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I have it on Max now as well. Can you hear me any better? Okay. I'll I'll try to be a bit louder louder for you, and I'll just have to apologize for my colleagues if I'm yelling. If you can't hear me, though, just just let me know, and I'll, yeah, I'll I'll try my best. I do have you booked in for your interview. Now is still a good time? Yeah. No. Okay. Perfect. If you do need to just wait a minute or two, just let me know. Yeah. Perfect. Now I have to send you an email as well. So later when you have a bit more time, just have a look through them. If you then have any questions, you can just let me know. But, otherwise, I'll be happy to run through them with you now. And, yeah, like I said, any questions, you can always give me a callback later when you have a bit more time. Perfect. Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really. Yep. Yep. Yes. Yeah. Yeah. Yeah. Yeah. No. No. No. That's and that's totally fine. That's usually what the review is about as well. So some people have, you know, specific things they wanna focus on or areas they'd like to address. So depending on what's changed in their life, then I'll focus more on those. But most of the time, to be fair, people are just like, no. Nothing major. Like, just to see what's happened. And it's a good kind of check-in point. And the purpose as well is to see, you know, if there is anything major that has changed in your life, if you need to tweak and change the advice. Because it's one of those things we don't wanna just, like, say and forget because things are always changing, market's always changing, which has been a lot in the last twelve months as well. So it's a good checking point just to make sure that advice is still appropriate for you, but then also to give you a bit of a check-in to see, you know, where things are at, where's insurance is, how's super, and everything like that. So, yeah, it's a bit of a checking point, but what I'll do then is I'll just kinda first go through a bit of an updated fact sign with you there, Renee, just to see if there's anything that has changed, if we do need to make any tweaks and changes. So just kinda bear with me as I run through this information here. Now when it comes to your personal information, I have you down here as single with no financial dependent. Is that still correct? Yep. Perfect. Now it doesn't look like I have a next of kin on file for you. So in the event that something were to happen and we can't get in touch with you, who is someone that we could call, and that can be anybody? No. It it uh-uh. Yeah. Yeah. And and that is fine because if it is it's only in the event of, like, you go completely MIA and we can't get in touch with you just to make sure you're okay and stuff. And and if that's the case, we would we would definitely get in touch with her a couple of times. But then also, like, send her an a text message or, you know, leave a voice message if she knows it's us and not just the spam. So that is fine. Now what is her name, please? Perfect. And same last name as you? Yeah. Now do you know her best contact number by any chance? Yep. Four 0464. That's a pretty easy number. A lot of sixes and fours. Now employment wise, has any of that changed for you, or it's still kind of all the same? Same? Perfect. Now I have income here at around 195,000. Yep. That'd be the same. Yep. Yes. Perfect. So it's nice with a little pay rise. Yeah. Oh, massive. And do you have private health insurance as well? Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Because it's one of those things. A private health insurance, we don't do. So I am sorry if someone did tell you that because it is it is personal. Like, it's different. So we obviously do your your life insurance, your sort of permanent disability income protection, and all of that. But private health is like your general insurance. It's the same, like, kind of categorized, like, car insurance and stuff, which which we don't do. Now I can have because it's so usually so specific in terms of which which brand and stuff like that to have a look at. I'll have a look with the the team if we have it. Like, I know we had a contact when it comes to mortgage and car insurance and home and content insurance. I don't know if they do private health, though. I'll have a chat to them. And if they do, are you happy for me to pass on your contact details to them? Yeah. If they correct. If they do private health, then that will be the case. I just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that. I'm sorry. Car insurance that we would refer them to. I'll have a chat to them in regards to private health and see because it is something I would strongly suggest you to look at because of your high income. So because of yes. And it is a tedious thing and yeah. Yeah. That's not good. Okay. Well, I will well, what well, especially, yeah, well, especially with your income. It's like you don't wanna pay any additional tax, and you are at the moment. So what I will do is I promise you I will get in touch with them and find out. And if I speak to them and they say they don't, I will send you an email so at least you know that I've followed up and confirmed. And if, yes, and if they exactly. And if they don't, I'll see if they know someone who does. And that way, there's at least a contact. Hopefully, the person I do know that like I said, we've done a lot with, like, car loans and home and content insurance and stuff. They would do it because it kind of falls in the same category. But if not, I will see if I can, yeah, find someone a contact for you at least. And if I can't, I will send you an email regardless just letting you know that I have tried my absolute best to find a contact so that you at least know. Yeah. Perfect. No. Definitely. And, obviously, hopefully, before the end of the financial year as well. Sorry. I was trying to get on that as soon as possible. Otherwise, health and lifestyle wise, any changes or it's all the same? Yeah. Yeah. I have you down here as a smoker with no medications, like, no significant health issues. Yep. Yeah. Perfect. No. That but then life gets in the way and, you know, it happens. That's great. Yeah. One thing one thing at a time. I can't do everything. And when it comes to assets and liabilities, I have here that your property was last died at about $7.50. Is that still roughly the case, or do you know if that's gone up a little bit? Oh, nice. Yeah. Oh, wow. Alright. I'll update that through about one one. That's nice. That's a nice low increase. And I have mortgage about 674,000. Yep. Yep. Yep. Yes. Do a bit of a upgrade. No. That's good. And, also, do you have the motor vehicle by that about 15,000 still as well? Yep. Okay. I'll leave it with my tenant. Yeah. And it's one of those things as well usually depreciates cars, unless it's like a special classic car or something fancy. Yeah. Yeah. Exactly. And, otherwise, I have savings about 17,000. Beautiful. 33. Now any other new assets in the last twelve months? Any boats or motorbikes or something else? No? Oh, that's nice. Nice. What kind of? Oh, nice. Yeah. Oh, fuck. No. No. Perfect. And any other liabilities? No? Perfect. Yep. Just just the same. Yep. No. That's yeah. Okay. Yep. Yeah. Exactly. Yep. That'd be good. Otherwise, when it comes to estate planning wise, do you have a will in place? Nope. That's okay. Or anyone who makes any financial decisions on your behalf at all? Nope. That is totally fair. Leave it with you. And when it and when it comes through beneficiary, so if something ever were to happen to you, because I can see here that your for your super and your insurances, we don't have a nomination on file. Do you have someone you would like to make sure that the funds go through if something were to happen to you? Have you thought much about it? Yep. Yes and no. It definitely can be for sure. It's just a different way of setting it up. So because there's so many clients where it's like, well, if you don't have a partner or financial dependence or you just choose like, so many people give it to their brothers or sisters or cousins or nephews and nieces to super comment or parents or a friend or non for profit. You can definitely do it. It is just a different way of setting it up. So to make it directly through super because of the CIS Act, it has to be a spouse, a child, financial dependent, or someone that you are in an interdependency relationship, which essentially is just someone who must be financially dependent on you at the time of your passing, you know, live together, providing support, and stuff. So a lot of people don't fall into this category. So the way through go around it is that on the actual form, you would say that you want a 100% nominated through your legal personal representative. What that would then mean is that it reversed it back to your will. So downside is you do have to then get a will set up. But then in the will, you can stay for, like, whoever you want. So that could be your dad could have been your dad. Sorry. Your your sister, friends. It can be anybody, whoever you want. So it would then definitely still go to them. The reason you have to do it this way is because your super and insurances does not form part of your state automatically. So you wanna avoid the trustee of the super insurance to determine where things go if something ever were to happen to you. So it is a little bit more painful having to do it through the world, but then at least that way, it's airtight of who we will go through. So we can definitely do. If you don't do anything, what could happen is the trustee can make a decision, and they could determine someone that they think is suitable, but you could also have people trying to make a claim. So if there's ever a ex partner or if there's a dispute within the family or if I don't know if you have multiple siblings, they can fight over what goes to whom. So it could then cause issues and people trying to make a claim where that's not who you would actually want it to go to. So that will be kind of the risk why not having anything. Yeah. Yeah. And that's you don't want then and that's often what can happen. And sometimes, unfortunately, when families do pass away, it brings out sometimes the worst of people when it comes to money. So yeah. So would you do you have access to a printer or not really? Nope. No. That's okay. So what I will do, Renee, is I will get the team to repost these forms to you. Sorry. Can you hear me? Yes. I will post them to you. That way you have them, and then have a think about it. You can always just complete these forms anyway without a will for now. That way it's enforced, and you don't ever have to change it. And then when you do get your will, you don't have to contact us on changing these forms. And if there's ever any changes to who you wanna nominate, you can just update the will because these form stays in place so you can assess the will. Then you can update the will however many times you want. Does that make sense? Yeah. Yeah. Sorry. Yeah. Okay. Oh, yeah. Eight yeah. Okay. No. Yeah. No. And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from. So I can get the team to prefill this for you if you would like. But because you are making a nomination, you would just have to obviously sign it and get a witness yourself. But I can get a prefill based on what you want today, so I can prefill it through the will. Now there are two different types of nominations otherwise, which you can have a binding or a nonbinding option. Basically, what it means yeah. So a binding means that it's basically bound, so the trustee of your superinsurance are bound to follow your wishes. So that gives you the most amount of certainty. And nonbinding means that you say, this is what I want to have happen, but at the end of the day, they can then choose where they wanted to go. Which one would you prefer? Yes. That is what most people go to binding because that gives you the certainty. No one it's the only reason you typically you would only have a nonbinding is because not every super fund allows it. But for you, they do. Sorry. Sorry. Correct. Correct. It is exactly. Now you then have lapsing or non lapsing. Lapsing means that every three years, you have to recomplete the form. Non lapsing means it stays in place until you decide to change it. Non laxity. Yeah. Again, that's what most people would choose so you don't have the hassle, especially with the will, because if anything change, you could just update the will. Yes. Oh, careful. Now I will get these prefilled for you, and I will get them reposted. And then let me know how you go. And if you do end up getting a will and if it's not through a lawyer, if you just do, like, a will kit yourself or something like that, if you would like us to keep a copy on file, you can always email it to me, and then I can keep on file along with the other documents to make it easy as well. Yeah. No. Not really. Because it's just a matter of, like, you you can you can take however long you want to do the forms. That's fine. It doesn't change unless we somehow change your insurances or change your super funds. But if not, there's no time. The only thing is, obviously, it is advised to do it as soon as possible. So if something were to happen, we have it in place. But if you take like, there's no time, it doesn't expire. Yeah. Yeah. No. No. Alright. That's annoying. Yeah. Or no. That is that is very strange because, no, usually, you like, if we send you the forms, if you have the form sitting at home for three months, that's fine. If you no. I haven't really had anyone through signing anything, and they've come back and saying it's outside a time frame. That's only TPAs. Is there anything sometimes? Like, if we were doing, like, a third party authority research on the previous super fund, that sometimes has an expiry. But these forms, no. Because, yeah, sometimes it's like, well, if I need to go and get a witness, and that can't be the person who I nominate. Like, if you because you're doing the well, it's fine, but it has to be witnessed by two people. So sometimes, you know, you don't have someone close by or I mean, you could get colleagues. You could do whoever you want, really. It just has to be two people that witness it. But, yeah, you don't always have time for that. So, no, there's no time frame of when you have to complete them. So you can take your time. Obviously, try to do it when you have a moment, sorry, if something were to happen. But, no, if it takes a month or two for you to send it back, that is fine. It won't expire. Yeah. Yeah. Yeah. Maybe not. Maybe yeah. Trust the neighbor. So, yeah, take your time or friends. So anyone, take your time. I will get them posted out through you anyway so you have them. When you get them, if you are confused, just call me, and we can always talk through it. I'll get it prefilled for you to make it easy. Yeah. Exactly. Yeah. That'll be annoying having to redo it, especially because, yeah, life gets in the way. And I know myself with work and stuff. And then you'll wanna you don't wanna have to redo it again. So I'll get it prefilled. And that way, you just have to sign it and date it, and that's all you have to do. Yeah. Perfect. Now, otherwise, I guess, kind of goal stuff that you are working towards, it's always good time as well during annual review to do a bit of a check-in to be like, okay. Well, what actually happened in the last twelve months? Did I achieve what I wanted to, or is that, like, a more of a long term goal? So I know that when you spoke to, I think it was my colleague, Dana, that you spoke to last time, your main focus was to reduce debt on your mortgage, put a pull in, which you obviously have, and then potentially upgrade the car within the next couple of years, which I know you kind of mentioned is still the goal with the car. But is that still kind of, like, your focus otherwise through reduced debt on the mortgage? Would you have any other specific goals you're working towards? Mortgage. Yep. That's the future thing. Yeah. But to be fair, it's like nowadays, it's like everyone is getting it later. And it's, like, maybe oversharing, but I'm 32, and I'm pregnant at the moment. And we happen on the first go. So so, you know, it's not all about that, and everyone was telling me the same. It's like, oh my god. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's correct. Yeah. Yes. And yeah. And it's hard because it's I mean, you're hearing it as well, and I think a lot of it is also, like, there's a lot of external factors and stuff. And, obviously, I'm not a health profession, so I don't know. But, obviously, lifestyle and everything like that, yeah, plays a role in one of my my best friend, she's 38, and they they just, you know, turned pregnant, and it was fun. But then I also have some other friends who are, like, late twenties, and they've been trying for years. So it's like I think people try to scare you a lot by being like, oh, you have to do it, but it's like it's so everyone gets kids later in life because you wanna, you know, you wanna have a career. You wanna have your job. You wanna have stability. You wanna have a house. And it's like, that can't happen by the time I'm 25. Like, it just won't. So exactly. So it you know, everyone's different, but I wouldn't stress too much because, yeah, you are you're you're younger than me, and everyone's different, but I wouldn't and sometimes stressing about it through as much as you do, it makes it worse. Yes. Because then you constantly put the pressure. You know? So I wouldn't stress if I were you anyway. Yeah. And it's very individual. But but, yes, I don't know if that helped him any worse. But yeah. Perfect. Now, otherwise, Renee, I guess when it comes to your superannuation, when it comes to your risk profile so I know you did a pretty extensive risk profile questionnaire with Dana last time, so I won't go through all of those questions with you again. But, essentially, we have you invested in a growth portfolio. Now just a little recap for you. Typically, when it comes to a growth portfolio, like a growth investor, what we would call it, is tailored for people who are looking at getting as much growth as you can out of out of your superannuation while you do have, you know, plenty of time until retirement. At the same time, someone who are comfortable seeing a bit of fluctuations in the market in order to achieve that growth long term. So short term will be some fluctuations. Some years might not be as great as others. But over the long term, the focus is then to tryna get as much growth as possible to take advantage of those kind of ups and downs and mark special, like, market niches, if that makes sense. Yep. And when it comes to an actual asset allocation, so how your money is invested, we typically see 80% in what we call your growth assets. So this will be things like Australian shares, international shares, property, and commodities, and that is what's going to give you that growth. But then we also wanna have some defensive to limit fluctuations a little bit, and we have about 20% of that. So that will be, like, your cash, your gold, your fixed interest, for example, to limit fluctuations a little bit. And just for your reference, when we're talking about a time frame, because that's also important, making sure you have enough time in the market. Because the the closer you get through a time and later, then that's when you wanna start slowly reducing that risk. Because if you wanna access your money tomorrow, you don't want that to be a bit of a dip. So making sure we have enough time. So in a growth portfolio, we wanna allow minimum six years to retire. So from a time frame, you are certainly have the time behind you. As long as that are you still comfortable with the level of risk and a growth portfolio? Are you still happy with all of that? Has any of your risk tolerance changed, or is it all kind of the same? No. Yeah. Yes. All good. Thought it's okay. Just calm down, buddy. Oh, really? That's annoying. Maybe you should have said, no. Someone has just bought it to stop parking there, please. Yeah. So stop it. Oh, that's annoying. That's annoying. Yes. Yeah. Well, there's heat up in, like, on on the Gold Coast. Obviously, you are a little bit further up, but I live more like Pacific Pines and stuff. And even where, like, Sandgate no. No. Sandgate. Where just off the highway, they are, like, building heats. Morongari or something at the back of there. Yes. Sky Ridge. Yeah. And even, like, when they started there, it was kind of, like, the same because there's, like, mass building. It's