{"metadata":{"transaction_key":"deprecated","request_id":"5988daea-ed9a-40ae-8d7c-5287c72e9070","sha256":"a46c80c54914bec6ee8c70a2cf36a71d18aa274ce3caa2f5497fb0f60a11948e","created":"2026-03-18T01:20:24.897Z","duration":977.39996,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3835,"output_tokens":105},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4287,"output_tokens":4296},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4287,"output_tokens":310}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Lauren. This is Kyle calling from OP Financial. This is in regards to your scheduled booking. Hi, Lauren. It's Kyle from Oakview. How are you today? No. That's perfectly fine. Are you still happy to have the conversation now? Not a pro yeah. Not a problem. Just to discuss that one, Lauren, if I could just pass you through Secure with that name, date of birth, and current address. Thank you. Perfect. Thank you for that one. Now in regards to that one, could you do hold that policy for the income protection? Is that the one you were looking to remove? Yeah. Because it is obviously the risk you run. So like you you said, sort of, given that you don't have a huge amount of debts or anything like that, it's mainly for an event that you couldn't work, like, your normal sort of occupation, there's a chance you'd be able to claim on that income protection policy, which is all the way to the age of 65. So you are unable to work. That's what you sort of the benefit and risk mitigation you're paying to, the fact that if something were to happen, if you were to make a successful claim that you are covered and you would have that level of income, although you may have some form of, like, yeah, savings for now, but if you that was to go on for, like, a significant period of time, say, like, broken back, things like that, that's what that policy would sorta cover for. And then you're right. And so the total premium would be around a thousand dollars, but that is paid out of your your superannuation for that income protection, if that makes sense. Yep. Yep. Yeah. No. That's fine. Obviously, the risk in regards to that one is, obviously, when you're younger, like, you don't really have any health issues. If anything was to arise sorta down the track, it may end up being an exclusion on a newer policy. In addition to that one, you would have to go through underwriting to skin your policy. So if you're comfortable, you know, being self insured and the risk of not having insurance and canceling your insurance, that's more than fine. In regards to everything else that you aren't due for that annual review, I know sort of towards the end, Lendly, last year did sort of come up, but we just didn't have a chance to discuss it when we last had a conversation. Would you have time to run through just a quick update there in regards to everything for your annual review? Yeah. It's a little bit muffled, but as long as you're fine, that's more than fine. Yeah. Not a problem. Well, I will just run through and just confirm a few details in regards to your sort of life circumstances. Because I know you did change roles as well with the department there of veteran affairs. So I'll just confirm a few things here. So in regards to your email, is it still iCourtneyt27@Gmail.com? Oh, l Courtney. Sorry. Yep. In regards to your details too since you last moved as well, I don't believe you completed the change of details form that we did send out in regards to changing your updated details. Let me just double check and see. Because I believe we updated the the email address, but the number might be slightly different. Let me just that's the beneficiary form. So within regards to the number we've got, obviously, the number of calls you want, which ends in 287. But on your account, you have your old number of 900. So that was what that form was in regards. So I can get them to resend that, but the obviously, updating the phone number, that's used for, like, security update purposes if you weren't able to access your account. That in regards to that in your email, which you do need to complete a change of details form for a number. We obviously updated the the address, but their number has to be updated through that. And then you're correct in regards to the beneficiary forms there as well are outstanding. But we'll get those, yeah, we'll get those Oh, okay. If you yeah. There isn't one on the account. I believe we received them. Did you send them back via email or through the post? Okay. They might have gotten lost in the the mail there. Do you have an email that like, a printer at home that we could just email you the forms and you'd be able to print them and complete them and scan them back? They might just not get there at the moment. So what we'll do is we'll email you the forms, and you can just print them and sign them and scan them back. That way, at least, we don't get lost in the mail again. So I'll get them to do that to the change of details form and then regards to your beneficiary forms there as well. Now in regards to your occupation, I know you did mention you're working at the Department of Veteran Affairs, but you didn't sort of give us too many details in regards to that. So with that one there, what's your sort of title with your new role? Yeah. And then with that, are you working you said you work in an office there. Are you in the office full time? Do you sort of go to other people's houses? Or Yep. So 75% home and then 15 percent in office? Perfect. And then is it just sort of mental health counseling for veteran affairs? Yep. And then within regards to your qualification, I don't think we've ever had it previously listed, but did you do a diploma or a bachelor's? Or perfect. I'll just make a note of that. Thank you. And then as far as this role here, you've probably been doing that, what, like, six months now? Yep. And this industry experience, how much do you have industry experience wise? Yeah. Just in the industry. Perfect. And then with that, are you working full time at this new role? So, like, thirty eight hours. Do you get sort of holidays and things like that as well still? Okay. No worries. And do you get superannuation with that contract work, or you have to pay your own? Okay. That's good. It probably is. I just didn't pull it up in front of me there. And do you know roughly roughly in regards to your income what you're on, like, in a gross amount? After tax? Perfect. And as far as, like, your expenditure versus your savings at the moment, do you know roughly what your outgoings versus what you're putting away are? So, like, on a weekly amount, like, do you break up your income to, like, sort of this goes to bills and this is how much I wanna be putting into savings sort of thing? Yep. And as far as your expenditure, you're a little unsure of what your outgoings are each week? No problem. That's fine. And as far as additional contributions to superannuation or anything like that, is it something you've thought about? Is that something you wanna look at? Are you happy at the moment? Yep. Not a problem at all. And then within regards to your Assenant side, because it sounds like it has changed a little bit. I know you had the car worth around 18,000. Is that still the same car? And then do you know roughly what that car was worth when you bought it or what's worth at the moment? Let's say well, obviously, you're not gonna sell it anyway, so I'll just put the the purchase amount there. And as far as savings, given that you did receive inheritance and things like that as well, do you know roughly how much you do have in savings now? Okay. Yep. Perfect. And then as far as any other assets, liabilities, do you have anything else? Okay. Not a problem. And then as far as your health's been for the last twelve months, no unexpected changes or anything like that in regards to not something you should be concerned about or anything that you should probably get, like, a a check or anything just before canceling insurances is the reason I sort of asked. Yep. Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup. But if you're comfortable not doing that still and canceling your insurances, that's fine. But it always sort of is just good practice. But given you are younger, there's probably nothing would come from it anyway, and you're sort of a rare for the risk, so that's fine. And as far as private health at the moment, have you got private health cover? Yeah. No. That's fine. So within regards to that, you know, once you sort of turn 30 each year after that, like, it does increase in price as well, which is just something to be aware of if you did wanna potentially get in the future. It obviously does they add, like, a loading to it. That will stay there for ten years even if you take out a policy and continue to pay a policy. It's just something to be mindful of. We obviously don't make recommendations in regards to general health insurances anyway. It's just something you should be aware of. But if you're comfortable sort of not having that and if your income were to you know, given that you are on that higher income amount as well, you might end up paying, like, a bit more in Medicare levy as well, just depending, on your take home pay, versus, like, if you did have the private health cover, if that makes sense. Yeah. No. That that's perfectly fine. Yeah. So it's just important to note that, you know, if it's you're in an industry that you're sort of looking at increasing your your income there as well, you may be liable sort of additional Medicare levy costs given that you are sort of up over that 100,000 now as well. And in regards to estate planning matters, have you managed to sort of think about that, setting up a will, things like that as well? Yeah. No. That's yep. Yep. And no problem. So, obviously, we're still gonna chase you up on the beneficiary forms for the non estate asset, which is your superannuation there. Just in the event that anything did happen because, otherwise, it does go to your will. Given that you don't really have any dependents that would sort of fall under this law anyway, it's likely to sort of you direct it to your will to be distributed through, like, a will just because, you know, if you wanna leave it to, you know, brothers, sisters, parents, things like that, they aren't sort of valid nominations unless you're caring for them in in some sort of way. But, yeah, that's just something to be to be mindful of there as well. Now in regards to a risk profile there is well, we just quickly do an updated one to make sure your risk tolerance is in line with what we've got you invested there, Lauren. So I'll I'll just ask a few questions here similar to what you've answered previously. But you haven't made direct share investments since we last spoke? Yep. No. That's fine. And then in regards to inflation, obviously, the cost of living keeps going up. You know, the fuel price just in the last few weeks has jumped by 40¢, so that's a bit rough. But are you still willing to take on a moderate amount of risk to try and outpace inflation and get a return in your superannuation? You're comfortable, like, with that sort of moderate risk for moderate returns at the moment? Yes. So given your age there as well, Lauren, because you are on the younger side of things, you've got, like, twenty seven years before you could even access the money if you wanted to, which is a long time to be invested. And over that period of time, like, generally, it doesn't matter what types of investment you choose, it will end up higher above them. And given if you have a higher allocation to growth assets and holding it for that longer period of time, when it does take a bit of dip in times like, you know, now when there is a war, It's just you have the time to recover from those dips even like the GFC a few 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Lauren. This is Kyle calling from OP Financial. This is in regards to your scheduled booking. Hi, Lauren. It's Kyle from Oakview.\n\nHow are you today? No. That's perfectly fine. Are you still happy to have the conversation now? Not a pro yeah.\n\nNot a problem. Just to discuss that one, Lauren, if I could just pass you through Secure with that name, date of birth, and current address. Thank you. Perfect. Thank you for that one.\n\nNow in regards to that one, could you do hold that policy for the income protection? Is that the one you were looking to remove? Yeah. Because it is obviously the risk you run. So like you you said, sort of, given that you don't have a huge amount of debts or anything like that, it's mainly for an event that you couldn't work, like, your normal sort of occupation, there's a chance you'd be able to claim on that income protection policy, which is all the way to the age of 65.\n\nSo you are unable to work. That's what you sort of the benefit and risk mitigation you're paying to, the fact that if something were to happen, if you were to make a successful claim that you are covered and you would have that level of income, although you may have some form of, like, yeah, savings for now, but if you that was to go on for, like, a significant period of time, say, like, broken back, things like that, that's what that policy would sorta cover for. And then you're right. And so the total premium would be around a thousand dollars, but that is paid out of your your superannuation for that income protection, if that makes sense. Yep.\n\nYep. Yeah. No. That's fine. Obviously, the risk in regards to that one is, obviously, when you're younger, like, you don't really have any health issues.\n\nIf anything was to arise sorta down the track, it may end up being an exclusion on a newer policy. In addition to that one, you would have to go through underwriting to skin your policy. So if you're comfortable, you know, being self insured and the risk of not having insurance and canceling your insurance, that's more than fine. In regards to everything else that you aren't due for that annual review, I know sort of towards the end, Lendly, last year did sort of come up, but we just didn't have a chance to discuss it when we last had a conversation. Would you have time to run through just a quick update there in regards to everything for your annual review?\n\nYeah. It's a little bit muffled, but as long as you're fine, that's more than fine. Yeah. Not a problem. Well, I will just run through and just confirm a few details in regards to your sort of life circumstances.\n\nBecause I know you did change roles as well with the department there of veteran affairs. So I'll just confirm a few things here. So in regards to your email, is it still iCourtneyt27@Gmail.com? Oh, l Courtney. Sorry.\n\nYep. In regards to your details too since you last moved as well, I don't believe you completed the change of details form that we did send out in regards to changing your updated details. Let me just double check and see. Because I believe we updated the the email address, but the number might be slightly different. Let me just that's the beneficiary form.\n\nSo within regards to the number we've got, obviously, the number of calls you want, which ends in 287. But on your account, you have your old number of 900. So that was what that form was in regards. So I can get them to resend that, but the obviously, updating the phone number, that's used for, like, security update purposes if you weren't able to access your account. That in regards to that in your email, which you do need to complete a change of details form for a number.\n\nWe obviously updated the the address, but their number has to be updated through that. And then you're correct in regards to the beneficiary forms there as well are outstanding. But we'll get those, yeah, we'll get those Oh, okay. If you yeah. There isn't one on the account.\n\nI believe we received them. Did you send them back via email or through the post? Okay. They might have gotten lost in the the mail there. Do you have an email that like, a printer at home that we could just email you the forms and you'd be able to print them and complete them and scan them back?\n\nThey might just not get there at the moment. So what we'll do is we'll email you the forms, and you can just print them and sign them and scan them back. That way, at least, we don't get lost in the mail again. So I'll get them to do that to the change of details form and then regards to your beneficiary forms there as well. Now in regards to your occupation, I know you did mention you're working at the Department of Veteran Affairs, but you didn't sort of give us too many details in regards to that.\n\nSo with that one there, what's your sort of title with your new role? Yeah. And then with that, are you working you said you work in an office there. Are you in the office full time? Do you sort of go to other people's houses?\n\nOr Yep. So 75% home and then 15 percent in office? Perfect. And then is it just sort of mental health counseling for veteran affairs? Yep.\n\nAnd then within regards to your qualification, I don't think we've ever had it previously listed, but did you do a diploma or a bachelor's? Or perfect. I'll just make a note of that. Thank you. And then as far as this role here, you've probably been doing that, what, like, six months now?\n\nYep. And this industry experience, how much do you have industry experience wise? Yeah. Just in the industry. Perfect.\n\nAnd then with that, are you working full time at this new role? So, like, thirty eight hours. Do you get sort of holidays and things like that as well still? Okay. No worries.\n\nAnd do you get superannuation with that contract work, or you have to pay your own? Okay. That's good. It probably is. I just didn't pull it up in front of me there.\n\nAnd do you know roughly roughly in regards to your income what you're on, like, in a gross amount? After tax? Perfect. And as far as, like, your expenditure versus your savings at the moment, do you know roughly what your outgoings versus what you're putting away are? So, like, on a weekly amount, like, do you break up your income to, like, sort of this goes to bills and this is how much I wanna be putting into savings sort of thing?\n\nYep. And as far as your expenditure, you're a little unsure of what your outgoings are each week? No problem. That's fine. And as far as additional contributions to superannuation or anything like that, is it something you've thought about?\n\nIs that something you wanna look at? Are you happy at the moment? Yep. Not a problem at all. And then within regards to your Assenant side, because it sounds like it has changed a little bit.\n\nI know you had the car worth around 18,000. Is that still the same car? And then do you know roughly what that car was worth when you bought it or what's worth at the moment? Let's say well, obviously, you're not gonna sell it anyway, so I'll just put the the purchase amount there. And as far as savings, given that you did receive inheritance and things like that as well, do you know roughly how much you do have in savings now?\n\nOkay. Yep. Perfect. And then as far as any other assets, liabilities, do you have anything else? Okay.\n\nNot a problem. And then as far as your health's been for the last twelve months, no unexpected changes or anything like that in regards to not something you should be concerned about or anything that you should probably get, like, a a check or anything just before canceling insurances is the reason I sort of asked. Yep. Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup. But if you're comfortable not doing that still and canceling your insurances, that's fine.\n\nBut it always sort of is just good practice. But given you are younger, there's probably nothing would come from it anyway, and you're sort of a rare for the risk, so that's fine. And as far as private health at the moment, have you got private health cover? Yeah. No.\n\nThat's fine. So within regards to that, you know, once you sort of turn 30 each year after that, like, it does increase in price as well, which is just something to be aware of if you did wanna potentially get in the future. It obviously does they add, like, a loading to it. That will stay there for ten years even if you take out a policy and continue to pay a policy. It's just something to be mindful of.\n\nWe obviously don't make recommendations in regards to general health insurances anyway. It's just something you should be aware of. But if you're comfortable sort of not having that and if your income were to you know, given that you are on that higher income amount as well, you might end up paying, like, a bit more in Medicare levy as well, just depending, on your take home pay, versus, like, if you did have the private health cover, if that makes sense. Yeah. No.\n\nThat that's perfectly fine. Yeah. So it's just important to note that, you know, if it's you're in an industry that you're sort of looking at increasing your your income there as well, you may be liable sort of additional Medicare levy costs given that you are sort of up over that 100,000 now as well. And in regards to estate planning matters, have you managed to sort of think about that, setting up a will, things like that as well? Yeah.\n\nNo. That's yep. Yep. And no problem. So, obviously, we're still gonna chase you up on the beneficiary forms for the non estate asset, which is your superannuation there.\n\nJust in the event that anything did happen because, otherwise, it does go to your will. Given that you don't really have any dependents that would sort of fall under this law anyway, it's likely to sort of you direct it to your will to be distributed through, like, a will just because, you know, if you wanna leave it to, you know, brothers, sisters, parents, things like that, they aren't sort of valid nominations unless you're caring for them in in some sort of way. But, yeah, that's just something to be to be mindful of there as well. Now in regards to a risk profile there is well, we just quickly do an updated one to make sure your risk tolerance is in line with what we've got you invested there, Lauren. So I'll I'll just ask a few questions here similar to what you've answered previously.\n\nBut you haven't made direct share investments since we last spoke? Yep. No. That's fine. And then in regards to inflation, obviously, the cost of living keeps going up.\n\nYou know, the fuel price just in the last few weeks has jumped by 40¢, so that's a bit rough. But are you still willing to take on a moderate amount of risk to try and outpace inflation and get a return in your superannuation? You're comfortable, like, with that sort of moderate risk for moderate returns at the moment? Yes. So given your age there as well, Lauren, because you are on the younger side of things, you've got, like, twenty seven years before you could even access the money if you wanted to, which is a long time to be invested.\n\nAnd over that period of time, like, generally, it doesn't matter what types of investment you choose, it will end up higher above them. And given if you have a higher allocation to growth assets and holding it for that longer period of time, when it does take a bit of dip in times like, you know, now when there is a war, It's just you have the time to recover from those dips even like the GFC a few years","paragraphs":[{"sentences":[{"text":"Hi, Lauren.","start":7.04,"end":7.68,"sentiment":"neutral","sentiment_score":0.07210338488221169},{"text":"This is Kyle calling from OP Financial.","start":7.68,"end":9.679999,"sentiment":"neutral","sentiment_score":0.0898931697010994},{"text":"This is in regards to your scheduled booking.","start":9.679999,"end":11.94,"sentiment":"neutral","sentiment_score":0.10794272925704718},{"text":"Hi, Lauren.","start":24.27,"end":24.91,"sentiment":"neutral","sentiment_score":0.1900029554963112},{"text":"It's Kyle from Oakview.","start":24.91,"end":26.19,"sentiment":"neutral","sentiment_score":0.18965139240026474}],"sentiment":"neutral","sentiment_score":0.12067879444879034,"num_words":23,"start":7.04,"end":26.19},{"sentences":[{"text":"How are you today?","start":26.19,"end":27.09,"sentiment":"neutral","sentiment_score":0.24508926644921303},{"text":"No.","start":32.510002,"end":32.67,"sentiment":"neutral","sentiment_score":-0.039985496550798416},{"text":"That's perfectly fine.","start":32.67,"end":34.05,"sentiment":"neutral","sentiment_score":0.11791894709070523},{"text":"Are you still happy to have the conversation now?","start":34.43,"end":36.645,"sentiment":"neutral","sentiment_score":0.21397381855381858},{"text":"Not a pro yeah.","start":39.605,"end":47.125,"sentiment":"neutral","sentiment_score":-0.08103336673229933}],"sentiment":"neutral","sentiment_score":0.13789330050349236,"num_words":21,"start":26.19,"end":47.125},{"sentences":[{"text":"Not a problem.","start":47.125,"end":47.765,"sentiment":"neutral","sentiment_score":0.12183841566244762},{"text":"Just to discuss that one, Lauren, if I could just pass you through Secure with that name, date of birth, and current address.","start":47.765,"end":53.129997,"sentiment":"neutral","sentiment_score":0.08322681842938713},{"text":"Thank you.","start":53.129997,"end":53.789997,"sentiment":"neutral","sentiment_score":0.21281810849905014},{"text":"Perfect.","start":64.345,"end":64.665,"sentiment":"positive","sentiment_score":0.46939581632614136},{"text":"Thank you for that one.","start":64.665,"end":65.805,"sentiment":"positive","sentiment_score":0.4582766890525818}],"sentiment":"neutral","sentiment_score":0.1607690455720705,"num_words":34,"start":47.125,"end":65.805},{"sentences":[{"text":"Now in regards to that one, could you do hold that policy for the income protection?","start":66.905,"end":73.245,"sentiment":"neutral","sentiment_score":0.034282521926797926},{"text":"Is that the one you were looking to remove?","start":73.785,"end":76.285,"sentiment":"neutral","sentiment_score":-0.021479162697990734},{"text":"Yeah.","start":101.66,"end":101.98,"sentiment":"neutral","sentiment_score":-0.16412800550460815},{"text":"Because it is obviously the risk you run.","start":101.98,"end":103.9,"sentiment":"neutral","sentiment_score":-0.29917264357209206},{"text":"So like you you said, sort of, given that you don't have a huge amount of debts or anything like that, it's mainly for an event that you couldn't work, like, your normal sort of occupation, there's a chance you'd be able to claim on that income protection policy, which is all the way to the age of 65.","start":103.9,"end":119.784996,"sentiment":"neutral","sentiment_score":-0.216797388206094}],"sentiment":"neutral","sentiment_score":-0.16121878679240903,"num_words":93,"start":66.905,"end":119.784996},{"sentences":[{"text":"So you are unable to work.","start":119.784996,"end":120.98499,"sentiment":"neutral","sentiment_score":-0.29007747521003086},{"text":"That's what you sort of the benefit and risk mitigation you're paying to, the fact that if something were to happen, if you were to make a successful claim that you are covered and you would have that level of income, although you may have some form of, like, yeah, savings for now, but if you that was to go on for, like, a significant period of time, say, like, broken back, things like that, that's what that policy would sorta cover for.","start":120.98499,"end":141.645,"sentiment":"neutral","sentiment_score":0.2500755118138819},{"text":"And then you're right.","start":141.88501,"end":142.685,"sentiment":"neutral","sentiment_score":0.27818174846470356},{"text":"And so the total premium would be around a thousand dollars, but that is paid out of your your superannuation for that income protection, if that makes sense.","start":142.685,"end":149.825,"sentiment":"neutral","sentiment_score":0.2756250551236527},{"text":"Yep.","start":161.18001,"end":161.68001,"sentiment":"neutral","sentiment_score":0.01753949746489525}],"sentiment":"neutral","sentiment_score":0.22838992347604917,"num_words":122,"start":119.784996,"end":161.68001},{"sentences":[{"text":"Yep.","start":173.195,"end":173.695,"sentiment":"neutral","sentiment_score":0.08788558095693588},{"text":"Yeah.","start":174.955,"end":175.195,"sentiment":"neutral","sentiment_score":0.03128337860107422},{"text":"No.","start":175.195,"end":175.355,"sentiment":"neutral","sentiment_score":-0.1319604516029358},{"text":"That's fine.","start":175.355,"end":176.075,"sentiment":"neutral","sentiment_score":-0.001686704345047474},{"text":"Obviously, the risk in regards to that one is, obviously, when you're younger, like, you don't really have any health issues.","start":176.075,"end":181.26999,"sentiment":"neutral","sentiment_score":-0.17530794796489535}],"sentiment":"neutral","sentiment_score":-0.14221660799991626,"num_words":26,"start":173.195,"end":181.26999},{"sentences":[{"text":"If anything was to arise sorta down the track, it may end up being an exclusion on a newer policy.","start":181.26999,"end":186.40999,"sentiment":"negative","sentiment_score":-0.391079843044281},{"text":"In addition to that one, you would have to go through underwriting to skin your policy.","start":186.70999,"end":189.98999,"sentiment":"neutral","sentiment_score":-0.23581043118610978},{"text":"So if you're comfortable, you know, being self insured and the risk of not having insurance and canceling your insurance, that's more than fine.","start":189.98999,"end":197.045,"sentiment":"neutral","sentiment_score":-0.0884710906248074},{"text":"In regards to everything else that you aren't due for that annual review, I know sort of towards the end, Lendly, last year did sort of come up, but we just didn't have a chance to discuss it when we last had a conversation.","start":199.425,"end":209.125,"sentiment":"neutral","sentiment_score":0.012915810443122278},{"text":"Would you have time to run through just a quick update there in regards to everything for your annual review?","start":209.84999,"end":215.31,"sentiment":"neutral","sentiment_score":0.04865903481841087}],"sentiment":"neutral","sentiment_score":-0.09819672241123513,"num_words":124,"start":181.26999,"end":215.31},{"sentences":[{"text":"Yeah.","start":221.625,"end":221.86499,"sentiment":"neutral","sentiment_score":-0.03980363160371781},{"text":"It's a little bit muffled, but as long as you're fine, that's more than fine.","start":221.86499,"end":224.92499,"sentiment":"neutral","sentiment_score":0.07393537859121958},{"text":"Yeah.","start":228.825,"end":229.14499,"sentiment":"neutral","sentiment_score":0.11111241579055786},{"text":"Not a problem.","start":229.14499,"end":229.70499,"sentiment":"neutral","sentiment_score":0.2238441507021586},{"text":"Well, I will just run through and just confirm a few details in regards to your sort of life circumstances.","start":229.70499,"end":237.84001,"sentiment":"neutral","sentiment_score":0.1502547889947891}],"sentiment":"neutral","sentiment_score":0.1214241923764348,"num_words":40,"start":221.625,"end":237.84001},{"sentences":[{"text":"Because I know you did change roles as well with the department there of veteran affairs.","start":237.84001,"end":242.18001,"sentiment":"neutral","sentiment_score":0.09266091603785753},{"text":"So I'll just confirm a few things here.","start":243.92001,"end":245.68001,"sentiment":"neutral","sentiment_score":0.14762386120855808},{"text":"So in regards to your email, is it still iCourtneyt27@Gmail.com?","start":245.68001,"end":250.035,"sentiment":"neutral","sentiment_score":0.0462526036426425},{"text":"Oh, l Courtney.","start":251.955,"end":252.835,"sentiment":"neutral","sentiment_score":-0.004427170691390832},{"text":"Sorry.","start":252.835,"end":253.155,"sentiment":"neutral","sentiment_score":-0.036864057183265686}],"sentiment":"neutral","sentiment_score":0.08094594772218873,"num_words":38,"start":237.84001,"end":253.155},{"sentences":[{"text":"Yep.","start":253.155,"end":253.655,"sentiment":"neutral","sentiment_score":-0.0023577779065817595},{"text":"In regards to your details too since you last moved as well, I don't believe you completed the change of details form that we did send out in regards to changing your updated details.","start":254.27501,"end":267.82,"sentiment":"neutral","sentiment_score":-0.08270994277999681},{"text":"Let me just double check and see.","start":267.82,"end":271.76,"sentiment":"neutral","sentiment_score":-0.037011533443416865},{"text":"Because I believe we updated the the email address, but the number might be slightly different.","start":281.515,"end":287.67502,"sentiment":"neutral","sentiment_score":-0.06385561753995717},{"text":"Let me just that's the beneficiary form.","start":287.67502,"end":294.88998,"sentiment":"neutral","sentiment_score":0.0008757574749844414}],"sentiment":"neutral","sentiment_score":-0.06290978684376639,"num_words":65,"start":253.155,"end":294.88998},{"sentences":[{"text":"So within regards to the number we've got, obviously, the number of calls you want, which ends in 287.","start":294.88998,"end":300.81,"sentiment":"neutral","sentiment_score":0.019675080615438913},{"text":"But on your account, you have your old number of 900.","start":300.81,"end":304.27002,"sentiment":"neutral","sentiment_score":-0.025830107550560075},{"text":"So that was what that form was in regards.","start":305.85498,"end":307.85498,"sentiment":"neutral","sentiment_score":0.016893315853344068},{"text":"So I can get them to resend that, but the obviously, updating the phone number, that's used for, like, security update purposes if you weren't able to access your account.","start":307.85498,"end":315.215,"sentiment":"neutral","sentiment_score":0.04036611666282018},{"text":"That in regards to that in your email, which you do need to complete a change of details form for a number.","start":315.215,"end":320.88,"sentiment":"neutral","sentiment_score":0.03735917789692229}],"sentiment":"neutral","sentiment_score":0.024995830823452428,"num_words":91,"start":294.88998,"end":320.88},{"sentences":[{"text":"We obviously updated the the address, but their number has to be updated through that.","start":320.88,"end":325.36002,"sentiment":"neutral","sentiment_score":0.0558341716726621},{"text":"And then you're correct in regards to the beneficiary forms there as well are outstanding.","start":325.36002,"end":329.06,"sentiment":"neutral","sentiment_score":0.11218181898196539},{"text":"But we'll get those, yeah, we'll get those Oh, okay.","start":329.92,"end":334.505,"sentiment":"neutral","sentiment_score":-0.030681480094790457},{"text":"If you yeah.","start":340.085,"end":342.16498,"sentiment":"neutral","sentiment_score":-0.004323073973258336},{"text":"There isn't one on the account.","start":342.16498,"end":343.365,"sentiment":"neutral","sentiment_score":-0.07642565915981929}],"sentiment":"neutral","sentiment_score":0.035549017999853404,"num_words":49,"start":320.88,"end":343.365},{"sentences":[{"text":"I believe we received them.","start":343.365,"end":344.405,"sentiment":"neutral","sentiment_score":0.006459321826696396},{"text":"Did you send them back via email or through the post?","start":344.405,"end":351.5,"sentiment":"neutral","sentiment_score":0.013256225057623604},{"text":"Okay.","start":351.96,"end":352.36002,"sentiment":"neutral","sentiment_score":-0.05731186643242836},{"text":"They might have gotten lost in the the mail there.","start":352.36002,"end":355.48,"sentiment":"negative","sentiment_score":-0.4106211602687836},{"text":"Do you have an email that like, a printer at home that we could just email you the forms and you'd be able to print them and complete them and scan them back?","start":355.48,"end":362.355,"sentiment":"neutral","sentiment_score":0.03212005024154981}],"sentiment":"neutral","sentiment_score":-0.04875744543969631,"num_words":60,"start":343.365,"end":362.355},{"sentences":[{"text":"They might just not get there at the moment.","start":375.01,"end":376.69,"sentiment":"neutral","sentiment_score":-0.1618561620513598},{"text":"So what we'll do is we'll email you the forms, and you can just print them and sign them and scan them back.","start":376.69,"end":381.33,"sentiment":"neutral","sentiment_score":0.20355208347673},{"text":"That way, at least, we don't get lost in the mail again.","start":381.33,"end":384.07,"sentiment":"neutral","sentiment_score":0.16539955014983812},{"text":"So I'll get them to do that to the change of details form and then regards to your beneficiary forms there as well.","start":385.25,"end":391.16498,"sentiment":"neutral","sentiment_score":0.2053512665240661},{"text":"Now in regards to your occupation, I know you did mention you're working at the Department of Veteran Affairs, but you didn't sort of give us too many details in regards to that.","start":391.785,"end":399.38498,"sentiment":"neutral","sentiment_score":-0.09635434948811025}],"sentiment":"neutral","sentiment_score":0.06753172660246491,"num_words":100,"start":375.01,"end":399.38498},{"sentences":[{"text":"So with that one there, what's your sort of title with your new role?","start":399.38498,"end":405.03,"sentiment":"neutral","sentiment_score":0.027985097973474433},{"text":"Yeah.","start":411.43,"end":411.75,"sentiment":"neutral","sentiment_score":0.04671066254377365},{"text":"And then with that, are you working you said you work in an office there.","start":411.75,"end":414.95,"sentiment":"neutral","sentiment_score":0.018255834157268207},{"text":"Are you in the office full time?","start":414.95,"end":416.31,"sentiment":"neutral","sentiment_score":0.011466158021773611},{"text":"Do you sort of go to other people's houses?","start":416.31,"end":418.41,"sentiment":"neutral","sentiment_score":-0.0014987487035493055}],"sentiment":"neutral","sentiment_score":0.016937259007650224,"num_words":46,"start":399.38498,"end":418.41},{"sentences":[{"text":"Or Yep.","start":418.47,"end":432.26,"sentiment":"neutral","sentiment_score":0.04441661201417446},{"text":"So 75% home and then 15 percent in office?","start":432.26,"end":435.88,"sentiment":"neutral","sentiment_score":0.09344915176431338},{"text":"Perfect.","start":439.30002,"end":439.80002,"sentiment":"positive","sentiment_score":0.5379676818847656},{"text":"And then is it just sort of mental health counseling for veteran affairs?","start":440.18002,"end":443.72,"sentiment":"neutral","sentiment_score":0.14605323397196257},{"text":"Yep.","start":458.26,"end":458.76,"sentiment":"neutral","sentiment_score":0.07403891533613205}],"sentiment":"neutral","sentiment_score":0.13232977802936846,"num_words":26,"start":418.47,"end":458.76},{"sentences":[{"text":"And then within regards to your qualification, I don't think we've ever had it previously listed, but did you do a diploma or a bachelor's?","start":459.78,"end":468.36002,"sentiment":"neutral","sentiment_score":0.026049392111599446},{"text":"Or perfect.","start":468.5,"end":473.98502,"sentiment":"neutral","sentiment_score":0.2723504360765219},{"text":"I'll just make a note of that.","start":473.98502,"end":475.105,"sentiment":"positive","sentiment_score":0.4694389019693647},{"text":"Thank you.","start":475.105,"end":475.765,"sentiment":"positive","sentiment_score":0.5756081938743591},{"text":"And then as