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Is now still a good time for both of you? Yep. And is Hailey there with you as well? Yep. Okay. Perfect. Now just before I do go any further, I just need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay? Yep. Perfect. And just for security purposes, I will just need both of you to confirm security. Now, Hailey, for yourself, I do have a password on file. Do you know who that might be? Yep. Perfect. And, Andrew, for you, I don't have a password. So if you could confirm your full name, date of birth, and address, please. Yes, please. Perfect. Would you like to put a password in, or you're happy to just do the three point security when we call you? Yeah. Makes it nice and easy. Perfect. Now before I do jump into the under review as well, I do like to start by asking if there is anything specific that either of you would like to discuss further today or have any specific questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months. Yeah. Perfect. And that's the same for you, Hailey? Yep. Alright. Perfect. Well, what I might do first is to just go through a bit of an updated fact find with you both just to see if there is anything major that has changed in your life or if you need to make any changes to your advice. So just bear with me as I go through this, and I'll try to do it as quickly as I can for for both of you. Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older. Is that correct? Yep. Perfect. And with you, Andrew, when it comes to your employment, has any of that changed in the last twelve months or still yeah? Okay. Are you still working as a marine mechanic? Just a new employer? Okay. And what's your new employer? Ocean tech marine. And when did you start there? Yeah. And are you liking it so far? Perfect. Still full time, though? Yep. Perfect. Income, did that change? Yep. So what's it at now on a yearly basis? About a hundred? Yep. Okay. Perfect. And do you get paid bonuses or overtime or anything like that or just, like, your base pay? You get overtime. And that would then be in addition to the 100? Yep. Okay. Perfect. And do you know if your new employer also paid such standard 12% contribution for you, or do you have a special EBA with that? Okay. But there's no you don't have, like, an EBA or anything like that in place that gives you additional benefits? No. Okay. No. Okay. Perfect. And, typically, you would as well. If it is that they do give you more benefits, they do tend to tell you. So if they haven't said anything, it's the minimum is 12%. And you're not making any additional contributions yourself otherwise? Just that from your employer? No. Perfect. And for you, Hailey, has any of your occupation changed? Still same. Perfect. I do have income at about 60,000 for you. Okay. And for you, yeah, it would then be on top of that if you do earn overtime. And your employer also that's standard 12% contribution? Yep. Perfect. And you don't make any additional mhmm. Yep. And where does that go? Like, is that for yes. Okay. Perfect. Great. Alright. And asset wise, I have both I have different values, so I'll confirm which one is right. For you, Hailey, I have a car valued at 35,000 with 27 owing. Okay. Mhmm. Abide about the same about the '35? Yeah. Oh, and you're okay? Okay. Oh. Oh, well, that's annoying. We're glad you weren't in it, though. Oh, jeez. Very lucky. Did you have anything owing on that one? Or oh, go pay that. Okay. Okay. And how much is that loan for? Do you know? About the 30 5? Yep. Okay. Perfect. Well, that's frustrating. But they they say you weren't in it anyway, and, yeah, still annoying. Mhmm. Jesus. Yeah. Oh, really? Do you know what happened to him? Was he okay? Sounds like it's pretty serious if you do three cars. Yeah. Then did your daughter's car get sorted as well? Did you have to get that one sorted as well? Oh, that's nice. Yeah. Yeah. I can imagine. And for you, Andrew, I have that you have a motor vehicle ride at about 30,000. Yeah. How much do you think if you were to sell it today? About 20? Alright. And I do and it's fully paid off? So how much do you think if you had to, like, pay it off today? Oh, okay. Sorry. I'll just put thousand, like, 500 ish less. So, basically. Oh, okay. Okay. Perfect. Now do you guys have any other assets, any other motor vehicles or boats or motorbikes or savings or anything else? No. No. It's with work. Okay. Yep. And any other liabilities, like personal loans, credit cards, ZipPay? Yeah. How if you were to just combine, how much do you think in the total? Yeah. About 10 so about 6 for you, Hailey, and 4 for you, Andrew. Is that what I heard right? Yep. Yep. Perfect. Health and lifestyle wise, I have you both down here as a nonsmoker. Is that correct? Perfect. And have either of you had any significant health issues or any injuries or anything in the last twelve months? Anything that's changed with your health? Nope. Beautiful. Pretty good. That's good. Private health insurance. Do you guys have private health insurance? Okay. Perfect. And is that hospital and stuff as well? Okay. Okay. No. That's okay. Nope. That's alright. Is that something you're looking at? Yeah. No. It and then every every year, it goes up a lot too, doesn't it? Yeah. Yeah. Well, not to the same rate anyway as everything else, especially nowadays. Estate planning wise, do either of you have a will in place? No. When it comes to your super and insurances, I can also see here that we currently have outstanding for both of you, actually, your beneficiary forms. Have you guys received those in the post at all? Yeah. Unfortunately, not because it's a legal nomination. Sorry if it was that simple. No. One off. You can you can actually yeah. So there there are different types depending on what you want. So you can do a lapsing or a non lapsing. So non lapsing means you do it once. It stays in place until you decide to change it. Yeah. Is that the same for you, Andrew? Because if so, I can get them prefilled. Yeah. Alright. Do you have access to a printer, or would you prefer post? Okay. Because what I can Yeah. Because what I can do then is I'll send it to your email for both of you if you're happy with that, Hailey. I'll get them prefilled. And then, yeah, because you are making a legal nomination, they do have to be printed website. You can you can scan that and email it. That makes it makes it faster. Yeah. As long as you print it, and it does have to be witnessed as well by two people, and it can't be who you nominate. And just make sure they do it kind of at the same time with the same pen because the insurance and supercom can get be funny if it's, like, one is a black pen and one is a blue pen. So get a bit of pathetic with those. So our pre fill is nonlapsing. And did you say you guys wanted to nominate each other? Yep. Now the good thing with nominating spouses is that it is completely tax free. So if something were to happen to either of you, the other one will receive the benefits completely tax free. It was a bit a little bit different when it comes to children at different ages, but if it goes to both of you, then it will be tax free. Now the other nomination is if you wanted a binding or nonbinding. So, basically, binding means that the trustee, so Superfund and the insurance, are bound to follow your wishes. So that gives you the most amount of certainty. The nonbinding is basically saying this is what I want to have happened, but then it's ultimately up to their discretion if they feel like there's someone else that has a higher claim to it. Which one would you guys prefer? It's more sort of giving Andrew peace of mind if something would happen. Yeah. Yep. Yeah. Yeah. No. So it yeah. It it's more so because binding means that it will definitely go to him. So the only it's, like, if there are any previous partners, if there's families that kinda come and make a claim and say that they have a big mistake for it, like, those kind of situations. So by completing it as a binding, it means that it will go to Andrew and vice versa. And then he could do whatever he wants with it, but it just gives you the certainty of who he's going through. Let's do the binding? Alright. Perfect. Is that same for you, Andrew? Yeah. And that's and we don't want any and that's, like, the last thing you want. And, unfortunately, money does bring out the worst in people. Mhmm. Yeah. No. And you're better have the the the the peace of mind. So I'll complete that for you both, and I will get the team through email that to you, Hailey. Then, obviously, when you have a moment, just print it, scan it, and send it back, and we'll get that all sorted for you. Correct. Yes. So as long as long as you completed, like you sign it correctly, so don't do, like, last year's date because sometimes people are still in the habit of doing 2025, and then it comes back and insurance will not validated. And you as long as you don't witness each other. So as long as you completed correctly, in terms of the witness, you only have to do it once. So the good thing is that then it stays in place until either of you decide that you would like to change it. So then you don't have to worry about it again. Alright. We'll get that sorted. Otherwise, when it comes to goals, the stuff that you guys are working towards that you are wanting to achieve, I have here for both of you that last time when we spoke to you during annual view, your main focus is just to kinda save and buy a property. Is that still kind of the medium term focus for you? Mhmm. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I I definitely get that. Yep. Well yeah. And do you guys have, like, a budget or anything that you follow? Or is it is that like, do you guys need any assistance when it comes to cash flow and budget management, or is it mainly just expenses are so high? Yep. Yep. Yep. Yep. Yeah. Yep. Yep. And I get that. And if and if it's if it's not that you have, like, 20 five different subscription oh, really? Mhmm. I I you think they would give you a bit more of a heads up, though, because it's like most people don't have, like especially nowadays, like, so many people are struggling. They're struggling to cover bills and expenses and putting food, especially with fuel prices. Oh, really? Do you think they would have, like, a school bus or something? Because I am peep people work. What are you meant to do? Yeah. Yeah. Yeah. No. That's hard. At least you got each other to rely on, though, which is which is good. And that is absolutely ridiculous that it's such a long wait time. Yeah. And I have so many friends who are in the same situation. It's like, well, what is the point of me going to work if I'm earning less than I'm paying for in childcare? Oh, I'll just how was that good? Yeah. Yeah. Challenging. Yeah. Yeah. And that is hard. Yeah. Especially night shift as well. You would get paid a little bit of extra a little bit of extra. Do you think it would be helpful to for me to send you guys, like, a cash flow on budget at all, or do you feel like you have a pretty good Yeah. Yeah. Sometimes it's helpful. Mhmm. Yep. Yep. Yes. Oh, that's good. Yep. Yeah. Kind of working towards that. Oh, that's good. And then, hopefully, once that's kind of come down, especially with the car as well for Andy when that's kind of in June, that will give you a little bit mhmm. Yep. Okay. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yeah. And that will free up a little bit of that cash flow as well, which would would assist. Oh, it's always that way. Oh, yeah. Because you have removalists, and then you have bond cleaners and potential carpet cleaning and everything. Yeah. Because you normally have to pay less four weeks. Mhmm. Yeah. It adds up. It adds up. Well, hopefully, once you get the the car and everything, that frees up a little bit for you and things will get a little bit easier. But I also yeah. Especially fuel prices and everything, everyone is struggling a lot at the moment. I'll send you the cashback budget anyway. Yeah. That's good. Yeah. Oh, that's good. That's good. Yeah. Because, yeah, that's that's one one thing at the moment where a lot of people are really struggling with their fuel prices and everything. Even worse. Well yeah. Well, that's good. And, yeah, I'll send you the cash flow budget anyway. If it is something you guys at any one point in time want to have a look at, I always tell everyone it is good just to even if you don't do not want to make any changes or anything, it is usually good just to see where things are at. And sometimes it is, like, surprising. It's like, oh, well, maybe we can cut a little bit hair or change a little bit hair or you know? It it is usually just, like, a good kind of setting point to see. So and then also you can see, okay. Well, once we have the car fixed, we don't have that anymore. That frees up this, and you can kind of you know, it is a bit of a process, but I'll send you the spreadsheet anyway. You'll have it in your inbox. If you have any questions or need assistance completing it at any way, just let me know. But, otherwise, it it is a helpful tool, but it does take a little bit to just kind of go through. So, obviously, take your time and just let me know if you do have any questions. Perfect. Is there anything else that's changed for either of you otherwise? No. Perfect. It would be nice if I do it, Paige. Oh, is that tonight? Well, hopefully, I get a call from you guys in the next couple of days and say, guess what? Yeah. We have all this money and what are we gonna do? Well, I have my fingers crossed. But, Connor, I'm talking about superannuation. So what I will do next is just to run through a bit of an updated risk profile questionnaire with you both just to see if your risk tolerance or anything has changed. Just multiple choice to make it nice and easy. There's no right or wrong answer. You can say different answers as well. But think about them in regards to your super. So at the moment, under current legislation, you can't access super until 60. If you stop working, so obviously a bit more of that long term plan. So have either of you bought direct shares yourself? Nope. Yeah. No. That's all good. And are you both I have you down here. Are both of you would like to work a bit longer until age 67? Is that still the plan? Or if you could, would you want to mhmm. Mhmm. Yeah. Yep. Yep. Mhmm. Okay. And at 67, if you are eligible, then that's where you can also get a bit of age pension as well to assist. Yeah. And I have here that an ideal income per week, so what both of you would like to draw from super when you do decide to retire is about $1,500 each. Do you think that would be sustainable? Obviously, you don't know what cost and stuff are going to be like a week yet, or do you feel like you would need 3,000 combined? Okay. Okay. Yep. Yeah. Mhmm. Yep. Yep. Yeah. Yeah. Mhmm. No. So about a thousand each, would you say? Like, 2 thousand combined, roughly? Alright. Let's see. Yes. Yep. Perfect. And when it comes through how much risk you guys are comfortable taking for your superannuation, Would you say that you are comfortable taking very high risk, high moderate, or a small amount of risk for your superannuation? Mhmm. Mhmm. Okay. Mhmm. Okay. Okay. A medium? Medium? Okay. Perfect. Now when it comes to fluctuations, so how would you feel if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market, so not like one investment that's gone bad, just kind of general market trends, would you say that you would try to take advantage if you had the option to do so by thinking that, well, now prices are down is a good time to put more in, or would you just kind of be a bit neutral, hold, and wait to see what happens? Or would you be a bit more nervous and think, okay. Well, I should sell them and shift to a more secure asset, but that means you are then selling or the prices have already dropped? Let it sit. Yeah. Take it from there. Then make a change. Yes. Yeah. Yeah. Yeah. Yeah. Alright. Perfect. So, obviously, depending on the situation, they'd be somewhere in the middle. Yep. Perfect. Now the next one is, again, in regards to fluctuation. So if you ever saw fluctuations in any investments, would you say that you would feel optimistic about potential future opportunity? A bit more kind of cautious, not making further investments, or would you say that you would be quite concerned and anxious? Mhmm. So somewhere kind of a bit more neutral, like, maybe not put more in, but just not be super concerned either as long as it doesn't continue for a long period of time? Yes. Yes. Yes. Yep. No. Perfect. And last one here is in regards to borrowing money. So would you guys ever want to take out a loan to invest in stocks or funds? Mhmm. Yep. Yep. Okay. Yep. Okay. So if, hypothetically speaking, you had the option to do so and there was a good investment, you would be open to maybe borrowing money to invest if the option was good. Is that what I'm gauging? Yeah. Doesn't say you guys have to. It's just in terms of gauging how how you feel. Yeah. Yep. Okay. Perfect. And some of this is tricky as well because everyone's like, oh, it depends on the situation, and that is 100% true. It is mainly for me to gauge how you guys would behave and act in a certain situation to match that within time frames and other things to see if it is an appropriate level of risk we have for you. Sorry. Some of them can be a bit tricky, but, essentially yeah. Mhmm. Yep. Yes. Yeah. Yeah. Yep. Mhmm. Okay. Yep. Yep. Very nice. Yes. Mhmm. Yep. Things are always changing. Mhmm. Yes. And that's why the under reviews are so good as well. So it is a bit of a checking point to see because things are always changing, and the advice and stuff are never set in stone. It is things that's always ever evolving and changing. I mean, the market's always changing. Investment's always changing. Your life situation is changing. How much insurance you need is always changing. So it is one of those things that it is good to assess just to make sure it's appropriate for where you guys are at at the time. Yep. So and, also, as well, it's like, well, a lot of the time, people are like, well, at the moment, I can't access it until I turn 60. So, you know, that's over, you know, seventeen years away. So I'm comfortable taking a bit of fluctuation because I can't do anything with it anyway. And then the closer you get to retirement, it's like, okay. Well, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money. So it's like, usually, the closer you get to retirement, you then want to start at gradually reducing risk, typically. So both of you at the moment have come out in a growth portfolio in terms of your risk allocation, which is the portfolio we currently have you allocated through when it comes to risk. So do you guys remember what it means to be a growth investor? No? I'm sorry. That's okay. Yeah. So we in a great typical growth, we we would see investors who are looking at, you know, you you wanna get as much growth of your superannuation while you still have plenty of time. But also where you are comfortable seeing a bit of fluctuations in the short term in order to achieve that. Now when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment? Because I sent you both an email, and it does make it a bit easier talking about this if you can access it. They are quite similar if you wanna just look on, like, one phone or something if it's easier. It is slightly different some forms, but I can just talk that through, and then you can have a look at it after. Just let me know which account you're logging through just so I can mirror the forms. Send it to yours? Yep. So I have to send it through. So it should have come through about to about a 05:30. It could go to spam as well. And we recently have changed the software, so it could very well have gone to spam if you didn't recognize it. Okay. Let me have a look. Did you receive it, Andrew? Let me triple check for you. Haley_Patricia@Hotmail.com. Yes. Let me see here. It says it's missing on my end, but maybe I'll just try to resend it. Yes. Yep. That's the one. Alright. So can we use yours for now, Andrew? And I will try to resend it to you, Hailey, and then just let me know if it came through. I'll just try to resend that. Sometimes let me see how I'll just resend it. Sometimes at this time of the night too, it can be a little bit slower for some reason. But we can go through Andrews, and then let me know if you do receive the pay lead. Amazing. Reset worked, not the first one. But if we if we do, let's say, yours, Andrew, because it is pretty similar, if you can see one document that says the see, like I said, we have changed the software. So now you don't you don't have to click on the link straight away to sign. So before you click on the link, it will say, at the bottom of the email, can you see a couple of attachments? Yep. Yes. So if you can open the one that says 2025 Vanguard index chart for me. Yep. Sorry. It can look a bit messy if you're looking on your your phone, but, essentially, it is a good visual representation of what we are talking about when we're talking about the market. And Vanguard does publish these every year, which is good. And it kind of shows you, like, a bigger picture, and it goes back from 1995 through to 2025. And you can see all the kind of ups and downs of the market depending on the big events that's happened in the world. But, essentially, it shows us that the market always goes up in the long term. The short term, there will be ups and downs in different market fluctuations. Now this one here also breaks down the different asset classes. So when we go back to talking about your growth portfolio, we typically see 80% invested in what we call your growth assets. Now these are typically your top four. So you have your US shares, Australian shares, international shares, and property, about 80%. So you can see that these are the ones that grow the most, but they also fluctuate the most. And then you do have about 20% in the bottom three. So your defensive investments to try and limit fluctuations a little bit there for you, but still obviously trying to focus on growing your super. Now when we are talking about a time frame as well, so making sure you have enough time in the market for those fluctuations. In a growth portfolio, we typically want to see at least six years until retirement. So making sure you have enough time for things to come back around. So from a time frame point of view, if you definitely have that behind you, both of you, if you are happy with the level of, like, fluctuation and risk of a growth investor. Yep. You're both happy with that? Yep. Great. Perfect. Now while we are in your email, you will both have a super and insurance summary. But if you can see yours in front of you, Andrew, if you could open that one. Yep. Yep. Yep. You can see that okay? Yep. Perfect. So this shows your situation, Andrew. So you can see you have your super in Hub 24, and you do have $207,278 in there. Now for you, Hailey, when you do have a look at your email oh, perfect. So you will see about a 112,379. Now for insurances. So, Andrew, you have insurances with Clearview. For life and TPD, you have 626,000 of 273. Are you still happy with that level of cover for life and TPD if something were to happen to you? Yep. Perfect. And when it comes to income protection, you do have here that it will be paid out a monthly amount of $5,555 per month, and you do have a thirty day waiting period and a five year benefit period. Now all of that is paid from within superannuation, so you don't pay for anything out of pocket. You do get a 15% tax rebate on the way this is structured. So after that, it is 2,158. Are you still happy with the income protection and everything like that for you as well? Yep. Perfect. And for you, Hailey, you have life and TPD. With hub twenty four, that is 2 27239. Are you also happy with that level of cover for life and TPD? Yep. It it obviously, it depends on what your goals are, but often what people are needing is clearing out any debts. If something were to happen, which you certainly would cover, and then it's just leaving a bit of extra support to the family if something were to happen or if you can't work to then provide you with a bit of that lump sum. If something were to happen, the super will also be paid on top of that. Yep. You also have an income protection policy, and that will pay a monthly amount of $3,351 per month. You have a ninety day waiting period and two year benefit period, and your one is 908 per year. Yep. Any questions so far? That's pretty straightforward. No. Pretty straightforward. Perfect. And now the next one is can you see one where it says twelve month, have a 24 performance report? Yep. Can you say two, Hailey? Yes. It says IRR next to it as well? Yep. Perfect. So if I start with you, Andrew. So it is quite similar because you do have similar investments. It is just tailored on your balance and fees and stuff like that. But, basically, for both of you, it does break down the individual investments. So this is over the last twelve months. So the last twelve months, like I touched on earlier, we have seen quite a bit of fluctuations in the market. It's been a bit turbulent with, obviously, everything in The US with Trump and tariffs and everything and, obviously, more recently with the war. So we have seen a bit of fluctuations. Despite all of that, though, both of your portfolio has still held up pretty good. So for you, Andrew, in the last twelve months, after fees, the portfolio has still gone up by 7.47% after fees. For you, Hailey, same time period, same same other other things. Again, after fees, 7.36. Now with your investments, there is one investment I do wanna touch on a little bit through potential look at changing. So when you do have a look at for both of you, you can basically see that if you look at the column, the second column to the right versus internal rate of return, this is how the individual investment has performed. So the one that has a bracket next to it is down. The others are all positive. Does that make sense? Yep. So the one I want to look at a bit more is that that one that is down, which is your Benelon Australian equity. Now sometimes when investments are down, it is just a cyclical trend depending on the market trends that's going up in the market. And we like to you know, if we still think it's a really good investment, we like to keep it and see, because we believe it's gonna come back around. We've been along. We have done a lot of research on it, and we feel like there might be better options out there, that we could look at instead. Because we've been along the way that they kind of work is that they are a managed fund, so they are actively trying to buy and sell different investments in order to try to outperform the market. And if they are kind of under they have been a little bit slower recently with making their decisions. Before, they were really, really good. They were one of the best performing fund managers, but more recently, they've been a little bit slower with making their decisions. And if that's the case as well and we don't foresee it being the best option for for you, we then wanna look at, okay, what can we swap it for instead, making sure we put you both in the best position moving forward. So are you happy, both of you, for me to do a bit of proposal to see what we could swap that one out for you? Yeah? So we yeah. So with investments, if it is under if it's under 15,000 and it is not a massive change, we can just send you a document to say this is what we've changed. If it's over 15,000, we have to, from a compliance point, put it in that, like, a statement of advice for you and do a bit more in-depth research. Now for you, Hailey, it is under 15, but for Andrew, you are over. So because of that, I might as well do a bit more in-depth for both of you and include it in one strategy if you are happy with that, and we can do it all together. Yep. Alright. Perfect. Now, otherwise, in the email, you should see so for you, Andrew, you will have your Clearview certificate of currency. This shows you the insurances in a bit more, detail there for you. And both of you as well should have a financial services guide version four and then o two services guide version one. Yeah? You following me so far? Yeah. Clear fee. Yep. So for example let me just see here. If you wanna open the OQ services guide, the other one is just kind of like a smaller version. So I'll let you guys have a read over that in your own time. But if you wanna open the OQ services guide, now this is the same one for both of you, It is one of those compliance forms. You probably have seen these a few times, but, basically, it gives you all the important information in regards to us here. None of the information has none of the important information has changed, but we recently had a bit of an update through marketing, which is great. We've got a bit more updated photos, which is nice, and we've had a bit of an extension to the team as well. So as you guys have a have a scroll through, you guys can read this in your own time as well. But if you do wanna put a face through my voice as well to know who you're actually speaking with, if you want to scroll down through page 10, I believe, you should see myself there next to Dana. You can kind of scroll through. You can see a cup you can see the team, like, the director. You're like, there is no page 10. Yeah. So sometimes it is nice to see who you are talking with, and you can kind of have a scroll through your own time as well with, you know, all the advices and everything in here for you as well. That was basically all of the documents there. Now there is one attachment for both of you to sign. Now you have already signed your ongoing service agreement before, so you don't have to do that. That one was basically to say that you're happy to stay on as a client. There was no changes whatsoever in regards to that fee structure. It stayed exactly the same at 1.1. But you guys have already signed that. So the only thing outstanding for both of you is a tax file number opt in form. So if you guys click out of your inbox and then click on the link where it says request signature sign now, can you guys then see both of you a form where it says option to provide tax file number? Sorry. If you click on the link yeah. Yep. Sorry. This is the only one that requires a signature, and that is basically another compliance form just to say we are keeping your tax number secure and safe on file. So if you guys are happy to add a little scribble on that one and then press see that finish or start or validate, and then it should say, like, a little wheel that loads, and then it should just send it back to me. There should just be one, so you could do either because it should take you just to where you need to sign. You can't you can't just sign all because it should just be that one form. Usually. Yes. Yeah. Alright. Perfect. I can see, Hailey, yours have come through. Andrea's yours must be no. That's okay. While I do wait for Andrea to oh, beautiful. That has come through as well, which is great. So, basically, from here is that I will pre fill those beneficiary forms for you, send it through to you, Hailey, get that all sorted. I'll attach the cash flow and budget spreadsheet as well. Otherwise, I will go and do the research on your investments to see if we wanna swap out that Benelung for you and what that would look like. So while I have you on the phone, I can book in a time to go through that. And are you happy to do that together again on the phone? Yep. Perfect. Now when is the best time for you to do that? Okay. Sorry about this. Yeah. Okay. Let me have a look. So I don't work Friday, the first. Yeah. No. That's okay. Alright. Let me have a look at availability. Sorry. I could do Thursday, June 4. I could do same time, 05:30. Otherwise, that'll be Thursday, sorry, in two weeks. Thursday, June 4 at 05:30. Otherwise because Thursdays is my when I work after hours. Otherwise, if we want to look at a Monday, I could do Monday the first at 4PM or No. It's a bit too early. Okay. So fourth of June at 05:30. The same as now. Okay. Perfect. Well, I will get that all booked in on Thursday, June 4 at 05:30. I'll give you a call again and send you guys the proposal, and we can kind of go through it. It should be a little bit quicker than today's conversation. But before I let you guys go, otherwise, do you have any other questions for me before I let you go and enjoy the rest of your afternoon or evening, I should say? That's all good. Yeah. Beautiful. If you can't think of anything and you there is anything else, so just let me know. But, otherwise, I look forward to speaking with you both on Thursday, June 4. Mhmm. No problem at all. We'll speak soon. Alright. Bye. 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afternoon. This is Andrew. This is Veronica from Oakview Financial. How are you? Not good.\n\nI had you and Hailey booked in for your annual review. Is now still a good time for both of you? Yep. And is Hailey there with you as well? Yep.\n\nOkay. Perfect. Now just before I do go any further, I just need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay? Yep. Perfect.\n\nAnd just for security purposes, I will just need both of you to confirm security. Now, Hailey, for yourself, I do have a password on file. Do you know who that might be? Yep. Perfect.\n\nAnd, Andrew, for you, I don't have a password. So if you could confirm your full name, date of birth, and address, please. Yes, please. Perfect. Would you like to put a password in, or you're happy to just do the three point security when we call you?\n\nYeah. Makes it nice and easy. Perfect. Now before I do jump into the under review as well, I do like to start by asking if there is anything specific that either of you would like to discuss further today or have any specific questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months. Yeah.\n\nPerfect. And that's the same for you, Hailey? Yep. Alright. Perfect.\n\nWell, what I might do first is to just go through a bit of an updated fact find with you both just to see if there is anything major that has changed in your life or if you need to make any changes to your advice. So just bear with me as I go through this, and I'll try to do it as quickly as I can for for both of you. Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older. Is that correct? Yep.\n\nPerfect. And with you, Andrew, when it comes to your employment, has any of that changed in the last twelve months or still yeah? Okay. Are you still working as a marine mechanic? Just a new employer?\n\nOkay. And what's your new employer? Ocean tech marine. And when did you start there? Yeah.\n\nAnd are you liking it so far? Perfect. Still full time, though? Yep. Perfect.\n\nIncome, did that change? Yep. So what's it at now on a yearly basis? About a hundred? Yep.\n\nOkay. Perfect. And do you get paid bonuses or overtime or anything like that or just, like, your base pay? You get overtime. And that would then be in addition to the 100?\n\nYep. Okay. Perfect. And do you know if your new employer also paid such standard 12% contribution for you, or do you have a special EBA with that? Okay.\n\nBut there's no you don't have, like, an EBA or anything like that in place that gives you additional benefits? No. Okay. No. Okay.\n\nPerfect. And, typically, you would as well. If it is that they do give you more benefits, they do tend to tell you. So if they haven't said anything, it's the minimum is 12%. And you're not making any additional contributions yourself otherwise?\n\nJust that from your employer? No. Perfect. And for you, Hailey, has any of your occupation changed? Still same.\n\nPerfect. I do have income at about 60,000 for you. Okay. And for you, yeah, it would then be on top of that if you do earn overtime. And your employer also that's standard 12% contribution?\n\nYep. Perfect. And you don't make any additional mhmm. Yep. And where does that go?\n\nLike, is that for yes. Okay. Perfect. Great. Alright.\n\nAnd asset wise, I have both I have different values, so I'll confirm which one is right. For you, Hailey, I have a car valued at 35,000 with 27 owing. Okay. Mhmm. Abide about the same about the '35?\n\nYeah. Oh, and you're okay? Okay. Oh. Oh, well, that's annoying.\n\nWe're glad you weren't in it, though. Oh, jeez. Very lucky. Did you have anything owing on that one? Or oh, go pay that.\n\nOkay. Okay. And how much is that loan for? Do you know? About the 30 5?\n\nYep. Okay. Perfect. Well, that's frustrating. But they they say you weren't in it anyway, and, yeah, still annoying.\n\nMhmm. Jesus. Yeah. Oh, really? Do you know what happened to him?\n\nWas he okay? Sounds like it's pretty serious if you do three cars. Yeah. Then did your daughter's car get sorted as well? Did you have to get that one sorted as well?\n\nOh, that's nice. Yeah. Yeah. I can imagine. And for you, Andrew, I have that you have a motor vehicle ride at about 30,000.\n\nYeah. How much do you think if you were to sell it today? About 20? Alright. And I do and it's fully paid off?\n\nSo how much do you think if you had to, like, pay it off today? Oh, okay. Sorry. I'll just put thousand, like, 500 ish less. So, basically.\n\nOh, okay. Okay. Perfect. Now do you guys have any other assets, any other motor vehicles or boats or motorbikes or savings or anything else? No.\n\nNo. It's with work. Okay. Yep. And any other liabilities, like personal loans, credit cards, ZipPay?\n\nYeah. How if you were to just combine, how much do you think in the total? Yeah. About 10 so about 6 for you, Hailey, and 4 for you, Andrew. Is that what I heard right?\n\nYep. Yep. Perfect. Health and lifestyle wise, I have you both down here as a nonsmoker. Is that correct?\n\nPerfect. And have either of you had any significant health issues or any injuries or anything in the last twelve months? Anything that's changed with your health? Nope. Beautiful.\n\nPretty good. That's good. Private health insurance. Do you guys have private health insurance? Okay.\n\nPerfect. And is that hospital and stuff as well? Okay. Okay. No.\n\nThat's okay. Nope. That's alright. Is that something you're looking at? Yeah.\n\nNo. It and then every every year, it goes up a lot too, doesn't it? Yeah. Yeah. Well, not to the same rate anyway as everything else, especially nowadays.\n\nEstate planning wise, do either of you have a will in place? No. When it comes to your super and insurances, I can also see here that we currently have outstanding for both of you, actually, your beneficiary forms. Have you guys received those in the post at all? Yeah.\n\nUnfortunately, not because it's a legal nomination. Sorry if it was that simple. No. One off. You can you can actually yeah.\n\nSo there there are different types depending on what you want. So you can do a lapsing or a non lapsing. So non lapsing means you do it once. It stays in place until you decide to change it. Yeah.\n\nIs that the same for you, Andrew? Because if so, I can get them prefilled. Yeah. Alright. Do you have access to a printer, or would you prefer post?\n\nOkay. Because what I can Yeah. Because what I can do then is I'll send it to your email for both of you if you're happy with that, Hailey. I'll get them prefilled. And then, yeah, because you are making a legal nomination, they do have to be printed website.\n\nYou can you can scan that and email it. That makes it makes it faster. Yeah. As long as you print it, and it does have to be witnessed as well by two people, and it can't be who you nominate. And just make sure they do it kind of at the same time with the same pen because the insurance and supercom can get be funny if it's, like, one is a black pen and one is a blue pen.\n\nSo get a bit of pathetic with those. So our pre fill is nonlapsing. And did you say you guys wanted to nominate each other? Yep. Now the good thing with nominating spouses is that it is completely tax free.\n\nSo if something were to happen to either of you, the other one will receive the benefits completely tax free. It was a bit a little bit different when it comes to children at different ages, but if it goes to both of you, then it will be tax free. Now the other nomination is if you wanted a binding or nonbinding. So, basically, binding means that the trustee, so Superfund and the insurance, are bound to follow your wishes. So that gives you the most amount of certainty.\n\nThe nonbinding is basically saying this is what I want to have happened, but then it's ultimately up to their discretion if they feel like there's someone else that has a higher claim to it. Which one would you guys prefer? It's more sort of giving Andrew peace of mind if something would happen. Yeah. Yep.\n\nYeah. Yeah. No. So it yeah. It it's more so because binding means that it will definitely go to him.\n\nSo the only it's, like, if there are any previous partners, if there's families that kinda come and make a claim and say that they have a big mistake for it, like, those kind of situations. So by completing it as a binding, it means that it will go to Andrew and vice versa. And then he could do whatever he wants with it, but it just gives you the certainty of who he's going through. Let's do the binding? Alright.\n\nPerfect. Is that same for you, Andrew? Yeah. And that's and we don't want any and that's, like, the last thing you want. And, unfortunately, money does bring out the worst in people.\n\nMhmm. Yeah. No. And you're better have the the the the peace of mind. So I'll complete that for you both, and I will get the team through email that to you, Hailey.\n\nThen, obviously, when you have a moment, just print it, scan it, and send it back, and we'll get that all sorted for you. Correct. Yes. So as long as long as you completed, like you sign it correctly, so don't do, like, last year's date because sometimes people are still in the habit of doing 2025, and then it comes back and insurance will not validated. And you as long as you don't witness each other.\n\nSo as long as you completed correctly, in terms of the witness, you only have to do it once. So the good thing is that then it stays in place until either of you decide that you would like to change it. So then you don't have to worry about it again. Alright. We'll get that sorted.\n\nOtherwise, when it comes to goals, the stuff that you guys are working towards that you are wanting to achieve, I have here for both of you that last time when we spoke to you during annual view, your main focus is just to kinda save and buy a property. Is that still kind of the medium term focus for you? Mhmm. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI I definitely get that. Yep. Well yeah. And do you guys have, like, a budget or anything that you follow? Or is it is that like, do you guys need any assistance when it comes to cash flow and budget management, or is it mainly just expenses are so high?\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. And I get that. And if and if it's if it's not that you have, like, 20 five different subscription oh, really? Mhmm.\n\nI I you think they would give you a bit more of a heads up, though, because it's like most people don't have, like especially nowadays, like, so many people are struggling. They're struggling to cover bills and expenses and putting food, especially with fuel prices. Oh, really? Do you think they would have, like, a school bus or something? Because I am peep people work.\n\nWhat are you meant to do? Yeah. Yeah. Yeah. No.\n\nThat's hard. At least you got each other to rely on, though, which is which is good. And that is absolutely ridiculous that it's such a long wait time. Yeah. And I have so many friends who are in the same situation.\n\nIt's like, well, what is the point of me going to work if I'm earning less than I'm paying for in childcare? Oh, I'll just how was that good? Yeah. Yeah. Challenging.\n\nYeah. Yeah. And that is hard. Yeah. Especially night shift as well.\n\nYou would get paid a little bit of extra a little bit of extra. Do you think it would be helpful to for me to send you guys, like, a cash flow on budget at all, or do you feel like you have a pretty good Yeah. Yeah. Sometimes it's helpful. Mhmm.\n\nYep. Yep. Yes. Oh, that's good. Yep.\n\nYeah. Kind of working towards that. Oh, that's good. And then, hopefully, once that's kind of come down, especially with the car as well for Andy when that's kind of in June, that will give you a little bit mhmm. Yep.\n\nOkay. Yep. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yeah. And that will free up a little bit of that cash flow as well, which would would assist. Oh, it's always that way.\n\nOh, yeah. Because you have removalists, and then you have bond cleaners and potential carpet cleaning and everything. Yeah. Because you normally have to pay less four weeks. Mhmm.\n\nYeah. It adds up. It adds up. Well, hopefully, once you get the the car and everything, that frees up a little bit for you and things will get a little bit easier. But I also yeah.\n\nEspecially fuel prices and everything, everyone is struggling a lot at the moment. I'll send you the cashback budget anyway. Yeah. That's good. Yeah.\n\nOh, that's good. That's good. Yeah. Because, yeah, that's that's one one thing at the moment where a lot of people are really struggling with their fuel prices and everything. Even worse.\n\nWell yeah. Well, that's good. And, yeah, I'll send you the cash flow budget anyway. If it is something you guys at any one point in time want to have a look at, I always tell everyone it is good just to even if you don't do not want to make any changes or anything, it is usually good just to see where things are at. And sometimes it is, like, surprising.\n\nIt's like, oh, well, maybe we can cut a little bit hair or change a little bit hair or you know? It it is usually just, like, a good kind of setting point to see. So and then also you can see, okay. Well, once we have the car fixed, we don't have that anymore. That frees up this, and you can kind of you know, it is a bit of a process, but I'll send you the spreadsheet anyway.\n\nYou'll have it in your inbox. If you have any questions or need assistance completing it at any way, just let me know. But, otherwise, it it is a helpful tool, but it does take a little bit to just kind of go through. So, obviously, take your time and just let me know if you do have any questions. Perfect.\n\nIs there anything else that's changed for either of you otherwise? No. Perfect. It would be nice if I do it, Paige. Oh, is that tonight?\n\nWell, hopefully, I get a call from you guys in the next couple of days and say, guess what? Yeah. We have all this money and what are we gonna do? Well, I have my fingers crossed. But, Connor, I'm talking about superannuation.\n\nSo what I will do next is just to run through a bit of an updated risk profile questionnaire with you both just to see if your risk tolerance or anything has changed. Just multiple choice to make it nice and easy. There's no right or wrong answer. You can say different answers as well. But think about them in regards to your super.\n\nSo at the moment, under current legislation, you can't access super until 60. If you stop working, so obviously a bit more of that long term plan. So have either of you bought direct shares yourself? Nope. Yeah.\n\nNo. That's all good. And are you both I have you down here. Are both of you would like to work a bit longer until age 67? Is that still the plan?\n\nOr if you could, would you want to mhmm. Mhmm. Yeah. Yep. Yep.\n\nMhmm. Okay. And at 67, if you are eligible, then that's where you can also get a bit of age pension as well to assist. Yeah. And I have here that an ideal income per week, so what both of you would like to draw from super when you do decide to retire is about $1,500 each.\n\nDo you think that would be sustainable? Obviously, you don't know what cost and stuff are going to be like a week yet, or do you feel like you would need 3,000 combined? Okay. Okay. Yep.\n\nYeah. Mhmm. Yep. Yep. Yeah.\n\nYeah. Mhmm. No. So about a thousand each, would you say? Like, 2 thousand combined, roughly?\n\nAlright. Let's see. Yes. Yep. Perfect.\n\nAnd when it comes through how much risk you guys are comfortable taking for your superannuation, Would you say that you are comfortable taking very high risk, high moderate, or a small amount of risk for your superannuation? Mhmm. Mhmm. Okay. Mhmm.\n\nOkay. Okay. A medium? Medium? Okay.\n\nPerfect. Now when it comes to fluctuations, so how would you feel if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market, so not like one investment that's gone bad, just kind of general market trends, would you say that you would try to take advantage if you had the option to do so by thinking that, well, now prices are down is a good time to put more in, or would you just kind of be a bit neutral, hold, and wait to see what happens? Or would you be a bit more nervous and think, okay. Well, I should sell them and shift to a more secure asset, but that means you are then selling or the prices have already dropped? Let it sit.\n\nYeah. Take it from there. Then make a change. Yes. Yeah.\n\nYeah. Yeah. Yeah. Alright. Perfect.\n\nSo, obviously, depending on the situation, they'd be somewhere in the middle. Yep. Perfect. Now the next one is, again, in regards to fluctuation. So if you ever saw fluctuations in any investments, would you say that you would feel optimistic about potential future opportunity?\n\nA bit more kind of cautious, not making further investments, or would you say that you would be quite concerned and anxious? Mhmm. So somewhere kind of a bit more neutral, like, maybe not put more in, but just not be super concerned either as long as it doesn't continue for a long period of time? Yes. Yes.\n\nYes. Yep. No. Perfect. And last one here is in regards to borrowing money.\n\nSo would you guys ever want to take out a loan to invest in stocks or funds? Mhmm. Yep. Yep. Okay.\n\nYep. Okay. So if, hypothetically speaking, you had the option to do so and there was a good investment, you would be open to maybe borrowing money to invest if the option was good. Is that what I'm gauging? Yeah.\n\nDoesn't say you guys have to. It's just in terms of gauging how how you feel. Yeah. Yep. Okay.\n\nPerfect. And some of this is tricky as well because everyone's like, oh, it depends on the situation, and that is 100% true. It is mainly for me to gauge how you guys would behave and act in a certain situation to match that within time frames and other things to see if it is an appropriate level of risk we have for you. Sorry. Some of them can be a bit tricky, but, essentially yeah.\n\nMhmm. Yep. Yes. Yeah. Yeah.\n\nYep. Mhmm. Okay. Yep. Yep.\n\nVery nice. Yes. Mhmm. Yep. Things are always changing.\n\nMhmm. Yes. And that's why the under reviews are so good as well. So it is a bit of a checking point to see because things are always changing, and the advice and stuff are never set in stone. It is things that's always ever evolving and changing.\n\nI mean, the market's always changing. Investment's always changing. Your life situation is changing. How much insurance you need is always changing. So it is one of those things that it is good to assess just to make sure it's appropriate for where you guys are at at the time.\n\nYep. So and, also, as well, it's like, well, a lot of the time, people are like, well, at the moment, I can't access it until I turn 60. So, you know, that's over, you know, seventeen years away. So I'm comfortable taking a bit of fluctuation because I can't do anything with it anyway. And then the closer you get to retirement, it's like, okay.\n\nWell, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money. So it's like, usually, the closer you get to retirement, you then want to start at gradually reducing risk, typically. So both of you at the moment have come out in a growth portfolio in terms of your risk allocation, which is the portfolio we currently have you allocated through when it comes to risk. So do you guys remember what it means to be a growth investor? No?\n\nI'm sorry. That's okay. Yeah. So we in a great typical growth, we we would see investors who are looking at, you know, you you wanna get as much growth of your superannuation while you still have plenty of time. But also where you are comfortable seeing a bit of fluctuations in the short term in order to achieve that.\n\nNow when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment? Because I sent you both an email, and it does make it a bit easier talking about this if you can access it. They are quite similar if you wanna just look on, like, one phone or something if it's easier. It is slightly different some forms, but I can just talk that through, and then you can have a look at it after. Just let me know which account you're logging through just so I can mirror the forms.\n\nSend it to yours? Yep. So I have to send it through. So it should have come through about to about a 05:30. It could go to spam as well.\n\nAnd we recently have changed the software, so it could very well have gone to spam if you didn't recognize it. Okay. Let me have a look. Did you receive it, Andrew? Let me triple check for you.\n\nHaley_Patricia@Hotmail.com. Yes. Let me see here. It says it's missing on my end, but maybe I'll just try to resend it. Yes.\n\nYep. That's the one. Alright. So can we use yours for now, Andrew? And I will try to resend it to you, Hailey, and then just let me know if it came through.\n\nI'll just try to resend that. Sometimes let me see how I'll just resend it. Sometimes at this time of the night too, it can be a little bit slower for some reason. But we can go through Andrews, and then let me know if you do receive the pay lead. Amazing.\n\nReset worked, not the first one. But if we if we do, let's say, yours, Andrew, because it is pretty similar, if you can see one document that says the see, like I said, we have changed the software. So now you don't you don't have to click on the link straight away to sign. So before you click on the link, it will say, at the bottom of the email, can you see a couple of attachments? Yep.\n\nYes. So if you can open the one that says 2025 Vanguard index chart for me. Yep. Sorry. It can look a bit messy if you're looking on your your phone, but, essentially, it is a good visual representation of what we are talking about when we're talking about the market.\n\nAnd Vanguard does publish these every year, which is good. And it kind of shows you, like, a bigger picture, and it goes back from 1995 through to 2025. And you can see all the kind of ups and downs of the market depending on the big events that's happened in the world. But, essentially, it shows us that the market always goes up in the long term. The short term, there will be ups and downs in different market fluctuations.\n\nNow this one here also breaks down the different asset classes. So when we go back to talking about your growth portfolio, we typically see 80% invested in what we call your growth assets. Now these are typically your top four. So you have your US shares, Australian shares, international shares, and property, about 80%. So you can see that these are the ones that grow the most, but they also fluctuate the most.