happening, and it's like, yeah, sometimes you just say and even, like, over in Sanctuary Cove. No. No. Yeah. And, like, sometimes as well there, you see that, yeah, these blocks of land, and people are just, like, dumping things in parking cars, and you're just like, that's just a bit rude. Yeah. Yeah. Oh. No. Yeah. Oh, that's it's it's so bad. No. Yeah. No. Just inconsiderate. Yeah. No. Just like, what if it was your land? Like, would you do that? No. Yeah. I can imagine. And it's heavy. It's heavy too. So it's like, oh, that's that's really annoying. Hopefully, you don't have it. Hopefully, you don't have too many more to go evaluations or photos to take of land. So we're we're almost okay. Perfect. We're almost finished. So what I the documents I mentioned earlier is I have send you send you through them. So have a look at them when you have a moment. Now what you will see in the email so when you do have a moment, when you click on the email, it will say sign now. Before you press sign now, at the bottom of the email, you'll see a couple of attachments. That is just for your reference. So you will see two documents that's called financial services guide and services guide. Now they are just kind of your compliance documents. It gives you all the important information in regards to us. Nothing has changed. Every time we do make a bit of an update, we'll send you a new one just for your reference, but none of the important information has changed. Now when you do have a look at it, you will, however, see photos of the the team directors, advisers. You will see myself in there if you do wanna put a face to the voice, and it's all in there for you. Now, otherwise, you will see a super and insurance summary document, and that just basically gives you a bit of a rundown of where things are at. So at the moment, you have your super with hub 24, and you have a $139,294 in there. Now yeah. Now you also have insurances with Neos. So I'll try to make it easy because you have a bit of insurances. Now you have inside super, you have your life and total permanent disability insurance. Now at the moment, you are insured for 1,319,850. Are you still happy with that level of cover, or what are your thoughts on your insurances? Sorry. For life, if you were to pass away, but then the biggest one is your total permanent disability. So that is something were to happen to you, and you could never go back to work again, which would obviously have a pretty substantial financial impact, especially being quite far from retirement. So the 1.3 mil, when I do have a look at when you spoke to Dana and you got the insurances put in place, it would pay off your mortgage completely so that, obviously, you're debt free, and then also cover your income after tax for just over five years. So that would give you a bit of a lump sum. So, obviously, there might still be a bit of a gap, but the more insurance you have, the more expensive it is as well. So 1.3 is pretty good at least for it will pay off the the the debt on the property and cover your income if something were to happen for a while. Yeah. It is one of those things that is so personal because it depends on their situation, but also their contributions is a big thing. So because we also wanna make sure that your contributions are completely eroded by the insurances. So for you, you have the capacity from a contribution wise to have a bit more cover in place to give you that. If something were to happen, a lot of other people might not. So we generally tend to work of about a 30% ratio where we don't want we we wanna make sure that your student continues to grow by still making sure you have cover in place. Now some people, their main focus is I just care about paying out the debt. That's it. I'm happy. Some people go, no. I have small kids, for example. I wanna make sure I cover private schools if something were to happen. Or, you know, my partner's not working, so I need to cover their you know, if something were to happen, it's all on me. So it is very individual. But for your reference, just so you can see price as well, so for your life and CPD at the moment, as well as your income protection. So the income protection is if you were temporarily unable to work, and it will pay you a monthly amount of 10,097. So pretty good there. Thirty day waiting period, so one of the shortest one, and then a five year benefit period, which is somewhere in the middle with how long you could be on claim for. Now all those threes are after tax, six thousand two hundred and sixty five. So if you want more cover, it will be more expensive. It's pretty good from where you are at in terms of covering, but then some people go, oh, I don't wanna pay that much, or I don't think I need that much. I just want my mortgage. But then you don't have extra if you need to make modifications to your home or, you know, whatever it might be. So it's quite individual to what your goals are as well. So what do you do you think you'll have to be with that from for the time being with the price and what you have? Or yep. Yeah. Correct. Yes. So we can always leave yeah. Of course. Yes. Sorry. And it's one of those things, too. Like, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client. But we can do it way more frequently. I have some client who wants to do six monthly. Some people want quarterly. It completely depends on you. So some people go, oh, I don't need that much. I'll let you know if anything changes, where some people really want that. So I can even put a little reminder for the team. Now let me see here. End of the year. So you're thinking, like, October ish? Yeah? Alright. I'll make yeah. Exactly. I'll make a little note. Sorry. Around October, I might do, like, October. I'll get the team to reach out to you to see if you would like to revisit it. If you have a think about it and then you go, no. I wanna do it early. You can always call me whenever, and we can always push it forward. Or if we call you in October and you go, I don't really have time right now. Let's do it in another three, six months. That's fine. But I'll put a little reminder to have a little chat to you at least in October unless we hear from you before just to touch base with the insurances. Otherwise, we will leave it now, and that's all in place. Now aside from that, you also have insurances you pay for out of pocket. So you have a split, TPD and IP, so meaning you have a portion paid outside super so you can get a a couple of additional benefits and better definitions of the policy, which is great, as well as a trauma cover for covering you for traumatic events. Now you have that. That was a tax free lump sum payment paid directly to you if something were to happen like that, and that is covering you for a 100 and 41,000. Now that is costing was that sorry? It's it is quite dependent on the definition of each insurer, but, typically, the biggest ones we would see are like, the ones that get paid out the most is, like, your heart attack, stroke, cancers, neurological condition. So it would be what they would call, like, your traumatic events. So if something were to happen so let's say that yeah. Like I said, the biggest ones is, like, cancers and stuff, heart attack. Because let's say, in theory, if you have a bad heart attack, you go to hospital, but then, technically, you could be fine to go back to work within two weeks, maybe three weeks. You're not gonna get paid income protection because you are back at work within the waiting period. But you might want to take some time further time off. You might want to have someone come and stay with you to assist, or you might need to see a heart specialist or whatever it might be. This is when this come in really handy to give you a tax free lump sum to assist if anything were to happen. And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that. Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you. Yeah. Yes. So if anything ever happens, though, if you're unsure like, if anything ever were to happen, like, if you get a significant health, you know, injury or a diagnosis or anything and you're not sure, you can always just call me, and I can check it for you, especially that that trauma. But or if anything were to happen and you can't work for any period of time, again, just call me, and we'll see if we can get, you know, any insurances paid out for you. So you don't ever have to speak to the insurance directly. You can just call me, and they will will do that for you. Yeah. No. That's okay. But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for that. Yes. Yeah. Usually, it's just yeah. Exactly. Just direct debited. So that is good. You do have lots of amount of cover there, which is good. Now, otherwise, in the document there in the email, you will see certificate of currency for you. It basically just breaks down the insurances I just touched on in a bit more information if you do wanna have a read over it. But, otherwise, just let you know that's all paid and and up to date. You'll also have a Vanguard index chart. This one's here. It's just kind of been added as it is a good representation of what we are talking about when we're talking about the market. But, basically, when you have a look at it, it's a bit of a graph dating back to 1995 through to 2025. Makes more sense when you have a look at it, but it shows you kind of all the ups and downs in the market. But overall, you will see that market always goes up long term. Short term, depending on what is going on in the world, you will have some ups and downs and market fluctuations. And then the last document you will have is your performance report, and that basically breaks down all your individual investments and what has happened in the last twelve months. Now over the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've seen a bit on the news and everything like that as well. So we had obviously everything in The US going on with Trump and tariffs and everything, and, obviously, more recently, the war. So we have seen quite a bit of fluctuations in the last twelve months. But despite that, your portfolio is still up, which is good. So it is up after fees by about 4.77%, which might seem modest compared to, you know, other times, but it is important to recognize that they are across the different markets that has been quite uneven this year. And if we do kind of break down the individual investment, we can see that a large portion of the global market markets that you have in your portfolio have done really well. So we saw kind of the biggest contributors from The US market through the S and P 500 for you. We saw a really good contribution. We also saw a lot a lot of the tech companies and stuff do really well. Your gold was doing really well. So, overall, we saw good exposures from there. But at the same time, you know, the way that your portfolio is put together, it is also to complement each other. So where some areas might do really well, there might be other areas that might not that kind of complement each other as well. So we don't wanna have everything into one sector or region or area. So at some point, it's amazing, and then other years, it's, you know, going down by quite a bit. But we wanna obviously balance it out for you. So some of the areas I've seen a bit more fluctuations, the kind of underperformance a little bit is the the Benelong Australian equity for you. Now that is the Australian investment. Now with this investment here, I would like to look at changing it for you. So we've done a lot of research on this spend along Australian investment for you, and they were one of the best performing fund managers and had done really well. Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market. More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions. And if that is the case as well and we foresee that it's not going to come back around all these better options out there, we wanna make sure we change the investment for you because it's not one of those things we just leave it be. If we do a little research and we could see that one well, that's not potentially the best one moving forward because that's going to happen as well because especially with market trends and everything changing. We wanna make sure we we change it for you. So if you are happy for me to do so, I would like to go ahead and change the investment for you to an alternative, which is your BetaShares a 200. What it is, it's again, we wanna make sure you have some exposure to the Australian market as well. So if we swap one out, we wanna make sure we swap it with a competitive similar option. But this one is a little bit cheaper for you, which is good because it's more kind of just tracking the 200 largest companies listed in Australia. So still very diversified, but you don't have that same kind of active buying and selling more frequently because that comes with a cost as well. And if it's not being met if it's not it's not worth paying the fee to have that active management if it's not outperforming, So we are then looking at this option, which is a little bit cheaper for you, which is great. So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you. So if you are happy for me to do that, Renee, what I will do is I will send you a record of advice via email. You don't have to sign or anything, but it is just there for your reference. So we're letting you know we have made that investment change. Okay? Yep. K. Perfect. Now the last two documents actually there, sorry sorry, Renee, is that when if you're happy to do so, when you then press the link where it says sign now, it will ask you to sign two documents. Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from Super, so nothing out of pocket. No changes in regards to the fee structure. So this just lets us keep servicing your account and everything in the meantime, and it is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But, otherwise, it is something we do have to do every 12 just to make sure you're happy with everything and that we can keep servicing you. Does that make sense? Yep. Perfect. And there might also be a tax file number form. Again, it's another compliance document. Basically, just lets you know that we are keeping your tax file number secure and safe on file. Now I know that was probably a lot, but do you have any questions for me? Perfect. So you probably have signed that tax file number last time probably then, which is good. So that would just be that ongoing service agreement just to say, yeah, you're happy with that. So it should just be the one, and it should be that electronic signature date. And when you I think it says validate. When you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you. I'll have a little refresh. Oh, yes. Perfect. That's all come through. Now if you do wanna go back and have a look through the document later, it's all saved on your account for you if you go back into that email. If not, I always have the copies on file if you ever do wanna have a look at that. Otherwise, I will get that ROA for you to show you the investment change. I will get that processed for you. Now it might be a little bit later in the week. But before the end of the week, you will have that in your inbox for your reference. I will also get the team to prefill those beneficiary forms for you for the will and get it sent out. I'll get the team to contact you at the October to see if you wanna revisit insurances, and then I'll also get in touch with our contact to see if I can find any more information about that private health insurance for you. If I can't, like I said, I will still send you an email so that you know I've looked into it for you, and I'm not just leaving you hanging again. Yeah. Do you have any other questions for me or need anything else otherwise before I let you go and enjoy the rest of your afternoon? Yeah. Beautiful. No problem. If there is yeah. No. No. No. The only thing that would happen if you do have it, it says it goes to the will. And if there is no will, it will just if you don't have anything. So there is no time for it. Obviously, try when you can, but no. There is no time constraints of when you have to do it. Like, it won't expire or anything like that. It's more just if something were to happen. That's it. But no no time difference. No. But if there is anything yes. Yep. You could. Yes. You could. The only thing just be mindful of, like, reading the terms and condition. Make sure you complete it correctly. And like I said, you can always email me a copy. I can keep it on file for you if something were to happen as well. Yep. Beautiful. No. That's alright. Well, I will let you go and enjoy the rest of your afternoon. Hopefully, it's not too busy for you. But if there is anything that you need from me at any point in time, though, before October, just give me a call, and we can always book in for a bit of a catch up. Yep. No problem at all. Yeah. Yeah. Thank you so much. I'll be here till about September, mid September. So if you need anything before mid September, I'm here. If not, I will let the team know, and you'll be in very capable hands as well. So I'll still be here for a little bit. Yes. I can do that if you want. Yeah? Perfect. Who knows? But at least if it's there, you know, August might be a bit early, but maybe maybe the I'll put it I'll put it September, and then we can't oh, actually, no. I'll leave it August just to give it enough time just in case. If you don't have time, then at least we'll touch base. And if you don't have time, we'll I'll pass it on to my colleague. Yeah. Exactly. Alright. We look forward to that. No. Beautiful. Thank you so much, Renee. It's lovely speaking with you. And anything else you you need, just let me know. No worries. Chat soon. 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afternoon, Renee. This is Veronica from Financial. How are you? Good. You can hear me okay now?\n\nLet me have a look at my microphone just to make sure it's all up for you. I have it on Max now as well. Can you hear me any better? Okay. I'll I'll try to be a bit louder louder for you, and I'll just have to apologize for my colleagues if I'm yelling.\n\nIf you can't hear me, though, just just let me know, and I'll, yeah, I'll I'll try my best. I do have you booked in for your interview. Now is still a good time? Yeah. No.\n\nOkay. Perfect. If you do need to just wait a minute or two, just let me know. Yeah. Perfect.\n\nNow I have to send you an email as well. So later when you have a bit more time, just have a look through them. If you then have any questions, you can just let me know. But, otherwise, I'll be happy to run through them with you now. And, yeah, like I said, any questions, you can always give me a callback later when you have a bit more time.\n\nPerfect. Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really. Yep. Yep. Yes.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo. No. That's and that's totally fine. That's usually what the review is about as well. So some people have, you know, specific things they wanna focus on or areas they'd like to address.\n\nSo depending on what's changed in their life, then I'll focus more on those. But most of the time, to be fair, people are just like, no. Nothing major. Like, just to see what's happened. And it's a good kind of check-in point.\n\nAnd the purpose as well is to see, you know, if there is anything major that has changed in your life, if you need to tweak and change the advice. Because it's one of those things we don't wanna just, like, say and forget because things are always changing, market's always changing, which has been a lot in the last twelve months as well. So it's a good checking point just to make sure that advice is still appropriate for you, but then also to give you a bit of a check-in to see, you know, where things are at, where's insurance is, how's super, and everything like that. So, yeah, it's a bit of a checking point, but what I'll do then is I'll just kinda first go through a bit of an updated fact sign with you there, Renee, just to see if there's anything that has changed, if we do need to make any tweaks and changes. So just kinda bear with me as I run through this information here.\n\nNow when it comes to your personal information, I have you down here as single with no financial dependent. Is that still correct? Yep. Perfect. Now it doesn't look like I have a next of kin on file for you.\n\nSo in the event that something were to happen and we can't get in touch with you, who is someone that we could call, and that can be anybody? No. It it uh-uh. Yeah. Yeah.