far as this role here, you've probably been doing that, what, like, six months now?","start":476.86502,"end":481.125,"sentiment":"neutral","sentiment_score":0.05300611423121558}],"sentiment":"neutral","sentiment_score":0.12198767467850337,"num_words":54,"start":459.78,"end":481.125},{"sentences":[{"text":"Yep.","start":482.85,"end":483.17,"sentiment":"neutral","sentiment_score":0.0496390275657177},{"text":"And this industry experience, how much do you have industry experience wise?","start":483.17,"end":486.47,"sentiment":"neutral","sentiment_score":0.02615013423686226},{"text":"Yeah.","start":488.37003,"end":488.69,"sentiment":"neutral","sentiment_score":0.03305072337388992},{"text":"Just in the industry.","start":488.69,"end":489.75,"sentiment":"neutral","sentiment_score":0.028540812898427248},{"text":"Perfect.","start":498.145,"end":498.645,"sentiment":"neutral","sentiment_score":0.2410864531993866}],"sentiment":"neutral","sentiment_score":0.039565319293423704,"num_words":19,"start":482.85,"end":498.645},{"sentences":[{"text":"And then with that, are you working full time at this new role?","start":499.025,"end":502.485,"sentiment":"neutral","sentiment_score":0.03843682832442797},{"text":"So, like, thirty eight hours.","start":518.015,"end":519.215,"sentiment":"neutral","sentiment_score":0.046183045208454135},{"text":"Do you get sort of holidays and things like that as well still?","start":519.215,"end":522.67505,"sentiment":"neutral","sentiment_score":0.031049723665301617},{"text":"Okay.","start":529.05505,"end":529.55505,"sentiment":"neutral","sentiment_score":0.04709944128990173},{"text":"No worries.","start":529.88,"end":530.54,"sentiment":"neutral","sentiment_score":0.045177205465734005}],"sentiment":"neutral","sentiment_score":0.0374027721802978,"num_words":34,"start":499.025,"end":530.54},{"sentences":[{"text":"And do you get superannuation with that contract work, or you have to pay your own?","start":531.16,"end":535.74,"sentiment":"neutral","sentiment_score":0.001639845664612949},{"text":"Okay.","start":538.6,"end":539.0,"sentiment":"neutral","sentiment_score":0.29845693707466125},{"text":"That's good.","start":539.0,"end":539.74,"sentiment":"positive","sentiment_score":0.5396862626075745},{"text":"It probably is.","start":541.08,"end":541.72,"sentiment":"neutral","sentiment_score":0.12041886895895004},{"text":"I just didn't pull it up in front of me there.","start":541.72,"end":543.82,"sentiment":"neutral","sentiment_score":-0.01328319954601201}],"sentiment":"neutral","sentiment_score":0.0490669213574041,"num_words":33,"start":531.16,"end":543.82},{"sentences":[{"text":"And do you know roughly roughly in regards to your income what you're on, like, in a gross amount?","start":543.88,"end":547.90497,"sentiment":"neutral","sentiment_score":0.10031245609647349},{"text":"After tax?","start":561.89996,"end":562.72,"sentiment":"neutral","sentiment_score":-0.0005194207187741995},{"text":"Perfect.","start":569.675,"end":570.175,"sentiment":"positive","sentiment_score":0.5742055177688599},{"text":"And as far as, like, your expenditure versus your savings at the moment, do you know roughly what your outgoings versus what you're putting away are?","start":571.275,"end":577.135,"sentiment":"neutral","sentiment_score":0.0924173858589851},{"text":"So, like, on a weekly amount, like, do you break up your income to, like, sort of this goes to bills and this is how much I wanna be putting into savings sort of thing?","start":583.53,"end":590.99,"sentiment":"neutral","sentiment_score":0.0406180847968374}],"sentiment":"neutral","sentiment_score":0.07594684749864132,"num_words":83,"start":543.88,"end":590.99},{"sentences":[{"text":"Yep.","start":598.34503,"end":598.84503,"sentiment":"neutral","sentiment_score":-0.01228740345686674},{"text":"And as far as your expenditure, you're a little unsure of what your outgoings are each week?","start":599.30505,"end":603.325,"sentiment":"neutral","sentiment_score":-0.07940777391195297},{"text":"No problem.","start":605.8,"end":606.27997,"sentiment":"neutral","sentiment_score":0.09578937664628029},{"text":"That's fine.","start":606.27997,"end":606.92,"sentiment":"neutral","sentiment_score":0.19081346690654755},{"text":"And as far as additional contributions to superannuation or anything like that, is it something you've thought about?","start":606.92,"end":610.76,"sentiment":"neutral","sentiment_score":0.08568569603893492}],"sentiment":"neutral","sentiment_score":0.018833216396160424,"num_words":40,"start":598.34503,"end":610.76},{"sentences":[{"text":"Is that something you wanna look at?","start":610.76,"end":611.8,"sentiment":"neutral","sentiment_score":0.07425908265369278},{"text":"Are you happy at the moment?","start":611.8,"end":613.5,"sentiment":"neutral","sentiment_score":0.04530095557371775},{"text":"Yep.","start":618.695,"end":618.935,"sentiment":"neutral","sentiment_score":0.10424166172742844},{"text":"Not a problem at all.","start":618.935,"end":620.395,"sentiment":"neutral","sentiment_score":0.15203046947717666},{"text":"And then within regards to your Assenant side, because it sounds like it has changed a little bit.","start":621.575,"end":625.575,"sentiment":"neutral","sentiment_score":-0.002742618943254153}],"sentiment":"neutral","sentiment_score":0.043422869733861974,"num_words":37,"start":610.76,"end":625.575},{"sentences":[{"text":"I know you had the car worth around 18,000.","start":625.575,"end":627.65497,"sentiment":"neutral","sentiment_score":-0.014232270419597626},{"text":"Is that still the same car?","start":627.65497,"end":629.115,"sentiment":"neutral","sentiment_score":-0.03912112613519033},{"text":"And then do you know roughly what that car was worth when you bought it or what's worth at the moment?","start":648.21497,"end":652.075,"sentiment":"neutral","sentiment_score":-0.0007824069997739222},{"text":"Let's say well, obviously, you're not gonna sell it anyway, so I'll just put the the purchase amount there.","start":660.87,"end":665.705,"sentiment":"neutral","sentiment_score":-0.048729888408591875},{"text":"And as far as savings, given that you did receive inheritance and things like that as well, do you know roughly how much you do have in savings now?","start":665.765,"end":671.865,"sentiment":"neutral","sentiment_score":0.06752660587943833}],"sentiment":"neutral","sentiment_score":0.007775666109020156,"num_words":84,"start":625.575,"end":671.865},{"sentences":[{"text":"Okay.","start":674.005,"end":674.505,"sentiment":"neutral","sentiment_score":0.002019144594669342},{"text":"Yep.","start":678.18,"end":678.68,"sentiment":"neutral","sentiment_score":0.026124250143766403},{"text":"Perfect.","start":696.035,"end":696.535,"sentiment":"positive","sentiment_score":0.61827552318573},{"text":"And then as far as any other assets, liabilities, do you have anything else?","start":696.915,"end":700.535,"sentiment":"neutral","sentiment_score":0.1535241369690214},{"text":"Okay.","start":713.25,"end":713.73,"sentiment":"neutral","sentiment_score":0.12793760001659393}],"sentiment":"neutral","sentiment_score":0.16242746863928106,"num_words":18,"start":674.005,"end":713.73},{"sentences":[{"text":"Not a problem.","start":713.73,"end":714.55,"sentiment":"neutral","sentiment_score":0.15585247675577799},{"text":"And then as far as your health's been for the last twelve months, no unexpected changes or anything like that in regards to not something you should be concerned about or anything that you should probably get, like, a a check or anything just before canceling insurances is the reason I sort of asked.","start":715.025,"end":730.92,"sentiment":"neutral","sentiment_score":-0.06603401092191537},{"text":"Yep.","start":735.72,"end":736.22,"sentiment":"neutral","sentiment_score":0.08032410591840744},{"text":"Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup.","start":736.27997,"end":743.24,"sentiment":"neutral","sentiment_score":0.03941189184784889},{"text":"But if you're comfortable not doing that still and canceling your insurances, that's fine.","start":743.24,"end":747.85504,"sentiment":"neutral","sentiment_score":0.05668750086000988}],"sentiment":"neutral","sentiment_score":-0.012773533457333279,"num_words":97,"start":713.73,"end":747.85504},{"sentences":[{"text":"But it always sort of is just good practice.","start":748.79504,"end":750.635,"sentiment":"neutral","sentiment_score":0.2265332473648919},{"text":"But given you are younger, there's probably nothing would come from it anyway, and you're sort of a rare for the risk, so that's fine.","start":750.635,"end":756.09503,"sentiment":"neutral","sentiment_score":-0.036717628091573716},{"text":"And as far as private health at the moment, have you got private health cover?","start":756.715,"end":760.09503,"sentiment":"neutral","sentiment_score":-0.004229950904846192},{"text":"Yeah.","start":779.67505,"end":779.99506,"sentiment":"neutral","sentiment_score":-0.03540976345539093},{"text":"No.","start":779.99506,"end":780.155,"sentiment":"neutral","sentiment_score":-0.03747843950986862}],"sentiment":"neutral","sentiment_score":0.01930433445993592,"num_words":51,"start":748.79504,"end":780.155},{"sentences":[{"text":"That's fine.","start":780.155,"end":780.97504,"sentiment":"neutral","sentiment_score":0.1341964602470398},{"text":"So within regards to that, you know, once you sort of turn 30 each year after that, like, it does increase in price as well, which is just something to be aware of if you did wanna potentially get in the future.","start":781.03503,"end":789.82996,"sentiment":"neutral","sentiment_score":-0.038419448460141815},{"text":"It obviously does they add, like, a loading to it.","start":789.82996,"end":792.38995,"sentiment":"neutral","sentiment_score":0.0440535731613636},{"text":"That will stay there for ten years even if you take out a policy and continue to pay a policy.","start":792.38995,"end":795.99,"sentiment":"neutral","sentiment_score":-0.036531766317784785},{"text":"It's just something to be mindful of.","start":795.99,"end":797.325,"sentiment":"neutral","sentiment_score":-0.0774772624884333}],"sentiment":"neutral","sentiment_score":-0.026884745024604563,"num_words":81,"start":780.155,"end":797.325},{"sentences":[{"text":"We obviously don't make recommendations in regards to general health insurances anyway.","start":797.405,"end":801.425,"sentiment":"neutral","sentiment_score":-0.25656768803795177},{"text":"It's just something you should be aware of.","start":801.485,"end":803.645,"sentiment":"neutral","sentiment_score":-0.1785474643111229},{"text":"But if you're comfortable sort of not having that and if your income were to you know, given that you are on that higher income amount as well, you might end up paying, like, a bit more in Medicare levy as well, just depending, on your take home pay, versus, like, if you did have the private health cover, if that makes sense.","start":803.645,"end":820.96,"sentiment":"neutral","sentiment_score":-0.14458361007864512},{"text":"Yeah.","start":825.435,"end":825.755,"sentiment":"neutral","sentiment_score":-0.020921779796481133},{"text":"No.","start":825.755,"end":825.995,"sentiment":"neutral","sentiment_score":-0.08914156258106232}],"sentiment":"neutral","sentiment_score":-0.1614826205679599,"num_words":85,"start":797.405,"end":825.995},{"sentences":[{"text":"That that's perfectly fine.","start":825.995,"end":827.535,"sentiment":"neutral","sentiment_score":-0.004735271446406841},{"text":"Yeah.","start":830.15497,"end":830.39496,"sentiment":"neutral","sentiment_score":0.0674445629119873},{"text":"So it's just important to note that, you know, if it's you're in an industry that you're sort of looking at increasing your your income there as well, you may be liable sort of additional Medicare levy costs given that you are sort of up over that 100,000 now as well.","start":830.39496,"end":846.5,"sentiment":"neutral","sentiment_score":-0.09670910443745408},{"text":"And in regards to estate planning matters, have you managed to sort of think about that, setting up a will, things like that as well?","start":848.895,"end":856.115,"sentiment":"neutral","sentiment_score":0.010270507857203483},{"text":"Yeah.","start":859.53503,"end":860.03503,"sentiment":"neutral","sentiment_score":-0.1059497818350792}],"sentiment":"neutral","sentiment_score":-0.05771765773888768,"num_words":82,"start":825.995,"end":860.03503},{"sentences":[{"text":"No.","start":860.415,"end":860.575,"sentiment":"neutral","sentiment_score":-0.1521020531654358},{"text":"That's yep.","start":860.575,"end":866.04,"sentiment":"neutral","sentiment_score":0.02687685564160347},{"text":"Yep.","start":868.18,"end":868.58,"sentiment":"neutral","sentiment_score":0.19101636111736295},{"text":"And no problem.","start":868.58,"end":869.38,"sentiment":"neutral","sentiment_score":0.27013860642910004},{"text":"So, obviously, we're still gonna chase you up on the beneficiary forms for the non estate asset, which is your superannuation there.","start":869.38,"end":875.505,"sentiment":"neutral","sentiment_score":0.20060023597695611}],"sentiment":"neutral","sentiment_score":0.18332031137984375,"num_words":29,"start":860.415,"end":875.505},{"sentences":[{"text":"Just in the event that anything did happen because, otherwise, it does go to your will.","start":875.585,"end":878.945,"sentiment":"neutral","sentiment_score":0.16153891943395138},{"text":"Given that you don't really have any dependents that would sort of fall under this law anyway, it's likely to sort of you direct it to your will to be distributed through, like, a will just because, you know, if you wanna leave it to, you know, brothers, sisters, parents, things like that, they aren't sort of valid nominations unless you're caring for them in in some sort of way.","start":878.945,"end":898.97003,"sentiment":"neutral","sentiment_score":0.045964337645896844},{"text":"But, yeah, that's just something to be to be mindful of there as well.","start":899.59,"end":903.69,"sentiment":"neutral","sentiment_score":-0.025393215141126087},{"text":"Now in regards to a risk profile there is well, we just quickly do an updated one to make sure your risk tolerance is in line with what we've got you invested there, Lauren.","start":905.625,"end":913.545,"sentiment":"neutral","sentiment_score":0.07295017755206894},{"text":"So I'll I'll just ask a few questions here similar to what you've answered previously.","start":913.545,"end":918.665,"sentiment":"neutral","sentiment_score":0.08925547550121943}],"sentiment":"neutral","sentiment_score":0.062186305392408533,"num_words":149,"start":875.585,"end":918.665},{"sentences":[{"text":"But you haven't made direct share investments since we last spoke?","start":918.665,"end":921.99,"sentiment":"neutral","sentiment_score":-0.03519217449833046},{"text":"Yep.","start":924.29,"end":924.61,"sentiment":"neutral","sentiment_score":-0.07495201379060745},{"text":"No.","start":924.61,"end":924.85,"sentiment":"neutral","sentiment_score":-0.2054443806409836},{"text":"That's fine.","start":924.85,"end":925.51,"sentiment":"neutral","sentiment_score":0.016189306974411007},{"text":"And then in regards to inflation, obviously, the cost of living keeps going up.","start":925.89,"end":929.01,"sentiment":"neutral","sentiment_score":-0.16960487301860536}],"sentiment":"neutral","sentiment_score":-0.10377930766292687,"num_words":29,"start":918.665,"end":929.01},{"sentences":[{"text":"You know, the fuel price just in the last few weeks has jumped by 40¢, so that's a bit rough.","start":929.01,"end":932.77,"sentiment":"neutral","sentiment_score":-0.19522332674578616},{"text":"But are you still willing to take on a moderate amount of risk to try and outpace inflation and get a return in your superannuation?","start":932.77,"end":939.33496,"sentiment":"neutral","sentiment_score":0.08816959410905838},{"text":"You're comfortable, like, with that sort of moderate risk for moderate returns at the moment?","start":939.475,"end":942.935,"sentiment":"neutral","sentiment_score":0.22582456668217976},{"text":"Yes.","start":947.33,"end":947.73,"sentiment":"neutral","sentiment_score":-0.10420535504817964},{"text":"So given your age there as well, Lauren, because you are on the younger side of things, you've got, like, twenty seven years before you could even access the money if you wanted to, which is a long time to be invested.","start":947.73,"end":956.79,"sentiment":"neutral","sentiment_score":0.025572832851182847}],"sentiment":"neutral","sentiment_score":0.027962929112654106,"num_words":103,"start":929.01,"end":956.79},{"sentences":[{"text":"And over that period of time, like, generally, it doesn't matter what types of investment you choose, it will end up higher above them.","start":957.09,"end":963.675,"sentiment":"neutral","sentiment_score":0.08331051437805097},{"text":"And given if you have a higher allocation to growth assets and holding it for that longer period of time, when it does take a bit of dip in times like, you know, now when there is a war, It's just you have the time to recover from those dips even like the GFC a few years","start":963.675,"end":977.39996,"sentiment":"neutral","sentiment_score":-0.029251066216251308}],"sentiment":"neutral","sentiment_score":0.0041005132190975145,"num_words":81,"start":957.09,"end":977.39996}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello? Not too bad. Sorry. I'm just walking dogs, so it's a bit windy. I apologize. Yeah. Yeah. That'd be good. Yeah. Thank you. Hopefully, it doesn't take long. It's just, yeah, to get out the health insurance or life insurance, if needed. Yeah. Sure. Lauren Courtney Thomas. I have my birthday, the 1993, and my current address is 10933. Yeah. Like, I just if anything were to happen to me, I think that, like, I'd have enough money now to kinda be able to live off anyway. So that's why I just feel like it's probably a bit of waste of money for me to be paying what was over a thousand bucks, I think, to have it on. So, yeah, that's that's mainly why. But, hopefully, nothing happens to me. But Yeah. Yep. Yes. Yeah. Yeah. No. That makes sense. No. It's all good. I'll still get rid of it. I just I've been thinking about it for a while. I just don't think it's I really need it. Like, I think it's just something that, yeah, I'm paying for. I've got, like, some inheritance that I've got recently and yeah. So I just think that it's probably best to I might put it back on later when I'm a bit older, but for now, I probably don't need it. Yep. Yep. Yeah. That's fine. If I can you still hear me? I'm just putting my phone in my bag. Can you still hear me like that? Yeah. Alright. Let me know if you need me to say something again. Yep. Yeah. Oh, Courtney. Yeah. Yep. That's still the same one. Yep. I thought I was I meant to. I think they got posted, and then I thought I did, but I might not have. I needed, like, a not a guarantor, but, like, I needed a witness or something. Is that that one? Yeah. Yep. Okay. Yeah. Oh, okay. I thought I did that. I'm sorry. Yeah. I don't know what happened there. Because I remember the witnessing thing. So I I don't know what happened there, but alright. No worries. Through the post is what I thought. No worries. Yeah. Yeah. So I'm in Brisbane still, but I'm in the office next week. So I'll be able to do it I'll be able to print them next week. Otherwise, I can give you the postal address of the place that I'm at in Brisbane. It's a mental health clinician is what the title is. No. So I work from home. Probably 75% of the time, I'd say. And, no, it's no home visits, which is good. It's just all phone work. Yep. Yeah. Yep. Yeah. So intakes and yeah. So kinda like suicide risk assessment, family violence risk assessment, crisis sort of stuff, but via the phone. I have a master's in social work. Yeah. Six months. Yep. From when I started? I've been a social worker. I've been in the field for ten years. This year? Well, they're full time hours, but at the moment, I'm, like, contracted. So it's shift work. It's over a twenty four hour roster. But they wanna they were we work the same hours as someone would expect full time. No. So we get paid more, but we don't get, like, annual leave or sick leave. No. No. Super is part of it. Should be going in there. Okay. Cool. So it changes every week, but I calculated it the other day. I think it should be around 111,000 a year, I think. But it's on average, 1,700 a week after tax. Yeah. It's about 3,500 or something before tax. Like, how much is in my savings? Or Not really. But I think I probably could've weighed out at least 500 a a week saving. Yeah. Yeah. Yeah. Yeah. That's not true. No. Just I'll just leave it as it is at the moment. No. I sold that car. I traded it in and bought a new car, and I paid off 10,000 up front. And then I had a loan for, like, I have a loan for about $20, and I paid $2.50 a fortnight for it. It was 45,000 when I bought it, And I'd say, I don't know, it's about six months old as well. Yeah. Well, I don't have it yet. So, basically, long story short, my parents are selling us a childhood home and but the house hasn't sold yet, but they're giving us a 100,000 from that sale to put towards our own place. So I have the 100,000 coming in, but outside of that, I've got 20,000 in my own savings. Just the car loan. Yeah. That's it. I pay 275 at the moment in rates a week. But that'll change then because I'm gonna move out and live by myself. No. No. Nothing I nothing at all that I can think of, to be honest. Yes. Yep. No. I looked at it, but, I mean, I'm seeing this video at the moment. So I looked at it briefly, but I don't even think that it's worth a full year of coverage. If with the limited amount that I go to the physio and dentist, I just yeah. So, yeah, I looked into it, but, no, I'm I don't have it. Yep. Anyway. No. Not. Not yet. Maybe first panel line, but not no will. Okay. Hopefully. Yep. Yeah. No. No. Yeah. Is that good? I don't know. I wouldn't have a clue, to be honest. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello?\n\nNot too bad. Sorry. I'm just walking dogs, so it's a bit windy. I apologize. Yeah.\n\nYeah. That'd be good. Yeah. Thank you. Hopefully, it doesn't take long.\n\nIt's just, yeah, to get out the health insurance or life insurance, if needed. Yeah. Sure. Lauren Courtney Thomas. I have my birthday, the 1993, and my current address is 10933.\n\nYeah. Like, I just if anything were to happen to me, I think that, like, I'd have enough money now to kinda be able to live off anyway. So that's why I just feel like it's probably a bit of waste of money for me to be paying what was over a thousand bucks, I think, to have it on. So, yeah, that's that's mainly why. But, hopefully, nothing happens to me.\n\nBut Yeah. Yep. Yes. Yeah. Yeah.\n\nNo. That makes sense. No. It's all good. I'll still get rid of it.\n\nI just I've been thinking about it for a while. I just don't think it's I really need it. Like, I think it's just something that, yeah, I'm paying for. I've got, like, some inheritance that I've got recently and yeah. So I just think that it's probably best to I might put it back on later when I'm a bit older, but for now, I probably don't need it.\n\nYep. Yep. Yeah. That's fine. If I can you still hear me?\n\nI'm just putting my phone in my bag. Can you still hear me like that? Yeah. Alright. Let me know if you need me to say something again.\n\nYep. Yeah. Oh, Courtney. Yeah. Yep.\n\nThat's still the same one. Yep. I thought I was I meant to. I think they got posted, and then I thought I did, but I might not have. I needed, like, a not a guarantor, but, like, I needed a witness or something.\n\nIs that that one? Yeah. Yep. Okay. Yeah.\n\nOh, okay. I thought I did that. I'm sorry. Yeah. I don't know what happened there.\n\nBecause I remember the witnessing thing. So I I don't know what happened there, but alright. No worries. Through the post is what I thought. No worries.\n\nYeah. Yeah. So I'm in Brisbane still, but I'm in the office next week. So I'll be able to do it I'll be able to print them next week. Otherwise, I can give you the postal address of the place that I'm at in Brisbane.\n\nIt's a mental health clinician is what the title is. No. So I work from home. Probably 75% of the time, I'd say. And, no, it's no home visits, which is good.\n\nIt's just all phone work. Yep. Yeah. Yep. Yeah.\n\nSo intakes and yeah. So kinda like suicide risk assessment, family violence risk assessment, crisis sort of stuff, but via the phone. I have a master's in social work. Yeah. Six months.\n\nYep. From when I started? I've been a social worker. I've been in the field for ten years. This year?\n\nWell, they're full time hours, but at the moment, I'm, like, contracted. So it's shift work. It's over a twenty four hour roster. But they wanna they were we work the same hours as someone would expect full time. No.\n\nSo we get paid more, but we don't get, like, annual leave or sick leave. No. No. Super is part of it. Should be going in there.\n\nOkay. Cool. So it changes every week, but I calculated it the other day. I think it should be around 111,000 a year, I think. But it's on average, 1,700 a week after tax.\n\nYeah. It's about 3,500 or something before tax. Like, how much is in my savings? Or Not really. But I think I probably could've weighed out at least 500 a a week saving.\n\nYeah. Yeah. Yeah. Yeah. That's not true.\n\nNo. Just I'll just leave it as it is at the moment. No. I sold that car. I traded it in and bought a new car, and I paid off 10,000 up front.\n\nAnd then I had a loan for, like, I have a loan for about $20, and I paid $2.50 a fortnight for it. It was 45,000 when I bought it, And I'd say, I don't know, it's about six months old as well. Yeah. Well, I don't have it yet. So, basically, long story short, my parents are selling us a childhood home and but the house hasn't sold yet, but they're giving us a 100,000 from that sale to put towards our own place.\n\nSo I have the 100,000 coming in, but outside of that, I've got 20,000 in my own savings. Just the car loan. Yeah. That's it. I pay 275 at the moment in rates a week.\n\nBut that'll change then because I'm gonna move out and live by myself. No. No. Nothing I nothing at all that I can think of, to be honest. Yes.\n\nYep. No. I looked at it, but, I mean, I'm seeing this video at the moment. So I looked at it briefly, but I don't even think that it's worth a full year of coverage. If with the limited amount that I go to the physio and dentist, I just yeah.\n\nSo, yeah, I looked into it, but, no, I'm I don't have it. Yep. Anyway. No. Not.\n\nNot yet. Maybe first panel line, but not no will. Okay. Hopefully. Yep.\n\nYeah. No. No. Yeah. Is that good?\n\nI don't know. I wouldn't have a clue, to be honest. Yep.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.32,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.03291860967874527},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.79999995,"end":5.22,"sentiment":"neutral","sentiment_score":0.027563533512875438},{"text":"Thanks.","start":17.095001,"end":17.595001,"sentiment":"positive","sentiment_score":0.4065527021884918},{"text":"Please stay on the line.","start":17.975,"end":19.595001,"sentiment":"neutral","sentiment_score":0.21837872564792632},{"text":"Hello?","start":22.775,"end":23.275,"sentiment":"neutral","sentiment_score":0.09273494780063628}],"sentiment":"neutral","sentiment_score":0.08604651767139633,"num_words":24,"start":0.32,"end":23.275},{"sentences":[{"text":"Not too bad.","start":27.494999,"end":28.135,"sentiment":"neutral","sentiment_score":0.007393386214971542},{"text":"Sorry.","start":28.135,"end":28.375,"sentiment":"neutral","sentiment_score":-0.09923207759857178},{"text":"I'm just walking dogs, so it's a bit windy.","start":28.375,"end":30.775,"sentiment":"neutral","sentiment_score":-0.1497030978401502},{"text":"I apologize.","start":30.775,"end":31.355,"sentiment":"neutral","sentiment_score":-0.11140689626336098},{"text":"Yeah.","start":37.04,"end":37.28,"sentiment":"neutral","sentiment_score":0.12742802500724792}],"sentiment":"neutral","sentiment_score":-0.09498534793965518,"num_words":16,"start":27.494999,"end":37.28},{"sentences":[{"text":"Yeah.","start":37.28,"end":37.44,"sentiment":"neutral","sentiment_score":0.17747856676578522},{"text":"That'd be good.","start":37.44,"end":38.08,"sentiment":"positive","sentiment_score":0.3433043261369069},{"text":"Yeah.","start":38.08,"end":38.4,"sentiment":"neutral","sentiment_score":0.2714146673679352},{"text":"Thank you.","start":38.4,"end":39.14,"sentiment":"positive","sentiment_score":0.3938123285770416},{"text":"Hopefully, it doesn't take long.","start":39.28,"end":40.64,"sentiment":"neutral","sentiment_score":0.00331539511680603}],"sentiment":"neutral","sentiment_score":0.19025065377354622,"num_words":12,"start":37.28,"end":40.64},{"sentences":[{"text":"It's just, yeah, to get out the health insurance or life insurance, if needed.","start":40.64,"end":53.695,"sentiment":"neutral","sentiment_score":0.0041573433471577504},{"text":"Yeah.","start":53.695,"end":54.095,"sentiment":"neutral","sentiment_score":0.060718294233083725},{"text":"Sure.","start":54.095,"end":54.415,"sentiment":"neutral","sentiment_score":0.04676556214690208},{"text":"Lauren Courtney Thomas.","start":54.415,"end":55.795002,"sentiment":"neutral","sentiment_score":0.03420088688532511},{"text":"I have my birthday, the 1993, and my current address is 10933.","start":55.855003,"end":62.63,"sentiment":"neutral","sentiment_score":0.04145594034343958}],"sentiment":"neutral","sentiment_score":0.024701955097336924,"num_words":31,"start":40.64,"end":62.63},{"sentences":[{"text":"Yeah.","start":77.125,"end":77.525,"sentiment":"neutral","sentiment_score":-0.1315518468618393},{"text":"Like, I just if anything were to happen to me, I think that, like, I'd have enough money now to kinda be able to live off anyway.","start":77.525,"end":86.18,"sentiment":"neutral","sentiment_score":-0.2683341872912866},{"text":"So that's why I just feel like it's probably a bit of waste of money for me to be paying what was over a thousand bucks, I think, to have it on.","start":86.18,"end":94.520004,"sentiment":"negative","sentiment_score":-0.4209853718057275},{"text":"So, yeah, that's that's mainly why.","start":95.78,"end":98.12,"sentiment":"neutral","sentiment_score":-0.19153702507416406},{"text":"But, hopefully, nothing happens to me.","start":98.26,"end":99.94,"sentiment":"neutral","sentiment_score":-0.2047460749745369}],"sentiment":"neutral","sentiment_score":-0.3225806305805842,"num_words":72,"start":77.125,"end":99.94},{"sentences":[{"text":"But Yeah.","start":99.94,"end":131.745,"sentiment":"neutral","sentiment_score":0.0284178853034973},{"text":"Yep.","start":131.745,"end":132.245,"sentiment":"neutral","sentiment_score":0.06008070707321167},{"text":"Yes.","start":142.225,"end":142.725,"sentiment":"neutral","sentiment_score":0.27695298194885254},{"text":"Yeah.","start":149.97,"end":150.37,"sentiment":"neutral","sentiment_score":0.08311983942985535},{"text":"Yeah.","start":150.37,"end":150.61,"sentiment":"neutral","sentiment_score":0.025360597297549248}],"sentiment":"neutral","sentiment_score":0.08372498272607724,"num_words":6,"start":99.94,"end":150.61},{"sentences":[{"text":"No.","start":150.61,"end":150.76999,"sentiment":"neutral","sentiment_score":-0.15606260299682617},{"text":"That makes sense.","start":150.76999,"end":151.67,"sentiment":"neutral","sentiment_score":-0.05833207567532856},{"text":"No.","start":151.89,"end":152.20999,"sentiment":"neutral","sentiment_score":-0.32032352685928345},{"text":"It's all good.","start":152.20999,"end":152.84999,"sentiment":"neutral","sentiment_score":-0.06733012944459915},{"text":"I'll still get rid of it.","start":152.84999,"end":153.81,"sentiment":"neutral","sentiment_score":-0.21005232880512872}],"sentiment":"neutral","sentiment_score":-0.15097762271761894,"num_words":14,"start":150.61,"end":153.81},{"sentences":[{"text":"I just I've been thinking about it for a while.","start":153.81,"end":155.89,"sentiment":"neutral","sentiment_score":-0.12879731133580208},{"text":"I just don't think it's I really need it.","start":155.89,"end":157.81,"sentiment":"negative","sentiment_score":-0.3766228258609772},{"text":"Like, I think it's just something that, yeah, I'm paying for.","start":157.81,"end":161.455,"sentiment":"neutral","sentiment_score":-0.19147898798639124},{"text":"I've got, like, some inheritance that I've got recently and yeah.","start":161.99501,"end":166.875,"sentiment":"neutral","sentiment_score":-0.006994460233148526},{"text":"So I just think that it's probably best to I might put it back on later when I'm a bit older, but for now, I probably don't need it.","start":166.875,"end":177.9,"sentiment":"neutral","sentiment_score":-0.0331292023946499}],"sentiment":"neutral","sentiment_score":-0.11173619065666571,"num_words":70,"start":153.81,"end":177.9},{"sentences":[{"text":"Yep.","start":187.475,"end":187.975,"sentiment":"neutral","sentiment_score":-0.1188945323228836},{"text":"Yep.","start":197.475,"end":197.975,"sentiment":"neutral","sentiment_score":-0.06654612720012665},{"text":"Yeah.","start":215.695,"end":216.095,"sentiment":"neutral","sentiment_score":0.1145745813846588},{"text":"That's fine.","start":216.095,"end":216.91501,"sentiment":"neutral","sentiment_score":0.2054228037595749},{"text":"If I can you still hear me?","start":217.05501,"end":218.49501,"sentiment":"neutral","sentiment_score":-0.009889485314488411}],"sentiment":"neutral","sentiment_score":0.02256276101494829,"num_words":12,"start":187.475,"end":218.49501},{"sentences":[{"text":"I'm just putting my phone in my bag.","start":218.49501,"end":219.85501,"sentiment":"neutral","sentiment_score":-0.07947445614263415},{"text":"Can you still hear me like that?","start":219.85501,"end":221.395,"sentiment":"neutral","sentiment_score":-0.050369923668248315},{"text":"Yeah.","start":222.655,"end":223.155,"sentiment":"neutral","sentiment_score":-0.024211619049310684},{"text":"Alright.","start":225.06001,"end":225.3,"sentiment":"neutral","sentiment_score":0.12431200593709946},{"text":"Let me know if you need me to say something 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one.","start":251.795,"end":253.02,"sentiment":"neutral","sentiment_score":-0.004178927280008794},{"text":"Yep.","start":253.58,"end":254.08,"sentiment":"neutral","sentiment_score":-0.0003846343606710434},{"text":"I thought I was I meant to.","start":271.775,"end":274.095,"sentiment":"neutral","sentiment_score":-0.1045211489711489},{"text":"I think they got posted, and then I thought I did, but I might not have.","start":274.095,"end":279.23502,"sentiment":"neutral","sentiment_score":-0.07595255761407316},{"text":"I needed, like, a not a guarantor, but, like, I needed a witness or something.","start":287.69,"end":291.55,"sentiment":"neutral","sentiment_score":-0.009034039514760176}],"sentiment":"neutral","sentiment_score":-0.047810882456939326,"num_words":44,"start":251.795,"end":291.55},{"sentences":[{"text":"Is that that one?","start":292.09,"end":293.23,"sentiment":"neutral","sentiment_score":0.018928831908851862},{"text":"Yeah.","start":295.37,"end":295.87,"sentiment":"neutral","sentiment_score":0.02255922369658947},{"text":"Yep.","start":304.905,"end":305.405,"sentiment":"neutral","sentiment_score":0.0421687476336956},{"text":"Okay.","start":323.26,"end":323.58,"sentiment":"neutral","sentiment_score":0.08710217475891113},{"text":"Yeah.","start":323.58,"end":324.08,"sentiment":"neutral","sentiment_score":0.028652479872107502}],"sentiment":"neutral","sentiment_score":0.032024744199588895,"num_words":8,"start":292.09,"end":324.08},{"sentences":[{"text":"Oh, okay.","start":330.405,"end":331.225,"sentiment":"neutral","sentiment_score":0.002599332481622697},{"text":"I thought I did that.","start":332.165,"end":333.125,"sentiment":"neutral","sentiment_score":-0.0903249017894268},{"text":"I'm sorry.","start":333.125,"end":333.765,"sentiment":"neutral","sentiment_score":-0.20076529681682587},{"text":"Yeah.","start":333.765,"end":334.005,"sentiment":"neutral","sentiment_score":-0.04904695600271225},{"text":"I don't know what happened there.","start":334.005,"end":335.125,"sentiment":"neutral","sentiment_score":-0.320784496764342}],"sentiment":"neutral","sentiment_score":-0.17635689838789403,"num_words":16,"start":330.405,"end":335.125},{"sentences":[{"text":"Because I remember the witnessing thing.","start":335.125,"end":336.725,"sentiment":"neutral","sentiment_score":-0.23600465804338455},{"text":"So I I don't know what happened there, but alright.","start":336.725,"end":340.245,"sentiment":"neutral","sentiment_score":-0.20641166027635335},{"text":"No worries.","start":340.245,"end":340.98502,"sentiment":"neutral","sentiment_score":-0.0014335326850414276},{"text":"Through the post is what I thought.","start":348.56,"end":350.5,"sentiment":"neutral","sentiment_score":-0.02839465545756476},{"text":"No worries.","start":350.72,"end":351.46,"sentiment":"neutral","sentiment_score":-0.0046269819140434265}],"sentiment":"neutral","sentiment_score":-0.13670474697870236,"num_words":27,"start":335.125,"end":351.46},{"sentences":[{"text":"Yeah.","start":362.215,"end":362.45502,"sentiment":"neutral","sentiment_score":0.046787284314632416},{"text":"Yeah.","start":362.45502,"end":362.775,"sentiment":"neutral","sentiment_score":0.06225205585360527},{"text":"So I'm in Brisbane still, but I'm in the office next week.","start":362.775,"end":366.215,"sentiment":"neutral","sentiment_score":0.059612816820542015},{"text":"So I'll be able to do it I'll be able to print them next week.","start":366.215,"end":368.615,"sentiment":"neutral","sentiment_score":0.14339062571525574},{"text":"Otherwise, I can give you the postal address of the place that I'm at in Brisbane.","start":368.615,"end":373.24,"sentiment":"neutral","sentiment_score":0.03611665265634656}],"sentiment":"neutral","sentiment_score":0.07895819933878051,"num_words":45,"start":362.215,"end":373.24},{"sentences":[{"text":"It's a mental health clinician is what the title is.","start":405.91998,"end":409.46,"sentiment":"neutral","sentiment_score":0.05956236813217401},{"text":"No.","start":419.57498,"end":419.815,"sentiment":"neutral","sentiment_score":-0.05247941240668297},{"text":"So I work from home.","start":419.815,"end":421.275,"sentiment":"neutral","sentiment_score":0.031759511679410934},{"text":"Probably 75% of the time, I'd say.","start":421.895,"end":426.475,"sentiment":"neutral","sentiment_score":0.09592537581920624},{"text":"And, no, it's no home visits, which is good.","start":427.975,"end":430.215,"sentiment":"neutral","sentiment_score":0.12041730019781324}],"sentiment":"neutral","sentiment_score":0.07678672374458984,"num_words":32,"start":405.91998,"end":430.215},{"sentences":[{"text":"It's just all phone work.","start":430.215,"end":431.595,"sentiment":"neutral","sentiment_score":0.13456231653690337},{"text":"Yep.","start":434.59,"end":435.09,"sentiment":"neutral","sentiment_score":0.08895397186279297},{"text":"Yeah.","start":436.19,"end":436.51,"sentiment":"neutral","sentiment_score":0.10761159658432008},{"text":"Yep.","start":436.51,"end":437.01,"sentiment":"neutral","sentiment_score":0.1756395697593689},{"text":"Yeah.","start":444.35,"end":444.66998,"sentiment":"neutral","sentiment_score":0.05612882226705551}],"sentiment":"neutral","sentiment_score":0.12234950479533938,"num_words":9,"start":430.215,"end":444.66998},{"sentences":[{"text":"So