\n\nAnd then you do have about 20% in the bottom three. So your defensive investments to try and limit fluctuations a little bit there for you, but still obviously trying to focus on growing your super. Now when we are talking about a time frame as well, so making sure you have enough time in the market for those fluctuations. In a growth portfolio, we typically want to see at least six years until retirement. So making sure you have enough time for things to come back around.\n\nSo from a time frame point of view, if you definitely have that behind you, both of you, if you are happy with the level of, like, fluctuation and risk of a growth investor. Yep. You're both happy with that? Yep. Great.\n\nPerfect. Now while we are in your email, you will both have a super and insurance summary. But if you can see yours in front of you, Andrew, if you could open that one. Yep. Yep.\n\nYep. You can see that okay? Yep. Perfect. So this shows your situation, Andrew.\n\nSo you can see you have your super in Hub 24, and you do have $207,278 in there. Now for you, Hailey, when you do have a look at your email oh, perfect. So you will see about a 112,379. Now for insurances. So, Andrew, you have insurances with Clearview.\n\nFor life and TPD, you have 626,000 of 273. Are you still happy with that level of cover for life and TPD if something were to happen to you? Yep. Perfect. And when it comes to income protection, you do have here that it will be paid out a monthly amount of $5,555 per month, and you do have a thirty day waiting period and a five year benefit period.\n\nNow all of that is paid from within superannuation, so you don't pay for anything out of pocket. You do get a 15% tax rebate on the way this is structured. So after that, it is 2,158. Are you still happy with the income protection and everything like that for you as well? Yep.\n\nPerfect. And for you, Hailey, you have life and TPD. With hub twenty four, that is 2 27239. Are you also happy with that level of cover for life and TPD? Yep.\n\nIt it obviously, it depends on what your goals are, but often what people are needing is clearing out any debts. If something were to happen, which you certainly would cover, and then it's just leaving a bit of extra support to the family if something were to happen or if you can't work to then provide you with a bit of that lump sum. If something were to happen, the super will also be paid on top of that. Yep. You also have an income protection policy, and that will pay a monthly amount of $3,351 per month.\n\nYou have a ninety day waiting period and two year benefit period, and your one is 908 per year. Yep. Any questions so far? That's pretty straightforward. No.\n\nPretty straightforward. Perfect. And now the next one is can you see one where it says twelve month, have a 24 performance report? Yep. Can you say two, Hailey?\n\nYes. It says IRR next to it as well? Yep. Perfect. So if I start with you, Andrew.\n\nSo it is quite similar because you do have similar investments. It is just tailored on your balance and fees and stuff like that. But, basically, for both of you, it does break down the individual investments. So this is over the last twelve months. So the last twelve months, like I touched on earlier, we have seen quite a bit of fluctuations in the market.\n\nIt's been a bit turbulent with, obviously, everything in The US with Trump and tariffs and everything and, obviously, more recently with the war. So we have seen a bit of fluctuations. Despite all of that, though, both of your portfolio has still held up pretty good. So for you, Andrew, in the last twelve months, after fees, the portfolio has still gone up by 7.47% after fees. For you, Hailey, same time period, same same other other things.\n\nAgain, after fees, 7.36. Now with your investments, there is one investment I do wanna touch on a little bit through potential look at changing. So when you do have a look at for both of you, you can basically see that if you look at the column, the second column to the right versus internal rate of return, this is how the individual investment has performed. So the one that has a bracket next to it is down. The others are all positive.\n\nDoes that make sense? Yep. So the one I want to look at a bit more is that that one that is down, which is your Benelon Australian equity. Now sometimes when investments are down, it is just a cyclical trend depending on the market trends that's going up in the market. And we like to you know, if we still think it's a really good investment, we like to keep it and see, because we believe it's gonna come back around.\n\nWe've been along. We have done a lot of research on it, and we feel like there might be better options out there, that we could look at instead. Because we've been along the way that they kind of work is that they are a managed fund, so they are actively trying to buy and sell different investments in order to try to outperform the market. And if they are kind of under they have been a little bit slower recently with making their decisions. Before, they were really, really good.\n\nThey were one of the best performing fund managers, but more recently, they've been a little bit slower with making their decisions. And if that's the case as well and we don't foresee it being the best option for for you, we then wanna look at, okay, what can we swap it for instead, making sure we put you both in the best position moving forward. So are you happy, both of you, for me to do a bit of proposal to see what we could swap that one out for you? Yeah? So we yeah.\n\nSo with investments, if it is under if it's under 15,000 and it is not a massive change, we can just send you a document to say this is what we've changed. If it's over 15,000, we have to, from a compliance point, put it in that, like, a statement of advice for you and do a bit more in-depth research. Now for you, Hailey, it is under 15, but for Andrew, you are over. So because of that, I might as well do a bit more in-depth for both of you and include it in one strategy if you are happy with that, and we can do it all together. Yep.\n\nAlright. Perfect. Now, otherwise, in the email, you should see so for you, Andrew, you will have your Clearview certificate of currency. This shows you the insurances in a bit more, detail there for you. And both of you as well should have a financial services guide version four and then o two services guide version one.\n\nYeah? You following me so far? Yeah. Clear fee. Yep.\n\nSo for example let me just see here. If you wanna open the OQ services guide, the other one is just kind of like a smaller version. So I'll let you guys have a read over that in your own time. But if you wanna open the OQ services guide, now this is the same one for both of you, It is one of those compliance forms. You probably have seen these a few times, but, basically, it gives you all the important information in regards to us here.\n\nNone of the information has none of the important information has changed, but we recently had a bit of an update through marketing, which is great. We've got a bit more updated photos, which is nice, and we've had a bit of an extension to the team as well. So as you guys have a have a scroll through, you guys can read this in your own time as well. But if you do wanna put a face through my voice as well to know who you're actually speaking with, if you want to scroll down through page 10, I believe, you should see myself there next to Dana. You can kind of scroll through.\n\nYou can see a cup you can see the team, like, the director. You're like, there is no page 10. Yeah. So sometimes it is nice to see who you are talking with, and you can kind of have a scroll through your own time as well with, you know, all the advices and everything in here for you as well. That was basically all of the documents there.\n\nNow there is one attachment for both of you to sign. Now you have already signed your ongoing service agreement before, so you don't have to do that. That one was basically to say that you're happy to stay on as a client. There was no changes whatsoever in regards to that fee structure. It stayed exactly the same at 1.1.\n\nBut you guys have already signed that. So the only thing outstanding for both of you is a tax file number opt in form. So if you guys click out of your inbox and then click on the link where it says request signature sign now, can you guys then see both of you a form where it says option to provide tax file number? Sorry. If you click on the link yeah.\n\nYep. Sorry. This is the only one that requires a signature, and that is basically another compliance form just to say we are keeping your tax number secure and safe on file. So if you guys are happy to add a little scribble on that one and then press see that finish or start or validate, and then it should say, like, a little wheel that loads, and then it should just send it back to me. There should just be one, so you could do either because it should take you just to where you need to sign.\n\nYou can't you can't just sign all because it should just be that one form. Usually. Yes. Yeah. Alright.\n\nPerfect. I can see, Hailey, yours have come through. Andrea's yours must be no. That's okay. While I do wait for Andrea to oh, beautiful.\n\nThat has come through as well, which is great. So, basically, from here is that I will pre fill those beneficiary forms for you, send it through to you, Hailey, get that all sorted. I'll attach the cash flow and budget spreadsheet as well. Otherwise, I will go and do the research on your investments to see if we wanna swap out that Benelung for you and what that would look like. So while I have you on the phone, I can book in a time to go through that.\n\nAnd are you happy to do that together again on the phone? Yep. Perfect. Now when is the best time for you to do that? Okay.\n\nSorry about this. Yeah. Okay. Let me have a look. So I don't work Friday, the first.\n\nYeah. No. That's okay. Alright. Let me have a look at availability.\n\nSorry. I could do Thursday, June 4. I could do same time, 05:30. Otherwise, that'll be Thursday, sorry, in two weeks. Thursday, June 4 at 05:30.\n\nOtherwise because Thursdays is my when I work after hours. Otherwise, if we want to look at a Monday, I could do Monday the first at 4PM or No. It's a bit too early. Okay. So fourth of June at 05:30.\n\nThe same as now. Okay. Perfect. Well, I will get that all booked in on Thursday, June 4 at 05:30. I'll give you a call again and send you guys the proposal, and we can kind of go through it.\n\nIt should be a little bit quicker than today's conversation. But before I let you guys go, otherwise, do you have any other questions for me before I let you go and enjoy the rest of your afternoon or evening, I should say? That's all good. Yeah. Beautiful.\n\nIf you can't think of anything and you there is anything else, so just let me know. But, otherwise, I look forward to speaking with you both on Thursday, June 4. Mhmm. No problem at all. We'll speak soon.\n\nAlright. Bye. You too.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.76,"end":2.48,"sentiment":"neutral","sentiment_score":0.24527284502983093},{"text":"This is Andrew.","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.1748588482538859},{"text":"This is Veronica from Oakview Financial.","start":4.72,"end":6.98,"sentiment":"neutral","sentiment_score":0.16391884287198386},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.15911302467187247},{"text":"Not good.","start":9.44,"end":10.26,"sentiment":"neutral","sentiment_score":0.049561165273189545}],"sentiment":"neutral","sentiment_score":0.1609435435384512,"num_words":16,"start":1.76,"end":10.26},{"sentences":[{"text":"I had you and Hailey booked in for your annual review.","start":10.719999,"end":13.599999,"sentiment":"positive","sentiment_score":0.35853162136944855},{"text":"Is now still a good time for both of you?","start":13.599999,"end":15.615,"sentiment":"positive","sentiment_score":0.37146187871694564},{"text":"Yep.","start":16.815,"end":17.295,"sentiment":"neutral","sentiment_score":0.07151810824871063},{"text":"And is Hailey there with you as well?","start":17.295,"end":19.314999,"sentiment":"neutral","sentiment_score":0.05595070356503129},{"text":"Yep.","start":20.654999,"end":21.055,"sentiment":"neutral","sentiment_score":0.08053283393383026}],"sentiment":"neutral","sentiment_score":0.26639107073987683,"num_words":31,"start":10.719999,"end":21.055},{"sentences":[{"text":"Okay.","start":21.055,"end":21.535,"sentiment":"neutral","sentiment_score":0.19450606405735016},{"text":"Perfect.","start":21.535,"end":22.035,"sentiment":"positive","sentiment_score":0.4102104008197784},{"text":"Now just before I do go any further, I just need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay?","start":23.055,"end":30.835,"sentiment":"neutral","sentiment_score":0.07007866973678271},{"text":"Yep.","start":32.53,"end":33.010002,"sentiment":"neutral","sentiment_score":0.12009365856647491},{"text":"Perfect.","start":33.010002,"end":33.510002,"sentiment":"neutral","sentiment_score":0.27150461077690125}],"sentiment":"neutral","sentiment_score":0.09113749489188194,"num_words":34,"start":21.055,"end":33.510002},{"sentences":[{"text":"And just for security purposes, I will just need both of you to confirm security.","start":34.13,"end":38.79,"sentiment":"neutral","sentiment_score":0.10205729752779007},{"text":"Now, Hailey, for yourself, I do have a password on file.","start":39.41,"end":42.61,"sentiment":"neutral","sentiment_score":0.07520946928045967},{"text":"Do you know who that might be?","start":42.61,"end":44.15,"sentiment":"neutral","sentiment_score":0.02868558998618807},{"text":"Yep.","start":45.655,"end":46.135,"sentiment":"neutral","sentiment_score":0.05665573477745056},{"text":"Perfect.","start":46.135,"end":46.635,"sentiment":"neutral","sentiment_score":0.1737235188484192}],"sentiment":"neutral","sentiment_score":0.07969548595803125,"num_words":35,"start":34.13,"end":46.635},{"sentences":[{"text":"And, Andrew, for you, I don't have a password.","start":46.934998,"end":49.175,"sentiment":"neutral","sentiment_score":0.05744933233492904},{"text":"So if you could confirm your full name, date of birth, and address, please.","start":49.175,"end":52.795,"sentiment":"neutral","sentiment_score":0.0670647504074233},{"text":"Yes, please.","start":58.95,"end":59.77,"sentiment":"neutral","sentiment_score":0.02451600506901741},{"text":"Perfect.","start":63.27,"end":63.77,"sentiment":"neutral","sentiment_score":0.32518965005874634},{"text":"Would you like to put a password in, or you're happy to just do the three point security when we call you?","start":63.83,"end":68.835,"sentiment":"neutral","sentiment_score":0.2223703691905195}],"sentiment":"neutral","sentiment_score":0.14004833914805204,"num_words":48,"start":46.934998,"end":68.835},{"sentences":[{"text":"Yeah.","start":70.755,"end":71.255,"sentiment":"positive","sentiment_score":0.404340922832489},{"text":"Makes it nice and easy.","start":71.395,"end":72.775,"sentiment":"positive","sentiment_score":0.5542873859405517},{"text":"Perfect.","start":73.395,"end":73.895,"sentiment":"positive","sentiment_score":0.3651122152805328},{"text":"Now before I do jump into the under review as well, I do like to start by asking if there is anything specific that either of you would like to discuss further today or have any specific questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months.","start":75.395,"end":90.439995,"sentiment":"neutral","sentiment_score":0.07050044320780656},{"text":"Yeah.","start":95.21999,"end":95.71999,"sentiment":"neutral","sentiment_score":0.12347154319286346}],"sentiment":"neutral","sentiment_score":0.11747556541002158,"num_words":66,"start":70.755,"end":95.71999},{"sentences":[{"text":"Perfect.","start":96.1,"end":96.579994,"sentiment":"neutral","sentiment_score":0.24395820498466492},{"text":"And that's the same for you, Hailey?","start":96.579994,"end":98.28,"sentiment":"neutral","sentiment_score":0.1560531726905278},{"text":"Yep.","start":99.725006,"end":100.125,"sentiment":"neutral","sentiment_score":0.07554064691066742},{"text":"Alright.","start":100.125,"end":100.605,"sentiment":"neutral","sentiment_score":0.1652050018310547},{"text":"Perfect.","start":100.605,"end":101.105,"sentiment":"neutral","sentiment_score":0.24634641408920288}],"sentiment":"neutral","sentiment_score":0.1657656796953895,"num_words":11,"start":96.1,"end":101.105},{"sentences":[{"text":"Well, what I might do first is to just go through a bit of an updated fact find with you both just to see if there is anything major that has changed in your life or if you need to make any changes to your advice.","start":101.165,"end":113.665,"sentiment":"neutral","sentiment_score":0.06249050212943036},{"text":"So just bear with me as I go through this, and I'll try to do it as quickly as I can for for both of you.","start":114.88,"end":120.34,"sentiment":"neutral","sentiment_score":0.0065062583531611245},{"text":"Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older.","start":121.04,"end":131.585,"sentiment":"neutral","sentiment_score":0.0008739367748300235},{"text":"Is that correct?","start":131.585,"end":132.405,"sentiment":"neutral","sentiment_score":0.015411009080708027},{"text":"Yep.","start":133.74501,"end":134.24501,"sentiment":"neutral","sentiment_score":0.09710042178630827}],"sentiment":"neutral","sentiment_score":0.0303139374283898,"num_words":106,"start":101.165,"end":134.24501},{"sentences":[{"text":"Perfect.","start":134.30501,"end":134.80501,"sentiment":"positive","sentiment_score":0.3708494305610657},{"text":"And with you, Andrew, when it comes to your employment, has any of that changed in the last twelve months or still yeah?","start":135.66501,"end":143.685,"sentiment":"neutral","sentiment_score":0.026259518957332424},{"text":"Okay.","start":145.66,"end":146.06,"sentiment":"neutral","sentiment_score":0.010817515663802624},{"text":"Are you still working as a marine mechanic?","start":146.06,"end":149.28,"sentiment":"neutral","sentiment_score":0.006070365023333579},{"text":"Just a new employer?","start":149.42,"end":150.56,"sentiment":"neutral","sentiment_score":0.00540203251875937}],"sentiment":"neutral","sentiment_score":0.028535322500141087,"num_words":37,"start":134.30501,"end":150.56},{"sentences":[{"text":"Okay.","start":150.78,"end":151.02,"sentiment":"neutral","sentiment_score":0.01019859965890646},{"text":"And what's your new employer?","start":151.02,"end":152.4,"sentiment":"neutral","sentiment_score":0.010230551660060882},{"text":"Ocean tech marine.","start":155.9,"end":157.68,"sentiment":"neutral","sentiment_score":0.02253486712773641},{"text":"And when did you start there?","start":157.81999,"end":159.44,"sentiment":"neutral","sentiment_score":0.009405001842727264},{"text":"Yeah.","start":162.935,"end":163.435,"sentiment":"neutral","sentiment_score":0.07509976625442505}],"sentiment":"neutral","sentiment_score":0.016280358540825546,"num_words":16,"start":150.78,"end":163.435},{"sentences":[{"text":"And are you liking it so far?","start":163.495,"end":165.11499,"sentiment":"neutral","sentiment_score":0.1539588708962713},{"text":"Perfect.","start":167.33499,"end":167.735,"sentiment":"positive","sentiment_score":0.5692961812019348},{"text":"Still full time, though?","start":167.735,"end":169.11499,"sentiment":"neutral","sentiment_score":0.2584712468087673},{"text":"Yep.","start":170.135,"end":170.455,"sentiment":"neutral","sentiment_score":0.07843924313783646},{"text":"Perfect.","start":170.455,"end":170.955,"sentiment":"neutral","sentiment_score":0.1851070821285248}],"sentiment":"neutral","sentiment_score":0.2103171135698046,"num_words":14,"start":163.495,"end":170.955},{"sentences":[{"text":"Income, did that change?","start":172.69499,"end":174.39499,"sentiment":"neutral","sentiment_score":0.07874109875410795},{"text":"Yep.","start":176.15,"end":176.47,"sentiment":"neutral","sentiment_score":0.025763792917132378},{"text":"So what's it at now on a yearly basis?","start":176.47,"end":179.29,"sentiment":"neutral","sentiment_score":0.013557467299203077},{"text":"About a hundred?","start":179.98999,"end":180.89,"sentiment":"neutral","sentiment_score":0.010202928135792414},{"text":"Yep.","start":182.39,"end":182.89,"sentiment":"neutral","sentiment_score":0.06082725524902344}],"sentiment":"neutral","sentiment_score":0.03078785740459959,"num_words":18,"start":172.69499,"end":182.89},{"sentences":[{"text":"Okay.","start":185.43,"end":185.83,"sentiment":"neutral","sentiment_score":0.14966459572315216},{"text":"Perfect.","start":185.83,"end":186.33,"sentiment":"neutral","sentiment_score":0.2609575688838959},{"text":"And do you get paid bonuses or overtime or anything like that or just, like, your base pay?","start":189.325,"end":194.065,"sentiment":"neutral","sentiment_score":0.03825233783572912},{"text":"You get overtime.","start":194.765,"end":195.665,"sentiment":"neutral","sentiment_score":0.019207031776507694},{"text":"And that would then be in addition to the 100?","start":196.28499,"end":198.545,"sentiment":"neutral","sentiment_score":0.02783830128610134}],"sentiment":"neutral","sentiment_score":0.043489950116385116,"num_words":33,"start":185.43,"end":198.545},{"sentences":[{"text":"Yep.","start":200.93999,"end":201.26,"sentiment":"neutral","sentiment_score":0.06223158165812493},{"text":"Okay.","start":201.26,"end":201.65999,"sentiment":"neutral","sentiment_score":0.13294097781181335},{"text":"Perfect.","start":201.65999,"end":202.15999,"sentiment":"neutral","sentiment_score":0.2195107638835907},{"text":"And do you know if your new employer also paid such standard 12% contribution for you, or do you have a special EBA with that?","start":203.18,"end":212.265,"sentiment":"neutral","sentiment_score":0.021074631847441197},{"text":"Okay.","start":216.185,"end":216.685,"sentiment":"neutral","sentiment_score":-0.0021930821239948273}],"sentiment":"neutral","sentiment_score":0.03239158749708842,"num_words":29,"start":200.93999,"end":216.685},{"sentences":[{"text":"But there's no you don't have, like, an EBA or anything like that in place that gives you additional benefits?","start":216.825,"end":222.44499,"sentiment":"neutral","sentiment_score":-0.05593558298423886},{"text":"No.","start":224.265,"end":224.58499,"sentiment":"neutral","sentiment_score":-0.11114279925823212},{"text":"Okay.","start":224.58499,"end":225.08499,"sentiment":"neutral","sentiment_score":-0.07154396921396255},{"text":"No.","start":225.40001,"end":225.64,"sentiment":"neutral","sentiment_score":-0.07484486699104309},{"text":"Okay.","start":225.64,"end":225.88,"sentiment":"neutral","sentiment_score":-0.003115450963377953}],"sentiment":"neutral","sentiment_score":-0.057473281087974705,"num_words":24,"start":216.825,"end":225.88},{"sentences":[{"text":"Perfect.","start":225.88,"end":226.28,"sentiment":"neutral","sentiment_score":0.15507204830646515},{"text":"And, typically, you would as well.","start":226.28,"end":227.56001,"sentiment":"neutral","sentiment_score":0.0875428537838161},{"text":"If it is that they do give you more benefits, they do tend to tell you.","start":227.56001,"end":230.92,"sentiment":"neutral","sentiment_score":0.06818555679637939},{"text":"So if they haven't said anything, it's the minimum is 12%.","start":230.92,"end":235.34001,"sentiment":"neutral","sentiment_score":0.014026012186976996},{"text":"And you're not making any additional contributions yourself otherwise?","start":237.56,"end":240.575,"sentiment":"neutral","sentiment_score":0.002280857620967759}],"sentiment":"neutral","sentiment_score":0.04525841703248579,"num_words":43,"start":225.88,"end":240.575},{"sentences":[{"text":"Just that from your employer?","start":240.575,"end":241.715,"sentiment":"neutral","sentiment_score":-0.006493669748306274},{"text":"No.","start":243.135,"end":243.635,"sentiment":"neutral","sentiment_score":-0.03701341152191162},{"text":"Perfect.","start":243.775,"end":244.275,"sentiment":"neutral","sentiment_score":0.23660579323768616},{"text":"And for you, Hailey, has any of your occupation changed?","start":244.81499,"end":247.875,"sentiment":"neutral","sentiment_score":0.053856435790658},{"text":"Still same.","start":250.015,"end":250.735,"sentiment":"neutral","sentiment_score":0.07220044545829296}],"sentiment":"neutral","sentiment_score":0.044741541147232056,"num_words":19,"start":240.575,"end":250.735},{"sentences":[{"text":"Perfect.","start":250.735,"end":251.235,"sentiment":"positive","sentiment_score":0.4017080068588257},{"text":"I do have income at about 60,000 for you.","start":251.855,"end":255.15,"sentiment":"neutral","sentiment_score":0.22796466449896494},{"text":"Okay.","start":259.15,"end":259.65,"sentiment":"neutral","sentiment_score":0.1311960220336914},{"text":"And for you, yeah, it would then be on top of that if you do earn overtime.","start":260.27,"end":263.88998,"sentiment":"neutral","sentiment_score":0.14005403395961313},{"text":"And your employer also that's standard 12% contribution?","start":264.91,"end":267.88998,"sentiment":"neutral","sentiment_score":0.06738741928711534}],"sentiment":"neutral","sentiment_score":0.15290566502759853,"num_words":36,"start":250.735,"end":267.88998},{"sentences":[{"text":"Yep.","start":269.415,"end":269.815,"sentiment":"neutral","sentiment_score":0.17279571294784546},{"text":"Perfect.","start":269.815,"end":270.215,"sentiment":"positive","sentiment_score":0.44843989610672},{"text":"And you don't make any additional mhmm.","start":270.215,"end":272.955,"sentiment":"neutral","sentiment_score":0.1882576197385788},{"text":"Yep.","start":281.27002,"end":281.77002,"sentiment":"neutral","sentiment_score":0.1071566566824913},{"text":"And where does that go?","start":281.83002,"end":283.35,"sentiment":"neutral","sentiment_score":0.06335488334298134}],"sentiment":"neutral","sentiment_score":0.15753133470813432,"num_words":15,"start":269.415,"end":283.35},{"sentences":[{"text":"Like, is that for yes.","start":283.35,"end":287.11002,"sentiment":"neutral","sentiment_score":0.11759553253650665},{"text":"Okay.","start":287.11002,"end":287.43002,"sentiment":"neutral","sentiment_score":0.24509543180465695},{"text":"Perfect.","start":287.43002,"end":287.93002,"sentiment":"positive","sentiment_score":0.46745064854621887},{"text":"Great.","start":289.67,"end":290.17,"sentiment":"positive","sentiment_score":0.5321584939956665},{"text":"Alright.","start":290.47,"end":290.97,"sentiment":"neutral","sentiment_score":0.3198221027851105}],"sentiment":"neutral","sentiment_score":0.2391671488682429,"num_words":9,"start":283.35,"end":290.97},{"sentences":[{"text":"And asset wise, I have both I have different values, so I'll confirm which one is right.","start":293.205,"end":299.065,"sentiment":"neutral","sentiment_score":0.1508423734237166},{"text":"For you, Hailey, I have a car valued at 35,000 with 27 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okay?","start":328.47498,"end":329.615,"sentiment":"neutral","sentiment_score":-0.06136668473482132},{"text":"Okay.","start":332.25,"end":332.75,"sentiment":"neutral","sentiment_score":-0.12251083552837372},{"text":"Oh.","start":335.61002,"end":335.85,"sentiment":"neutral","sentiment_score":-0.10250773280858994},{"text":"Oh, well, that's annoying.","start":335.85,"end":336.89,"sentiment":"neutral","sentiment_score":-0.3002086617052555}],"sentiment":"neutral","sentiment_score":-0.15397624095732515,"num_words":11,"start":325.51498,"end":336.89},{"sentences":[{"text":"We're glad you weren't in it, though.","start":336.89,"end":338.35,"sentiment":"neutral","sentiment_score":-0.16528173642499105},{"text":"Oh, jeez.","start":341.53,"end":342.35,"sentiment":"neutral","sentiment_score":-0.0006839800626039505},{"text":"Very lucky.","start":342.49,"end":343.31,"sentiment":"neutral","sentiment_score":0.3205811157822609},{"text":"Did you have anything owing on that one?","start":345.195,"end":347.195,"sentiment":"neutral","sentiment_score":0.025577372405678034},{"text":"Or oh, go pay that.","start":347.195,"end":351.21503,"sentiment":"neutral","sentiment_score":-0.09493984207510948}],"sentiment":"neutral","sentiment_score":-0.032802421444406114,"num_words":24,"start":336.89,"end":351.21503},{"sentences":[{"text":"Okay.","start":352.71503,"end":353.21503,"sentiment":"neutral","sentiment_score":-0.008651900105178356},{"text":"Okay.","start":353.755,"end":354.075,"sentiment":"neutral","sentiment_score":0.0022919829934835434},{"text":"And how much is that loan for?","start":354.075,"end":356.55502,"sentiment":"neutral","sentiment_score":0.005039137056363481},{"text":"Do you know?","start":356.55502,"end":357.375,"sentiment":"neutral","sentiment_score":-0.001413995244850715},{"text":"About the 30 5?","start":358.86002,"end":360.24002,"sentiment":"neutral","sentiment_score":0.0012370964395813644}],"sentiment":"neutral","sentiment_score":0.001851277644163929,"num_words":16,"start":352.71503,"end":360.24002},{"sentences":[{"text":"Yep.","start":361.1,"end":361.5,"sentiment":"neutral","sentiment_score":0.04971608519554138},{"text":"Okay.","start":361.5,"end":361.82,"sentiment":"neutral","sentiment_score":0.1751507818698883},{"text":"Perfect.","start":361.82,"end":362.32,"sentiment":"positive","sentiment_score":0.4455981850624085},{"text":"Well, that's frustrating.","start":365.1,"end":366.0,"sentiment":"neutral","sentiment_score":-0.3287046054999034},{"text":"But they they say you weren't in it anyway, and, yeah, still 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okay?","start":385.505,"end":386.325,"sentiment":"neutral","sentiment_score":-0.10872937242190044},{"text":"Sounds like it's pretty serious if you do three cars.","start":386.83002,"end":389.25,"sentiment":"negative","sentiment_score":-0.35533057153224945},{"text":"Yeah.","start":395.15002,"end":395.47,"sentiment":"neutral","sentiment_score":-0.033427756279706955},{"text":"Then did your daughter's car get sorted as well?","start":395.47,"end":398.27002,"sentiment":"neutral","sentiment_score":-0.04165915441181925},{"text":"Did you have to get that one sorted as well?","start":398.27002,"end":400.215,"sentiment":"neutral","sentiment_score":-0.03943525534123182}],"sentiment":"neutral","sentiment_score":-0.14188504642383618,"num_words":33,"start":385.505,"end":400.215},{"sentences":[{"text":"Oh, that's nice.","start":425.205,"end":426.26498,"sentiment":"neutral","sentiment_score":0.24517936507860819},{"text":"Yeah.","start":426.725,"end":427.225,"sentiment":"neutral","sentiment_score":0.03180551156401634},{"text":"Yeah.","start":431.365,"end":431.865,"sentiment":"neutral","sentiment_score":-0.044885993003845215},{"text":"I can imagine.","start":432.005,"end":432.82498,"sentiment":"neutral","sentiment_score":-0.03245916093389193},{"text":"And for you, Andrew, I have that you have a motor vehicle ride at about 30,000.","start":434.245,"end":439.145,"sentiment":"neutral","sentiment_score":-0.008221251395298168}],"sentiment":"neutral","sentiment_score":0.02056417119456455,"num_words":24,"start":425.205,"end":439.145},{"sentences":[{"text":"Yeah.","start":443.04,"end":443.28,"sentiment":"neutral","sentiment_score":-0.015097910538315771},{"text":"How much do you think if you were to sell it today?","start":443.28,"end":445.62,"sentiment":"neutral","sentiment_score":-0.033957844600081444},{"text":"About 20?","start":448.08002,"end":448.9,"sentiment":"neutral","sentiment_score":-0.020542980171740055},{"text":"Alright.","start":450.32,"end":450.82,"sentiment":"neutral","sentiment_score":0.0125063955783844},{"text":"And I do and it's fully paid off?","start":450.96,"end":453.955,"sentiment":"neutral","sentiment_score":-0.03773816907778382}],"sentiment":"neutral","sentiment_score":-0.03137820679694414,"num_words":24,"start":443.04,"end":453.955},{"sentences":[{"text":"So how much do you think if you had to, like, pay it off today?","start":457.935,"end":461.395,"sentiment":"neutral","sentiment_score":0.0045619788269201916},{"text":"Oh, okay.","start":463.055,"end":463.615,"sentiment":"neutral","sentiment_score":0.011176721658557653},{"text":"Sorry.","start":463.615,"end":464.095,"sentiment":"neutral","sentiment_score":-0.0023193154484033585},{"text":"I'll just put thousand, like, 500 ish less.","start":464.095,"end":470.97,"sentiment":"neutral","sentiment_score":0.014138985075987875},{"text":"So, basically.","start":476.07,"end":477.29,"sentiment":"neutral","sentiment_score":0.030331967398524284}],"sentiment":"neutral","sentiment_score":0.009365700917052371,"num_words":28,"start":457.935,"end":477.29},{"sentences":[{"text":"Oh, okay.","start":479.375,"end":480.115,"sentiment":"neutral","sentiment_score":0.06212804839015007},{"text":"Okay.","start":480.57498,"end":480.895,"sentiment":"neutral","sentiment_score":0.14431864023208618},{"text":"Perfect.","start":480.895,"end":481.395,"sentiment":"positive","sentiment_score":0.4032464921474457},{"text":"Now do you guys have any other assets, any other motor vehicles or boats or motorbikes or savings or anything else?","start":482.735,"end":491.07498,"sentiment":"neutral","sentiment_score":0.040808458923406545},{"text":"No.","start":492.31998,"end":492.81998,"sentiment":"neutral","sentiment_score":-0.08204270899295807}],"sentiment":"neutral","sentiment_score":0.055644467598400436,"num_words":26,"start":479.375,"end":492.81998},{"sentences":[{"text":"No.","start":494.4,"end":494.9,"sentiment":"neutral","sentiment_score":-0.15769745409488678},{"text":"It's with work.","start":497.28,"end":498.24,"sentiment":"neutral","sentiment_score":-0.05675810823837916},{"text":"Okay.","start":498.24,"end":498.72,"sentiment":"neutral","sentiment_score":0.01988505013287067},{"text":"Yep.","start":498.72,"end":499.22,"sentiment":"neutral","sentiment_score":0.01963658817112446},{"text":"And any other liabilities, like personal loans, credit cards, ZipPay?","start":499.68,"end":504.02,"sentiment":"neutral","sentiment_score":0.013930896949023008}],"sentiment":"neutral","sentiment_score":-0.00932132318848744,"num_words":16,"start":494.4,"end":504.02},{"sentences":[{"text":"Yeah.","start":506.925,"end":507.405,"sentiment":"neutral","sentiment_score":0.01041102223098278},{"text":"How if you were to just combine, how much do you think in the total?","start":507.405,"end":512.705,"sentiment":"neutral","sentiment_score":0.006375787282983462},{"text":"Yeah.","start":514.685,"end":515.185,"sentiment":"neutral","sentiment_score":-0.017365898936986923},{"text":"About 10 so about 6 for you, Hailey, and 4 for you, Andrew.","start":526.13995,"end":529.57996,"sentiment":"neutral","sentiment_score":0.03237317402202349},{"text":"Is that what I heard right?","start":529.57996,"end":531.04,"sentiment":"neutral","sentiment_score":0.005682907300069928}],"sentiment":"neutral","sentiment_score":0.0151008510729298,"num_words":36,"start":506.925,"end":531.04},{"sentences":[{"text":"Yep.","start":531.25995,"end":531.75995,"sentiment":"neutral","sentiment_score":0.010083767585456371},{"text":"Yep.","start":532.72504,"end":533.205,"sentiment":"neutral","sentiment_score":0.07424771785736084},{"text":"Perfect.","start":533.205,"end":533.705,"sentiment":"neutral","sentiment_score":0.29836025834083557},{"text":"Health and lifestyle wise, I have you both down here as a nonsmoker.","start":535.445,"end":539.865,"sentiment":"neutral","sentiment_score":0.15265915313592324},{"text":"Is that correct?","start":540.245,"end":541.145,"sentiment":"neutral","sentiment_score":0.08948565771182378}],"sentiment":"neutral","sentiment_score":0.13872198461505927,"num_words":19,"start":531.25995,"end":541.145},{"sentences":[{"text":"Perfect.","start":542.565,"end":543.065,"sentiment":"neutral","sentiment_score":0.1961994767189026},{"text":"And have either of you had any significant health issues or any injuries or anything in the last twelve months?","start":543.525,"end":549.64,"sentiment":"neutral","sentiment_score":-0.009620416164398193},{"text":"Anything that's changed with your health?","start":549.64,"end":551.42,"sentiment":"neutral","sentiment_score":-0.09511955082416534},{"text":"Nope.","start":551.72,"end":551.88,"sentiment":"neutral","sentiment_score":-0.1241047978401184},{"text":"Beautiful.","start":551.88,"end":552.38,"sentiment":"neutral","sentiment_score":0.016845591366291046}],"sentiment":"neutral","sentiment_score":-0.023247770965099335,"num_words":29,"start":542.565,"end":552.38},{"sentences":[{"text":"Pretty good.","start":554.6,"end":555.5,"sentiment":"positive","sentiment_score":0.4474814832210541},{"text":"That's good.","start":555.56,"end":556.38,"sentiment":"positive","sentiment_score":0.3814758062362671},{"text":"Private health insurance.","start":557.39996,"end":558.6,"sentiment":"neutral","sentiment_score":0.07897669325272243},{"text":"Do you guys have private health insurance?","start":558.6,"end":560.38,"sentiment":"neutral","sentiment_score":0.016007111008678163},{"text":"Okay.","start":563.715,"end":564.03503,"sentiment":"neutral","sentiment_score":0.10720190405845642}],"sentiment":"neutral","sentiment_score":0.1409397559861342,"num_words":15,"start":554.6,"end":564.03503},{"sentences":[{"text":"Perfect.","start":564.03503,"end":564.53503,"sentiment":"neutral","sentiment_score":0.1916215717792511},{"text":"And is that hospital and stuff as well?","start":565.715,"end":568.055,"sentiment":"neutral","sentiment_score":0.04842387558892369},{"text":"Okay.","start":578.29,"end":578.76996,"sentiment":"neutral","sentiment_score":-0.021568521857261658},{"text":"Okay.","start":578.76996,"end":579.00995,"sentiment":"neutral","sentiment_score":-0.02990646660327911},{"text":"No.","start":579.00995,"end":579.17,"sentiment":"neutral","sentiment_score":-0.10789966583251952}],"sentiment":"neutral","sentiment_score":0.03496982684979836,"num_words":12,"start":564.03503,"end":579.17},{"sentences":[{"text":"That's okay.","start":579.17,"end":579.91,"sentiment":"neutral","sentiment_score":-0.06174537166953087},{"text":"Nope.","start":582.05,"end":582.44995,"sentiment":"neutral","sentiment_score":-0.2471964955329895},{"text":"That's alright.","start":582.44995,"end":583.26996,"sentiment":"neutral","sentiment_score":-0.10960143804550171},{"text":"Is that something you're looking at?","start":587.745,"end":589.365,"sentiment":"neutral","sentiment_score":-0.01335605598675708},{"text":"Yeah.","start":594.785,"end":595.285,"sentiment":"neutral","sentiment_score":-0.19364701211452484}],"sentiment":"neutral","sentiment_score":-0.07197278858317684,"num_words":12,"start":579.17,"end":595.285},{"sentences":[{"text":"No.","start":599.76,"end":600.0,"sentiment":"neutral","sentiment_score":-0.3112913966178894},{"text":"It and then every every year, it goes up a lot too, doesn't it?","start":600.0,"end":603.86,"sentiment":"neutral","sentiment_score":-0.2919736419405256},{"text":"Yeah.","start":607.6,"end":608.1,"sentiment":"neutral","sentiment_score":-0.015202687121927738},{"text":"Yeah.","start":610.495,"end":610.895,"sentiment":"neutral","sentiment_score":0.007061474025249481},{"text":"Well, not to the same rate anyway as everything else, especially nowadays.","start":610.895,"end":615.955,"sentiment":"neutral","sentiment_score":-0.08175025833770633}],"sentiment":"neutral","sentiment_score":-0.18579540334256558,"num_words":29,"start":599.76,"end":615.955},{"sentences":[{"text":"Estate planning wise, do either of you have a will in place?","start":617.775,"end":621.635,"sentiment":"neutral","sentiment_score":-0.00833841118340691},{"text":"No.","start":623.93,"end":624.43,"sentiment":"neutral","sentiment_score":-0.1218228042125702},{"text":"When it comes to your super and insurances, I can also see here that we currently have outstanding for both of you, actually, your beneficiary forms.","start":624.97,"end":634.99,"sentiment":"neutral","sentiment_score":-0.04875624036559692},{"text":"Have you guys received those in the post at all?","start":635.375,"end":638.755,"sentiment":"neutral","sentiment_score":-0.05515224635601044},{"text":"Yeah.","start":651.79,"end":652.29,"sentiment":"neutral","sentiment_score":-0.011429831385612488}],"sentiment":"neutral","sentiment_score":-0.0410499656572938,"num_words":50,"start":617.775,"end":652.29},{"sentences":[{"text":"Unfortunately, not because it's a legal nomination.","start":653.55,"end":656.21,"sentiment":"neutral","sentiment_score":-0.25673429880823406},{"text":"Sorry if it was that simple.","start":656.59,"end":658.61,"sentiment":"neutral","sentiment_score":-0.04248496765891711},{"text":"No.","start":660.04504,"end":660.54504,"sentiment":"neutral","sentiment_score":-0.06072041392326355},{"text":"One off.","start":660.765,"end":661.505,"sentiment":"neutral","sentiment_score":-0.04721166752278805},{"text":"You can you can actually yeah.","start":661.565,"end":663.48505,"sentiment":"neutral","sentiment_score":-0.010051732882857323}],"sentiment":"neutral","sentiment_score":-0.1030683656307784,"num_words":22,"start":653.55,"end":663.48505},{"sentences":[{"text":"So there there are different types depending on what you want.","start":663.48505,"end":666.305,"sentiment":"neutral","sentiment_score":0.0016149634664708917},{"text":"So you can do a lapsing or a non lapsing.","start":666.525,"end":670.385,"sentiment":"neutral","sentiment_score":0.024460088321939112},{"text":"So non lapsing means you do it once.","start":670.445,"end":673.32,"sentiment":"neutral","sentiment_score":0.030192623380571604},{"text":"It stays in place until you decide to change it.","start":673.4,"end":676.62,"sentiment":"neutral","sentiment_score":0.02062458097934723},{"text":"Yeah.","start":677.88,"end":678.38,"sentiment":"neutral","sentiment_score":0.10690034925937653}],"sentiment":"neutral","sentiment_score":0.020426315686199813,"num_words":40,"start":663.48505,"end":678.38},{"sentences":[{"text":"Is that the same for you, Andrew?","start":679.88,"end":681.08,"sentiment":"neutral","sentiment_score":0.12909979160342896},{"text":"Because if so, I can get them prefilled.","start":681.08,"end":682.7,"sentiment":"neutral","sentiment_score":0.09386527445167303},{"text":"Yeah.","start":683.08,"end":683.58,"sentiment":"neutral","sentiment_score":0.10965703427791595},{"text":"Alright.","start":687.09503,"end":687.495,"sentiment":"neutral","sentiment_score":0.08055786788463593},{"text":"Do you have access to a printer, or would you prefer post?","start":687.495,"end":690.315,"sentiment":"neutral","sentiment_score":0.05325943510979414}],"sentiment":"neutral","sentiment_score":0.08565340897646444,"num_words":29,"start":679.88,"end":690.315},{"sentences":[{"text":"Okay.","start":692.935,"end":693.435,"sentiment":"neutral","sentiment_score":0.057281263172626495},{"text":"Because what I can Yeah.","start":693.815,"end":696.29504,"sentiment":"neutral","sentiment_score":0.033351732045412065},{"text":"Because what I can do then is I'll send it to your email for both of you if you're happy with that, Hailey.","start":696.29504,"end":702.04,"sentiment":"neutral","sentiment_score":0.27295100753721985},{"text":"I'll get them prefilled.","start":702.66,"end":704.12,"sentiment":"neutral","sentiment_score":0.24834587052464485},{"text":"And then, yeah, because you are making a legal nomination, they do have to be printed website.","start":704.98,"end":711.24,"sentiment":"neutral","sentiment_score":0.09048206337234553}],"sentiment":"neutral","sentiment_score":0.18066983312368393,"num_words":50,"start":692.935,"end":711.24},{"sentences":[{"text":"You can you can scan that and email it.","start":714.095,"end":715.935,"sentiment":"neutral","sentiment_score":0.1308919315536817},{"text":"That makes it makes it faster.","start":715.935,"end":717.39496,"sentiment":"neutral","sentiment_score":0.28532418608665466},{"text":"Yeah.","start":717.45496,"end":717.95496,"sentiment":"neutral","sentiment_score":0.12469346821308136},{"text":"As long as you print it, and it does have to be witnessed as well by two people, and it can't be who you nominate.","start":718.255,"end":724.51495,"sentiment":"neutral","sentiment_score":0.040061923328321425},{"text":"And just make sure they do it kind of at the same time with the same pen because the insurance and supercom can get be funny if it's, like, one is a black pen and one is a blue pen.","start":726.76,"end":734.92,"sentiment":"neutral","sentiment_score":-0.12288323217071592}],"sentiment":"neutral","sentiment_score":-0.011100188085240208,"num_words":81,"start":714.095,"end":734.92},{"sentences":[{"text":"So get a bit of pathetic with those.","start":734.92,"end":737.175,"sentiment":"negative","sentiment_score":-0.5957994349300861},{"text":"So our pre fill is nonlapsing.","start":737.975,"end":739.355,"sentiment":"neutral","sentiment_score":-0.09767569058264296},{"text":"And did you say you guys wanted to nominate each other?","start":739.415,"end":741.83496,"sentiment":"neutral","sentiment_score":0.021910518577153034},{"text":"Yep.","start":743.175,"end":743.675,"sentiment":"neutral","sentiment_score":0.149640291929245},{"text":"Now the good thing with nominating spouses is that it is completely tax free.","start":744.295,"end":748.135,"sentiment":"positive","sentiment_score":0.44126887193747927}],"sentiment":"neutral","sentiment_score":0.030399264511652292,"num_words":40,"start":734.92,"end":748.135},{"sentences":[{"text":"So if something were to happen to either of you, the other one will receive the benefits completely tax free.","start":748.135,"end":753.47003,"sentiment":"positive","sentiment_score":0.4025113880634308},{"text":"It was a bit a little bit different when it comes to children at different ages, but if it goes to both of you, then it will be tax free.","start":753.47003,"end":761.09,"sentiment":"neutral","sentiment_score":0.19632901549339293},{"text":"Now the other nomination is if you wanted a binding or nonbinding.","start":761.71,"end":766.53,"sentiment":"neutral","sentiment_score":0.1038361294195056},{"text":"So, basically, binding means that the trustee, so Superfund and the insurance, are bound to follow your wishes.","start":767.69495,"end":773.855,"sentiment":"neutral","sentiment_score":0.15962920172346962},{"text":"So that gives you the most amount of certainty.","start":773.855,"end":775.63495,"sentiment":"neutral","sentiment_score":0.20472809672355652}],"sentiment":"neutral","sentiment_score":0.2236180930408869,"num_words":89,"start":748.135,"end":775.63495},{"sentences":[{"text":"The nonbinding is basically saying this is what I want to have happened, but then it's ultimately up to their discretion if they feel like there's someone else that has a higher claim to it.","start":776.815,"end":786.94,"sentiment":"neutral","sentiment_score":0.04258379276309695},{"text":"Which one would you guys prefer?","start":787.32,"end":788.86,"sentiment":"neutral","sentiment_score":0.022983085984985035},{"text":"It's more sort of giving Andrew peace of mind if something would happen.","start":792.76,"end":797.34,"sentiment":"neutral","sentiment_score":0.17020597767371398},{"text":"Yeah.","start":804.46497,"end":804.96497,"sentiment":"neutral","sentiment_score":-0.16135582327842712},{"text":"Yep.","start":809.105,"end":809.605,"sentiment":"neutral","sentiment_score":-0.012089641764760016}],"sentiment":"neutral","sentiment_score":0.0654922054880964,"num_words":56,"start":776.815,"end":809.605},{"sentences":[{"text":"Yeah.","start":809.82495,"end":810.32495,"sentiment":"neutral","sentiment_score":-0.006846744567155838},{"text":"Yeah.","start":814.9,"end":815.4,"sentiment":"neutral","sentiment_score":-0.09363877028226852},{"text":"No.","start":816.26,"end":816.76,"sentiment":"neutral","sentiment_score":-0.21085457503795624},{"text":"So it yeah.","start":818.34,"end":819.30005,"sentiment":"neutral","sentiment_score":0.02123917266726494},{"text":"It it's more so because binding means that it will definitely go to him.","start":819.30005,"end":822.82,"sentiment":"neutral","sentiment_score":0.13537970052233764}],"sentiment":"neutral","sentiment_score":0.08238466177135706,"num_words":20,"start":809.82495,"end":822.82},{"sentences":[{"text":"So the only it's, like, if there are any previous partners, if there's families that kinda come and make a claim and say that they have a big mistake for it, like, those kind of situations.","start":822.82,"end":836.445,"sentiment":"neutral","sentiment_score":-0.13803829620074895},{"text":"So by completing it as a binding, it means that it will go to Andrew and vice versa.","start":837.23004,"end":842.43005,"sentiment":"neutral","sentiment_score":0.08537950532303916},{"text":"And then he could do whatever he wants with it, but it just gives you the certainty of who he's going through.","start":842.43005,"end":847.33,"sentiment":"neutral","sentiment_score":-0.038170407018200916},{"text":"Let's do the binding?","start":848.43005,"end":849.39,"sentiment":"neutral","sentiment_score":0.016955537721514702},{"text":"Alright.","start":849.39,"end":849.79004,"sentiment":"neutral","sentiment_score":0.1623314619064331}],"sentiment":"neutral","sentiment_score":-0.049902998876792413,"num_words":81,"start":822.82,"end":849.79004},{"sentences":[{"text":"Perfect.","start":849.79004,"end":850.29004,"sentiment":"neutral","sentiment_score":0.3179510533809662},{"text":"Is that same for you, Andrew?","start":850.51,"end":851.89,"sentiment":"neutral","sentiment_score":0.08746523037552834},{"text":"Yeah.","start":853.175,"end":853.675,"sentiment":"neutral","sentiment_score":-0.0363275483250618},{"text":"And that's and we don't want any and that's, like, the last thing you want.","start":854.055,"end":859.495,"sentiment":"negative","sentiment_score":-0.35722157955169676},{"text":"And, unfortunately, money does bring out the worst in people.","start":859.495,"end":862.47504,"sentiment":"negative","sentiment_score":-0.5202722460031509}],"sentiment":"neutral","sentiment_score":-0.29559488684842083,"num_words":33,"start":849.79004,"end":862.47504},{"sentences":[{"text":"Mhmm.","start":863.495,"end":863.995,"sentiment":"neutral","sentiment_score":-0.14020046591758728},{"text":"Yeah.","start":866.55005,"end":867.05005,"sentiment":"neutral","sentiment_score":-0.11408954858779909},{"text":"No.","start":867.75,"end":867.99005,"sentiment":"neutral","sentiment_score":-0.07443418353796005},{"text":"And you're better have the the the the peace of mind.","start":867.99005,"end":870.39,"sentiment":"neutral","sentiment_score":0.23826302181590686},{"text":"So I'll complete that for you both, and I will get the team through email that to you, Hailey.","start":870.39,"end":875.85004,"sentiment":"neutral","sentiment_score":0.2400639472823394}],"sentiment":"neutral","sentiment_score":0.2076783042513963,"num_words":33,"start":863.495,"end":875.85004},{"sentences":[{"text":"Then, obviously, when you have a moment, just print it, scan it, and send it back, and we'll get that all sorted for you.","start":876.47003,"end":883.57495,"sentiment":"neutral","sentiment_score":0.1358976298943162},{"text":"Correct.","start":886.915,"end":887.39496,"sentiment":"neutral","sentiment_score":0.026859762147068977},{"text":"Yes.","start":887.39496,"end":887.795,"sentiment":"neutral","sentiment_score":0.052342310547828674},{"text":"So as long as long as you completed, like you sign it correctly, so don't do, like, last year's date because sometimes people are still in the habit of doing 2025, and then it comes back and insurance will not validated.","start":887.795,"end":899.46,"sentiment":"neutral","sentiment_score":0.06074819604798061},{"text":"And you as long as you don't witness each other.","start":900.0,"end":902.16003,"sentiment":"neutral","sentiment_score":0.0700616080313921}],"sentiment":"neutral","sentiment_score":0.0848316533563586,"num_words":77,"start":876.47003,"end":902.16003},{"sentences":[{"text":"So as long as you completed correctly, in terms of the witness, you only have to do it once.","start":902.16003,"end":907.125,"sentiment":"neutral","sentiment_score":0.14007893008621117},{"text":"So the good thing is that then it stays in place until either of you decide that you would like to change it.","start":907.205,"end":912.425,"sentiment":"positive","sentiment_score":0.3839901970780414},{"text":"So then you don't have to worry about it 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I definitely get that.","start":1008.33496,"end":1009.95496,"sentiment":"negative","sentiment_score":-0.36578086018562317},{"text":"Yep.","start":1018.01495,"end":1018.51495,"sentiment":"neutral","sentiment_score":-0.3300060033798218},{"text":"Well yeah.","start":1022.02997,"end":1023.25,"sentiment":"neutral","sentiment_score":-0.32695404440164566},{"text":"And do you guys have, like, a budget or anything that you follow?","start":1024.19,"end":1030.69,"sentiment":"neutral","sentiment_score":-0.029392354620190766},{"text":"Or is it is that like, do you guys need any assistance when it comes to cash flow and budget management, or is it mainly just expenses are so 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it's such a long wait time.","start":1204.03,"end":1207.8099,"sentiment":"negative","sentiment_score":-0.6780717025200526},{"text":"Yeah.","start":1220.26,"end":1220.76,"sentiment":"neutral","sentiment_score":-0.06322188675403595},{"text":"And I have so many friends who are in the same situation.","start":1220.98,"end":1223.54,"sentiment":"neutral","sentiment_score":-0.06046999183793863}],"sentiment":"neutral","sentiment_score":-0.20858383923768997,"num_words":42,"start":1174.3999,"end":1223.54},{"sentences":[{"text":"It's like, well, what is the point of me going to work if I'm earning less than I'm paying for in childcare?","start":1223.54,"end":1231.0,"sentiment":"neutral","sentiment_score":-0.15020396662029353},{"text":"Oh, I'll just how was that 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that will free up a little bit of that cash flow as well, which would would assist.","start":1389.425,"end":1394.9651,"sentiment":"neutral","sentiment_score":0.26217788126733566},{"text":"Oh, it's always that way.","start":1398.71,"end":1400.17,"sentiment":"neutral","sentiment_score":0.028817464224994184}],"sentiment":"neutral","sentiment_score":0.20298418370433724,"num_words":26,"start":1378.37,"end":1400.17},{"sentences":[{"text":"Oh, yeah.","start":1411.525,"end":1411.845,"sentiment":"neutral","sentiment_score":0.022331292741000652},{"text":"Because you have removalists, and then you have bond cleaners and potential carpet cleaning and everything.","start":1411.845,"end":1417.545,"sentiment":"neutral","sentiment_score":0.022504030144773424},{"text":"Yeah.","start":1421.62,"end":1421.9401,"sentiment":"neutral","sentiment_score":0.025952447205781937},{"text":"Because you normally have to pay less four 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worse.","start":1472.9501,"end":1473.77,"sentiment":"neutral","sentiment_score":-0.13897254690527916}],"sentiment":"neutral","sentiment_score":-0.07336053252220154,"num_words":32,"start":1460.125,"end":1473.77},{"sentences":[{"text":"Well yeah.","start":1474.79,"end":1475.43,"sentiment":"neutral","sentiment_score":-0.016235116869211197},{"text":"Well, that's good.","start":1475.43,"end":1476.23,"sentiment":"neutral","sentiment_score":0.2063540369272232},{"text":"And, yeah, I'll send you the cash flow budget anyway.","start":1476.23,"end":1478.41,"sentiment":"neutral","sentiment_score":0.12921987995505332},{"text":"If it is something you guys at any one point in time want to have a look at, I