\n\nAnd and that is fine because if it is it's only in the event of, like, you go completely MIA and we can't get in touch with you just to make sure you're okay and stuff. And and if that's the case, we would we would definitely get in touch with her a couple of times. But then also, like, send her an a text message or, you know, leave a voice message if she knows it's us and not just the spam. So that is fine. Now what is her name, please?\n\nPerfect. And same last name as you? Yeah. Now do you know her best contact number by any chance? Yep.\n\nFour 0464. That's a pretty easy number. A lot of sixes and fours. Now employment wise, has any of that changed for you, or it's still kind of all the same? Same?\n\nPerfect. Now I have income here at around 195,000. Yep. That'd be the same. Yep.\n\nYes. Perfect. So it's nice with a little pay rise. Yeah. Oh, massive.\n\nAnd do you have private health insurance as well? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yeah. Because it's one of those things.\n\nA private health insurance, we don't do. So I am sorry if someone did tell you that because it is it is personal. Like, it's different. So we obviously do your your life insurance, your sort of permanent disability income protection, and all of that. But private health is like your general insurance.\n\nIt's the same, like, kind of categorized, like, car insurance and stuff, which which we don't do. Now I can have because it's so usually so specific in terms of which which brand and stuff like that to have a look at. I'll have a look with the the team if we have it. Like, I know we had a contact when it comes to mortgage and car insurance and home and content insurance. I don't know if they do private health, though.\n\nI'll have a chat to them. And if they do, are you happy for me to pass on your contact details to them? Yeah. If they correct. If they do private health, then that will be the case.\n\nI just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that. I'm sorry. Car insurance that we would refer them to. I'll have a chat to them in regards to private health and see because it is something I would strongly suggest you to look at because of your high income. So because of yes.\n\nAnd it is a tedious thing and yeah. Yeah. That's not good. Okay. Well, I will well, what well, especially, yeah, well, especially with your income.\n\nIt's like you don't wanna pay any additional tax, and you are at the moment. So what I will do is I promise you I will get in touch with them and find out. And if I speak to them and they say they don't, I will send you an email so at least you know that I've followed up and confirmed. And if, yes, and if they exactly. And if they don't, I'll see if they know someone who does.\n\nAnd that way, there's at least a contact. Hopefully, the person I do know that like I said, we've done a lot with, like, car loans and home and content insurance and stuff. They would do it because it kind of falls in the same category. But if not, I will see if I can, yeah, find someone a contact for you at least. And if I can't, I will send you an email regardless just letting you know that I have tried my absolute best to find a contact so that you at least know.\n\nYeah. Perfect. No. Definitely. And, obviously, hopefully, before the end of the financial year as well.\n\nSorry. I was trying to get on that as soon as possible. Otherwise, health and lifestyle wise, any changes or it's all the same? Yeah. Yeah.\n\nI have you down here as a smoker with no medications, like, no significant health issues. Yep. Yeah. Perfect. No.\n\nThat but then life gets in the way and, you know, it happens. That's great. Yeah. One thing one thing at a time. I can't do everything.\n\nAnd when it comes to assets and liabilities, I have here that your property was last died at about $7.50. Is that still roughly the case, or do you know if that's gone up a little bit? Oh, nice. Yeah. Oh, wow.\n\nAlright. I'll update that through about one one. That's nice. That's a nice low increase. And I have mortgage about 674,000.\n\nYep. Yep. Yep. Yes. Do a bit of a upgrade.\n\nNo. That's good. And, also, do you have the motor vehicle by that about 15,000 still as well? Yep. Okay.\n\nI'll leave it with my tenant. Yeah. And it's one of those things as well usually depreciates cars, unless it's like a special classic car or something fancy. Yeah. Yeah.\n\nExactly. And, otherwise, I have savings about 17,000. Beautiful. 33. Now any other new assets in the last twelve months?\n\nAny boats or motorbikes or something else? No? Oh, that's nice. Nice. What kind of?\n\nOh, nice. Yeah. Oh, fuck. No. No.\n\nPerfect. And any other liabilities? No? Perfect. Yep.\n\nJust just the same. Yep. No. That's yeah. Okay.\n\nYep. Yeah. Exactly. Yep. That'd be good.\n\nOtherwise, when it comes to estate planning wise, do you have a will in place? Nope. That's okay. Or anyone who makes any financial decisions on your behalf at all? Nope.\n\nThat is totally fair. Leave it with you. And when it and when it comes through beneficiary, so if something ever were to happen to you, because I can see here that your for your super and your insurances, we don't have a nomination on file. Do you have someone you would like to make sure that the funds go through if something were to happen to you? Have you thought much about it?\n\nYep. Yes and no. It definitely can be for sure. It's just a different way of setting it up. So because there's so many clients where it's like, well, if you don't have a partner or financial dependence or you just choose like, so many people give it to their brothers or sisters or cousins or nephews and nieces to super comment or parents or a friend or non for profit.\n\nYou can definitely do it. It is just a different way of setting it up. So to make it directly through super because of the CIS Act, it has to be a spouse, a child, financial dependent, or someone that you are in an interdependency relationship, which essentially is just someone who must be financially dependent on you at the time of your passing, you know, live together, providing support, and stuff. So a lot of people don't fall into this category. So the way through go around it is that on the actual form, you would say that you want a 100% nominated through your legal personal representative.\n\nWhat that would then mean is that it reversed it back to your will. So downside is you do have to then get a will set up. But then in the will, you can stay for, like, whoever you want. So that could be your dad could have been your dad. Sorry.\n\nYour your sister, friends. It can be anybody, whoever you want. So it would then definitely still go to them. The reason you have to do it this way is because your super and insurances does not form part of your state automatically. So you wanna avoid the trustee of the super insurance to determine where things go if something ever were to happen to you.\n\nSo it is a little bit more painful having to do it through the world, but then at least that way, it's airtight of who we will go through. So we can definitely do. If you don't do anything, what could happen is the trustee can make a decision, and they could determine someone that they think is suitable, but you could also have people trying to make a claim. So if there's ever a ex partner or if there's a dispute within the family or if I don't know if you have multiple siblings, they can fight over what goes to whom. So it could then cause issues and people trying to make a claim where that's not who you would actually want it to go to.\n\nSo that will be kind of the risk why not having anything. Yeah. Yeah. And that's you don't want then and that's often what can happen. And sometimes, unfortunately, when families do pass away, it brings out sometimes the worst of people when it comes to money.\n\nSo yeah. So would you do you have access to a printer or not really? Nope. No. That's okay.\n\nSo what I will do, Renee, is I will get the team to repost these forms to you. Sorry. Can you hear me? Yes. I will post them to you.\n\nThat way you have them, and then have a think about it. You can always just complete these forms anyway without a will for now. That way it's enforced, and you don't ever have to change it. And then when you do get your will, you don't have to contact us on changing these forms. And if there's ever any changes to who you wanna nominate, you can just update the will because these form stays in place so you can assess the will.\n\nThen you can update the will however many times you want. Does that make sense? Yeah. Yeah. Sorry.\n\nYeah. Okay. Oh, yeah. Eight yeah. Okay.\n\nNo. Yeah. No. And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from. So I can get the team to prefill this for you if you would like.\n\nBut because you are making a nomination, you would just have to obviously sign it and get a witness yourself. But I can get a prefill based on what you want today, so I can prefill it through the will. Now there are two different types of nominations otherwise, which you can have a binding or a nonbinding option. Basically, what it means yeah. So a binding means that it's basically bound, so the trustee of your superinsurance are bound to follow your wishes.\n\nSo that gives you the most amount of certainty. And nonbinding means that you say, this is what I want to have happen, but at the end of the day, they can then choose where they wanted to go. Which one would you prefer? Yes. That is what most people go to binding because that gives you the certainty.\n\nNo one it's the only reason you typically you would only have a nonbinding is because not every super fund allows it. But for you, they do. Sorry. Sorry. Correct.\n\nCorrect. It is exactly. Now you then have lapsing or non lapsing. Lapsing means that every three years, you have to recomplete the form. Non lapsing means it stays in place until you decide to change it.\n\nNon laxity. Yeah. Again, that's what most people would choose so you don't have the hassle, especially with the will, because if anything change, you could just update the will. Yes. Oh, careful.\n\nNow I will get these prefilled for you, and I will get them reposted. And then let me know how you go. And if you do end up getting a will and if it's not through a lawyer, if you just do, like, a will kit yourself or something like that, if you would like us to keep a copy on file, you can always email it to me, and then I can keep on file along with the other documents to make it easy as well. Yeah. No.\n\nNot really. Because it's just a matter of, like, you you can you can take however long you want to do the forms. That's fine. It doesn't change unless we somehow change your insurances or change your super funds. But if not, there's no time.\n\nThe only thing is, obviously, it is advised to do it as soon as possible. So if something were to happen, we have it in place. But if you take like, there's no time, it doesn't expire. Yeah. Yeah.\n\nNo. No. Alright. That's annoying. Yeah.\n\nOr no. That is that is very strange because, no, usually, you like, if we send you the forms, if you have the form sitting at home for three months, that's fine. If you no. I haven't really had anyone through signing anything, and they've come back and saying it's outside a time frame. That's only TPAs.\n\nIs there anything sometimes? Like, if we were doing, like, a third party authority research on the previous super fund, that sometimes has an expiry. But these forms, no. Because, yeah, sometimes it's like, well, if I need to go and get a witness, and that can't be the person who I nominate. Like, if you because you're doing the well, it's fine, but it has to be witnessed by two people.\n\nSo sometimes, you know, you don't have someone close by or I mean, you could get colleagues. You could do whoever you want, really. It just has to be two people that witness it. But, yeah, you don't always have time for that. So, no, there's no time frame of when you have to complete them.\n\nSo you can take your time. Obviously, try to do it when you have a moment, sorry, if something were to happen. But, no, if it takes a month or two for you to send it back, that is fine. It won't expire. Yeah.\n\nYeah. Yeah. Maybe not. Maybe yeah. Trust the neighbor.\n\nSo, yeah, take your time or friends. So anyone, take your time. I will get them posted out through you anyway so you have them. When you get them, if you are confused, just call me, and we can always talk through it. I'll get it prefilled for you to make it easy.\n\nYeah. Exactly. Yeah. That'll be annoying having to redo it, especially because, yeah, life gets in the way. And I know myself with work and stuff.\n\nAnd then you'll wanna you don't wanna have to redo it again. So I'll get it prefilled. And that way, you just have to sign it and date it, and that's all you have to do. Yeah. Perfect.\n\nNow, otherwise, I guess, kind of goal stuff that you are working towards, it's always good time as well during annual review to do a bit of a check-in to be like, okay. Well, what actually happened in the last twelve months? Did I achieve what I wanted to, or is that, like, a more of a long term goal? So I know that when you spoke to, I think it was my colleague, Dana, that you spoke to last time, your main focus was to reduce debt on your mortgage, put a pull in, which you obviously have, and then potentially upgrade the car within the next couple of years, which I know you kind of mentioned is still the goal with the car. But is that still kind of, like, your focus otherwise through reduced debt on the mortgage?\n\nWould you have any other specific goals you're working towards? Mortgage. Yep. That's the future thing. Yeah.\n\nBut to be fair, it's like nowadays, it's like everyone is getting it later. And it's, like, maybe oversharing, but I'm 32, and I'm pregnant at the moment. And we happen on the first go. So so, you know, it's not all about that, and everyone was telling me the same. It's like, oh my god.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. That's correct. Yeah. Yes. And yeah.\n\nAnd it's hard because it's I mean, you're hearing it as well, and I think a lot of it is also, like, there's a lot of external factors and stuff. And, obviously, I'm not a health profession, so I don't know. But, obviously, lifestyle and everything like that, yeah, plays a role in one of my my best friend, she's 38, and they they just, you know, turned pregnant, and it was fun. But then I also have some other friends who are, like, late twenties, and they've been trying for years. So it's like I think people try to scare you a lot by being like, oh, you have to do it, but it's like it's so everyone gets kids later in life because you wanna, you know, you wanna have a career.\n\nYou wanna have your job. You wanna have stability. You wanna have a house. And it's like, that can't happen by the time I'm 25. Like, it just won't.\n\nSo exactly. So it you know, everyone's different, but I wouldn't stress too much because, yeah, you are you're you're younger than me, and everyone's different, but I wouldn't and sometimes stressing about it through as much as you do, it makes it worse. Yes. Because then you constantly put the pressure. You know?\n\nSo I wouldn't stress if I were you anyway. Yeah. And it's very individual. But but, yes, I don't know if that helped him any worse. But yeah.\n\nPerfect. Now, otherwise, Renee, I guess when it comes to your superannuation, when it comes to your risk profile so I know you did a pretty extensive risk profile questionnaire with Dana last time, so I won't go through all of those questions with you again. But, essentially, we have you invested in a growth portfolio. Now just a little recap for you. Typically, when it comes to a growth portfolio, like a growth investor, what we would call it, is tailored for people who are looking at getting as much growth as you can out of out of your superannuation while you do have, you know, plenty of time until retirement.\n\nAt the same time, someone who are comfortable seeing a bit of fluctuations in the market in order to achieve that growth long term. So short term will be some fluctuations. Some years might not be as great as others. But over the long term, the focus is then to tryna get as much growth as possible to take advantage of those kind of ups and downs and mark special, like, market niches, if that makes sense. Yep.\n\nAnd when it comes to an actual asset allocation, so how your money is invested, we typically see 80% in what we call your growth assets. So this will be things like Australian shares, international shares, property, and commodities, and that is what's going to give you that growth. But then we also wanna have some defensive to limit fluctuations a little bit, and we have about 20% of that. So that will be, like, your cash, your gold, your fixed interest, for example, to limit fluctuations a little bit. And just for your reference, when we're talking about a time frame, because that's also important, making sure you have enough time in the market.\n\nBecause the the closer you get through a time and later, then that's when you wanna start slowly reducing that risk. Because if you wanna access your money tomorrow, you don't want that to be a bit of a dip. So making sure we have enough time. So in a growth portfolio, we wanna allow minimum six years to retire. So from a time frame, you are certainly have the time behind you.\n\nAs long as that are you still comfortable with the level of risk and a growth portfolio? Are you still happy with all of that? Has any of your risk tolerance changed, or is it all kind of the same? No. Yeah.\n\nYes. All good. Thought it's okay. Just calm down, buddy. Oh, really?\n\nThat's annoying. Maybe you should have said, no. Someone has just bought it to stop parking there, please. Yeah. So stop it.\n\nOh, that's annoying. That's annoying. Yes. Yeah. Well, there's heat up in, like, on on the Gold Coast.\n\nObviously, you are a little bit further up, but I live more like Pacific Pines and stuff. And even where, like, Sandgate no. No. Sandgate. Where just off the highway, they are, like, building heats.\n\nMorongari or something at the back of there. Yes. Sky Ridge. Yeah. And even, like, when they started there, it was kind of, like, the same because there's, like, mass building.\n\nIt's happening, and it's like, yeah, sometimes you just say and even, like, over in Sanctuary Cove. No. No. Yeah. And, like, sometimes as well there, you see that, yeah, these blocks of land, and people are just, like, dumping things in parking cars, and you're just like, that's just a bit rude.\n\nYeah. Yeah. Oh. No. Yeah.\n\nOh, that's it's it's so bad. No. Yeah. No. Just inconsiderate.\n\nYeah. No. Just like, what if it was your land? Like, would you do that? No.\n\nYeah. I can imagine. And it's heavy. It's heavy too. So it's like, oh, that's that's really annoying.\n\nHopefully, you don't have it. Hopefully, you don't have too many more to go evaluations or photos to take of land. So we're we're almost okay. Perfect. We're almost finished.\n\nSo what I the documents I mentioned earlier is I have send you send you through them. So have a look at them when you have a moment. Now what you will see in the email so when you do have a moment, when you click on the email, it will say sign now. Before you press sign now, at the bottom of the email, you'll see a couple of attachments. That is just for your reference.\n\nSo you will see two documents that's called financial services guide and services guide. Now they are just kind of your compliance documents. It gives you all the important information in regards to us. Nothing has changed. Every time we do make a bit of an update, we'll send you a new one just for your reference, but none of the important information has changed.\n\nNow when you do have a look at it, you will, however, see photos of the the team directors, advisers. You will see myself in there if you do wanna put a face to the voice, and it's all in there for you. Now, otherwise, you will see a super and insurance summary document, and that just basically gives you a bit of a rundown of where things are at. So at the moment, you have your super with hub 24, and you have a $139,294 in there. Now yeah.\n\nNow you also have insurances with Neos. So I'll try to make it easy because you have a bit of insurances. Now you have inside super, you have your life and total permanent disability insurance. Now at the moment, you are insured for 1,319,850. Are you still happy with that level of cover, or what are your thoughts on your insurances?