intakes and yeah.","start":444.66998,"end":446.99,"sentiment":"neutral","sentiment_score":0.04623963311314583},{"text":"So kinda like suicide risk assessment, family violence risk assessment, crisis sort of stuff, but via the phone.","start":446.99,"end":455.545,"sentiment":"neutral","sentiment_score":0.07902602913479011},{"text":"I have a master's in social work.","start":469.37,"end":471.31,"sentiment":"neutral","sentiment_score":0.041694492899945805},{"text":"Yeah.","start":481.44498,"end":481.76498,"sentiment":"neutral","sentiment_score":0.02326437272131443},{"text":"Six months.","start":481.76498,"end":482.245,"sentiment":"neutral","sentiment_score":0.01806233450770378}],"sentiment":"neutral","sentiment_score":0.06120867340359837,"num_words":32,"start":444.66998,"end":482.245},{"sentences":[{"text":"Yep.","start":482.245,"end":482.745,"sentiment":"neutral","sentiment_score":0.054496970027685165},{"text":"From when I 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roster.","start":509.035,"end":511.135,"sentiment":"neutral","sentiment_score":0.023385138317410434},{"text":"But they wanna they were we work the same hours as someone would expect full time.","start":512.715,"end":517.83,"sentiment":"neutral","sentiment_score":0.03719855914823711},{"text":"No.","start":523.17,"end":523.49,"sentiment":"neutral","sentiment_score":-0.10821934044361116}],"sentiment":"neutral","sentiment_score":0.015532386768609286,"num_words":40,"start":502.95502,"end":523.49},{"sentences":[{"text":"So we get paid more, but we don't get, like, annual leave or sick leave.","start":523.49,"end":528.63,"sentiment":"neutral","sentiment_score":-0.1305826795597871},{"text":"No.","start":536.21497,"end":536.375,"sentiment":"neutral","sentiment_score":-0.2621937692165375},{"text":"No.","start":536.375,"end":536.77496,"sentiment":"neutral","sentiment_score":-0.2527552545070648},{"text":"Super is part of it.","start":536.77496,"end":538.315,"sentiment":"neutral","sentiment_score":-0.07287420630455017},{"text":"Should be going in there.","start":538.855,"end":540.315,"sentiment":"positive","sentiment_score":0.3401155471801758}],"sentiment":"neutral","sentiment_score":-0.04212898195341781,"num_words":27,"start":523.49,"end":540.315},{"sentences":[{"text":"Okay.","start":543.72003,"end":544.04004,"sentiment":"neutral","sentiment_score":0.13734985888004303},{"text":"Cool.","start":544.04004,"end":544.54004,"sentiment":"neutral","sentiment_score":0.20868349075317383},{"text":"So it changes every week, but I calculated it the other day.","start":549.08,"end":551.8,"sentiment":"neutral","sentiment_score":0.04950729167709748},{"text":"I think it should be around 111,000 a year, I think.","start":551.8,"end":555.5,"sentiment":"neutral","sentiment_score":0.10945571620355952},{"text":"But it's on average, 1,700 a week after tax.","start":555.935,"end":563.695,"sentiment":"neutral","sentiment_score":0.021214843831128545}],"sentiment":"neutral","sentiment_score":0.06867845066110878,"num_words":34,"start":543.72003,"end":563.695},{"sentences":[{"text":"Yeah.","start":563.695,"end":563.935,"sentiment":"neutral","sentiment_score":0.05638018995523453},{"text":"It's about 3,500 or something before tax.","start":563.935,"end":566.995,"sentiment":"neutral","sentiment_score":0.11036743436540876},{"text":"Like, how much is in my savings?","start":580.27,"end":581.89,"sentiment":"neutral","sentiment_score":0.03444449231028557},{"text":"Or Not really.","start":581.95,"end":592.65497,"sentiment":"neutral","sentiment_score":-0.14269883185625076},{"text":"But I think I probably could've weighed out at least 500 a a week saving.","start":592.71497,"end":598.33496,"sentiment":"neutral","sentiment_score":-0.3219341317812602}],"sentiment":"neutral","sentiment_score":-0.1268801453212897,"num_words":33,"start":563.695,"end":598.33496},{"sentences":[{"text":"Yeah.","start":602.82,"end":603.06,"sentiment":"neutral","sentiment_score":-0.019536130130290985},{"text":"Yeah.","start":603.06,"end":603.56,"sentiment":"neutral","sentiment_score":-0.015986930578947067},{"text":"Yeah.","start":603.77997,"end":603.94,"sentiment":"neutral","sentiment_score":-0.017331920564174652},{"text":"Yeah.","start":603.94,"end":604.33997,"sentiment":"neutral","sentiment_score":-0.038361527025699615},{"text":"That's not 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front.","start":632.94,"end":639.5,"sentiment":"neutral","sentiment_score":-0.10727147734723985}],"sentiment":"neutral","sentiment_score":-0.12495301821918199,"num_words":33,"start":613.94495,"end":639.5},{"sentences":[{"text":"And then I had a loan for, like, I have a loan for about $20, and I paid $2.50 a fortnight for it.","start":639.5,"end":645.16504,"sentiment":"neutral","sentiment_score":0.01056789724237245},{"text":"It was 45,000 when I bought it, And I'd say, I don't know, it's about six months old as well.","start":652.585,"end":659.7,"sentiment":"neutral","sentiment_score":-0.028630813118070364},{"text":"Yeah.","start":665.83997,"end":666.33997,"sentiment":"neutral","sentiment_score":0.05440928414463997},{"text":"Well, I don't have it yet.","start":671.845,"end":673.125,"sentiment":"neutral","sentiment_score":-0.09993183768043916},{"text":"So, basically, long story short, my parents are selling us a childhood home and but the house hasn't sold yet, but they're giving us a 100,000 from that sale to put towards our own place.","start":673.125,"end":686.71,"sentiment":"neutral","sentiment_score":0.02879397709454809}],"sentiment":"neutral","sentiment_score":0.0015653274186393795,"num_words":85,"start":639.5,"end":686.71},{"sentences":[{"text":"So I have the 100,000 coming in, but outside of that, I've got 20,000 in my own savings.","start":687.17,"end":694.55,"sentiment":"neutral","sentiment_score":0.08757840510871676},{"text":"Just the car loan.","start":701.685,"end":702.82495,"sentiment":"neutral","sentiment_score":0.05143328616395593},{"text":"Yeah.","start":703.845,"end":704.08496,"sentiment":"neutral","sentiment_score":0.0745026245713234},{"text":"That's it.","start":704.08496,"end":704.485,"sentiment":"neutral","sentiment_score":0.08846356347203255},{"text":"I pay 275 at the moment in rates a week.","start":704.485,"end":707.865,"sentiment":"neutral","sentiment_score":0.06159179285168648}],"sentiment":"neutral","sentiment_score":0.0756997747612851,"num_words":35,"start":687.17,"end":707.865},{"sentences":[{"text":"But that'll change then because I'm gonna move out and live by myself.","start":708.75995,"end":712.06,"sentiment":"neutral","sentiment_score":0.13185857265041426},{"text":"No.","start":721.88,"end":722.38,"sentiment":"neutral","sentiment_score":-0.05843551084399223},{"text":"No.","start":731.515,"end":731.91504,"sentiment":"neutral","sentiment_score":-0.1480257511138916},{"text":"Nothing I nothing at all that I can think of, to be honest.","start":731.91504,"end":735.05505,"sentiment":"neutral","sentiment_score":-0.19156773617634407},{"text":"Yes.","start":751.5,"end":752.0,"sentiment":"neutral","sentiment_score":0.04472317919135094}],"sentiment":"neutral","sentiment_score":-0.0323433520208145,"num_words":29,"start":708.75995,"end":752.0},{"sentences":[{"text":"Yep.","start":754.285,"end":754.785,"sentiment":"neutral","sentiment_score":-0.04473690316081047},{"text":"No.","start":760.925,"end":761.245,"sentiment":"neutral","sentiment_score":-0.26873579621315},{"text":"I looked at it, but, I mean, I'm seeing this video at the moment.","start":761.245,"end":765.485,"sentiment":"neutral","sentiment_score":-0.18435282313397952},{"text":"So I looked at it briefly, but I don't even think that it's worth a full year of coverage.","start":765.485,"end":771.11,"sentiment":"neutral","sentiment_score":-0.31627723888347026},{"text":"If with the limited amount that I go to the physio and dentist, I just yeah.","start":771.33,"end":776.52997,"sentiment":"neutral","sentiment_score":-0.20164045505225658}],"sentiment":"neutral","sentiment_score":-0.23784170672297478,"num_words":51,"start":754.285,"end":776.52997},{"sentences":[{"text":"So, yeah, I looked into it, but, no, I'm I don't have it.","start":776.52997,"end":779.43,"sentiment":"neutral","sentiment_score":-0.185290766450075},{"text":"Yep.","start":790.865,"end":791.365,"sentiment":"neutral","sentiment_score":0.06688503921031952},{"text":"Anyway.","start":828.47,"end":828.97,"sentiment":"neutral","sentiment_score":0.06626734137535095},{"text":"No.","start":857.11,"end":857.51,"sentiment":"neutral","sentiment_score":-0.08833535760641098},{"text":"Not.","start":857.51,"end":858.01,"sentiment":"negative","sentiment_score":-0.3389884829521179}],"sentiment":"neutral","sentiment_score":-0.15899714257787256,"num_words":17,"start":776.52997,"end":858.01},{"sentences":[{"text":"Not yet.","start":859.11,"end":859.85,"sentiment":"neutral","sentiment_score":-0.2897522747516632},{"text":"Maybe first panel line, but not no will.","start":860.47,"end":863.45,"sentiment":"neutral","sentiment_score":-0.0888626598753035},{"text":"Okay.","start":863.58997,"end":864.08997,"sentiment":"neutral","sentiment_score":0.04967459291219711},{"text":"Hopefully.","start":874.965,"end":875.465,"sentiment":"neutral","sentiment_score":0.2183225154876709},{"text":"Yep.","start":876.085,"end":876.585,"sentiment":"neutral","sentiment_score":0.18493828177452087}],"sentiment":"neutral","sentiment_score":-0.06442080294856659,"num_words":13,"start":859.11,"end":876.585},{"sentences":[{"text":"Yeah.","start":887.95,"end":888.45,"sentiment":"neutral","sentiment_score":0.09627830237150192},{"text":"No.","start":922.985,"end":923.485,"sentiment":"neutral","sentiment_score":-0.19360408186912537},{"text":"No.","start":923.785,"end":924.285,"sentiment":"neutral","sentiment_score":-0.18359915912151337},{"text":"Yeah.","start":943.10004,"end":943.42004,"sentiment":"neutral","sentiment_score":0.1753745675086975},{"text":"Is that good?","start":943.42004,"end":944.62,"sentiment":"neutral","sentiment_score":0.06975144644578297}],"sentiment":"neutral","sentiment_score":0.014814852603844238,"num_words":7,"start":887.95,"end":944.62},{"sentences":[{"text":"I don't know.","start":944.62,"end":945.18,"sentiment":"negative","sentiment_score":-0.4046380619208018},{"text":"I wouldn't have a clue, to be honest.","start":945.18,"end":946.72003,"sentiment":"negative","sentiment_score":-0.3457850646227598},{"text":"Yep.","start":957.455,"end":957.955,"sentiment":"neutral","sentiment_score":0.03789238631725311}],"sentiment":"neutral","sentiment_score":-0.32852519303560257,"num_words":12,"start":944.62,"end":957.955}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Hi, Lauren. This is Kyle calling from OP Financial. This is in regards to your scheduled booking.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Hi, Lauren. It's Kyle from Oakview. How are you today?\n\nChannel 1: Not too bad. Sorry. I'm just walking dogs, so it's a bit windy. I apologize.\n\nChannel 0: No. That's perfectly fine. Are you still happy to have the conversation now?\n\nChannel 1: Yeah. Yeah. That'd be good. Yeah. Thank you.\n\nHopefully, it\n\nChannel 0: Not\n\nChannel 1: doesn't\n\nChannel 0: a pro\n\nChannel 1: take long. It's just, yeah, to get out the health insurance or life insurance, if\n\nChannel 0: yeah. Not a problem. Just to discuss that one, Lauren, if I could just pass you through Secure with that name, date of birth, and current address. Thank you.\n\nChannel 1: needed. Yeah. Sure. Lauren Courtney Thomas. I have my birthday, the 1993, and my current address is 10933.\n\nChannel 0: Perfect. Thank you for that one. Now in regards to that one, could you do hold that policy for the income protection? Is that the one you were looking to remove?\n\nChannel 1: Yeah. Like, I just if anything were to happen to me, I think that, like, I'd have enough money now to kinda be able to live off anyway. So that's why I just feel like it's probably a bit of waste of money for me to be paying what was over a thousand bucks, I think, to have it on. So, yeah, that's that's mainly why. But, hopefully, nothing happens to me.\n\nBut\n\nChannel 0: Yeah. Because it is obviously the risk you run. So like you you said, sort of, given that you don't have a huge amount of debts or anything like that, it's mainly for an event that you couldn't work, like, your normal sort of occupation, there's a chance you'd be able to claim on that income protection policy, which is all the way to the age of 65. So you are unable to work. That's what you sort of the benefit and risk mitigation you're paying to, the fact that if something were to happen, if you were to make a successful claim that you are covered and you would have that level of income,\n\nChannel 1: Yeah.\n\nChannel 0: although you\n\nChannel 1: Yep.\n\nChannel 0: may have some form of, like, yeah, savings for now, but if you that was to go on for, like, a significant period of time, say, like, broken back, things like that, that's what that policy would sorta cover for. And then\n\nChannel 1: Yes.\n\nChannel 0: you're right. And so the total premium would be around a thousand dollars, but that is paid out of your your superannuation for that income protection, if that makes sense.\n\nChannel 1: Yeah. Yeah. No. That makes sense. No.\n\nIt's all good. I'll still get rid of it. I just I've been thinking about it for a while. I just don't think it's I really need it. Like, I think it's just something that, yeah, I'm paying for.\n\nChannel 0: Yep.\n\nChannel 1: I've got, like, some inheritance that I've got recently and yeah. So I just think that it's probably best to I might put it back on later when I'm a bit older, but for now,\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: probably\n\nChannel 0: No. That's fine. Obviously,\n\nChannel 1: don't\n\nChannel 0: the risk in regards\n\nChannel 1: need\n\nChannel 0: to that\n\nChannel 1: it.\n\nChannel 0: one is, obviously, when you're younger, like, you don't really have any health issues. If anything was to arise sorta down the track, it may end up being an exclusion on a newer policy. In addition to that one,\n\nChannel 1: Yep.\n\nChannel 0: you would have to go through underwriting to skin your policy. So if you're comfortable, you know, being self insured and the risk of not having insurance and canceling your insurance, that's more than fine.\n\nChannel 1: Yep.\n\nChannel 0: In regards to everything else that you aren't due for that annual review, I know sort of towards the end, Lendly, last year did sort of come up, but we just didn't have a chance to discuss it when we last had a conversation. Would you have time to run through just a quick update there in regards to everything for your annual review?\n\nChannel 1: Yeah. That's fine. If I can you still hear me? I'm just putting my phone in my bag. Can you still hear me like that?\n\nChannel 0: Yeah. It's a little bit muffled,\n\nChannel 1: Yeah.\n\nChannel 0: but as long as you're fine, that's more than fine.\n\nChannel 1: Alright. Let me know if you need me to say something again.\n\nChannel 0: Yeah. Not a problem. Well, I will just run through and just confirm a few details in regards to your sort of life circumstances. Because I know you did change roles as well with the department there of veteran affairs. So I'll just confirm a few things here.\n\nSo in regards to your email, is it still iCourtneyt27@Gmail.com?\n\nChannel 1: Yep. Yeah. Oh, Courtney. Yeah. Yep.\n\nThat's\n\nChannel 0: Oh,\n\nChannel 1: still\n\nChannel 0: l\n\nChannel 1: the same\n\nChannel 0: Courtney.\n\nChannel 1: one.\n\nChannel 0: Sorry. Yep.\n\nChannel 1: Yep.\n\nChannel 0: In regards to your details too since you last moved as well, I don't believe you completed the change of details form that we did send out in regards to changing your updated details. Let me just double check and see.\n\nChannel 1: I thought I was I meant to. I think they got posted, and then I thought I did, but I might not have.\n\nChannel 0: Because I believe we updated the the email address, but the number might be slightly different. Let\n\nChannel 1: I\n\nChannel 0: me just\n\nChannel 1: needed, like, a not a guarantor, but, like, I needed a witness or something. Is that that one?\n\nChannel 0: that's the beneficiary form. So within\n\nChannel 1: Yeah.\n\nChannel 0: regards to the number we've got, obviously, the number of calls you want, which ends in 287. But on your account, you have your old number of 900.\n\nChannel 1: Yep.\n\nChannel 0: So that was what that form was in regards. So I can get them to resend that, but the obviously, updating the phone number, that's used for, like, security update purposes if you weren't able to access your account. That in regards to that in your email, which you do need to complete a change of details form for a number. We obviously updated the the address,\n\nChannel 1: Okay.\n\nChannel 0: but\n\nChannel 1: Yeah.\n\nChannel 0: their number has to be updated through that. And then you're correct in regards to the beneficiary forms there as well are outstanding. But we'll get\n\nChannel 1: Oh,\n\nChannel 0: those,\n\nChannel 1: okay.\n\nChannel 0: yeah, we'll\n\nChannel 1: I thought\n\nChannel 0: get\n\nChannel 1: I\n\nChannel 0: those\n\nChannel 1: did that. I'm sorry.\n\nChannel 0: Oh,\n\nChannel 1: Yeah. I\n\nChannel 0: okay.\n\nChannel 1: don't know what happened there. Because I remember the witnessing thing. So I I don't know what happened there, but alright.\n\nChannel 0: If\n\nChannel 1: No\n\nChannel 0: you\n\nChannel 1: worries.\n\nChannel 0: yeah. There isn't one on the account. I believe we received them. Did you send them back via email or through the\n\nChannel 1: Through the post is what I thought. No worries.\n\nChannel 0: post? Okay. They might have gotten lost in the the mail there. Do you have an email that like, a printer at home that we could just email you the forms and you'd be able to print them and complete them and scan them back?\n\nChannel 1: Yeah. Yeah. So I'm in Brisbane still, but I'm in the office next week. So I'll be able to do it I'll be able to print them next week. Otherwise, I can give you the postal address of the place that I'm at in Brisbane.\n\nChannel 0: They might just not get there at the moment. So what we'll do is we'll email you the forms, and you can just print them and sign them and scan them back. That way, at least, we don't get lost in the mail again. So I'll get them to do that to the change of details form and then regards to your beneficiary forms there as well. Now in regards to your occupation, I know you did mention you're working at the Department of Veteran Affairs, but you didn't sort of give us too many details in regards to that.\n\nSo with that one there, what's your sort of title with your new role?\n\nChannel 1: It's a mental health clinician is what the title is.\n\nChannel 0: Yeah. And then with that, are you working you said you work in an office there. Are you in the office full time? Do you sort of go to other people's houses? Or\n\nChannel 1: No. So I work from home. Probably 75% of the time, I'd say. And, no, it's no home visits, which is good. It's just all phone work.\n\nChannel 0: Yep. So 75% home and then 15\n\nChannel 1: Yep.\n\nChannel 0: percent in office?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. And then is it just sort of mental health counseling for veteran affairs?