always tell everyone it is good just to even if you don't do not want to make any changes or anything, it is usually good just to see where things are at.","start":1478.55,"end":1493.405,"sentiment":"neutral","sentiment_score":0.08657417146890771},{"text":"And sometimes it is, like, surprising.","start":1493.7051,"end":1495.305,"sentiment":"neutral","sentiment_score":0.05440146786471208}],"sentiment":"neutral","sentiment_score":0.09195114206522703,"num_words":72,"start":1474.79,"end":1495.305},{"sentences":[{"text":"It's like, oh, well, maybe we can cut a little bit hair or change a little bit hair or you know?","start":1495.305,"end":1500.105,"sentiment":"neutral","sentiment_score":0.0798574434149833},{"text":"It it is usually just, like, a good kind of setting point to see.","start":1500.105,"end":1505.36,"sentiment":"neutral","sentiment_score":0.1387033204415015},{"text":"So and then also you can see, okay.","start":1505.36,"end":1507.12,"sentiment":"neutral","sentiment_score":0.022854711394757032},{"text":"Well, once we have the car fixed, we don't have that anymore.","start":1507.12,"end":1510.48,"sentiment":"neutral","sentiment_score":-0.02965296773860852},{"text":"That frees up this, and you can kind of you know, it is a bit of a process, but I'll send you the spreadsheet anyway.","start":1510.48,"end":1515.36,"sentiment":"neutral","sentiment_score":0.056529732197523115}],"sentiment":"neutral","sentiment_score":0.06073872726410627,"num_words":80,"start":1495.305,"end":1515.36},{"sentences":[{"text":"You'll have it in your inbox.","start":1515.36,"end":1516.74,"sentiment":"neutral","sentiment_score":0.1292510305841764},{"text":"If you have any questions or need assistance completing it at any way, just let me know.","start":1517.105,"end":1521.285,"sentiment":"neutral","sentiment_score":0.0850451652179746},{"text":"But, otherwise, it it is a helpful tool, but it does take a little bit to just kind of go through.","start":1521.745,"end":1526.145,"sentiment":"neutral","sentiment_score":0.12798499103103364},{"text":"So, obviously, take your time and just let me know if you do have any questions.","start":1526.145,"end":1530.245,"sentiment":"neutral","sentiment_score":0.12998708011582494},{"text":"Perfect.","start":1532.8899,"end":1533.21,"sentiment":"positive","sentiment_score":0.5560024976730347}],"sentiment":"neutral","sentiment_score":0.12368450136702569,"num_words":61,"start":1515.36,"end":1533.21},{"sentences":[{"text":"Is there anything else that's changed for either of you otherwise?","start":1533.21,"end":1535.71,"sentiment":"neutral","sentiment_score":0.15041092444549908},{"text":"No.","start":1537.69,"end":1538.19,"sentiment":"neutral","sentiment_score":-0.06735169887542725},{"text":"Perfect.","start":1538.4099,"end":1538.9099,"sentiment":"positive","sentiment_score":0.34041187167167664},{"text":"It would be nice if I do it, Paige.","start":1541.9299,"end":1543.87,"sentiment":"neutral","sentiment_score":0.1290650169054667},{"text":"Oh, is that tonight?","start":1544.25,"end":1545.3899,"sentiment":"neutral","sentiment_score":0.032836959697306156}],"sentiment":"neutral","sentiment_score":0.12386589740904477,"num_words":26,"start":1533.21,"end":1545.3899},{"sentences":[{"text":"Well, hopefully, I get a call from you guys in the next couple of days and say, guess what?","start":1547.355,"end":1552.5751,"sentiment":"neutral","sentiment_score":0.021102974093274066},{"text":"Yeah.","start":1555.115,"end":1555.615,"sentiment":"neutral","sentiment_score":0.01326807215809822},{"text":"We have all this money and what are we gonna do?","start":1555.755,"end":1558.175,"sentiment":"neutral","sentiment_score":0.009694580581377853},{"text":"Well, I have my fingers crossed.","start":1560.235,"end":1561.83,"sentiment":"neutral","sentiment_score":-0.006498992443084717},{"text":"But, Connor, I'm talking about superannuation.","start":1562.39,"end":1564.49,"sentiment":"neutral","sentiment_score":0.00939218676649034}],"sentiment":"neutral","sentiment_score":0.012516840285253386,"num_words":43,"start":1547.355,"end":1564.49},{"sentences":[{"text":"So what I will do next is just to run through a bit of an updated risk profile questionnaire with you both just to see if your risk tolerance or anything has changed.","start":1566.39,"end":1576.895,"sentiment":"neutral","sentiment_score":0.020347215122345722},{"text":"Just multiple choice to make it nice and easy.","start":1577.915,"end":1580.155,"sentiment":"neutral","sentiment_score":0.27124615675873226},{"text":"There's no right or wrong answer.","start":1580.155,"end":1581.675,"sentiment":"neutral","sentiment_score":-0.019486375773946445},{"text":"You can say different answers as well.","start":1581.675,"end":1583.6951,"sentiment":"neutral","sentiment_score":-0.0025547295808792114},{"text":"But think about them in regards to your super.","start":1584.155,"end":1586.9551,"sentiment":"neutral","sentiment_score":-0.007326085327400101}],"sentiment":"neutral","sentiment_score":0.045499021565774456,"num_words":64,"start":1566.39,"end":1586.9551},{"sentences":[{"text":"So at the moment, under current legislation, you can't access super until 60.","start":1586.9551,"end":1591.055,"sentiment":"neutral","sentiment_score":-0.03655187370112309},{"text":"If you stop working, so obviously a bit more of that long term plan.","start":1591.74,"end":1596.08,"sentiment":"neutral","sentiment_score":-0.04682317070130791},{"text":"So have either of you bought direct shares yourself?","start":1596.3,"end":1600.72,"sentiment":"neutral","sentiment_score":-0.007262222158412139},{"text":"Nope.","start":1602.86,"end":1603.36,"sentiment":"neutral","sentiment_score":-0.2606791853904724},{"text":"Yeah.","start":1607.435,"end":1607.915,"sentiment":"neutral","sentiment_score":-0.04441835358738899}],"sentiment":"neutral","sentiment_score":-0.03950411279832846,"num_words":38,"start":1586.9551,"end":1607.915},{"sentences":[{"text":"No.","start":1607.915,"end":1608.235,"sentiment":"neutral","sentiment_score":-0.07775406539440155},{"text":"That's all good.","start":1608.235,"end":1609.375,"sentiment":"neutral","sentiment_score":0.06897842387358348},{"text":"And are you both I have you down here.","start":1610.395,"end":1613.035,"sentiment":"neutral","sentiment_score":0.021404245868325233},{"text":"Are both of you would like to work a bit longer until age 67?","start":1613.035,"end":1616.735,"sentiment":"neutral","sentiment_score":-0.006654633541724512},{"text":"Is that still the plan?","start":1616.795,"end":1618.79,"sentiment":"neutral","sentiment_score":0.0612312912940979}],"sentiment":"neutral","sentiment_score":0.016712843935238197,"num_words":32,"start":1607.915,"end":1618.79},{"sentences":[{"text":"Or if you could, would you want to mhmm.","start":1618.79,"end":1623.9299,"sentiment":"neutral","sentiment_score":-0.030086798179480765},{"text":"Mhmm.","start":1629.99,"end":1630.49,"sentiment":"neutral","sentiment_score":-0.2417009472846985},{"text":"Yeah.","start":1633.895,"end":1634.395,"sentiment":"neutral","sentiment_score":-0.040188878774642944},{"text":"Yep.","start":1634.6951,"end":1635.1951,"sentiment":"neutral","sentiment_score":0.01048254780471325},{"text":"Yep.","start":1649.99,"end":1650.49,"sentiment":"neutral","sentiment_score":-0.006415332667529583}],"sentiment":"neutral","sentiment_score":-0.04220029188749882,"num_words":13,"start":1618.79,"end":1650.49},{"sentences":[{"text":"Mhmm.","start":1653.35,"end":1653.85,"sentiment":"neutral","sentiment_score":0.0687670111656189},{"text":"Okay.","start":1654.07,"end":1654.57,"sentiment":"neutral","sentiment_score":0.12275927513837814},{"text":"And at 67, if you are eligible, then that's where you can also get a bit of age pension as well to assist.","start":1654.95,"end":1661.0549,"sentiment":"neutral","sentiment_score":0.2221434096927228},{"text":"Yeah.","start":1662.075,"end":1662.575,"sentiment":"neutral","sentiment_score":0.1912527084350586},{"text":"And I have here that an ideal income per week, so what both of you would like to draw from super when you do decide to retire is about $1,500 each.","start":1662.955,"end":1673.3,"sentiment":"neutral","sentiment_score":0.3314042807586731}],"sentiment":"neutral","sentiment_score":0.27658965124895696,"num_words":57,"start":1653.35,"end":1673.3},{"sentences":[{"text":"Do you think that would be sustainable?","start":1673.4401,"end":1676.42,"sentiment":"neutral","sentiment_score":0.2546340652874538},{"text":"Obviously, you don't know what cost and stuff are going to be like a week yet, or do you feel like you would need 3,000 combined?","start":1677.52,"end":1686.695,"sentiment":"neutral","sentiment_score":-0.06910860355800161},{"text":"Okay.","start":1693.715,"end":1694.215,"sentiment":"neutral","sentiment_score":-0.03851694613695145},{"text":"Okay.","start":1702.69,"end":1703.19,"sentiment":"neutral","sentiment_score":-0.027873435989022255},{"text":"Yep.","start":1708.37,"end":1708.87,"sentiment":"neutral","sentiment_score":0.005624215118587017}],"sentiment":"neutral","sentiment_score":-0.0020875389584236676,"num_words":36,"start":1673.4401,"end":1708.87},{"sentences":[{"text":"Yeah.","start":1710.865,"end":1711.365,"sentiment":"neutral","sentiment_score":0.09632568061351776},{"text":"Mhmm.","start":1715.905,"end":1715.985,"sentiment":"neutral","sentiment_score":0.05623221397399902},{"text":"Yep.","start":1715.985,"end":1716.485,"sentiment":"neutral","sentiment_score":0.05733773112297058},{"text":"Yep.","start":1720.785,"end":1721.285,"sentiment":"neutral","sentiment_score":0.06303153187036514},{"text":"Yeah.","start":1722.24,"end":1722.74,"sentiment":"neutral","sentiment_score":0.009420640766620636}],"sentiment":"neutral","sentiment_score":0.05646955966949463,"num_words":5,"start":1710.865,"end":1722.74},{"sentences":[{"text":"Yeah.","start":1727.04,"end":1727.54,"sentiment":"neutral","sentiment_score":-0.031543515622615814},{"text":"Mhmm.","start":1735.535,"end":1736.035,"sentiment":"neutral","sentiment_score":-0.07858754694461823},{"text":"No.","start":1736.895,"end":1737.395,"sentiment":"neutral","sentiment_score":-0.1468963623046875},{"text":"So about a thousand each, would you say?","start":1738.895,"end":1741.0751,"sentiment":"neutral","sentiment_score":-0.02570145670324564},{"text":"Like, 2 thousand combined, roughly?","start":1741.535,"end":1743.475,"sentiment":"neutral","sentiment_score":-0.001961432211101055}],"sentiment":"neutral","sentiment_score":-0.029527889972086996,"num_words":16,"start":1727.04,"end":1743.475},{"sentences":[{"text":"Alright.","start":1743.615,"end":1744.115,"sentiment":"neutral","sentiment_score":0.05163505673408508},{"text":"Let's see.","start":1745.615,"end":1746.355,"sentiment":"neutral","sentiment_score":-0.00557445571757853},{"text":"Yes.","start":1749.6499,"end":1750.1499,"sentiment":"neutral","sentiment_score":0.1432587504386902},{"text":"Yep.","start":1751.8099,"end":1752.3099,"sentiment":"neutral","sentiment_score":0.2312546670436859},{"text":"Perfect.","start":1752.37,"end":1752.87,"sentiment":"positive","sentiment_score":0.49712073802948}],"sentiment":"neutral","sentiment_score":0.15202005013513067,"num_words":6,"start":1743.615,"end":1752.87},{"sentences":[{"text":"And when it comes through how much risk you guys are comfortable taking for your superannuation, Would you say that you are comfortable taking very high risk, high moderate, or a small amount of risk for your superannuation?","start":1754.21,"end":1771.255,"sentiment":"neutral","sentiment_score":-0.02423188810873973},{"text":"Mhmm.","start":1774.53,"end":1775.03,"sentiment":"neutral","sentiment_score":-0.09701608866453172},{"text":"Mhmm.","start":1777.73,"end":1778.23,"sentiment":"neutral","sentiment_score":-0.11445454508066176},{"text":"Okay.","start":1780.61,"end":1781.11,"sentiment":"neutral","sentiment_score":-0.1195146143436432},{"text":"Mhmm.","start":1789.665,"end":1789.985,"sentiment":"neutral","sentiment_score":-0.05310628190636635}],"sentiment":"neutral","sentiment_score":-0.03106912566969792,"num_words":42,"start":1754.21,"end":1789.985},{"sentences":[{"text":"Okay.","start":1789.985,"end":1790.485,"sentiment":"neutral","sentiment_score":-0.03828158229589462},{"text":"Okay.","start":1798.3201,"end":1798.8201,"sentiment":"neutral","sentiment_score":0.018237393349409103},{"text":"A medium?","start":1808.16,"end":1808.8201,"sentiment":"neutral","sentiment_score":0.01921334769576788},{"text":"Medium?","start":1809.315,"end":1809.7949,"sentiment":"neutral","sentiment_score":0.018802694976329803},{"text":"Okay.","start":1809.7949,"end":1810.2749,"sentiment":"neutral","sentiment_score":0.1789373755455017}],"sentiment":"neutral","sentiment_score":0.03602042949448029,"num_words":6,"start":1789.985,"end":1810.2749},{"sentences":[{"text":"Perfect.","start":1810.2749,"end":1810.7749,"sentiment":"neutral","sentiment_score":0.3017779588699341},{"text":"Now when it comes to fluctuations, so how would you feel if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market, so not like one investment that's gone bad, just kind of general market trends, would you say that you would try to take advantage if you had the option to do so by thinking that, well, now prices are down is a good time to put more in, or would you just kind of be a bit neutral, hold, and wait to see what happens?","start":1813.1549,"end":1852.485,"sentiment":"neutral","sentiment_score":-0.08012443411986804},{"text":"Or would you be a bit more nervous and think, okay.","start":1853.3099,"end":1855.7899,"sentiment":"neutral","sentiment_score":-0.28526182201775635},{"text":"Well, I should sell them and shift to a more secure asset, but that means you are then selling or the prices have already dropped?","start":1855.7899,"end":1863.1699,"sentiment":"neutral","sentiment_score":-0.10462643027305603},{"text":"Let it sit.","start":1868.765,"end":1869.585,"sentiment":"neutral","sentiment_score":-0.008449928214152655}],"sentiment":"neutral","sentiment_score":-0.09601349188210247,"num_words":143,"start":1810.2749,"end":1869.585},{"sentences":[{"text":"Yeah.","start":1870.205,"end":1870.705,"sentiment":"neutral","sentiment_score":0.015043599531054497},{"text":"Take it from there.","start":1870.845,"end":1871.825,"sentiment":"neutral","sentiment_score":0.008180754259228706},{"text":"Then make a change.","start":1875.645,"end":1876.7849,"sentiment":"neutral","sentiment_score":-0.04442169424146414},{"text":"Yes.","start":1878.78,"end":1879.28,"sentiment":"neutral","sentiment_score":0.04020138084888458},{"text":"Yeah.","start":1879.5,"end":1880.0,"sentiment":"neutral","sentiment_score":0.030011801049113274}],"sentiment":"neutral","sentiment_score":-0.0054279071363535795,"num_words":11,"start":1870.205,"end":1880.0},{"sentences":[{"text":"Yeah.","start":1888.54,"end":1889.04,"sentiment":"neutral","sentiment_score":-0.0029646269977092743},{"text":"Yeah.","start":1890.125,"end":1890.625,"sentiment":"neutral","sentiment_score":0.04770810157060623},{"text":"Yeah.","start":1891.005,"end":1891.505,"sentiment":"neutral","sentiment_score":0.09448887407779694},{"text":"Alright.","start":1891.565,"end":1892.0449,"sentiment":"neutral","sentiment_score":0.28249818086624146},{"text":"Perfect.","start":1892.0449,"end":1892.5449,"sentiment":"positive","sentiment_score":0.480785608291626}],"sentiment":"neutral","sentiment_score":0.18050322756171228,"num_words":5,"start":1888.54,"end":1892.5449},{"sentences":[{"text":"So, obviously, depending on the situation, they'd be somewhere in the middle.","start":1893.085,"end":1897.1849,"sentiment":"neutral","sentiment_score":0.2092769257724285},{"text":"Yep.","start":1898.7649,"end":1899.2649,"sentiment":"neutral","sentiment_score":0.22429293394088745},{"text":"Perfect.","start":1900.445,"end":1900.945,"sentiment":"positive","sentiment_score":0.390702486038208},{"text":"Now the next one is, again, in regards to fluctuation.","start":1901.4049,"end":1904.945,"sentiment":"neutral","sentiment_score":0.07284602820873261},{"text":"So if you ever saw fluctuations in any investments, would you say that you would feel optimistic about potential future opportunity?","start":1906.11,"end":1915.41,"sentiment":"neutral","sentiment_score":0.13446499602425666}],"sentiment":"neutral","sentiment_score":0.14841208284099897,"num_words":45,"start":1893.085,"end":1915.41},{"sentences":[{"text":"A bit more kind of cautious, not making further investments, or would you say that you would be quite concerned and anxious?","start":1917.39,"end":1925.935,"sentiment":"neutral","sentiment_score":-0.2757371643727476},{"text":"Mhmm.","start":1936.25,"end":1936.75,"sentiment":"neutral","sentiment_score":-0.026140812784433365},{"text":"So somewhere kind of a bit more neutral, like, maybe not put more in, but just not be super concerned either as long as it doesn't continue for a long period of time?","start":1936.81,"end":1945.23,"sentiment":"neutral","sentiment_score":-0.05422400242903016},{"text":"Yes.","start":1945.245,"end":1945.745,"sentiment":"neutral","sentiment_score":-0.011030902154743671},{"text":"Yes.","start":1951.2524,"end":1951.7524,"sentiment":"neutral","sentiment_score":-0.024049188941717148}],"sentiment":"neutral","sentiment_score":-0.13649707931447133,"num_words":58,"start":1917.39,"end":1951.7524},{"sentences":[{"text":"Yes.","start":1957.26,"end":1957.76,"sentiment":"neutral","sentiment_score":-0.006171884015202522},{"text":"Yep.","start":1964.54,"end":1965.04,"sentiment":"neutral","sentiment_score":0.001500265090726316},{"text":"No.","start":1965.1,"end":1965.58,"sentiment":"neutral","sentiment_score":0.02477855607867241},{"text":"Perfect.","start":1965.58,"end":1966.08,"sentiment":"neutral","sentiment_score":0.19375135004520416},{"text":"And last one here is in regards to borrowing money.","start":1966.78,"end":1970.06,"sentiment":"neutral","sentiment_score":0.04389182347804308}],"sentiment":"neutral","sentiment_score":0.0466268944271308,"num_words":14,"start":1957.26,"end":1970.06},{"sentences":[{"text":"So would you guys ever want to take out a loan to invest in stocks or funds?","start":1970.06,"end":1977.255,"sentiment":"neutral","sentiment_score":0.02921567123164149},{"text":"Mhmm.","start":1991.97,"end":1992.47,"sentiment":"negative","sentiment_score":-0.34596002101898193},{"text":"Yep.","start":2002.865,"end":2003.185,"sentiment":"neutral","sentiment_score":0.01897004432976246},{"text":"Yep.","start":2003.185,"end":2003.685,"sentiment":"neutral","sentiment_score":0.014323530718684196},{"text":"Okay.","start":2015.04,"end":2015.54,"sentiment":"neutral","sentiment_score":0.048097558319568634}],"sentiment":"neutral","sentiment_score":0.011052263013663747,"num_words":21,"start":1970.06,"end":2015.54},{"sentences":[{"text":"Yep.","start":2015.92,"end":2016.42,"sentiment":"neutral","sentiment_score":-0.006242014467716217},{"text":"Okay.","start":2022.7351,"end":2023.2351,"sentiment":"neutral","sentiment_score":0.06547889113426208},{"text":"So if, hypothetically speaking, you had the option to do so and there was a good investment, you would be open to maybe borrowing money to invest if the option was good.","start":2024.495,"end":2037.99,"sentiment":"neutral","sentiment_score":0.20931683504022658},{"text":"Is that what I'm gauging?","start":2039.65,"end":2040.87,"sentiment":"neutral","sentiment_score":0.019238319667056202},{"text":"Yeah.","start":2041.73,"end":2042.23,"sentiment":"neutral","sentiment_score":0.004136830568313599}],"sentiment":"neutral","sentiment_score":0.17144260067143477,"num_words":40,"start":2015.92,"end":2042.23},{"sentences":[{"text":"Doesn't say you guys have to.","start":2043.33,"end":2044.61,"sentiment":"neutral","sentiment_score":-0.0331172002479434},{"text":"It's just in terms of gauging how how you feel.","start":2044.61,"end":2047.59,"sentiment":"neutral","sentiment_score":-0.0039575515314936634},{"text":"Yeah.","start":2047.73,"end":2048.23,"sentiment":"neutral","sentiment_score":0.16427573561668396},{"text":"Yep.","start":2051.835,"end":2052.335,"sentiment":"neutral","sentiment_score":0.07214044034481049},{"text":"Okay.","start":2052.395,"end":2052.895,"sentiment":"neutral","sentiment_score":0.17948898673057556}],"sentiment":"neutral","sentiment_score":0.00934876030997226,"num_words":19,"start":2043.33,"end":2052.895},{"sentences":[{"text":"Perfect.","start":2052.955,"end":2053.455,"sentiment":"neutral","sentiment_score":0.23549821972846985},{"text":"And some of this is tricky as well because everyone's like, oh, it depends on the situation, and that is 100% true.","start":2053.5151,"end":2058.095,"sentiment":"neutral","sentiment_score":-0.11840177598324689},{"text":"It is mainly for me to gauge how you guys would behave and act in a certain situation to match that within time frames and other things to see if it is an appropriate level of risk we have for you.","start":2058.155,"end":2072.59,"sentiment":"neutral","sentiment_score":-0.10703601324703635},{"text":"Sorry.","start":2072.81,"end":2073.29,"sentiment":"neutral","sentiment_score":-0.1256833374500275},{"text":"Some of them can be a bit tricky, but, essentially yeah.","start":2073.29,"end":2082.205,"sentiment":"neutral","sentiment_score":-0.15212905610149557}],"sentiment":"neutral","sentiment_score":-0.11259105723155172,"num_words":76,"start":2052.955,"end":2082.205},{"sentences":[{"text":"Mhmm.","start":2095.56,"end":2096.06,"sentiment":"neutral","sentiment_score":-0.03392898291349411},{"text":"Yep.","start":2096.6,"end":2096.85,"sentiment":"neutral","sentiment_score":0.00022248241293709725},{"text":"Yes.","start":2096.85,"end":2097.35,"sentiment":"neutral","sentiment_score":0.061739057302474976},{"text":"Yeah.","start":2110.855,"end":2111.355,"sentiment":"neutral","sentiment_score":-0.03102540783584118},{"text":"Yeah.","start":2111.655,"end":2112.155,"sentiment":"neutral","sentiment_score":-0.14398565888404846}],"sentiment":"neutral","sentiment_score":-0.029395701983594334,"num_words":5,"start":2095.56,"end":2112.155},{"sentences":[{"text":"Yep.","start":2117.43,"end":2117.93,"sentiment":"neutral","sentiment_score":-0.05358460173010826},{"text":"Mhmm.","start":2126.405,"end":2126.905,"sentiment":"neutral","sentiment_score":-0.17011776566505432},{"text":"Okay.","start":2127.925,"end":2128.425,"sentiment":"neutral","sentiment_score":-0.15077118575572968},{"text":"Yep.","start":2129.925,"end":2130.425,"sentiment":"neutral","sentiment_score":-0.15802934765815735},{"text":"Yep.","start":2132.085,"end":2132.585,"sentiment":"neutral","sentiment_score":-0.0786307156085968}],"sentiment":"neutral","sentiment_score":-0.12222672328352928,"num_words":5,"start":2117.43,"end":2132.585},{"sentences":[{"text":"Very nice.","start":2135.445,"end":2136.185,"sentiment":"positive","sentiment_score":0.4213012456893921},{"text":"Yes.","start":2137.14,"end":2137.64,"sentiment":"neutral","sentiment_score":-0.0331089161336422},{"text":"Mhmm.","start":2140.02,"end":2140.52,"sentiment":"neutral","sentiment_score":-0.05973946303129196},{"text":"Yep.","start":2142.02,"end":2142.52,"sentiment":"neutral","sentiment_score":-0.01304301619529724},{"text":"Things are always changing.","start":2142.5798,"end":2143.7998,"sentiment":"neutral","sentiment_score":-0.10393920540809631}],"sentiment":"neutral","sentiment_score":0.035661586042907506,"num_words":9,"start":2135.445,"end":2143.7998},{"sentences":[{"text":"Mhmm.","start":2144.18,"end":2144.68,"sentiment":"neutral","sentiment_score":-0.0743635818362236},{"text":"Yes.","start":2147.2998,"end":2147.7998,"sentiment":"neutral","sentiment_score":0.2527598738670349},{"text":"And that's why the under reviews are so good as well.","start":2147.8599,"end":2150.26,"sentiment":"positive","sentiment_score":0.4036863310770555},{"text":"So it is a bit of a checking point to see because things are always changing, and the advice and stuff are never set in stone.","start":2150.26,"end":2156.945,"sentiment":"neutral","sentiment_score":0.022256916818710473},{"text":"It is things that's always ever evolving and changing.","start":2157.245,"end":2160.065,"sentiment":"neutral","sentiment_score":-0.008668287760681577}],"sentiment":"neutral","sentiment_score":0.10665856627747416,"num_words":48,"start":2144.18,"end":2160.065},{"sentences":[{"text":"I mean, the market's always changing.","start":2160.125,"end":2161.985,"sentiment":"neutral","sentiment_score":-0.02099781669676304},{"text":"Investment's always changing.","start":2162.0452,"end":2163.585,"sentiment":"neutral","sentiment_score":-0.02604530130823453},{"text":"Your life situation is changing.","start":2164.26,"end":2166.02,"sentiment":"neutral","sentiment_score":-0.04057155326008797},{"text":"How much insurance you need is always changing.","start":2166.02,"end":2168.2,"sentiment":"neutral","sentiment_score":-0.06434563687071204},{"text":"So it is one of those things that it is good to assess just to make sure it's appropriate for where you guys are at at the time.","start":2168.74,"end":2175.6401,"sentiment":"neutral","sentiment_score":0.01716917267601405}],"sentiment":"neutral","sentiment_score":-0.008820176608860492,"num_words":50,"start":2160.125,"end":2175.6401},{"sentences":[{"text":"Yep.","start":2176.185,"end":2176.685,"sentiment":"neutral","sentiment_score":0.004234659485518932},{"text":"So and, also, as well, it's like, well, a lot of the time, people are like, well, at the moment, I can't access it until I turn 60.","start":2177.065,"end":2183.725,"sentiment":"neutral","sentiment_score":-0.13299623051924364},{"text":"So, you know, that's over, you know, seventeen years away.","start":2184.0251,"end":2187.0051,"sentiment":"neutral","sentiment_score":-0.13640938177704812},{"text":"So I'm comfortable taking a bit of fluctuation because I can't do anything with it anyway.","start":2187.385,"end":2191.565,"sentiment":"neutral","sentiment_score":-0.06628104113042355},{"text":"And then the closer you get to retirement, it's like, okay.","start":2191.77,"end":2194.65,"sentiment":"neutral","sentiment_score":-0.056412491693415424}],"sentiment":"neutral","sentiment_score":-0.102496783023305,"num_words":66,"start":2176.185,"end":2194.65},{"sentences":[{"text":"Well, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money.","start":2194.65,"end":2202.27,"sentiment":"neutral","sentiment_score":-0.2981538202228217},{"text":"So it's like, usually, the closer you get to retirement, you then want to start at gradually reducing risk, typically.","start":2202.41,"end":2211.4148,"sentiment":"neutral","sentiment_score":-0.021668692585080862},{"text":"So both of you at the moment have come out in a growth portfolio in terms of your risk allocation, which is the portfolio we currently have you allocated through when it comes to risk.","start":2211.555,"end":2223.94,"sentiment":"neutral","sentiment_score":0.10873039747987474},{"text":"So do you guys remember what it means to be a growth investor?","start":2224.32,"end":2228.1,"sentiment":"neutral","sentiment_score":0.06888972509365815},{"text":"No?","start":2231.855,"end":2231.9348,"sentiment":"neutral","sentiment_score":-0.19079114496707916}],"sentiment":"neutral","sentiment_score":-0.04662750454201382,"num_words":98,"start":2194.65,"end":2231.9348},{"sentences":[{"text":"I'm sorry.","start":2231.9348,"end":2233.135,"sentiment":"neutral","sentiment_score":-0.148268923163414},{"text":"That's okay.","start":2233.135,"end":2233.9548,"sentiment":"neutral","sentiment_score":0.13837342709302902},{"text":"Yeah.","start":2236.335,"end":2236.835,"sentiment":"neutral","sentiment_score":0.24597257375717163},{"text":"So we in a great typical growth, we we would see investors who are looking at, you know, you you wanna get as much growth of your superannuation while you still have plenty of time.","start":2237.375,"end":2247.155,"sentiment":"neutral","sentiment_score":0.31410338027136664},{"text":"But also where you are comfortable seeing a bit of fluctuations in the short term in order to achieve that.","start":2247.94,"end":2254.44,"sentiment":"neutral","sentiment_score":0.2473680391907692}],"sentiment":"neutral","sentiment_score":0.26945267791549365,"num_words":60,"start":2231.9348,"end":2254.44},{"sentences":[{"text":"Now when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment?","start":2255.06,"end":2261.56,"sentiment":"neutral","sentiment_score":0.09027035016080608},{"text":"Because I sent you both an email, and it does make it a bit easier talking about this if you can access it.","start":2261.595,"end":2268.575,"sentiment":"neutral","sentiment_score":0.18593429190957028},{"text":"They are quite similar if you wanna just look on, like, one phone or something if it's easier.","start":2270.2349,"end":2275.435,"sentiment":"neutral","sentiment_score":0.1633906608654393},{"text":"It is slightly different some forms, but I can just talk that through, and then you can have a look at it after.","start":2275.435,"end":2281.23,"sentiment":"neutral","sentiment_score":0.08105790963315446},{"text":"Just let me know which account you're logging through just so I can mirror the forms.","start":2282.17,"end":2286.75,"sentiment":"neutral","sentiment_score":0.05628326674923301}],"sentiment":"neutral","sentiment_score":0.1170738141043383,"num_words":103,"start":2255.06,"end":2286.75},{"sentences":[{"text":"Send it to yours?","start":2287.53,"end":2288.51,"sentiment":"neutral","sentiment_score":0.01922737224958837},{"text":"Yep.","start":2290.095,"end":2290.415,"sentiment":"neutral","sentiment_score":0.08206255733966827},{"text":"So I have to send it through.","start":2290.415,"end":2292.335,"sentiment":"neutral","sentiment_score":0.06280483305454254},{"text":"So it should have come through about to about a 05:30.","start":2292.335,"end":2296.675,"sentiment":"neutral","sentiment_score":0.10655344379219142},{"text":"It could go to spam as well.","start":2297.855,"end":2299.795,"sentiment":"neutral","sentiment_score":-0.19619649648666382}],"sentiment":"neutral","sentiment_score":0.013243942800909281,"num_words":30,"start":2287.53,"end":2299.795},{"sentences":[{"text":"And we recently have changed the software, so it could very well have gone to spam if you didn't recognize it.","start":2310.91,"end":2316.885,"sentiment":"negative","sentiment_score":-0.4472845040616535},{"text":"Okay.","start":2330.0999,"end":2330.5798,"sentiment":"neutral","sentiment_score":-0.08122795075178146},{"text":"Let me have a look.","start":2330.5798,"end":2331.7998,"sentiment":"neutral","sentiment_score":0.0049164269119501116},{"text":"Did you receive it, Andrew?","start":2332.98,"end":2334.68,"sentiment":"neutral","sentiment_score":0.03356745950877667},{"text":"Let me triple check for you.","start":2345.155,"end":2346.935,"sentiment":"neutral","sentiment_score":0.025339300123353798}],"sentiment":"neutral","sentiment_score":-0.24025650797901968,"num_words":38,"start":2310.91,"end":2346.935},{"sentences":[{"text":"Haley_Patricia@Hotmail.com.","start":2349.635,"end":2351.955,"sentiment":"neutral","sentiment_score":0.02613973245024681},{"text":"Yes.","start":2351.955,"end":2352.455,"sentiment":"neutral","sentiment_score":0.057045698165893555},{"text":"Let me see here.","start":2356.53,"end":2357.5898,"sentiment":"neutral","sentiment_score":-0.10311649739742279},{"text":"It says it's missing on my end, but maybe I'll just try to resend it.","start":2359.25,"end":2362.71,"sentiment":"neutral","sentiment_score":-0.2385915219783783},{"text":"Yes.","start":2370.145,"end":2370.645,"sentiment":"neutral","sentiment_score":0.09194475412368774}],"sentiment":"neutral","sentiment_score":-0.17346402884206988,"num_words":22,"start":2349.635,"end":2370.645},{"sentences":[{"text":"Yep.","start":2371.825,"end":2372.145,"sentiment":"neutral","sentiment_score":0.10389932990074158},{"text":"That's the one.","start":2372.145,"end":2373.0452,"sentiment":"neutral","sentiment_score":0.1501820683479309},{"text":"Alright.","start":2374.0652,"end":2374.5452,"sentiment":"neutral","sentiment_score":0.19796553254127505},{"text":"So can we use yours for now, Andrew?","start":2374.5452,"end":2377.105,"sentiment":"neutral","sentiment_score":0.166055703535676},{"text":"And I will try to resend it to you, Hailey, and then just let me know if it came through.","start":2377.105,"end":2382.8398,"sentiment":"neutral","sentiment_score":0.15543904732912778}],"sentiment":"neutral","sentiment_score":0.15726174673799312,"num_words":33,"start":2371.825,"end":2382.8398},{"sentences":[{"text":"I'll just try to resend that.","start":2382.8398,"end":2384.54,"sentiment":"neutral","sentiment_score":0.07597803759078185},{"text":"Sometimes let me see how I'll just resend it.","start":2390.8398,"end":2393.5,"sentiment":"neutral","sentiment_score":-0.10728205740451813},{"text":"Sometimes at this time of the night too, it can be a little bit slower for some reason.","start":2395.445,"end":2399.7852,"sentiment":"neutral","sentiment_score":-0.14802814978692266},{"text":"But we can go through Andrews, and then let me know if you do receive the pay lead.","start":2401.445,"end":2407.29,"sentiment":"neutral","sentiment_score":0.023503730177051492},{"text":"Amazing.","start":2407.85,"end":2408.35,"sentiment":"positive","sentiment_score":0.4789410233497619}],"sentiment":"neutral","sentiment_score":-0.04369555424469022,"num_words":52,"start":2382.8398,"end":2408.35},{"sentences":[{"text":"Reset worked, not the first one.","start":2409.05,"end":2411.1501,"sentiment":"neutral","sentiment_score":0.15584737062454224},{"text":"But if we if we do, let's say, yours, Andrew, because it is pretty similar, if you can see one document that says the see, like I said, we have changed the software.","start":2411.93,"end":2424.4849,"sentiment":"neutral","sentiment_score":0.08921500131713622},{"text":"So now you don't you don't have to click on the link straight away to sign.","start":2424.4849,"end":2428.325,"sentiment":"neutral","sentiment_score":0.10136998747475445},{"text":"So before you click on the link, it will say, at the bottom of the email, can you see a couple of attachments?","start":2428.325,"end":2433.865,"sentiment":"neutral","sentiment_score":0.04760628363684467},{"text":"Yep.","start":2435.69,"end":2436.19,"sentiment":"neutral","sentiment_score":0.03178470581769943}],"sentiment":"neutral","sentiment_score":0.08389656071232844,"num_words":79,"start":2409.05,"end":2436.19},{"sentences":[{"text":"Yes.","start":2438.17,"end":2438.65,"sentiment":"neutral","sentiment_score":0.0847245454788208},{"text":"So if you can open the one that says 2025 Vanguard index chart for me.","start":2438.65,"end":2443.5498,"sentiment":"neutral","sentiment_score":0.04351156863073508},{"text":"Yep.","start":2448.185,"end":2448.685,"sentiment":"neutral","sentiment_score":0.046744197607040405},{"text":"Sorry.","start":2449.385,"end":2449.7852,"sentiment":"neutral","sentiment_score":-0.005683381110429764},{"text":"It can look a bit messy if you're looking on your your phone, but, essentially, it is a good visual representation of what we are talking about when we're talking about the market.","start":2449.7852,"end":2458.2852,"sentiment":"neutral","sentiment_score":0.11199439153300994}],"sentiment":"neutral","sentiment_score":0.08773085905932913,"num_words":51,"start":2438.17,"end":2458.2852},{"sentences":[{"text":"And Vanguard does publish these every year, which is good.","start":2458.745,"end":2462.1,"sentiment":"positive","sentiment_score":0.4772584825754166},{"text":"And it kind of shows you, like, a bigger picture, and it goes back from 1995 through to 2025.","start":2462.1802,"end":2468.82,"sentiment":"neutral","sentiment_score":0.24286913479629316},{"text":"And you can see all the kind of ups and downs of the market depending on the big events that's happened in the world.","start":2468.82,"end":2474.655,"sentiment":"neutral","sentiment_score":0.031877710949629545},{"text":"But, essentially, it shows us that the market always goes up in the long term.","start":2475.855,"end":2480.835,"sentiment":"neutral","sentiment_score":0.08168288841843604},{"text":"The short term, there will be ups and downs in different market fluctuations.","start":2481.135,"end":2484.7551,"sentiment":"neutral","sentiment_score":-0.012897807245071117}],"sentiment":"neutral","sentiment_score":0.13839179360204273,"num_words":81,"start":2458.745,"end":2484.7551},{"sentences":[{"text":"Now this one here also breaks down the different asset classes.","start":2486.0151,"end":2489.315,"sentiment":"neutral","sentiment_score":0.06852182237939401},{"text":"So when we go back to talking about your growth portfolio, we typically see 80% invested in what we call your growth assets.","start":2489.67,"end":2499.05,"sentiment":"neutral","sentiment_score":0.09033608566159787},{"text":"Now these are typically your top four.","start":2499.51,"end":2502.0898,"sentiment":"neutral","sentiment_score":0.11579404026269913},{"text":"So you have your US shares, Australian shares, international shares, and property, about 80%.","start":2502.195,"end":2508.595,"sentiment":"neutral","sentiment_score":0.10432568937540054},{"text":"So you can see that these are the ones that grow the most, but they also fluctuate the most.","start":2508.595,"end":2513.495,"sentiment":"neutral","sentiment_score":0.11736161320617325}],"sentiment":"neutral","sentiment_score":0.09908727838380917,"num_words":74,"start":2486.0151,"end":2513.495},{"sentences":[{"text":"And then you do have about 20% in the bottom three.","start":2515.0898,"end":2518.6099,"sentiment":"neutral","sentiment_score":0.07238258116624573},{"text":"So your defensive investments to try and limit fluctuations a little bit there for you, but still obviously trying to focus on growing your super.","start":2518.6099,"end":2527.99,"sentiment":"neutral","sentiment_score":0.07436823800206184},{"text":"Now when we are talking about a time frame as well, so making sure you have enough time in the market for those fluctuations.","start":2528.675,"end":2535.255,"sentiment":"neutral","sentiment_score":0.04439895460382104},{"text":"In a growth portfolio, we typically want to see at least six years until retirement.","start":2536.435,"end":2541.575,"sentiment":"neutral","sentiment_score":0.04910141875346501},{"text":"So making sure you have enough time for things to come back around.","start":2542.01,"end":2545.0698,"sentiment":"neutral","sentiment_score":0.07278054981277539}],"sentiment":"neutral","sentiment_score":0.06140520093454556,"num_words":88,"start":2515.0898,"end":2545.0698},{"sentences":[{"text":"So from a time frame point of view, if you definitely have that behind you, both of you, if you are happy with the level of, like, fluctuation and risk of a growth investor.","start":2545.53,"end":2556.91,"sentiment":"neutral","sentiment_score":0.06884709033457671},{"text":"Yep.","start":2558.895,"end":2559.375,"sentiment":"neutral","sentiment_score":0.08871057629585266},{"text":"You're both happy with that?","start":2559.375,"end":2560.7551,"sentiment":"neutral","sentiment_score":0.19081461131572724},{"text":"Yep.","start":2561.855,"end":2562.355,"sentiment":"neutral","sentiment_score":0.21140144765377045},{"text":"Great.","start":2562.495,"end":2562.995,"sentiment":"positive","sentiment_score":0.5392470359802246}],"sentiment":"neutral","sentiment_score":0.09843412352104981,"num_words":42,"start":2545.53,"end":2562.995},{"sentences":[{"text":"Perfect.","start":2563.0552,"end":2563.5552,"sentiment":"positive","sentiment_score":0.4627081751823426},{"text":"Now while we are in your email, you will both have a super and insurance summary.","start":2564.8152,"end":2574.28,"sentiment":"neutral","sentiment_score":0.1943381316959858},{"text":"But if you can see yours in front of you, Andrew, if you could open that one.","start":2574.5,"end":2578.36,"sentiment":"neutral","sentiment_score":0.08805010752642856},{"text":"Yep.","start":2581.46,"end":2581.96,"sentiment":"neutral","sentiment_score":0.012290543876588345},{"text":"Yep.","start":2593.2349,"end":2593.7349,"sentiment":"neutral","sentiment_score":0.02959097921848297}],"sentiment":"neutral","sentiment_score":0.14196810092673534,"num_words":36,"start":2563.0552,"end":2593.7349},{"sentences":[{"text":"Yep.","start":2599.25,"end":2599.6501,"sentiment":"neutral","sentiment_score":0.052101366221904755},{"text":"You can see that okay?","start":2599.6501,"end":2600.9502,"sentiment":"neutral","sentiment_score":0.06877647638320923},{"text":"Yep.","start":2602.21,"end":2602.6902,"sentiment":"neutral","sentiment_score":0.2055916488170624},{"text":"Perfect.","start":2602.6902,"end":2603.1702,"sentiment":"positive","sentiment_score":0.5998086929321289},{"text":"So this shows your situation, Andrew.","start":2603.1702,"end":2605.01,"sentiment":"neutral","sentiment_score":0.3318975816170375}],"sentiment":"neutral","sentiment_score":0.22805496997066907,"num_words":14,"start":2599.25,"end":2605.01},{"sentences":[{"text":"So you can see you have your super in Hub 24, and you do have $207,278 in there.","start":2605.01,"end":2614.1848,"sentiment":"neutral","sentiment_score":0.18757041957643297},{"text":"Now for you, Hailey, when you do have a look at your email oh, perfect.","start":2614.6448,"end":2619.865,"sentiment":"neutral","sentiment_score":0.09837617874145507},{"text":"So you will see about a 112,379.","start":2620.17,"end":2624.1099,"sentiment":"neutral","sentiment_score":0.12132168348346438},{"text":"Now for insurances.","start":2625.53,"end":2627.15,"sentiment":"neutral","sentiment_score":0.028822388499975204},{"text":"So, Andrew, you have insurances with Clearview.","start":2627.53,"end":2630.3499,"sentiment":"neutral","sentiment_score":0.06252729999167579}],"sentiment":"neutral","sentiment_score":0.12450640566647053,"num_words":50,"start":2605.01,"end":2630.3499},{"sentences":[{"text":"For life and TPD, you have 626,000 of 273.","start":2631.13,"end":2638.375,"sentiment":"neutral","sentiment_score":0.05848747119307518},{"text":"Are you still happy with that level of cover for life and TPD if something were to happen to you?","start":2639.075,"end":2645.175,"sentiment":"neutral","sentiment_score":0.07805545404553413},{"text":"Yep.","start":2646.435,"end":2646.915,"sentiment":"neutral","sentiment_score":0.2963235378265381},{"text":"Perfect.","start":2646.915,"end":2647.415,"sentiment":"positive","sentiment_score":0.5352118015289307},{"text":"And when it comes to income protection, you do have here that it will be paid out a monthly amount of $5,555 per month, and you do have a thirty day waiting period and a five year benefit period.","start":2648.22,"end":2670.125,"sentiment":"neutral","sentiment_score":0.20606601467499366}],"sentiment":"neutral","sentiment_score":0.15650866047612258,"num_words":70,"start":2631.13,"end":2670.125},{"sentences":[{"text":"Now all of that is paid from within superannuation, so you don't pay for anything out of pocket.","start":2670.5051,"end":2676.445,"sentiment":"neutral","sentiment_score":0.1612560815281338},{"text":"You do get a 15% tax rebate on the way this is structured.","start":2677.19,"end":2681.7698,"sentiment":"neutral","sentiment_score":0.27621256502775043},{"text":"So after that, it is 2,158.","start":2682.39,"end":2686.17,"sentiment":"neutral","sentiment_score":0.14870035399993262},{"text":"Are you still happy with the income protection and everything like that for you as well?","start":2687.91,"end":2692.41,"sentiment":"neutral","sentiment_score":0.2766430862247944},{"text":"Yep.","start":2694.105,"end":2694.5051,"sentiment":"neutral","sentiment_score":0.19961093366146088}],"sentiment":"neutral","sentiment_score":0.2224347268541654,"num_words":54,"start":2670.5051,"end":2694.5051},{"sentences":[{"text":"Perfect.","start":2694.5051,"end":2695.0051,"sentiment":"positive","sentiment_score":0.4876163601875305},{"text":"And for you, Hailey, you have life and TPD.","start":2695.625,"end":2699.805,"sentiment":"neutral","sentiment_score":0.1874039438035753},{"text":"With hub twenty four, that is 2 27239.","start":2701.065,"end":2706.605,"sentiment":"neutral","sentiment_score":0.13055118825286627},{"text":"Are you also happy with that level of cover for life and TPD?","start":2707.11,"end":2711.05,"sentiment":"neutral","sentiment_score":0.19379477088267988},{"text":"Yep.","start":2713.75,"end":2714.25,"sentiment":"neutral","sentiment_score":0.08174802362918854}],"sentiment":"neutral","sentiment_score":0.1818669189233333,"num_words":32,"start":2694.5051,"end":2714.25},{"sentences":[{"text":"It it obviously, it depends on what your goals are, but often what people are needing is clearing out any debts.","start":2715.35,"end":2722.715,"sentiment":"neutral","sentiment_score":0.05411510914564133},{"text":"If something were to happen, which you certainly would cover, and then it's just leaving a bit of extra support to the family if something were to happen or if you can't work to then provide you with a bit of that lump sum.","start":2722.715,"end":2733.935,"sentiment":"neutral","sentiment_score":0.09070762517777356},{"text":"If something were to happen, the super will also be paid on top of that.","start":2734.1,"end":2737.96,"sentiment":"neutral","sentiment_score":0.18931809365749358},{"text":"Yep.","start":2739.3801,"end":2739.8801,"sentiment":"neutral","sentiment_score":0.0005259827012196183},{"text":"You also have an income protection policy, and that will pay a monthly amount of $3,351 per month.","start":2740.5,"end":2748.795,"sentiment":"neutral","sentiment_score":0.11150484159588814}],"sentiment":"neutral","sentiment_score":0.10075694278959711,"num_words":99,"start":2715.35,"end":2748.795},{"sentences":[{"text":"You have a ninety day waiting period and two year benefit period, and your one is 908 per year.","start":2749.355,"end":2757.295,"sentiment":"neutral","sentiment_score":0.08486931516151679},{"text":"Yep.","start":2758.795,"end":2759.115,"sentiment":"neutral","sentiment_score":0.11447359621524812},{"text":"Any questions so far?","start":2759.115,"end":2760.2349,"sentiment":"neutral","sentiment_score":0.08335402607917786},{"text":"That's pretty straightforward.","start":2760.2349,"end":2761.295,"sentiment":"positive","sentiment_score":0.4062932034333547},{"text":"No.","start":2763.1301,"end":2763.45,"sentiment":"neutral","sentiment_score":0.05124273896217346}],"sentiment":"neutral","sentiment_score":0.11894746563796486,"num_words":28,"start":2749.355,"end":2763.45},{"sentences":[{"text":"Pretty straightforward.","start":2763.45,"end":2764.19,"sentiment":"neutral","sentiment_score":0.32831089198589325},{"text":"Perfect.","start":2764.57,"end":2765.07,"sentiment":"positive","sentiment_score":0.5560637712478638},{"text":"And now the next one is can you see one where it says twelve month, have a 24 performance report?","start":2765.1301,"end":2771.95,"sentiment":"neutral","sentiment_score":0.08969629555940628},{"text":"Yep.","start":2777.865,"end":2778.365,"sentiment":"neutral","sentiment_score":0.02638593688607216},{"text":"Can you say two, Hailey?","start":2778.6648,"end":2779.9648,"sentiment":"neutral","sentiment_score":0.016621625795960427}],"sentiment":"neutral","sentiment_score":0.10745191490598793,"num_words":29,"start":2763.45,"end":2779.9648},{"sentences":[{"text":"Yes.","start":2782.1848,"end":2782.6848,"sentiment":"neutral","sentiment_score":0.0429207906126976},{"text":"It says IRR next to it as well?","start":2783.305,"end":2785.8,"sentiment":"neutral","sentiment_score":0.034880404360592365},{"text":"Yep.","start":2786.12,"end":2786.62,"sentiment":"neutral","sentiment_score":0.09152215719223022},{"text":"Perfect.","start":2786.76,"end":2787.26,"sentiment":"positive","sentiment_score":0.450688898563385},{"text":"So if I start with you, Andrew.","start":2787.8,"end":2790.9202,"sentiment":"neutral","sentiment_score":0.1526855549642018}],"sentiment":"neutral","sentiment_score":0.10738744255569246,"num_words":18,"start":2782.1848,"end":2790.9202},{"sentences":[{"text":"So it is quite similar because you do have similar investments.","start":2790.9202,"end":2793.6602,"sentiment":"neutral","sentiment_score":0.13649471646005457},{"text":"It is just tailored on your balance and fees and stuff like that.","start":2794.52,"end":2797.4001,"sentiment":"neutral","sentiment_score":0.13829023448320535},{"text":"But, basically, for both of you, it does break down the individual investments.","start":2797.4001,"end":2802.4548,"sentiment":"neutral","sentiment_score":0.07142044331591862},{"text":"So this is over the last twelve months.","start":2802.755,"end":2804.9949,"sentiment":"neutral","sentiment_score":0.024084926350042224},{"text":"So the last twelve months, like I touched on earlier, we have seen quite a bit of fluctuations in the market.","start":2804.9949,"end":2810.115,"sentiment":"neutral","sentiment_score":-0.0436785380755152}],"sentiment":"neutral","sentiment_score":0.05307743641914743,"num_words":66,"start":2790.9202,"end":2810.115},{"sentences":[{"text":"It's been a bit turbulent with, obviously, everything in The US with Trump and tariffs and everything and, obviously, more recently with the war.","start":2810.115,"end":2817.8298,"sentiment":"neutral","sentiment_score":-0.13043036870658398},{"text":"So we have seen a bit of fluctuations.","start":2817.8298,"end":2819.45,"sentiment":"neutral","sentiment_score":-0.10257488582283258},{"text":"Despite all of that, though, both of your portfolio has still held up pretty good.","start":2821.03,"end":2825.93,"sentiment":"neutral","sentiment_score":0.30411244183778763},{"text":"So for you, Andrew, in the last twelve months, after fees, the portfolio has still gone up by 7.47% after fees.","start":2826.435,"end":2837.575,"sentiment":"neutral","sentiment_score":0.22220445353360402},{"text":"For you, Hailey, same time period, same same other other things.","start":2837.955,"end":2844.11,"sentiment":"neutral","sentiment_score":0.08536801148544658}],"sentiment":"neutral","sentiment_score":0.07868481446293336,"num_words":79,"start":2810.115,"end":2844.11},{"sentences":[{"text":"Again, after fees, 7.36.","start":2844.6501,"end":2848.03,"sentiment":"neutral","sentiment_score":0.057477787137031555},{"text":"Now with your investments, there is one investment I do wanna touch on a little bit through potential look at changing.","start":2850.33,"end":2857.135,"sentiment":"neutral","sentiment_score":0.1689483601422537},{"text":"So when you do have a look at for both of you, you can basically see that if you look at the column, the second column to the right versus internal rate of return, this is how the individual investment has performed.","start":2857.135,"end":2872.1501,"sentiment":"neutral","sentiment_score":0.1533930197003342},{"text":"So the one that has a bracket next to it is down.","start":2872.1501,"end":2876.73,"sentiment":"neutral","sentiment_score":0.18063305070002875},{"text":"The others are all positive.","start":2877.03,"end":2878.81,"sentiment":"positive","sentiment_score":0.3807477533817291}],"sentiment":"neutral","sentiment_score":0.17013891564593428,"num_words":84,"start":2844.6501,"end":2878.81},{"sentences":[{"text":"Does that make sense?","start":2879.11,"end":2880.17,"sentiment":"neutral","sentiment_score":0.19585785642266273},{"text":"Yep.","start":2880.71,"end":2881.21,"sentiment":"neutral","sentiment_score":0.019908295944333076},{"text":"So the one I want to look at a bit more is that that one that is down, which is your Benelon Australian equity.","start":2881.59,"end":2888.4348,"sentiment":"neutral","sentiment_score":-0.015350121422670782},{"text":"Now sometimes when investments are down, it is just a cyclical trend depending on the market trends that's going up in the market.","start":2889.295,"end":2895.315,"sentiment":"neutral","sentiment_score":-0.034585805852775986},{"text":"And we like to you know, if we still think it's a really good investment, we like to keep it and see, because we believe it's gonna come back around.","start":2895.775,"end":2902.4102,"sentiment":"positive","sentiment_score":0.4356904263297717}],"sentiment":"neutral","sentiment_score":0.1550021471069535,"num_words":82,"start":2879.11,"end":2902.4102},{"sentences":[{"text":"We've been along.","start":2903.11,"end":2904.31,"sentiment":"neutral","sentiment_score":0.16488958895206451},{"text":"We have done a lot of research on it, and we feel like there might be better options out there, that we could look at instead.","start":2904.31,"end":2910.9702,"sentiment":"neutral","sentiment_score":0.1272744400283465},{"text":"Because we've been along the way that they kind of work is that they are a managed fund, so they are actively trying to buy and sell different investments in order to try to outperform the market.","start":2911.03,"end":2922.255,"sentiment":"neutral","sentiment_score":0.10930259223725344},{"text":"And if they are kind of under they have been a little bit slower recently with making their decisions.","start":2923.435,"end":2928.015,"sentiment":"neutral","sentiment_score":-0.20877791549030103},{"text":"Before, they were really, really good.","start":2928.315,"end":2929.595,"sentiment":"neutral","sentiment_score":-0.020764250308275223}],"sentiment":"neutral","sentiment_score":0.041281694771496805,"num_words":91,"start":2903.11,"end":2929.595},{"sentences":[{"text":"They were one of the best performing fund managers, but more recently, they've been a little bit slower with making their decisions.","start":2929.595,"end":2934.53,"sentiment":"neutral","sentiment_score":-0.0514560460366986},{"text":"And if that's the case as well and we don't foresee it being the best option for for you, we then wanna look at, okay, what can we swap it for instead, making sure we put you both in the best position moving forward.","start":2935.55,"end":2947.535,"sentiment":"neutral","sentiment_score":0.07018372137099504},{"text":"So are you happy, both of you, for me to do a bit of proposal to see what we could swap that one out for you?","start":2947.675,"end":2954.815,"sentiment":"neutral","sentiment_score":0.21341627062513277},{"text":"Yeah?","start":2955.995,"end":2956.495,"sentiment":"neutral","sentiment_score":0.05772692710161209},{"text":"So we yeah.","start":2963.13,"end":2966.01,"sentiment":"neutral","sentiment_score":0.3005666161576907}],"sentiment":"neutral","sentiment_score":0.08816979728483905,"num_words":96,"start":2929.595,"end":2966.01},{"sentences":[{"text":"So with investments, if it is under if it's under 15,000 and it is not a massive change, we can just send you a document to say this is what we've changed.","start":2966.01,"end":2977.265,"sentiment":"neutral","sentiment_score":0.1071577916154638},{"text":"If it's over 15,000, we have to, from a compliance point, put it in that, like, a statement of advice for you and do a bit more in-depth research.","start":2977.6448,"end":2985.105,"sentiment":"neutral","sentiment_score":0.08999762221656997},{"text":"Now for you, Hailey, it is under 15, but for Andrew, you are over.","start":2985.69,"end":2990.03,"sentiment":"neutral","sentiment_score":-0.01844562526925334},{"text":"So because of that, I might as well do a bit more in-depth for both of you and include it in one strategy if you are happy with that, and we can do it all together.","start":2990.41,"end":3000.27,"sentiment":"neutral","sentiment_score":0.2517417883500457},{"text":"Yep.","start":3001.7751,"end":3002.175,"sentiment":"neutral","sentiment_score":0.17452120780944824}],"sentiment":"neutral","sentiment_score":0.13408899295193674,"num_words":112,"start":2966.01,"end":3002.175},{"sentences":[{"text":"Alright.","start":3002.175,"end":3002.655,"sentiment":"positive","sentiment_score":0.47485384345054626},{"text":"Perfect.","start":3002.655,"end":3003.155,"sentiment":"positive","sentiment_score":0.6396784782409668},{"text":"Now, otherwise, in