\n\nSorry. For life, if you were to pass away, but then the biggest one is your total permanent disability. So that is something were to happen to you, and you could never go back to work again, which would obviously have a pretty substantial financial impact, especially being quite far from retirement. So the 1.3 mil, when I do have a look at when you spoke to Dana and you got the insurances put in place, it would pay off your mortgage completely so that, obviously, you're debt free, and then also cover your income after tax for just over five years. So that would give you a bit of a lump sum.\n\nSo, obviously, there might still be a bit of a gap, but the more insurance you have, the more expensive it is as well. So 1.3 is pretty good at least for it will pay off the the the debt on the property and cover your income if something were to happen for a while. Yeah. It is one of those things that is so personal because it depends on their situation, but also their contributions is a big thing. So because we also wanna make sure that your contributions are completely eroded by the insurances.\n\nSo for you, you have the capacity from a contribution wise to have a bit more cover in place to give you that. If something were to happen, a lot of other people might not. So we generally tend to work of about a 30% ratio where we don't want we we wanna make sure that your student continues to grow by still making sure you have cover in place. Now some people, their main focus is I just care about paying out the debt. That's it.\n\nI'm happy. Some people go, no. I have small kids, for example. I wanna make sure I cover private schools if something were to happen. Or, you know, my partner's not working, so I need to cover their you know, if something were to happen, it's all on me.\n\nSo it is very individual. But for your reference, just so you can see price as well, so for your life and CPD at the moment, as well as your income protection. So the income protection is if you were temporarily unable to work, and it will pay you a monthly amount of 10,097. So pretty good there. Thirty day waiting period, so one of the shortest one, and then a five year benefit period, which is somewhere in the middle with how long you could be on claim for.\n\nNow all those threes are after tax, six thousand two hundred and sixty five. So if you want more cover, it will be more expensive. It's pretty good from where you are at in terms of covering, but then some people go, oh, I don't wanna pay that much, or I don't think I need that much. I just want my mortgage. But then you don't have extra if you need to make modifications to your home or, you know, whatever it might be.\n\nSo it's quite individual to what your goals are as well. So what do you do you think you'll have to be with that from for the time being with the price and what you have? Or yep. Yeah. Correct.\n\nYes. So we can always leave yeah. Of course. Yes. Sorry.\n\nAnd it's one of those things, too. Like, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client. But we can do it way more frequently. I have some client who wants to do six monthly. Some people want quarterly.\n\nIt completely depends on you. So some people go, oh, I don't need that much. I'll let you know if anything changes, where some people really want that. So I can even put a little reminder for the team. Now let me see here.\n\nEnd of the year. So you're thinking, like, October ish? Yeah? Alright. I'll make yeah.\n\nExactly. I'll make a little note. Sorry. Around October, I might do, like, October. I'll get the team to reach out to you to see if you would like to revisit it.\n\nIf you have a think about it and then you go, no. I wanna do it early. You can always call me whenever, and we can always push it forward. Or if we call you in October and you go, I don't really have time right now. Let's do it in another three, six months.\n\nThat's fine. But I'll put a little reminder to have a little chat to you at least in October unless we hear from you before just to touch base with the insurances. Otherwise, we will leave it now, and that's all in place. Now aside from that, you also have insurances you pay for out of pocket. So you have a split, TPD and IP, so meaning you have a portion paid outside super so you can get a a couple of additional benefits and better definitions of the policy, which is great, as well as a trauma cover for covering you for traumatic events.\n\nNow you have that. That was a tax free lump sum payment paid directly to you if something were to happen like that, and that is covering you for a 100 and 41,000. Now that is costing was that sorry? It's it is quite dependent on the definition of each insurer, but, typically, the biggest ones we would see are like, the ones that get paid out the most is, like, your heart attack, stroke, cancers, neurological condition. So it would be what they would call, like, your traumatic events.\n\nSo if something were to happen so let's say that yeah. Like I said, the biggest ones is, like, cancers and stuff, heart attack. Because let's say, in theory, if you have a bad heart attack, you go to hospital, but then, technically, you could be fine to go back to work within two weeks, maybe three weeks. You're not gonna get paid income protection because you are back at work within the waiting period. But you might want to take some time further time off.\n\nYou might want to have someone come and stay with you to assist, or you might need to see a heart specialist or whatever it might be. This is when this come in really handy to give you a tax free lump sum to assist if anything were to happen. And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that. Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you. Yeah.\n\nYes. So if anything ever happens, though, if you're unsure like, if anything ever were to happen, like, if you get a significant health, you know, injury or a diagnosis or anything and you're not sure, you can always just call me, and I can check it for you, especially that that trauma. But or if anything were to happen and you can't work for any period of time, again, just call me, and we'll see if we can get, you know, any insurances paid out for you. So you don't ever have to speak to the insurance directly. You can just call me, and they will will do that for you.\n\nYeah. No. That's okay. But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for that. Yes.\n\nYeah. Usually, it's just yeah. Exactly. Just direct debited. So that is good.\n\nYou do have lots of amount of cover there, which is good. Now, otherwise, in the document there in the email, you will see certificate of currency for you. It basically just breaks down the insurances I just touched on in a bit more information if you do wanna have a read over it. But, otherwise, just let you know that's all paid and and up to date. You'll also have a Vanguard index chart.\n\nThis one's here. It's just kind of been added as it is a good representation of what we are talking about when we're talking about the market. But, basically, when you have a look at it, it's a bit of a graph dating back to 1995 through to 2025. Makes more sense when you have a look at it, but it shows you kind of all the ups and downs in the market. But overall, you will see that market always goes up long term.\n\nShort term, depending on what is going on in the world, you will have some ups and downs and market fluctuations. And then the last document you will have is your performance report, and that basically breaks down all your individual investments and what has happened in the last twelve months. Now over the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've seen a bit on the news and everything like that as well. So we had obviously everything in The US going on with Trump and tariffs and everything, and, obviously, more recently, the war.\n\nSo we have seen quite a bit of fluctuations in the last twelve months. But despite that, your portfolio is still up, which is good. So it is up after fees by about 4.77%, which might seem modest compared to, you know, other times, but it is important to recognize that they are across the different markets that has been quite uneven this year. And if we do kind of break down the individual investment, we can see that a large portion of the global market markets that you have in your portfolio have done really well. So we saw kind of the biggest contributors from The US market through the S and P 500 for you.\n\nWe saw a really good contribution. We also saw a lot a lot of the tech companies and stuff do really well. Your gold was doing really well. So, overall, we saw good exposures from there. But at the same time, you know, the way that your portfolio is put together, it is also to complement each other.\n\nSo where some areas might do really well, there might be other areas that might not that kind of complement each other as well. So we don't wanna have everything into one sector or region or area. So at some point, it's amazing, and then other years, it's, you know, going down by quite a bit. But we wanna obviously balance it out for you. So some of the areas I've seen a bit more fluctuations, the kind of underperformance a little bit is the the Benelong Australian equity for you.\n\nNow that is the Australian investment. Now with this investment here, I would like to look at changing it for you. So we've done a lot of research on this spend along Australian investment for you, and they were one of the best performing fund managers and had done really well. Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market. More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions.\n\nAnd if that is the case as well and we foresee that it's not going to come back around all these better options out there, we wanna make sure we change the investment for you because it's not one of those things we just leave it be. If we do a little research and we could see that one well, that's not potentially the best one moving forward because that's going to happen as well because especially with market trends and everything changing. We wanna make sure we we change it for you. So if you are happy for me to do so, I would like to go ahead and change the investment for you to an alternative, which is your BetaShares a 200. What it is, it's again, we wanna make sure you have some exposure to the Australian market as well.\n\nSo if we swap one out, we wanna make sure we swap it with a competitive similar option. But this one is a little bit cheaper for you, which is good because it's more kind of just tracking the 200 largest companies listed in Australia. So still very diversified, but you don't have that same kind of active buying and selling more frequently because that comes with a cost as well. And if it's not being met if it's not it's not worth paying the fee to have that active management if it's not outperforming, So we are then looking at this option, which is a little bit cheaper for you, which is great. So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you.\n\nSo if you are happy for me to do that, Renee, what I will do is I will send you a record of advice via email. You don't have to sign or anything, but it is just there for your reference. So we're letting you know we have made that investment change. Okay? Yep.\n\nK. Perfect. Now the last two documents actually there, sorry sorry, Renee, is that when if you're happy to do so, when you then press the link where it says sign now, it will ask you to sign two documents. Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client. Now there is no changes whatsoever in regards to the fee structure.\n\nIt stays exactly the same at 1.65 from Super, so nothing out of pocket. No changes in regards to the fee structure. So this just lets us keep servicing your account and everything in the meantime, and it is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But, otherwise, it is something we do have to do every 12 just to make sure you're happy with everything and that we can keep servicing you.\n\nDoes that make sense? Yep. Perfect. And there might also be a tax file number form. Again, it's another compliance document.\n\nBasically, just lets you know that we are keeping your tax file number secure and safe on file. Now I know that was probably a lot, but do you have any questions for me? Perfect. So you probably have signed that tax file number last time probably then, which is good. So that would just be that ongoing service agreement just to say, yeah, you're happy with that.\n\nSo it should just be the one, and it should be that electronic signature date. And when you I think it says validate. When you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you. I'll have a little refresh. Oh, yes.\n\nPerfect. That's all come through. Now if you do wanna go back and have a look through the document later, it's all saved on your account for you if you go back into that email. If not, I always have the copies on file if you ever do wanna have a look at that. Otherwise, I will get that ROA for you to show you the investment change.\n\nI will get that processed for you. Now it might be a little bit later in the week. But before the end of the week, you will have that in your inbox for your reference. I will also get the team to prefill those beneficiary forms for you for the will and get it sent out. I'll get the team to contact you at the October to see if you wanna revisit insurances, and then I'll also get in touch with our contact to see if I can find any more information about that private health insurance for you.\n\nIf I can't, like I said, I will still send you an email so that you know I've looked into it for you, and I'm not just leaving you hanging again. Yeah. Do you have any other questions for me or need anything else otherwise before I let you go and enjoy the rest of your afternoon? Yeah. Beautiful.\n\nNo problem. If there is yeah. No. No. No.\n\nThe only thing that would happen if you do have it, it says it goes to the will. And if there is no will, it will just if you don't have anything. So there is no time for it. Obviously, try when you can, but no. There is no time constraints of when you have to do it.\n\nLike, it won't expire or anything like that. It's more just if something were to happen. That's it. But no no time difference. No.\n\nBut if there is anything yes. Yep. You could. Yes. You could.\n\nThe only thing just be mindful of, like, reading the terms and condition. Make sure you complete it correctly. And like I said, you can always email me a copy. I can keep it on file for you if something were to happen as well. Yep.\n\nBeautiful. No. That's alright. Well, I will let you go and enjoy the rest of your afternoon. Hopefully, it's not too busy for you.\n\nBut if there is anything that you need from me at any point in time, though, before October, just give me a call, and we can always book in for a bit of a catch up. Yep. No problem at all. Yeah. Yeah.\n\nThank you so much. I'll be here till about September, mid September. So if you need anything before mid September, I'm here. If not, I will let the team know, and you'll be in very capable hands as well. So I'll still be here for a little bit.\n\nYes. I can do that if you want. Yeah? Perfect. Who knows?\n\nBut at least if it's there, you know, August might be a bit early, but maybe maybe the I'll put it I'll put it September, and then we can't oh, actually, no. I'll leave it August just to give it enough time just in case. If you don't have time, then at least we'll touch base. And if you don't have time, we'll I'll pass it on to my colleague. Yeah.\n\nExactly. Alright. We look forward to that. No. Beautiful.\n\nThank you so much, Renee. It's lovely speaking with you. And anything else you you need, just let me know. No worries. Chat soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Renee.","start":2.3999999,"end":3.6,"sentiment":"positive","sentiment_score":0.3881599505742391},{"text":"This is Veronica from Financial.","start":3.6,"end":4.98,"sentiment":"neutral","sentiment_score":0.2874963879585266},{"text":"How are you?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.24955865740776062},{"text":"Good.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.3504314720630646},{"text":"You can hear me okay now?","start":9.5199995,"end":10.98,"sentiment":"neutral","sentiment_score":0.1359348346789678}],"sentiment":"neutral","sentiment_score":0.25092656910419464,"num_words":18,"start":2.3999999,"end":10.98},{"sentences":[{"text":"Let me have a look at my microphone just to make sure it's all up for you.","start":19.615,"end":26.45,"sentiment":"neutral","sentiment_score":0.05722525737741414},{"text":"I have it on Max now as well.","start":28.990002,"end":30.990002,"sentiment":"neutral","sentiment_score":0.07412029150873423},{"text":"Can you hear me any better?","start":30.990002,"end":32.53,"sentiment":"neutral","sentiment_score":-0.04718867658327023},{"text":"Okay.","start":36.605,"end":36.925,"sentiment":"neutral","sentiment_score":-0.006871437653899193},{"text":"I'll I'll try to be a bit louder louder for you, and I'll just have to apologize for my colleagues if I'm yelling.","start":36.925,"end":42.464996,"sentiment":"neutral","sentiment_score":-0.15452836081385612}],"sentiment":"neutral","sentiment_score":-0.04142480160702359,"num_words":55,"start":19.615,"end":42.464996},{"sentences":[{"text":"If you can't hear me, though, just just let me know, and I'll, yeah, I'll I'll try my best.","start":43.085,"end":49.344997,"sentiment":"neutral","sentiment_score":-0.04380321267404055},{"text":"I do have you booked in for your interview.","start":51.54,"end":53.48,"sentiment":"neutral","sentiment_score":0.2017805493540234},{"text":"Now is still a good time?","start":53.62,"end":55.0,"sentiment":"neutral","sentiment_score":0.21602097153663635},{"text":"Yeah.","start":61.54,"end":62.04,"sentiment":"neutral","sentiment_score":0.0223673265427351},{"text":"No.","start":66.435,"end":66.755,"sentiment":"neutral","sentiment_score":-0.021533368155360225}],"sentiment":"neutral","sentiment_score":0.06335343586073981,"num_words":36,"start":43.085,"end":66.755},{"sentences":[{"text":"Okay.","start":66.755,"end":67.155,"sentiment":"neutral","sentiment_score":0.08524362742900848},{"text":"Perfect.","start":67.155,"end":67.555,"sentiment":"neutral","sentiment_score":0.2280006855726242},{"text":"If you do need to just wait a minute or two, just let me know.","start":67.555,"end":72.675,"sentiment":"neutral","sentiment_score":0.09623475273450216},{"text":"Yeah.","start":72.675,"end":73.075,"sentiment":"neutral","sentiment_score":0.2103620171546936},{"text":"Perfect.","start":73.075,"end":73.575,"sentiment":"positive","sentiment_score":0.3414384424686432}],"sentiment":"neutral","sentiment_score":0.12150347703381588,"num_words":19,"start":66.755,"end":73.575},{"sentences":[{"text":"Now I have to send you an email as well.","start":74.435,"end":76.915,"sentiment":"neutral","sentiment_score":0.16858322024345399},{"text":"So later when you have a bit more time, just have a look through them.","start":76.915,"end":81.409996,"sentiment":"neutral","sentiment_score":0.17098399003346762},{"text":"If you then have any questions, you can just let me know.","start":81.409996,"end":84.29,"sentiment":"neutral","sentiment_score":0.17044748241702715},{"text":"But, otherwise, I'll be happy to run through them with you now.","start":84.29,"end":87.35,"sentiment":"neutral","sentiment_score":0.3248319998383522},{"text":"And, yeah, like I said, any questions, you can always give me a callback later when you have a bit more time.","start":88.049995,"end":93.015,"sentiment":"neutral","sentiment_score":0.13200710341334343}],"sentiment":"neutral","sentiment_score":0.1844803114802065,"num_words":71,"start":74.435,"end":93.015},{"sentences":[{"text":"Perfect.","start":96.455,"end":96.955,"sentiment":"positive","sentiment_score":0.4435676038265228},{"text":"Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really.","start":97.335,"end":114.729996,"sentiment":"neutral","sentiment_score":0.055575774145836476},{"text":"Yep.","start":119.284996,"end":119.784996,"sentiment":"neutral","sentiment_score":-0.052212923765182495},{"text":"Yep.","start":126.805,"end":127.305,"sentiment":"neutral","sentiment_score":-0.11536141484975816},{"text":"Yes.","start":128.885,"end":129.385,"sentiment":"neutral","sentiment_score":-0.2540273666381836}],"sentiment":"neutral","sentiment_score":0.05262963888098431,"num_words":68,"start":96.455,"end":129.385},{"sentences":[{"text":"Yeah.","start":131.3,"end":131.8,"sentiment":"neutral","sentiment_score":-0.11363905668258668},{"text":"Yeah.","start":134.66,"end":135.16,"sentiment":"neutral","sentiment_score":-0.03541162610054016},{"text":"Yeah.","start":137.70001,"end":137.94,"sentiment":"neutral","sentiment_score":0.003369327634572983},{"text":"Yeah.","start":137.94,"end":138.44,"sentiment":"neutral","sentiment_score":0.016340436413884163},{"text":"No.","start":143.3,"end":143.625,"sentiment":"neutral","sentiment_score":-0.26491132378578186}],"sentiment":"neutral","sentiment_score":-0.07885044850409031,"num_words":5,"start":131.3,"end":143.625},{"sentences":[{"text":"No.","start":144.265,"end":144.505,"sentiment":"neutral","sentiment_score":-0.2202681303024292},{"text":"No.","start":144.505,"end":144.585,"sentiment":"neutral","sentiment_score":-0.16796517372131348},{"text":"That's