\n\nChannel 1: Yeah. So intakes and yeah. So kinda like suicide risk assessment, family violence risk assessment, crisis sort of stuff, but via the phone.\n\nChannel 0: Yep. And then within regards to your qualification, I don't think we've ever had it previously listed, but did you do a diploma or a bachelor's? Or\n\nChannel 1: I have a master's in social work.\n\nChannel 0: perfect. I'll just make a note of that. Thank you. And then as far as this role here, you've probably been doing that, what, like, six months now?\n\nChannel 1: Yeah. Six months. Yep.\n\nChannel 0: Yep. And this industry experience, how much do you have industry experience wise?\n\nChannel 1: From when I started?\n\nChannel 0: Yeah. Just in the industry.\n\nChannel 1: I've been a social worker. I've been in the field for ten years. This year?\n\nChannel 0: Perfect. And then with that, are you working full time at this new role?\n\nChannel 1: Well, they're full time hours, but at the moment, I'm, like, contracted. So it's shift work. It's over a twenty four hour roster. But they wanna they were we work the same hours as someone would expect full time.\n\nChannel 0: So, like, thirty eight hours. Do you get sort of holidays and things like that as well still?\n\nChannel 1: No. So we get paid more, but we don't get, like, annual leave or sick leave.\n\nChannel 0: Okay. No worries. And do you get superannuation with that contract work, or you have to pay your own?\n\nChannel 1: No. No. Super is part of it.\n\nChannel 0: Okay.\n\nChannel 1: Should\n\nChannel 0: That's\n\nChannel 1: be\n\nChannel 0: good.\n\nChannel 1: going in there.\n\nChannel 0: It probably is. I just didn't pull it up in front of me there.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Cool.\n\nChannel 0: do you know roughly roughly in regards to your income what you're on, like, in a gross amount?\n\nChannel 1: So it changes every week, but I calculated it the other day. I think it should be around 111,000 a year, I think. But it's on average, 1,700 a week\n\nChannel 0: After tax?\n\nChannel 1: after tax. Yeah. It's about 3,500 or something before tax.\n\nChannel 0: Perfect. And as far as, like, your expenditure versus your savings at the moment, do you know roughly what your outgoings versus what you're putting away are?\n\nChannel 1: Like, how much is in my savings? Or\n\nChannel 0: So, like, on a weekly amount, like, do you break up your income to, like, sort of this goes to bills and this is how much I wanna be putting into savings sort of thing?\n\nChannel 1: Not really. But I think I probably could've weighed out at least 500 a a week saving.\n\nChannel 0: Yep. And as far as your expenditure, you're a little unsure of what your outgoings are each\n\nChannel 1: Yeah.\n\nChannel 0: week?\n\nChannel 1: Yeah. Yeah. Yeah. That's not true.\n\nChannel 0: No problem. That's fine. And as far as additional contributions to superannuation or anything like that, is it something you've thought about? Is that something you wanna look at? Are you happy at the moment?\n\nChannel 1: No. Just I'll just leave it as it is at the moment.\n\nChannel 0: Yep. Not a problem at all. And then within regards to your Assenant side, because it sounds like it has changed a little bit. I know you had the car worth around 18,000. Is that still the same car?\n\nChannel 1: No. I sold that car. I traded it in and bought a new car, and I paid off 10,000 up front. And then I had a loan for, like, I have a loan for about $20, and I paid $2.50 a fortnight for it.\n\nChannel 0: And then do you know roughly what that car was worth when you bought it or what's worth at the moment?\n\nChannel 1: It was 45,000 when I bought it, And I'd say, I don't know, it's about six months old as well.\n\nChannel 0: Let's say well, obviously, you're not gonna sell it anyway, so I'll just put the the purchase amount there. And\n\nChannel 1: Yeah.\n\nChannel 0: as far as savings, given that you did receive inheritance and things like that as well, do you know roughly how much you do have in savings now?\n\nChannel 1: Well, I don't have it yet. So, basically, long\n\nChannel 0: Okay.\n\nChannel 1: story short, my parents are selling us a childhood home and\n\nChannel 0: Yep.\n\nChannel 1: but the house hasn't sold yet, but they're giving us a 100,000 from that sale to put towards our own place. So I have the 100,000 coming in, but outside of that, I've got 20,000 in my own savings.\n\nChannel 0: Perfect. And then as far as any other assets, liabilities, do you have anything else?\n\nChannel 1: Just the car loan. Yeah. That's it. I pay 275 at the moment in rates a week. But that'll change then because I'm gonna move out and live by myself.\n\nChannel 0: Okay. Not a problem. And then as far as your health's been for the last twelve months, no unexpected changes or anything like that in regards\n\nChannel 1: No.\n\nChannel 0: to not something you should be concerned about or anything that you should probably get, like, a a check or anything just before canceling insurances is the reason I sort of asked.\n\nChannel 1: No. Nothing I nothing at all that I can think of, to be honest.\n\nChannel 0: Yep. Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup. But if you're comfortable not doing that still and canceling your insurances, that's fine. But it always sort of is just good practice. But given you are younger,\n\nChannel 1: Yes.\n\nChannel 0: there's probably nothing would come from it anyway, and you're sort of\n\nChannel 1: Yep.\n\nChannel 0: a rare for the risk, so that's fine. And as far as private health at the moment, have you got private health cover?\n\nChannel 1: No. I looked at it, but, I mean, I'm seeing this video at the moment. So I looked at it briefly, but I don't even think that it's worth a full year of coverage. If with the limited amount that I go to the physio and dentist, I just yeah. So, yeah, I looked into it, but, no, I'm I don't have it.\n\nChannel 0: Yeah. No. That's fine. So within regards to that, you know, once you sort of turn 30 each year after that, like, it does increase in price as well, which is just something to be aware of if you did wanna potentially get in the future. It obviously does they\n\nChannel 1: Yep.\n\nChannel 0: add, like, a loading to it. That will stay there for ten years even if you take out a policy and continue to pay a policy. It's just something to be mindful of. We obviously don't make recommendations in regards to general health insurances anyway. It's just something you should be aware of.\n\nBut if you're comfortable sort of not having that and if your income were to you know, given that you are on that higher income amount as well, you might end up paying, like, a bit more in Medicare levy as well, just depending, on your take home pay, versus, like, if you did have the private health cover, if that makes sense. Yeah. No. That that's perfectly fine.\n\nChannel 1: Anyway.\n\nChannel 0: Yeah. So it's just important to note that, you know, if it's you're in an industry that you're sort of looking at increasing your your income there as well, you may be liable sort of additional Medicare levy costs given that you are sort of up over that 100,000 now as well. And in regards to estate planning matters, have you managed to sort of think about that, setting up a will, things like that as well?\n\nChannel 1: No. Not. Not yet.\n\nChannel 0: Yeah. No.\n\nChannel 1: Maybe\n\nChannel 0: That's\n\nChannel 1: first panel line, but not no will. Okay.\n\nChannel 0: yep. Yep. And no problem. So, obviously, we're still gonna chase you up on the beneficiary forms for the non estate asset, which is your superannuation\n\nChannel 1: Hopefully.\n\nChannel 0: there. Just in the event that anything\n\nChannel 1: Yep.\n\nChannel 0: did happen because, otherwise, it does go to your will. Given that you don't really have any dependents that would sort of fall under this law anyway, it's likely to sort of you direct it to your will to be distributed through, like, a will just because,\n\nChannel 1: Yeah.\n\nChannel 0: you know, if you wanna leave it to, you know, brothers, sisters, parents, things like that, they aren't sort of valid nominations unless you're caring for them in in some sort of way. But, yeah, that's just something to be to be mindful of there as well. Now in regards to a risk profile there is well, we just quickly do an updated one to make sure your risk tolerance is in line with what we've got you invested there, Lauren. So I'll I'll just ask a few questions here similar to what you've answered previously. But you haven't made direct share investments since we last spoke?\n\nChannel 1: No. No.\n\nChannel 0: Yep. No. That's fine. And then in regards to inflation, obviously, the cost of living keeps going up. You know, the fuel price just in the last few weeks has jumped by 40¢, so that's a bit rough.\n\nBut are you still willing to take on a moderate amount of risk to try and outpace inflation and get a return in your superannuation? You're comfortable, like, with that sort of moderate risk for moderate returns at the moment?\n\nChannel 1: Yeah. Is that good? I don't know. I wouldn't have a clue, to be honest.\n\nChannel 0: Yes. So given your age there as well, Lauren, because you are on the younger side of things, you've got, like, twenty seven years before you could even access the money if you wanted to, which is a long time to be invested. And over\n\nChannel 1: Yep.\n\nChannel 0: that period of time, like, generally, it doesn't matter what types of investment you choose, it will end up higher above them. And given if you have a higher allocation to growth assets and holding it for that longer period of time, when it does take a bit of dip in times like, you know, now when there is a war, It's just you have the time to recover from those dips even like the GFC a few years","paragraphs":[{"sentences":[{"text":"Hi.","start":0.32,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.03291860967874527},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.79999995,"end":5.22,"sentiment":"neutral","sentiment_score":0.027563533512875438}],"sentiment":"neutral","sentiment_score":0.027878537993220723,"channel":1,"num_words":17,"start":0.32,"end":5.22},{"sentences":[{"text":"Hi, Lauren.","start":7.04,"end":7.68,"sentiment":"neutral","sentiment_score":0.07210338488221169},{"text":"This is Kyle calling from OP Financial.","start":7.68,"end":9.679999,"sentiment":"neutral","sentiment_score":0.0898931697010994},{"text":"This is in regards to your scheduled booking.","start":9.679999,"end":11.94,"sentiment":"neutral","sentiment_score":0.10794272925704718}],"sentiment":"neutral","sentiment_score":0.09629416421932332,"channel":0,"num_words":17,"start":7.04,"end":11.94},{"sentences":[{"text":"Thanks.","start":17.095001,"end":17.595001,"sentiment":"positive","sentiment_score":0.4065527021884918},{"text":"Please stay on the line.","start":17.975,"end":19.595001,"sentiment":"neutral","sentiment_score":0.21837872564792632},{"text":"Hello?","start":22.775,"end":23.275,"sentiment":"neutral","sentiment_score":0.09273494780063628}],"sentiment":"neutral","sentiment_score":0.2273116111755371,"channel":1,"num_words":7,"start":17.095001,"end":23.275},{"sentences":[{"text":"Hi, Lauren.","start":24.27,"end":24.91,"sentiment":"neutral","sentiment_score":0.1900029554963112},{"text":"It's Kyle from Oakview.","start":24.91,"end":26.19,"sentiment":"neutral","sentiment_score":0.18965139240026474},{"text":"How are you today?","start":26.19,"end":27.09,"sentiment":"neutral","sentiment_score":0.24508926644921303}],"sentiment":"neutral","sentiment_score":0.21189685463905333,"channel":0,"num_words":10,"start":24.27,"end":27.09},{"sentences":[{"text":"Not too bad.","start":27.494999,"end":28.135,"sentiment":"neutral","sentiment_score":0.007393386214971542},{"text":"Sorry.","start":28.135,"end":28.375,"sentiment":"neutral","sentiment_score":-0.09923207759857178},{"text":"I'm just walking dogs, so it's a bit windy.","start":28.375,"end":30.775,"sentiment":"neutral","sentiment_score":-0.1497030978401502},{"text":"I apologize.","start":30.775,"end":31.355,"sentiment":"neutral","sentiment_score":-0.11140689626336098}],"sentiment":"neutral","sentiment_score":-0.1098129061361154,"channel":1,"num_words":15,"start":27.494999,"end":31.355},{"sentences":[{"text":"No.","start":32.510002,"end":32.67,"sentiment":"neutral","sentiment_score":-0.039985496550798416},{"text":"That's perfectly fine.","start":32.67,"end":34.05,"sentiment":"neutral","sentiment_score":0.11791894709070523},{"text":"Are you still happy to have the conversation now?","start":34.43,"end":36.645,"sentiment":"neutral","sentiment_score":0.21397381855381858}],"sentiment":"neutral","sentiment_score":0.1722719778235142,"channel":0,"num_words":13,"start":32.510002,"end":36.645},{"sentences":[{"text":"Yeah.","start":37.04,"end":37.28,"sentiment":"neutral","sentiment_score":0.12742802500724792},{"text":"Yeah.","start":37.28,"end":37.44,"sentiment":"neutral","sentiment_score":0.17747856676578522},{"text":"That'd be good.","start":37.44,"end":38.08,"sentiment":"positive","sentiment_score":0.3433043261369069},{"text":"Yeah.","start":38.08,"end":38.4,"sentiment":"neutral","sentiment_score":0.2714146673679352},{"text":"Thank 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it previously listed, but did you do a diploma or a bachelor's?","start":459.78,"end":468.36002,"sentiment":"neutral","sentiment_score":0.026049392111599446},{"text":"Or","start":468.5,"end":468.945,"sentiment":"neutral","sentiment_score":0.021612774580717087}],"sentiment":"neutral","sentiment_score":0.027662462692845752,"channel":0,"num_words":27,"start":458.26,"end":468.945},{"sentences":[{"text":"I have a master's in social work.","start":469.37,"end":471.31,"sentiment":"neutral","sentiment_score":0.041694492899945805}],"sentiment":"neutral","sentiment_score":0.041694492899945805,"channel":1,"num_words":7,"start":469.37,"end":471.31},{"sentences":[{"text":"perfect.","start":473.665,"end":473.98502,"sentiment":"positive","sentiment_score":0.5230880975723267},{"text":"I'll just make a note of that.","start":473.98502,"end":475.105,"sentiment":"positive","sentiment_score":0.4694389019693647},{"text":"Thank 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started?","start":486.72498,"end":487.94498,"sentiment":"neutral","sentiment_score":0.007491470780223608}],"sentiment":"neutral","sentiment_score":0.007491470780223608,"channel":1,"num_words":4,"start":486.72498,"end":487.94498},{"sentences":[{"text":"Yeah.","start":488.37003,"end":488.69,"sentiment":"neutral","sentiment_score":0.03305072337388992},{"text":"Just in the industry.","start":488.69,"end":489.75,"sentiment":"neutral","sentiment_score":0.028540812898427248}],"sentiment":"neutral","sentiment_score":0.02944279499351978,"channel":0,"num_words":5,"start":488.37003,"end":489.75},{"sentences":[{"text":"I've been a social worker.","start":490.94,"end":492.13998,"sentiment":"neutral","sentiment_score":0.05059836097061634},{"text":"I've been in the field for ten years.","start":492.13998,"end":495.00998,"sentiment":"neutral","sentiment_score":0.06663167336955667},{"text":"This 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roster.","start":509.035,"end":511.135,"sentiment":"neutral","sentiment_score":0.023385138317410434},{"text":"But they wanna they were we work the same hours as someone would expect full time.","start":512.715,"end":517.83,"sentiment":"neutral","sentiment_score":0.03719855914823711}],"sentiment":"neutral","sentiment_score":0.01870550797917904,"channel":1,"num_words":39,"start":502.95502,"end":517.83},{"sentences":[{"text":"So, like, thirty eight hours.","start":518.015,"end":519.215,"sentiment":"neutral","sentiment_score":0.046183045208454135},{"text":"Do you get sort of holidays and things like that as well still?","start":519.215,"end":522.67505,"sentiment":"neutral","sentiment_score":0.031049723665301617}],"sentiment":"neutral","sentiment_score":0.03525342409395509,"channel":0,"num_words":18,"start":518.015,"end":522.67505},{"sentences":[{"text":"No.","start":523.17,"end":523.49,"sentiment":"neutral","sentiment_score":-0.10821934044361116},{"text":"So we get paid more, but we don't get, like, annual leave or sick leave.","start":523.49,"end":528.63,"sentiment":"neutral","sentiment_score":-0.1305826795597871}],"sentiment":"neutral","sentiment_score":-0.12918497086502612,"channel":1,"num_words":16,"start":523.17,"end":528.63},{"sentences":[{"text":"Okay.","start":529.05505,"end":529.55505,"sentiment":"neutral","sentiment_score":0.04709944128990173},{"text":"No worries.","start":529.88,"end":530.54,"sentiment":"neutral","sentiment_score":0.045177205465734005},{"text":"And do you get superannuation with that contract work, or you have to pay your 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regards to your income what you're on, like, in a gross amount?","start":544.12,"end":547.90497,"sentiment":"neutral","sentiment_score":0.09665816732578808}],"sentiment":"neutral","sentiment_score":0.09665816732578808,"channel":0,"num_words":18,"start":544.12,"end":547.90497},{"sentences":[{"text":"So it changes every week, but I calculated it the other day.","start":549.08,"end":551.8,"sentiment":"neutral","sentiment_score":0.04950729167709748},{"text":"I think it should be around 111,000 a year, I think.","start":551.8,"end":555.5,"sentiment":"neutral","sentiment_score":0.10945571620355952},{"text":"But it's on average, 1,700 a week","start":555.935,"end":559.39496,"sentiment":"neutral","sentiment_score":0.028303429750459536}],"sentiment":"neutral","sentiment_score":0.06654081288725137,"channel":1,"num_words":30,"start":549.08,"end":559.39496},{"sentences":[{"text":"After 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asked.","start":722.145,"end":730.92,"sentiment":"neutral","sentiment_score":-0.15907702094409615}],"sentiment":"neutral","sentiment_score":-0.15907702094409615,"channel":0,"num_words":32,"start":722.145,"end":730.92},{"sentences":[{"text":"No.","start":731.515,"end":731.91504,"sentiment":"neutral","sentiment_score":-0.1480257511138916},{"text":"Nothing I nothing at all that I can think of, to be honest.","start":731.91504,"end":735.05505,"sentiment":"neutral","sentiment_score":-0.19156773617634407}],"sentiment":"neutral","sentiment_score":-0.18845759438616888,"channel":1,"num_words":14,"start":731.515,"end":735.05505},{"sentences":[{"text":"Yep.","start":735.72,"end":736.22,"sentiment":"neutral","sentiment_score":0.08032410591840744},{"text":"Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup.","start":736.27997,"end":743.24,"sentiment":"neutral","sentiment_score":0.03941189184784889},{"text":"But if you're comfortable not doing that still and canceling your insurances, that's fine.","start":743.24,"end":747.85504,"sentiment":"neutral","sentiment_score":0.05668750086000988},{"text":"But it always sort of is just good practice.","start":748.79504,"end":750.635,"sentiment":"neutral","sentiment_score":0.2265332473648919},{"text":"But given you are younger,","start":750.635,"end":751.515,"sentiment":"neutral","sentiment_score":0.10460882186889649}],"sentiment":"neutral","sentiment_score":0.08187203240339402,"channel":0,"num_words":54,"start":735.72,"end":751.515},{"sentences":[{"text":"Yes.","start":751.5,"end":752.0,"sentiment":"neutral","sentiment_score":0.04472317919135094}],"sentiment":"neutral","sentiment_score":0.04472317919135094,"channel":1,"num_words":1,"start":751.5,"end":752.0},{"sentences":[{"text":"there's probably nothing would come from