the email, you should see so for you, Andrew, you will have your Clearview certificate of currency.","start":3004.3352,"end":3010.7551,"sentiment":"neutral","sentiment_score":0.18159906305372714},{"text":"This shows you the insurances in a bit more, detail there for you.","start":3011.2952,"end":3015.715,"sentiment":"neutral","sentiment_score":0.2129143510873501},{"text":"And both of you as well should have a financial services guide version four and then o two services guide version one.","start":3016.65,"end":3025.95,"sentiment":"neutral","sentiment_score":0.08036936468190768}],"sentiment":"neutral","sentiment_score":0.16285133631409784,"num_words":57,"start":3002.175,"end":3025.95},{"sentences":[{"text":"Yeah?","start":3028.985,"end":3029.485,"sentiment":"neutral","sentiment_score":0.034595198929309845},{"text":"You following me so far?","start":3029.865,"end":3031.325,"sentiment":"neutral","sentiment_score":0.08516424968838691},{"text":"Yeah.","start":3032.585,"end":3033.085,"sentiment":"neutral","sentiment_score":0.048380687832832336},{"text":"Clear fee.","start":3033.465,"end":3034.205,"sentiment":"neutral","sentiment_score":0.061166683211922646},{"text":"Yep.","start":3035.705,"end":3036.185,"sentiment":"neutral","sentiment_score":0.07127015292644501}],"sentiment":"neutral","sentiment_score":0.0702400654554367,"num_words":10,"start":3028.985,"end":3036.185},{"sentences":[{"text":"So for example let me just see here.","start":3036.185,"end":3038.845,"sentiment":"neutral","sentiment_score":0.0563538814894855},{"text":"If you wanna open the OQ services guide, the other one is just kind of like a smaller version.","start":3039.145,"end":3044.68,"sentiment":"neutral","sentiment_score":0.050698144557444674},{"text":"So I'll let you guys have a read over that in your own time.","start":3044.68,"end":3047.0999,"sentiment":"neutral","sentiment_score":0.09209229052066803},{"text":"But if you wanna open the OQ services guide, now this is the same one for both of you, It is one of those compliance forms.","start":3047.24,"end":3054.955,"sentiment":"neutral","sentiment_score":0.06073894043667959},{"text":"You probably have seen these a few times, but, basically, it gives you all the important information in regards to us here.","start":3055.335,"end":3062.0752,"sentiment":"neutral","sentiment_score":0.10920301714742725}],"sentiment":"neutral","sentiment_score":0.07511310892577251,"num_words":89,"start":3036.185,"end":3062.0752},{"sentences":[{"text":"None of the information has none of the important information has changed, but we recently had a bit of an update through marketing, which is great.","start":3063.095,"end":3070.28,"sentiment":"neutral","sentiment_score":0.2539191979628343},{"text":"We've got a bit more updated photos, which is nice, and we've had a bit of an extension to the team as well.","start":3070.5,"end":3076.92,"sentiment":"positive","sentiment_score":0.5033424872419109},{"text":"So as you guys have a have a scroll through, you guys can read this in your own time as well.","start":3077.0598,"end":3081.765,"sentiment":"neutral","sentiment_score":0.21846540485109603},{"text":"But if you do wanna put a face through my voice as well to know who you're actually speaking with, if you want to scroll down through page 10, I believe, you should see myself there next to Dana.","start":3081.765,"end":3096.6648,"sentiment":"neutral","sentiment_score":0.06065861493922197},{"text":"You can kind of scroll through.","start":3105.8801,"end":3107.0,"sentiment":"neutral","sentiment_score":0.013452532545973858}],"sentiment":"neutral","sentiment_score":0.2192430524641405,"num_words":115,"start":3063.095,"end":3107.0},{"sentences":[{"text":"You can see a cup you can see the team, like, the director.","start":3107.0,"end":3109.58,"sentiment":"neutral","sentiment_score":0.010804348911803503},{"text":"You're like, there is no page 10.","start":3111.485,"end":3113.185,"sentiment":"neutral","sentiment_score":-0.10184429160186223},{"text":"Yeah.","start":3116.0452,"end":3116.5251,"sentiment":"neutral","sentiment_score":0.32265257835388184},{"text":"So sometimes it is nice to see who you are talking with, and you can kind of have a scroll through your own time as well with, you know, all the advices and everything in here for you as well.","start":3116.5251,"end":3125.905,"sentiment":"positive","sentiment_score":0.5988716602325439},{"text":"That was basically all of the documents there.","start":3127.77,"end":3130.33,"sentiment":"positive","sentiment_score":0.3547072038054466}],"sentiment":"positive","sentiment_score":0.3846771465614438,"num_words":69,"start":3107.0,"end":3130.33},{"sentences":[{"text":"Now there is one attachment for both of you to sign.","start":3130.33,"end":3134.09,"sentiment":"neutral","sentiment_score":0.2519333863800222},{"text":"Now you have already signed your ongoing service agreement before, so you don't have to do that.","start":3134.09,"end":3138.795,"sentiment":"positive","sentiment_score":0.3957138675100663},{"text":"That one was basically to say that you're happy to stay on as a client.","start":3139.755,"end":3143.355,"sentiment":"positive","sentiment_score":0.5247431377569834},{"text":"There was no changes whatsoever in regards to that fee structure.","start":3143.355,"end":3146.555,"sentiment":"neutral","sentiment_score":0.20360189337622037},{"text":"It stayed exactly the same at 1.1.","start":3146.555,"end":3148.9749,"sentiment":"positive","sentiment_score":0.34512683749198914}],"sentiment":"positive","sentiment_score":0.36106653694735197,"num_words":61,"start":3130.33,"end":3148.9749},{"sentences":[{"text":"But you guys have already signed that.","start":3149.1948,"end":3150.875,"sentiment":"neutral","sentiment_score":0.1753108650445938},{"text":"So the only thing outstanding for both of you is a tax file number opt in form.","start":3150.875,"end":3156.3198,"sentiment":"neutral","sentiment_score":0.24178298606592066},{"text":"So if you guys click out of your inbox and then click on the link where it says request signature sign now, can you guys then see both of you a form where it says option to provide tax file number?","start":3156.7,"end":3170.2551,"sentiment":"neutral","sentiment_score":0.12649679756382617},{"text":"Sorry.","start":3173.995,"end":3174.315,"sentiment":"neutral","sentiment_score":-0.03748390078544617},{"text":"If you click on the link yeah.","start":3174.315,"end":3176.175,"sentiment":"neutral","sentiment_score":0.019658484629222324}],"sentiment":"neutral","sentiment_score":0.14553398644066837,"num_words":73,"start":3149.1948,"end":3176.175},{"sentences":[{"text":"Yep.","start":3186.0898,"end":3186.5898,"sentiment":"neutral","sentiment_score":0.07306286692619324},{"text":"Sorry.","start":3186.81,"end":3187.13,"sentiment":"neutral","sentiment_score":0.04426942765712738},{"text":"This is the only one that requires a signature, and that is basically another compliance form just to say we are keeping your tax number secure and safe on file.","start":3187.13,"end":3195.5852,"sentiment":"neutral","sentiment_score":0.14941855097810428},{"text":"So if you guys are happy to add a little scribble on that one and then press see that finish or start or validate, and then it should say, like, a little wheel that loads, and then it should just send it back to me.","start":3197.405,"end":3216.36,"sentiment":"neutral","sentiment_score":0.17827373892068862},{"text":"There should just be one, so you could do either because it should take you just to where you need to sign.","start":3221.555,"end":3228.035,"sentiment":"neutral","sentiment_score":0.060279018838297234}],"sentiment":"neutral","sentiment_score":0.14089237868484825,"num_words":99,"start":3186.0898,"end":3228.035},{"sentences":[{"text":"You can't you can't just sign all because it should just be that one form.","start":3228.035,"end":3230.9348,"sentiment":"neutral","sentiment_score":-0.023652320727705956},{"text":"Usually.","start":3235.97,"end":3236.47,"sentiment":"neutral","sentiment_score":0.14173638820648193},{"text":"Yes.","start":3236.61,"end":3237.11,"sentiment":"neutral","sentiment_score":0.22008714079856873},{"text":"Yeah.","start":3237.1702,"end":3237.6702,"sentiment":"neutral","sentiment_score":0.1929921507835388},{"text":"Alright.","start":3242.77,"end":3243.1702,"sentiment":"positive","sentiment_score":0.3944936692714691}],"sentiment":"neutral","sentiment_score":0.031290765165498384,"num_words":19,"start":3228.035,"end":3243.1702},{"sentences":[{"text":"Perfect.","start":3243.1702,"end":3243.57,"sentiment":"positive","sentiment_score":0.5589834451675415},{"text":"I can see, Hailey, yours have come through.","start":3243.57,"end":3245.6702,"sentiment":"neutral","sentiment_score":0.2918754741549492},{"text":"Andrea's yours must be no.","start":3246.2349,"end":3249.195,"sentiment":"neutral","sentiment_score":-0.04893903797492385},{"text":"That's okay.","start":3249.195,"end":3250.015,"sentiment":"neutral","sentiment_score":0.0007514804601669312},{"text":"While I do wait for Andrea to oh, beautiful.","start":3251.115,"end":3253.695,"sentiment":"positive","sentiment_score":0.3822796924246682}],"sentiment":"neutral","sentiment_score":0.24365248965099454,"num_words":25,"start":3243.1702,"end":3253.695},{"sentences":[{"text":"That has come through as well, which is great.","start":3253.755,"end":3256.015,"sentiment":"positive","sentiment_score":0.8203232751952277},{"text":"So, basically, from here is that I will pre fill those beneficiary forms for you, send it through to you, Hailey, get that all sorted.","start":3256.875,"end":3265.04,"sentiment":"neutral","sentiment_score":0.2235754472017288},{"text":"I'll attach the cash flow and budget spreadsheet as well.","start":3265.04,"end":3268.34,"sentiment":"neutral","sentiment_score":0.15383792892098427},{"text":"Otherwise, I will go and do the research on your investments to see if we wanna swap out that Benelung for you and what that would look like.","start":3269.12,"end":3276.1802,"sentiment":"neutral","sentiment_score":0.09451474874679532},{"text":"So while I have you on the phone, I can book in a time to go through that.","start":3276.425,"end":3279.945,"sentiment":"neutral","sentiment_score":0.13104675172103775}],"sentiment":"neutral","sentiment_score":0.21684366046554512,"num_words":90,"start":3253.755,"end":3279.945},{"sentences":[{"text":"And are you happy to do that together again on the phone?","start":3279.945,"end":3283.325,"sentiment":"neutral","sentiment_score":0.24145889623711506},{"text":"Yep.","start":3283.705,"end":3284.105,"sentiment":"neutral","sentiment_score":0.10806167125701904},{"text":"Perfect.","start":3284.105,"end":3284.605,"sentiment":"neutral","sentiment_score":0.3282911777496338},{"text":"Now when is the best time for you to do that?","start":3285.2249,"end":3288.445,"sentiment":"neutral","sentiment_score":0.06858625838702376},{"text":"Okay.","start":3293.24,"end":3293.74,"sentiment":"neutral","sentiment_score":0.015531360171735288}],"sentiment":"neutral","sentiment_score":0.1578399925492704,"num_words":26,"start":3279.945,"end":3293.74},{"sentences":[{"text":"Sorry about this.","start":3294.52,"end":3295.4202,"sentiment":"neutral","sentiment_score":-0.06044089669982592},{"text":"Yeah.","start":3302.135,"end":3302.635,"sentiment":"neutral","sentiment_score":0.05892831087112427},{"text":"Okay.","start":3318.71,"end":3319.19,"sentiment":"neutral","sentiment_score":0.03732673451304436},{"text":"Let me have a look.","start":3319.19,"end":3320.15,"sentiment":"neutral","sentiment_score":0.024711151793599128},{"text":"So I don't work Friday, the first.","start":3320.15,"end":3322.65,"sentiment":"neutral","sentiment_score":-0.02150118550551789}],"sentiment":"neutral","sentiment_score":-0.00658942260505522,"num_words":17,"start":3294.52,"end":3322.65},{"sentences":[{"text":"Yeah.","start":3323.75,"end":3324.25,"sentiment":"neutral","sentiment_score":-0.000316486693918705},{"text":"No.","start":3325.845,"end":3326.165,"sentiment":"neutral","sentiment_score":-0.04434986785054207},{"text":"That's okay.","start":3326.165,"end":3326.805,"sentiment":"neutral","sentiment_score":-0.008924894500523806},{"text":"Alright.","start":3326.805,"end":3327.125,"sentiment":"neutral","sentiment_score":0.017785251140594482},{"text":"Let me have a look at availability.","start":3327.125,"end":3328.665,"sentiment":"neutral","sentiment_score":0.00847147817590407}],"sentiment":"neutral","sentiment_score":0.0012141212355345488,"num_words":12,"start":3323.75,"end":3328.665},{"sentences":[{"text":"Sorry.","start":3329.605,"end":3330.105,"sentiment":"neutral","sentiment_score":-0.01903681457042694},{"text":"I could do Thursday, June 4.","start":3330.165,"end":3334.3447,"sentiment":"neutral","sentiment_score":0.0012233392335474491},{"text":"I could do same time, 05:30.","start":3334.885,"end":3337.785,"sentiment":"neutral","sentiment_score":0.008280942992617687},{"text":"Otherwise, that'll be Thursday, sorry, in two weeks.","start":3340.55,"end":3348.4102,"sentiment":"neutral","sentiment_score":-0.00857828165317187},{"text":"Thursday, June 4 at 05:30.","start":3349.99,"end":3352.8901,"sentiment":"neutral","sentiment_score":0.005748063139617443}],"sentiment":"neutral","sentiment_score":-0.00007296379772014916,"num_words":26,"start":3329.605,"end":3352.8901},{"sentences":[{"text":"Otherwise because Thursdays is my when I work after hours.","start":3354.4949,"end":3358.355,"sentiment":"neutral","sentiment_score":0.004156122915446758},{"text":"Otherwise, if we want to look at a Monday, I could do Monday the first at 4PM or No.","start":3360.1748,"end":3374.16,"sentiment":"neutral","sentiment_score":0.006589183093685853},{"text":"It's a bit too early.","start":3376.7,"end":3377.92,"sentiment":"neutral","sentiment_score":-0.0049970257095992565},{"text":"Okay.","start":3378.06,"end":3378.56,"sentiment":"neutral","sentiment_score":0.09493067860603333},{"text":"So fourth of June at 05:30.","start":3379.18,"end":3382.16,"sentiment":"neutral","sentiment_score":0.058032105987270675}],"sentiment":"neutral","sentiment_score":0.014265704729662435,"num_words":41,"start":3354.4949,"end":3382.16},{"sentences":[{"text":"The same as now.","start":3383.415,"end":3384.215,"sentiment":"neutral","sentiment_score":0.19877968356013298},{"text":"Okay.","start":3384.215,"end":3384.615,"sentiment":"positive","sentiment_score":0.34505414962768555},{"text":"Perfect.","start":3384.615,"end":3385.115,"sentiment":"positive","sentiment_score":0.6921737194061279},{"text":"Well, I will get that all booked in on Thursday, June 4 at 05:30.","start":3385.895,"end":3391.7551,"sentiment":"neutral","sentiment_score":0.27990405367953436},{"text":"I'll give you a call again and send you guys the proposal, and we can kind of go through it.","start":3392.215,"end":3397.28,"sentiment":"neutral","sentiment_score":0.29046422243118286}],"sentiment":"neutral","sentiment_score":0.2890071950852871,"num_words":40,"start":3383.415,"end":3397.28},{"sentences":[{"text":"It should be a little bit quicker than today's conversation.","start":3397.28,"end":3399.78,"sentiment":"neutral","sentiment_score":0.29080031514167787},{"text":"But before I let you guys go, otherwise, do you have any other questions for me before I let you go and enjoy the rest of your afternoon or evening, I should say?","start":3402.24,"end":3410.26,"sentiment":"neutral","sentiment_score":0.14714206822893836},{"text":"That's all good.","start":3410.685,"end":3411.585,"sentiment":"positive","sentiment_score":0.5076551934083303},{"text":"Yeah.","start":3411.885,"end":3412.125,"sentiment":"positive","sentiment_score":0.4404555559158325},{"text":"Beautiful.","start":3412.125,"end":3412.605,"sentiment":"positive","sentiment_score":0.718084454536438}],"sentiment":"neutral","sentiment_score":0.21760827070102096,"num_words":48,"start":3397.28,"end":3412.605},{"sentences":[{"text":"If you can't think of anything and you there is anything else, so just let me know.","start":3412.605,"end":3416.685,"sentiment":"neutral","sentiment_score":0.32160647301112905},{"text":"But, otherwise, I look forward to speaking with you both on Thursday, June 4.","start":3416.685,"end":3421.105,"sentiment":"positive","sentiment_score":0.4620749514017786},{"text":"Mhmm.","start":3423.033,"end":3423.113,"sentiment":"neutral","sentiment_score":0.13836929202079773},{"text":"No problem at all.","start":3423.113,"end":3423.913,"sentiment":"neutral","sentiment_score":0.29435910284519196},{"text":"We'll speak soon.","start":3423.913,"end":3424.813,"sentiment":"neutral","sentiment_score":0.3164743979771932}],"sentiment":"positive","sentiment_score":0.36414328867044204,"num_words":39,"start":3412.605,"end":3424.813},{"sentences":[{"text":"Alright.","start":3425.993,"end":3426.493,"sentiment":"positive","sentiment_score":0.3624866008758545},{"text":"Bye.","start":3426.633,"end":3427.133,"sentiment":"positive","sentiment_score":0.3468499183654785},{"text":"You too.","start":3427.753,"end":3428.5679,"sentiment":"neutral","sentiment_score":0.06322862580418587}],"sentiment":"neutral","sentiment_score":0.20894844271242619,"num_words":4,"start":3425.993,"end":3428.5679}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. Yeah. Yep. Yeah. She's here with me. Yep. Yeah. That's fine. Yes. Andy. Andrew Jared Williams. Fifteenth of the eighth eighty three. And would you want address? 114 Robertson Road, Kalani Bar. Yeah. Just yeah. Just make it highly. Yeah. No. Nothing's busy. You'll see what happens when we hear what you got to say, I guess, and go for that. Yeah. Yeah. Yep. Yep. Yes. Yeah. Yeah. I've I've got I've got a new employer now. Yeah. Yep. Yep. It's got OceanTech Marine. December 1, I think it was. Yeah. It's great. Yep. Yep. Yep. It's about 100. 100 to 9. Yeah. It's it's $2 before tax a week. Yep. Yeah. I get overtime. Yeah. I get overtime. Yeah. Yeah. Yeah. I know he's been doing it because I've been sent on payslip, but I don't know what percentage. I'll just have a look. No. No. That I'm aware of. No. Yeah. Yeah. Yeah. Okay. No. No. No. I'm still the same. That's roughly around that if I don't do overtime. Yeah. I get I also get salary sacrifice too of 12 and a half grand. So that's paid, like, tax free money. I've got an easy way card. That is that the right? Yeah. Somewhat. Yeah. Yeah. My my car got ridden off not that long ago. So I got a I got a different car now. It's just like, it's the same brand of car. I'm pretty sure it'd be around the same. Yeah. Probably okay. Yeah. Yeah. Just a newer version of it. Just a newer version. Someone rode my car off. Yeah. I wasn't in it. Just a drunk driver. I just headed out the front of our house. Oh, five more minutes than I would have been. It all got paid out, and then I had to take out another loan to get the new car. About the same? Yeah. It's roughly about the same. Yeah. Just literally just started again. Yeah. Yeah. Yep. Oh, he he wrote off three he wrote off three cars, well, four including his own. So he got my daughter's car, my car, the neighbor's car, and then he totaled his own car. Yep. Besides being besides being drunk and then he got a got charged, she's alright, I suppose. He Yeah. So she she only had third party. So because he was drunk, that was a bit of a mission. And because she was under 21, she couldn't get a higher car, so that was a bit of a mission as well because she's a casual worker. But in the end, the brother came to the party and gave us money to buy her a new car, so it was pretty good. And now she's got full insurance because she was over the shit show. Yeah. It's probably not quite that anymore. Oh, probably 20, I would say. 15, 20, something like that. Yeah. It's nearly paid off. Yeah. Nearly I still only got, like, three or four payments left. Oh, it'd be under a thousand bucks. Yeah. Yeah. Yes. It's early June that it's finished. Yeah. Early to mid June. Yeah. So, yeah, it's only 100 and $30 a week. So Yeah. About 500. Yeah. No. Not that not that we own. No. He's and he's got a work cover that he doesn't pay for it. Oh, we got yeah. We've got all that. In debt? I no. 7. I'm in a million. 4. 4. Yeah. Probably 10? Yep. Yeah. Roughly. Yep. Yeah. Yep. No. No. No. We're all pretty. Alright. I I have ambulance cover. It's only a very brief it's only minor one, I think. Pretty sure it just covers ambulance and maybe some hospital. I'm not sure. Yeah. I've got nothing yet. I'll probably just get ambulance cover. It's just too expensive. Like because I gotta do the whole family. So it works out to be bloody 300 a month. I just can't afford it. Yeah. It's just something's gotta give. You know what I mean? Like, everything's going up except our page. So yeah. No. We just keep forgetting to do that. I think we've got the bar. I don't think we ever got got him in on the part in the box. We just I wish there was a thing where you could just say, I want him to have it all and she wants it's just a pain in the butt. Yeah. Can we verbally do it? Is it Yeah. And it's gotta be done yearly, hasn't it? Or three years? I said, why not? Yeah. That's what I wanna do. I just wanna do it. Say it once and be done. Yeah. Yeah. Yeah. And just send them out because, yeah, we never got them last time. I can I can print them at work if if you send them to my email? Yep. Do do we have to send them back, or can I email it back? Okay. And that's the agent. Yeah. Wednesday next door. Yeah. Yeah. Yeah. Yeah. Doesn't really matter. I'm dead. I know I know if I die tomorrow, I know you're gonna look after the kids, and that's the main priority. So we don't have any house. We don't, like, we rent. We don't have any big massive assets. So the main concern would be what looking after our kids. He's gonna do that. He's not a a heartless person, so I really don't care what he does with it, to be honest. What about you? Seven? Yeah. Okay. Yeah. Because my family is a bit money hungry, so let's do that then. Yeah. Just so just Yeah. Yeah. Just because my family are pricks. I don't think they think they could. Like, I don't think they think they could because we're married anyway, but you just never know with them. Yep. Okay. And is that is that a one off thing as well? Like yeah. Yeah. Yeah. K. Cool. Yeah. No. Don't. Well, it was, but everything's just got so expensive. We don't even have savings anymore. Rents are so high, and they're probably we're we're sitting at the moment because in July, that'll be in the lease, so we have to see if they're gonna put the rent up or not. Like, we're sitting at 800 a week for a rental, and we don't even like where we are. But to go elsewhere, you're looking at over a thousand bucks a week. And I think that's ludicrous spending that on someone else's mortgage. I'd rather spend that on my own mortgage, but yet again, we don't get looked at because we don't have savings. So it's a bit of a catch 22, but I mean, as the kids grow up and they all leave us alone, we'll probably have more income to fiddle around with as we get get there. But, like, I've got a 22 year old almost and a 16 year old and nearly a seven year old. So as they grow up and they disperse, our income will come back to us a little bit more. So there's not much we can do about it at the moment. We we really because we we live wake to wake at the moment, but we'd love to change that. But it's certainly getting worse with in this with this government anyway. It's only getting worse. So I guess I guess it's hard because every every I get paid fortnightly and it gets paid weekly. So any Andy will out of any pay, we'll pay, like, the rent because that's weekly. And he'll pay his car loan and and his health insurance and stuff. And then I'll do, like, out of my tax free money, I'll do the groceries. And then out of my pay, I'll do, like, my car repayment and all the other bills, like electricity, gas, all the kids' schooling and stuff like that. And then whatever we've got left, we've got left. But so, like, I've got we've got one in year 10, and he's gone on that many damn excursions. And then the school's wanting money every five seconds, so it just changes week to week on on what needs to be paid. You know? So it it gets it gets a bit hard. But I give you notice. You only get, like, you get, like, a day's notice or two days notice, and it's $50 for this and a $100 for this and, you know, $50 for photos and representing the school. There's another $20 there, and and it just it's constant every week. So no. They don't. Yeah. And the fact is if if they're representing the school and it's on the coast, then it's up to us to to take them where they need to be. So say my my son represents a school for futsal, I've gotta get him to where they're playing futsal and get him home. Same with when he represents the zone cross country, zone swimming, zone athletics, all that. If it's on the coast, I've gotta get him there and get him home. They will if it leaves if it leaves the Central Coast, they will. They'll they'll hire a bus or whatever. But it makes it very hard when you try to work. So luckily, I work night shift. So I can make it work, but, like, me and Andy pretty much tag team. So when he's home, I'm at work, and when he's at work, I'm trying to sleep. That never happens. But Well, I got it got to the point where we couldn't get childcare. There was a two year wait for childcare, so I had to leave my job in child like, I was actually a childcare worker. So I had to leave my job and go into disability and and do night shift because we couldn't get anyone to look after our kids. So yeah. And if I was to put because at the time when I did it, Alice was a baby, It was gonna cost us more than my wage to put her in five days in the day care with me. So yeah. Yeah. So I decided, okay. Well, I'll just go get a night job. And I just thought I was gonna go to Kohl's and just stack shelves. You know? And then my my old trainee turned around and said, no. You're better than that. There's a new house being built. I'll put your name forward for a job. And then they called me, and then they gave me the job. So I just went into disability, and I just do overnight. So it's it's what what works at the moment. I I don't like it. Like, it it knocks it knocks me around, but it works. So whatever works has to work at this point in time. So And it's where the money is because it's all overtime. Yeah. And weekends. Yeah. Yeah. You can. You can. And we can sit down and have a look at it and and and see I mean, we've tried like, I paid out I paid out my personal loan, and I vowed I'm not gonna get another one. I shut down the majority of my credit cards. The only credit card I have is Latitude, and that's when, like, we have furniture that decides it's not gonna work anymore and we need to replace it. And it's all, like, it's all, what do you call, interest pay interest free. So that's that's that's that. And then, obviously, I have Afterpay. I think Andy has Afterpay, and he has one purse he has, like, one credit card. So yeah. And then he's trying to get his credit card down, and and and then he's gonna cancel his too. So but I got rid of, yeah, I got rid of my credit my personal credit card years ago. Yeah. So Yeah. Well, his car he'll save a $130 there, and then we wanna sell that car because he's gotta work me for now. We're just we're just waiting. His boss is upgrading his car because he's got a dual cab Ute where Andy doesn't have. He's just got a single cab. So when Andy gets the dual cab, we'll be able to sell Andy's car because we need the dual cab for the kids when I'm at work. So when we do that, then Andy will try and sell his car, and then we're gonna try and get rid of some of our debt, and that'll put us in a better position again. So yeah. You say you go we say we're gonna do all this stuff and then other shit happens and or they decide every time when we get in a good position and we think, oh, yeah. Finally, we're getting a little bit at a they go, oh, you need to move. And then every time we move, it's $6,000. Yeah. Or at it's just just putting down a bond is over 3 and a half grand. Like, that's just your bond, and then you gotta have your two weeks in advance, and then you all the extra start yeah. It's like a removalist is a couple of grand, and, yeah, it's just full on. Yeah. Yeah. Yeah. Andy Andy got luck Andy got lucky because he got a with this new job, he got a work vehicle. So that freed up a lot of he's but he barely has to put petrol in his fuel in his company. Yeah. Yeah. Well, he's caused diesel too, so that that made it hard. But Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Too easy. No. No. No. It'd be nice if we won Lotto. That would be nice. That'd be a good change. It is 40 million tonight. Yep. Yeah. 40 mil. We need a financial adviser. Yeah. Yep. Yep. No. My son hassles us to do it, but we don't do it. Look. I think we won't have a choice. I think that's just we may even have to work longer. Unless, like I said, like, unless we come into some sort of money, I think everyone's gonna get to a point where they're just gonna have to keep working a little bit longer. We all hope we don't have to work tomorrow, but, you know, at some at this point in time, that that pretty much looks like it's gonna happen. We're gonna be, like, close to the 70, but we don't want to. But it just that that looks like that's gonna be the reality of it. Yeah. Is that a way? Yeah. Oh, no. I don't even get that. I don't even get that now. That's that's pretty high. I I only get a thousand dollars a week now. And, Andy, what do you get? 1,500 take home. And Andy's on 1,500 take home. So we should probably go a little bit less than that. And with and and and as the as the time go like, we're gonna have less kids, we're hoping to downsize the size of the house so we can save in like, so as the kids leave home, I mean, we're hoping. We've still got them all home at the moment. But as they leave, we can downsize to a three bedroom, you know, and and and work our way down. And, hopefully, the rent will will decrease as well. So, yeah, so that that scenario of by the time we were retired, we're not gonna have kids to have to support, so we could probably live off a lot less. Yeah. I reckon. Yeah. I reckon. Yeah. Depending on if the as long as on the provider, the rents don't go through the roof. That that should be sufficient. Yeah. At the moment, because well, this is me. Anyone have a different thing, but because I've got the kids, I I I'll go a small risk. As as the kids obviously get older and they bugger off and we don't have them as liability, then I'd probably take a bigger risk. But whenever I've got the kids and they need looking after, I probably, yeah, stick to a low risk. What about you? Medium. You've got more money to play with. Yeah. Probably. A a medium? Any micro medium? Yeah. I haven't thought about it, to be honest. I just usually let you guys sit and see how things go and then Yeah. Yeah. And then just, you know, if if after a bit more time, it's still not changing, then Like, you know it's gonna go up and down. That's the given. Like, it it always goes up and down and usually balances back out again. But, I mean, your team's usually under it pretty quick anyway and shift things around and stuff. Yeah. Yep. Trying to look here at time when I suppose. I wouldn't freak out too quickly. Yeah. Yeah. And it depends on the time period. Like, if it's if it starts like, if we're if we're getting, you know, after sort of the six month mark and it's looking horrible or or whatever, but we we'd obviously look at other things. But if it's only, like, a month or two and and it's and it's like I just sit for a little bit and see what happened. I don't really know much stuff. Have on the stuff. Yeah. I'd have to it'd be something I wouldn't do it yet. Like, I've I've I've heard good and bad things about it, so I'm very perplexed about about doing it. And, you know, I know people that have done it, and it it worked good for them. And his parents have done it at at some point. My son always is to do it though. Yeah. My son encourages me to do it all the time because he's learning about it at school. I don't know enough about it, I'll be honest. But it it's something that I'd have to really know the ins and outs of before I could make a decision on whether it was for us or not. But because yeah. Mister. Yeah. Of course. Yeah. I mean, if it was if it was looking good and it and it was a good opportunity, we may. Yeah? Yeah. Yep. Yep. Like, our main to be honest with you, our main goal that we've always wanted is to have a house. But just in this day and age and the way housing prices are and that, we know at this point in time, that's not gonna be viable for us at this point in time. Situations change, and, you know, we've got some kids that are getting to the to the age where they could leave, and we can look at, you know, downsizing in house and saving money in bits and place piece. So it could eventually happen. You know what I mean? But we just know at this point in time, there's no point because we don't have any spare money to even put away. So there's no point talking to a financial adviser or or or or a mortgage broker or anything like that because we know the answer is gonna be no because we've got no savings and everything's tight. But give it another five years or three years or whatever, that could be a totally different scenario because we have a 22 year old and a 16 year old. You know what I mean? So their their situations could change, which means our situation could change. Yeah. Yes. Yes. Yes. Yeah. No. Not really. No. That's why I don't. Growth usually means a good thing, though. Yes. Yeah. Yeah. Yeah. Yeah. I think that's all done. Yep. Yeah. Just send it to mine, to hayley underscore patricia. Yeah. Okay. I'll have a look. I'll have a look. Okay. There's nothing there. Going to inbox. Going to other. Nothing's come into mine at all. Let me have a look. I've looked at did you send it to Hailey_Patricia@Hotmail? Yep. Yeah. I haven't got anything. I've looked in everything. What's the I do have something here for you. What's this one? The sign and request annual review 20 that's the one? Yep. Yeah. Yeah. That's fine. Yeah. Did it go into your app store, or did it Yeah. It's just a normal. Yeah. I haven't got anything. Mhmm. Mhmm. Yeah. Yep. Oh, it comes through. Yeah. Mine comes through. Yeah. Yep. Yep. Yeah. Yeah. There's, like, six of them or something. Yep. Yep. Yep. Yes. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I'm just trying to get out of that. K. But oh, okay. Yeah. That's it. Yep. Summary one. That one, the third one. Yep. Yeah. Yep. I've got mine now. Yep. Yeah. I think so. Yeah. Yep. Yep. Yeah. I think so. I think so. Yeah. Yeah. Yeah. Yeah. No. It's not Good. Solve it. Yep. Twelve month hub 24. Is that yeah. Yep. Got that up. Yeah. Yes. Yep. Yep. Yep. Yeah. Yes. Mhmm. Yeah. Yeah. Yeah. They usually just swap them out anyway. Half the time, I don't even know what to swap them out with. They just watch it and swap it. And so I'm I'm happy to for them to do whatever. Yeah. Okay. Yeah. Yeah. Yep. Yep. Yep. Oh, you don't have it? Yeah. Good. Yeah. It's the guy service guy. Yeah. Yeah. Okay. This one. This one. It's the first one. Five five zero one. Yeah. We just have the wrong one open. Okay. Yep. I see you. Yeah. Which one were we looking? Just press one. Oh, okay. Bye bye. Bye. Option to provide tax phone number. Yep. Yeah. Yeah. Sign? I saw sign all. I just did sign all. Yep. And then we'll just go the date in it. It'll automatically do it. It's just that. Cool. Validate. Validate. Yep. All done. And this is doing a. It's just taking. Yep. Done. Yep. Yeah. Yeah. Yeah. Usually, like, usually around the time we did today is the better. Thursdays, Fridays is our better days, like yeah. Because I work at the start of the week. I do overnighters. So, usually, like, Thursdays and Fridays is probably the better. In saying that Monday, you'd Mondays, I go to work too. Oh, yeah. But we don't staying to work as well. So Yeah. So Monday is probably another good day. I'm just because I've got a work around sport as well, like, afternoon sports. Let me Yep. Yep. Yeah. I'm still I'm now just finishing up with things. That yeah. It was six to the fourth of June. That's fine. Yep. Yep. Yeah. No. That's it. No. I went pretty good. Yeah. Thank you. Alright. Thank you. Okay. Thank you. Bye. Have a good night. Bye. 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Yeah. Good. Thanks. Yeah.\n\nYep. Yeah. She's here with me. Yep. Yeah.\n\nThat's fine. Yes. Andy. Andrew Jared Williams. Fifteenth of the eighth eighty three.\n\nAnd would you want address? 114 Robertson Road, Kalani Bar. Yeah. Just yeah. Just make it highly.\n\nYeah. No. Nothing's busy. You'll see what happens when we hear what you got to say, I guess, and go for that. Yeah.\n\nYeah. Yep. Yep. Yes. Yeah.\n\nYeah. I've I've got I've got a new employer now. Yeah. Yep. Yep.\n\nIt's got OceanTech Marine. December 1, I think it was. Yeah. It's great. Yep.\n\nYep. Yep. It's about 100. 100 to 9. Yeah.\n\nIt's it's $2 before tax a week. Yep. Yeah. I get overtime. Yeah.\n\nI get overtime. Yeah. Yeah. Yeah. I know he's been doing it because I've been sent on payslip, but I don't know what percentage.\n\nI'll just have a look. No. No. That I'm aware of. No.\n\nYeah. Yeah. Yeah. Okay. No.\n\nNo. No. I'm still the same. That's roughly around that if I don't do overtime. Yeah.\n\nI get I also get salary sacrifice too of 12 and a half grand. So that's paid, like, tax free money. I've got an easy way card. That is that the right? Yeah.\n\nSomewhat. Yeah. Yeah. My my car got ridden off not that long ago. So I got a I got a different car now.\n\nIt's just like, it's the same brand of car. I'm pretty sure it'd be around the same. Yeah. Probably okay. Yeah.\n\nYeah. Just a newer version of it. Just a newer version. Someone rode my car off. Yeah.\n\nI wasn't in it. Just a drunk driver. I just headed out the front of our house. Oh, five more minutes than I would have been. It all got paid out, and then I had to take out another loan to get the new car.\n\nAbout the same? Yeah. It's roughly about the same. Yeah. Just literally just started again.\n\nYeah. Yeah. Yep. Oh, he he wrote off three he wrote off three cars, well, four including his own. So he got my daughter's car, my car, the neighbor's car, and then he totaled his own car.\n\nYep. Besides being besides being drunk and then he got a got charged, she's alright, I suppose. He Yeah. So she she only had third party. So because he was drunk, that was a bit of a mission.\n\nAnd because she was under 21, she couldn't get a higher car, so that was a bit of a mission as well because she's a casual worker. But in the end, the brother came to the party and gave us money to buy her a new car, so it was pretty good. And now she's got full insurance because she was over the shit show. Yeah. It's probably not quite that anymore.\n\nOh, probably 20, I would say. 15, 20, something like that. Yeah. It's nearly paid off. Yeah.\n\nNearly I still only got, like, three or four payments left. Oh, it'd be under a thousand bucks. Yeah. Yeah. Yes.\n\nIt's early June that it's finished. Yeah. Early to mid June. Yeah. So, yeah, it's only 100 and $30 a week.\n\nSo Yeah. About 500. Yeah. No. Not that not that we own.\n\nNo. He's and he's got a work cover that he doesn't pay for it. Oh, we got yeah. We've got all that. In debt?\n\nI no. 7. I'm in a million. 4. 4.\n\nYeah. Probably 10? Yep. Yeah. Roughly.\n\nYep. Yeah. Yep. No. No.\n\nNo. We're all pretty. Alright. I I have ambulance cover. It's only a very brief it's only minor one, I think.\n\nPretty sure it just covers ambulance and maybe some hospital. I'm not sure. Yeah. I've got nothing yet. I'll probably just get ambulance cover.\n\nIt's just too expensive. Like because I gotta do the whole family. So it works out to be bloody 300 a month. I just can't afford it. Yeah.\n\nIt's just something's gotta give. You know what I mean? Like, everything's going up except our page. So yeah. No.\n\nWe just keep forgetting to do that. I think we've got the bar. I don't think we ever got got him in on the part in the box. We just I wish there was a thing where you could just say, I want him to have it all and she wants it's just a pain in the butt. Yeah.\n\nCan we verbally do it? Is it Yeah. And it's gotta be done yearly, hasn't it? Or three years? I said, why not?\n\nYeah. That's what I wanna do. I just wanna do it. Say it once and be done. Yeah.\n\nYeah. Yeah. And just send them out because, yeah, we never got them last time. I can I can print them at work if if you send them to my email? Yep.\n\nDo do we have to send them back, or can I email it back? Okay. And that's the agent. Yeah. Wednesday next door.\n\nYeah. Yeah. Yeah. Yeah. Doesn't really matter.\n\nI'm dead. I know I know if I die tomorrow, I know you're gonna look after the kids, and that's the main priority. So we don't have any house. We don't, like, we rent. We don't have any big massive assets.\n\nSo the main concern would be what looking after our kids. He's gonna do that. He's not a a heartless person, so I really don't care what he does with it, to be honest. What about you? Seven?\n\nYeah. Okay. Yeah. Because my family is a bit money hungry, so let's do that then. Yeah.\n\nJust so just Yeah. Yeah. Just because my family are pricks. I don't think they think they could. Like, I don't think they think they could because we're married anyway, but you just never know with them.\n\nYep. Okay. And is that is that a one off thing as well? Like yeah. Yeah.\n\nYeah. K. Cool. Yeah. No.\n\nDon't. Well, it was, but everything's just got so expensive. We don't even have savings anymore. Rents are so high, and they're probably we're we're sitting at the moment because in July, that'll be in the lease, so we have to see if they're gonna put the rent up or not. Like, we're sitting at 800 a week for a rental, and we don't even like where we are.\n\nBut to go elsewhere, you're looking at over a thousand bucks a week. And I think that's ludicrous spending that on someone else's mortgage. I'd rather spend that on my own mortgage, but yet again, we don't get looked at because we don't have savings. So it's a bit of a catch 22, but I mean, as the kids grow up and they all leave us alone, we'll probably have more income to fiddle around with as we get get there. But, like, I've got a 22 year old almost and a 16 year old and nearly a seven year old.\n\nSo as they grow up and they disperse, our income will come back to us a little bit more. So there's not much we can do about it at the moment. We we really because we we live wake to wake at the moment, but we'd love to change that. But it's certainly getting worse with in this with this government anyway. It's only getting worse.\n\nSo I guess I guess it's hard because every every I get paid fortnightly and it gets paid weekly. So any Andy will out of any pay, we'll pay, like, the rent because that's weekly. And he'll pay his car loan and and his health insurance and stuff. And then I'll do, like, out of my tax free money, I'll do the groceries. And then out of my pay, I'll do, like, my car repayment and all the other bills, like electricity, gas, all the kids' schooling and stuff like that.\n\nAnd then whatever we've got left, we've got left. But so, like, I've got we've got one in year 10, and he's gone on that many damn excursions. And then the school's wanting money every five seconds, so it just changes week to week on on what needs to be paid. You know? So it it gets it gets a bit hard.\n\nBut I give you notice. You only get, like, you get, like, a day's notice or two days notice, and it's $50 for this and a $100 for this and, you know, $50 for photos and representing the school. There's another $20 there, and and it just it's constant every week. So no. They don't.\n\nYeah. And the fact is if if they're representing the school and it's on the coast, then it's up to us to to take them where they need to be. So say my my son represents a school for futsal, I've gotta get him to where they're playing futsal and get him home. Same with when he represents the zone cross country, zone swimming, zone athletics, all that. If it's on the coast, I've gotta get him there and get him home.\n\nThey will if it leaves if it leaves the Central Coast, they will. They'll they'll hire a bus or whatever. But it makes it very hard when you try to work. So luckily, I work night shift. So I can make it work, but, like, me and Andy pretty much tag team.\n\nSo when he's home, I'm at work, and when he's at work, I'm trying to sleep. That never happens. But Well, I got it got to the point where we couldn't get childcare. There was a two year wait for childcare, so I had to leave my job in child like, I was actually a childcare worker. So I had to leave my job and go into disability and and do night shift because we couldn't get anyone to look after our kids.\n\nSo yeah. And if I was to put because at the time when I did it, Alice was a baby, It was gonna cost us more than my wage to put her in five days in the day care with me. So yeah. Yeah. So I decided, okay.\n\nWell, I'll just go get a night job. And I just thought I was gonna go to Kohl's and just stack shelves. You know? And then my my old trainee turned around and said, no. You're better than that.\n\nThere's a new house being built. I'll put your name forward for a job. And then they called me, and then they gave me the job. So I just went into disability, and I just do overnight. So it's it's what what works at the moment.\n\nI I don't like it. Like, it it knocks it knocks me around, but it works. So whatever works has to work at this point in time. So And it's where the money is because it's all overtime. Yeah.\n\nAnd weekends. Yeah. Yeah. You can. You can.\n\nAnd we can sit down and have a look at it and and and see I mean, we've tried like, I paid out I paid out my personal loan, and I vowed I'm not gonna get another one. I shut down the majority of my credit cards. The only credit card I have is Latitude, and that's when, like, we have furniture that decides it's not gonna work anymore and we need to replace it. And it's all, like, it's all, what do you call, interest pay interest free. So that's that's that's that.\n\nAnd then, obviously, I have Afterpay. I think Andy has Afterpay, and he has one purse he has, like, one credit card. So yeah. And then he's trying to get his credit card down, and and and then he's gonna cancel his too. So but I got rid of, yeah, I got rid of my credit my personal credit card years ago.\n\nYeah. So Yeah. Well, his car he'll save a $130 there, and then we wanna sell that car because he's gotta work me for now. We're just we're just waiting. His boss is upgrading his car because he's got a dual cab Ute where Andy doesn't have.\n\nHe's just got a single cab. So when Andy gets the dual cab, we'll be able to sell Andy's car because we need the dual cab for the kids when I'm at work. So when we do that, then Andy will try and sell his car, and then we're gonna try and get rid of some of our debt, and that'll put us in a better position again. So yeah. You say you go we say we're gonna do all this stuff and then other shit happens and or they decide every time when we get in a good position and we think, oh, yeah.\n\nFinally, we're getting a little bit at a they go, oh, you need to move. And then every time we move, it's $6,000. Yeah. Or at it's just just putting down a bond is over 3 and a half grand. Like, that's just your bond, and then you gotta have your two weeks in advance, and then you all the extra start yeah.\n\nIt's like a removalist is a couple of grand, and, yeah, it's just full on. Yeah. Yeah. Yeah. Andy Andy got luck Andy got lucky because he got a with this new job, he got a work vehicle.\n\nSo that freed up a lot of he's but he barely has to put petrol in his fuel in his company. Yeah. Yeah. Well, he's caused diesel too, so that that made it hard. But Yeah.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Too easy. No. No. No.\n\nIt'd be nice if we won Lotto. That would be nice. That'd be a good change. It is 40 million tonight. Yep.\n\nYeah. 40 mil. We need a financial adviser. Yeah. Yep.\n\nYep. No. My son hassles us to do it, but we don't do it. Look. I think we won't have a choice.\n\nI think that's just we may even have to work longer. Unless, like I said, like, unless we come into some sort of money, I think everyone's gonna get to a point where they're just gonna have to keep working a little bit longer. We all hope we don't have to work tomorrow, but, you know, at some at this point in time, that that pretty much looks like it's gonna happen. We're gonna be, like, close to the 70, but we don't want to. But it just that that looks like that's gonna be the reality of it.\n\nYeah. Is that a way? Yeah. Oh, no. I don't even get that.\n\nI don't even get that now. That's that's pretty high. I I only get a thousand dollars a week now. And, Andy, what do you get? 1,500 take home.\n\nAnd Andy's on 1,500 take home. So we should probably go a little bit less than that. And with and and and as the as the time go like, we're gonna have less kids, we're hoping to downsize the size of the house so we can save in like, so as the kids leave home, I mean, we're hoping. We've still got them all home at the moment. But as they leave, we can downsize to a three bedroom, you know, and and and work our way down.\n\nAnd, hopefully, the rent will will decrease as well. So, yeah, so that that scenario of by the time we were retired, we're not gonna have kids to have to support, so we could probably live off a lot less. Yeah. I reckon. Yeah.\n\nI reckon. Yeah. Depending on if the as long as on the provider, the rents don't go through the roof. That that should be sufficient. Yeah.\n\nAt the moment, because well, this is me. Anyone have a different thing, but because I've got the kids, I I I'll go a small risk. As as the kids obviously get older and they bugger off and we don't have them as liability, then I'd probably take a bigger risk. But whenever I've got the kids and they need looking after, I probably, yeah, stick to a low risk. What about you?\n\nMedium. You've got more money to play with. Yeah. Probably. A a medium?\n\nAny micro medium? Yeah. I haven't thought about it, to be honest. I just usually let you guys sit and see how things go and then Yeah. Yeah.\n\nAnd then just, you know, if if after a bit more time, it's still not changing, then Like, you know it's gonna go up and down. That's the given. Like, it it always goes up and down and usually balances back out again. But, I mean, your team's usually under it pretty quick anyway and shift things around and stuff. Yeah.\n\nYep. Trying to look here at time when I suppose. I wouldn't freak out too quickly. Yeah. Yeah.\n\nAnd it depends on the time period. Like, if it's if it starts like, if we're if we're getting, you know, after sort of the six month mark and it's looking horrible or or whatever, but we we'd obviously look at other things. But if it's only, like, a month or two and and it's and it's like I just sit for a little bit and see what happened. I don't really know much stuff. Have on the stuff.\n\nYeah. I'd have to it'd be something I wouldn't do it yet. Like, I've I've I've heard good and bad things about it, so I'm very perplexed about about doing it. And, you know, I know people that have done it, and it it worked good for them. And his parents have done it at at some point.\n\nMy son always is to do it though. Yeah. My son encourages me to do it all the time because he's learning about it at school. I don't know enough about it, I'll be honest. But it it's something that I'd have to really know the ins and outs of before I could make a decision on whether it was for us or not.\n\nBut because yeah. Mister. Yeah. Of course. Yeah.\n\nI mean, if it was if it was looking good and it and it was a good opportunity, we may. Yeah? Yeah. Yep. Yep.\n\nLike, our main to be honest with you, our main goal that we've always wanted is to have a house. But just in this day and age and the way housing prices are and that, we know at this point in time, that's not gonna be viable for us at this point in time. Situations change, and, you know, we've got some kids that are getting to the to the age where they could leave, and we can look at, you know, downsizing in house and saving money in bits and place piece. So it could eventually happen. You know what I mean?\n\nBut we just know at this point in time, there's no point because we don't have any spare money to even put away. So there's no point talking to a financial adviser or or or or a mortgage broker or anything like that because we know the answer is gonna be no because we've got no savings and everything's tight. But give it another five years or three years or whatever, that could be a totally different scenario because we have a 22 year old and a 16 year old. You know what I mean? So their their situations could change, which means our situation could change.\n\nYeah. Yes. Yes. Yes. Yeah.\n\nNo. Not really. No. That's why I don't. Growth usually means a good thing, though.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nI think that's all done. Yep. Yeah. Just send it to mine, to hayley underscore patricia. Yeah.\n\nOkay. I'll have a look. I'll have a look. Okay. There's nothing there.\n\nGoing to inbox. Going to other. Nothing's come into mine at all. Let me have a look. I've looked at did you send it to Hailey_Patricia@Hotmail?\n\nYep. Yeah. I haven't got anything. I've looked in everything. What's the I do have something here for you.\n\nWhat's this one? The sign and request annual review 20 that's the one? Yep. Yeah. Yeah.\n\nThat's fine. Yeah. Did it go into your app store, or did it Yeah. It's just a normal. Yeah.\n\nI haven't got anything. Mhmm. Mhmm. Yeah. Yep.\n\nOh, it comes through. Yeah. Mine comes through. Yeah. Yep.\n\nYep. Yeah. Yeah. There's, like, six of them or something. Yep.\n\nYep. Yep. Yes. Yeah. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nI'm just trying to get out of that. K. But oh, okay. Yeah. That's it.\n\nYep. Summary one. That one, the third one. Yep. Yeah.\n\nYep. I've got mine now. Yep. Yeah. I think so.\n\nYeah. Yep. Yep. Yeah. I think so.\n\nI think so. Yeah. Yeah. Yeah. Yeah.\n\nNo. It's not Good. Solve it. Yep. Twelve month hub 24.\n\nIs that yeah. Yep. Got that up. Yeah. Yes.\n\nYep. Yep. Yep. Yeah. Yes.\n\nMhmm. Yeah. Yeah. Yeah. They usually just swap them out anyway.\n\nHalf the time, I don't even know what to swap them out with. They just watch it and swap it. And so I'm I'm happy to for them to do whatever. Yeah. Okay.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nOh, you don't have it? Yeah. Good. Yeah. It's the guy service guy.\n\nYeah. Yeah. Okay. This one. This one.\n\nIt's the first one. Five five zero one. Yeah. We just have the wrong one open. Okay.\n\nYep. I see you. Yeah. Which one were we looking? Just press one.\n\nOh, okay. Bye bye. Bye. Option to provide tax phone number. Yep.\n\nYeah. Yeah. Sign? I saw sign all. I just did sign all.\n\nYep. And then we'll just go the date in it. It'll automatically do it. It's just that. Cool.\n\nValidate. Validate. Yep. All done. And this is doing a.