and that's totally fine.","start":144.585,"end":145.785,"sentiment":"neutral","sentiment_score":0.19279266744852067},{"text":"That's usually what the review is about as well.","start":145.785,"end":148.205,"sentiment":"neutral","sentiment_score":0.25997042159239453},{"text":"So some people have, you know, specific things they wanna focus on or areas they'd like to address.","start":148.345,"end":152.825,"sentiment":"neutral","sentiment_score":0.13052376359701157}],"sentiment":"neutral","sentiment_score":0.15484975212637117,"num_words":34,"start":144.265,"end":152.825},{"sentences":[{"text":"So depending on what's changed in their life, then I'll focus more on those.","start":152.825,"end":157.325,"sentiment":"neutral","sentiment_score":0.06761357560753822},{"text":"But most of the time, to be fair, people are just like, no.","start":157.49,"end":160.77,"sentiment":"neutral","sentiment_score":0.030340124781315144},{"text":"Nothing major.","start":160.77,"end":161.59,"sentiment":"neutral","sentiment_score":-0.13767275214195251},{"text":"Like, just to see what's happened.","start":161.65001,"end":162.93001,"sentiment":"neutral","sentiment_score":0.04136299776534239},{"text":"And it's a good kind of check-in point.","start":162.93001,"end":164.45,"sentiment":"positive","sentiment_score":0.3963596522808075}],"sentiment":"neutral","sentiment_score":0.10429584607481956,"num_words":43,"start":152.825,"end":164.45},{"sentences":[{"text":"And the purpose as well is to see, you know, if there is anything major that has changed in your life, if you need to tweak and change the advice.","start":164.45,"end":171.75,"sentiment":"neutral","sentiment_score":0.13009705767035484},{"text":"Because it's one of those things we don't wanna just, like, say and forget because things are always changing, market's always changing, which has been a lot in the last twelve months as well.","start":172.145,"end":180.64499,"sentiment":"neutral","sentiment_score":0.009964157587519902},{"text":"So it's a good checking point just to make sure that advice is still appropriate for you, but then also to give you a bit of a check-in to see, you know, where things are at, where's insurance is, how's super, and everything like that.","start":180.705,"end":193.22,"sentiment":"neutral","sentiment_score":0.24808766891558964},{"text":"So, yeah, it's a bit of a checking point, but what I'll do then is I'll just kinda first go through a bit of an updated fact sign with you there, Renee, just to see if there's anything that has changed, if we do need to make any tweaks and changes.","start":195.12,"end":208.425,"sentiment":"neutral","sentiment_score":0.1607454255515454},{"text":"So just kinda bear with me as I run through this information here.","start":209.44499,"end":213.065,"sentiment":"neutral","sentiment_score":0.13352791839637435}],"sentiment":"neutral","sentiment_score":0.14647120133855224,"num_words":173,"start":164.45,"end":213.065},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as single with no financial dependent.","start":214.19,"end":220.53,"sentiment":"neutral","sentiment_score":0.031200318450206203},{"text":"Is that still correct?","start":220.59,"end":221.65,"sentiment":"neutral","sentiment_score":0.04437322309240699},{"text":"Yep.","start":223.39,"end":223.89,"sentiment":"positive","sentiment_score":0.40891584753990173},{"text":"Perfect.","start":224.11,"end":224.61,"sentiment":"positive","sentiment_score":0.6957225203514099},{"text":"Now it doesn't look like I have a next of kin on file for you.","start":224.90999,"end":228.37,"sentiment":"neutral","sentiment_score":0.2639695634444555}],"sentiment":"neutral","sentiment_score":0.14586201906204224,"num_words":40,"start":214.19,"end":228.37},{"sentences":[{"text":"So in the event that something were to happen and we can't get in touch with you, who is someone that we could call, and that can be anybody?","start":228.455,"end":236.075,"sentiment":"neutral","sentiment_score":0.11682238892234605},{"text":"No.","start":242.87,"end":243.37,"sentiment":"neutral","sentiment_score":-0.1398007869720459},{"text":"It it uh-uh.","start":244.06999,"end":252.31,"sentiment":"neutral","sentiment_score":-0.11158697058757146},{"text":"Yeah.","start":252.31,"end":252.81,"sentiment":"neutral","sentiment_score":-0.04305943101644516},{"text":"Yeah.","start":253.03,"end":253.53,"sentiment":"neutral","sentiment_score":-0.0770808532834053}],"sentiment":"neutral","sentiment_score":0.07980420844895499,"num_words":35,"start":228.455,"end":253.53},{"sentences":[{"text":"And and that is fine because if it is it's only in the event of, like, you go completely MIA and we can't get in touch with you just to make sure you're okay and stuff.","start":254.765,"end":262.945,"sentiment":"neutral","sentiment_score":0.013628686260845926},{"text":"And and if that's the case, we would we would definitely get in touch with her a couple of times.","start":263.245,"end":268.305,"sentiment":"neutral","sentiment_score":0.14608450569212436},{"text":"But then also, like, send her an a text message or, you know, leave a voice message if she knows it's us and not just the spam.","start":268.92,"end":275.98,"sentiment":"neutral","sentiment_score":0.07331421033099846},{"text":"So that is fine.","start":277.8,"end":279.16,"sentiment":"neutral","sentiment_score":0.14891528338193893},{"text":"Now what is her name, please?","start":279.16,"end":281.58002,"sentiment":"neutral","sentiment_score":0.030651450778047245}],"sentiment":"neutral","sentiment_score":0.06635888533726815,"num_words":93,"start":254.765,"end":281.58002},{"sentences":[{"text":"Perfect.","start":286.275,"end":286.51498,"sentiment":"neutral","sentiment_score":0.15737995505332947},{"text":"And same last name as you?","start":286.51498,"end":288.29498,"sentiment":"neutral","sentiment_score":0.07413427904248238},{"text":"Yeah.","start":289.955,"end":290.455,"sentiment":"neutral","sentiment_score":0.03390181064605713},{"text":"Now do you know her best contact number by any chance?","start":291.395,"end":294.535,"sentiment":"neutral","sentiment_score":0.0468449934639714},{"text":"Yep.","start":298.01,"end":298.51,"sentiment":"neutral","sentiment_score":0.03180771321058273}],"sentiment":"neutral","sentiment_score":0.059159504063427445,"num_words":20,"start":286.275,"end":298.51},{"sentences":[{"text":"Four 0464.","start":300.09,"end":302.65,"sentiment":"neutral","sentiment_score":0.04619641229510307},{"text":"That's a pretty easy number.","start":302.65,"end":303.95,"sentiment":"neutral","sentiment_score":0.2337850958108902},{"text":"A lot of sixes and fours.","start":304.01,"end":305.47,"sentiment":"neutral","sentiment_score":0.08144681714475155},{"text":"Now employment wise, has any of that changed for you, or it's still kind of all the same?","start":309.405,"end":314.54498,"sentiment":"neutral","sentiment_score":0.0016613863925966951},{"text":"Same?","start":316.44498,"end":316.94498,"sentiment":"neutral","sentiment_score":-0.036228492856025696}],"sentiment":"neutral","sentiment_score":0.05448986464762129,"num_words":32,"start":300.09,"end":316.94498},{"sentences":[{"text":"Perfect.","start":317.805,"end":318.305,"sentiment":"neutral","sentiment_score":0.07418611645698547},{"text":"Now I have income here at around 195,000.","start":319.485,"end":322.865,"sentiment":"neutral","sentiment_score":0.03906963183544576},{"text":"Yep.","start":325.17,"end":325.67,"sentiment":"neutral","sentiment_score":0.03630797937512398},{"text":"That'd be the same.","start":326.13,"end":327.19,"sentiment":"neutral","sentiment_score":-0.023713103189948015},{"text":"Yep.","start":328.05,"end":328.55,"sentiment":"neutral","sentiment_score":-0.022983860224485397}],"sentiment":"neutral","sentiment_score":0.020347658502093205,"num_words":15,"start":317.805,"end":328.55},{"sentences":[{"text":"Yes.","start":330.45,"end":330.95,"sentiment":"neutral","sentiment_score":0.1535947620868683},{"text":"Perfect.","start":331.09,"end":331.59,"sentiment":"positive","sentiment_score":0.40166130661964417},{"text":"So it's nice with a little pay rise.","start":332.61,"end":334.47,"sentiment":"positive","sentiment_score":0.480046808719635},{"text":"Yeah.","start":341.325,"end":341.825,"sentiment":"neutral","sentiment_score":0.027481481432914737},{"text":"Oh, massive.","start":342.445,"end":343.42502,"sentiment":"neutral","sentiment_score":0.1572801098227501}],"sentiment":"positive","sentiment_score":0.364436326118616,"num_words":13,"start":330.45,"end":343.42502},{"sentences":[{"text":"And do you have private health insurance as 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it's one of those things.","start":405.56,"end":407.63998,"sentiment":"neutral","sentiment_score":-0.19690226018428802}],"sentiment":"neutral","sentiment_score":-0.20187209844589232,"num_words":10,"start":393.70502,"end":407.63998},{"sentences":[{"text":"A private health insurance, we don't do.","start":407.63998,"end":409.9,"sentiment":"neutral","sentiment_score":-0.3219195817198072},{"text":"So I am sorry if someone did tell you that because it is it is personal.","start":410.145,"end":414.245,"sentiment":"neutral","sentiment_score":-0.29909496288746595},{"text":"Like, it's different.","start":414.785,"end":415.585,"sentiment":"neutral","sentiment_score":-0.2255877802769343},{"text":"So we obviously do your your life insurance, your sort of permanent disability income protection, and all of that.","start":415.585,"end":421.525,"sentiment":"neutral","sentiment_score":-0.14755055425982727},{"text":"But private health is like your general insurance.","start":421.585,"end":424.645,"sentiment":"neutral","sentiment_score":-0.10332629457116127}],"sentiment":"neutral","sentiment_score":-0.21407152276556446,"num_words":53,"start":407.63998,"end":424.645},{"sentences":[{"text":"It's the same, like, kind of categorized, like, car insurance and stuff, which which we don't do.","start":425.02,"end":429.43997,"sentiment":"neutral","sentiment_score":-0.15282121169216492},{"text":"Now I can have because it's so usually so specific in terms of which which brand and stuff like that to have a look at.","start":432.06,"end":442.59497,"sentiment":"neutral","sentiment_score":-0.021750225499272347},{"text":"I'll have a look with the the team if we have it.","start":443.935,"end":447.775,"sentiment":"neutral","sentiment_score":0.08206687464068334},{"text":"Like, I know we had a contact when it comes to mortgage and car insurance and home and content insurance.","start":447.775,"end":454.55,"sentiment":"neutral","sentiment_score":0.03661323906853795},{"text":"I don't know if they do private health, though.","start":455.81,"end":458.55,"sentiment":"neutral","sentiment_score":-0.06494979229238299}],"sentiment":"neutral","sentiment_score":-0.02420719385326627,"num_words":83,"start":425.02,"end":458.55},{"sentences":[{"text":"I'll have a chat to them.","start":459.88998,"end":461.33,"sentiment":"neutral","sentiment_score":0.08702080324292183},{"text":"And if they do, are you happy for me to pass on your contact details to them?","start":461.33,"end":466.63,"sentiment":"neutral","sentiment_score":0.11635066700332306},{"text":"Yeah.","start":468.48502,"end":468.98502,"sentiment":"neutral","sentiment_score":0.05057778209447861},{"text":"If they correct.","start":474.885,"end":476.98502,"sentiment":"neutral","sentiment_score":0.008189357817173002},{"text":"If they do private health, then that will be the case.","start":477.045,"end":480.245,"sentiment":"neutral","sentiment_score":0.002142331816933372}],"sentiment":"neutral","sentiment_score":0.06838941221174441,"num_words":38,"start":459.88998,"end":480.245},{"sentences":[{"text":"I just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that.","start":480.245,"end":486.46997,"sentiment":"neutral","sentiment_score":-0.08558018288264672},{"text":"I'm sorry.","start":486.68997,"end":487.16998,"sentiment":"neutral","sentiment_score":-0.1602298766374588},{"text":"Car insurance that we would refer them to.","start":487.16998,"end":489.50998,"sentiment":"neutral","sentiment_score":-0.07928387355059385},{"text":"I'll have a chat to them in regards to private health and see because it is something I would strongly suggest you to look at because of your high income.","start":490.05,"end":500.145,"sentiment":"neutral","sentiment_score":-0.07983409377435843},{"text":"So because of yes.","start":500.76498,"end":503.105,"sentiment":"neutral","sentiment_score":-0.09544781316071749}],"sentiment":"neutral","sentiment_score":-0.08508042936377666,"num_words":68,"start":480.245,"end":503.105},{"sentences":[{"text":"And it is a tedious thing and yeah.","start":504.845,"end":507.665,"sentiment":"negative","sentiment_score":-0.34929040633141994},{"text":"Yeah.","start":511.61,"end":512.11,"sentiment":"neutral","sentiment_score":-0.16668231785297394},{"text":"That's not good.","start":526.985,"end":527.945,"sentiment":"negative","sentiment_score":-0.7767525315284729},{"text":"Okay.","start":527.945,"end":528.265,"sentiment":"neutral","sentiment_score":-0.13133589923381803},{"text":"Well, I will well, what well, especially, yeah, well, especially with your income.","start":528.265,"end":541.0801,"sentiment":"neutral","sentiment_score":-0.18448383962878814}],"sentiment":"neutral","sentiment_score":-0.30080342221145445,"num_words":26,"start":504.845,"end":541.0801},{"sentences":[{"text":"It's like you don't wanna pay any additional tax, and you are at the moment.","start":541.0801,"end":544.76,"sentiment":"neutral","sentiment_score":-0.22071114778518677},{"text":"So what I will do is I promise you I will get in touch with them and find out.","start":544.76,"end":550.625,"sentiment":"neutral","sentiment_score":0.0070260935708096155},{"text":"And if I speak to them and they say they don't, I will send you an email so at least you know that I've followed up and confirmed.","start":550.625,"end":559.125,"sentiment":"neutral","sentiment_score":-0.006355182966217399},{"text":"And if, yes, and if they exactly.","start":559.185,"end":564.37,"sentiment":"neutral","sentiment_score":0.023004303420228616},{"text":"And if they don't, I'll see if they know someone who does.","start":564.43,"end":567.81,"sentiment":"neutral","sentiment_score":-0.01375494284244875}],"sentiment":"neutral","sentiment_score":-0.041470935211781364,"num_words":81,"start":541.0801,"end":567.81},{"sentences":[{"text":"And that way, there's at least a contact.","start":569.47003,"end":571.57,"sentiment":"neutral","sentiment_score":0.05247177183628082},{"text":"Hopefully, the person I do know that like I said, we've done a lot with, like, car loans and home and content insurance and stuff.","start":572.51,"end":578.665,"sentiment":"neutral","sentiment_score":0.00839253880083561},{"text":"They would do it because it kind of falls in the same category.","start":579.365,"end":582.425,"sentiment":"neutral","sentiment_score":-0.061653236070504554},{"text":"But if not, I will see if I can, yeah, find someone a contact for you at least.","start":583.525,"end":589.785,"sentiment":"neutral","sentiment_score":0.007118147280481126},{"text":"And if I can't, I will send you an email regardless just letting you know that I have tried my absolute best to find a contact so that you at least know.","start":591.18,"end":599.51996,"sentiment":"neutral","sentiment_score":-0.005636799964122474}],"sentiment":"neutral","sentiment_score":-0.002334951791757097,"num_words":96,"start":569.47003,"end":599.51996},{"sentences":[{"text":"Yeah.","start":601.25995,"end":601.75995,"sentiment":"neutral","sentiment_score":0.33307862281799316},{"text":"Perfect.","start":602.86,"end":603.36,"sentiment":"positive","sentiment_score":0.37582463026046753},{"text":"No.","start":605.055,"end":605.535,"sentiment":"neutral","sentiment_score":0.06547309458255768},{"text":"Definitely.","start":605.535,"end":606.035,"sentiment":"neutral","sentiment_score":0.03207901120185852},{"text":"And, obviously, hopefully, before the end of the financial year as 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great.","start":650.14,"end":650.86,"sentiment":"neutral","sentiment_score":-0.26077383756637573},{"text":"Yeah.","start":650.86,"end":651.36,"sentiment":"neutral","sentiment_score":0.07772032916545868},{"text":"One thing one thing at a time.","start":654.3,"end":656.16003,"sentiment":"neutral","sentiment_score":-0.03579310380986759},{"text":"I can't do everything.","start":656.22003,"end":657.28,"sentiment":"neutral","sentiment_score":-0.1972455121576786}],"sentiment":"neutral","sentiment_score":0.023550986484796914,"num_words":27,"start":637.555,"end":657.28},{"sentences":[{"text":"And when it comes to assets and liabilities, I have here that your property was last died at about $7.50.","start":659.415,"end":668.95496,"sentiment":"neutral","sentiment_score":-0.05651699155569077},{"text":"Is that still roughly the case, or do you know if that's gone up a little bit?","start":669.175,"end":673.035,"sentiment":"neutral","sentiment_score":-0.05429638111416031},{"text":"Oh, nice.","start":681.18,"end":681.92,"sentiment":"neutral","sentiment_score":0.23132796585559845},{"text":"Yeah.","start":684.3,"end":684.8,"sentiment":"neutral","sentiment_score":0.0448666587471962},{"text":"Oh, wow.","start":692.715,"end":693.455,"sentiment":"neutral","sentiment_score":0.08545707911252975}],"sentiment":"neutral","sentiment_score":-0.032736703842168764,"num_words":42,"start":659.415,"end":693.455},{"sentences":[{"text":"Alright.","start":693.59503,"end":693.91504,"sentiment":"neutral","sentiment_score":0.11367899179458618},{"text":"I'll update that through about one one.","start":693.91504,"end":695.67505,"sentiment":"neutral","sentiment_score":0.11505385168961116},{"text":"That's nice.","start":695.67505,"end":696.23505,"sentiment":"positive","sentiment_score":0.40242888033390045},{"text":"That's a nice low increase.","start":696.23505,"end":697.455,"sentiment":"neutral","sentiment_score":0.2912470817565918},{"text":"And I have mortgage about 674,000.","start":702.09,"end":706.43,"sentiment":"neutral","sentiment_score":0.04488038085401058}],"sentiment":"neutral","sentiment_score":0.16425863848555655,"num_words":21,"start":693.59503,"end":706.43},{"sentences":[{"text":"Yep.","start":711.945,"end":712.445,"sentiment":"neutral","sentiment_score":0.059646230190992355},{"text":"Yep.","start":714.025,"end":714.525,"sentiment":"neutral","sentiment_score":0.05858717858791351},{"text":"Yep.","start":716.025,"end":716.525,"sentiment":"neutral","sentiment_score":0.04080991819500923},{"text":"Yes.","start":717.465,"end":717.965,"sentiment":"neutral","sentiment_score":0.04413329064846039},{"text":"Do a bit of a 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nice.","start":777.04504,"end":778.42505,"sentiment":"neutral","sentiment_score":0.10417071481545766},{"text":"Nice.","start":779.04504,"end":779.36505,"sentiment":"neutral","sentiment_score":0.2722674012184143},{"text":"What kind of?","start":779.36505,"end":780.265,"sentiment":"neutral","sentiment_score":0.030524203553795815}],"sentiment":"neutral","sentiment_score":0.06416744800905387,"num_words":15,"start":770.16504,"end":780.265},{"sentences":[{"text":"Oh, nice.","start":783.87,"end":784.61,"sentiment":"neutral","sentiment_score":0.04919396061450243},{"text":"Yeah.","start":785.63,"end":786.13,"sentiment":"neutral","sentiment_score":-0.05658591166138649},{"text":"Oh, 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yeah.","start":801.005,"end":802.945,"sentiment":"neutral","sentiment_score":-0.014655586332082748},{"text":"Okay.","start":808.52,"end":809.02,"sentiment":"neutral","sentiment_score":0.02139236405491829}],"sentiment":"neutral","sentiment_score":0.019830538166893855,"num_words":9,"start":799.245,"end":809.02},{"sentences":[{"text":"Yep.","start":810.92,"end":811.4,"sentiment":"neutral","sentiment_score":0.0666927695274353},{"text":"Yeah.","start":811.4,"end":811.72,"sentiment":"neutral","sentiment_score":0.08646402508020401},{"text":"Exactly.","start":811.72,"end":812.22,"sentiment":"neutral","sentiment_score":0.11446744203567503},{"text":"Yep.","start":812.27997,"end":812.52,"sentiment":"neutral","sentiment_score":0.15140658617019653},{"text":"That'd be