it anyway, and you're sort of","start":751.515,"end":754.395,"sentiment":"neutral","sentiment_score":-0.15466745042552552}],"sentiment":"neutral","sentiment_score":-0.15466745042552552,"channel":0,"num_words":12,"start":751.515,"end":754.395},{"sentences":[{"text":"Yep.","start":754.285,"end":754.785,"sentiment":"neutral","sentiment_score":-0.04473690316081047}],"sentiment":"neutral","sentiment_score":-0.04473690316081047,"channel":1,"num_words":1,"start":754.285,"end":754.785},{"sentences":[{"text":"a rare for the risk, so that's fine.","start":754.395,"end":756.09503,"sentiment":"neutral","sentiment_score":0.0518780741840601},{"text":"And as far as private health at the moment, have you got private health cover?","start":756.715,"end":760.09503,"sentiment":"neutral","sentiment_score":-0.004229950904846192}],"sentiment":"neutral","sentiment_score":0.01528588390868643,"channel":0,"num_words":23,"start":754.395,"end":760.09503},{"sentences":[{"text":"No.","start":760.925,"end":761.245,"sentiment":"neutral","sentiment_score":-0.26873579621315},{"text":"I looked at it, but, I mean, I'm seeing this video at the moment.","start":761.245,"end":765.485,"sentiment":"neutral","sentiment_score":-0.18435282313397952},{"text":"So I looked at it briefly, but I don't even think that it's worth a full year of coverage.","start":765.485,"end":771.11,"sentiment":"neutral","sentiment_score":-0.31627723888347026},{"text":"If with the limited amount that I go to the physio and dentist, I just yeah.","start":771.33,"end":776.52997,"sentiment":"neutral","sentiment_score":-0.20164045505225658},{"text":"So, yeah, I looked into it, but, no, I'm I don't have it.","start":776.52997,"end":779.43,"sentiment":"neutral","sentiment_score":-0.185290766450075}],"sentiment":"neutral","sentiment_score":-0.2300630175168552,"channel":1,"num_words":63,"start":760.925,"end":779.43},{"sentences":[{"text":"Yeah.","start":779.67505,"end":779.99506,"sentiment":"neutral","sentiment_score":-0.03540976345539093},{"text":"No.","start":779.99506,"end":780.155,"sentiment":"neutral","sentiment_score":-0.03747843950986862},{"text":"That's fine.","start":780.155,"end":780.97504,"sentiment":"neutral","sentiment_score":0.1341964602470398},{"text":"So within regards to that, you know, once you sort of turn 30 each year after that, like, it does increase in price as well, which is just something to be aware of if you did wanna potentially get in the future.","start":781.03503,"end":789.82996,"sentiment":"neutral","sentiment_score":-0.038419448460141815},{"text":"It obviously does they","start":789.82996,"end":791.02997,"sentiment":"neutral","sentiment_score":0.05202157609164715}],"sentiment":"neutral","sentiment_score":-0.024200516268610955,"channel":0,"num_words":50,"start":779.67505,"end":791.02997},{"sentences":[{"text":"Yep.","start":790.865,"end":791.365,"sentiment":"neutral","sentiment_score":0.06688503921031952}],"sentiment":"neutral","sentiment_score":0.06688503921031952,"channel":1,"num_words":1,"start":790.865,"end":791.365},{"sentences":[{"text":"add, like, a loading to it.","start":791.02997,"end":792.38995,"sentiment":"neutral","sentiment_score":0.03874157120784124},{"text":"That will stay there for ten years even if you take out a policy and continue to pay a policy.","start":792.38995,"end":795.99,"sentiment":"neutral","sentiment_score":-0.036531766317784785},{"text":"It's just something to be mindful of.","start":795.99,"end":797.325,"sentiment":"neutral","sentiment_score":-0.0774772624884333},{"text":"We obviously don't make recommendations in regards to general health insurances anyway.","start":797.405,"end":801.425,"sentiment":"neutral","sentiment_score":-0.25656768803795177},{"text":"It's just something you should be aware of.","start":801.485,"end":803.645,"sentiment":"neutral","sentiment_score":-0.1785474643111229}],"sentiment":"neutral","sentiment_score":-0.10467393787683181,"channel":0,"num_words":53,"start":791.02997,"end":803.645},{"sentences":[{"text":"But if you're comfortable sort of not having that and if your income were to you know, given that you are on that higher income amount as well, you might end up paying, like, a bit more in Medicare levy as well, just depending, on your take home pay, versus, like, if you did have the private health cover, if that makes sense.","start":803.645,"end":820.96,"sentiment":"neutral","sentiment_score":-0.14458361007864512},{"text":"Yeah.","start":825.435,"end":825.755,"sentiment":"neutral","sentiment_score":-0.020921779796481133},{"text":"No.","start":825.755,"end":825.995,"sentiment":"neutral","sentiment_score":-0.08914156258106232},{"text":"That that's perfectly fine.","start":825.995,"end":827.535,"sentiment":"neutral","sentiment_score":-0.004735271446406841}],"sentiment":"neutral","sentiment_score":-0.13388075163938862,"channel":0,"num_words":69,"start":803.645,"end":827.535},{"sentences":[{"text":"Anyway.","start":828.47,"end":828.97,"sentiment":"neutral","sentiment_score":0.06626734137535095}],"sentiment":"neutral","sentiment_score":0.06626734137535095,"channel":1,"num_words":1,"start":828.47,"end":828.97},{"sentences":[{"text":"Yeah.","start":830.15497,"end":830.39496,"sentiment":"neutral","sentiment_score":0.0674445629119873},{"text":"So it's just important to note that, you know, if it's you're in an industry that you're sort of looking at increasing your your income there as well, you may be liable sort of additional Medicare levy costs given that you are sort of up over that 100,000 now as well.","start":830.39496,"end":846.5,"sentiment":"neutral","sentiment_score":-0.09670910443745408},{"text":"And in regards to estate planning matters, have you managed to sort of think about that, setting up a will, things like that as well?","start":848.895,"end":856.115,"sentiment":"neutral","sentiment_score":0.010270507857203483}],"sentiment":"neutral","sentiment_score":-0.059843598272312774,"channel":0,"num_words":77,"start":830.15497,"end":856.115},{"sentences":[{"text":"No.","start":857.11,"end":857.51,"sentiment":"neutral","sentiment_score":-0.08833535760641098},{"text":"Not.","start":857.51,"end":858.01,"sentiment":"negative","sentiment_score":-0.3389884829521179},{"text":"Not yet.","start":859.11,"end":859.85,"sentiment":"neutral","sentiment_score":-0.2897522747516632}],"sentiment":"neutral","sentiment_score":-0.25170709751546383,"channel":1,"num_words":4,"start":857.11,"end":859.85},{"sentences":[{"text":"Yeah.","start":859.53503,"end":860.03503,"sentiment":"neutral","sentiment_score":-0.1059497818350792},{"text":"No.","start":860.415,"end":860.575,"sentiment":"neutral","sentiment_score":-0.1521020531654358}],"sentiment":"neutral","sentiment_score":-0.1290259175002575,"channel":0,"num_words":2,"start":859.53503,"end":860.575},{"sentences":[{"text":"Maybe","start":860.47,"end":860.87,"sentiment":"neutral","sentiment_score":-0.09370063245296478}],"sentiment":"neutral","sentiment_score":-0.09370063245296478,"channel":1,"num_words":1,"start":860.47,"end":860.87},{"sentences":[{"text":"That's","start":860.575,"end":861.075,"sentiment":"neutral","sentiment_score":-0.06447575986385345}],"sentiment":"neutral","sentiment_score":-0.06447575986385345,"channel":0,"num_words":1,"start":860.575,"end":861.075},{"sentences":[{"text":"first panel line, but not no will.","start":860.87,"end":863.45,"sentiment":"neutral","sentiment_score":-0.08817152093563761},{"text":"Okay.","start":863.58997,"end":864.08997,"sentiment":"neutral","sentiment_score":0.04967459291219711}],"sentiment":"neutral","sentiment_score":-0.07094075670465827,"channel":1,"num_words":8,"start":860.87,"end":864.08997},{"sentences":[{"text":"yep.","start":865.54,"end":866.04,"sentiment":"neutral","sentiment_score":0.1182294711470604},{"text":"Yep.","start":868.18,"end":868.58,"sentiment":"neutral","sentiment_score":0.19101636111736295},{"text":"And no problem.","start":868.58,"end":869.38,"sentiment":"neutral","sentiment_score":0.27013860642910004},{"text":"So, obviously, we're still gonna chase you up on the beneficiary forms for the non estate asset, which is your superannuation","start":869.38,"end":874.76,"sentiment":"neutral","sentiment_score":0.20369664331277212}],"sentiment":"neutral","sentiment_score":0.20758812158153608,"channel":0,"num_words":26,"start":865.54,"end":874.76},{"sentences":[{"text":"Hopefully.","start":874.965,"end":875.465,"sentiment":"neutral","sentiment_score":0.2183225154876709}],"sentiment":"neutral","sentiment_score":0.2183225154876709,"channel":1,"num_words":1,"start":874.965,"end":875.465},{"sentences":[{"text":"there.","start":875.14,"end":875.505,"sentiment":"neutral","sentiment_score":0.13557568192481995},{"text":"Just in the event that anything","start":875.585,"end":876.465,"sentiment":"neutral","sentiment_score":0.11076811949412028}],"sentiment":"neutral","sentiment_score":0.11431205698422023,"channel":0,"num_words":7,"start":875.14,"end":876.465},{"sentences":[{"text":"Yep.","start":876.085,"end":876.585,"sentiment":"neutral","sentiment_score":0.18493828177452087}],"sentiment":"neutral","sentiment_score":0.18493828177452087,"channel":1,"num_words":1,"start":876.085,"end":876.585},{"sentences":[{"text":"did happen because, otherwise, it does go to your will.","start":876.465,"end":878.945,"sentiment":"neutral","sentiment_score":0.19200139939785005},{"text":"Given that you don't really have any dependents that would sort of fall under this law anyway, it's likely to sort of you direct it to your will to be distributed through, like, a will just because,","start":878.945,"end":888.305,"sentiment":"neutral","sentiment_score":0.1120520739035832}],"sentiment":"neutral","sentiment_score":0.12906256868959742,"channel":0,"num_words":47,"start":876.465,"end":888.305},{"sentences":[{"text":"Yeah.","start":887.95,"end":888.45,"sentiment":"neutral","sentiment_score":0.09627830237150192}],"sentiment":"neutral","sentiment_score":0.09627830237150192,"channel":1,"num_words":1,"start":887.95,"end":888.45},{"sentences":[{"text":"you know, if you wanna leave it to, you know, brothers, sisters, parents, things like that, they aren't sort of valid nominations unless you're caring for them in in some sort of way.","start":888.305,"end":898.97003,"sentiment":"neutral","sentiment_score":-0.02813403330969088},{"text":"But, yeah, that's just something to be to be mindful of there as well.","start":899.59,"end":903.69,"sentiment":"neutral","sentiment_score":-0.025393215141126087},{"text":"Now in regards to a risk profile there is well, we just quickly do an updated one to make sure your risk tolerance is in line with what we've got you invested there, Lauren.","start":905.625,"end":913.545,"sentiment":"neutral","sentiment_score":0.07295017755206894},{"text":"So I'll I'll just ask a few questions here similar to what you've answered previously.","start":913.545,"end":918.665,"sentiment":"neutral","sentiment_score":0.08925547550121943},{"text":"But you haven't made direct share investments since we last spoke?","start":918.665,"end":921.99,"sentiment":"neutral","sentiment_score":-0.03519217449833046}],"sentiment":"neutral","sentiment_score":0.020075664846835848,"channel":0,"num_words":107,"start":888.305,"end":921.99},{"sentences":[{"text":"No.","start":922.985,"end":923.485,"sentiment":"neutral","sentiment_score":-0.19360408186912537},{"text":"No.","start":923.785,"end":924.285,"sentiment":"neutral","sentiment_score":-0.18359915912151337}],"sentiment":"neutral","sentiment_score":-0.18860162049531937,"channel":1,"num_words":2,"start":922.985,"end":924.285},{"sentences":[{"text":"Yep.","start":924.29,"end":924.61,"sentiment":"neutral","sentiment_score":-0.07495201379060745},{"text":"No.","start":924.61,"end":924.85,"sentiment":"neutral","sentiment_score":-0.2054443806409836},{"text":"That's fine.","start":924.85,"end":925.51,"sentiment":"neutral","sentiment_score":0.016189306974411007},{"text":"And then in regards to inflation, obviously, the cost of living keeps going up.","start":925.89,"end":929.01,"sentiment":"neutral","sentiment_score":-0.16960487301860536},{"text":"You know, the fuel price just in the last few weeks has jumped by 40¢, so that's a bit rough.","start":929.01,"end":932.77,"sentiment":"neutral","sentiment_score":-0.19522332674578616}],"sentiment":"neutral","sentiment_score":-0.17112781651116707,"channel":0,"num_words":38,"start":924.29,"end":932.77},{"sentences":[{"text":"But are you still willing to take on a moderate amount of risk to try and outpace inflation and get a return in your superannuation?","start":932.77,"end":939.33496,"sentiment":"neutral","sentiment_score":0.08816959410905838},{"text":"You're comfortable, like, with that sort of moderate risk for moderate returns at the moment?","start":939.475,"end":942.935,"sentiment":"neutral","sentiment_score":0.22582456668217976}],"sentiment":"neutral","sentiment_score":0.1397902088239789,"channel":0,"num_words":40,"start":932.77,"end":942.935},{"sentences":[{"text":"Yeah.","start":943.10004,"end":943.42004,"sentiment":"neutral","sentiment_score":0.1753745675086975},{"text":"Is that good?","start":943.42004,"end":944.62,"sentiment":"neutral","sentiment_score":0.06975144644578297},{"text":"I don't know.","start":944.62,"end":945.18,"sentiment":"negative","sentiment_score":-0.4046380619208018},{"text":"I wouldn't have a clue, to be honest.","start":945.18,"end":946.72003,"sentiment":"negative","sentiment_score":-0.3457850646227598}],"sentiment":"neutral","sentiment_score":-0.23970438639322916,"channel":1,"num_words":15,"start":943.10004,"end":946.72003},{"sentences":[{"text":"Yes.","start":947.33,"end":947.73,"sentiment":"neutral","sentiment_score":-0.10420535504817964},{"text":"So given your age there as well, Lauren, because you are on the younger side of things, you've got, like, twenty seven years before you could even access the money if you wanted to, which is a long time to be invested.","start":947.73,"end":956.79,"sentiment":"neutral","sentiment_score":0.025572832851182847},{"text":"And over","start":957.09,"end":957.49,"sentiment":"neutral","sentiment_score":0.04439271427690983}],"sentiment":"neutral","sentiment_score":0.02352531229456266,"channel":0,"num_words":45,"start":947.33,"end":957.49},{"sentences":[{"text":"Yep.","start":957.455,"end":957.955,"sentiment":"neutral","sentiment_score":0.03789238631725311}],"sentiment":"neutral","sentiment_score":0.03789238631725311,"channel":1,"num_words":1,"start":957.455,"end":957.955},{"sentences":[{"text":"that period of time, like, generally, it doesn't matter what types of investment you choose, it will end up higher above them.","start":957.49,"end":963.675,"sentiment":"neutral","sentiment_score":0.08684849620542744},{"text":"And given if you have a higher allocation to growth assets and holding it for that longer period of time, when it does take a bit of dip in times like, you know, now when there is a war, It's just you have the time to recover from those dips even like the GFC a few years","start":963.675,"end":977.39996,"sentiment":"neutral","sentiment_score":-0.029251066216251308}],"sentiment":"neutral","sentiment_score":0.003080457496114924,"channel":0,"num_words":79,"start":957.49,"end":977.39996}]},"summary":{"result":"success","short":"Kyle from OP Financial contacts Lauren to discuss her scheduled booking and offers to provide her with information about a policy that couldn't be covered due to health insurance. Lauren explains that she needs a not guarantor form to update her phone number and discusses her annual review. The agent confirms her email and explains that she needs a not guarantor form to update her phone number. They also discuss the customer's qualifications and work experience, as well as their risk tolerance and willingness to take on a moderate amount of risk to outpace inflation."},"intents":{"segments":[{"text":"Hopefully, it Not doesn't a pro take long. It's just, yeah, to get out the health insurance or life insurance, if yeah. Not a problem.","start_word":87,"end_word":111,"intents":[{"intent":"Discuss insurance","confidence_score":0.010623154}]},{"text":"In regards to everything else that you aren't due for that annual review, I know sort of towards the end, Lendly, last year did sort of come up, but we just didn't have a chance to discuss it when we last had a conversation. Would you have time to run through just a quick update there in regards to everything for your annual review? Yeah.","start_word":627,"end_word":691,"intents":[{"intent":"Update annual review","confidence_score":0.07916106}]},{"text":"So I can get them to resend that, but the obviously, updating the phone number, that's used for, like, security update purposes if you weren't able to access your account.","start_word":967,"end_word":996,"intents":[{"intent":"Update contact information","confidence_score":0.28376773},{"intent":"Update contact information","confidence_score":0.08762966}]},{"text":"Do you have an email that like, a printer at home that we could just email you the forms and you'd be able to print them and complete them and scan them back? Yeah.","start_word":1139,"end_word":1172,"intents":[{"intent":"Print forms","confidence_score":0.23796879}]},{"text":"Otherwise, I can give you the postal address of the place that I'm at in Brisbane.","start_word":1201,"end_word":1216,"intents":[{"intent":"Provide postal address","confidence_score":0.26600957}]},{"text":"So with that one there, what's your sort of title with your new role?","start_word":1318,"end_word":1331,"intents":[{"intent":"Evaluate job title","confidence_score":0.001114224}]},{"text":"So it changes every week, but I calculated it the other day. I think it should be around 111,000 a year, I think. But it's on average, 1,700 a week After tax?","start_word":1710,"end_word":1741,"intents":[{"intent":"Calculate superannuation amount","confidence_score":0.006678646}]},{"text":"And then do you know roughly what that car was worth when you bought it or what's worth at the moment?","start_word":1994,"end_word":2014,"intents":[{"intent":"Confirm car value","confidence_score":0.011580064}]},{"text":"as far as savings, given that you did receive inheritance and things like that as well, do you know roughly how much you do have in savings now?","start_word":2056,"end_word":2083,"intents":[{"intent":"Provide savings","confidence_score":0.044095077}]},{"text":"Just the car loan. Yeah. That's it. I pay 275 at the moment in rates a week. But that'll change then because I'm gonna move out and live by myself. Okay.","start_word":2160,"end_word":2190,"intents":[{"intent":"Discuss insurance benefits","confidence_score":0.00014263071}]},{"text":"to not something you should be concerned about or anything that you should probably get, like, a a check or anything just before canceling insurances is the reason I sort of asked. No.","start_word":2217,"end_word":2249,"intents":[{"intent":"Inquire about insurance cancellation","confidence_score":0.00035726035},{"intent":"Express concern about health","confidence_score":0.08955726}]},{"text":"Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup.","start_word":2264,"end_word":2288,"intents":[{"intent":"Describe general checkup","confidence_score":0.00025015348}]},{"text":"And as far as private health at the moment, have you got private health cover?","start_word":2339,"end_word":2353,"intents":[{"intent":"Assess private health coverage coverage requirements","confidence_score":0.0016356917}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hi, Lauren. This is Kyle calling from OP Financial. This is in regards to your scheduled