\n\nIt's just taking. Yep. Done. Yep. Yeah.\n\nYeah. Yeah. Usually, like, usually around the time we did today is the better. Thursdays, Fridays is our better days, like yeah. Because I work at the start of the week.\n\nI do overnighters. So, usually, like, Thursdays and Fridays is probably the better. In saying that Monday, you'd Mondays, I go to work too. Oh, yeah. But we don't staying to work as well.\n\nSo Yeah. So Monday is probably another good day. I'm just because I've got a work around sport as well, like, afternoon sports. Let me Yep. Yep.\n\nYeah. I'm still I'm now just finishing up with things. That yeah. It was six to the fourth of June. That's fine.\n\nYep. Yep. Yeah. No. That's it.\n\nNo. I went pretty good. Yeah. Thank you. Alright.\n\nThank you. Okay. Thank you. Bye. Have a good night.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.035849519073963165},{"text":"Yeah.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.15744498372077942},{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"positive","sentiment_score":0.4257148206233978},{"text":"Thanks.","start":8.24,"end":8.74,"sentiment":"positive","sentiment_score":0.44851189851760864},{"text":"Yeah.","start":15.8550005,"end":16.355,"sentiment":"neutral","sentiment_score":0.10482712090015411}],"sentiment":"neutral","sentiment_score":0.23446966856718063,"num_words":5,"start":0.64,"end":16.355},{"sentences":[{"text":"Yep.","start":16.495,"end":16.995,"sentiment":"neutral","sentiment_score":0.08084587007761002},{"text":"Yeah.","start":18.975,"end":19.295,"sentiment":"neutral","sentiment_score":0.06014071777462959},{"text":"She's here with me.","start":19.295,"end":20.015,"sentiment":"neutral","sentiment_score":0.07198017090559006},{"text":"Yep.","start":20.015,"end":20.515,"sentiment":"neutral","sentiment_score":0.06548042595386505},{"text":"Yeah.","start":31.31,"end":31.55,"sentiment":"neutral","sentiment_score":0.09849779307842256}],"sentiment":"neutral","sentiment_score":0.07411068631336093,"num_words":8,"start":16.495,"end":31.55},{"sentences":[{"text":"That's fine.","start":31.55,"end":32.29,"sentiment":"neutral","sentiment_score":0.1579952910542488},{"text":"Yes.","start":32.59,"end":33.09,"sentiment":"neutral","sentiment_score":0.17213992774486542},{"text":"Andy.","start":44.815002,"end":45.315002,"sentiment":"neutral","sentiment_score":0.030894406139850616},{"text":"Andrew Jared Williams.","start":53.21,"end":54.51,"sentiment":"neutral","sentiment_score":0.014700830603639284},{"text":"Fifteenth of the eighth eighty three.","start":54.57,"end":56.59,"sentiment":"neutral","sentiment_score":0.026700719570120175}],"sentiment":"neutral","sentiment_score":0.05564090194037327,"num_words":13,"start":31.55,"end":56.59},{"sentences":[{"text":"And would you want address?","start":57.29,"end":58.51,"sentiment":"neutral","sentiment_score":0.017307659424841405},{"text":"114 Robertson Road, Kalani Bar.","start":60.17,"end":63.07,"sentiment":"neutral","sentiment_score":0.030186233296990394},{"text":"Yeah.","start":68.595,"end":68.675,"sentiment":"neutral","sentiment_score":0.14098691940307617},{"text":"Just yeah.","start":68.675,"end":69.395004,"sentiment":"neutral","sentiment_score":0.1792708933353424},{"text":"Just make it highly.","start":69.395004,"end":70.455,"sentiment":"neutral","sentiment_score":0.2821723259985447}],"sentiment":"neutral","sentiment_score":0.10974632198100581,"num_words":17,"start":57.29,"end":70.455},{"sentences":[{"text":"Yeah.","start":73.315,"end":73.815,"sentiment":"neutral","sentiment_score":0.3178570866584778},{"text":"No.","start":91.07,"end":91.31,"sentiment":"neutral","sentiment_score":-0.09157215058803558},{"text":"Nothing's busy.","start":91.31,"end":92.03,"sentiment":"neutral","sentiment_score":-0.08904706314206123},{"text":"You'll see what happens when we hear what you got to say, I guess, and go for that.","start":92.03,"end":95.49,"sentiment":"neutral","sentiment_score":-0.042428136285808354},{"text":"Yeah.","start":98.775,"end":99.175,"sentiment":"neutral","sentiment_score":0.06288370490074158}],"sentiment":"neutral","sentiment_score":-0.02837530167206474,"num_words":23,"start":73.315,"end":99.175},{"sentences":[{"text":"Yeah.","start":99.175,"end":99.675,"sentiment":"neutral","sentiment_score":0.0644308403134346},{"text":"Yep.","start":114.71999,"end":115.21999,"sentiment":"neutral","sentiment_score":0.02303113229572773},{"text":"Yep.","start":119.439995,"end":119.939995,"sentiment":"neutral","sentiment_score":0.017381614074110985},{"text":"Yes.","start":132.805,"end":133.305,"sentiment":"neutral","sentiment_score":0.045713283121585846},{"text":"Yeah.","start":142.03,"end":142.53,"sentiment":"neutral","sentiment_score":-0.0013131997548043728}],"sentiment":"neutral","sentiment_score":0.02984873401001096,"num_words":5,"start":99.175,"end":142.53},{"sentences":[{"text":"Yeah.","start":142.83,"end":142.98999,"sentiment":"neutral","sentiment_score":0.005406854674220085},{"text":"I've I've got I've got a new employer now.","start":142.98999,"end":145.40999,"sentiment":"neutral","sentiment_score":0.0029057603872691593},{"text":"Yeah.","start":148.11,"end":148.61,"sentiment":"neutral","sentiment_score":0.006501467432826757},{"text":"Yep.","start":149.70999,"end":150.20999,"sentiment":"neutral","sentiment_score":0.007826476357877254},{"text":"Yep.","start":151.06999,"end":151.455,"sentiment":"neutral","sentiment_score":0.01053686998784542}],"sentiment":"neutral","sentiment_score":0.004340270149091689,"num_words":13,"start":142.83,"end":151.455},{"sentences":[{"text":"It's got OceanTech Marine.","start":153.215,"end":154.675,"sentiment":"neutral","sentiment_score":0.029072266072034836},{"text":"December 1, I think it was.","start":160.41501,"end":162.195,"sentiment":"neutral","sentiment_score":0.012617163360118866},{"text":"Yeah.","start":165.375,"end":165.615,"sentiment":"positive","sentiment_score":0.3830718398094177},{"text":"It's great.","start":165.615,"end":166.355,"sentiment":"positive","sentiment_score":0.6169733703136444},{"text":"Yep.","start":169.34999,"end":169.84999,"sentiment":"neutral","sentiment_score":0.06846153736114502}],"sentiment":"neutral","sentiment_score":0.13410515444619314,"num_words":14,"start":153.215,"end":169.84999},{"sentences":[{"text":"Yep.","start":175.03,"end":175.53,"sentiment":"neutral","sentiment_score":0.023436522111296657},{"text":"Yep.","start":176.95,"end":177.45,"sentiment":"neutral","sentiment_score":0.015519857406616213},{"text":"It's about 100.","start":178.15,"end":179.37,"sentiment":"neutral","sentiment_score":0.007829683988044659},{"text":"100 to 9.","start":180.32501,"end":181.38501,"sentiment":"neutral","sentiment_score":0.01560648437589407},{"text":"Yeah.","start":181.445,"end":181.845,"sentiment":"neutral","sentiment_score":0.04296820983290672}],"sentiment":"neutral","sentiment_score":0.016914788271403976,"num_words":9,"start":175.03,"end":181.845},{"sentences":[{"text":"It's it's $2 before tax a week.","start":181.845,"end":184.82501,"sentiment":"neutral","sentiment_score":0.06902072738323893},{"text":"Yep.","start":186.40501,"end":186.90501,"sentiment":"neutral","sentiment_score":0.10106303542852402},{"text":"Yeah.","start":192.93,"end":193.25,"sentiment":"neutral","sentiment_score":0.02569565922021866},{"text":"I get 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still the same.","start":248.485,"end":249.545,"sentiment":"neutral","sentiment_score":0.006003881338983773},{"text":"That's roughly around that if I don't do overtime.","start":255.97,"end":258.39,"sentiment":"neutral","sentiment_score":0.18235709766546884},{"text":"Yeah.","start":268.70502,"end":269.20502,"sentiment":"neutral","sentiment_score":0.10151225328445436}],"sentiment":"neutral","sentiment_score":0.10339711618144065,"num_words":16,"start":242.485,"end":269.20502},{"sentences":[{"text":"I get I also get salary sacrifice too of 12 and a half grand.","start":270.945,"end":276.325,"sentiment":"neutral","sentiment_score":0.16925086506775447},{"text":"So that's paid, like, tax free money.","start":277.905,"end":280.405,"sentiment":"neutral","sentiment_score":0.21122960533414567},{"text":"I've got an easy way card.","start":284.13998,"end":285.76,"sentiment":"neutral","sentiment_score":0.17008130004008612},{"text":"That is that the 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like, three or four payments left.","start":453.91,"end":456.97,"sentiment":"neutral","sentiment_score":-0.11292916333133524},{"text":"Oh, it'd be under a thousand bucks.","start":460.55002,"end":462.49002,"sentiment":"neutral","sentiment_score":0.0018330403337521212},{"text":"Yeah.","start":464.07,"end":464.57,"sentiment":"neutral","sentiment_score":0.0105989221483469},{"text":"Yeah.","start":469.52502,"end":470.02502,"sentiment":"neutral","sentiment_score":0.00669281929731369},{"text":"Yes.","start":470.885,"end":471.36502,"sentiment":"neutral","sentiment_score":0.04736309498548508}],"sentiment":"neutral","sentiment_score":-0.05546355608939415,"num_words":21,"start":453.91,"end":471.36502},{"sentences":[{"text":"It's early June that it's finished.","start":471.36502,"end":473.625,"sentiment":"neutral","sentiment_score":0.05837020898858706},{"text":"Yeah.","start":473.765,"end":474.08502,"sentiment":"neutral","sentiment_score":0.03403043746948242},{"text":"Early to mid 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all pretty.","start":552.24,"end":553.22003,"sentiment":"neutral","sentiment_score":0.02969670295715332},{"text":"Alright.","start":554.325,"end":554.825,"sentiment":"neutral","sentiment_score":0.23635241389274597},{"text":"I I have ambulance cover.","start":560.885,"end":562.745,"sentiment":"neutral","sentiment_score":0.02110733389854431},{"text":"It's only a very brief it's only minor one, I think.","start":568.82996,"end":571.97,"sentiment":"neutral","sentiment_score":-0.04163498973304575}],"sentiment":"neutral","sentiment_score":-0.004687552295979999,"num_words":21,"start":551.92004,"end":571.97},{"sentences":[{"text":"Pretty sure it just covers ambulance and maybe some hospital.","start":572.51,"end":577.38995,"sentiment":"neutral","sentiment_score":-0.03434028662741184},{"text":"I'm not 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week.","start":966.02,"end":969.80005,"sentiment":"neutral","sentiment_score":-0.2491426273034169},{"text":"And I think that's ludicrous spending that on someone else's mortgage.","start":969.94,"end":973.56,"sentiment":"negative","sentiment_score":-0.6617835570465435},{"text":"I'd rather spend that on my own mortgage, but yet again, we don't get looked at because we don't have savings.","start":973.575,"end":981.97504,"sentiment":"neutral","sentiment_score":-0.3012399637982959},{"text":"So it's a bit of a catch 22, but I mean, as the kids grow up and they all leave us alone, we'll probably have more income to fiddle around with as we get get there.","start":981.97504,"end":994.36,"sentiment":"neutral","sentiment_score":-0.13008757142557037},{"text":"But, like, I've got a 22 year old almost and a 16 year old and nearly a seven year old.","start":994.36,"end":1000.51996,"sentiment":"neutral","sentiment_score":-0.0971529521048069}],"sentiment":"neutral","sentiment_score":-0.23238340728353746,"num_words":101,"start":966.02,"end":1000.51996},{"sentences":[{"text":"So as they grow up and they disperse, our income will come back to us a little bit more.","start":1000.51996,"end":1005.895,"sentiment":"neutral","sentiment_score":0.045386173811398055},{"text":"So there's not much we can do about it at the moment.","start":1005.895,"end":1010.455,"sentiment":"neutral","sentiment_score":-0.31341507968803245},{"text":"We we really because we we live wake to wake at the moment, but we'd love to change that.","start":1010.455,"end":1017.27,"sentiment":"neutral","sentiment_score":-0.18094877035994278},{"text":"But it's certainly getting worse with in this with this government anyway.","start":1017.57,"end":1021.97003,"sentiment":"negative","sentiment_score":-0.5712757296860218},{"text":"It's only getting worse.","start":1021.97003,"end":1023.19,"sentiment":"negative","sentiment_score":-0.5115641430020332}],"sentiment":"neutral","sentiment_score":-0.23088235786241113,"num_words":66,"start":1000.51996,"end":1023.19},{"sentences":[{"text":"So I guess I guess it's hard because every every I get paid fortnightly and it gets paid weekly.","start":1024.29,"end":1043.395,"sentiment":"neutral","sentiment_score":-0.2466584287191692},{"text":"So any Andy will out of any pay, we'll pay, like, the rent because that's weekly.","start":1044.0701,"end":1049.6901,"sentiment":"neutral","sentiment_score":0.0357855899783317},{"text":"And he'll pay his car loan and and his health insurance and stuff.","start":1051.5901,"end":1058.385,"sentiment":"neutral","sentiment_score":0.14534753561019897},{"text":"And then I'll do, like, out of my tax free money, I'll do the groceries.","start":1058.465,"end":1064.645,"sentiment":"neutral","sentiment_score":0.12853884994983672},{"text":"And then out of my pay, I'll do, like, my car repayment and all the other bills, like electricity, gas, all the kids' schooling and stuff like that.","start":1064.785,"end":1074.57,"sentiment":"neutral","sentiment_score":0.08703292467232261}],"sentiment":"neutral","sentiment_score":0.023522877988947945,"num_words":91,"start":1024.29,"end":1074.57},{"sentences":[{"text":"And then whatever we've got left, we've got left.","start":1074.57,"end":1077.13,"sentiment":"neutral","sentiment_score":-0.00286669558328059},{"text":"But so, like, I've got we've got one in year 10, and he's gone on that many damn excursions.","start":1077.13,"end":1083.7899,"sentiment":"neutral","sentiment_score":-0.04184700480025066},{"text":"And then the school's wanting money every five seconds, so it just changes week to week on on what needs to be paid.","start":1084.01,"end":1091.835,"sentiment":"neutral","sentiment_score":-0.06314469436588495},{"text":"You know?","start":1091.835,"end":1092.495,"sentiment":"neutral","sentiment_score":-0.021852344274520874},{"text":"So it it gets it gets a bit hard.","start":1092.5549,"end":1095.535,"sentiment":"neutral","sentiment_score":-0.03523981695373853}],"sentiment":"neutral","sentiment_score":-0.04248523166132791,"num_words":62,"start":1074.57,"end":1095.535},{"sentences":[{"text":"But I give you notice.","start":1098.24,"end":1099.4401,"sentiment":"neutral","sentiment_score":-0.018588366359472273},{"text":"You only get, like, you get, like, a day's notice or two days notice, and it's $50 for this and a $100 for this and, you know, $50 for photos and representing the school.","start":1099.4401,"end":1110.3201,"sentiment":"neutral","sentiment_score":0.03285306152504157},{"text":"There's another $20 there, and and it just it's constant every week.","start":1110.3201,"end":1114.285,"sentiment":"neutral","sentiment_score":-0.18254815290371576},{"text":"So no.","start":1114.285,"end":1117.5651,"sentiment":"neutral","sentiment_score":-0.07376782223582268},{"text":"They don't.","start":1117.5651,"end":1118.305,"sentiment":"neutral","sentiment_score":-0.2178589627146721}],"sentiment":"neutral","sentiment_score":-0.03181398444893685,"num_words":55,"start":1098.24,"end":1118.305},{"sentences":[{"text":"Yeah.","start":1122.8451,"end":1123.3451,"sentiment":"neutral","sentiment_score":-0.19740864634513855},{"text":"And the fact is if if they're representing the school and it's on the coast, then it's up to us to to take them where they need to be.","start":1126.285,"end":1138.79,"sentiment":"neutral","sentiment_score":-0.10713155927329228},{"text":"So say my my son represents a school for futsal, I've gotta get him to where they're playing futsal and get him home.","start":1138.79,"end":1146.745,"sentiment":"neutral","sentiment_score":0.06700218792842783},{"text":"Same with when he represents the zone cross country, zone swimming, zone 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yeah.","start":1221.7301,"end":1225.75,"sentiment":"neutral","sentiment_score":-0.0718696154654026},{"text":"Yeah.","start":1231.4851,"end":1231.885,"sentiment":"neutral","sentiment_score":-0.018556371331214905},{"text":"So I decided, okay.","start":1231.885,"end":1233.0851,"sentiment":"neutral","sentiment_score":0.054720764979720116}],"sentiment":"neutral","sentiment_score":-0.24046796032538018,"num_words":48,"start":1204.365,"end":1233.0851},{"sentences":[{"text":"Well, I'll just go get a night job.","start":1233.0851,"end":1234.685,"sentiment":"neutral","sentiment_score":0.13353357929736376},{"text":"And I just thought I was gonna go to Kohl's and just stack shelves.","start":1234.685,"end":1237.5651,"sentiment":"neutral","sentiment_score":0.02906454753662859},{"text":"You know?","start":1237.5651,"end":1238.2251,"sentiment":"neutral","sentiment_score":-0.006827407516539096},{"text":"And then my my old trainee turned around and said, no.","start":1238.4451,"end":1242.25,"sentiment":"neutral","sentiment_score":-0.1342171108858152},{"text":"You're better than that.","start":1242.25,"end":1243.3899,"sentiment":"neutral","sentiment_score":-0.1922558657824993}],"sentiment":"neutral","sentiment_score":-0.020099851231162365,"num_words":39,"start":1233.0851,"end":1243.3899},{"sentences":[{"text":"There's a new house being built.","start":1243.7699,"end":1245.2899,"sentiment":"neutral","sentiment_score":0.004429529110590617},{"text":"I'll put your name forward for a job.","start":1245.2899,"end":1247.7699,"sentiment":"neutral","sentiment_score":0.030814722646027803},{"text":"And then they called me, and then they gave me the job.","start":1247.7699,"end":1249.9299,"sentiment":"neutral","sentiment_score":-0.03131016343832016},{"text":"So I just went into disability, and I just do overnight.","start":1249.9299,"end":1253.23,"sentiment":"neutral","sentiment_score":-0.02151877416128462},{"text":"So it's it's what what works at the moment.","start":1253.45,"end":1257.375,"sentiment":"neutral","sentiment_score":-0.051286299195554524}],"sentiment":"neutral","sentiment_score":-0.017411091607873855,"num_words":46,"start":1243.7699,"end":1257.375},{"sentences":[{"text":"I I don't like it.","start":1257.6749,"end":1259.0349,"sentiment":"negative","sentiment_score":-0.5702905535697937},{"text":"Like, it it knocks it knocks me around, but it works.","start":1259.0349,"end":1263.615,"sentiment":"negative","sentiment_score":-0.3486427427692847},{"text":"So whatever works has to work at this point in time.","start":1263.835,"end":1266.815,"sentiment":"neutral","sentiment_score":-0.14595413478938016},{"text":"So And it's where the money is because it's all overtime.","start":1267.5149,"end":1273.9299,"sentiment":"neutral","sentiment_score":-0.1220776072957299},{"text":"Yeah.","start":1274.57,"end":1275.07,"sentiment":"neutral","sentiment_score":0.005947494879364967}],"sentiment":"neutral","sentiment_score":-0.24689550272738323,"num_words":39,"start":1257.6749,"end":1275.07},{"sentences":[{"text":"And weekends.","start":1275.53,"end":1276.35,"sentiment":"neutral","sentiment_score":0.001856887713074684},{"text":"Yeah.","start":1279.21,"end":1279.71,"sentiment":"neutral","sentiment_score":0.004766058176755905},{"text":"Yeah.","start":1288.165,"end":1288.405,"sentiment":"neutral","sentiment_score":0.05195720121264458},{"text":"You can.","start":1288.405,"end":1289.045,"sentiment":"neutral","sentiment_score":0.0818454697728157},{"text":"You 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easy.","start":1531.1599,"end":1531.82,"sentiment":"neutral","sentiment_score":0.25807322561740875},{"text":"No.","start":1536.6,"end":1537.0,"sentiment":"neutral","sentiment_score":-0.03859991952776909},{"text":"No.","start":1537.0,"end":1537.5,"sentiment":"neutral","sentiment_score":-0.031112127006053925},{"text":"No.","start":1537.665,"end":1538.0651,"sentiment":"neutral","sentiment_score":-0.03751498460769653}],"sentiment":"neutral","sentiment_score":0.09214338846504688,"num_words":6,"start":1531.0,"end":1538.0651},{"sentences":[{"text":"It'd be nice if we won Lotto.","start":1538.0651,"end":1539.505,"sentiment":"neutral","sentiment_score":0.21271815576723643},{"text":"That would be nice.","start":1539.505,"end":1540.305,"sentiment":"positive","sentiment_score":0.5592598021030426},{"text":"That'd be a good change.","start":1540.305,"end":1541.525,"sentiment":"positive","sentiment_score":0.5426431894302368},{"text":"It is 40 million tonight.","start":1541.905,"end":1543.525,"sentiment":"neutral","sentiment_score":0.15272492468357085},{"text":"Yep.","start":1543.8251,"end":1544.3251,"sentiment":"neutral","sentiment_score":0.06092783436179161}],"sentiment":"neutral","sentiment_score":0.33017430471425707,"num_words":22,"start":1538.0651,"end":1544.3251},{"sentences":[{"text":"Yeah.","start":1545.8251,"end":1546.145,"sentiment":"neutral","sentiment_score":0.01634245179593563},{"text":"40 mil.","start":1546.145,"end":1546.885,"sentiment":"neutral","sentiment_score":0.019436791073530912},{"text":"We need a financial adviser.","start":1552.96,"end":1554.5,"sentiment":"neutral","sentiment_score":0.0027880515903234483},{"text":"Yeah.","start":1558.24,"end":1558.74,"sentiment":"neutral","sentiment_score":0.008054353296756744},{"text":"Yep.","start":1577.695,"end":1578.195,"sentiment":"neutral","sentiment_score":0.10356836020946504}],"sentiment":"neutral","sentiment_score":0.018077900540083645,"num_words":10,"start":1545.8251,"end":1578.195},{"sentences":[{"text":"Yep.","start":1584.18,"end":1584.68,"sentiment":"neutral","sentiment_score":0.00793767161667347},{"text":"No.","start":1601.755,"end":1602.255,"sentiment":"neutral","sentiment_score":-0.1827140748500824},{"text":"My son hassles us to do it, but we don't do it.","start":1603.995,"end":1607.0549,"sentiment":"neutral","sentiment_score":-0.2888600404063861},{"text":"Look.","start":1620.14,"end":1620.64,"sentiment":"neutral","sentiment_score":-0.04103786125779152},{"text":"I think we won't have a choice.","start":1620.78,"end":1622.64,"sentiment":"negative","sentiment_score":-0.5325500411646706}],"sentiment":"negative","sentiment_score":-0.33681750170547853,"num_words":22,"start":1584.18,"end":1622.64},{"sentences":[{"text":"I think that's just we may even have to work longer.","start":1622.985,"end":1625.965,"sentiment":"negative","sentiment_score":-0.4078896858475425},{"text":"Unless, like I said, like, unless we come into some sort of money, I think everyone's gonna get to a point where they're just gonna have to keep working a little bit longer.","start":1626.425,"end":1634.125,"sentiment":"negative","sentiment_score":-0.40355621233130945},{"text":"We all hope we don't have to work tomorrow, but, you know, at some at this point in time, that that pretty much looks like it's gonna happen.","start":1635.385,"end":1644.23,"sentiment":"neutral","sentiment_score":-0.15659328656537191},{"text":"We're gonna be, like, close to the 70, but we don't want to.","start":1644.23,"end":1649.11,"sentiment":"neutral","sentiment_score":-0.1686461132306319},{"text":"But it just that that looks like that's gonna be the reality of it.","start":1649.11,"end":1652.865,"sentiment":"neutral","sentiment_score":0.0015580936201981146}],"sentiment":"neutral","sentiment_score":-0.2460539367313337,"num_words":99,"start":1622.985,"end":1652.865},{"sentences":[{"text":"Yeah.","start":1661.505,"end":1662.005,"sentiment":"neutral","sentiment_score":0.17389899492263794},{"text":"Is that a way?","start":1679.08,"end":1680.14,"sentiment":"neutral","sentiment_score":-0.09395359829068184},{"text":"Yeah.","start":1682.415,"end":1682.915,"sentiment":"neutral","sentiment_score":-0.012687241658568382},{"text":"Oh, no.","start":1684.9751,"end":1685.4551,"sentiment":"neutral","sentiment_score":-0.204916812479496},{"text":"I don't even get that.","start":1685.4551,"end":1686.4951,"sentiment":"neutral","sentiment_score":-0.3123920142650604}],"sentiment":"neutral","sentiment_score":-0.16818433355253476,"num_words":13,"start":1661.505,"end":1686.4951},{"sentences":[{"text":"I don't even get that now.","start":1686.4951,"end":1687.8551,"sentiment":"negative","sentiment_score":-0.5313923358917236},{"text":"That's that's pretty high.","start":1687.8551,"end":1689.555,"sentiment":"negative","sentiment_score":-0.6190551966428757},{"text":"I I only get a thousand dollars a week now.","start":1689.8551,"end":1693.055,"sentiment":"negative","sentiment_score":-0.363535575568676},{"text":"And, Andy, what do you get?","start":1693.055,"end":1694.675,"sentiment":"neutral","sentiment_score":-0.03633744828402996},{"text":"1,500 take home.","start":1695.5599,"end":1697.1799,"sentiment":"neutral","sentiment_score":-0.007389482731620471}],"sentiment":"neutral","sentiment_score":-0.3289697826037119,"num_words":29,"start":1686.4951,"end":1697.1799},{"sentences":[{"text":"And Andy's on 1,500 take home.","start":1697.4,"end":1699.48,"sentiment":"neutral","sentiment_score":-0.008840102857599655},{"text":"So we should probably go a little bit less than that.","start":1699.48,"end":1702.14,"sentiment":"neutral","sentiment_score":-0.08843267167156393},{"text":"And with and and and as the as the time go like, we're gonna have less kids, we're hoping to downsize the size of the house so we can save in like, so as the kids leave home, I mean, we're hoping.","start":1702.52,"end":1715.135,"sentiment":"neutral","sentiment_score":0.023564347908610388},{"text":"We've still got them all home at the moment.","start":1715.1951,"end":1717.1151,"sentiment":"neutral","sentiment_score":0.05247266238762273},{"text":"But as they leave, we can downsize to a three bedroom, you know, and and and work our way down.","start":1717.1151,"end":1721.995,"sentiment":"neutral","sentiment_score":0.0377806356176734}],"sentiment":"neutral","sentiment_score":0.01354283273262395,"num_words":88,"start":1697.4,"end":1721.995},{"sentences":[{"text":"And, hopefully, the rent will will decrease as well.","start":1721.995,"end":1725.915,"sentiment":"neutral","sentiment_score":-0.060695510564578906},{"text":"So, yeah, so that that scenario of by the time we were retired, we're not gonna have kids to have to support, so we could probably live off a lot less.","start":1725.915,"end":1738.39,"sentiment":"neutral","sentiment_score":-0.09379886180883454},{"text":"Yeah.","start":1741.185,"end":1741.665,"sentiment":"neutral","sentiment_score":-0.008807007223367691},{"text":"I 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sufficient.","start":1749.5851,"end":1750.885,"sentiment":"neutral","sentiment_score":0.17618574500083922},{"text":"Yeah.","start":1751.025,"end":1751.525,"sentiment":"neutral","sentiment_score":0.1390475332736969}],"sentiment":"neutral","sentiment_score":0.03179684438957618,"num_words":26,"start":1743.905,"end":1751.525},{"sentences":[{"text":"At the moment, because well, this is me.","start":1771.385,"end":1773.785,"sentiment":"neutral","sentiment_score":-0.089905078522861},{"text":"Anyone have a different thing, but because I've got the kids, I I I'll go a small risk.","start":1773.785,"end":1780.045,"sentiment":"neutral","sentiment_score":-0.14034295247660744},{"text":"As as the kids obviously get older and they bugger off and we don't have them as liability, then I'd probably take a bigger risk.","start":1781.6799,"end":1789.46,"sentiment":"neutral","sentiment_score":-0.270354368686676},{"text":"But whenever I've got the kids and they need looking after, I probably, yeah, stick to 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us at this point in time.","start":2081.835,"end":2092.68,"sentiment":"negative","sentiment_score":-0.38059819708852205},{"text":"Situations change, and, you know, we've got some kids that are getting to the to the age where they could leave, and we can look at, you know, downsizing in house and saving money in bits and place piece.","start":2094.1199,"end":2108.535,"sentiment":"neutral","sentiment_score":0.01108285373984239},{"text":"So it could eventually happen.","start":2108.535,"end":2110.2148,"sentiment":"neutral","sentiment_score":0.009849167615175246},{"text":"You know what I mean?","start":2110.2148,"end":2111.175,"sentiment":"neutral","sentiment_score":-0.04887048676609993}],"sentiment":"neutral","sentiment_score":-0.13242978170441772,"num_words":103,"start":2075.54,"end":2111.175},{"sentences":[{"text":"But we just know at this point in time, there's no point because we don't have any spare money to even put 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change.","start":2141.285,"end":2146.825,"sentiment":"neutral","sentiment_score":-0.10964871135850747}],"sentiment":"neutral","sentiment_score":-0.18691483730119524,"num_words":107,"start":2111.175,"end":2146.825},{"sentences":[{"text":"Yeah.","start":2157.5798,"end":2158.0798,"sentiment":"neutral","sentiment_score":0.02391141653060913},{"text":"Yes.","start":2176.285,"end":2176.785,"sentiment":"neutral","sentiment_score":0.0028546173125505447},{"text":"Yes.","start":2187.75,"end":2188.25,"sentiment":"neutral","sentiment_score":0.16731849312782288},{"text":"Yes.","start":2203.025,"end":2203.525,"sentiment":"neutral","sentiment_score":0.052563123404979706},{"text":"Yeah.","start":2209.66,"end":2210.16,"sentiment":"neutral","sentiment_score":0.028013654053211212}],"sentiment":"neutral","sentiment_score":0.054932260885834694,"num_words":5,"start":2157.5798,"end":2210.16},{"sentences":[{"text":"No.","start":2230.175,"end":2230.4949,"sentiment":"neutral","sentiment_score":-0.17575141787528992},{"text":"Not 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though.","start":2233.3499,"end":2235.5298,"sentiment":"neutral","sentiment_score":0.2932255395821163}],"sentiment":"neutral","sentiment_score":0.02423281172911326,"num_words":15,"start":2230.175,"end":2235.5298},{"sentences":[{"text":"Yes.","start":2255.115,"end":2255.615,"sentiment":"neutral","sentiment_score":0.13803958892822266},{"text":"Yeah.","start":2263.8,"end":2264.3,"sentiment":"neutral","sentiment_score":0.24727220833301544},{"text":"Yeah.","start":2269.8,"end":2270.3,"sentiment":"neutral","sentiment_score":0.15122169256210327},{"text":"Yeah.","start":2275.015,"end":2275.4949,"sentiment":"neutral","sentiment_score":0.10025394707918169},{"text":"Yeah.","start":2275.4949,"end":2275.735,"sentiment":"neutral","sentiment_score":0.10155294835567474}],"sentiment":"neutral","sentiment_score":0.14766807705163956,"num_words":5,"start":2255.115,"end":2275.735},{"sentences":[{"text":"I think that's all 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better.","start":3289.575,"end":3295.195,"sentiment":"neutral","sentiment_score":0.01511993274713556},{"text":"Thursdays, Fridays is our better days, like yeah.","start":3297.335,"end":3299.815,"sentiment":"neutral","sentiment_score":0.031814079033210874},{"text":"Because I work at the start of the week.","start":3299.815,"end":3301.675,"sentiment":"neutral","sentiment_score":0.030732398852705956}],"sentiment":"neutral","sentiment_score":0.032374771432049816,"num_words":31,"start":3282.67,"end":3301.675},{"sentences":[{"text":"I do overnighters.","start":3302.295,"end":3303.195,"sentiment":"neutral","sentiment_score":0.07188750555117925},{"text":"So, usually, like, Thursdays and Fridays is probably the better.","start":3303.4949,"end":3307.52,"sentiment":"neutral","sentiment_score":0.07381559014320374},{"text":"In saying that Monday, you'd Mondays, I go to work too.","start":3307.5798,"end":3312.24,"sentiment":"neutral","sentiment_score":0.02919108894738284},{"text":"Oh, yeah.","start":3313.02,"end":3313.66,"sentiment":"neutral","sentiment_score":0.011742402333766222},{"text":"But we don't staying to work as well.","start":3313.66,"end":3315.26,"sentiment":"neutral","sentiment_score":-0.014346137992106378}],"sentiment":"neutral","sentiment_score":0.03481282638933729,"num_words":34,"start":3302.295,"end":3315.26},{"sentences":[{"text":"So Yeah.","start":3315.26,"end":3315.9,"sentiment":"neutral","sentiment_score":0.05962425097823143},{"text":"So Monday is probably another good day.","start":3315.9,"end":3318.3198,"sentiment":"neutral","sentiment_score":0.13139632557119643},{"text":"I'm just because I've got a work around sport as well, like, afternoon sports.","start":3320.685,"end":3325.5051,"sentiment":"neutral","sentiment_score":-0.010458300156252725},{"text":"Let me Yep.","start":3340.06,"end":3353.985,"sentiment":"neutral","sentiment_score":0.009306639432907103},{"text":"Yep.","start":3359.005,"end":3359.505,"sentiment":"neutral","sentiment_score":0.02044900879263878}],"sentiment":"neutral","sentiment_score":0.03485094466143184,"num_words":27,"start":3315.26,"end":3359.505},{"sentences":[{"text":"Yeah.","start":3372.9001,"end":3373.1401,"sentiment":"neutral","sentiment_score":-0.0017467252910137177},{"text":"I'm still I'm now just finishing up with things.","start":3373.1401,"end":3375.3801,"sentiment":"neutral","sentiment_score":-0.06620647509892781},{"text":"That yeah.","start":3375.3801,"end":3375.9402,"sentiment":"neutral","sentiment_score":-0.006443278398364783},{"text":"It was six to the fourth of June.","start":3375.9402,"end":3377.805,"sentiment":"neutral","sentiment_score":-0.003185876412317157},{"text":"That's fine.","start":3377.805,"end":3378.545,"sentiment":"positive","sentiment_score":0.3874508738517761}],"sentiment":"neutral","sentiment_score":0.006314689928496426,"num_words":22,"start":3372.9001,"end":3378.545},{"sentences":[{"text":"Yep.","start":3379.565,"end":3380.065,"sentiment":"neutral","sentiment_score":0.047333501279354095},{"text":"Yep.","start":3382.845,"end":3383.345,"sentiment":"neutral","sentiment_score":0.0989776849746704},{"text":"Yeah.","start":3400.97,"end":3401.47,"sentiment":"neutral","sentiment_score":0.17814555764198303},{"text":"No.","start":3409.275,"end":3409.515,"sentiment":"neutral","sentiment_score":-0.0972285345196724},{"text":"That's it.","start":3409.515,"end":3410.1548,"sentiment":"neutral","sentiment_score":-0.053568984381854534}],"sentiment":"neutral","sentiment_score":0.020015040102104347,"num_words":6,"start":3379.565,"end":3410.1548},{"sentences":[{"text":"No.","start":3410.1548,"end":3410.4749,"sentiment":"neutral","sentiment_score":-0.06639212369918823},{"text":"I went pretty good.","start":3410.4749,"end":3411.535,"sentiment":"neutral","sentiment_score":0.2790663605555892},{"text":"Yeah.","start":3411.9148,"end":3412.4148,"sentiment":"positive","sentiment_score":0.5287876129150391},{"text":"Thank you.","start":3421.3298,"end":3421.97,"sentiment":"positive","sentiment_score":0.6222606599330902},{"text":"Alright.","start":3421.97,"end":3422.21,"sentiment":"positive","sentiment_score":0.39948105812072754}],"sentiment":"positive","sentiment_score":0.35807370104723507,"num_words":9,"start":3410.1548,"end":3422.21},{"sentences":[{"text":"Thank you.","start":3422.21,"end":3422.95,"sentiment":"positive","sentiment_score":0.5478875637054443},{"text":"Okay.","start":3425.0898,"end":3425.41,"sentiment":"positive","sentiment_score":0.377031147480011},{"text":"Thank you.","start":3425.41,"end":3426.0498,"sentiment":"positive","sentiment_score":0.6304634213447571},{"text":"Bye.","start":3426.0498,"end":3426.3699,"sentiment":"positive","sentiment_score":0.3884318470954895},{"text":"Have a good night.","start":3426.3699,"end":3427.3499,"sentiment":"positive","sentiment_score":0.45335136353969574}],"sentiment":"positive","sentiment_score":0.4935570418834686,"num_words":10,"start":3422.21,"end":3427.3499},{"sentences":[{"text":"Bye.","start":3427.49,"end":3427.89,"sentiment":"neutral","sentiment_score":0.20400142669677737},{"text":"Bye.","start":3427.89,"end":3428.39,"sentiment":"neutral","sentiment_score":0.2093534469604492}],"sentiment":"neutral","sentiment_score":0.20667743682861328,"num_words":2,"start":3427.49,"end":3428.39}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Andrew.\n\nChannel 1: Yeah.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thanks.\n\nChannel 0: Not good. I had you and Hailey booked in for your annual review. Is now still a good time for both of you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And is Hailey there with you as well?\n\nChannel 1: Yeah. She's here with me. Yep.\n\nChannel 0: Yep. Okay. Perfect. Now just before I do go any further, I just need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And just for security purposes, I will just need both of you to confirm security. Now, Hailey, for yourself, I do have a password on file. Do you know who that might be?\n\nChannel 1: Andy.\n\nChannel 0: Yep. Perfect. And, Andrew, for you, I don't have a password. So if you could confirm your full name, date of birth, and address, please.\n\nChannel 1: Andrew Jared Williams. Fifteenth of the eighth eighty three. And would you want address?\n\nChannel 0: Yes, please.\n\nChannel 1: 114 Robertson Road, Kalani Bar.\n\nChannel 0: Perfect. Would you like to put a password in, or you're happy to just do the three point security when we call you?\n\nChannel 1: Yeah. Just yeah. Just make it highly.\n\nChannel 0: Yeah. Makes it nice and easy.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now before I do jump into the under review as well, I do like to start by asking if there is anything specific that either of you would like to discuss further today or have any specific questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months.\n\nChannel 1: No. Nothing's busy. You'll see what happens when we hear what you got to say, I guess, and go for that.\n\nChannel 0: Yeah. Perfect. And that's the same for you, Hailey?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Alright. Perfect. Well, what I might do first is to just go through a bit of an updated fact find with you both just to see if there is anything major that has changed in your life or if you need to make any changes to your advice.\n\nChannel 1: Yep.\n\nChannel 0: So just bear with me as I go through this, and I'll try to do it as quickly as I can for for both\n\nChannel 1: Yep.\n\nChannel 0: of you. Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And with you, Andrew, when it comes to your employment, has any of that changed in the last twelve\n\nChannel 1: Yeah.\n\nChannel 0: months or still\n\nChannel 1: Yeah. I've\n\nChannel 0: yeah?\n\nChannel 1: I've got I've got a new employer now.\n\nChannel 0: Okay. Are you still working as a marine\n\nChannel 1: Yeah.\n\nChannel 0: mechanic? Just a\n\nChannel 1: Yep.\n\nChannel 0: new employer? Okay. And\n\nChannel 1: Yep.\n\nChannel 0: what's your new employer?\n\nChannel 1: It's got OceanTech Marine.\n\nChannel 0: Ocean tech marine. And when did you start there?\n\nChannel 1: December 1, I think it was.\n\nChannel 0: Yeah. And are you liking it so far?\n\nChannel 1: Yeah. It's great.\n\nChannel 0: Perfect. Still full time, though?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Income, did that change?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what's\n\nChannel 1: Yep.\n\nChannel 0: it at now on\n\nChannel 1: It's\n\nChannel 0: a yearly\n\nChannel 1: about 100.\n\nChannel 0: basis? About a\n\nChannel 1: 100\n\nChannel 0: hundred?\n\nChannel 1: to 9. Yeah. It's\n\nChannel 0: Yep.\n\nChannel 1: it's $2 before tax a week.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And do you get paid bonuses or overtime or anything like that or just,\n\nChannel 1: Yeah.\n\nChannel 0: like, your\n\nChannel 1: I\n\nChannel 0: base\n\nChannel 1: get\n\nChannel 0: pay?\n\nChannel 1: overtime. Yeah. I get\n\nChannel 0: You\n\nChannel 1: overtime.\n\nChannel 0: get overtime. And that would then be in addition to the 100?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Okay. Perfect. And do you know if your new employer also paid such standard 12% contribution for you, or do you have a special EBA with\n\nChannel 1: I know he's\n\nChannel 0: that?\n\nChannel 1: been doing it because I've been sent on payslip, but I don't know what percentage. I'll\n\nChannel 0: Okay.\n\nChannel 1: just have a\n\nChannel 0: But\n\nChannel 1: look.\n\nChannel 0: there's no you don't have, like, an EBA or anything like that in place that gives you additional benefits?\n\nChannel 1: No. No. That I'm aware\n\nChannel 0: No.\n\nChannel 1: of. No.\n\nChannel 0: Okay. No. Okay. Perfect. And, typically, you would as well.\n\nIf it is that they do give you more benefits, they do tend to tell you. So\n\nChannel 1: Yeah.\n\nChannel 0: if they\n\nChannel 1: Yeah.\n\nChannel 0: haven't said anything, it's the minimum is 12%.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And you're not making any additional contributions yourself otherwise? Just that from your employer?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. And for you, Hailey, has any of your occupation changed?\n\nChannel 1: No. I'm still the same.\n\nChannel 0: Still same. Perfect. I do have income at about 60,000 for you.\n\nChannel 1: That's roughly around that if I don't do overtime.\n\nChannel 0: Okay. And for you, yeah, it would then be on top of that if you do earn overtime. And your employer also that's standard 12% contribution?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And you don't make any\n\nChannel 1: I get\n\nChannel 0: additional mhmm.\n\nChannel 1: I also get salary sacrifice too of 12 and a half grand. So that's paid, like, tax free money.\n\nChannel 0: Yep. And where does that go? Like, is that for\n\nChannel 1: I've got an easy way card.\n\nChannel 0: yes. Okay. Perfect. Great. Alright.\n\nAnd asset wise, I have both I have different values, so I'll confirm which one is right. For you, Hailey, I have a car valued at 35,000 with 27 owing.\n\nChannel 1: That is that the right? Yeah. Somewhat. Yeah. Yeah.\n\nMy my car got ridden off not\n\nChannel 0: Okay.\n\nChannel 1: that long ago. So I got a I got a different car now. It's just like, it's the same brand of car. I'm pretty sure it'd\n\nChannel 0: Mhmm.\n\nChannel 1: be around the same. Yeah. Probably okay.\n\nChannel 0: Abide about the same about the '35?\n\nChannel 1: Yeah. Yeah. Just a newer version\n\nChannel 0: Yeah.\n\nChannel 1: of it. Just a newer version. Someone rode my car off.\n\nChannel 0: Oh, and you're okay?\n\nChannel 1: Yeah. I wasn't in it. Just a drunk\n\nChannel 0: Okay.\n\nChannel 1: driver. I just headed out the front of our house.\n\nChannel 0: Oh. Oh, well, that's annoying. We're glad you weren't in it, though.\n\nChannel 1: Oh, five more minutes than I would have been.\n\nChannel 0: Oh, jeez. Very lucky. Did you have anything owing on that one? Or\n\nChannel 1: It all got paid out, and then\n\nChannel 0: oh,\n\nChannel 1: I\n\nChannel 0: go\n\nChannel 1: had to\n\nChannel 0: pay\n\nChannel 1: take\n\nChannel 0: that.\n\nChannel 1: out another loan to get the new\n\nChannel 0: Okay.\n\nChannel 1: car.\n\nChannel 0: Okay. And how much is that loan for? Do you know?\n\nChannel 1: About the same? Yeah.\n\nChannel 0: About\n\nChannel 1: It's\n\nChannel 0: the\n\nChannel 1: roughly\n\nChannel 0: 30\n\nChannel 1: about\n\nChannel 0: 5?\n\nChannel 1: the same. Yeah.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Just literally just started again. Yeah.\n\nChannel 0: Well, that's frustrating.\n\nChannel 1: Yeah.\n\nChannel 0: But they they say you weren't in it anyway, and,\n\nChannel 1: Yep.\n\nChannel 0: yeah,\n\nChannel 1: Oh, he\n\nChannel 0: still\n\nChannel 1: he\n\nChannel 0: annoying.\n\nChannel 1: wrote off three he wrote off three cars, well, four including his\n\nChannel 0: Mhmm.\n\nChannel 1: own. So\n\nChannel 0: Jesus.\n\nChannel 1: he\n\nChannel 0: Yeah.\n\nChannel 1: got my daughter's car, my car, the neighbor's car, and then he totaled his own car.\n\nChannel 0: Oh, really? Do\n\nChannel 1: Yep.\n\nChannel 0: you know what happened to him? Was he okay? Sounds like it's pretty serious if\n\nChannel 1: Besides\n\nChannel 0: you do three\n\nChannel 1: being\n\nChannel 0: cars.\n\nChannel 1: besides being drunk and then he got a got charged, she's alright, I suppose.\n\nChannel 0: Yeah.\n\nChannel 1: He\n\nChannel 0: Then did your daughter's car get sorted as well? Did you have to get that one sorted as well?\n\nChannel 1: Yeah. So she she only had third party. So because he was drunk, that was a bit of a mission. And because she was under 21, she couldn't get a higher car, so that was a bit of a mission as well because she's a casual worker. But in the end, the brother came to the party and gave us money to buy her a new car, so it was pretty good.\n\nChannel 0: Oh, that's nice. Yeah.\n\nChannel 1: And now she's got full insurance because she was over the shit show.\n\nChannel 0: Yeah. I can imagine. And for you, Andrew, I have that you have a motor vehicle ride at about 30,000.\n\nChannel 1: Yeah. It's probably not quite that anymore.\n\nChannel 0: Yeah. How much do you think if you were to sell it today?\n\nChannel 1: Oh, probably 20, I would say. 15,\n\nChannel 0: About\n\nChannel 1: 20,\n\nChannel 0: 20?\n\nChannel 1: something like that. Yeah.\n\nChannel 0: Alright.\n\nChannel 1: It's nearly paid\n\nChannel 0: And I\n\nChannel 1: off.\n\nChannel 0: do\n\nChannel 1: Yeah.\n\nChannel 0: and it's fully paid off?\n\nChannel 1: Nearly I still only got, like, three or four payments left.\n\nChannel 0: So how much do you think if you had to, like, pay\n\nChannel 1: Oh,\n\nChannel 0: it off\n\nChannel 1: it'd\n\nChannel 0: today?\n\nChannel 1: be under a thousand bucks.\n\nChannel 0: Oh, okay. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: I'll just put thousand, like, 500 ish\n\nChannel 1: Yeah.\n\nChannel 0: less.\n\nChannel 1: Yes. It's early June that it's finished. Yeah. Early to mid June. Yeah.\n\nSo, yeah, it's\n\nChannel 0: So,\n\nChannel 1: only 100\n\nChannel 0: basically.\n\nChannel 1: and $30 a week. So Yeah. About 500.\n\nChannel 0: Oh, okay. Okay. Perfect. Now do you guys have any other assets, any other motor vehicles or boats or motorbikes or\n\nChannel 1: Yeah.\n\nChannel 0: savings or\n\nChannel 1: No.\n\nChannel 0: anything else?\n\nChannel 1: Not that\n\nChannel 0: No.\n\nChannel 1: not that we own. No. He's and he's\n\nChannel 0: No.\n\nChannel 1: got a work cover that he doesn't pay for it.\n\nChannel 0: It's with work. Okay. Yep. And any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: Oh, we got yeah. We've got all that.\n\nChannel 0: Yeah. How if you were to just combine, how much do you think in the total?\n\nChannel 1: In debt?\n\nChannel 0: Yeah.\n\nChannel 1: I no. 7. I'm in a million. 4. 4.\n\nYeah. Probably 10?\n\nChannel 0: About 10 so about 6 for you, Hailey, and 4 for you, Andrew. Is that what\n\nChannel 1: Yep.\n\nChannel 0: I heard\n\nChannel 1: Yeah.\n\nChannel 0: right?\n\nChannel 1: Roughly.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep. Perfect. Health and lifestyle wise, I have you both down here as a nonsmoker.\n\nChannel 1: Yep.\n\nChannel 0: Is that correct? Perfect. And have either of you had any significant health issues or any injuries or anything in the last twelve months? Anything\n\nChannel 1: No.\n\nChannel 0: that's changed with your health?\n\nChannel 1: No.\n\nChannel 0: Nope. Beautiful.\n\nChannel 1: No. We're all pretty. Alright.\n\nChannel 0: Pretty good. That's good. Private health insurance. Do you guys have private health insurance?\n\nChannel 1: I I have ambulance cover.\n\nChannel 0: Okay. Perfect. And is that hospital and stuff as well?\n\nChannel 1: It's only a very brief it's only minor one, I think. Pretty sure it just covers ambulance and maybe some hospital. I'm not sure.\n\nChannel 0: Okay. Okay. No. That's okay.\n\nChannel 1: Yeah. I've got nothing\n\nChannel 0: Nope. That's alright.\n\nChannel 1: yet.\n\nChannel 0: Is that something you're looking at?\n\nChannel 1: I'll probably just get ambulance cover. It's just too expensive. Like because I gotta do\n\nChannel 0: Yeah.\n\nChannel 1: the whole family. So it works out to be bloody 300 a month. I just can't afford it.\n\nChannel 0: No. It and then every every year, it goes up a lot too, doesn't it?\n\nChannel 1: Yeah. It's just something's gotta give. You know what I mean? Like, everything's\n\nChannel 0: Yeah.\n\nChannel 1: going up except our page. So\n\nChannel 0: Yeah. Well, not to the same rate anyway\n\nChannel 1: yeah.\n\nChannel 0: as everything else, especially nowadays. Estate planning wise, do either of you have a will in place?\n\nChannel 1: No.\n\nChannel 0: No. When it comes to your super and insurances, I can also see here that we currently have outstanding for both of you, actually, your beneficiary forms. Have you guys received those in the post at all?\n\nChannel 1: We just keep forgetting to do that. I think we've got the bar. I don't think we ever got got him in on the part in the box. We just I wish there was a thing where you could just say, I want him to have it all and she wants it's just a pain in the butt. Yeah.\n\nCan we verbally\n\nChannel 0: Yeah.\n\nChannel 1: do it? Is it\n\nChannel 0: Unfortunately, not because it's a legal nomination. Sorry\n\nChannel 1: Yeah.\n\nChannel 0: if it\n\nChannel 1: And\n\nChannel 0: was\n\nChannel 1: it's gotta\n\nChannel 0: that\n\nChannel 1: be done\n\nChannel 0: simple.\n\nChannel 1: yearly, hasn't it?\n\nChannel 0: No.\n\nChannel 1: Or three years?\n\nChannel 0: One off. You can\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: said,\n\nChannel 0: can actually\n\nChannel 1: why\n\nChannel 0: yeah. So there there are different types depending on what\n\nChannel 1: not?\n\nChannel 0: you want. So you can do a lapsing or a non lapsing. So non lapsing means you do it once. It stays in place until you decide to change\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: That's what I wanna do. I just wanna do it.\n\nChannel 0: Yeah.\n\nChannel 1: Say it once and be done.\n\nChannel 0: Is that the same for you, Andrew? Because if so, I can\n\nChannel 1: Yeah.\n\nChannel 0: get them prefilled.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And just send them out because, yeah, we never got them last time.\n\nChannel 0: Alright. Do you have access to a printer, or would you prefer post?\n\nChannel 1: I can I can print them at work\n\nChannel 0: Okay.\n\nChannel 1: if\n\nChannel 0: Because\n\nChannel 1: if\n\nChannel 0: what\n\nChannel 1: you send\n\nChannel 0: I can\n\nChannel 1: them to my email?\n\nChannel 0: Yeah. Because what I can do then is I'll send it to your email for both of you if you're happy with that, Hailey.\n\nChannel 1: Yep.\n\nChannel 0: I'll get them prefilled. And then, yeah, because you are making a legal nomination, they do\n\nChannel 1: Do\n\nChannel 0: have to be printed\n\nChannel 1: do we have\n\nChannel 0: website.\n\nChannel 1: to send them back, or can I email it back?\n\nChannel 0: You can you can scan that and email it. That makes\n\nChannel 1: Okay.\n\nChannel 0: it makes it faster. Yeah.\n\nChannel 1: And that's the\n\nChannel 0: As\n\nChannel 1: agent.\n\nChannel 0: long as you print it, and it does have to be witnessed as well by two\n\nChannel 1: Yeah.\n\nChannel 0: people, and it can't\n\nChannel 1: Wednesday\n\nChannel 0: be who\n\nChannel 1: next\n\nChannel 0: you nominate.\n\nChannel 1: door.\n\nChannel 0: And just make sure they do it kind of at the same time with the same pen because the insurance\n\nChannel 1: Yeah.\n\nChannel 0: and supercom can get be funny if it's, like, one is a black pen and one is a blue pen. So get a bit of pathetic with those. So our pre fill is nonlapsing. And did you say you guys wanted to nominate each other?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Now the good thing with nominating spouses is that it is completely tax free. So if something were to happen to either of you, the other one will receive the benefits completely tax free. It was a bit a little bit different when it comes to children at different ages, but if it goes to both of you, then it will be tax free.\n\nChannel 1: Yeah.\n\nChannel 0: Now the other nomination is if you wanted a binding or nonbinding. So, basically, binding means that the trustee, so Superfund and the insurance, are bound to follow your wishes. So that gives you the most amount of certainty. The nonbinding is basically saying this is what I want to have happened, but then it's ultimately up to their discretion if they feel like there's someone else that has a higher claim to it. Which one would you guys prefer?\n\nChannel 1: Doesn't really matter. I'm dead.\n\nChannel 0: It's more sort of giving Andrew peace of mind if something would happen.\n\nChannel 1: I know I know if I die tomorrow, I know you're gonna look after the kids, and that's the main priority. So we don't have any house. We don't, like, we rent.\n\nChannel 0: Yeah.\n\nChannel 1: We don't have any big massive assets. So\n\nChannel 0: Yep. Yeah.\n\nChannel 1: the main concern would be what looking after our kids. He's gonna do that. He's not a a heartless person, so I really\n\nChannel 0: Yeah.\n\nChannel 1: don't care what\n\nChannel 0: No.\n\nChannel 1: he does with it, to be honest. What\n\nChannel 0: So\n\nChannel 1: about\n\nChannel 0: it\n\nChannel 1: you?\n\nChannel 0: yeah. It it's more so because binding means that it will definitely go to him. So the only it's, like, if there are any previous partners, if there's families that kinda come and make a claim and say that they have a big mistake for it, like, those kind of situations. So by completing it as a binding, it means that it will go to Andrew and vice versa. And then he\n\nChannel 1: Seven?\n\nChannel 0: could do whatever he\n\nChannel 1: Yeah.\n\nChannel 0: wants with\n\nChannel 1: Okay.\n\nChannel 0: it, but it just\n\nChannel 1: Yeah.\n\nChannel 0: gives\n\nChannel 1: Because\n\nChannel 0: you the certainty\n\nChannel 1: my family\n\nChannel 0: of who\n\nChannel 1: is a bit\n\nChannel 0: he's going\n\nChannel 1: money hungry,\n\nChannel 0: through.\n\nChannel 1: so let's do that then.\n\nChannel 0: Let's do the binding? Alright. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: Just\n\nChannel 0: that same\n\nChannel 1: so\n\nChannel 0: for you, Andrew?\n\nChannel 1: just Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just because\n\nChannel 0: And that's\n\nChannel 1: my family are pricks.\n\nChannel 0: and we don't want any and that's, like, the last thing you want. And, unfortunately, money\n\nChannel 1: I\n\nChannel 0: does\n\nChannel 1: don't think\n\nChannel 0: bring out\n\nChannel 1: they\n\nChannel 0: the\n\nChannel 1: think\n\nChannel 0: worst in\n\nChannel 1: they\n\nChannel 0: people.\n\nChannel 1: could. Like, I don't\n\nChannel 0: Mhmm.\n\nChannel 1: think they think they could because we're married anyway, but you just never\n\nChannel 0: Yeah.\n\nChannel 1: know with them.\n\nChannel 0: No. And you're better have the the the the peace of mind. So I'll complete that for you both, and I will get the team through email that to you, Hailey.\n\nChannel 1: Yep.\n\nChannel 0: Then, obviously, when you have a moment, just print it, scan it, and send it back, and we'll get that all sorted for\n\nChannel 1: Okay.\n\nChannel 0: you.\n\nChannel 1: And is that is that a one off thing as well?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Like\n\nChannel 0: So as\n\nChannel 1: yeah.\n\nChannel 0: long as long as you completed, like you sign it correctly, so don't do, like, last year's date because sometimes people are still in the habit of doing 2025, and then it comes back and insurance\n\nChannel 1: Yeah.\n\nChannel 0: will not validated. And you as long as you don't witness each other. So as long as you completed correctly,\n\nChannel 1: Yeah.