good.","start":812.52,"end":813.5,"sentiment":"neutral","sentiment_score":0.2490189472834269}],"sentiment":"neutral","sentiment_score":0.16658395209482738,"num_words":7,"start":810.92,"end":813.5},{"sentences":[{"text":"Otherwise, when 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you.","start":839.13995,"end":840.27997,"sentiment":"neutral","sentiment_score":0.045002711936831474},{"text":"And when it and when it comes through beneficiary, so if something ever were to happen to you, because I can see here that your for your super and your insurances, we don't have a nomination on file.","start":842.81995,"end":859.325,"sentiment":"neutral","sentiment_score":0.0016219580950411526},{"text":"Do you have someone you would like to make sure that the funds go through if something were to happen to you?","start":861.58,"end":868.24,"sentiment":"neutral","sentiment_score":-0.0010069639168002388},{"text":"Have you thought much about it?","start":868.54,"end":870.32,"sentiment":"neutral","sentiment_score":-0.04244521881143252}],"sentiment":"neutral","sentiment_score":0.005507661901238198,"num_words":74,"start":836.98,"end":870.32},{"sentences":[{"text":"Yep.","start":875.35504,"end":875.85504,"sentiment":"neutral","sentiment_score":-0.12197399139404295},{"text":"Yes and no.","start":882.47504,"end":883.515,"sentiment":"neutral","sentiment_score":0.10461084047953288},{"text":"It definitely can be for sure.","start":883.515,"end":885.94,"sentiment":"positive","sentiment_score":0.3568043460448583},{"text":"It's just a different way of setting it up.","start":886.16,"end":888.66,"sentiment":"neutral","sentiment_score":0.07986284792423248},{"text":"So because there's so many clients where it's like, well, if you don't have a partner or financial dependence or you just choose like, so many people give it to their brothers or sisters or cousins or nephews and nieces to super comment or parents or a friend or non for profit.","start":888.72,"end":906.375,"sentiment":"neutral","sentiment_score":0.08836341713770078}],"sentiment":"neutral","sentiment_score":0.10769504125059491,"num_words":71,"start":875.35504,"end":906.375},{"sentences":[{"text":"You can definitely do it.","start":906.675,"end":908.115,"sentiment":"positive","sentiment_score":0.595719987154007},{"text":"It is just a different way of setting it up.","start":908.115,"end":910.355,"sentiment":"neutral","sentiment_score":0.16335591971874236},{"text":"So to make it directly through super because of the CIS Act, it has to be a spouse, a child, financial dependent, or someone that you are in an interdependency relationship, which essentially is just someone who must be financially dependent on you at the time of your passing, you know, live together, providing support, and stuff.","start":910.355,"end":932.205,"sentiment":"neutral","sentiment_score":0.06425200559590992},{"text":"So a lot of people don't fall into this category.","start":932.205,"end":934.305,"sentiment":"neutral","sentiment_score":-0.0600899513810873},{"text":"So the way through go around it is that on the actual form, you would say that you want a 100% nominated through your legal personal representative.","start":934.765,"end":946.75,"sentiment":"neutral","sentiment_score":0.17366716182894176}],"sentiment":"neutral","sentiment_score":0.11341869089444843,"num_words":109,"start":906.675,"end":946.75},{"sentences":[{"text":"What that would then mean is that it reversed it back to your will.","start":948.33,"end":952.99,"sentiment":"neutral","sentiment_score":0.13176635014159338},{"text":"So downside is you do have to then get a will set up.","start":953.29004,"end":957.705,"sentiment":"neutral","sentiment_score":-0.08610664594631928},{"text":"But then in the will, you can stay for, like, whoever you want.","start":958.185,"end":961.945,"sentiment":"neutral","sentiment_score":0.12362921639130665},{"text":"So that could be your dad could have been your dad.","start":961.945,"end":965.625,"sentiment":"neutral","sentiment_score":0.1195054491135207},{"text":"Sorry.","start":965.625,"end":966.125,"sentiment":"neutral","sentiment_score":0.011645156890153883}],"sentiment":"neutral","sentiment_score":0.07036014259434663,"num_words":52,"start":948.33,"end":966.125},{"sentences":[{"text":"Your your sister, friends.","start":966.265,"end":969.705,"sentiment":"neutral","sentiment_score":0.026745294220745564},{"text":"It can be anybody, whoever you want.","start":969.705,"end":973.57,"sentiment":"neutral","sentiment_score":0.13193481734820775},{"text":"So it would then definitely still go to them.","start":973.95,"end":976.43,"sentiment":"neutral","sentiment_score":0.22996696001953548},{"text":"The reason you have to do it this way is because your super and insurances does not form part of your state automatically.","start":976.43,"end":982.13,"sentiment":"neutral","sentiment_score":-0.0748140173761741},{"text":"So you wanna avoid the trustee of the super insurance to determine where things go if something ever were to happen to you.","start":983.63,"end":992.53503,"sentiment":"neutral","sentiment_score":-0.24025114949630655}],"sentiment":"neutral","sentiment_score":-0.06282229241773937,"num_words":66,"start":966.265,"end":992.53503},{"sentences":[{"text":"So it is a little bit more painful having to do it through the world, but then at least that way, it's airtight of who we will go through.","start":992.59503,"end":1001.01,"sentiment":"negative","sentiment_score":-0.42010198790451575},{"text":"So we can definitely do.","start":1002.21,"end":1004.55,"sentiment":"neutral","sentiment_score":0.28240064680576327},{"text":"If you don't do anything, what could happen is the trustee can make a decision, and they could determine someone that they think is suitable, but you could also have people trying to make a claim.","start":1006.29004,"end":1017.605,"sentiment":"neutral","sentiment_score":-0.03203989803377125},{"text":"So if there's ever a ex partner or if there's a dispute within the family or if I don't know if you have multiple siblings, they can fight over what goes to whom.","start":1017.825,"end":1030.645,"sentiment":"neutral","sentiment_score":-0.1656384775132844},{"text":"So it could then cause issues and people trying to make a claim where that's not who you would actually want it to go to.","start":1031.28,"end":1042.1001,"sentiment":"negative","sentiment_score":-0.3995264798402786}],"sentiment":"neutral","sentiment_score":-0.21389548826846294,"num_words":128,"start":992.59503,"end":1042.1001},{"sentences":[{"text":"So that will be kind of the risk why not having anything.","start":1042.64,"end":1046.18,"sentiment":"negative","sentiment_score":-0.45695939908425015},{"text":"Yeah.","start":1051.595,"end":1052.095,"sentiment":"neutral","sentiment_score":-0.06420928984880447},{"text":"Yeah.","start":1054.5549,"end":1054.955,"sentiment":"neutral","sentiment_score":-0.1469334065914154},{"text":"And that's you don't want then and that's often what can happen.","start":1054.955,"end":1058.955,"sentiment":"neutral","sentiment_score":-0.30050865809122723},{"text":"And sometimes, unfortunately, when families do pass away, it brings out sometimes the worst of people when it comes to money.","start":1058.955,"end":1066.3099,"sentiment":"negative","sentiment_score":-0.4315909544626872}],"sentiment":"negative","sentiment_score":-0.3907270090694123,"num_words":47,"start":1042.64,"end":1066.3099},{"sentences":[{"text":"So yeah.","start":1067.33,"end":1068.39,"sentiment":"neutral","sentiment_score":-0.051719795912504196},{"text":"So would you do you have access to a printer or not really?","start":1072.29,"end":1076.3099,"sentiment":"neutral","sentiment_score":-0.04207027216370289},{"text":"Nope.","start":1078.0851,"end":1078.5851,"sentiment":"neutral","sentiment_score":-0.33253538608551025},{"text":"No.","start":1081.8451,"end":1082.0851,"sentiment":"neutral","sentiment_score":-0.1000918745994568},{"text":"That's okay.","start":1082.0851,"end":1082.905,"sentiment":"neutral","sentiment_score":0.04752802662551403}],"sentiment":"neutral","sentiment_score":-0.051996017757215,"num_words":19,"start":1067.33,"end":1082.905},{"sentences":[{"text":"So what I will do, Renee, is I will get the team to repost these forms to you.","start":1085.045,"end":1091.2251,"sentiment":"neutral","sentiment_score":0.11010751728382376},{"text":"Sorry.","start":1091.75,"end":1091.91,"sentiment":"neutral","sentiment_score":-0.0008033905178308487},{"text":"Can you hear me?","start":1091.91,"end":1092.89,"sentiment":"neutral","sentiment_score":-0.003774742595851421},{"text":"Yes.","start":1094.4701,"end":1094.87,"sentiment":"neutral","sentiment_score":0.16370081901550293},{"text":"I will post them to you.","start":1094.87,"end":1097.2101,"sentiment":"neutral","sentiment_score":0.22944269826014838}],"sentiment":"neutral","sentiment_score":0.11687966529279947,"num_words":30,"start":1085.045,"end":1097.2101},{"sentences":[{"text":"That way you have them, and then have a think about it.","start":1097.75,"end":1102.5701,"sentiment":"neutral","sentiment_score":0.28298063203692436},{"text":"You can always just complete these forms anyway without a will for now.","start":1102.87,"end":1107.005,"sentiment":"neutral","sentiment_score":0.2893928461349927},{"text":"That way it's enforced, and you don't ever have to change it.","start":1107.005,"end":1110.625,"sentiment":"neutral","sentiment_score":0.2522933005044858},{"text":"And then when you do get your will, you don't have to contact us on changing these forms.","start":1111.005,"end":1115.985,"sentiment":"neutral","sentiment_score":0.22324773545066515},{"text":"And if there's ever any changes to who you wanna nominate, you can just update the will because these form stays in place so you can assess the will.","start":1116.205,"end":1124.4901,"sentiment":"neutral","sentiment_score":0.20281996449519848}],"sentiment":"neutral","sentiment_score":0.23911467141338758,"num_words":84,"start":1097.75,"end":1124.4901},{"sentences":[{"text":"Then you can update the will however many times you want.","start":1124.4901,"end":1126.91,"sentiment":"neutral","sentiment_score":0.11578348482196982},{"text":"Does that make sense?","start":1128.4901,"end":1129.63,"sentiment":"neutral","sentiment_score":0.09084810223430395},{"text":"Yeah.","start":1130.81,"end":1131.29,"sentiment":"neutral","sentiment_score":-0.169266939163208},{"text":"Yeah.","start":1131.29,"end":1131.79,"sentiment":"neutral","sentiment_score":-0.12571263313293457},{"text":"Sorry.","start":1132.0901,"end":1132.5901,"sentiment":"neutral","sentiment_score":-0.21766416728496552}],"sentiment":"neutral","sentiment_score":0.06246483346654309,"num_words":18,"start":1124.4901,"end":1132.5901},{"sentences":[{"text":"Yeah.","start":1139.7351,"end":1140.135,"sentiment":"neutral","sentiment_score":-0.11939677596092224},{"text":"Okay.","start":1140.135,"end":1140.635,"sentiment":"neutral","sentiment_score":-0.13825686275959015},{"text":"Oh, yeah.","start":1143.3351,"end":1144.0751,"sentiment":"neutral","sentiment_score":-0.19563278555870056},{"text":"Eight yeah.","start":1144.8551,"end":1145.8351,"sentiment":"neutral","sentiment_score":-0.20487429946660995},{"text":"Okay.","start":1147.92,"end":1148.42,"sentiment":"neutral","sentiment_score":-0.011383559554815292}],"sentiment":"neutral","sentiment_score":-0.15286448118942125,"num_words":7,"start":1139.7351,"end":1148.42},{"sentences":[{"text":"No.","start":1152.08,"end":1152.58,"sentiment":"neutral","sentiment_score":-0.16377153992652893},{"text":"Yeah.","start":1153.52,"end":1154.02,"sentiment":"neutral","sentiment_score":-0.08635984361171722},{"text":"No.","start":1154.08,"end":1154.58,"sentiment":"neutral","sentiment_score":-0.1714099645614624},{"text":"And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from.","start":1155.04,"end":1164.145,"sentiment":"neutral","sentiment_score":-0.09244913207711997},{"text":"So I can get the team to prefill this for you if you would like.","start":1164.605,"end":1169.105,"sentiment":"neutral","sentiment_score":0.12416873499751091}],"sentiment":"neutral","sentiment_score":-0.023447486427095203,"num_words":45,"start":1152.08,"end":1169.105},{"sentences":[{"text":"But because you are making a nomination, you would just have to obviously sign it and get a witness yourself.","start":1169.245,"end":1174.0599,"sentiment":"neutral","sentiment_score":0.051240257918834686},{"text":"But I can get a prefill based on what you want today, so I can prefill it through the will.","start":1174.0599,"end":1179.12,"sentiment":"neutral","sentiment_score":0.22764134779572487},{"text":"Now there are two different types of nominations otherwise, which you can have a binding or a nonbinding option.","start":1179.58,"end":1186.3999,"sentiment":"neutral","sentiment_score":0.05374949655838703},{"text":"Basically, what it means yeah.","start":1187.345,"end":1189.985,"sentiment":"neutral","sentiment_score":0.0580376535654068},{"text":"So a binding means that it's basically bound, so the trustee of your superinsurance are bound to follow your wishes.","start":1189.985,"end":1196.465,"sentiment":"neutral","sentiment_score":0.21171639002859594}],"sentiment":"neutral","sentiment_score":0.13242129306308925,"num_words":84,"start":1169.245,"end":1196.465},{"sentences":[{"text":"So that gives you the most amount of certainty.","start":1196.465,"end":1198.405,"sentiment":"neutral","sentiment_score":0.33124929169813794},{"text":"And nonbinding means that you say, this is what I want to have happen, but at the end of the day, they can then choose where they wanted to go.","start":1198.865,"end":1207.4199,"sentiment":"neutral","sentiment_score":0.1703638553619385},{"text":"Which one would you prefer?","start":1207.72,"end":1209.1,"sentiment":"neutral","sentiment_score":0.10199299603700637},{"text":"Yes.","start":1213.88,"end":1214.38,"sentiment":"neutral","sentiment_score":0.3221587538719177},{"text":"That is what most people go to binding because that gives you the certainty.","start":1214.68,"end":1219.235,"sentiment":"neutral","sentiment_score":0.31163922377995085}],"sentiment":"neutral","sentiment_score":0.22520732462911283,"num_words":59,"start":1196.465,"end":1219.235},{"sentences":[{"text":"No one it's the only reason you typically you would only have a nonbinding is because not every super fund allows it.","start":1220.975,"end":1227.955,"sentiment":"neutral","sentiment_score":-0.11924946409734813},{"text":"But for you, they do.","start":1229.5901,"end":1230.89,"sentiment":"neutral","sentiment_score":0.03617817535996437},{"text":"Sorry.","start":1231.51,"end":1232.01,"sentiment":"neutral","sentiment_score":-0.1607132852077484},{"text":"Sorry.","start":1232.31,"end":1232.81,"sentiment":"neutral","sentiment_score":-0.0555044524371624},{"text":"Correct.","start":1235.1901,"end":1235.6901,"sentiment":"neutral","sentiment_score":0.12664128839969635}],"sentiment":"neutral","sentiment_score":-0.0844057927529017,"num_words":30,"start":1220.975,"end":1235.6901},{"sentences":[{"text":"Correct.","start":1237.3501,"end":1237.8501,"sentiment":"neutral","sentiment_score":0.22933298349380493},{"text":"It is exactly.","start":1237.91,"end":1238.89,"sentiment":"neutral","sentiment_score":0.2889765997727712},{"text":"Now you then have lapsing or non lapsing.","start":1240.55,"end":1244.7649,"sentiment":"neutral","sentiment_score":0.09722425509244204},{"text":"Lapsing means that every three years, you have to recomplete the form.","start":1245.225,"end":1249.245,"sentiment":"neutral","sentiment_score":0.0633626701310277},{"text":"Non lapsing means it stays in place until you decide to change it.","start":1249.7849,"end":1253.485,"sentiment":"neutral","sentiment_score":0.061610143058575116}],"sentiment":"neutral","sentiment_score":0.09284704661852605,"num_words":37,"start":1237.3501,"end":1253.485},{"sentences":[{"text":"Non laxity.","start":1258.44,"end":1259.1599,"sentiment":"neutral","sentiment_score":0.016004333272576332},{"text":"Yeah.","start":1259.1599,"end":1259.6599,"sentiment":"positive","sentiment_score":0.3855659365653992},{"text":"Again, that's what most people would choose so you don't have the hassle, especially with the will, because if anything change, you could just update the will.","start":1259.7999,"end":1266.7799,"sentiment":"positive","sentiment_score":0.4246936528771012},{"text":"Yes.","start":1270.155,"end":1270.635,"sentiment":"neutral","sentiment_score":0.2836341857910156},{"text":"Oh, careful.","start":1270.635,"end":1271.295,"sentiment":"neutral","sentiment_score":0.2834426760673523}],"sentiment":"positive","sentiment_score":0.38590372026418196,"num_words":33,"start":1258.44,"end":1271.295},{"sentences":[{"text":"Now I will get these prefilled for you, and I will get them reposted.","start":1275.995,"end":1279.535,"sentiment":"positive","sentiment_score":0.46123857157570974},{"text":"And then let me know how you go.","start":1281.9,"end":1283.76,"sentiment":"positive","sentiment_score":0.39148665498942137},{"text":"And if you do end up getting a will and if it's not through a lawyer, if you just do, like, a will kit yourself or something like that, if you would like us to keep a copy on file, you can always email it to me, and then I can keep on file along with the other documents to make it easy as well.","start":1284.2201,"end":1300.5449,"sentiment":"neutral","sentiment_score":0.18344339224008413},{"text":"Yeah.","start":1302.605,"end":1303.105,"sentiment":"positive","sentiment_score":0.4855907559394837},{"text":"No.","start":1312.2999,"end":1312.7,"sentiment":"neutral","sentiment_score":-0.09467817097902298}],"sentiment":"neutral","sentiment_score":0.24611198115214872,"num_words":89,"start":1275.995,"end":1312.7},{"sentences":[{"text":"Not really.","start":1312.7,"end":1313.44,"sentiment":"neutral","sentiment_score":-0.10007811337709427},{"text":"Because it's just a matter of, like, you you can you can take however long you want to do the forms.","start":1313.66,"end":1318.4,"sentiment":"neutral","sentiment_score":-0.02491727178650243},{"text":"That's fine.","start":1318.54,"end":1319.02,"sentiment":"neutral","sentiment_score":0.12810362502932549},{"text":"It doesn't change unless we somehow change your insurances or change your super funds.","start":1319.02,"end":1324.105,"sentiment":"neutral","sentiment_score":-0.025558166338929107},{"text":"But if not, there's no time.","start":1324.405,"end":1326.405,"sentiment":"neutral","sentiment_score":-0.1239055593808492}],"sentiment":"neutral","sentiment_score":-0.03485465264982647,"num_words":45,"start":1312.7,"end":1326.405},{"sentences":[{"text":"The only thing is, obviously, it is advised to do it as soon as possible.","start":1326.405,"end":1330.405,"sentiment":"neutral","sentiment_score":-0.0519265038271745},{"text":"So if something were to happen, we have it in place.","start":1330.405,"end":1333.0651,"sentiment":"neutral","sentiment_score":0.008163402365012602},{"text":"But if you take like, there's no time, it doesn't expire.","start":1333.365,"end":1336.4501,"sentiment":"neutral","sentiment_score":-0.07559054751287807},{"text":"Yeah.","start":1354.125,"end":1354.625,"sentiment":"neutral","sentiment_score":-0.04176211357116699},{"text":"Yeah.","start":1356.925,"end":1357.425,"sentiment":"neutral","sentiment_score":-0.09468001127243042}],"sentiment":"neutral","sentiment_score":-0.042488160996865004,"num_words":39,"start":1326.405,"end":1357.425},{"sentences":[{"text":"No.","start":1358.765,"end":1359.265,"sentiment":"neutral","sentiment_score":-0.1733171045780182},{"text":"No.","start":1359.405,"end":1359.905,"sentiment":"neutral","sentiment_score":-0.20346078276634216},{"text":"Alright.","start":1365.0,"end":1365.5,"sentiment":"neutral","sentiment_score":-0.14334920048713684},{"text":"That's annoying.","start":1374.2949,"end":1375.195,"sentiment":"negative","sentiment_score":-0.3890467584133148},{"text":"Yeah.","start":1378.2949,"end":1378.7949,"sentiment":"neutral","sentiment_score":-0.08793516457080841}],"sentiment":"neutral","sentiment_score":-0.23102596153815588,"num_words":6,"start":1358.765,"end":1378.7949},{"sentences":[{"text":"Or no.","start":1380.775,"end":1381.575,"sentiment":"neutral","sentiment_score":-0.10210823640227318},{"text":"That is that is very strange because, no, usually, you like, if we send you the forms, if you have the form sitting at home for three months, that's fine.","start":1381.575,"end":1390.49,"sentiment":"neutral","sentiment_score":-0.11056215949356556},{"text":"If you no.","start":1391.51,"end":1393.59,"sentiment":"neutral","sentiment_score":-0.12766610582669577},{"text":"I haven't really had anyone through signing anything, and they've come back and saying it's outside a time frame.","start":1393.59,"end":1399.45,"sentiment":"neutral","sentiment_score":-0.19375794027981005},{"text":"That's