booking.","start_word":0,"end_word":33,"sentiment":"neutral","sentiment_score":0.0612497441470623},{"text":"Thanks.","start_word":34,"end_word":34,"sentiment":"positive","sentiment_score":0.4065527021884918},{"text":"Please stay on the line. Hello? Hi, Lauren. It's Kyle from Oakview. How are you today? Not too bad. Sorry. I'm just walking dogs, so it's a bit windy. I apologize. No. That's perfectly fine. Are you still happy to have the conversation now? Yeah. Yeah. That'd be good. Yeah.","start_word":35,"end_word":84,"sentiment":"neutral","sentiment_score":0.0953073874115944},{"text":"Thank you.","start_word":85,"end_word":86,"sentiment":"positive","sentiment_score":0.3780369758605957},{"text":"Hopefully, it Not doesn't a pro take long. It's just, yeah, to get out the health insurance or life insurance, if yeah. Not a problem. Just to discuss that one, Lauren, if I could just pass you through Secure with that name, date of birth, and current address. Thank you. needed. Yeah. Sure. Lauren Courtney Thomas. I have my birthday, the 1993, and my current address is 10933.","start_word":87,"end_word":154,"sentiment":"neutral","sentiment_score":0.04608217626810074},{"text":"Perfect. Thank you for that one.","start_word":155,"end_word":160,"sentiment":"positive","sentiment_score":0.4566163420677185},{"text":"Now in regards to that one, could you do hold that policy for the income protection? Is that the one you were looking to remove? Yeah. Like, I just if anything were to happen to me, I think that, like, I'd have enough money now to kinda be able to live off anyway.","start_word":161,"end_word":213,"sentiment":"neutral","sentiment_score":-0.14315176010131836},{"text":"So that's why I just feel like it's probably a bit of waste of money for me to be paying what was over a thousand bucks, I think, to have it on.","start_word":214,"end_word":245,"sentiment":"negative","sentiment_score":-0.41280558705329895},{"text":"So, yeah, that's that's mainly why. But, hopefully, nothing happens to me. But Yeah. Because it is obviously the risk you run. So like you you said, sort of, given that you don't have a huge amount of debts or anything like that, it's mainly for an event that you couldn't work, like, your normal sort of occupation, there's a chance you'd be able to claim on that income protection policy, which is all the way to the age of 65.","start_word":246,"end_word":326,"sentiment":"neutral","sentiment_score":-0.21858346462249756},{"text":"So you are unable to work.","start_word":327,"end_word":332,"sentiment":"negative","sentiment_score":-0.33632534742355347},{"text":"That's what you sort of the benefit and risk mitigation you're paying to, the fact that if something were to happen, if you were to make a successful claim that you are covered and you would have that level of income, Yeah.","start_word":333,"end_word":374,"sentiment":"positive","sentiment_score":0.4795928299427033},{"text":"although you Yep. may have some form of, like, yeah, savings for now, but if you that was to go on for, like, a significant period of time, say, like, broken back, things like that, that's what that policy would sorta cover for. And then Yes.","start_word":375,"end_word":420,"sentiment":"neutral","sentiment_score":0.024312598630785946},{"text":"you're right.","start_word":421,"end_word":422,"sentiment":"positive","sentiment_score":0.4292046129703522},{"text":"And so the total premium would be around a thousand dollars, but that is paid out of your your superannuation for that income protection, if that makes sense. Yeah. Yeah. No. That makes sense. No. It's all good. I'll still get rid of it. I just I've been thinking about it for a while.","start_word":423,"end_word":476,"sentiment":"neutral","sentiment_score":0.06263920664787292},{"text":"I just don't think it's I really need it.","start_word":477,"end_word":485,"sentiment":"negative","sentiment_score":-0.3761911690235138},{"text":"Like, I think it's just something that, yeah, I'm paying for. Yep. I've got, like, some inheritance that I've got recently and yeah. So I just think that it's probably best to I might put it back on later when I'm a bit older, but for now, Yep. I Yeah. probably No. That's fine. Obviously, don't the risk in regards need to that it. one is, obviously, when you're younger, like, you don't really have any health issues.","start_word":486,"end_word":563,"sentiment":"neutral","sentiment_score":-0.08339489251375198},{"text":"If anything was to arise sorta down the track, it may end up being an exclusion on a newer policy.","start_word":564,"end_word":583,"sentiment":"negative","sentiment_score":-0.3942817747592926},{"text":"In addition to that one, Yep. you would have to go through underwriting to skin your policy. So if you're comfortable, you know, being self insured and the risk of not having insurance and canceling your insurance, that's more than fine. Yep. In regards to everything else that you aren't due for that annual review, I know sort of towards the end, Lendly, last year did sort of come up, but we just didn't have a chance to discuss it when we last had a conversation. Would you have time to run through just a quick update there in regards to everything for your annual review? Yeah. That's fine. If I can you still hear me? I'm just putting my phone in my bag. Can you still hear me like that? Yeah. It's a little bit muffled, Yeah. but as long as you're fine, that's more than fine. Alright. Let me know if you need me to say something again. Yeah. Not a problem. Well, I will just run through and just confirm a few details in regards to your sort of life circumstances. Because I know you did change roles as well with the department there of veteran affairs. So I'll just confirm a few things here. So in regards to your email, is it still iCourtneyt27@Gmail.com? Yep. Yeah. Oh, Courtney. Yeah. Yep. That's Oh, still l the Courtney. same one. Sorry. Yep. Yep. In regards to your details too since you last moved as well, I don't believe you completed the change of details form that we did send out in regards to changing your updated details. Let me just double check and see. I thought I was I meant to. I think they got posted, and then I thought I did, but I might not have. Because I believe we updated the the email address, but the number might be slightly different. Let I me just needed, like, a not a guarantor, but, like, I needed a witness or something. Is that that one? that's the beneficiary form. So within Yeah. regards to the number we've got, obviously, the number of calls you want, which ends in 287. But on your account, you have your old number of 900. Yep. So that was what that form was in regards. So I can get them to resend that, but the obviously, updating the phone number, that's used for, like, security update purposes if you weren't able to access your account. That in regards to that in your email, which you do need to complete a change of details form for a number. We obviously updated the the address, Okay. but Yeah. their number has to be updated through that. And then you're correct in regards to the beneficiary forms there as well are outstanding. But we'll get Oh, those, okay. yeah, we'll I thought get those I did that. I'm sorry. Oh, Yeah. okay. I don't know what happened there. Because I remember the witnessing thing. So I I don't know what happened there, but alright. If No you worries. yeah. There isn't one on the account. I believe we received them. Did you send them back via email or through the Through the post is what I thought. No worries. post? Okay.","start_word":584,"end_word":1128,"sentiment":"neutral","sentiment_score":-0.006067252463293732},{"text":"They might have gotten lost in the the mail there.","start_word":1129,"end_word":1138,"sentiment":"negative","sentiment_score":-0.4023630321025848},{"text":"Do you have an email that like, a printer at home that we could just email you the forms and you'd be able to print them and complete them and scan them back? Yeah. Yeah. So I'm in Brisbane still, but I'm in the office next week. So I'll be able to do it I'll be able to print them next week. Otherwise, I can give you the postal address of the place that I'm at in Brisbane. They might just not get there at the moment. So what we'll do is we'll email you the forms, and you can just print them and sign them and scan them back. That way, at least, we don't get lost in the mail again. So I'll get them to do that to the change of details form and then regards to your beneficiary forms there as well. Now in regards to your occupation, I know you did mention you're working at the Department of Veteran Affairs, but you didn't sort of give us too many details in regards to that. So with that one there, what's your sort of title with your new role? It's a mental health clinician is what the title is. Yeah. And then with that, are you working you said you work in an office there. Are you in the office full time? Do you sort of go to other people's houses? Or No. So I work from home. Probably 75% of the time, I'd say. And, no, it's no home visits, which is good. It's just all phone work. Yep. So 75% home and then 15 Yep. percent in office? Yeah. Yep.","start_word":1139,"end_word":1413,"sentiment":"neutral","sentiment_score":0.06689017541029237},{"text":"Perfect.","start_word":1414,"end_word":1414,"sentiment":"positive","sentiment_score":0.5379676818847656},{"text":"And then is it just sort of mental health counseling for veteran affairs? Yeah. So intakes and yeah. So kinda like suicide risk assessment, family violence risk assessment, crisis sort of stuff, but via the phone. Yep. And then within regards to your qualification, I don't think we've ever had it previously listed, but did you do a diploma or a bachelor's? Or I have a master's in social work.","start_word":1415,"end_word":1484,"sentiment":"neutral","sentiment_score":0.06210465729236603},{"text":"perfect. I'll just make a note of that. Thank you.","start_word":1485,"end_word":1494,"sentiment":"positive","sentiment_score":0.4898742437362671},{"text":"And then as far as this role here, you've probably been doing that, what, like, six months now? Yeah. Six months. Yep. Yep. And this industry experience, how much do you have industry experience wise? From when I started? Yeah. Just in the industry. I've been a social worker. I've been in the field for ten years. This year? Perfect. And then with that, are you working full time at this new role? Well, they're full time hours, but at the moment, I'm, like, contracted. So it's shift work. It's over a twenty four hour roster. But they wanna they were we work the same hours as someone would expect full time. So, like, thirty eight hours. Do you get sort of holidays and things like that as well still? No. So we get paid more, but we don't get, like, annual leave or sick leave. Okay. No worries. And do you get superannuation with that contract work, or you have to pay your own? No. No. Super is part of it. Okay.","start_word":1495,"end_word":1667,"sentiment":"neutral","sentiment_score":0.012108451541448604},{"text":"Should That's be good.","start_word":1668,"end_word":1671,"sentiment":"positive","sentiment_score":0.5154097676277161},{"text":"going in there. It probably is. I just didn't pull it up in front of me there. Okay. And Cool. do you know roughly roughly in regards to your income what you're on, like, in a gross amount? So it changes every week, but I calculated it the other day. I think it should be around 111,000 a year, I think. But it's on average, 1,700 a week After tax? after tax. Yeah. It's about 3,500 or something before tax.","start_word":1672,"end_word":1751,"sentiment":"neutral","sentiment_score":0.07657459378242493},{"text":"Perfect.","start_word":1752,"end_word":1752,"sentiment":"positive","sentiment_score":0.5742055177688599},{"text":"And as far as, like, your expenditure versus your savings at the moment, do you know roughly what your outgoings versus what you're putting away are? Like, how much is in my savings? Or So, like, on a weekly amount, like, do you break up your income to, like, sort of this goes to bills and this is how much I wanna be putting into savings sort of thing? Not really. But I think I probably could've weighed out at least 500 a a week saving. Yep. And as far as your expenditure, you're a little unsure of what your outgoings are each Yeah. week? Yeah. Yeah. Yeah. That's not true. No problem. That's fine. And as far as additional contributions to superannuation or anything like that, is it something you've thought about? Is that something you wanna look at? Are you happy at the moment? No. Just I'll just leave it as it is at the moment. Yep. Not a problem at all. And then within regards to your Assenant side, because it sounds like it has changed a little bit. I know you had the car worth around 18,000. Is that still the same car? No. I sold that car. I traded it in and bought a new car, and I paid off 10,000 up front. And then I had a loan for, like, I have a loan for about $20, and I paid $2.50 a fortnight for it. And then do you know roughly what that car was worth when you bought it or what's worth at the moment? It was 45,000 when I bought it, And I'd say, I don't know, it's about six months old as well. Let's say well, obviously, you're not gonna sell it anyway, so I'll just put the the purchase amount there. And Yeah. as far as savings, given that you did receive inheritance and things like that as well, do you know roughly how much you do have in savings now? Well, I don't have it yet. So, basically, long Okay. story short, my parents are selling us a childhood home and Yep. but the house hasn't sold yet, but they're giving us a 100,000 from that sale to put towards our own place. So I have the 100,000 coming in, but outside of that, I've got 20,000 in my own savings.","start_word":1753,"end_word":2144,"sentiment":"neutral","sentiment_score":-0.004632123256558362},{"text":"Perfect.","start_word":2145,"end_word":2145,"sentiment":"positive","sentiment_score":0.61827552318573},{"text":"And then as far as any other assets, liabilities, do you have anything else? Just the car loan. Yeah. That's it. I pay 275 at the moment in rates a week. But that'll change then because I'm gonna move out and live by myself. Okay. Not a problem. And then as far as your health's been for the last twelve months, no unexpected changes or anything like that in regards No. to not something you should be concerned about or anything that you should probably get, like, a a check or anything just before canceling insurances is the reason I sort of asked. No. Nothing I nothing at all that I can think of, to be honest. Yep. Just obviously, you know, we do sort of recommend that, you know, before canceling insurances completely, you do generally just get a a general checkup. But if you're comfortable not doing that still and canceling your insurances, that's fine. But it always sort of is just good practice. But given you are younger, Yes. there's probably nothing would come from it anyway, and you're sort of Yep. a rare for the risk, so that's fine. And as far as private health at the moment, have you got private health cover? No. I looked at it, but, I mean, I'm seeing this video at the moment. So I looked at it briefly, but I don't even think that it's worth a full year of coverage. If with the limited amount that I go to the physio and dentist, I just yeah. So, yeah, I looked into it, but, no, I'm I don't have it. Yeah. No. That's fine. So within regards to that, you know, once you sort of turn 30 each year after that, like, it does increase in price as well, which is just something to be aware of if you did wanna potentially get in the future. It obviously does they Yep. add, like, a loading to it. That will stay there for ten years even if you take out a policy and continue to pay a policy. It's just something to be mindful of. We obviously don't make recommendations in regards to general health insurances anyway. It's just something you should be aware of. But if you're comfortable sort of not having that and if your income were to you know, given that you are on that higher income amount as well, you might end up paying, like, a bit more in Medicare levy as well, just depending, on your take home pay, versus, like, if you did have the private health cover, if that makes sense. Yeah. No. That that's perfectly fine. Anyway. Yeah. So it's just important to note that, you know, if it's you're in an industry that you're sort of looking at increasing your your income there as well, you may be liable sort of additional Medicare levy costs given that you are sort of up over that 100,000 now as well. And in regards to estate planning matters, have you managed to sort of think about that, setting up a will, things like that as well? No.","start_word":2146,"end_word":2668,"sentiment":"neutral","sentiment_score":-0.059519698711585814},{"text":"Not.","start_word":2669,"end_word":2669,"sentiment":"negative","sentiment_score":-0.3389884829521179},{"text":"Not yet. Yeah. No. Maybe That's first panel line, but not no will. Okay. yep. Yep. And no problem. So, obviously, we're still gonna chase you up on the beneficiary forms for the non estate asset, which is your superannuation Hopefully. there. Just in the event that anything Yep. did happen because, otherwise, it does go to your will. Given that you don't really have any dependents that would sort of fall under this law anyway, it's likely to sort of you direct it to your will to be distributed through, like, a will just because, Yeah. you know, if you wanna leave it to, you know, brothers, sisters, parents, things like that, they aren't sort of valid nominations unless you're caring for them in in some sort of way. But, yeah, that's just something to be to be mindful of there as well. Now in regards to a risk profile there is well, we just quickly do an updated one to make sure your risk tolerance is in line with what we've got you invested there, Lauren. So I'll I'll just ask a few questions here similar to what you've answered previously. But you haven't made direct share investments since we last spoke? No. No. Yep. No. That's fine. And then in regards to inflation, obviously, the cost of living keeps going up. You know, the fuel price just in the last few weeks has jumped by 40<unk>, so that's a bit rough. But are you still willing to take on a moderate amount of risk to try and outpace inflation and get a return in your superannuation? You're comfortable, like, with that sort of moderate risk for moderate returns at the moment? Yeah. Is that good?","start_word":2670,"end_word":2959,"sentiment":"neutral","sentiment_score":0.04383537173271179},{"text":"I don't know. I wouldn't have a clue, to be honest.","start_word":2959,"end_word":2970,"sentiment":"negative","sentiment_score":-0.3856148421764374},{"text":"Yes. So given your age there as well, Lauren, because you are on the younger side of things, you've got, like, twenty seven years before you could even access the money if you wanted to, which is a long time to be invested. And over Yep. that period of time, like, generally, it doesn't matter what types of investment you choose, it will end up higher above them. And given if you have a higher allocation to growth assets and holding it for that longer period of time, when it does take a bit of dip in times like, you know, now when there is a war, It's just you have the time to recover from those dips even like the GFC a few years","start_word":2970,"end_word":3093,"sentiment":"neutral","sentiment_score":0.009016852675666731}],"average":{"sentiment":"neutral","sentiment_score":-0.0028960114306799747}}}}