\n\nChannel 0: in terms of the witness, you only have to do it once. So the good\n\nChannel 1: K.\n\nChannel 0: thing\n\nChannel 1: Cool.\n\nChannel 0: is that then it stays in place until either of you decide that you would like to change it. So then you don't have to worry about it again. Alright.\n\nChannel 1: Yeah. No.\n\nChannel 0: We'll\n\nChannel 1: Don't.\n\nChannel 0: get that sorted. Otherwise, when it comes to goals, the stuff that you guys are working towards that you are wanting to achieve, I have here for both of you that last time when we spoke to you during annual view, your main focus is just to kinda save and buy a property. Is that still kind of the medium term focus for you?\n\nChannel 1: Well, it was, but everything's\n\nChannel 0: Mhmm.\n\nChannel 1: just got so expensive. We don't even have savings anymore.\n\nChannel 0: Yep.\n\nChannel 1: Rents are so high, and they're probably we're we're sitting at the moment because in July, that'll be in the lease, so we have to see if they're gonna put the rent up or not. Like, we're\n\nChannel 0: Yep.\n\nChannel 1: sitting at 800 a week for a rental,\n\nChannel 0: Yeah.\n\nChannel 1: and we don't even like where we are.\n\nChannel 0: Yeah.\n\nChannel 1: But to go elsewhere, you're looking at over a thousand bucks a week. And\n\nChannel 0: Yeah.\n\nChannel 1: I think that's ludicrous spending that on someone else's mortgage. I'd rather spend that on my own mortgage, but yet again, we don't get looked at because\n\nChannel 0: Yeah.\n\nChannel 1: we don't have savings. So it's a bit of\n\nChannel 0: Yeah.\n\nChannel 1: a catch 22, but I mean, as the kids grow up and they all leave us alone, we'll probably have more income to fiddle\n\nChannel 0: Yeah.\n\nChannel 1: around with as we get get there. But,\n\nChannel 0: Yeah.\n\nChannel 1: like, I've got a 22 year old almost and a 16 year old and nearly a seven year old. So as they grow up and they disperse, our income will come back to us a little bit more. So\n\nChannel 0: Yeah. Yeah. Yeah. I\n\nChannel 1: there's not\n\nChannel 0: I\n\nChannel 1: much\n\nChannel 0: definitely\n\nChannel 1: we can do\n\nChannel 0: get\n\nChannel 1: about\n\nChannel 0: that.\n\nChannel 1: it at the moment. We we really because we we live wake to wake at the moment, but we'd love to change that. But it's certainly\n\nChannel 0: Yep.\n\nChannel 1: getting worse with in this with this government anyway. It's\n\nChannel 0: Well\n\nChannel 1: only getting worse.\n\nChannel 0: yeah. And\n\nChannel 1: So\n\nChannel 0: do you guys have, like, a budget or anything that you follow? Or is it is that like, do you guys need any assistance when it comes to cash flow and budget management, or is it mainly just expenses\n\nChannel 1: I guess\n\nChannel 0: are so\n\nChannel 1: I\n\nChannel 0: high?\n\nChannel 1: guess it's hard because every every I get paid fortnightly and it gets\n\nChannel 0: Yep.\n\nChannel 1: paid weekly. So\n\nChannel 0: Yep.\n\nChannel 1: any Andy will out of any pay, we'll pay, like, the rent because that's weekly.\n\nChannel 0: Yep.\n\nChannel 1: And he'll pay his car loan and and his health insurance and stuff. And then I'll do, like, out of my tax free money, I'll do the groceries. And then out of my pay, I'll do, like, my car repayment and all the other bills, like electricity, gas, all the kids' schooling and stuff like that. And then whatever we've got left, we've got left. But\n\nChannel 0: Yep.\n\nChannel 1: so, like, I've got we've got one in year 10, and he's gone on that many damn excursions. And then the school's wanting money every five seconds, so it just changes\n\nChannel 0: Yeah.\n\nChannel 1: week to week on on what needs to be paid. You know?\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: it it\n\nChannel 0: And\n\nChannel 1: gets\n\nChannel 0: I get\n\nChannel 1: it gets\n\nChannel 0: that.\n\nChannel 1: a bit\n\nChannel 0: And\n\nChannel 1: hard.\n\nChannel 0: if and if it's if it's not that you have, like, 20\n\nChannel 1: But\n\nChannel 0: five\n\nChannel 1: I give\n\nChannel 0: different\n\nChannel 1: you notice.\n\nChannel 0: subscription\n\nChannel 1: You only get, like, you get, like, a day's notice or two days notice, and it's\n\nChannel 0: oh, really?\n\nChannel 1: $50 for this and a $100\n\nChannel 0: Mhmm.\n\nChannel 1: for this and, you know, $50 for photos and representing the school. There's another $20 there, and and it just it's constant every week.\n\nChannel 0: I I\n\nChannel 1: So\n\nChannel 0: you think they would give you a bit more of a heads up, though, because\n\nChannel 1: no.\n\nChannel 0: it's\n\nChannel 1: They\n\nChannel 0: like\n\nChannel 1: don't.\n\nChannel 0: most people don't have, like especially nowadays, like, so many people are struggling.\n\nChannel 1: Yeah.\n\nChannel 0: They're struggling to cover bills and expenses and putting food,\n\nChannel 1: And\n\nChannel 0: especially\n\nChannel 1: the fact\n\nChannel 0: with\n\nChannel 1: is\n\nChannel 0: fuel\n\nChannel 1: if\n\nChannel 0: prices.\n\nChannel 1: if they're representing the school and it's on the coast, then it's up to us to to take them where they need to be. So say my my son represents a school for futsal, I've gotta get him to where they're playing futsal and get him home. Same with when\n\nChannel 0: Oh,\n\nChannel 1: he\n\nChannel 0: really?\n\nChannel 1: represents the zone cross country, zone swimming, zone athletics, all that. If it's on the coast, I've gotta get him there and get him home.\n\nChannel 0: Do you think they would have, like, a school bus or something? Because I am peep\n\nChannel 1: They\n\nChannel 0: people\n\nChannel 1: will\n\nChannel 0: work.\n\nChannel 1: if\n\nChannel 0: What\n\nChannel 1: it leaves\n\nChannel 0: are you meant\n\nChannel 1: if\n\nChannel 0: to\n\nChannel 1: it\n\nChannel 0: do?\n\nChannel 1: leaves the Central Coast, they will. They'll they'll hire a bus or whatever. But it makes it very hard when you try to work.\n\nChannel 0: Yeah.\n\nChannel 1: So luckily, I work night shift.\n\nChannel 0: Yeah.\n\nChannel 1: So I can make it work, but,\n\nChannel 0: Yeah. No.\n\nChannel 1: like,\n\nChannel 0: That's\n\nChannel 1: me and\n\nChannel 0: hard.\n\nChannel 1: Andy pretty much tag team. So when he's home, I'm at work, and when he's at work, I'm trying to sleep. That never happens. But\n\nChannel 0: At least you got each other to rely on, though, which is\n\nChannel 1: Well,\n\nChannel 0: which\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: got\n\nChannel 0: good.\n\nChannel 1: it got to the point where we couldn't get childcare. There was a two year wait for childcare, so I had to leave my job in child like, I was actually a childcare worker. So I had to leave my job and go into disability and and do night shift because we couldn't get anyone to look after our kids.\n\nChannel 0: And that is\n\nChannel 1: So\n\nChannel 0: absolutely ridiculous that it's such a long wait\n\nChannel 1: yeah.\n\nChannel 0: time.\n\nChannel 1: And if I was to put because at the time when I did it, Alice was a baby, It was gonna cost us more than my wage to put her in five days in the day care with me.\n\nChannel 0: Yeah. And I have so\n\nChannel 1: So\n\nChannel 0: many friends who are in the same situation. It's like, well, what is the point\n\nChannel 1: yeah.\n\nChannel 0: of me going to work if I'm earning less than I'm paying for in childcare?\n\nChannel 1: Yeah. So I decided, okay. Well, I'll just go get a night job. And I just thought I was gonna go to Kohl's and just stack shelves. You know?\n\nAnd then my my old trainee turned around and said, no. You're better than that. There's a new house being built. I'll put your name forward for a job. And then they called me, and then they gave me the job.\n\nSo\n\nChannel 0: Oh,\n\nChannel 1: I just\n\nChannel 0: I'll just\n\nChannel 1: went into disability, and I just do overnight. So it's it's\n\nChannel 0: how\n\nChannel 1: what\n\nChannel 0: was that\n\nChannel 1: what\n\nChannel 0: good?\n\nChannel 1: works at the moment. I I don't like it. Like, it it knocks it knocks me around, but\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: it works.\n\nChannel 0: Challenging.\n\nChannel 1: So whatever\n\nChannel 0: Yeah.\n\nChannel 1: works has to work at this point in time.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: it's\n\nChannel 0: is\n\nChannel 1: where the\n\nChannel 0: hard.\n\nChannel 1: money is because it's\n\nChannel 0: Yeah.\n\nChannel 1: all\n\nChannel 0: Especially night shift\n\nChannel 1: overtime.\n\nChannel 0: as well.\n\nChannel 1: Yeah.\n\nChannel 0: You would get\n\nChannel 1: And\n\nChannel 0: paid\n\nChannel 1: weekends.\n\nChannel 0: a little bit of extra\n\nChannel 1: Yeah.\n\nChannel 0: a little bit of extra. Do you think it would be helpful to for me to send you guys, like, a cash flow on budget at all, or do you feel\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: You\n\nChannel 0: you have\n\nChannel 1: can.\n\nChannel 0: a pretty\n\nChannel 1: You\n\nChannel 0: good\n\nChannel 1: can. And we can sit\n\nChannel 0: Yeah.\n\nChannel 1: down and have a look at it\n\nChannel 0: Yeah.\n\nChannel 1: and and and see\n\nChannel 0: Sometimes\n\nChannel 1: I mean,\n\nChannel 0: it's\n\nChannel 1: we've tried like, I\n\nChannel 0: helpful.\n\nChannel 1: paid out I paid out my personal loan, and I vowed I'm not gonna get another one. I shut down the majority of my credit cards. The only credit card I have is Latitude, and that's when, like, we have furniture\n\nChannel 0: Mhmm.\n\nChannel 1: that decides it's not gonna work anymore and we need to replace it.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: it's all, like, it's all, what do you call, interest pay interest free.\n\nChannel 0: Yes. Oh,\n\nChannel 1: So\n\nChannel 0: that's\n\nChannel 1: that's\n\nChannel 0: good.\n\nChannel 1: that's that's that. And then, obviously, I have Afterpay. I think Andy has Afterpay, and he has one purse he has, like, one credit card.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. And then he's trying to get his credit card down, and and and then he's gonna cancel his too. So\n\nChannel 0: Yeah. Kind\n\nChannel 1: but\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: working\n\nChannel 1: got rid\n\nChannel 0: towards\n\nChannel 1: of, yeah,\n\nChannel 0: that.\n\nChannel 1: I got rid of my credit my personal credit card years ago.\n\nChannel 0: Oh, that's good.\n\nChannel 1: Yeah.\n\nChannel 0: And then, hopefully,\n\nChannel 1: So\n\nChannel 0: once that's kind of come down, especially with the car as well for Andy when that's kind of\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Well,\n\nChannel 0: June,\n\nChannel 1: his\n\nChannel 0: that\n\nChannel 1: car\n\nChannel 0: will give you\n\nChannel 1: he'll\n\nChannel 0: a little\n\nChannel 1: save\n\nChannel 0: bit\n\nChannel 1: a $130 there,\n\nChannel 0: mhmm. Yep.\n\nChannel 1: and then we wanna sell that car because he's gotta work me for now.\n\nChannel 0: Okay.\n\nChannel 1: We're just\n\nChannel 0: Yep.\n\nChannel 1: we're just waiting. His boss is upgrading his car because he's got a dual cab Ute\n\nChannel 0: Mhmm.\n\nChannel 1: where Andy doesn't have. He's just got a single cab. So\n\nChannel 0: Yep.\n\nChannel 1: when Andy gets the dual cab, we'll be able to sell Andy's car because we need the dual cab for the kids when\n\nChannel 0: Yep.\n\nChannel 1: I'm at work.\n\nChannel 0: Yep.\n\nChannel 1: So when we do that, then Andy will try and sell his car, and then we're gonna try and get rid of some of our debt,\n\nChannel 0: Mhmm.\n\nChannel 1: and that'll put us in a better position again. So\n\nChannel 0: Yeah. And that will free up a little bit of that cash flow\n\nChannel 1: yeah.\n\nChannel 0: as well, which would would\n\nChannel 1: You\n\nChannel 0: assist.\n\nChannel 1: say you go we say we're gonna do all this stuff and then other shit happens and\n\nChannel 0: Oh,\n\nChannel 1: or\n\nChannel 0: it's\n\nChannel 1: they\n\nChannel 0: always\n\nChannel 1: decide\n\nChannel 0: that way.\n\nChannel 1: every time when we get in a good position and we think, oh, yeah. Finally, we're getting a little bit at a they go, oh, you need to move. And then every time we move, it's $6,000.\n\nChannel 0: Oh, yeah. Because you have removalists, and then you have bond cleaners and potential\n\nChannel 1: Yeah.\n\nChannel 0: carpet\n\nChannel 1: Or\n\nChannel 0: cleaning\n\nChannel 1: at it's\n\nChannel 0: and\n\nChannel 1: just\n\nChannel 0: everything.\n\nChannel 1: just putting down a bond is over 3 and a half grand.\n\nChannel 0: Yeah.\n\nChannel 1: Like,\n\nChannel 0: Because\n\nChannel 1: that's\n\nChannel 0: you normally\n\nChannel 1: just\n\nChannel 0: have\n\nChannel 1: your\n\nChannel 0: to pay\n\nChannel 1: bond,\n\nChannel 0: less\n\nChannel 1: and then\n\nChannel 0: four\n\nChannel 1: you\n\nChannel 0: weeks.\n\nChannel 1: gotta have your two weeks in advance, and\n\nChannel 0: Mhmm.\n\nChannel 1: then you all the extra start yeah. It's like a removalist is a couple of grand, and, yeah, it's just\n\nChannel 0: Yeah.\n\nChannel 1: full on.\n\nChannel 0: It adds up. It adds up. Well,\n\nChannel 1: Yeah.\n\nChannel 0: hopefully, once you get the the car and everything, that frees up a little bit for you and\n\nChannel 1: Yeah.\n\nChannel 0: things will get a little bit easier. But I also yeah. Especially fuel prices and everything, everyone is struggling a lot at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: I'll send you\n\nChannel 1: Andy\n\nChannel 0: the cashback\n\nChannel 1: Andy\n\nChannel 0: budget\n\nChannel 1: got luck\n\nChannel 0: anyway.\n\nChannel 1: Andy got lucky because\n\nChannel 0: Yeah.\n\nChannel 1: he got a with this new job, he got a work vehicle. So that freed\n\nChannel 0: That's\n\nChannel 1: up a lot\n\nChannel 0: good.\n\nChannel 1: of he's but he barely has\n\nChannel 0: Yeah.\n\nChannel 1: to put petrol in his\n\nChannel 0: Oh,\n\nChannel 1: fuel\n\nChannel 0: that's good.\n\nChannel 1: in his company.\n\nChannel 0: That's good.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Because, yeah, that's that's one one thing at the moment where a lot of people are really struggling with their fuel prices and everything.\n\nChannel 1: Yeah. Well, he's caused diesel too, so that that made it\n\nChannel 0: Even\n\nChannel 1: hard.\n\nChannel 0: worse.\n\nChannel 1: But\n\nChannel 0: Well yeah. Well, that's good. And, yeah, I'll send you the cash flow budget anyway. If it is something\n\nChannel 1: Yeah.\n\nChannel 0: you guys at any one point in time want to have a look at, I always tell everyone it is good just to even if you don't do not want to make any changes or anything, it is usually good just to see where things are at. And sometimes\n\nChannel 1: Yeah.\n\nChannel 0: it is, like, surprising.\n\nChannel 1: Yeah.\n\nChannel 0: It's like, oh, well, maybe we can cut a little bit hair or change a little bit hair or you know? It it is usually just, like, a good kind of setting point\n\nChannel 1: Yeah.\n\nChannel 0: to see. So and then also you can see, okay. Well, once we have the car fixed, we don't have that anymore. That frees up this, and you can kind of you know, it is a bit of a process, but I'll send you the spreadsheet anyway. You'll have it in your inbox.\n\nIf you have any questions or need assistance completing it at any way, just let me know.\n\nChannel 1: Yep.\n\nChannel 0: But,\n\nChannel 1: Yep.\n\nChannel 0: otherwise, it it is a helpful tool, but it does take a little bit to just kind of go through. So, obviously, take your time and just let me know if you do have any questions.\n\nChannel 1: Yep. Too easy.\n\nChannel 0: Perfect. Is there anything else that's changed for either of you otherwise?\n\nChannel 1: No. No. No.\n\nChannel 0: No.\n\nChannel 1: It'd be nice\n\nChannel 0: Perfect.\n\nChannel 1: if we won Lotto. That would be nice. That'd be a good change. It\n\nChannel 0: It\n\nChannel 1: is\n\nChannel 0: would\n\nChannel 1: 40\n\nChannel 0: be nice\n\nChannel 1: million\n\nChannel 0: if I\n\nChannel 1: tonight.\n\nChannel 0: do it, Paige.\n\nChannel 1: Yep.\n\nChannel 0: Oh, is that tonight?\n\nChannel 1: Yeah. 40 mil.\n\nChannel 0: Well, hopefully, I get a call from you guys in the next couple of days and say, guess what?\n\nChannel 1: We need a financial adviser.\n\nChannel 0: Yeah. We have all this money and what are we gonna do?\n\nChannel 1: Yeah.\n\nChannel 0: Well, I have my fingers crossed. But, Connor, I'm talking about superannuation. So what I will do next is just to run through a bit of an updated risk profile questionnaire with you both just to see if your risk tolerance or anything has changed.\n\nChannel 1: Yep.\n\nChannel 0: Just multiple choice to make it nice and easy. There's no right or wrong answer. You can say different answers as well. But\n\nChannel 1: Yep.\n\nChannel 0: think about them in regards to your super. So at the moment, under current legislation, you can't access super until 60. If you stop working, so obviously a bit more of that long term plan. So have either of you bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: My son hassles us to do it, but we don't do it.\n\nChannel 0: Yeah. No. That's all good. And are you both I have you down here. Are both of you would like to work a bit longer until age 67?\n\nIs that still the plan? Or if you could, would you want\n\nChannel 1: Look.\n\nChannel 0: to\n\nChannel 1: I think we won't have a choice. I think that's\n\nChannel 0: mhmm.\n\nChannel 1: just we may even have to work longer. Unless, like I said, like, unless we come into some sort of money, I think\n\nChannel 0: Mhmm.\n\nChannel 1: everyone's gonna get to a point where they're just gonna have to keep working a little bit longer.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: We all hope we don't have to work tomorrow, but, you know, at some at this point in time, that that pretty much looks like it's gonna happen. We're gonna be, like, close to the 70, but we don't want to. But it just that\n\nChannel 0: Yep.\n\nChannel 1: that looks like that's gonna be the reality of it.\n\nChannel 0: Mhmm. Okay. And at 67, if you are eligible, then that's where you can also get a bit of age pension as well to assist.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And I have here that an ideal income per week, so what both of you would like to draw from super when you do decide to retire is about $1,500 each. Do you think that would be sustainable? Obviously, you don't know what cost\n\nChannel 1: Is\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: stuff\n\nChannel 1: a\n\nChannel 0: are\n\nChannel 1: way?\n\nChannel 0: going to be like a week yet, or do you feel\n\nChannel 1: Yeah.\n\nChannel 0: like you would need 3,000\n\nChannel 1: Oh, no. I don't even get\n\nChannel 0: combined?\n\nChannel 1: that. I don't even get that now. That's that's pretty high. I I only get a thousand dollars a week now. And, Andy, what\n\nChannel 0: Okay.\n\nChannel 1: do you get? 1,500 take home. And Andy's on 1,500 take home. So we should probably go a little bit less than that. And with\n\nChannel 0: Okay.\n\nChannel 1: and and and as the as the time go like, we're gonna have less kids, we're hoping to downsize\n\nChannel 0: Yep.\n\nChannel 1: the size of the house so we\n\nChannel 0: Yeah.\n\nChannel 1: can save in like, so as the kids leave home, I mean, we're hoping. We've still got them\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: all home at the moment. But as they leave, we can downsize to a three bedroom, you know, and\n\nChannel 0: Yep.\n\nChannel 1: and and work our way down. And,\n\nChannel 0: Yeah.\n\nChannel 1: hopefully, the rent will will decrease as well. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, so that that scenario of by the time we were retired, we're not gonna have kids to\n\nChannel 0: Mhmm.\n\nChannel 1: have to support, so we could probably\n\nChannel 0: No.\n\nChannel 1: live off a lot less.\n\nChannel 0: So about a thousand each, would you say?\n\nChannel 1: Yeah.\n\nChannel 0: Like,\n\nChannel 1: I\n\nChannel 0: 2\n\nChannel 1: reckon.\n\nChannel 0: thousand combined, roughly?\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: I reckon. Yeah. Depending\n\nChannel 0: Let's\n\nChannel 1: on if\n\nChannel 0: see.\n\nChannel 1: the as long as on the provider, the rents don't go through the roof. That\n\nChannel 0: Yes.\n\nChannel 1: that should be sufficient. Yeah.\n\nChannel 0: Yep. Perfect. And when it comes through how much risk you guys are comfortable taking for your superannuation, Would you say that you are comfortable taking very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: At the moment, because well, this is me. Anyone have a different\n\nChannel 0: Mhmm.\n\nChannel 1: thing, but because I've got the kids, I I\n\nChannel 0: Mhmm.\n\nChannel 1: I'll go a small risk.\n\nChannel 0: Okay.\n\nChannel 1: As as the kids obviously get older and they bugger off and we don't have them as liability, then I'd probably take a bigger risk.\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: But whenever I've got the kids and they need looking after, I probably, yeah, stick to a low risk. What about you?\n\nChannel 0: Okay.\n\nChannel 1: Medium. You've got more money to play with. Yeah. Probably. A a medium?\n\nAny micro\n\nChannel 0: A medium?\n\nChannel 1: medium?\n\nChannel 0: Medium?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Now when it comes to fluctuations, so how would you feel if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market, so not like one investment that's gone bad, just kind of general market trends, would you say that you would try to take advantage if you had the option to do so by thinking that, well, now prices are down is a good time to put more in, or would you just kind of be a bit neutral, hold, and wait to see what happens? Or would you be a bit more nervous and think, okay. Well, I should sell them and shift to a more secure asset, but that means you are then selling or the prices have already dropped?\n\nChannel 1: I haven't thought about it, to be honest. I just usually let you guys sit and see how things\n\nChannel 0: Let\n\nChannel 1: go\n\nChannel 0: it\n\nChannel 1: and\n\nChannel 0: sit.\n\nChannel 1: then Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And then\n\nChannel 0: Take\n\nChannel 1: just,\n\nChannel 0: it from\n\nChannel 1: you\n\nChannel 0: there.\n\nChannel 1: know, if if after a bit more time, it's still not changing, then\n\nChannel 0: Then make\n\nChannel 1: Like,\n\nChannel 0: a\n\nChannel 1: you\n\nChannel 0: change.\n\nChannel 1: know it's gonna go up and down. That's the given.\n\nChannel 0: Yes.\n\nChannel 1: Like, it it\n\nChannel 0: Yeah.\n\nChannel 1: always goes up and down and usually balances back out again. But, I mean, your team's usually under it pretty quick anyway and shift things\n\nChannel 0: Yeah.\n\nChannel 1: around and stuff.\n\nChannel 0: Yeah. Yeah. Alright. Perfect. So, obviously, depending on the situation, they'd be somewhere in the middle.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now the next one is, again, in regards to fluctuation.\n\nChannel 1: Yep.\n\nChannel 0: So if you ever saw fluctuations in any investments, would you say that you would feel optimistic about potential future opportunity? A bit more kind of cautious, not making further investments, or would you say that you would be quite concerned and anxious?\n\nChannel 1: Trying to look here at time when I suppose. I wouldn't freak out too quickly.\n\nChannel 0: Mhmm. So somewhere kind of a bit more neutral, like, maybe not put more in, but just not be super concerned either as long as it\n\nChannel 1: Yeah.\n\nChannel 0: doesn't\n\nChannel 1: Yeah.\n\nChannel 0: continue\n\nChannel 1: And\n\nChannel 0: for\n\nChannel 1: it\n\nChannel 0: a long\n\nChannel 1: depends\n\nChannel 0: period\n\nChannel 1: on\n\nChannel 0: of\n\nChannel 1: the\n\nChannel 0: time?\n\nChannel 1: time period.\n\nChannel 0: Yes.\n\nChannel 1: Like, if it's if it starts like, if we're if we're getting, you know, after sort of the six\n\nChannel 0: Yes.\n\nChannel 1: month mark and it's looking horrible or or whatever, but we we'd obviously look at other things.\n\nChannel 0: Yes.\n\nChannel 1: But if it's only, like, a month or two and and it's and it's like I just sit for a little bit and see what happened.\n\nChannel 0: Yep. No. Perfect. And last one here is in regards to borrowing money. So would you guys ever want to take out a loan to invest in stocks or funds?\n\nChannel 1: I don't really know much stuff. Have on the stuff. Yeah. I'd have to it'd be something I wouldn't do it yet. Like, I've I've I've heard good and bad things about it, so I'm very\n\nChannel 0: Mhmm.\n\nChannel 1: perplexed about about doing it. And, you know, I know people that have done it, and it it worked good for them. And his parents have done it\n\nChannel 0: Yep. Yep.\n\nChannel 1: at at some point. My son always is to do it though. Yeah. My son encourages me to do it all the time because he's learning about it at school. I don't know enough about it, I'll be\n\nChannel 0: Okay.\n\nChannel 1: honest. But\n\nChannel 0: Yep.\n\nChannel 1: it it's something that I'd have to really know the ins and outs of before I could make a decision on whether it was for us or not.\n\nChannel 0: Okay.\n\nChannel 1: But\n\nChannel 0: So\n\nChannel 1: because\n\nChannel 0: if, hypothetically\n\nChannel 1: yeah.\n\nChannel 0: speaking, you had the option to do so and there was a good investment, you would be open to maybe borrowing money to invest if the option was good. Is that\n\nChannel 1: Mister.\n\nChannel 0: what I'm gauging? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Doesn't\n\nChannel 1: Of course.\n\nChannel 0: say you guys have to. It's just in terms of gauging\n\nChannel 1: Yeah.\n\nChannel 0: how\n\nChannel 1: I\n\nChannel 0: how\n\nChannel 1: mean,\n\nChannel 0: you\n\nChannel 1: if\n\nChannel 0: feel.\n\nChannel 1: it was if\n\nChannel 0: Yeah.\n\nChannel 1: it was looking good and it and it was a good opportunity, we may. Yeah?\n\nChannel 0: Yep. Okay. Perfect. And some of this is tricky as well because everyone's like, oh, it depends on the situation, and that is 100%\n\nChannel 1: Yeah.\n\nChannel 0: true. It is mainly for me to gauge how you guys would behave and act in a certain situation to\n\nChannel 1: Yep.\n\nChannel 0: match that within time frames and other things to see if it is an appropriate level of risk we have for you. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: Some of them can be a bit tricky, but, essentially\n\nChannel 1: Like, our main to be honest with you, our main goal that we've always wanted is to have a house.\n\nChannel 0: yeah.\n\nChannel 1: But just in this day and age and the way housing prices are and that, we know at this point in time, that's not gonna be viable for us at this point in time. Situations change, and,\n\nChannel 0: Mhmm.\n\nChannel 1: you\n\nChannel 0: Yep.\n\nChannel 1: know,\n\nChannel 0: Yes.\n\nChannel 1: we've got some kids that are getting to the to the age where they could leave, and we can look at, you know, downsizing in house and saving money in bits and place piece. So it could eventually happen. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: But we\n\nChannel 0: Yeah.\n\nChannel 1: just know at this point in time, there's no point because we don't have any spare money to even put away.\n\nChannel 0: Yep.\n\nChannel 1: So there's no point talking to a financial adviser or or or or a mortgage broker or anything like that because we know\n\nChannel 0: Mhmm.\n\nChannel 1: the answer is gonna be no because we've\n\nChannel 0: Okay.\n\nChannel 1: got no savings\n\nChannel 0: Yep.\n\nChannel 1: and everything's tight. But\n\nChannel 0: Yep.\n\nChannel 1: give it another five years or three years or whatever,\n\nChannel 0: Very\n\nChannel 1: that\n\nChannel 0: nice.\n\nChannel 1: could be a totally different scenario\n\nChannel 0: Yes.\n\nChannel 1: because we have a 22 year old and a 16 year\n\nChannel 0: Mhmm.\n\nChannel 1: old. You know what I mean? So\n\nChannel 0: Yep. Things\n\nChannel 1: their\n\nChannel 0: are always changing.\n\nChannel 1: their situations\n\nChannel 0: Mhmm.\n\nChannel 1: could change, which means our situation could change.\n\nChannel 0: Yes. And that's why the under reviews are so good as well. So it is a bit of a checking point to see because things are always changing, and the advice and stuff are never set in stone. It is things\n\nChannel 1: Yeah.\n\nChannel 0: that's always ever evolving and changing. I mean, the market's always changing. Investment's always changing. Your life situation is changing. How much insurance you need is always changing.\n\nSo it is one of those things that it is good to assess just to make sure it's appropriate for where you guys are at at the time. Yep.\n\nChannel 1: Yes.\n\nChannel 0: So and, also, as well, it's like, well, a lot of the time, people are like, well, at the moment, I can't access it until I turn 60. So, you know, that's over, you know, seventeen years away. So\n\nChannel 1: Yes.\n\nChannel 0: I'm comfortable taking a bit of fluctuation because I can't do anything with it anyway. And then the closer you get to retirement, it's like, okay. Well, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money. So it's like,\n\nChannel 1: Yes.\n\nChannel 0: usually, the closer you get to retirement, you then want to start at gradually reducing risk,\n\nChannel 1: Yeah.\n\nChannel 0: typically. So both of you at the moment have come out in a growth portfolio in terms of your risk allocation, which is the portfolio we currently have you allocated through when it comes to risk. So do you guys remember what it means to be a growth investor?\n\nChannel 1: No. Not really. No.\n\nChannel 0: No? I'm\n\nChannel 1: That's why I don't.\n\nChannel 0: sorry. That's\n\nChannel 1: Growth\n\nChannel 0: okay.\n\nChannel 1: usually means a good thing, though.\n\nChannel 0: Yeah. So we in a great typical growth, we we would see investors who are looking at, you know, you you wanna get as much growth of your superannuation while you still have plenty of time. But also where you are comfortable seeing a bit of fluctuations in the short term in order to achieve that. Now\n\nChannel 1: Yes.\n\nChannel 0: when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment? Because I sent you both an email, and\n\nChannel 1: Yeah.\n\nChannel 0: it does make it a bit easier talking about this if you can access it.\n\nChannel 1: Yeah.\n\nChannel 0: They are quite similar if you wanna just look on, like, one phone or something if it's easier.\n\nChannel 1: Yeah.\n\nChannel 0: It\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: I think that's all done.\n\nChannel 0: slightly different some forms, but I can just talk that through, and then you can have a look at it after.\n\nChannel 1: Yep.\n\nChannel 0: Just let me know which account you're logging through just so I can mirror\n\nChannel 1: Yeah. Just\n\nChannel 0: the\n\nChannel 1: send it\n\nChannel 0: forms.\n\nChannel 1: to mine, to hayley\n\nChannel 0: Send\n\nChannel 1: underscore\n\nChannel 0: it to yours?\n\nChannel 1: patricia. Yeah.\n\nChannel 0: Yep. So I have to send it through. So it should have come through about to about a 05:30.\n\nChannel 1: Okay.\n\nChannel 0: It could go\n\nChannel 1: I'll have\n\nChannel 0: to\n\nChannel 1: a look.\n\nChannel 0: spam as well.\n\nChannel 1: I'll have a look.\n\nChannel 0: And we recently have changed the software, so it could very well have gone to spam if you didn't recognize it.\n\nChannel 1: Okay. There's nothing there. Going to inbox. Going to other. Nothing's come into mine\n\nChannel 0: Okay. Let me have a look.\n\nChannel 1: at all.\n\nChannel 0: Did you receive it, Andrew?\n\nChannel 1: Let me have a look. I've looked at did you send it to Hailey_Patricia@Hotmail?\n\nChannel 0: Let me triple check for you. Haley_Patricia@Hotmail.com. Yes.\n\nChannel 1: Yep. Yeah. I haven't got anything. I've looked\n\nChannel 0: Let\n\nChannel 1: in\n\nChannel 0: me see\n\nChannel 1: everything.\n\nChannel 0: here. It says it's missing on my end, but maybe I'll just try to resend it.\n\nChannel 1: What's the I do have something here for you. What's this one? The sign and request annual review\n\nChannel 0: Yes.\n\nChannel 1: 20 that's the one?\n\nChannel 0: Yep. That's the one.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So can we use yours for now, Andrew? And I will\n\nChannel 1: Yeah.\n\nChannel 0: try to\n\nChannel 1: Yeah.\n\nChannel 0: resend\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: fine.\n\nChannel 0: to you, Hailey, and then just let me know\n\nChannel 1: Yeah.\n\nChannel 0: if it came through. I'll just try to resend that.\n\nChannel 1: Did it go into your app store, or did it Yeah. It's just a normal. Yeah. I haven't got\n\nChannel 0: Sometimes let\n\nChannel 1: anything.\n\nChannel 0: me see how I'll just resend it.\n\nChannel 1: Mhmm.\n\nChannel 0: Sometimes at this time of\n\nChannel 1: Mhmm.\n\nChannel 0: the night too, it can be a little bit slower for some reason.\n\nChannel 1: Yeah.\n\nChannel 0: But we can go through Andrews, and then\n\nChannel 1: Yep.\n\nChannel 0: let me know if you do\n\nChannel 1: Oh,\n\nChannel 0: receive\n\nChannel 1: it comes through.\n\nChannel 0: the pay lead.\n\nChannel 1: Yeah.\n\nChannel 0: Amazing.\n\nChannel 1: Mine comes through.\n\nChannel 0: Reset worked, not the first one.\n\nChannel 1: Yeah.\n\nChannel 0: But if we if we do, let's say, yours, Andrew, because it is pretty similar,\n\nChannel 1: Yep.\n\nChannel 0: if you can see one document that says the see, like I said, we have changed the software. So now you don't you don't have to click on the link straight away\n\nChannel 1: Yep.\n\nChannel 0: to sign. So before you click on the link, it will say, at the bottom of the email, can you see a couple of attachments?\n\nChannel 1: Yeah. Yeah. There's,\n\nChannel 0: Yep.\n\nChannel 1: like, six of them or something.\n\nChannel 0: Yes. So if you can\n\nChannel 1: Yep.\n\nChannel 0: open the one that says 2025 Vanguard index chart for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Sorry. It can look a bit messy if you're looking on your your phone, but, essentially, it is a good visual representation of what we are talking about when we're talking about the market. And Vanguard does publish these every year, which is good. And it kind of shows you, like, a bigger picture, and it goes back from 1995 through to 2025.\n\nAnd you can see all the kind of ups and downs of the market depending on the big events that's happened in the world.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, it shows us that the market always goes up in the long term. The short term,\n\nChannel 1: Yes.\n\nChannel 0: there will be ups and downs in different market fluctuations. Now this one here also breaks down the different asset classes. So when we go back to talking about your growth portfolio, we typically see 80% invested in what we call your growth assets. Now these are typically your top four. So you have your US shares, Australian shares, international shares, and property, about 80%.\n\nSo you can see that these are the ones that grow the most, but they also fluctuate the most. And then you do have about 20% in the bottom three. So your defensive investments to\n\nChannel 1: Yeah.\n\nChannel 0: try and limit fluctuations a little bit there for you, but still obviously trying to focus on growing your super. Now when we are talking about a time frame as well, so making sure you have enough time in the market for those fluctuations. In a growth portfolio, we typically want\n\nChannel 1: Yep.\n\nChannel 0: to see at least six years until retirement. So making sure you have enough time for things to come back around. So from a time frame point of view, if you definitely have that behind you, both of you, if you are happy with the level of, like, fluctuation and risk of a growth investor.\n\nChannel 1: Yep.\n\nChannel 0: Yep. You're both happy with that?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Great. Perfect. Now while we are in your email, you will both have a super and insurance summary. But if you can see yours\n\nChannel 1: Yeah.\n\nChannel 0: in front of you, Andrew, if you could open that one.\n\nChannel 1: Yeah. I'm just trying to get out of that.\n\nChannel 0: Yep.\n\nChannel 1: K. But oh, okay. Yeah. That's it. Yep.\n\nSummary one.\n\nChannel 0: Yep.\n\nChannel 1: That one, the third one. Yep.\n\nChannel 0: Yep. You can see that okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So this shows your situation, Andrew. So you can see you have your super in Hub 24, and you do have $207,278 in there. Now\n\nChannel 1: Yep.\n\nChannel 0: for you, Hailey, when you do have a\n\nChannel 1: I've\n\nChannel 0: look at\n\nChannel 1: got\n\nChannel 0: your\n\nChannel 1: mine\n\nChannel 0: email\n\nChannel 1: now.\n\nChannel 0: oh, perfect. So you will see about a 112,379.\n\nChannel 1: Yep.\n\nChannel 0: Now for insurances. So, Andrew, you have insurances with Clearview. For life and TPD, you have 626,000 of 273. Are you still happy with that level of cover for life and TPD if something were to happen to you?\n\nChannel 1: Yeah. I think so. Yeah.\n\nChannel 0: Yep. Perfect. And when it comes to income protection, you do have here that it will be paid out a monthly amount of $5,555 per month, and you do have a thirty day waiting period and a five year benefit period. Now all of that is paid from within superannuation, so you don't pay for anything out of pocket.\n\nChannel 1: Yep.\n\nChannel 0: You do get a 15% tax rebate on the way this is structured. So after that, it is 2,158.\n\nChannel 1: Yep.\n\nChannel 0: Are you still happy with the income protection and everything like that for you as well?\n\nChannel 1: Yeah. I think\n\nChannel 0: Yep. Perfect. And for you,\n\nChannel 1: so.\n\nChannel 0: Hailey, you have life and TPD. With hub twenty four, that is 2 27239. Are you also happy with that level of cover for life and TPD?\n\nChannel 1: I think so.\n\nChannel 0: Yep. It it obviously, it depends on what your goals are, but often what people are needing is clearing out any debts. If something were to happen, which you certainly would cover, and then it's just leaving a bit of extra support to the family if something were to happen or if you can't work to then\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: provide you with a bit of that lump sum. If something were to happen, the super will also be paid on top of that.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. You also have an income protection policy, and that will pay a monthly amount of $3,351 per month. You have a ninety day waiting period and two year benefit period, and your one is 908 per year. Yep. Any questions so far?\n\nThat's pretty straightforward.\n\nChannel 1: Yeah. No. It's not Good. Solve it.\n\nChannel 0: No. Pretty straightforward. Perfect. And now the next one is can you see one where it says twelve month, have a 24 performance report?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Can you say two, Hailey?\n\nChannel 1: Twelve month hub 24. Is that\n\nChannel 0: Yes. It says IRR next to it\n\nChannel 1: yeah.\n\nChannel 0: as well?\n\nChannel 1: Yep. Got\n\nChannel 0: Yep.\n\nChannel 1: that up.\n\nChannel 0: Perfect. So if I start with you, Andrew. So it is quite similar because you do have similar investments. It is just tailored on your balance and fees and stuff like that. But, basically, for both of you, it does break down the individual investments.\n\nSo this is over the last twelve months. So the last twelve months, like I touched on earlier, we have seen quite a bit of fluctuations in the market. It's been a bit turbulent with, obviously, everything in The US with Trump and tariffs and everything and, obviously, more recently with the war. So we have seen a bit of fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: Despite all of that, though, both of your portfolio has still held up pretty good. So for you, Andrew, in the last twelve months, after fees, the portfolio has still gone up by 7.47% after\n\nChannel 1: Yes.\n\nChannel 0: fees. For you, Hailey, same time period, same same other other things. Again, after fees, 7.36.\n\nChannel 1: Yep.\n\nChannel 0: Now with your investments, there is one investment I do wanna touch on a little bit through potential look at changing. So when you do have a look at for both of you, you can basically see that if you look at the column, the second column to the right versus internal rate of return, this is how the individual investment has performed. So the one that has a bracket next to it is down. The others are all positive. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So the one I want to look at a bit more is that that one that is down, which is your Benelon Australian equity.\n\nChannel 1: Yeah.\n\nChannel 0: Now sometimes when investments are down, it is just a cyclical trend depending on the market trends that's going up in the market. And we like to you know, if we still think it's a really good investment, we like to keep it and see, because we believe it's gonna come back around. We've been along. We have done a lot of research on it, and we feel like there might be better options out there, that we could look at instead. Because we've\n\nChannel 1: Yes.\n\nChannel 0: been along the way that they kind of work is that they are a managed fund, so they are actively trying to buy and sell different investments in order to try to outperform the market. And if they are kind of under they have been a little bit slower recently with making their decisions. Before, they were really, really good. They were one of the best performing fund managers, but more recently, they've been a little bit slower with making their decisions. And if that's the case as well and we don't foresee it being the best option for for you, we then wanna look at, okay, what can we swap it for instead, making sure we put you both in the best position moving forward.\n\nChannel 1: Mhmm.\n\nChannel 0: So are you happy, both of you, for me to do a bit of proposal to see what we could swap that one out for you?\n\nChannel 1: Yeah. Yeah. Yeah. They\n\nChannel 0: Yeah?\n\nChannel 1: usually just swap them out anyway. Half the time, I don't even know what to swap them out with. They just watch it and swap it. And so I'm I'm\n\nChannel 0: So\n\nChannel 1: happy\n\nChannel 0: we\n\nChannel 1: to for them to do whatever.\n\nChannel 0: yeah. So with investments, if it is under if it's under 15,000 and it is not a massive change, we can just send you a document to say this is what we've changed. If it's\n\nChannel 1: Yeah.\n\nChannel 0: over 15,000, we have to, from a compliance point, put it in that, like, a statement of advice for you and do a bit more in-depth research.\n\nChannel 1: Okay.\n\nChannel 0: Now for\n\nChannel 1: Yeah.\n\nChannel 0: you, Hailey, it is under 15, but for Andrew, you are over. So\n\nChannel 1: Yeah.\n\nChannel 0: because of that, I might as well do a bit more in-depth for both of you and include it in one strategy if you are happy with that,\n\nChannel 1: Yep.\n\nChannel 0: and we\n\nChannel 1: Yep.\n\nChannel 0: can do it all together.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Alright. Perfect. Now, otherwise, in the email, you should see so for you, Andrew, you will have your Clearview certificate of currency. This shows you the insurances in a bit more, detail there for you.\n\nAnd both of you as well should have a financial services guide version four and then\n\nChannel 1: Oh,\n\nChannel 0: o\n\nChannel 1: you don't\n\nChannel 0: two\n\nChannel 1: have\n\nChannel 0: services\n\nChannel 1: it?\n\nChannel 0: guide version one.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah? You following\n\nChannel 1: Good.\n\nChannel 0: me so far?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's the guy\n\nChannel 0: Clear fee.\n\nChannel 1: service guy. Yeah.\n\nChannel 0: Yep. So for example let me just see here. If you wanna open the OQ services guide, the other one is just kind of like a smaller version. So I'll let you guys have a read over that in your own time. But if you wanna open the OQ services guide, now this is the same one for both of you, It is\n\nChannel 1: Yeah.\n\nChannel 0: one of those compliance forms. You probably have seen these a few times, but, basically, it gives you all the important information in regards to us here. None of the information has none of the important information has changed, but we recently had a bit of an update through marketing, which is great. We've got a bit more updated photos, which is nice, and we've had a bit of an extension to the team as well. So as you guys have a have a scroll through, you guys can read this in your own time as well.\n\nBut if you do wanna put a face through my voice as well to know who you're actually speaking with, if you want to scroll down through page 10, I believe, you should see myself there next to Dana.\n\nChannel 1: Okay. This one. This one. It's the first\n\nChannel 0: You can\n\nChannel 1: one.\n\nChannel 0: kind of scroll through. You can see a cup\n\nChannel 1: Five\n\nChannel 0: you can\n\nChannel 1: five\n\nChannel 0: see\n\nChannel 1: zero\n\nChannel 0: the team,\n\nChannel 1: one.\n\nChannel 0: like, the director.\n\nChannel 1: Yeah. We just have the wrong one open.\n\nChannel 0: You're like, there is no page 10.\n\nChannel 1: Okay. Yep. I see you.\n\nChannel 0: Yeah. So sometimes it is nice to see who you are talking with, and you can kind of have a scroll through your own time as well with, you know, all the advices and everything in here for you as well. That was basically all of the documents there. Now there is one attachment for both of you to sign. Now you have already signed your ongoing service agreement before, so you don't have to do that.\n\nThat one was basically to say that you're happy to stay on as a client. There was no changes whatsoever in regards to that fee structure. It stayed exactly the same at 1.1. But you guys have\n\nChannel 1: Yeah.\n\nChannel 0: already signed that. So the only thing outstanding for both of you is a tax file number opt in form. So if you guys click out of your inbox and then click on the link where it says request signature sign now, can you guys then see both of you a form where it says option to provide tax file number?\n\nChannel 1: Which one were we looking? Just\n\nChannel 0: Sorry.\n\nChannel 1: press\n\nChannel 0: If\n\nChannel 1: one.\n\nChannel 0: you click on\n\nChannel 1: Oh,\n\nChannel 0: the link\n\nChannel 1: okay. Bye\n\nChannel 0: yeah.\n\nChannel 1: bye. Bye. Option to provide tax phone number. Yep.\n\nChannel 0: Yep. Sorry. This\n\nChannel 1: Yeah.\n\nChannel 0: is the only one that requires a signature, and that is basically another compliance form just to say we are keeping your tax number secure and safe on file.\n\nChannel 1: Yeah.\n\nChannel 0: So if you guys are happy to add a little scribble on that one and then press see that finish or start or validate, and then it should say, like, a little wheel that loads, and then it should just send it back to me.\n\nChannel 1: Sign? I saw sign all. I just did\n\nChannel 0: There should just be one, so you could do\n\nChannel 1: sign\n\nChannel 0: either because it should\n\nChannel 1: all.\n\nChannel 0: take you just to where you need to sign. You can't you can't just sign\n\nChannel 1: Yep.\n\nChannel 0: all because it should just be that one form.\n\nChannel 1: And then we'll just go the date in it. It'll automatically do it. It's just that.\n\nChannel 0: Usually.\n\nChannel 1: Cool.\n\nChannel 0: Yes.\n\nChannel 1: Validate.\n\nChannel 0: Yeah.\n\nChannel 1: Validate. Yep. All done.\n\nChannel 0: Alright. Perfect. I can see, Hailey, yours have come through.\n\nChannel 1: And\n\nChannel 0: Andrea's\n\nChannel 1: this is\n\nChannel 0: yours\n\nChannel 1: doing\n\nChannel 0: must\n\nChannel 1: a.\n\nChannel 0: be no.\n\nChannel 1: It's just\n\nChannel 0: That's\n\nChannel 1: taking.\n\nChannel 0: okay. While I do\n\nChannel 1: Yep.\n\nChannel 0: wait for Andrea to oh, beautiful. That has come through as well, which is great.\n\nChannel 1: Done.\n\nChannel 0: So, basically, from here is that I will pre fill those beneficiary forms for you, send it through to you, Hailey, get\n\nChannel 1: Yep.\n\nChannel 0: that all sorted. I'll attach the cash flow and budget spreadsheet as well. Otherwise, I will go and do the research on your investments to see if we wanna swap out that Benelung for you and what that would look like. So while\n\nChannel 1: Yeah.\n\nChannel 0: I have you on the phone, I can book in a time to go through that. And are you happy to do that together again on\n\nChannel 1: Yeah.\n\nChannel 0: the phone? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now when is the best time for you to do that?\n\nChannel 1: Usually, like, usually around the time we did today\n\nChannel 0: Okay.\n\nChannel 1: is the\n\nChannel 0: Sorry about\n\nChannel 1: better.\n\nChannel 0: this.\n\nChannel 1: Thursdays, Fridays is our better days, like yeah. Because I work at the start of the week.\n\nChannel 0: Yeah.\n\nChannel 1: I do overnighters. So, usually, like, Thursdays and Fridays is probably the better. In saying that Monday, you'd Mondays, I go to work too. Oh, yeah. But we don't staying to work as well.\n\nSo Yeah. So Monday is probably another good day.\n\nChannel 0: Okay. Let me have a look. So I don't\n\nChannel 1: I'm\n\nChannel 0: work\n\nChannel 1: just\n\nChannel 0: Friday,\n\nChannel 1: because I've got a work\n\nChannel 0: the\n\nChannel 1: around\n\nChannel 0: first.\n\nChannel 1: sport as well, like,\n\nChannel 0: Yeah.\n\nChannel 1: afternoon sports.\n\nChannel 0: No. That's okay. Alright. Let me have a look at availability. Sorry.\n\nI could do Thursday, June 4. I could do same time, 05:30.\n\nChannel 1: Let me\n\nChannel 0: Otherwise, that'll be Thursday, sorry, in two weeks. Thursday, June 4 at 05:30.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise because Thursdays is my when I work after hours.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, if we want to look at a Monday, I could do Monday the first at 4PM\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: I'm still\n\nChannel 0: No.\n\nChannel 1: I'm now just finishing up with things. That yeah. It was six to\n\nChannel 0: It's\n\nChannel 1: the fourth\n\nChannel 0: a bit too\n\nChannel 1: of June.\n\nChannel 0: early.\n\nChannel 1: That's fine.\n\nChannel 0: Okay. So fourth\n\nChannel 1: Yep.\n\nChannel 0: of June at 05:30.\n\nChannel 1: Yep.\n\nChannel 0: The same as now. Okay. Perfect. Well, I will get that all booked in on Thursday, June 4 at 05:30. I'll give you a call again and send you guys the proposal, and we can kind of go through it.\n\nIt should be a little bit quicker than today's conversation.\n\nChannel 1: Yeah.\n\nChannel 0: But before I let you guys go, otherwise, do you have any other questions for me before I let you go and enjoy the rest of your afternoon or evening,\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: should say?\n\nChannel 1: it. No. I went\n\nChannel 0: That's\n\nChannel 1: pretty\n\nChannel 0: all\n\nChannel 1: good.\n\nChannel 0: good. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. If you can't think of anything and you there is anything else, so just let me know. But, otherwise, I look forward to speaking with you both on Thursday, June 4.\n\nChannel 1: Thank you. Alright. Thank you.\n\nChannel 0: Mhmm. No problem at all. We'll speak soon.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Alright.\n\nChannel 1: Bye. Have a good\n\nChannel 0: Bye.\n\nChannel 1: night. Bye.\n\nChannel 0: You\n\nChannel 1: Bye.\n\nChannel 0: too.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.035849519073963165}],"sentiment":"neutral","sentiment_score":0.035849519073963165,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon.","start":1.76,"end":2.48,"sentiment":"neutral","sentiment_score":0.24527284502983093},{"text":"This is Andrew.","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.1748588482538859}],"sentiment":"neutral","sentiment_score":0.20302444696426392,"channel":0,"num_words":5,"start":1.76,"end":3.3799999},{"sentences":[{"text":"Yeah.