only TPAs.","start":1400.1499,"end":1401.45,"sentiment":"neutral","sentiment_score":-0.12219011783599854}],"sentiment":"neutral","sentiment_score":-0.13950966305115767,"num_words":57,"start":1380.775,"end":1401.45},{"sentences":[{"text":"Is there anything sometimes?","start":1401.795,"end":1402.995,"sentiment":"neutral","sentiment_score":-0.06692225392907858},{"text":"Like, if we were doing, like, a third party authority research on the previous super fund, that sometimes has an expiry.","start":1402.995,"end":1409.415,"sentiment":"neutral","sentiment_score":-0.053416631140169646},{"text":"But these forms, no.","start":1410.275,"end":1411.895,"sentiment":"neutral","sentiment_score":-0.07677161507308483},{"text":"Because, yeah, sometimes it's like, well, if I need to go and get a witness, and that can't be the person who I nominate.","start":1413.0751,"end":1419.02,"sentiment":"neutral","sentiment_score":-0.08909598644822836},{"text":"Like, if you because you're doing the well, it's fine, but it has to be witnessed by two people.","start":1419.02,"end":1423.74,"sentiment":"neutral","sentiment_score":-0.09163954697157208}],"sentiment":"neutral","sentiment_score":-0.07744416384957731,"num_words":72,"start":1401.795,"end":1423.74},{"sentences":[{"text":"So sometimes, you know, you don't have someone close by or I mean, you could get colleagues.","start":1423.74,"end":1429.66,"sentiment":"neutral","sentiment_score":-0.051549403873436594},{"text":"You could do whoever you want, really.","start":1429.66,"end":1431.02,"sentiment":"neutral","sentiment_score":-0.022359846425907954},{"text":"It just has to be two people that witness it.","start":1431.02,"end":1434.135,"sentiment":"neutral","sentiment_score":-0.08971546404063702},{"text":"But, yeah, you don't always have time for that.","start":1436.195,"end":1438.275,"sentiment":"neutral","sentiment_score":-0.2350430323017968},{"text":"So, no, there's no time frame of when you have to complete them.","start":1438.275,"end":1441.095,"sentiment":"neutral","sentiment_score":-0.13502935721324041}],"sentiment":"neutral","sentiment_score":-0.10358539938793651,"num_words":56,"start":1423.74,"end":1441.095},{"sentences":[{"text":"So you can take your time.","start":1441.395,"end":1442.515,"sentiment":"neutral","sentiment_score":-0.007343589638670285},{"text":"Obviously, try to do it when you have a moment, sorry, if something were to happen.","start":1442.515,"end":1446.27,"sentiment":"neutral","sentiment_score":0.006018944783136249},{"text":"But, no, if it takes a month or two for you to send it back, that is fine.","start":1446.51,"end":1450.11,"sentiment":"neutral","sentiment_score":-0.04477593737343947},{"text":"It won't expire.","start":1450.11,"end":1450.93,"sentiment":"neutral","sentiment_score":-0.07034784058729808},{"text":"Yeah.","start":1452.8301,"end":1453.3301,"sentiment":"neutral","sentiment_score":0.004196129739284515}],"sentiment":"neutral","sentiment_score":-0.02183119741014459,"num_words":44,"start":1441.395,"end":1453.3301},{"sentences":[{"text":"Yeah.","start":1456.1901,"end":1456.6901,"sentiment":"neutral","sentiment_score":-0.06272462010383606},{"text":"Yeah.","start":1459.0701,"end":1459.47,"sentiment":"neutral","sentiment_score":-0.06505079567432404},{"text":"Maybe not.","start":1459.47,"end":1460.37,"sentiment":"neutral","sentiment_score":-0.060235535725951195},{"text":"Maybe yeah.","start":1462.485,"end":1464.105,"sentiment":"neutral","sentiment_score":-0.06252117455005646},{"text":"Trust the neighbor.","start":1464.965,"end":1466.025,"sentiment":"neutral","sentiment_score":-0.2393240729967753}],"sentiment":"neutral","sentiment_score":-0.12125122836894459,"num_words":9,"start":1456.1901,"end":1466.025},{"sentences":[{"text":"So, yeah, take your time or friends.","start":1468.725,"end":1471.125,"sentiment":"neutral","sentiment_score":0.08053594987307276},{"text":"So anyone, take your time.","start":1471.125,"end":1473.785,"sentiment":"neutral","sentiment_score":0.14693163931369782},{"text":"I will get them posted out through you anyway so you have them.","start":1474.805,"end":1477.945,"sentiment":"neutral","sentiment_score":0.14035516490156835},{"text":"When you get them, if you are confused, just call me, and we can always talk through it.","start":1478.2699,"end":1482.4299,"sentiment":"neutral","sentiment_score":0.06575282818327348},{"text":"I'll get it prefilled for you to make it easy.","start":1482.4299,"end":1484.7699,"sentiment":"neutral","sentiment_score":0.2122331976890564}],"sentiment":"neutral","sentiment_score":0.12130018629414856,"num_words":53,"start":1468.725,"end":1484.7699},{"sentences":[{"text":"Yeah.","start":1486.59,"end":1487.09,"sentiment":"positive","sentiment_score":0.4559158980846405},{"text":"Exactly.","start":1487.63,"end":1488.13,"sentiment":"neutral","sentiment_score":0.2315610647201538},{"text":"Yeah.","start":1490.205,"end":1490.445,"sentiment":"neutral","sentiment_score":-0.29086390137672424},{"text":"That'll be annoying having to redo it, especially because, yeah, life gets in the way.","start":1490.445,"end":1494.3049,"sentiment":"negative","sentiment_score":-0.3775465567906698},{"text":"And I know myself with work and stuff.","start":1494.365,"end":1496.5449,"sentiment":"neutral","sentiment_score":-0.1684502586722374}],"sentiment":"neutral","sentiment_score":-0.25439182153114903,"num_words":26,"start":1486.59,"end":1496.5449},{"sentences":[{"text":"And then you'll wanna you don't wanna have to redo it again.","start":1502.46,"end":1504.62,"sentiment":"neutral","sentiment_score":-0.023699643090367317},{"text":"So I'll get it prefilled.","start":1504.62,"end":1505.76,"sentiment":"neutral","sentiment_score":0.1696002557873726},{"text":"And that way, you just have to sign it and date it, and that's all you have to do.","start":1506.62,"end":1510.5599,"sentiment":"neutral","sentiment_score":0.2344092758078324},{"text":"Yeah.","start":1513.1,"end":1513.6,"sentiment":"neutral","sentiment_score":0.3312339186668396},{"text":"Perfect.","start":1513.82,"end":1514.32,"sentiment":"positive","sentiment_score":0.5319440364837646}],"sentiment":"neutral","sentiment_score":0.15475157256189145,"num_words":38,"start":1502.46,"end":1514.32},{"sentences":[{"text":"Now, otherwise, I guess, kind of goal stuff that you are working towards, it's always good time as well during annual review to do a bit of a check-in to be like, okay.","start":1515.855,"end":1523.6951,"sentiment":"neutral","sentiment_score":0.2708735504385197},{"text":"Well, what actually happened in the last twelve months?","start":1523.6951,"end":1526.3351,"sentiment":"neutral","sentiment_score":0.1174168586730957},{"text":"Did I achieve what I wanted to, or is that, like, a more of a long term goal?","start":1526.3351,"end":1530.21,"sentiment":"neutral","sentiment_score":0.16364649145139587},{"text":"So I know that when you spoke to, I think it was my colleague, Dana, that you spoke to last time, your main focus was to reduce debt on your mortgage, put a pull in, which you obviously have, and then potentially upgrade the car within the next couple of years, which I know you kind of mentioned is still the goal with the car.","start":1530.5299,"end":1551.275,"sentiment":"neutral","sentiment_score":0.1125822249513406},{"text":"But is that still kind of, like, your focus otherwise through reduced debt on the mortgage?","start":1551.275,"end":1555.615,"sentiment":"neutral","sentiment_score":0.05592052242718637}],"sentiment":"neutral","sentiment_score":0.15002687034983161,"num_words":141,"start":1515.855,"end":1555.615},{"sentences":[{"text":"Would you have any other specific goals you're working towards?","start":1555.755,"end":1558.495,"sentiment":"neutral","sentiment_score":0.04840635024011135},{"text":"Mortgage.","start":1561.47,"end":1561.97,"sentiment":"neutral","sentiment_score":-0.01283029094338417},{"text":"Yep.","start":1563.07,"end":1563.57,"sentiment":"neutral","sentiment_score":0.007311549037694931},{"text":"That's the future thing.","start":1569.47,"end":1571.09,"sentiment":"neutral","sentiment_score":-0.04267510399222374},{"text":"Yeah.","start":1578.675,"end":1579.175,"sentiment":"neutral","sentiment_score":0.019344881176948547}],"sentiment":"neutral","sentiment_score":0.01924642504138105,"num_words":17,"start":1555.755,"end":1579.175},{"sentences":[{"text":"But to be fair, it's like nowadays, it's like everyone is getting it later.","start":1582.035,"end":1589.26,"sentiment":"neutral","sentiment_score":-0.06830722080277545},{"text":"And it's, like, maybe oversharing, but I'm 32, and I'm pregnant at the moment.","start":1590.04,"end":1596.52,"sentiment":"neutral","sentiment_score":-0.07392738945782185},{"text":"And we happen on the first go.","start":1596.52,"end":1598.36,"sentiment":"neutral","sentiment_score":-0.012108965643814631},{"text":"So so, you know, it's not all about that, and everyone was telling me the same.","start":1598.36,"end":1604.6151,"sentiment":"neutral","sentiment_score":-0.025512133783195168},{"text":"It's like, oh my god.","start":1604.675,"end":1606.055,"sentiment":"neutral","sentiment_score":-0.07917358726263046}],"sentiment":"neutral","sentiment_score":-0.05143052464284535,"num_words":56,"start":1582.035,"end":1606.055},{"sentences":[{"text":"Yeah.","start":1607.395,"end":1607.895,"sentiment":"neutral","sentiment_score":-0.03270596265792847},{"text":"Yeah.","start":1616.11,"end":1616.61,"sentiment":"neutral","sentiment_score":-0.07632669061422348},{"text":"Yeah.","start":1619.07,"end":1619.57,"sentiment":"neutral","sentiment_score":-0.03491273522377014},{"text":"Yeah.","start":1624.4451,"end":1624.9451,"sentiment":"neutral","sentiment_score":-0.029229598119854927},{"text":"Yeah.","start":1630.205,"end":1630.705,"sentiment":"neutral","sentiment_score":-0.04360886290669441}],"sentiment":"neutral","sentiment_score":-0.04335676990449429,"num_words":5,"start":1607.395,"end":1630.705},{"sentences":[{"text":"Yeah.","start":1634.4451,"end":1634.9451,"sentiment":"neutral","sentiment_score":-0.01503343041986227},{"text":"That's correct.","start":1637.9,"end":1638.72,"sentiment":"neutral","sentiment_score":-0.08713769167661667},{"text":"Yeah.","start":1639.42,"end":1639.92,"sentiment":"neutral","sentiment_score":-0.08279958367347717},{"text":"Yes.","start":1642.38,"end":1642.88,"sentiment":"neutral","sentiment_score":-0.045988261699676514},{"text":"And yeah.","start":1644.4601,"end":1645.18,"sentiment":"neutral","sentiment_score":-0.11756383255124092}],"sentiment":"neutral","sentiment_score":-0.0790320463212473,"num_words":7,"start":1634.4451,"end":1645.18},{"sentences":[{"text":"And it's hard because it's I mean, you're hearing it as well, and I think a lot of it is also, like, there's a lot of external factors and stuff.","start":1645.18,"end":1651.655,"sentiment":"neutral","sentiment_score":-0.2894485488533974},{"text":"And, obviously, I'm not a health profession, so I don't know.","start":1651.655,"end":1654.555,"sentiment":"neutral","sentiment_score":-0.2161229279908267},{"text":"But, obviously, lifestyle and everything like that, yeah, plays a role in one of my my best friend, she's 38, and they they just, you know, turned pregnant, and it was fun.","start":1655.015,"end":1668.67,"sentiment":"neutral","sentiment_score":0.04638688944396563},{"text":"But then I also have some other friends who are, like, late twenties, and they've been trying for years.","start":1669.21,"end":1675.13,"sentiment":"neutral","sentiment_score":-0.06641486992961482},{"text":"So it's like I think people try to scare you a lot by being like, oh, you have to do it, but it's like it's so everyone gets kids later in life because you wanna, you know, you wanna have a career.","start":1675.13,"end":1685.705,"sentiment":"neutral","sentiment_score":-0.11301870315912224}],"sentiment":"neutral","sentiment_score":-0.11630668860179053,"num_words":134,"start":1645.18,"end":1685.705},{"sentences":[{"text":"You wanna have your job.","start":1685.705,"end":1686.665,"sentiment":"positive","sentiment_score":0.33936492204666135},{"text":"You wanna have stability.","start":1686.665,"end":1687.785,"sentiment":"positive","sentiment_score":0.5152097344398499},{"text":"You wanna have a house.","start":1687.785,"end":1688.665,"sentiment":"positive","sentiment_score":0.514360773563385},{"text":"And it's like, that can't happen by the time I'm 25.","start":1688.665,"end":1691.5499,"sentiment":"neutral","sentiment_score":0.02676828789778731},{"text":"Like, it just won't.","start":1691.85,"end":1693.1499,"sentiment":"neutral","sentiment_score":0.013403991237282753}],"sentiment":"neutral","sentiment_score":0.2302598119873939,"num_words":29,"start":1685.705,"end":1693.1499},{"sentences":[{"text":"So exactly.","start":1693.85,"end":1696.27,"sentiment":"neutral","sentiment_score":0.08378656581044197},{"text":"So it you know, everyone's different, but I wouldn't stress too much because, yeah, you are you're you're younger than me, and everyone's different, but I wouldn't and sometimes stressing about it through as much as you do, it makes it worse.","start":1696.8099,"end":1713.645,"sentiment":"neutral","sentiment_score":-0.17217536383707607},{"text":"Yes.","start":1713.645,"end":1714.145,"sentiment":"neutral","sentiment_score":-0.0720897912979126},{"text":"Because then you constantly put the pressure.","start":1714.285,"end":1716.145,"sentiment":"neutral","sentiment_score":-0.2254734124456133},{"text":"You know?","start":1716.285,"end":1716.945,"sentiment":"neutral","sentiment_score":-0.11069127917289734}],"sentiment":"neutral","sentiment_score":-0.16547367382035763,"num_words":54,"start":1693.85,"end":1716.945},{"sentences":[{"text":"So I wouldn't stress if I were you anyway.","start":1718.76,"end":1721.5801,"sentiment":"neutral","sentiment_score":-0.10835293432076772},{"text":"Yeah.","start":1721.72,"end":1722.22,"sentiment":"neutral","sentiment_score":0.018817532807588577},{"text":"And it's very individual.","start":1722.6,"end":1724.06,"sentiment":"neutral","sentiment_score":0.01898842374794185},{"text":"But but, yes, I don't know if that helped him any worse.","start":1724.2001,"end":1726.92,"sentiment":"neutral","sentiment_score":-0.11583730267981689},{"text":"But yeah.","start":1726.92,"end":1730.38,"sentiment":"neutral","sentiment_score":0.06523770838975906}],"sentiment":"neutral","sentiment_score":-0.07642776415949422,"num_words":28,"start":1718.76,"end":1730.38},{"sentences":[{"text":"Perfect.","start":1730.4401,"end":1730.9401,"sentiment":"positive","sentiment_score":0.4073807895183563},{"text":"Now, otherwise, Renee, I guess when it comes to your superannuation, when it comes to your risk profile so I know you did a pretty extensive risk profile questionnaire with Dana last time, so I won't go through all of those questions with you again.","start":1733.045,"end":1745.385,"sentiment":"neutral","sentiment_score":0.057825080967611735},{"text":"But, essentially, we have you invested in a growth portfolio.","start":1746.65,"end":1750.59,"sentiment":"neutral","sentiment_score":0.13644088581204414},{"text":"Now just a little recap for you.","start":1751.77,"end":1754.01,"sentiment":"neutral","sentiment_score":0.12162102439573833},{"text":"Typically, when it comes to a growth portfolio, like a growth investor, what we would call it, is tailored for people who are looking at getting as much growth as you can out of out of your superannuation while you do have, you know, plenty of time until retirement.","start":1754.01,"end":1768.6749,"sentiment":"neutral","sentiment_score":0.19108283565360673}],"sentiment":"neutral","sentiment_score":0.13025289650873415,"num_words":112,"start":1730.4401,"end":1768.6749},{"sentences":[{"text":"At the same time, someone who are comfortable seeing a bit of fluctuations in the market in order to achieve that growth long term.","start":1770.095,"end":1777.56,"sentiment":"neutral","sentiment_score":0.12999175302684307},{"text":"So short term will be some fluctuations.","start":1777.78,"end":1779.9601,"sentiment":"neutral","sentiment_score":0.07873242774180003},{"text":"Some years might not be as great as others.","start":1780.1001,"end":1782.4401,"sentiment":"neutral","sentiment_score":-0.018197482658757105},{"text":"But over the long term, the focus is then to tryna get as much growth as possible to take advantage of those kind of ups and downs and mark special, like, market niches, if that makes sense.","start":1782.5801,"end":1793.1849,"sentiment":"neutral","sentiment_score":0.2362479170834696},{"text":"Yep.","start":1794.845,"end":1795.345,"sentiment":"neutral","sentiment_score":0.2202709913253784}],"sentiment":"neutral","sentiment_score":0.15985379033745864,"num_words":78,"start":1770.095,"end":1795.345},{"sentences":[{"text":"And when it comes to an actual asset allocation, so how your money is invested, we typically see 80% in what we call your growth assets.","start":1795.485,"end":1806.51,"sentiment":"neutral","sentiment_score":0.21818974212958261},{"text":"So this will be things like Australian shares, international shares, property, and commodities, and that is what's going to give you that growth.","start":1806.5701,"end":1815.23,"sentiment":"neutral","sentiment_score":0.24415724416789802},{"text":"But then we also wanna have some defensive to limit fluctuations a little bit, and we have about 20% of that.","start":1815.415,"end":1822.775,"sentiment":"neutral","sentiment_score":0.1652347445487976},{"text":"So that will be, like, your cash, your gold, your fixed interest, for example, to limit fluctuations a little bit.","start":1822.775,"end":1829.25,"sentiment":"neutral","sentiment_score":0.2101625196635723},{"text":"And just for your reference, when we're talking about a time frame, because that's also important, making sure you have enough time in the market.","start":1829.41,"end":1835.51,"sentiment":"neutral","sentiment_score":0.17220388054847718}],"sentiment":"neutral","sentiment_score":0.2023202343803385,"num_words":115,"start":1795.485,"end":1835.51},{"sentences":[{"text":"Because the the closer you get through a time and later, then that's when you wanna start slowly reducing that risk.","start":1835.65,"end":1841.19,"sentiment":"neutral","sentiment_score":0.1901814029330299},{"text":"Because if you wanna access your money tomorrow, you don't want that to be a bit of a dip.","start":1841.885,"end":1846.065,"sentiment":"neutral","sentiment_score":0.09690902068426735},{"text":"So making sure we have enough time.","start":1847.085,"end":1848.845,"sentiment":"neutral","sentiment_score":0.21060008874961308},{"text":"So in a growth portfolio, we wanna allow minimum six years to retire.","start":1848.845,"end":1853.105,"sentiment":"neutral","sentiment_score":0.2173848576270617},{"text":"So from a time frame, you are certainly have the time behind you.","start":1853.245,"end":1857.4401,"sentiment":"neutral","sentiment_score":0.2310146941588475}],"sentiment":"neutral","sentiment_score":0.1799791184802578,"num_words":73,"start":1835.65,"end":1857.4401},{"sentences":[{"text":"As long as that are you still comfortable with the level of risk and a growth portfolio?","start":1858.38,"end":1863.6,"sentiment":"neutral","sentiment_score":0.25306984606911154},{"text":"Are you still happy with all of that?","start":1863.98,"end":1865.8201,"sentiment":"neutral","sentiment_score":0.2721001673489809},{"text":"Has any of your risk tolerance changed, or is it all kind of the same?","start":1865.8201,"end":1869.2001,"sentiment":"neutral","sentiment_score":0.04321717172861099},{"text":"No.","start":1871.3551,"end":1871.8551,"sentiment":"neutral","sentiment_score":-0.1980377435684204},{"text":"Yeah.","start":1874.875,"end":1875.375,"sentiment":"neutral","sentiment_score":0.020147262141108513}],"sentiment":"neutral","sentiment_score":0.16546085277306183,"num_words":42,"start":1858.38,"end":1875.375},{"sentences":[{"text":"Yes.","start":1878.395,"end":1878.895,"sentiment":"neutral","sentiment_score":0.06295103579759598},{"text":"All good.","start":1880.0751,"end":1880.8151,"sentiment":"neutral","sentiment_score":0.10776633024215698},{"text":"Thought it's okay.","start":1957.79,"end":1958.77,"sentiment":"neutral","sentiment_score":-0.055188325544198356},{"text":"Just calm down, buddy.","start":1965.87,"end":1967.09,"sentiment":"neutral","sentiment_score":-0.15009373053908348},{"text":"Oh, really?","start":1972.495,"end":1972.975,"sentiment":"neutral","sentiment_score":-0.23962658643722534}],"sentiment":"neutral","sentiment_score":-0.08055911461512248,"num_words":12,"start":1878.395,"end":1972.975},{"sentences":[{"text":"That's annoying.","start":1972.975,"end":1973.715,"sentiment":"negative","sentiment_score":-0.5846919417381287},{"text":"Maybe you should have