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.15744498372077942}],"sentiment":"neutral","sentiment_score":0.15744498372077942,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":4.72,"end":6.98,"sentiment":"neutral","sentiment_score":0.16391884287198386},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.15911302467187247}],"sentiment":"neutral","sentiment_score":0.16231690347194672,"channel":0,"num_words":9,"start":4.72,"end":7.8599997},{"sentences":[{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"positive","sentiment_score":0.4257148206233978},{"text":"Thanks.","start":8.24,"end":8.74,"sentiment":"positive","sentiment_score":0.44851189851760864}],"sentiment":"positive","sentiment_score":0.43711335957050323,"channel":1,"num_words":2,"start":7.9199996,"end":8.74},{"sentences":[{"text":"Not good.","start":9.44,"end":10.26,"sentiment":"neutral","sentiment_score":0.049561165273189545},{"text":"I had you and Hailey booked in for your annual review.","start":10.719999,"end":13.599999,"sentiment":"positive","sentiment_score":0.35853162136944855},{"text":"Is now still a good time for both of you?","start":13.599999,"end":15.615,"sentiment":"positive","sentiment_score":0.37146187871694564}],"sentiment":"positive","sentiment_score":0.3372864762078161,"channel":0,"num_words":23,"start":9.44,"end":15.615},{"sentences":[{"text":"Yeah.","start":15.8550005,"end":16.355,"sentiment":"neutral","sentiment_score":0.10482712090015411},{"text":"Yep.","start":16.495,"end":16.995,"sentiment":"neutral","sentiment_score":0.08084587007761002}],"sentiment":"neutral","sentiment_score":0.09283649548888206,"channel":1,"num_words":2,"start":15.8550005,"end":16.995},{"sentences":[{"text":"Yep.","start":16.815,"end":17.295,"sentiment":"neutral","sentiment_score":0.07151810824871063},{"text":"And is Hailey there with you as well?","start":17.295,"end":19.314999,"sentiment":"neutral","sentiment_score":0.05595070356503129}],"sentiment":"neutral","sentiment_score":0.05768041519655122,"channel":0,"num_words":9,"start":16.815,"end":19.314999},{"sentences":[{"text":"Yeah.","start":18.975,"end":19.295,"sentiment":"neutral","sentiment_score":0.06014071777462959},{"text":"She's here with me.","start":19.295,"end":20.015,"sentiment":"neutral","sentiment_score":0.07198017090559006},{"text":"Yep.","start":20.015,"end":20.515,"sentiment":"neutral","sentiment_score":0.06548042595386505}],"sentiment":"neutral","sentiment_score":0.06892363789180915,"channel":1,"num_words":6,"start":18.975,"end":20.515},{"sentences":[{"text":"Yep.","start":20.654999,"end":21.055,"sentiment":"neutral","sentiment_score":0.08053283393383026},{"text":"Okay.","start":21.055,"end":21.535,"sentiment":"neutral","sentiment_score":0.19450606405735016},{"text":"Perfect.","start":21.535,"end":22.035,"sentiment":"positive","sentiment_score":0.4102104008197784},{"text":"Now just before I do go any further, I just need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay?","start":23.055,"end":30.835,"sentiment":"neutral","sentiment_score":0.07007866973678271}],"sentiment":"neutral","sentiment_score":0.08447301184589212,"channel":0,"num_words":33,"start":20.654999,"end":30.835},{"sentences":[{"text":"Yeah.","start":31.31,"end":31.55,"sentiment":"neutral","sentiment_score":0.09849779307842256},{"text":"That's fine.","start":31.55,"end":32.29,"sentiment":"neutral","sentiment_score":0.1579952910542488}],"sentiment":"neutral","sentiment_score":0.1381627917289734,"channel":1,"num_words":3,"start":31.31,"end":32.29},{"sentences":[{"text":"Yep.","start":32.53,"end":33.010002,"sentiment":"neutral","sentiment_score":0.12009365856647491}],"sentiment":"neutral","sentiment_score":0.12009365856647491,"channel":0,"num_words":1,"start":32.53,"end":33.010002},{"sentences":[{"text":"Yes.","start":32.59,"end":33.09,"sentiment":"neutral","sentiment_score":0.17213992774486542}],"sentiment":"neutral","sentiment_score":0.17213992774486542,"channel":1,"num_words":1,"start":32.59,"end":33.09},{"sentences":[{"text":"Perfect.","start":33.010002,"end":33.510002,"sentiment":"neutral","sentiment_score":0.27150461077690125},{"text":"And just for security purposes, I will just need both of you to confirm security.","start":34.13,"end":38.79,"sentiment":"neutral","sentiment_score":0.10205729752779007},{"text":"Now, Hailey, for yourself, I do have a password on file.","start":39.41,"end":42.61,"sentiment":"neutral","sentiment_score":0.07520946928045967},{"text":"Do you know who that might be?","start":42.61,"end":44.15,"sentiment":"neutral","sentiment_score":0.02868558998618807}],"sentiment":"neutral","sentiment_score":0.08324904016712133,"channel":0,"num_words":34,"start":33.010002,"end":44.15},{"sentences":[{"text":"Andy.","start":44.815002,"end":45.315002,"sentiment":"neutral","sentiment_score":0.030894406139850616}],"sentiment":"neutral","sentiment_score":0.030894406139850616,"channel":1,"num_words":1,"start":44.815002,"end":45.315002},{"sentences":[{"text":"Yep.","start":45.655,"end":46.135,"sentiment":"neutral","sentiment_score":0.05665573477745056},{"text":"Perfect.","start":46.135,"end":46.635,"sentiment":"neutral","sentiment_score":0.1737235188484192},{"text":"And, Andrew, for you, I don't have a password.","start":46.934998,"end":49.175,"sentiment":"neutral","sentiment_score":0.05744933233492904},{"text":"So if you could confirm your full name, date of birth, and address, please.","start":49.175,"end":52.795,"sentiment":"neutral","sentiment_score":0.0670647504074233}],"sentiment":"neutral","sentiment_score":0.06745319001376629,"channel":0,"num_words":25,"start":45.655,"end":52.795},{"sentences":[{"text":"Andrew Jared Williams.","start":53.21,"end":54.51,"sentiment":"neutral","sentiment_score":0.014700830603639284},{"text":"Fifteenth of the eighth eighty three.","start":54.57,"end":56.59,"sentiment":"neutral","sentiment_score":0.026700719570120175},{"text":"And would you want address?","start":57.29,"end":58.51,"sentiment":"neutral","sentiment_score":0.017307659424841405}],"sentiment":"neutral","sentiment_score":0.020774650453988994,"channel":1,"num_words":14,"start":53.21,"end":58.51},{"sentences":[{"text":"Yes, please.","start":58.95,"end":59.77,"sentiment":"neutral","sentiment_score":0.02451600506901741}],"sentiment":"neutral","sentiment_score":0.02451600506901741,"channel":0,"num_words":2,"start":58.95,"end":59.77},{"sentences":[{"text":"114 Robertson Road, Kalani Bar.","start":60.17,"end":63.07,"sentiment":"neutral","sentiment_score":0.030186233296990394}],"sentiment":"neutral","sentiment_score":0.030186233296990394,"channel":1,"num_words":5,"start":60.17,"end":63.07},{"sentences":[{"text":"Perfect.","start":63.27,"end":63.77,"sentiment":"neutral","sentiment_score":0.32518965005874634},{"text":"Would you like to put a password in, or you're happy to just do the three point security when we call you?","start":63.83,"end":68.835,"sentiment":"neutral","sentiment_score":0.2223703691905195}],"sentiment":"neutral","sentiment_score":0.22684077270652936,"channel":0,"num_words":23,"start":63.27,"end":68.835},{"sentences":[{"text":"Yeah.","start":68.595,"end":68.675,"sentiment":"neutral","sentiment_score":0.14098691940307617},{"text":"Just yeah.","start":68.675,"end":69.395004,"sentiment":"neutral","sentiment_score":0.1792708933353424},{"text":"Just make it highly.","start":69.395004,"end":70.455,"sentiment":"neutral","sentiment_score":0.2821723259985447}],"sentiment":"neutral","sentiment_score":0.23260257286684854,"channel":1,"num_words":7,"start":68.595,"end":70.455},{"sentences":[{"text":"Yeah.","start":70.755,"end":71.255,"sentiment":"positive","sentiment_score":0.404340922832489},{"text":"Makes it nice and easy.","start":71.395,"end":72.775,"sentiment":"positive","sentiment_score":0.5542873859405517}],"sentiment":"positive","sentiment_score":0.5292963087558746,"channel":0,"num_words":6,"start":70.755,"end":72.775},{"sentences":[{"text":"Yeah.","start":73.315,"end":73.815,"sentiment":"neutral","sentiment_score":0.3178570866584778}],"sentiment":"neutral","sentiment_score":0.3178570866584778,"channel":1,"num_words":1,"start":73.315,"end":73.815},{"sentences":[{"text":"Perfect.","start":73.395,"end":73.895,"sentiment":"positive","sentiment_score":0.3651122152805328},{"text":"Now before I do jump into the under review as well, I do like to start by asking if there is anything specific that either of you would like to discuss further today or have any specific questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months.","start":75.395,"end":90.439995,"sentiment":"neutral","sentiment_score":0.07050044320780656}],"sentiment":"neutral","sentiment_score":0.07549386307344598,"channel":0,"num_words":59,"start":73.395,"end":90.439995},{"sentences":[{"text":"No.","start":91.07,"end":91.31,"sentiment":"neutral","sentiment_score":-0.09157215058803558},{"text":"Nothing's busy.","start":91.31,"end":92.03,"sentiment":"neutral","sentiment_score":-0.08904706314206123},{"text":"You'll see what happens when we hear what you got to say, I guess, and go for that.","start":92.03,"end":95.49,"sentiment":"neutral","sentiment_score":-0.042428136285808354}],"sentiment":"neutral","sentiment_score":-0.049208225238890874,"channel":1,"num_words":21,"start":91.07,"end":95.49},{"sentences":[{"text":"Yeah.","start":95.21999,"end":95.71999,"sentiment":"neutral","sentiment_score":0.12347154319286346},{"text":"Perfect.","start":96.1,"end":96.579994,"sentiment":"neutral","sentiment_score":0.24395820498466492},{"text":"And that's the same for you, Hailey?","start":96.579994,"end":98.28,"sentiment":"neutral","sentiment_score":0.1560531726905278}],"sentiment":"neutral","sentiment_score":0.16220021744569144,"channel":0,"num_words":9,"start":95.21999,"end":98.28},{"sentences":[{"text":"Yeah.","start":98.775,"end":99.175,"sentiment":"neutral","sentiment_score":0.06288370490074158},{"text":"Yeah.","start":99.175,"end":99.675,"sentiment":"neutral","sentiment_score":0.0644308403134346}],"sentiment":"neutral","sentiment_score":0.06365727260708809,"channel":1,"num_words":2,"start":98.775,"end":99.675},{"sentences":[{"text":"Yep.","start":99.725006,"end":100.125,"sentiment":"neutral","sentiment_score":0.07554064691066742},{"text":"Alright.","start":100.125,"end":100.605,"sentiment":"neutral","sentiment_score":0.1652050018310547},{"text":"Perfect.","start":100.605,"end":101.105,"sentiment":"neutral","sentiment_score":0.24634641408920288},{"text":"Well, what I might do first is to just go through a bit of an updated fact find with you both just to see if there is anything major that has changed in your life or if you need to make any changes to your advice.","start":101.165,"end":113.665,"sentiment":"neutral","sentiment_score":0.06249050212943036}],"sentiment":"neutral","sentiment_score":0.0686052073629535,"channel":0,"num_words":49,"start":99.725006,"end":113.665},{"sentences":[{"text":"Yep.","start":114.71999,"end":115.21999,"sentiment":"neutral","sentiment_score":0.02303113229572773}],"sentiment":"neutral","sentiment_score":0.02303113229572773,"channel":1,"num_words":1,"start":114.71999,"end":115.21999},{"sentences":[{"text":"So just bear with me as I go through this, and I'll try to do it as quickly as I can for for both","start":114.88,"end":119.68,"sentiment":"neutral","sentiment_score":0.006243494203469406}],"sentiment":"neutral","sentiment_score":0.006243494203469406,"channel":0,"num_words":24,"start":114.88,"end":119.68},{"sentences":[{"text":"Yep.","start":119.439995,"end":119.939995,"sentiment":"neutral","sentiment_score":0.017381614074110985}],"sentiment":"neutral","sentiment_score":0.017381614074110985,"channel":1,"num_words":1,"start":119.439995,"end":119.939995},{"sentences":[{"text":"of you.","start":119.68,"end":120.34,"sentiment":"neutral","sentiment_score":0.009659428149461746},{"text":"Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older.","start":121.04,"end":131.585,"sentiment":"neutral","sentiment_score":0.0008739367748300235},{"text":"Is that correct?","start":131.585,"end":132.405,"sentiment":"neutral","sentiment_score":0.015411009080708027}],"sentiment":"neutral","sentiment_score":0.002621999622455665,"channel":0,"num_words":35,"start":119.68,"end":132.405},{"sentences":[{"text":"Yes.","start":132.805,"end":133.305,"sentiment":"neutral","sentiment_score":0.045713283121585846}],"sentiment":"neutral","sentiment_score":0.045713283121585846,"channel":1,"num_words":1,"start":132.805,"end":133.305},{"sentences":[{"text":"Yep.","start":133.74501,"end":134.24501,"sentiment":"neutral","sentiment_score":0.09710042178630827},{"text":"Perfect.","start":134.30501,"end":134.80501,"sentiment":"positive","sentiment_score":0.3708494305610657},{"text":"And with you, Andrew, when it comes to your employment, has any of that changed in the last 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away.","start":2184.0251,"end":2187.0051,"sentiment":"neutral","sentiment_score":-0.13640938177704812},{"text":"So","start":2187.385,"end":2187.885,"sentiment":"neutral","sentiment_score":0.04128289222717285}],"sentiment":"neutral","sentiment_score":-0.12940270205338797,"channel":0,"num_words":39,"start":2177.065,"end":2187.885},{"sentences":[{"text":"Yes.","start":2187.75,"end":2188.25,"sentiment":"neutral","sentiment_score":0.16731849312782288}],"sentiment":"neutral","sentiment_score":0.16731849312782288,"channel":1,"num_words":1,"start":2187.75,"end":2188.25},{"sentences":[{"text":"I'm comfortable taking a bit of fluctuation because I can't do anything with it anyway.","start":2187.945,"end":2191.565,"sentiment":"neutral","sentiment_score":-0.07345197002092997},{"text":"And then the closer you get to retirement, it's like, okay.","start":2191.77,"end":2194.65,"sentiment":"neutral","sentiment_score":-0.056412491693415424},{"text":"Well, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money.","start":2194.65,"end":2202.27,"sentiment":"neutral","sentiment_score":-0.2981538202228217},{"text":"So it's like,","start":2202.41,"end":2203.05,"sentiment":"neutral","sentiment_score":-0.04219751370449861}],"sentiment":"neutral","sentiment_score":-0.1809546601123594,"channel":0,"num_words":58,"start":2187.945,"end":2203.05},{"sentences":[{"text":"Yes.","start":2203.025,"end":2203.525,"sentiment":"neutral","sentiment_score":0.052563123404979706}],"sentiment":"neutral","sentiment_score":0.052563123404979706,"channel":1,"num_words":1,"start":2203.025,"end":2203.525},{"sentences":[{"text":"usually, the closer you get to retirement, you then want to start at gradually reducing risk,","start":2203.05,"end":2208.9348,"sentiment":"neutral","sentiment_score":-0.021817778469994664}],"sentiment":"neutral","sentiment_score":-0.021817778469994664,"channel":0,"num_words":16,"start":2203.05,"end":2208.9348},{"sentences":[{"text":"Yeah.","start":2209.66,"end":2210.16,"sentiment":"neutral","sentiment_score":0.028013654053211212}],"sentiment":"neutral","sentiment_score":0.028013654053211212,"channel":1,"num_words":1,"start":2209.66,"end":2210.16},{"sentences":[{"text":"typically.","start":2210.9148,"end":2211.4148,"sentiment":"neutral","sentiment_score":0.04230314493179321},{"text":"So both of you at the moment have come out in a growth portfolio in terms of your risk allocation, which is the portfolio we currently have you allocated through when it comes to risk.","start":2211.555,"end":2223.94,"sentiment":"neutral","sentiment_score":0.10873039747987474},{"text":"So do you guys remember what it means to be a growth 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means a good thing, though.","start":2233.8298,"end":2235.5298,"sentiment":"neutral","sentiment_score":0.3210243731737137}],"sentiment":"neutral","sentiment_score":0.3210243731737137,"channel":1,"num_words":6,"start":2233.8298,"end":2235.5298},{"sentences":[{"text":"Yeah.","start":2236.335,"end":2236.835,"sentiment":"neutral","sentiment_score":0.24597257375717163},{"text":"So we in a great typical growth, we we would see investors who are looking at, you know, you you wanna get as much growth of your superannuation while you still have plenty of time.","start":2237.375,"end":2247.155,"sentiment":"neutral","sentiment_score":0.31410338027136664},{"text":"But also where you are comfortable seeing a bit of fluctuations in the short term in order to achieve that.","start":2247.94,"end":2254.44,"sentiment":"neutral","sentiment_score":0.2473680391907692},{"text":"Now","start":2255.06,"end":2255.46,"sentiment":"neutral","sentiment_score":0.154240220785141}],"sentiment":"neutral","sentiment_score":0.2866875769799216,"channel":0,"num_words":57,"start":2236.335,"end":2255.46},{"sentences":[{"text":"Yes.","start":2255.115,"end":2255.615,"sentiment":"neutral","sentiment_score":0.13803958892822266}],"sentiment":"neutral","sentiment_score":0.13803958892822266,"channel":1,"num_words":1,"start":2255.115,"end":2255.615},{"sentences":[{"text":"when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment?","start":2255.46,"end":2261.56,"sentiment":"neutral","sentiment_score":0.08736262876879085},{"text":"Because I sent you both an email, and","start":2261.595,"end":2264.155,"sentiment":"neutral","sentiment_score":0.06329086143523455}],"sentiment":"neutral","sentiment_score":0.08094349081317584,"channel":0,"num_words":30,"start":2255.46,"end":2264.155},{"sentences":[{"text":"Yeah.","start":2263.8,"end":2264.3,"sentiment":"neutral","sentiment_score":0.24727220833301544}],"sentiment":"neutral","sentiment_score":0.24727220833301544,"channel":1,"num_words":1,"start":2263.8,"end":2264.3},{"sentences":[{"text":"it does make it a bit easier talking about this if you can access 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easier.","start":2270.2349,"end":2275.435,"sentiment":"neutral","sentiment_score":0.1633906608654393}],"sentiment":"neutral","sentiment_score":0.1633906608654393,"channel":0,"num_words":18,"start":2270.2349,"end":2275.435},{"sentences":[{"text":"Yeah.","start":2275.015,"end":2275.4949,"sentiment":"neutral","sentiment_score":0.10025394707918169}],"sentiment":"neutral","sentiment_score":0.10025394707918169,"channel":1,"num_words":1,"start":2275.015,"end":2275.4949},{"sentences":[{"text":"It","start":2275.435,"end":2275.515,"sentiment":"neutral","sentiment_score":0.07706089317798615}],"sentiment":"neutral","sentiment_score":0.07706089317798615,"channel":0,"num_words":1,"start":2275.435,"end":2275.515},{"sentences":[{"text":"Yeah.","start":2275.4949,"end":2275.735,"sentiment":"neutral","sentiment_score":0.10155294835567474}],"sentiment":"neutral","sentiment_score":0.10155294835567474,"channel":1,"num_words":1,"start":2275.4949,"end":2275.735},{"sentences":[{"text":"is","start":2275.515,"end":2276.01,"sentiment":"neutral","sentiment_score":0.0924539640545845}],"sentiment":"neutral","sentiment_score":0.0924539640545845,"channel":0,"num_words":1,"start":2275.515,"end":2276.01},{"sentences":[{"text":"I think that's all done.","start":2275.735,"end":2276.795,"sentiment":"neutral","sentiment_score":0.09123146831989289}],"sentiment":"neutral","sentiment_score":0.09123146831989289,"channel":1,"num_words":5,"start":2275.735,"end":2276.795},{"sentences":[{"text":"slightly different some forms, but I can just talk that through, and then you can have a look at it after.","start":2276.41,"end":2281.23,"sentiment":"neutral","sentiment_score":0.0807055744919039}],"sentiment":"neutral","sentiment_score":0.0807055744919039,"channel":0,"num_words":21,"start":2276.41,"end":2281.23},{"sentences":[{"text":"Yep.","start":2281.815,"end":2282.315,"sentiment":"neutral","sentiment_score":0.07619889080524445}],"sentiment":"neutral","sentiment_score":0.07619889080524445,"channel":1,"num_words":1,"start":2281.815,"end":2282.315},{"sentences":[{"text":"Just let me know which account you're logging through just so I can 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hayley","start":2286.295,"end":2287.735,"sentiment":"neutral","sentiment_score":0.015076252166181803}],"sentiment":"neutral","sentiment_score":0.015076252166181803,"channel":1,"num_words":4,"start":2286.295,"end":2287.735},{"sentences":[{"text":"Send","start":2287.53,"end":2287.77,"sentiment":"neutral","sentiment_score":0.013044948689639568}],"sentiment":"neutral","sentiment_score":0.013044948689639568,"channel":0,"num_words":1,"start":2287.53,"end":2287.77},{"sentences":[{"text":"underscore","start":2287.735,"end":2288.235,"sentiment":"neutral","sentiment_score":0.023446936160326004}],"sentiment":"neutral","sentiment_score":0.023446936160326004,"channel":1,"num_words":1,"start":2287.735,"end":2288.235},{"sentences":[{"text":"it to yours?","start":2287.77,"end":2288.51,"sentiment":"neutral","sentiment_score":0.021288180102904636}],"sentiment":"neutral","sentiment_score":0.021288180102904636,"channel":0,"num_words":3,"start":2287.77,"end":2288.51},{"sentences":[{"text":"patricia.","start":2288.455,"end":2288.955,"sentiment":"neutral","sentiment_score":0.025938227772712708},{"text":"Yeah.","start":2289.175,"end":2289.675,"sentiment":"neutral","sentiment_score":0.06828776746988297}],"sentiment":"neutral","sentiment_score":0.047112997621297836,"channel":1,"num_words":2,"start":2288.455,"end":2289.675},{"sentences":[{"text":"Yep.","start":2290.095,"end":2290.415,"sentiment":"neutral","sentiment_score":0.08206255733966827},{"text":"So I have to send it through.","start":2290.415,"end":2292.335,"sentiment":"neutral","sentiment_score":0.06280483305454254},{"text":"So it should have come through about to about a 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have","start":2298.22,"end":2298.46,"sentiment":"neutral","sentiment_score":-0.17713908851146698}],"sentiment":"neutral","sentiment_score":-0.17713908851146698,"channel":1,"num_words":2,"start":2298.22,"end":2298.46},{"sentences":[{"text":"to","start":2298.415,"end":2298.655,"sentiment":"neutral","sentiment_score":-0.16091428697109222}],"sentiment":"neutral","sentiment_score":-0.16091428697109222,"channel":0,"num_words":1,"start":2298.415,"end":2298.655},{"sentences":[{"text":"a look.","start":2298.46,"end":2299.0398,"sentiment":"neutral","sentiment_score":-0.14338848739862442}],"sentiment":"neutral","sentiment_score":-0.14338848739862442,"channel":1,"num_words":2,"start":2298.46,"end":2299.0398},{"sentences":[{"text":"spam as well.","start":2298.655,"end":2299.795,"sentiment":"neutral","sentiment_score":-0.2612909773985545}],"sentiment":"neutral","sentiment_score":-0.2612909773985545,"channel":0,"num_words":3,"start":2298.655,"end":2299.795},{"sentences":[{"text":"I'll have a 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receive it, Andrew?","start":2332.98,"end":2334.68,"sentiment":"neutral","sentiment_score":0.03356745950877667}],"sentiment":"neutral","sentiment_score":0.03356745950877667,"channel":0,"num_words":5,"start":2332.98,"end":2334.68},{"sentences":[{"text":"Let me have a look.","start":2334.9749,"end":2336.115,"sentiment":"neutral","sentiment_score":0.022664593532681465},{"text":"I've looked at did you send it to Hailey_Patricia@Hotmail?","start":2340.1748,"end":2344.355,"sentiment":"neutral","sentiment_score":0.016707060237725575}],"sentiment":"neutral","sentiment_score":0.01883475070020982,"channel":1,"num_words":14,"start":2334.9749,"end":2344.355},{"sentences":[{"text":"Let me triple check for 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one?","start":2370.435,"end":2371.735,"sentiment":"neutral","sentiment_score":0.07812838070094585}],"sentiment":"neutral","sentiment_score":0.07812838070094585,"channel":1,"num_words":4,"start":2370.435,"end":2371.735},{"sentences":[{"text":"Yep.","start":2371.825,"end":2372.145,"sentiment":"neutral","sentiment_score":0.10389932990074158},{"text":"That's the one.","start":2372.145,"end":2373.0452,"sentiment":"neutral","sentiment_score":0.1501820683479309}],"sentiment":"neutral","sentiment_score":0.13861138373613358,"channel":0,"num_words":4,"start":2371.825,"end":2373.0452},{"sentences":[{"text":"Yep.","start":2373.05,"end":2373.55,"sentiment":"neutral","sentiment_score":0.1448802947998047}],"sentiment":"neutral","sentiment_score":0.1448802947998047,"channel":1,"num_words":1,"start":2373.05,"end":2373.55},{"sentences":[{"text":"Alright.","start":2374.0652,"end":2374.5452,"sentiment":"neutral","sentiment_score":0.19796553254127505},{"text":"So can we use yours for now, Andrew?","start":2374.5452,"end":2377.105,"sentiment":"neutral","sentiment_score":0.166055703535676},{"text":"And I will","start":2377.105,"end":2377.585,"sentiment":"neutral","sentiment_score":0.08550199121236801}],"sentiment":"neutral","sentiment_score":0.14857642787198225,"channel":0,"num_words":12,"start":2374.0652,"end":2377.585},{"sentences":[{"text":"Yeah.","start":2377.53,"end":2377.77,"sentiment":"neutral","sentiment_score":0.07181905955076218}],"sentiment":"neutral","sentiment_score":0.07181905955076218,"channel":1,"num_words":1,"start":2377.53,"end":2377.77},{"sentences":[{"text":"try to","start":2377.585,"end":2377.905,"sentiment":"neutral","sentiment_score":0.03540121577680111}],"sentiment":"neutral","sentiment_score":0.03540121577680111,"channel":0,"num_words":2,"start":2377.585,"end":2377.905},{"sentences":[{"text":"Yeah.","start":2377.77,"end":2378.01,"sentiment":"neutral","sentiment_score":0.05290243774652481}],"sentiment":"neutral","sentiment_score":0.05290243774652481,"channel":1,"num_words":1,"start":2377.77,"end":2378.01},{"sentences":[{"text":"resend","start":2377.905,"end":2378.3052,"sentiment":"neutral","sentiment_score":0.04888297617435455}],"sentiment":"neutral","sentiment_score":0.04888297617435455,"channel":0,"num_words":1,"start":2377.905,"end":2378.3052},{"sentences":[{"text":"That's","start":2378.01,"end":2378.33,"sentiment":"neutral","sentiment_score":0.3107168674468994}],"sentiment":"neutral","sentiment_score":0.3107168674468994,"channel":1,"num_words":1,"start":2378.01,"end":2378.33},{"sentences":[{"text":"it","start":2378.3052,"end":2378.465,"sentiment":"positive","sentiment_score":0.34460684657096863}],"sentiment":"positive","sentiment_score":0.34460684657096863,"channel":0,"num_words":1,"start":2378.3052,"end":2378.465},{"sentences":[{"text":"fine.","start":2378.33,"end":2378.83,"sentiment":"neutral","sentiment_score":0.2971993684768677}],"sentiment":"neutral","sentiment_score":0.2971993684768677,"channel":1,"num_words":1,"start":2378.33,"end":2378.83},{"sentences":[{"text":"to you, Hailey, and then just let me know","start":2378.465,"end":2380.725,"sentiment":"neutral","sentiment_score":0.1770475912425253}],"sentiment":"neutral","sentiment_score":0.1770475912425253,"channel":0,"num_words":9,"start":2378.465,"end":2380.725},{"sentences":[{"text":"Yeah.","start":2381.85,"end":2382.35,"sentiment":"neutral","sentiment_score":0.2065984606742859}],"sentiment":"neutral","sentiment_score":0.2065984606742859,"channel":1,"num_words":1,"start":2381.85,"end":2382.35},{"sentences":[{"text":"if it came through.","start":2381.88,"end":2382.8398,"sentiment":"neutral","sentiment_score":0.19863859936594963},{"text":"I'll just try to resend that.","start":2382.8398,"end":2384.54,"sentiment":"neutral","sentiment_score":0.07597803759078185}],"sentiment":"neutral","sentiment_score":0.12504226230084897,"channel":0,"num_words":10,"start":2381.88,"end":2384.54},{"sentences":[{"text":"Did it go into your app store, or did it 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you can't think of anything and you there is anything else, so just let me know.","start":3412.605,"end":3416.685,"sentiment":"neutral","sentiment_score":0.32160647301112905},{"text":"But, otherwise, I look forward to speaking with you both on Thursday, June 4.","start":3416.685,"end":3421.105,"sentiment":"positive","sentiment_score":0.4620749514017786}],"sentiment":"positive","sentiment_score":0.39545136922970414,"channel":0,"num_words":32,"start":3412.125,"end":3421.105},{"sentences":[{"text":"Thank you.","start":3421.3298,"end":3421.97,"sentiment":"positive","sentiment_score":0.6222606599330902},{"text":"Alright.","start":3421.97,"end":3422.21,"sentiment":"positive","sentiment_score":0.39948105812072754},{"text":"Thank 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from Oakview Financial emphasizes the importance of completing legal signatures and risk allocation for long-term living situations, while also discussing retirement goals, risk tolerance, and retirement goals for retirement scenarios. Customers are instructed to sign and fill out various service agreement and tax file forms, including a form for providing a tax file number and a form for signing a service agreement. Representatives also offer guidance on accessing and receiving insurance summaries, updating information, and signing documents, emphasizing the importance of understanding market trends and making informed choices. Customers are instructed to call back if they have any questions and are offered a time to go through the forms and receive a proposal, and are offered a time to go through the forms and receive a proposal."},"intents":{"segments":[{"text":"Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older. Is that correct? Yes.","start_word":382,"end_word":415,"intents":[{"intent":"Assist with personal information","confidence_score":0.00370613}]},{"text":"And with you, Andrew, when it comes to your employment, has any of that changed in the last twelve Yeah.","start_word":418,"end_word":437,"intents":[{"intent":"Confirm employment details","confidence_score":0.0068736216}]},{"text":"And do you get paid bonuses or overtime or anything like that or just, Yeah.","start_word":549,"end_word":563,"intents":[{"intent":"Inquire about benefits and benefits","confidence_score":0.00009209684}]},{"text":"If it is that they do give you more benefits, they do tend to tell you. So Yeah.","start_word":682,"end_word":699,"intents":[{"intent":"Confirm benefits","confidence_score":0.2800317}]},{"text":"And you're not making any additional contributions yourself otherwise? Just that from your employer?","start_word":712,"end_word":725,"intents":[{"intent":"Make contributions","confidence_score":0.18807949}]},{"text":"I also get salary sacrifice too of 12 and a half grand. So that's paid, like, tax free money. Yep.","start_word":804,"end_word":823,"intents":[{"intent":"Obtain salary sacrifice","confidence_score":0.0028048437}]},{"text":"And asset wise, I have both I have different values, so I'll confirm which one is right. For you, Hailey, I have a car valued at 35,000 with 27 owing. That is that the right? Yeah.","start_word":844,"end_word":879,"intents":[{"intent":"Confirm asset","confidence_score":0.023185693}]},{"text":"For you, Hailey, I have a car valued at 35,000 with 27 owing. That is that the right?","start_word":861,"end_word":878,"intents":[{"intent":"Confirm car value","confidence_score":0.34077656}]},{"text":"My my car got ridden off not Okay. that long ago. So I got a I got a different car now. It's just like, it's the same brand of car. I'm pretty sure it'd Mhmm. be around the same. Yeah.","start_word":883,"end_word":922,"intents":[{"intent":"Identify car model","confidence_score":0.0040658936}]},{"text":"Very lucky.","start_word":996,"end_word":997,"intents":[{"intent":"Express gratitude","confidence_score":0.012540829}]},{"text":"And how much is that loan for? Do you know?","start_word":1032,"end_word":1041,"intents":[{"intent":"Request loan information","confidence_score":0.020910028},{"intent":"Request loan amount","confidence_score":0.005550943}]},{"text":"Well, that's frustrating. Yeah.","start_word":1065,"end_word":1068,"intents":[{"intent":"Express frustration","confidence_score":0.005997457}]},{"text":"got my daughter's car, my car, the neighbor's car, and then he totaled his own car. Oh, really?","start_word":1104,"end_word":1121,"intents":[{"intent":"Complain about car accident","confidence_score":0.000094319184}]},{"text":"How much do you think if you were to sell it today?","start_word":1297,"end_word":1308,"intents":[{"intent":"Identify financial situation","confidence_score":0.000014705412},{"intent":"Request car valuation","confidence_score":0.0003405787},{"intent":"Inquire about car sales","confidence_score":0.011958503}]},{"text":"And any other liabilities, like personal loans, credit cards, ZipPay? Oh, we got yeah. We've got all that. Yeah. How if you were to just combine, how much do you think in the total? In debt?","start_word":1465,"end_word":1500,"intents":[{"intent":"Inquire about expenses and liabilities","confidence_score":0.0008193381}]},{"text":"Is that something you're looking at? I'll probably just get ambulance cover. It's just too expensive. Like because I gotta do Yeah. the whole family. So it works out to be bloody 300 a month. I just can't afford it. No.","start_word":1661,"end_word":1701,"intents":[{"intent":"Determine budget","confidence_score":0.04098355}]},{"text":"I'll probably just get ambulance cover. It's just too expensive.","start_word":1666,"end_word":1675,"intents":[{"intent":"Request ambulance cover","confidence_score":0.072635524}]},{"text":"Estate planning wise, do either of you have a will in place? No. No.","start_word":1749,"end_word":1762,"intents":[{"intent":"Confirm estate planning","confidence_score":0.015024543}]},{"text":"When it comes to your super and insurances, I can also see here that we currently have outstanding for both of you, actually, your beneficiary forms. Have you guys received those in the post at all?","start_word":1763,"end_word":1798,"intents":[{"intent":"Receive beneficiary forms","confidence_score":0.00018488077}]},{"text":"And just send them out because, yeah, we never got them last time. Alright.","start_word":1980,"end_word":1993,"intents":[{"intent":"Send forms","confidence_score":0.010425951}]},{"text":"Do you have access to a printer, or would you prefer post? I can I can print them at work Okay.","start_word":1994,"end_word":2014,"intents":[{"intent":"Obtain printer","confidence_score":0.008418331}]},{"text":"if Because if what you send I can them to my email? Yeah.","start_word":2016,"end_word":2028,"intents":[{"intent":"Send nomination documents","confidence_score":0.016970454}]},{"text":"So I'll complete that for you both, and I will get the team through email that to you, Hailey. Yep.","start_word":2650,"end_word":2669,"intents":[{"intent":"Complete binding and send information to haley","confidence_score":0.000030621275}]},{"text":"So I'll complete that for you both, and I will get the team through email that to you, Hailey. Yep. Then, obviously, when you have a moment, just print it, scan it, and send it back, and we'll get that all sorted for Okay.","start_word":2650,"end_word":2693,"intents":[{"intent":"Sort information for haley","confidence_score":0.009514895}]},{"text":"long as long as you completed, like you sign it correctly, so don't do, like, last year's date because sometimes people are still in the habit of doing 2025, and then it comes back and insurance Yeah.","start_word":2713,"end_word":2749,"intents":[{"intent":"Discuss","confidence_score":0.18997364},{"intent":"Discuss","confidence_score":0.29536644},{"intent":"Discuss","confidence_score":0.1958554},{"intent":"Discuss","confidence_score":0.1731174}]},{"text":"will not validated.","start_word":2749,"end_word":2751,"intents":[{"intent":"Validate","confidence_score":0.098080754},{"intent":"Validate","confidence_score":0.21437393}]},{"text":"And you as long as you don't witness each other. So as long as you completed correctly, Yeah. in terms of the witness, you only have to do it once. So the good K.","start_word":2752,"end_word":2785,"intents":[{"intent":"Represent","confidence_score":0.010115557}]},{"text":"is that then it stays in place until either of you decide that you would like to change it. So then you don't have to worry about it again. Alright. Yeah.","start_word":2788,"end_word":2818,"intents":[{"intent":"Keep in place","confidence_score":0.0006528291}]},{"text":"Otherwise, when it comes to goals, the stuff that you guys are working towards that you are wanting to achieve, I have here for both of you that last time when we spoke to you during annual view, your main focus is just to kinda save and buy a property. Is that still kind of the medium term focus for you?","start_word":2825,"end_word":2885,"intents":[{"intent":"Discuss goals","confidence_score":0.15837498}]},{"text":"But to go elsewhere, you're looking at over a thousand bucks a week. And Yeah.","start_word":2959,"end_word":2973,"intents":[{"intent":"Spend money","confidence_score":0.019697396}]},{"text":"And So do you guys have, like, a budget or anything that you follow? Or is it is that like, do you guys need any assistance when it comes to cash flow and budget management, or is it mainly just expenses I guess are so I high?","start_word":3142,"end_word":3188,"intents":[{"intent":"Manage budget and expenses","confidence_score":0.004434554}]},{"text":"Do you think they would have, like, a school bus or something?","start_word":3553,"end_word":3564,"intents":[{"intent":"Plan transportation transportation","confidence_score":0.0007636292}]},{"text":"I I don't like it. Like, it it knocks it knocks me around, but Yeah.","start_word":3920,"end_word":3934,"intents":[{"intent":"Refuse new job","confidence_score":0.00017422611}]},{"text":"all Especially night shift overtime. as well. Yeah.","start_word":3966,"end_word":3973,"intents":[{"intent":"Express preference for night shifts","confidence_score":0.0050307796}]},{"text":"Do you think it would be helpful to for me to send you guys, like, a cash flow on budget at all, or do you feel Yeah.","start_word":3991,"end_word":4017,"intents":[{"intent":"Express need for cash flow","confidence_score":0.00881603},{"intent":"Request money","confidence_score":0.0001991012}]},{"text":"I shut down the majority of my credit cards. The only credit card I have is Latitude, and that's when, like, we have furniture Mhmm. that decides it's not gonna work anymore and we need to replace it. Yep.","start_word":4071,"end_word":4109,"intents":[{"intent":"Reject credit card usage","confidence_score":0.000055734563},{"intent":"Suggest replacing credit card","confidence_score":0.0067755315},{"intent":"Explain status of furniture","confidence_score":0.000056676457}]},{"text":"And then every time we move, it's $6,000. Oh, yeah.","start_word":4437,"end_word":4446,"intents":[{"intent":"Offer budget for car repairs","confidence_score":0.0000123466525}]},{"text":"Well, hopefully, I get a call from you guys in the next couple of days and say, guess what? We need a financial adviser. Yeah.","start_word":4955,"end_word":4979,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.06839719}]},{"text":"Is that still the plan? Or if you could, would you want Look.","start_word":5149,"end_word":5161,"intents":[{"intent":"Set goals and goals","confidence_score":0.000022149481}]},{"text":"And when it comes through how much risk you guys are comfortable taking for your superannuation, Would you say that you are comfortable taking very high risk, high moderate, or a small amount of risk for your superannuation?","start_word":5593,"end_word":5630,"intents":[{"intent":"Manage superannuation portfolio","confidence_score":0.0017715188}]},{"text":"So if you ever saw fluctuations in any investments, would you say that you would feel optimistic about potential future opportunity?","start_word":6000,"end_word":6020,"intents":[{"intent":"Inquire about future investments","confidence_score":0.00034721484}]},{"text":"And his parents have done it Yep.","start_word":6255,"end_word":6261,"intents":[{"intent":"Evaluate parenting choices","confidence_score":0.0055601774}]},{"text":"So there's no point talking to a financial adviser or or or or a mortgage broker or anything like that because we know Mhmm. the answer is gonna be no because we've Okay. got no savings Yep. and everything's tight. But Yep. give it another five years or three years or whatever, Very that nice.","start_word":6631,"end_word":6685,"intents":[{"intent":"Evaluate financial options","confidence_score":0.07451923}]},{"text":"Well, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money.","start_word":6896,"end_word":6924,"intents":[{"intent":"Access money tomorrow","confidence_score":0.7499708}]},{"text":"usually, the closer you get to retirement, you then want to start at gradually reducing risk, Yeah. typically.","start_word":6928,"end_word":6945,"intents":[{"intent":"Reduce risk","confidence_score":0.5445086}]},{"text":"So do you guys remember what it means to be a growth investor? No. Not really. No. No? I'm That's why I don't. sorry. That's Growth okay. usually means a good thing, though. Yeah.","start_word":6981,"end_word":7014,"intents":[{"intent":"Understand growth vs. growth","confidence_score":0.00013984216}]},{"text":"when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment?","start_word":7072,"end_word":7093,"intents":[{"intent":"Access emails","confidence_score":0.039616838}]},{"text":"when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment? Because I sent you both an email, and Yeah. it does make it a bit easier talking about this if you can access it. Yeah.","start_word":7072,"end_word":7118,"intents":[{"intent":"Obtain email","confidence_score":0.00096417323}]},{"text":"And we recently have changed the software, so it could very well have gone to spam if you didn't recognize it.","start_word":7234,"end_word":7254,"intents":[{"intent":"Review software","confidence_score":0.0072900774}]},{"text":"Reset worked, not the first one. Yeah.","start_word":7479,"end_word":7485,"intents":[{"intent":"Reset software","confidence_score":0.037195887}]},{"text":"And Vanguard does publish these every year, which is good. And it kind of shows you, like, a bigger picture, and it goes back from 1995 through to 2025. And you can see all the kind of ups and downs of the market depending on the big events that's happened in the world. Yep.","start_word":7623,"end_word":7676,"intents":[{"intent":"Describe market dynamics","confidence_score":0.0017404292}]},{"text":"Now this one here also breaks down the different asset classes.","start_word":7706,"end_word":7716,"intents":[{"intent":"Describe asset classes","confidence_score":0.0016713347}]},{"text":"So when we go back to talking about your growth portfolio, we typically see 80% invested in what we call your growth assets. Now these are typically your top four. So you have your US shares, Australian shares, international shares, and property, about 80%. So you can see that these are the ones that grow the most, but they also fluctuate the most. And then you do have about 20% in the bottom three.","start_word":7717,"end_word":7790,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.0075784973}]},{"text":"Now when we are talking about a time frame as well, so making sure you have enough time in the market for those fluctuations.","start_word":7817,"end_word":7840,"intents":[{"intent":"Mention time frame in investing","confidence_score":0.0000728466}]},{"text":"So from a time frame point of view, if you definitely have that behind you, both of you, if you are happy with the level of, like, fluctuation and risk of a growth investor. Yep. Yep.","start_word":7870,"end_word":7905,"intents":[{"intent":"Discuss inflation and risk","confidence_score":0.0045720325}]},{"text":"So, Andrew, you have insurances with Clearview. For life and TPD, you have 626,000 of 273. Are you still happy with that level of cover for life and TPD if something were to happen to you? Yeah.","start_word":8041,"end_word":8077,"intents":[{"intent":"Update coverage coverage level","confidence_score":0.00009537262}]},{"text":"Any questions so far? That's pretty straightforward. Yeah.","start_word":8340,"end_word":8347,"intents":[{"intent":"Provide information","confidence_score":0.017220823}]},{"text":"Despite all of that, though, both of your portfolio has still held up pretty good. So for you, Andrew, in the last twelve months, after fees, the portfolio has still gone up by 7.47% after Yes. fees.","start_word":8513,"end_word":8549,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.013496751},{"intent":"Discuss portfolio changes","confidence_score":0.02398886}]},{"text":"So the one I want to look at a bit more is that that one that is down, which is your Benelon Australian equity. Yeah.","start_word":8654,"end_word":8678,"intents":[{"intent":"Compare investments","confidence_score":0.0039719343}]},{"text":"because of that, I might as well do a bit more in-depth for both of you and include it in one strategy if you are happy with that, Yep. and we Yep. can do it all together. Yep.","start_word":9041,"end_word":9078,"intents":[{"intent":"Integrate strategy","confidence_score":0.001854576}]},{"text":"You probably have seen these a few times, but, basically, it gives you all the important information in regards to us here.","start_word":9229,"end_word":9250,"intents":[{"intent":"Provide information","confidence_score":0.008024603}]},{"text":"is the only one that requires a signature, and that is basically another compliance form just to say we are keeping your tax number secure and safe on file. Yeah.","start_word":9620,"end_word":9649,"intents":[{"intent":"Verify signature requirement","confidence_score":0.011920545}]},{"text":"I have you on the phone, I can book in a time to go through that. And are you happy to do that together again on Yeah. the phone?","start_word":9880,"end_word":9908,"intents":[{"intent":"Arrange call with andrea","confidence_score":0.00016049485}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Andrew. Yeah. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16538213193416595},{"text":"Good. Thanks.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4371133446693421},{"text":"Not good.","start_word":18,"end_word":19,"sentiment":"neutral","sentiment_score":0.0859447717666626},{"text":"I had you and Hailey booked in for your annual review. Is now still a good time for both of you?","start_word":20,"end_word":40,"sentiment":"positive","sentiment_score":0.35887858271598816},{"text":"Yeah. Yep. Yep. And is Hailey there with you as well? Yeah. She's here with me. Yep. Yep. Okay.","start_word":41,"end_word":59,"sentiment":"neutral","sentiment_score":0.07772557437419891},{"text":"Perfect.","start_word":60,"end_word":60,"sentiment":"positive","sentiment_score":0.4102104008197784},{"text":"Now just before I do go any further, I just need to let you both know that the call is being recorded for quality and coaching purposes, if that's okay? Yeah. That's fine. Yep. Yes. Perfect. And just for security purposes, I will just need both of you to confirm security. Now, Hailey, for yourself, I do have a password on file. Do you know who that might be? Andy. Yep. Perfect. And, Andrew, for you, I don't have a password. So if you could confirm your full name, date of birth, and address, please. Andrew Jared Williams. Fifteenth of the eighth eighty three. And would you want address? Yes, please. 114 Robertson Road, Kalani Bar. Perfect. Would you like to put a password in, or you're happy to just do the three point security when we call you? Yeah. Just yeah. Just make it highly.","start_word":61,"end_word":206,"sentiment":"neutral","sentiment_score":0.0981927439570427},{"text":"Yeah. Makes it nice and easy.","start_word":207,"end_word":212,"sentiment":"positive","sentiment_score":0.5188029408454895},{"text":"Yeah.","start_word":213,"end_word":213,"sentiment":"neutral","sentiment_score":0.3178570866584778},{"text":"Perfect.","start_word":214,"end_word":214,"sentiment":"positive","sentiment_score":0.3651122152805328},{"text":"Now before I do jump into the under review as well, I do like to start by asking if there is anything specific that either of you would like to discuss further today or have any specific questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months. No. Nothing's busy. You'll see what happens when we hear what you got to say, I guess, and go for that. Yeah. Perfect. And that's the same for you, Hailey? Yeah. Yeah. Yep. Alright. Perfect. Well, what I might do first is to just go through a bit of an updated fact find with you both just to see if there is anything major that has changed in your life or if you need to make any changes to your advice. Yep. So just bear with me as I go through this, and I'll try to do it as quickly as I can for for both Yep. of you. Now when it comes to personal information, I have you both down here as married, obviously, with three children, two who are financial dependent, and one who's a bit older. Is that correct? Yes. Yep.","start_word":215,"end_word":416,"sentiment":"neutral","sentiment_score":0.0429983532959872},{"text":"Perfect.","start_word":417,"end_word":417,"sentiment":"positive","sentiment_score":0.3708494305610657},{"text":"And with you, Andrew, when it comes to your employment, has any of that changed in the last twelve Yeah. months or still Yeah. I've yeah? I've got I've got a new employer now. Okay. Are you still working as a marine Yeah. mechanic? Just a Yep. new employer? Okay. And Yep. what's your new employer? It's got OceanTech Marine. Ocean tech marine. And when did you start there? December 1, I think it was. Yeah. And are you liking it so far?","start_word":418,"end_word":500,"sentiment":"neutral","sentiment_score":0.024888338521122932},{"text":"Yeah. It's great. Perfect.","start_word":501,"end_word":504,"sentiment":"positive","sentiment_score":0.5503349304199219},{"text":"Still full time, though? Yep. Yep. Perfect. Income, did that change? Yep. Yep. So what's Yep. it at now on a It's yearly about basis? 100. About a 100 hundred? to 9. Yeah. It's Yep. it's $2 before tax a week. Okay. Perfect. Yep. And do you get paid bonuses or overtime or anything like that or just, Yeah. like, your I base get pay? overtime. Yeah. I get You overtime. get overtime. And that would then be in addition to the 100? Yeah. Yeah. Yeah. Yep. Okay. Perfect. And do you know if your new employer also paid such standard 12% contribution for you, or do you have a special EBA with I know he's that? been doing it because I've been sent on payslip, but I don't know what percentage. I'll Okay. just have a But look. there's no you don't have, like, an EBA or anything like that in place that gives you additional benefits? No. No. That I'm aware No. of. No. Okay. No. Okay. Perfect. And, typically, you would as well. If it is that they do give you more benefits, they do tend to tell you. So Yeah. if they Yeah. haven't said anything, it's the minimum is 12%. Yeah. Okay. And you're not making any additional contributions yourself otherwise? Just that from your employer? No. No. No. Perfect. And for you, Hailey, has any of your occupation changed? No. I'm still the same. Still same.","start_word":505,"end_word":746,"sentiment":"neutral","sentiment_score":0.024770170280879193},{"text":"Perfect.","start_word":747,"end_word":747,"sentiment":"positive","sentiment_score":0.4017080068588257},{"text":"I do have income at about 60,000 for you. That's roughly around that if I don't do overtime. Okay. And for you, yeah, it would then be on top of that if you do earn overtime. And your employer also that's standard 12% contribution? Yeah. Yep.","start_word":748,"end_word":793,"sentiment":"neutral","sentiment_score":0.15115654468536377},{"text":"Perfect.","start_word":794,"end_word":794,"sentiment":"positive","sentiment_score":0.44843989610672},{"text":"And you don't make any I get additional mhmm. I also get salary sacrifice too of 12 and a half grand. So that's paid, like, tax free money. Yep. And where does that go? Like, is that for I've got an easy way card. yes. Okay.","start_word":795,"end_word":840,"sentiment":"neutral","sentiment_score":0.16550885140895844},{"text":"Perfect. Great.","start_word":841,"end_word":842,"sentiment":"positive","sentiment_score":0.4998045563697815},{"text":"Alright. And asset wise, I have both I have different values, so I'll confirm which one is right. For you, Hailey, I have a car valued at 35,000 with 27 owing. That is that the right? Yeah. Somewhat. Yeah. Yeah. My my car got ridden off not Okay. that long ago. So I got a I got a different car now. It's just like, it's the same brand of car. I'm pretty sure it'd Mhmm. be around the same. Yeah. Probably okay. Abide about the same about the '35? Yeah. Yeah. Just a newer version Yeah. of it. Just a newer version. Someone rode my car off. Oh, and you're okay? Yeah. I wasn't in it. Just a drunk Okay. driver. I just headed out the front of our house. Oh. Oh, well, that's annoying. We're glad you weren't in it, though. Oh, five more minutes than I would have been. Oh, jeez. Very lucky. Did you have anything owing on that one? Or It all got paid out, and then oh, I go had to pay take that. out another loan to get the new Okay. car. Okay. And how much is that loan for? Do you know? About the same? Yeah. About It's the roughly 30 about 5? the same. Yeah. Yep. Okay.","start_word":843,"end_word":1057,"sentiment":"neutral","sentiment_score":-0.03766375884067181},{"text":"Perfect.","start_word":1058,"end_word":1058,"sentiment":"positive","sentiment_score":0.4455981850624085},{"text":"Just literally just started again. Yeah.","start_word":1059,"end_word":1064,"sentiment":"neutral","sentiment_score":0.08444692939519882},{"text":"Well, that's frustrating.","start_word":1065,"end_word":1067,"sentiment":"negative","sentiment_score":-0.33710113167762756},{"text":"Yeah. But they they say you weren't in it anyway, and, Yep. yeah, Oh, he still he annoying. wrote off three he wrote off three cars, well, four including his Mhmm. own. So Jesus. he Yeah. got my daughter's car, my car, the neighbor's car, and then he totaled his own car. Oh, really? Do Yep. you know what happened to him? Was he okay?","start_word":1068,"end_word":1132,"sentiment":"neutral","sentiment_score":-0.17642207443714142},{"text":"Sounds like it's pretty serious if Besides you do three being cars.","start_word":1133,"end_word":1144,"sentiment":"negative","sentiment_score":-0.34211596846580505},{"text":"besides being drunk and then he got a got charged, she's alright, I suppose. Yeah. He Then did your daughter's car get sorted as well? Did you have to get that one sorted as well? Yeah. So she she only had third party. So because he was drunk, that was a bit of a mission. And because she was under 21, she couldn't get a higher car, so that was a bit of a mission as well because she's a casual worker. But in the end, the brother came to the party and gave us money to buy her a new car, so it was pretty good. Oh, that's nice. Yeah. And now she's got full insurance because she was over the shit show. Yeah. I can imagine. And for you, Andrew, I have that you have a motor vehicle ride at about 30,000. Yeah. It's probably not quite that anymore. Yeah. How much do you think if you were to sell it today? Oh, probably 20, I would say. 15, About 20, 20? something like that. Yeah. Alright. It's nearly paid And I off. do Yeah. and it's fully paid off? Nearly I still only got, like, three or four payments left. So how much do you think if you had to, like, pay Oh, it off it'd today? be under a thousand bucks. Oh, okay. Sorry. Yeah. I'll just put thousand, like, 500 ish Yeah. less. Yes. It's early June that it's finished. Yeah. Early to mid June. Yeah. So, yeah, it's So, only 100 basically. and $30 a week. So Yeah. About 500. Oh, okay. Okay.","start_word":1145,"end_word":1413,"sentiment":"neutral","sentiment_score":-0.05399107703156631},{"text":"Perfect.","start_word":1414,"end_word":1414,"sentiment":"positive","sentiment_score":0.4032464921474457},{"text":"Now do you guys have any other assets, any other motor vehicles or boats or motorbikes or Yeah. savings or No. anything else? Not that No. not that we own. No. He's and he's No. got a work cover that he doesn't pay for it. It's with work. Okay. Yep. And any other liabilities, like personal loans, credit cards, ZipPay? Oh, we got yeah. We've got all that. Yeah. How if you were to just combine, how much do you think in the total? In debt? Yeah. I no. 7. I'm in a million. 4. 4. Yeah. Probably 10? About 10 so about 6 for you, Hailey, and 4 for you, Andrew. Is that what Yep. I heard Yeah. right? Roughly. Yep. Yep. Yeah. Yep. Perfect. Health and lifestyle wise, I have you both down here as a nonsmoker. Yep. Is that correct? Perfect. And have either of you had any significant health issues or any injuries or anything in the last twelve months? Anything No. that's changed with your health? No. Nope. Beautiful. No. We're all pretty. Alright.","start_word":1415,"end_word":1593,"sentiment":"neutral","sentiment_score":0.00513835996389389},{"text":"Pretty good. That's good.","start_word":1594,"end_word":1597,"sentiment":"positive","sentiment_score":0.4042231440544128},{"text":"Private health insurance. Do you guys have private health insurance? I I have ambulance cover. Okay. Perfect. And is that hospital and stuff as well? It's only a very brief it's only minor one, I think. Pretty sure it just covers ambulance and maybe some hospital. I'm not sure. Okay. Okay. No. That's okay. Yeah. I've got nothing Nope. That's alright. yet. Is that something you're looking at?","start_word":1598,"end_word":1665,"sentiment":"neutral","sentiment_score":-0.029240543597980458},{"text":"I'll probably just get ambulance cover. It's just too expensive.","start_word":1666,"end_word":1675,"sentiment":"negative","sentiment_score":-0.5265328884124756},{"text":"Like because I gotta do Yeah. the whole family.","start_word":1676,"end_word":1684,"sentiment":"neutral","sentiment_score":-0.28071415424346924},{"text":"So it works out to be bloody 300 a month. I just can't afford it.","start_word":1685,"end_word":1699,"sentiment":"negative","sentiment_score":-0.4374872148036957},{"text":"No. It and then every every year, it goes up a lot too, doesn't it? Yeah. It's just something's gotta give. You know what I mean? Like, everything's Yeah. going up except our page. So Yeah. Well, not to the same rate anyway yeah. as everything else, especially nowadays. Estate planning wise, do either of you have a will in place? No. No. When it comes to your super and insurances, I can also see here that we currently have outstanding for both of you, actually, your beneficiary forms. Have you guys received those in the post at all?","start_word":1700,"end_word":1798,"sentiment":"neutral","sentiment_score":-0.09201500564813614},{"text":"We just keep forgetting to do that.","start_word":1799,"end_word":1805,"sentiment":"negative","sentiment_score":-0.4232361912727356},{"text":"I think we've got the bar.","start_word":1806,"end_word":1811,"sentiment":"neutral","sentiment_score":-0.23279520869255063},{"text":"I don't think we ever got got him in on the part in the box. We just I wish there was a thing where you could just say, I want him to have it all and she wants it's just a pain in the butt.","start_word":1812,"end_word":1856,"sentiment":"negative","sentiment_score":-0.49966251850128174},{"text":"Yeah. Can we verbally Yeah. do it? Is it Unfortunately, not because it's a legal nomination. Sorry Yeah. if it And was it's gotta that be done simple. yearly, hasn't it? No. Or three years? One off. You can I you said, can actually why yeah. So there there are different types depending on what not? you want. So you can do a lapsing or a non lapsing. So non lapsing means you do it once. It stays in place until you decide to change Yeah. it. That's what I wanna do. I just wanna do it. Yeah. Say it once and be done. Is that the same for you, Andrew? Because if so, I can Yeah. get them prefilled. Yeah. Yeah. Yeah. And just send them out because, yeah, we never got them last time. Alright. Do you have access to a printer, or would you prefer post? I can I can print them at work Okay. if Because if what you send I can them to my email? Yeah. Because what I can do then is I'll send it to your email for both of you if you're happy with that, Hailey. Yep. I'll get them prefilled. And then, yeah, because you are making a legal nomination, they do Do have to be printed do we have website. to send them back, or can I email it back? You can you can scan that and email it. That makes Okay. it makes it faster. Yeah. And that's As the agent. long as you print it, and it does have to be witnessed as well by two Yeah. people, and it can't Wednesday be who next you nominate. door. And just make sure they do it kind of at the same time with the same pen because the insurance Yeah. and supercom can get be funny if it's, like, one is a black pen and one is a blue pen.","start_word":1857,"end_word":2177,"sentiment":"neutral","sentiment_score":0.04482586007576865},{"text":"So get a bit of pathetic with those.","start_word":2178,"end_word":2185,"sentiment":"negative","sentiment_score":-0.5935147404670715},{"text":"So our pre fill is nonlapsing. And did you say you guys wanted to nominate each other? Yeah. Yeah. Yep.","start_word":2186,"end_word":2205,"sentiment":"neutral","sentiment_score":0.011628339998424051},{"text":"Now the good thing with nominating spouses is that it is completely tax free. So if something were to happen to either of you, the other one will receive the benefits completely tax free.","start_word":2206,"end_word":2239,"sentiment":"positive","sentiment_score":0.41858258843421936},{"text":"It was a bit a little bit different when it comes to children at different ages, but if it goes to both of you, then it will be tax free. Yeah. Now the other nomination is if you wanted a binding or nonbinding. So, basically, binding means that the trustee, so Superfund and the insurance, are bound to follow your wishes. So that gives you the most amount of certainty. The nonbinding is basically saying this is what I want to have happened, but then it's ultimately up to their discretion if they feel like there's someone else that has a higher claim to it. Which one would you guys prefer? Doesn't really matter. I'm dead. It's more sort of giving Andrew peace of mind if something would happen. I know I know if I die tomorrow, I know you're gonna look after the kids, and that's the main priority. So we don't have any house. We don't, like, we rent. Yeah. We don't have any big massive assets. So Yep. Yeah. the main concern would be what looking after our kids. He's gonna do that. He's not a a heartless person, so I really Yeah. don't care what No. he does with it, to be honest. What So about it you? yeah. It it's more so because binding means that it will definitely go to him. So the only it's, like, if there are any previous partners, if there's families that kinda come and make a claim and say that they have a big mistake for it, like, those kind of situations. So by completing it as a binding, it means that it will go to Andrew and vice versa. And then he Seven? could do whatever he Yeah. wants with Okay. it, but it just Yeah. gives Because you the certainty my family of who is a bit he's going money hungry, through. so let's do that then. Let's do the binding? Alright. Perfect. Yeah. Is Just that same so for you, Andrew? just Yeah. Yeah. Yeah.","start_word":2240,"end_word":2578,"sentiment":"neutral","sentiment_score":0.017972675209815523},{"text":"Just because And that's my family are pricks. and we don't want any and that's, like, the last thing you want. And, unfortunately, money I does don't think bring out they the think worst in they people.","start_word":2579,"end_word":2615,"sentiment":"negative","sentiment_score":-0.42119649052619934},{"text":"could. Like, I don't Mhmm. think they think they could because we're married anyway, but you just never Yeah. know with them. No. And you're better have the the the the peace of mind. So I'll complete that for you both, and I will get the team through email that to you, Hailey. Yep. Then, obviously, when you have a moment, just print it, scan it, and send it back, and we'll get that all sorted for Okay. you. And is that is that a one off thing as well? Correct. Yes. Like So as yeah. long as long as you completed, like you sign it correctly, so don't do, like, last year's date because sometimes people are still in the habit of doing 2025, and then it comes back and insurance Yeah. will not validated. And you as long as you don't witness each other. So as long as you completed correctly, Yeah. in terms of the witness, you only have to do it once.","start_word":2616,"end_word":2781,"sentiment":"neutral","sentiment_score":0.07089920332991934},{"text":"So the good K. thing Cool. is that then it stays in place until either of you decide that you would like to change it.","start_word":2782,"end_word":2806,"sentiment":"positive","sentiment_score":0.40751582384109497},{"text":"So then you don't have to worry about it again. Alright. Yeah. No. We'll Don't. get that sorted.","start_word":2807,"end_word":2824,"sentiment":"neutral","sentiment_score":0.26886627078056335},{"text":"Otherwise, when it comes to goals, the stuff that you guys are working towards that you are wanting to achieve, I have here for both of you that last time when we spoke to you during annual view, your main focus is just to kinda save and buy a property.","start_word":2825,"end_word":2874,"sentiment":"positive","sentiment_score":0.39551013708114624},{"text":"Is that still kind of the medium term focus for you? Well, it was, but everything's Mhmm.","start_word":2875,"end_word":2891,"sentiment":"neutral","sentiment_score":0.02801586128771305},{"text":"just got so expensive. We don't even have savings anymore.","start_word":2892,"end_word":2901,"sentiment":"negative","sentiment_score":-0.5600987076759338},{"text":"Yep. Rents are so high, and they're probably we're we're sitting at the moment because in July, that'll be in the lease, so we have to see if they're gonna put the rent up or not. Like, we're Yep. sitting at 800 a week for a rental, Yeah. and we don't even like where we are. Yeah. But to go elsewhere, you're looking at over a thousand bucks a week. And Yeah.","start_word":2902,"end_word":2973,"sentiment":"neutral","sentiment_score":-0.17752303183078766},{"text":"I think that's ludicrous spending that on someone else's mortgage.","start_word":2974,"end_word":2983,"sentiment":"negative","sentiment_score":-0.7177606821060181},{"text":"I'd rather spend that on my own mortgage, but yet again, we don't get looked at because Yeah. we don't have savings. So it's a bit of Yeah. a catch 22, but I mean, as the kids grow up and they all leave us alone, we'll probably have more income to fiddle Yeah. around with as we get get there. But, Yeah. like, I've got a 22 year old almost and a 16 year old and nearly a seven year old. So as they grow up and they disperse, our income will come back to us a little bit more. So Yeah. Yeah. Yeah.","start_word":2984,"end_word":3087,"sentiment":"neutral","sentiment_score":-0.12573850591881916},{"text":"I there's not I much definitely we can do get about that.","start_word":3088,"end_word":3099,"sentiment":"negative","sentiment_score":-0.36303630471229553},{"text":"it at the moment. We we really because we we live wake to wake at the moment, but we'd love to change that. But it's certainly Yep.","start_word":3100,"end_word":3126,"sentiment":"neutral","sentiment_score":-0.21183201670646667},{"text":"getting worse with in this with this government anyway. It's Well only getting worse.","start_word":3127,"end_word":3140,"sentiment":"negative","sentiment_score":-0.5879353284835815},{"text":"yeah. And So do you guys have, like, a budget or anything that you follow? Or is it is that like, do you guys need any assistance when it comes to cash flow and budget management, or is it mainly just expenses I guess are so I high? guess it's hard because every every I get paid fortnightly and it gets Yep. paid weekly. So Yep. any Andy will out of any pay, we'll pay, like, the rent because that's weekly. Yep. And he'll pay his car loan and and his health insurance and stuff. And then I'll do, like, out of my tax free money, I'll do the groceries. And then out of my pay, I'll do, like, my car repayment and all the other bills, like electricity, gas, all the kids' schooling and stuff like that. And then whatever we've got left, we've got left. But Yep. so, like, I've got we've got one in year 10, and he's gone on that many damn excursions. And then the school's wanting money every five seconds, so it just changes Yeah. week to week on on what needs to be paid. You know? Yep. So Yep. it it And gets I get it gets that. a bit And hard. if and if it's if it's not that you have, like, 20 But five I give different you notice. subscription You only get, like, you get, like, a day's notice or two days notice, and it's oh, really? $50 for this and a $100 Mhmm. for this and, you know, $50 for photos and representing the school. There's another $20 there, and and it just it's constant every week. I I So you think they would give you a bit more of a heads up, though, because no. it's They like don't.","start_word":3141,"end_word":3441,"sentiment":"neutral","sentiment_score":-0.023129234566938047},{"text":"most people don't have, like especially nowadays, like, so many people are struggling.","start_word":3442,"end_word":3454,"sentiment":"negative","sentiment_score":-0.3602288067340851},{"text":"Yeah.","start_word":3455,"end_word":3455,"sentiment":"neutral","sentiment_score":-0.19740864634513855},{"text":"They're struggling to cover bills and expenses and putting food, And especially the fact with is fuel if prices.","start_word":3456,"end_word":3474,"sentiment":"negative","sentiment_score":-0.3368951380252838},{"text":"if they're representing the school and it's on the coast, then it's up to us to to take them where they need to be. So say my my son represents a school for futsal, I've gotta get him to where they're playing futsal and get him home. Same with when Oh, he really? represents the zone cross country, zone swimming, zone athletics, all that. If it's on the coast, I've gotta get him there and get him home. Do you think they would have, like, a school bus or something? Because I am peep They people will work. if What it leaves are you meant if to it do? leaves the Central Coast, they will. They'll they'll hire a bus or whatever.","start_word":3475,"end_word":3596,"sentiment":"neutral","sentiment_score":-0.018665149807929993},{"text":"But it makes it very hard when you try to work.","start_word":3597,"end_word":3607,"sentiment":"negative","sentiment_score":-0.40544337034225464},{"text":"Yeah. So luckily, I work night shift. Yeah. So I can make it work, but, Yeah. No. like, That's me and hard. Andy pretty much tag team. So when he's home, I'm at work, and when he's at work, I'm trying to sleep. That never happens. But At least you got each other to rely on, though, which is Well, which I is got good.","start_word":3608,"end_word":3672,"sentiment":"neutral","sentiment_score":-0.0032586310990154743},{"text":"it got to the point where we couldn't get childcare. There was a two year wait for childcare, so I had to leave my job in child like, I was actually a childcare worker. So I had to leave my job and go into disability and and do night shift because we couldn't get anyone to look after our kids. And that is So absolutely ridiculous that it's such a long wait yeah. time.","start_word":3673,"end_word":3746,"sentiment":"negative","sentiment_score":-0.4752230942249298},{"text":"And if I was to put because at the time when I did it, Alice was a baby, It was gonna cost us more than my wage to put her in five days in the day care with me. Yeah. And I have so So many friends who are in the same situation. It's like, well, what is the point yeah. of me going to work if I'm earning less than I'm paying for in childcare? Yeah. So I decided, okay. Well, I'll just go get a night job. And I just thought I was gonna go to Kohl's and just stack shelves. You know? And then my my old trainee turned around and said, no. You're better than that. There's a new house being built. I'll put your name forward for a job. And then they called me, and then they gave me the job. So Oh, I just I'll just went into disability, and I just do overnight. So it's it's how what was that what good? works at the moment.","start_word":3747,"end_word":3919,"sentiment":"neutral","sentiment_score":-0.08044808357954025},{"text":"I I don't like it. Like, it it knocks it knocks me around, but Yeah.","start_word":3920,"end_word":3934,"sentiment":"negative","sentiment_score":-0.44411951303482056},{"text":"Yeah. it works. Challenging. So whatever Yeah. works has to work at this point in time. Yeah. So And And that it's is where the hard. money is because it's Yeah. all Especially night shift overtime. as well. Yeah. You would get And paid weekends. a little bit of extra Yeah. a little bit of extra. Do you think it would be helpful to for me to send you guys, like, a cash flow on budget at all, or do you feel Yeah. like You you have can. a pretty You good can. And we can sit Yeah. down and have a look at it Yeah. and and and see Sometimes I it's mean, we've tried like, I helpful. paid out I paid out my personal loan, and I vowed I'm not gonna get another one. I shut down the majority of my credit cards. The only credit card I have is Latitude, and that's when, like, we have furniture Mhmm. that decides it's not gonna work anymore and we need to replace it. Yep. And Yep. it's all, like, it's all, what do you call, interest pay interest free. Yes.","start_word":3935,"end_word":4125,"sentiment":"neutral","sentiment_score":-0.08387356789792395},{"text":"Oh, So that's that's good. that's that's that.","start_word":4126,"end_word":4133,"sentiment":"positive","sentiment_score":0.47393107414245605},{"text":"And then, obviously, I have Afterpay. I think Andy has Afterpay, and he has one purse he has, like, one credit card. Yep. So yeah. And then he's trying to get his credit card down, and and and then he's gonna cancel his too. So Yeah. Kind but of I working got rid towards of, yeah, that. I got rid of my credit my personal credit card years ago.","start_word":4134,"end_word":4202,"sentiment":"neutral","sentiment_score":-0.02878700941801071},{"text":"Oh, that's good.","start_word":4203,"end_word":4205,"sentiment":"positive","sentiment_score":0.38828763365745544},{"text":"Yeah. And then, hopefully, So once that's kind of come down, especially with the car as well for Andy when that's kind of Yeah. in Well, June, his that car will give you he'll a little save bit a $130 there, mhmm. Yep. and then we wanna sell that car because he's gotta work me for now. Okay. We're just Yep. we're just waiting. His boss is upgrading his car because he's got a dual cab Ute Mhmm. where Andy doesn't have. He's just got a single cab. So Yep. when Andy gets the dual cab, we'll be able to sell Andy's car because we need the dual cab for the kids when Yep. I'm at work. Yep. So when we do that, then Andy will try and sell his car, and then we're gonna try and get rid of some of our debt, Mhmm. and that'll put us in a better position again. So Yeah.","start_word":4206,"end_word":4361,"sentiment":"neutral","sentiment_score":0.08109086751937866},{"text":"And that will free up a little bit of that cash flow yeah.","start_word":4362,"end_word":4374,"sentiment":"positive","sentiment_score":0.3385389447212219},{"text":"as well, which would would You assist. say you go we say we're gonna do all this stuff and then other shit happens and Oh, or it's they always decide that way. every time when we get in a good position and we think, oh, yeah. Finally, we're getting a little bit at a they go, oh, you need to move. And then every time we move, it's $6,000. Oh, yeah. Because you have removalists, and then you have bond cleaners and potential Yeah. carpet Or cleaning at it's and just everything. just putting down a bond is over 3 and a half grand. Yeah. Like, Because that's you normally just have your to pay bond, less and then four you weeks. gotta have your two weeks in advance, and Mhmm. then you all the extra start yeah. It's like a removalist is a couple of grand, and, yeah, it's just Yeah. full on. It adds up. It adds up. Well, Yeah. hopefully, once you get the the car and everything, that frees up a little bit for you and Yeah. things will get a little bit easier. But I also yeah.","start_word":4375,"end_word":4566,"sentiment":"neutral","sentiment_score":0.073428504789869},{"text":"Especially fuel prices and everything, everyone is struggling a lot at the moment.","start_word":4567,"end_word":4579,"sentiment":"negative","sentiment_score":-0.3720911145210266},{"text":"Yeah. I'll send you Andy the cashback Andy budget got luck anyway. Andy got lucky because Yeah. he got a with this new job, he got a work vehicle. So that freed That's up a lot good. of he's but he barely has Yeah. to put petrol in his Oh, fuel that's good. in his company. That's good. Yeah. Yeah. Because, yeah, that's that's one one thing at the moment where a lot of people are really struggling with their fuel prices and everything. Yeah. Well, he's caused diesel too, so that that made it Even hard. worse. But Well yeah. Well, that's good. And, yeah, I'll send you the cash flow budget anyway. If it is something Yeah. you guys at any one point in time want to have a look at, I always tell everyone it is good just to even if you don't do not want to make any changes or anything, it is usually good just to see where things are at. And sometimes Yeah. it is, like, surprising. Yeah. It's like, oh, well, maybe we can cut a little bit hair or change a little bit hair or you know? It it is usually just, like, a good kind of setting point Yeah. to see. So and then also you can see, okay. Well, once we have the car fixed, we don't have that anymore. That frees up this, and you can kind of you know, it is a bit of a process, but I'll send you the spreadsheet anyway. You'll have it in your inbox. If you have any questions or need assistance completing it at any way, just let me know. Yep. But, Yep. otherwise, it it is a helpful tool, but it does take a little bit to just kind of go through. So, obviously, take your time and just let me know if you do have any questions. Yep. Too easy.","start_word":4580,"end_word":4899,"sentiment":"neutral","sentiment_score":0.07272245325148105},{"text":"Perfect.","start_word":4900,"end_word":4900,"sentiment":"positive","sentiment_score":0.5560024976730347},{"text":"Is there anything else that's changed for either of you otherwise? No. No. No. No. It'd be nice Perfect. if we won Lotto.","start_word":4901,"end_word":4923,"sentiment":"neutral","sentiment_score":0.1370108723640442},{"text":"That would be nice. That'd be a good change.","start_word":4924,"end_word":4932,"sentiment":"positive","sentiment_score":0.5435581207275391},{"text":"It It is would 40 be nice million if I tonight. do it, Paige. Yep. Oh, is that tonight? Yeah. 40 mil. Well, hopefully, I get a call from you guys in the next couple of days and say, guess what? We need a financial adviser. Yeah. We have all this money and what are we gonna do? Yeah. Well, I have my fingers crossed. But, Connor, I'm talking about superannuation. So what I will do next is just to run through a bit of an updated risk profile questionnaire with you both just to see if your risk tolerance or anything has changed. Yep. Just multiple choice to make it nice and easy. There's no right or wrong answer. You can say different answers as well. But Yep. think about them in regards to your super. So at the moment, under current legislation, you can't access super until 60. If you stop working, so obviously a bit more of that long term plan. So have either of you bought direct shares yourself? No. Nope. My son hassles us to do it, but we don't do it. Yeah. No. That's all good. And are you both I have you down here. Are both of you would like to work a bit longer until age 67? Is that still the plan? Or if you could, would you want Look.","start_word":4933,"end_word":5160,"sentiment":"neutral","sentiment_score":0.0028095254174172225},{"text":"to I think we won't have a choice.","start_word":5161,"end_word":5168,"sentiment":"negative","sentiment_score":-0.5222979784011841},{"text":"I think that's mhmm.","start_word":5169,"end_word":5172,"sentiment":"neutral","sentiment_score":-0.30686455965042114},{"text":"just we may even have to work longer. Unless, like I said, like, unless we come into some sort of money, I think Mhmm. everyone's gonna get to a point where they're just gonna have to keep working a little bit longer.","start_word":5173,"end_word":5214,"sentiment":"negative","sentiment_score":-0.3939584493637085},{"text":"Yeah. Yep. We all hope we don't have to work tomorrow, but, you know, at some at this point in time, that that pretty much looks like it's gonna happen. We're gonna be, like, close to the 70, but we don't want to. But it just that Yep. that looks like that's gonna be the reality of it. Mhmm. Okay. And at 67, if you are eligible, then that's where you can also get a bit of age pension as well to assist. Yeah. Yeah. And I have here that an ideal income per week, so what both of you would like to draw from super when you do decide to retire is about $1,500 each. Do you think that would be sustainable? Obviously, you don't know what cost Is and that stuff a are way? going to be like a week yet, or do you feel Yeah. like you would need 3,000 Oh, no. I don't even get combined?","start_word":5215,"end_word":5374,"sentiment":"neutral","sentiment_score":0.026278680190443993},{"text":"that. I don't even get that now. That's that's pretty high. I I only get a thousand dollars a week now.","start_word":5375,"end_word":5395,"sentiment":"negative","sentiment_score":-0.4781017005443573},{"text":"And, Andy, what Okay. do you get? 1,500 take home. And Andy's on 1,500 take home. So we should probably go a little bit less than that. And with Okay. and and and as the as the time go like, we're gonna have less kids, we're hoping to downsize Yep. the size of the house so we Yeah. can save in like, so as the kids leave home, I mean, we're hoping. We've still got them Mhmm. Yep. all home at the moment. But as they leave, we can downsize to a three bedroom, you know, and Yep. and and work our way down. And, Yeah. hopefully, the rent will will decrease as well. So, Yeah. yeah, so that that scenario of by the time we were retired, we're not gonna have kids to Mhmm. have to support, so we could probably No. live off a lot less. So about a thousand each, would you say? Yeah. Like, I 2 reckon. thousand combined, roughly? Yeah. Alright. I reckon. Yeah. Depending Let's on if see. the as long as on the provider, the rents don't go through the roof. That Yes. that should be sufficient. Yeah. Yep.","start_word":5396,"end_word":5591,"sentiment":"neutral","sentiment_score":-0.0046113174936106924},{"text":"Perfect.","start_word":5592,"end_word":5592,"sentiment":"positive","sentiment_score":0.49712073802948},{"text":"And when it comes through how much risk you guys are comfortable taking for your superannuation, Would you say that you are comfortable taking very high risk, high moderate, or a small amount of risk for your superannuation? At the moment, because well, this is me. Anyone have a different Mhmm. thing, but because I've got the kids, I I Mhmm. I'll go a small risk. Okay. As as the kids obviously get older and they bugger off and we don't have them as liability, then I'd probably take a bigger risk. Mhmm. Okay. But whenever I've got the kids and they need looking after, I probably, yeah, stick to a low risk. What about you? Okay. Medium. You've got more money to play with. Yeah. Probably. A a medium? Any micro A medium? medium? Medium? Yeah. Okay. Perfect. Now when it comes to fluctuations, so how would you feel if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market, so not like one investment that's gone bad, just kind of general market trends, would you say that you would try to take advantage if you had the option to do so by thinking that, well, now prices are down is a good time to put more in, or would you just kind of be a bit neutral, hold, and wait to see what happens? Or would you be a bit more nervous and think, okay. Well, I should sell them and shift to a more secure asset, but that means you are then selling or the prices have already dropped? I haven't thought about it, to be honest. I just usually let you guys sit and see how things Let go it and sit. then Yeah. Yeah. Yeah. And then Take just, it from you there. know, if if after a bit more time, it's still not changing, then Then make Like, a you change. know it's gonna go up and down. That's the given. Yes. Like, it it Yeah. always goes up and down and usually balances back out again. But, I mean, your team's usually under it pretty quick anyway and shift things Yeah. around and stuff. Yeah. Yeah. Alright.","start_word":5593,"end_word":5972,"sentiment":"neutral","sentiment_score":-0.06502331014918654},{"text":"Perfect.","start_word":5973,"end_word":5973,"sentiment":"positive","sentiment_score":0.480785608291626},{"text":"So, obviously, depending on the situation, they'd be somewhere in the middle. Yeah. Yep.","start_word":5974,"end_word":5987,"sentiment":"neutral","sentiment_score":0.2109619528055191},{"text":"Perfect.","start_word":5988,"end_word":5988,"sentiment":"positive","sentiment_score":0.390702486038208},{"text":"Now the next one is, again, in regards to fluctuation. Yep. So if you ever saw fluctuations in any investments, would you say that you would feel optimistic about potential future opportunity? A bit more kind of cautious, not making further investments, or would you say that you would be quite concerned and anxious? Trying to look here at time when I suppose. I wouldn't freak out too quickly. Mhmm. So somewhere kind of a bit more neutral, like, maybe not put more in, but just not be super concerned either as long as it Yeah. doesn't Yeah. continue And for it a long depends period on of the time? time period. Yes. Like, if it's if it starts like, if we're if we're getting, you know, after sort of the six Yes. month mark and it's looking horrible or or whatever, but we we'd obviously look at other things. Yes. But if it's only, like, a month or two and and it's and it's like I just sit for a little bit and see what happened. Yep. No. Perfect. And last one here is in regards to borrowing money. So would you guys ever want to take out a loan to invest in stocks or funds? I don't really know much stuff. Have on the stuff. Yeah.","start_word":5989,"end_word":6206,"sentiment":"neutral","sentiment_score":-0.05645016597908571},{"text":"I'd have to it'd be something I wouldn't do it yet. Like, I've I've I've heard good and bad things about it, so I'm very Mhmm. perplexed about about doing it.","start_word":6207,"end_word":6237,"sentiment":"negative","sentiment_score":-0.3821903467178345},{"text":"And, you know, I know people that have done it, and it it worked good for them. And his parents have done it Yep. Yep. at at some point. My son always is to do it though. Yeah. My son encourages me to do it all the time because he's learning about it at school. I don't know enough about it, I'll be Okay. honest. But Yep. it it's something that I'd have to really know the ins and outs of before I could make a decision on whether it was for us or not. Okay. But So because if, hypothetically yeah. speaking, you had the option to do so and there was a good investment, you would be open to maybe borrowing money to invest if the option was good. Is that Mister. what I'm gauging? Yeah. Yeah. Doesn't Of course. say you guys have to. It's just in terms of gauging Yeah. how I how mean, you if feel. it was if Yeah.","start_word":6238,"end_word":6402,"sentiment":"neutral","sentiment_score":0.07851618528366089},{"text":"it was looking good and it and it was a good opportunity, we may.","start_word":6403,"end_word":6416,"sentiment":"positive","sentiment_score":0.3653439283370972},{"text":"Yeah? Yep. Okay. Perfect. And some of this is tricky as well because everyone's like, oh, it depends on the situation, and that is 100% Yeah. true. It is mainly for me to gauge how you guys would behave and act in a certain situation to Yep. match that within time frames and other things to see if it is an appropriate level of risk we have for you. Sorry. Yep. Some of them can be a bit tricky, but, essentially Like, our main to be honest with you, our main goal that we've always wanted is to have a house. yeah.","start_word":6417,"end_word":6518,"sentiment":"neutral","sentiment_score":-0.08315739035606384},{"text":"But just in this day and age and the way housing prices are and that, we know at this point in time, that's not gonna be viable for us at this point in time.","start_word":6519,"end_word":6552,"sentiment":"negative","sentiment_score":-0.3887633681297302},{"text":"Situations change, and, Mhmm. you Yep. know, Yes. we've got some kids that are getting to the to the age where they could leave, and we can look at, you know, downsizing in house and saving money in bits and place piece. So it could eventually happen. You know what I Yeah. mean? But Yeah.","start_word":6553,"end_word":6607,"sentiment":"neutral","sentiment_score":-0.003686473704874515},{"text":"we just know at this point in time, there's no point because we don't have any spare money to even put away.","start_word":6608,"end_word":6629,"sentiment":"negative","sentiment_score":-0.36825743317604065},{"text":"Yep. So there's no point talking to a financial adviser or or or or a mortgage broker or anything like that because we know Mhmm. the answer is gonna be no because we've Okay. got no savings Yep. and everything's tight. But Yep. give it another five years or three years or whatever, Very that nice. could be a totally different scenario Yes. because we have a 22 year old and a 16 year Mhmm. old. You know what I mean? So Yep. Things their are always changing. their situations Mhmm. could change, which means our situation could change. Yes.","start_word":6630,"end_word":6729,"sentiment":"neutral","sentiment_score":-0.11692175269126892},{"text":"And that's why the under reviews are so good as well.","start_word":6730,"end_word":6740,"sentiment":"positive","sentiment_score":0.3873756229877472},{"text":"So it is a bit of a checking point to see because things are always changing, and the advice and stuff are never set in stone. It is things Yeah. that's always ever evolving and changing. I mean, the market's always changing. Investment's always changing. Your life situation is changing. How much insurance you need is always changing. So it is one of those things that it is good to assess just to make sure it's appropriate for where you guys are at at the time. Yep. Yes. So and, also, as well, it's like, well, a lot of the time, people are like, well, at the moment, I can't access it until I turn 60. So, you know, that's over, you know, seventeen years away. So Yes. I'm comfortable taking a bit of fluctuation because I can't do anything with it anyway. And then the closer you get to retirement, it's like, okay. Well, if I wanted to access my money tomorrow, I don't want it to be a massive drift, like, dip at the moment because if I need my money. So it's like, Yes. usually, the closer you get to retirement, you then want to start at gradually reducing risk, Yeah. typically. So both of you at the moment have come out in a growth portfolio in terms of your risk allocation, which is the portfolio we currently have you allocated through when it comes to risk. So do you guys remember what it means to be a growth investor? No. Not really. No. No? I'm That's why I don't. sorry. That's Growth okay. usually means a good thing, though. Yeah. So we in a great typical growth, we we would see investors who are looking at, you know, you you wanna get as much growth of your superannuation while you still have plenty of time. But also where you are comfortable seeing a bit of fluctuations in the short term in order to achieve that. Now Yes. when we are then talking about an asset allocation, so do you guys actually have access to your emails at the moment? Because I sent you both an email, and Yeah. it does make it a bit easier talking about this if you can access it. Yeah. They are quite similar if you wanna just look on, like, one phone or something if it's easier. Yeah. It Yeah. is I think that's all done. slightly different some forms, but I can just talk that through, and then you can have a look at it after. Yep. Just let me know which account you're logging through just so I can mirror Yeah. Just the send it forms. to mine, to hayley Send underscore it to yours? patricia. Yeah. Yep. So I have to send it through. So it should have come through about to about a 05:30. Okay. It could go I'll have to a look. spam as well. I'll have a look.","start_word":6741,"end_word":7233,"sentiment":"neutral","sentiment_score":0.0301609607696775},{"text":"And we recently have changed the software, so it could very well have gone to spam if you didn't recognize it.","start_word":7234,"end_word":7254,"sentiment":"negative","sentiment_score":-0.4380880296230316},{"text":"Okay. There's nothing there. Going to inbox. Going to other. Nothing's come into mine Okay. Let me have a look. at all. Did you receive it, Andrew? Let me have a look. I've looked at did you send it to Hailey_Patricia@Hotmail? Let me triple check for you. Haley_Patricia@Hotmail.com. Yes. Yep. Yeah. I haven't got anything. I've looked Let in me see everything. here. It says it's missing on my end, but maybe I'll just try to resend it. What's the I do have something here for you. What's this one? The sign and request annual review Yes. 20 that's the one? Yep. That's the one. Yep. Alright. So can we use yours for now, Andrew? And I will Yeah. try to Yeah. resend That's it fine. to you, Hailey, and then just let me know Yeah. if it came through. I'll just try to resend that. Did it go into your app store, or did it Yeah. It's just a normal. Yeah. I haven't got Sometimes let anything. me see how I'll just resend it. Mhmm. Sometimes at this time of Mhmm. the night too, it can be a little bit slower for some reason. Yeah. But we can go through Andrews, and then Yep. let me know if you do Oh, receive it comes through. the pay lead. Yeah.","start_word":7255,"end_word":7474,"sentiment":"neutral","sentiment_score":0.000692999434911392},{"text":"Amazing. Mine comes through.","start_word":7475,"end_word":7478,"sentiment":"positive","sentiment_score":0.4238100051879883},{"text":"Reset worked, not the first one. Yeah. But if we if we do, let's say, yours, Andrew, because it is pretty similar, Yep. if you can see one document that says the see, like I said, we have changed the software. So now you don't you don't have to click on the link straight away Yep. to sign. So before you click on the link, it will say, at the bottom of the email, can you see a couple of attachments? Yeah. Yeah. There's, Yep. like, six of them or something. Yes. So if you can Yep. open the one that says 2025 Vanguard index chart for me. Yep. Yep. Sorry. It can look a bit messy if you're looking on your your phone, but, essentially, it is a good visual representation of what we are talking about when we're talking about the market.","start_word":7479,"end_word":7622,"sentiment":"neutral","sentiment_score":0.07820429399402605},{"text":"And Vanguard does publish these every year, which is good.","start_word":7623,"end_word":7632,"sentiment":"positive","sentiment_score":0.47400254011154175},{"text":"And it kind of shows you, like, a bigger picture, and it goes back from 1995 through to 2025. And you can see all the kind of ups and downs of the market depending on the big events that's happened in the world. Yep. But, essentially, it shows us that the market always goes up in the long term. The short term, Yes. there will be ups and downs in different market fluctuations. Now this one here also breaks down the different asset classes. So when we go back to talking about your growth portfolio, we typically see 80% invested in what we call your growth assets. Now these are typically your top four. So you have your US shares, Australian shares, international shares, and property, about 80%. So you can see that these are the ones that grow the most, but they also fluctuate the most. And then you do have about 20% in the bottom three. So your defensive investments to Yeah. try and limit fluctuations a little bit there for you, but still obviously trying to focus on growing your super. Now when we are talking about a time frame as well, so making sure you have enough time in the market for those fluctuations. In a growth portfolio, we typically want Yep. to see at least six years until retirement. So making sure you have enough time for things to come back around. So from a time frame point of view, if you definitely have that behind you, both of you, if you are happy with the level of, like, fluctuation and risk of a growth investor. Yep. Yep. You're both happy with that? Yeah. Yeah. Yep.","start_word":7633,"end_word":7913,"sentiment":"neutral","sentiment_score":0.08436687290668488},{"text":"Great. Perfect.","start_word":7914,"end_word":7915,"sentiment":"positive","sentiment_score":0.500977635383606},{"text":"Now while we are in your email, you will both have a super and insurance summary. But if you can see yours Yeah. in front of you, Andrew, if you could open that one. Yeah. I'm just trying to get out of that. Yep. K. But oh, okay. Yeah. That's it. Yep. Summary one. Yep. That one, the third one. Yep. Yep. You can see that okay? Yeah. Yep.","start_word":7916,"end_word":7984,"sentiment":"neutral","sentiment_score":0.07688576701110687},{"text":"Perfect. So this shows your situation, Andrew.","start_word":7985,"end_word":7991,"sentiment":"positive","sentiment_score":0.3923141658306122},{"text":"So you can see you have your super in Hub 24, and you do have $207,278 in there. Now Yep. for you, Hailey, when you do have a I've look at got your mine email now. oh, perfect. So you will see about a 112,379. Yep. Now for insurances. So, Andrew, you have insurances with Clearview. For life and TPD, you have 626,000 of 273. Are you still happy with that level of cover for life and TPD if something were to happen to you? Yeah. I think so. Yeah. Yep.","start_word":7992,"end_word":8082,"sentiment":"neutral","sentiment_score":0.10802217572927476},{"text":"Perfect.","start_word":8083,"end_word":8083,"sentiment":"positive","sentiment_score":0.5352118015289307},{"text":"And when it comes to income protection, you do have here that it will be paid out a monthly amount of $5,555 per month, and you do have a thirty day waiting period and a five year benefit period. Now all of that is paid from within superannuation, so you don't pay for anything out of pocket. Yep. You do get a 15% tax rebate on the way this is structured. So after that, it is 2,158. Yep. Are you still happy with the income protection and everything like that for you as well? Yeah. I think Yep.","start_word":8084,"end_word":8181,"sentiment":"neutral","sentiment_score":0.2104154527187347},{"text":"Perfect.","start_word":8182,"end_word":8182,"sentiment":"positive","sentiment_score":0.4876163601875305},{"text":"And for you, so. Hailey, you have life and TPD. With hub twenty four, that is 2 27239. Are you also happy with that level of cover for life and TPD? I think so. Yep. It it obviously, it depends on what your goals are, but often what people are needing is clearing out any debts. If something were to happen, which you certainly would cover, and then it's just leaving a bit of extra support to the family if something were to happen or if you can't work to then Yeah. Yeah. provide you with a bit of that lump sum. If something were to happen, the super will also be paid on top of that. Yeah. Yep. You also have an income protection policy, and that will pay a monthly amount of $3,351 per month. You have a ninety day waiting period and two year benefit period, and your one is 908 per year. Yep. Any questions so far?","start_word":8183,"end_word":8343,"sentiment":"neutral","sentiment_score":0.11131388823623242},{"text":"That's pretty straightforward.","start_word":8344,"end_word":8346,"sentiment":"positive","sentiment_score":0.4027887284755707},{"text":"Yeah. No.","start_word":8347,"end_word":8348,"sentiment":"neutral","sentiment_score":-0.1076357513666153},{"text":"It's not Good.","start_word":8349,"end_word":8351,"sentiment":"negative","sentiment_score":-0.3904457986354828},{"text":"Solve it. No. Pretty straightforward.","start_word":8352,"end_word":8356,"sentiment":"neutral","sentiment_score":0.02424401044845581},{"text":"Perfect.","start_word":8357,"end_word":8357,"sentiment":"positive","sentiment_score":0.5560637712478638},{"text":"And now the next one is can you see one where it says twelve month, have a 24 performance report? Yep. Yep. Can you say two, Hailey? Twelve month hub 24. Is that Yes. It says IRR next to it as yeah. well? Yep. Got Yep. that up.","start_word":8358,"end_word":8405,"sentiment":"neutral","sentiment_score":0.05495978891849518},{"text":"Perfect.","start_word":8406,"end_word":8406,"sentiment":"positive","sentiment_score":0.450688898563385},{"text":"So if I start with you, Andrew. So it is quite similar because you do have similar investments. It is just tailored on your balance and fees and stuff like that. But, basically, for both of you, it does break down the individual investments. So this is over the last twelve months. So the last twelve months, like I touched on earlier, we have seen quite a bit of fluctuations in the market. It's been a bit turbulent with, obviously, everything in The US with Trump and tariffs and everything and, obviously, more recently with the war. So we have seen a bit of fluctuations. Yeah. Despite all of that, though, both of your portfolio has still held up pretty good. So for you, Andrew, in the last twelve months, after fees, the portfolio has still gone up by 7.47% after Yes. fees. For you, Hailey, same time period, same same other other things. Again, after fees, 7.36. Yep. Now with your investments, there is one investment I do wanna touch on a little bit through potential look at changing. So when you do have a look at for both of you, you can basically see that if you look at the column, the second column to the right versus internal rate of return, this is how the individual investment has performed. So the one that has a bracket next to it is down.","start_word":8407,"end_word":8640,"sentiment":"neutral","sentiment_score":0.0955420434474945},{"text":"The others are all positive.","start_word":8641,"end_word":8645,"sentiment":"positive","sentiment_score":0.3787058293819427},{"text":"Does that make Yep. sense? Yep. Yep. So the one I want to look at a bit more is that that one that is down, which is your Benelon Australian equity. Yeah. Now sometimes when investments are down, it is just a cyclical trend depending on the market trends that's going up in the market.","start_word":8646,"end_word":8700,"sentiment":"neutral","sentiment_score":-0.003560757095163519},{"text":"And we like to you know, if we still think it's a really good investment, we like to keep it and see, because we believe it's gonna come back around.","start_word":8701,"end_word":8730,"sentiment":"positive","sentiment_score":0.4435404539108277},{"text":"We've been along. We have done a lot of research on it, and we feel like there might be better options out there, that we could look at instead. Because we've Yes. been along the way that they kind of work is that they are a managed fund, so they are actively trying to buy and sell different investments in order to try to outperform the market. And if they are kind of under they have been a little bit slower recently with making their decisions. Before, they were really, really good. They were one of the best performing fund managers, but more recently, they've been a little bit slower with making their decisions. And if that's the case as well and we don't foresee it being the best option for for you, we then wanna look at, okay, what can we swap it for instead, making sure we put you both in the best position moving forward. Mhmm. So are you happy, both of you, for me to do a bit of proposal to see what we could swap that one out for you? Yeah. Yeah. Yeah. They Yeah? usually just swap them out anyway. Half the time, I don't even know what to swap them out with. They just watch it and swap it.","start_word":8731,"end_word":8946,"sentiment":"neutral","sentiment_score":0.05797381326556206},{"text":"And so I'm So I'm happy we to for them to do whatever.","start_word":8947,"end_word":8959,"sentiment":"positive","sentiment_score":0.3365691006183624},{"text":"yeah. So with investments, if it is under if it's under 15,000 and it is not a massive change, we can just send you a document to say this is what we've changed. If it's Yeah. over 15,000, we have to, from a compliance point, put it in that, like, a statement of advice for you and do a bit more in-depth research. Okay. Now for Yeah. you, Hailey, it is under 15, but for Andrew, you are over. So Yeah. because of that, I might as well do a bit more in-depth for both of you and include it in one strategy if you are happy with that, Yep. and we Yep. can do it all together. Yep. Yep.","start_word":8960,"end_word":9079,"sentiment":"neutral","sentiment_score":0.12840943820774556},{"text":"Alright. Perfect.","start_word":9080,"end_word":9081,"sentiment":"positive","sentiment_score":0.540783703327179},{"text":"Now, otherwise, in the email, you should see so for you, Andrew, you will have your Clearview certificate of currency. This shows you the insurances in a bit more, detail there for you. And both of you as well should have a financial services guide version four and then Oh, o you don't two have services it? guide version one. Yeah. Yeah? You following Good. me so far? Yeah. Yeah. It's the guy Clear fee. service guy. Yeah. Yep. So for example let me just see here. If you wanna open the OQ services guide, the other one is just kind of like a smaller version. So I'll let you guys have a read over that in your own time. But if you wanna open the OQ services guide, now this is the same one for both of you, It is Yeah. one of those compliance forms. You probably have seen these a few times, but, basically, it gives you all the important information in regards to us here. None of the information has none of the important information has changed, but we recently had a bit of an update through marketing, which is great.","start_word":9082,"end_word":9276,"sentiment":"neutral","sentiment_score":0.11499802768230438},{"text":"We've got a bit more updated photos, which is nice, and we've had a bit of an extension to the team as well.","start_word":9277,"end_word":9299,"sentiment":"positive","sentiment_score":0.5153146386146545},{"text":"So as you guys have a have a scroll through, you guys can read this in your own time as well. But if you do wanna put a face through my voice as well to know who you're actually speaking with, if you want to scroll down through page 10, I believe, you should see myself there next to Dana. Okay. This one. This one. It's the first You can one. kind of scroll through. You can see a cup Five you can five see zero the team, one. like, the director. Yeah. We just have the wrong one open. You're like, there is no page 10. Okay. Yep. I see you. Yeah.","start_word":9300,"end_word":9412,"sentiment":"neutral","sentiment_score":0.04771534037009805},{"text":"So sometimes it is nice to see who you are talking with, and you can kind of have a scroll through your own time as well with, you know, all the advices and everything in here for you as well. That was basically all of the documents there.","start_word":9413,"end_word":9460,"sentiment":"positive","sentiment_score":0.5586557388305664},{"text":"Now there is one attachment for both of you to sign.","start_word":9461,"end_word":9471,"sentiment":"neutral","sentiment_score":0.24631929397583008},{"text":"Now you have already signed your ongoing service agreement before, so you don't have to do that. That one was basically to say that you're happy to stay on as a client.","start_word":9472,"end_word":9503,"sentiment":"positive","sentiment_score":0.46453601121902466},{"text":"There was no changes whatsoever in regards to that fee structure. It stayed exactly the same at 1.1. But you guys have Yeah. already signed that. So the only thing outstanding for both of you is a tax file number opt in form. So if you guys click out of your inbox and then click on the link where it says request signature sign now, can you guys then see both of you a form where it says option to provide tax file number? Which one were we looking? Just Sorry. press If one. you click on Oh, the link okay. Bye yeah. bye. Bye. Option to provide tax phone number. Yep. Yep. Sorry. This Yeah. is the only one that requires a signature, and that is basically another compliance form just to say we are keeping your tax number secure and safe on file. Yeah. So if you guys are happy to add a little scribble on that one and then press see that finish or start or validate, and then it should say, like, a little wheel that loads, and then it should just send it back to me. Sign? I saw sign all. I just did There should just be one, so you could do sign either because it should all. take you just to where you need to sign. You can't you can't just sign Yep. all because it should just be that one form. And then we'll just go the date in it. It'll automatically do it. It's just that. Usually. Cool. Yes. Validate. Yeah. Validate. Yep. All done.","start_word":9504,"end_word":9767,"sentiment":"neutral","sentiment_score":0.12706241011619568},{"text":"Alright. Perfect.","start_word":9768,"end_word":9769,"sentiment":"positive","sentiment_score":0.4602895677089691},{"text":"I can see, Hailey, yours have come through. And Andrea's this is yours doing must a. be no. It's just That's taking. okay. While I do Yep.","start_word":9770,"end_word":9796,"sentiment":"neutral","sentiment_score":0.10364351911401308},{"text":"wait for Andrea to oh, beautiful. That has come through as well, which is great. Done.","start_word":9797,"end_word":9812,"sentiment":"positive","sentiment_score":0.646084189414978},{"text":"So, basically, from here is that I will pre fill those beneficiary forms for you, send it through to you, Hailey, get Yep. that all sorted. I'll attach the cash flow and budget spreadsheet as well. Otherwise, I will go and do the research on your investments to see if we wanna swap out that Benelung for you and what that would look like. So while Yeah. I have you on the phone, I can book in a time to go through that. And are you happy to do that together again on Yeah. the phone? Yep. Yeah. Perfect. Now when is the best time for you to do that? Usually, like, usually around the time we did today Okay. is the Sorry about better. this. Thursdays, Fridays is our better days, like yeah. Because I work at the start of the week. Yeah. I do overnighters. So, usually, like, Thursdays and Fridays is probably the better. In saying that Monday, you'd Mondays, I go to work too. Oh, yeah. But we don't staying to work as well. So Yeah. So Monday is probably another good day. Okay. Let me have a look. So I don't I'm work just Friday, because I've got a work the around first. sport as well, like, Yeah. afternoon sports. No. That's okay. Alright. Let me have a look at availability. Sorry. I could do Thursday, June 4. I could do same time, 05:30. Let me Otherwise, that'll be Thursday, sorry, in two weeks. Thursday, June 4 at 05:30. Yep. Otherwise because Thursdays is my when I work after hours. Yep. Otherwise, if we want to look at a Monday, I could do Monday the first at 4PM Yeah. or I'm still No. I'm now just finishing up with things. That yeah. It was six to It's the fourth a bit too of June. early.","start_word":9813,"end_word":10122,"sentiment":"neutral","sentiment_score":0.05571973696351051},{"text":"That's fine.","start_word":10123,"end_word":10124,"sentiment":"positive","sentiment_score":0.3971414864063263},{"text":"Okay. So fourth Yep. of June at 05:30. Yep. The same as now.","start_word":10125,"end_word":10137,"sentiment":"neutral","sentiment_score":0.0987810045480728},{"text":"Okay. Perfect.","start_word":10138,"end_word":10139,"sentiment":"positive","sentiment_score":0.5186139345169067},{"text":"Well, I will get that all booked in on Thursday, June 4 at 05:30. I'll give you a call again and send you guys the proposal, and we can kind of go through it. It should be a little bit quicker than today's conversation. Yeah. But before I let you guys go, otherwise, do you have any other questions for me before I let you go and enjoy the rest of your afternoon or evening, No. I That's should say? it. No.","start_word":10140,"end_word":10221,"sentiment":"neutral","sentiment_score":0.19444596767425537},{"text":"I went That's pretty all good. good. Yeah. Yeah. Beautiful.","start_word":10222,"end_word":10231,"sentiment":"positive","sentiment_score":0.4702813923358917},{"text":"If you can't think of anything and you there is anything else, so just let me know.","start_word":10232,"end_word":10248,"sentiment":"neutral","sentiment_score":0.33045604825019836},{"text":"But, otherwise, I look forward to speaking with you both on Thursday, June 4. Thank you. Alright. Thank you.","start_word":10249,"end_word":10267,"sentiment":"positive","sentiment_score":0.4577483534812927},{"text":"Mhmm. No problem at all. We'll speak soon.","start_word":10268,"end_word":10275,"sentiment":"neutral","sentiment_score":0.262136846780777},{"text":"Okay. Thank you. Alright. Bye. Have a good Bye.","start_word":10276,"end_word":10284,"sentiment":"positive","sentiment_score":0.4419218599796295},{"text":"night. Bye. You Bye. too.","start_word":10285,"end_word":10289,"sentiment":"neutral","sentiment_score":0.2124195098876953}],"average":{"sentiment":"neutral","sentiment_score":0.021549983044382943}}}}