said, no.","start":1983.55,"end":1984.75,"sentiment":"neutral","sentiment_score":-0.22119855880737305},{"text":"Someone has just bought it to stop parking there, please.","start":1984.75,"end":1987.09,"sentiment":"negative","sentiment_score":-0.35119037330150604},{"text":"Yeah.","start":1991.55,"end":1992.05,"sentiment":"neutral","sentiment_score":-0.043933264911174774},{"text":"So stop it.","start":1992.27,"end":1993.07,"sentiment":"neutral","sentiment_score":-0.10387864957253139}],"sentiment":"neutral","sentiment_score":-0.2892749174074693,"num_words":22,"start":1972.975,"end":1993.07},{"sentences":[{"text":"Oh, that's annoying.","start":1993.07,"end":1994.05,"sentiment":"negative","sentiment_score":-0.4015122751394908},{"text":"That's annoying.","start":1994.27,"end":1995.01,"sentiment":"negative","sentiment_score":-0.4699694365262985},{"text":"Yes.","start":2000.0751,"end":2000.5751,"sentiment":"neutral","sentiment_score":-0.04518202692270279},{"text":"Yeah.","start":2005.115,"end":2005.615,"sentiment":"neutral","sentiment_score":-0.03640912473201752},{"text":"Well, there's heat up in, like, on on the Gold Coast.","start":2006.0751,"end":2009.6901,"sentiment":"neutral","sentiment_score":-0.04217096960002726}],"sentiment":"neutral","sentiment_score":-0.1494415286514494,"num_words":18,"start":1993.07,"end":2009.6901},{"sentences":[{"text":"Obviously, you are a little bit further up, but I live more like Pacific Pines and stuff.","start":2009.6901,"end":2014.17,"sentiment":"neutral","sentiment_score":-0.03806317466146806},{"text":"And even where, like, Sandgate 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Ridge.","start":2027.235,"end":2027.875,"sentiment":"neutral","sentiment_score":0.007930840365588665},{"text":"Yeah.","start":2027.875,"end":2028.195,"sentiment":"neutral","sentiment_score":0.003860796801745891},{"text":"And even, like, when they started there, it was kind of, like, the same because there's, like, mass building.","start":2028.195,"end":2032.775,"sentiment":"neutral","sentiment_score":-0.12067948811148342}],"sentiment":"neutral","sentiment_score":-0.08444177422432168,"num_words":31,"start":2023.235,"end":2032.775},{"sentences":[{"text":"It's happening, and it's like, yeah, sometimes you just say and even, like, over in Sanctuary Cove.","start":2034.0701,"end":2042.65,"sentiment":"neutral","sentiment_score":-0.12144916855237063},{"text":"No.","start":2044.2301,"end":2044.39,"sentiment":"neutral","sentiment_score":-0.1965547800064087},{"text":"No.","start":2044.39,"end":2044.89,"sentiment":"neutral","sentiment_score":-0.22284594178199768},{"text":"Yeah.","start":2045.1901,"end":2045.5901,"sentiment":"neutral","sentiment_score":-0.1881207823753357},{"text":"And, like, sometimes as well there, you see that, yeah, these blocks of land, and people are just, like, dumping things in parking cars, and you're just like, that's just a bit rude.","start":2045.5901,"end":2054.865,"sentiment":"negative","sentiment_score":-0.3794306159922571}],"sentiment":"neutral","sentiment_score":-0.28666731504336845,"num_words":53,"start":2034.0701,"end":2054.865},{"sentences":[{"text":"Yeah.","start":2068.14,"end":2068.64,"sentiment":"neutral","sentiment_score":-0.13475781679153442},{"text":"Yeah.","start":2082.475,"end":2082.975,"sentiment":"neutral","sentiment_score":-0.03459163010120392},{"text":"Oh.","start":2092.09,"end":2092.59,"sentiment":"neutral","sentiment_score":-0.03058123029768467},{"text":"No.","start":2096.9849,"end":2097.4849,"sentiment":"neutral","sentiment_score":-0.15853077173233032},{"text":"Yeah.","start":2099.305,"end":2099.805,"sentiment":"neutral","sentiment_score":-0.06464773416519165}],"sentiment":"neutral","sentiment_score":-0.084621836617589,"num_words":5,"start":2068.14,"end":2099.805},{"sentences":[{"text":"Oh, that's it's it's so bad.","start":2104.1848,"end":2109.68,"sentiment":"negative","sentiment_score":-0.6056175231933594},{"text":"No.","start":2113.5798,"end":2114.0798,"sentiment":"negative","sentiment_score":-0.3776531517505646},{"text":"Yeah.","start":2129.8352,"end":2130.3352,"sentiment":"neutral","sentiment_score":-0.2477611005306244},{"text":"No.","start":2133.05,"end":2133.55,"sentiment":"negative","sentiment_score":-0.47946369647979736},{"text":"Just inconsiderate.","start":2135.21,"end":2136.19,"sentiment":"negative","sentiment_score":-0.5739102959632874}],"sentiment":"negative","sentiment_score":-0.5351276072588834,"num_words":11,"start":2104.1848,"end":2136.19},{"sentences":[{"text":"Yeah.","start":2137.05,"end":2137.53,"sentiment":"neutral","sentiment_score":-0.12707695364952087},{"text":"No.","start":2137.53,"end":2137.93,"sentiment":"neutral","sentiment_score":-0.2017378807067871},{"text":"Just like, what if it was your land?","start":2137.93,"end":2139.45,"sentiment":"neutral","sentiment_score":-0.11249442677944899},{"text":"Like, would you do that?","start":2139.45,"end":2140.41,"sentiment":"neutral","sentiment_score":-0.1370198130607605},{"text":"No.","start":2140.41,"end":2140.91,"sentiment":"neutral","sentiment_score":-0.2445550262928009}],"sentiment":"neutral","sentiment_score":-0.13490152126178145,"num_words":16,"start":2137.05,"end":2140.91},{"sentences":[{"text":"Yeah.","start":2144.73,"end":2145.23,"sentiment":"neutral","sentiment_score":-0.13738268613815308},{"text":"I can imagine.","start":2158.45,"end":2159.1702,"sentiment":"neutral","sentiment_score":-0.2726147770881653},{"text":"And it's heavy.","start":2159.1702,"end":2160.07,"sentiment":"neutral","sentiment_score":-0.2767867098251979},{"text":"It's heavy too.","start":2160.1301,"end":2161.09,"sentiment":"negative","sentiment_score":-0.4948458671569824},{"text":"So it's like, oh, that's that's really annoying.","start":2161.09,"end":2164.55,"sentiment":"negative","sentiment_score":-0.37972025386989117}],"sentiment":"negative","sentiment_score":-0.3504381544060177,"num_words":18,"start":2144.73,"end":2164.55},{"sentences":[{"text":"Hopefully, you don't have it.","start":2165.57,"end":2166.9302,"sentiment":"neutral","sentiment_score":-0.19331520199775695},{"text":"Hopefully, you don't have too many more to go evaluations or photos to take of land.","start":2166.9302,"end":2172.45,"sentiment":"neutral","sentiment_score":-0.08161349943839014},{"text":"So we're we're almost okay.","start":2172.45,"end":2175.285,"sentiment":"neutral","sentiment_score":-0.07959246411919593},{"text":"Perfect.","start":2175.285,"end":2175.785,"sentiment":"positive","sentiment_score":0.3742229640483856},{"text":"We're almost finished.","start":2176.325,"end":2177.625,"sentiment":"neutral","sentiment_score":0.18615222970644632}],"sentiment":"neutral","sentiment_score":-0.0579224889477094,"num_words":30,"start":2165.57,"end":2177.625},{"sentences":[{"text":"So what I the documents I mentioned earlier is I have send you send you through them.","start":2177.685,"end":2182.0051,"sentiment":"neutral","sentiment_score":0.09648834782488205},{"text":"So have a look at them when you have a moment.","start":2182.0051,"end":2184.105,"sentiment":"neutral","sentiment_score":0.10161728208715265},{"text":"Now what you will see in the email so when you do have a moment, when you click on the email, it will say sign now.","start":2184.325,"end":2191.01,"sentiment":"neutral","sentiment_score":0.057967890125627704},{"text":"Before you press sign now, at the bottom of the email, you'll see a couple of attachments.","start":2191.23,"end":2195.6501,"sentiment":"neutral","sentiment_score":0.043361540335942715},{"text":"That is just for your reference.","start":2196.11,"end":2197.73,"sentiment":"neutral","sentiment_score":0.03884430043399334}],"sentiment":"neutral","sentiment_score":0.06799310581250624,"num_words":77,"start":2177.685,"end":2197.73},{"sentences":[{"text":"So you will see two documents that's called financial services guide and services guide.","start":2197.87,"end":2204.0652,"sentiment":"neutral","sentiment_score":0.042745515038924556},{"text":"Now they are just kind of your compliance documents.","start":2204.0652,"end":2206.645,"sentiment":"neutral","sentiment_score":0.07089755394392544},{"text":"It gives you all the important information in regards to us.","start":2206.705,"end":2209.925,"sentiment":"neutral","sentiment_score":0.10630940442735498},{"text":"Nothing has changed.","start":2210.625,"end":2211.5051,"sentiment":"neutral","sentiment_score":-0.05564414461453756},{"text":"Every time we do make a bit of an update, we'll send you a new one just for your reference, but none of the important information has changed.","start":2211.5051,"end":2218.44,"sentiment":"neutral","sentiment_score":-0.018548327531399473}],"sentiment":"neutral","sentiment_score":0.02645589292335969,"num_words":65,"start":2197.87,"end":2218.44},{"sentences":[{"text":"Now when you do have a look at it, you will, however, see photos of the the team directors, advisers.","start":2218.44,"end":2225.16,"sentiment":"neutral","sentiment_score":0.03675000797957182},{"text":"You will see myself in there if you do wanna put a face to the voice, and it's all in there for you.","start":2225.16,"end":2232.225,"sentiment":"neutral","sentiment_score":0.07247468715776569},{"text":"Now, otherwise, you will see a super and insurance summary document, and that just basically gives you a bit of a rundown of where things are at.","start":2232.465,"end":2240.385,"sentiment":"neutral","sentiment_score":0.07215430794490708},{"text":"So at the moment, you have your super with hub 24, and you have a $139,294 in there.","start":2240.385,"end":2249.85,"sentiment":"neutral","sentiment_score":0.041051756797565356},{"text":"Now yeah.","start":2250.71,"end":2253.05,"sentiment":"neutral","sentiment_score":0.09209593385457993}],"sentiment":"neutral","sentiment_score":0.0585911974310875,"num_words":90,"start":2218.44,"end":2253.05},{"sentences":[{"text":"Now you also have insurances with Neos.","start":2253.19,"end":2255.45,"sentiment":"neutral","sentiment_score":0.1396749285714967},{"text":"So I'll try to make it easy because you have a bit of insurances.","start":2255.51,"end":2258.41,"sentiment":"neutral","sentiment_score":0.21760086715221405},{"text":"Now you have inside super, you have your life and total permanent disability insurance.","start":2259.19,"end":2265.895,"sentiment":"neutral","sentiment_score":0.08367980244968619},{"text":"Now at the moment, you are insured for 1,319,850.","start":2266.435,"end":2272.695,"sentiment":"neutral","sentiment_score":0.06858825642201635},{"text":"Are you still happy with that level of cover, or what are your thoughts on your insurances?","start":2274.61,"end":2280.15,"sentiment":"neutral","sentiment_score":0.08015693921376676}],"sentiment":"neutral","sentiment_score":0.11763305162064365,"num_words":61,"start":2253.19,"end":2280.15},{"sentences":[{"text":"Sorry.","start":2285.585,"end":2285.9048,"sentiment":"neutral","sentiment_score":-0.275132417678833},{"text":"For life, if you were to pass away, but then the biggest one is your total permanent disability.","start":2285.9048,"end":2291.4248,"sentiment":"neutral","sentiment_score":-0.3100606898466746},{"text":"So that is something were to happen to you, and you could never go back to work again, which would obviously have a pretty substantial financial impact, especially being quite far from retirement.","start":2291.4248,"end":2301.43,"sentiment":"negative","sentiment_score":-0.380933962988131},{"text":"So the 1.3 mil, when I do have a look at when you spoke to Dana and you got the insurances put in place, it would pay off your mortgage completely so that, obviously, you're debt free, and then also cover your income after tax for just over five years.","start":2303.97,"end":2323.23,"sentiment":"neutral","sentiment_score":0.15320308595895768},{"text":"So that would give you a bit of a lump sum.","start":2324.1099,"end":2326.27,"sentiment":"neutral","sentiment_score":0.18132431534203616}],"sentiment":"neutral","sentiment_score":-0.07763118448510634,"num_words":113,"start":2285.585,"end":2326.27},{"sentences":[{"text":"So, obviously, there might still be a bit of a gap, but the more insurance you have, the more expensive it is as well.","start":2326.27,"end":2332.93,"sentiment":"neutral","sentiment_score":-0.10143616547187169},{"text":"So 1.3 is pretty good at least for it will pay off the the the debt on the property and cover your income if something were to happen for a while.","start":2333.15,"end":2341.575,"sentiment":"neutral","sentiment_score":0.2416509162754782},{"text":"Yeah.","start":2343.795,"end":2344.295,"sentiment":"neutral","sentiment_score":0.013999439775943756},{"text":"It is one of those things that is so personal because it depends on their situation, but also their contributions is a big thing.","start":2349.29,"end":2356.83,"sentiment":"neutral","sentiment_score":-0.055827242167045675},{"text":"So because we also wanna make sure that your contributions are completely eroded by the insurances.","start":2357.3699,"end":2364.195,"sentiment":"neutral","sentiment_score":-0.12995394226163626}],"sentiment":"neutral","sentiment_score":0.017204093591620524,"num_words":96,"start":2326.27,"end":2364.195},{"sentences":[{"text":"So for you, you have the capacity from a contribution wise to have a bit more cover in place to give you that.","start":2364.575,"end":2372.195,"sentiment":"neutral","sentiment_score":0.02779740257107693},{"text":"If something were to happen, a lot of other people might not.","start":2372.415,"end":2376.1099,"sentiment":"neutral","sentiment_score":-0.11750578197340171},{"text":"So we generally tend to work of about a 30% ratio where we don't want we we wanna make sure that your student continues to grow by still making sure you have cover in place.","start":2376.17,"end":2387.775,"sentiment":"neutral","sentiment_score":0.03393334544130734},{"text":"Now some people, their main focus is I just care about paying out the debt.","start":2388.1748,"end":2393.2148,"sentiment":"neutral","sentiment_score":-0.01085902824997902},{"text":"That's it.","start":2393.2148,"end":2393.6948,"sentiment":"neutral","sentiment_score":0.008650310337543488}],"sentiment":"neutral","sentiment_score":0.0031190018715529606,"num_words":87,"start":2364.575,"end":2393.6948},{"sentences":[{"text":"I'm happy.","start":2393.6948,"end":2394.4348,"sentiment":"positive","sentiment_score":0.41077643632888794},{"text":"Some people go, no.","start":2394.895,"end":2396.6548,"sentiment":"neutral","sentiment_score":0.12572064623236656},{"text":"I have small kids, for example.","start":2396.6548,"end":2398.835,"sentiment":"neutral","sentiment_score":0.031033301105101902},{"text":"I wanna make sure I cover private schools if something were to happen.","start":2399.055,"end":2402.1948,"sentiment":"neutral","sentiment_score":0.029125356043760594},{"text":"Or, you know, my partner's not working, so I need to cover their you know, if something were to happen, it's all on me.","start":2402.255,"end":2408.7102,"sentiment":"neutral","sentiment_score":-0.09441617255409558}],"sentiment":"neutral","sentiment_score":-0.0076882295614602615,"num_words":49,"start":2393.6948,"end":2408.7102},{"sentences":[{"text":"So it is very individual.","start":2409.25,"end":2411.11,"sentiment":"neutral","sentiment_score":-0.02351047322154045},{"text":"But for your reference, just so you can see price as well, so for your life and CPD at the moment, as well as your income protection.","start":2412.53,"end":2420.5352,"sentiment":"neutral","sentiment_score":0.13499189707605788},{"text":"So the income protection is if you were temporarily unable to work, and it will pay you a monthly amount of 10,097.","start":2420.595,"end":2429.975,"sentiment":"neutral","sentiment_score":0.0709252689795738},{"text":"So pretty good there.","start":2430.195,"end":2431.495,"sentiment":"positive","sentiment_score":0.7715811431407928},{"text":"Thirty day waiting period, so one of the shortest one, and then a five year benefit period, which is somewhere in the middle with how long you could be on claim for.","start":2432.3699,"end":2439.8298,"sentiment":"neutral","sentiment_score":0.2234527342952788}],"sentiment":"neutral","sentiment_score":0.1702710760278731,"num_words":90,"start":2409.25,"end":2439.8298},{"sentences":[{"text":"Now all those threes are after tax, six thousand two hundred and sixty five.","start":2439.97,"end":2447.19,"sentiment":"neutral","sentiment_score":0.0554959915046181},{"text":"So if you want more cover, it will be more expensive.","start":2448.315,"end":2451.855,"sentiment":"neutral","sentiment_score":-0.077070510184223},{"text":"It's pretty good from where you are at in terms of covering, but then some people go, oh, I don't wanna pay that much, or I don't think I need that much.","start":2453.515,"end":2462.075,"sentiment":"neutral","sentiment_score":0.08356247772462666},{"text":"I just want my mortgage.","start":2462.075,"end":2463.15,"sentiment":"neutral","sentiment_score":-0.02385028824210167},{"text":"But then you don't have extra if you need to make modifications to your home or, you know, whatever it might be.","start":2463.15,"end":2469.8098,"sentiment":"neutral","sentiment_score":0.004994897425852038}],"sentiment":"neutral","sentiment_score":0.03087861736172012,"num_words":84,"start":2439.97,"end":2469.8098},{"sentences":[{"text":"So it's quite individual to what your goals are as well.","start":2470.27,"end":2473.23,"sentiment":"neutral","sentiment_score":0.11332137002186342},{"text":"So what do you do you think you'll have to be with that from for the time being with the price and what you have?","start":2473.23,"end":2481.0251,"sentiment":"neutral","sentiment_score":0.0078047412633895875},{"text":"Or yep.","start":2481.165,"end":2485.985,"sentiment":"neutral","sentiment_score":-0.004054594319313765},{"text":"Yeah.","start":2487.5,"end":2488.0,"sentiment":"neutral","sentiment_score":0.02694970555603504},{"text":"Correct.","start":2492.3,"end":2492.8,"sentiment":"neutral","sentiment_score":0.04616152495145798}],"sentiment":"neutral","sentiment_score":0.03766639109235257,"num_words":40,"start":2470.27,"end":2492.8},{"sentences":[{"text":"Yes.","start":2492.8599,"end":2493.3599,"sentiment":"neutral","sentiment_score":0.04775378108024597},{"text":"So we can always leave yeah.","start":2497.9,"end":2503.355,"sentiment":"neutral","sentiment_score":0.03922657078752915},{"text":"Of course.","start":2503.355,"end":2503.915,"sentiment":"neutral","sentiment_score":0.03064873907715082},{"text":"Yes.","start":2503.915,"end":2504.415,"sentiment":"neutral","sentiment_score":0.029909618198871613},{"text":"Sorry.","start":2504.475,"end":2504.875,"sentiment":"neutral","sentiment_score":-0.0023119263350963593}],"sentiment":"neutral","sentiment_score":0.03381894325668162,"num_words":11,"start":2492.8599,"end":2504.875},{"sentences":[{"text":"And it's one of those things, too.","start":2504.875,"end":2506.235,"sentiment":"neutral","sentiment_score":0.008852265376065458},{"text":"Like, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client.","start":2506.235,"end":2514.81,"sentiment":"neutral","sentiment_score":0.060867093212436885},{"text":"But we can do it way more frequently.","start":2515.21,"end":2517.05,"sentiment":"neutral","sentiment_score":0.0437431363388896},{"text":"I have some client who wants to do six monthly.","start":2517.05,"end":2518.81,"sentiment":"neutral","sentiment_score":0.033424345590174195},{"text":"Some people want quarterly.","start":2518.81,"end":2520.03,"sentiment":"neutral","sentiment_score":0.0156148262321949}],"sentiment":"neutral","sentiment_score":0.045186240852001264,"num_words":61,"start":2504.875,"end":2520.03},{"sentences":[{"text":"It completely depends on you.","start":2520.81,"end":2522.59,"sentiment":"neutral","sentiment_score":0.033414467424154284},{"text":"So some people go, oh, I don't need that much.","start":2522.97,"end":2525.1301,"sentiment":"neutral","sentiment_score":-0.029635022953152658},{"text":"I'll let you know if anything changes, where some people really want that.","start":2525.1301,"end":2528.325,"sentiment":"neutral","sentiment_score":0.04993686509820131},{"text":"So I can even put a little reminder for the team.","start":2529.285,"end":2532.665,"sentiment":"neutral","sentiment_score":0.19218779558485205},{"text":"Now let me see here.","start":2534.9648,"end":2537.065,"sentiment":"neutral","sentiment_score":0.03368398249149322}],"sentiment":"neutral","sentiment_score":0.06369061403992501,"num_words":44,"start":2520.81,"end":2537.065},{"sentences":[{"text":"End of the year.","start":2539.525,"end":2540.645,"sentiment":"neutral","sentiment_score":0.032273911871016026},{"text":"So you're thinking, like, October ish?","start":2540.645,"end":2544.64,"sentiment":"neutral","sentiment_score":0.026918067286411922},{"text":"Yeah?","start":2546.6199,"end":2547.1199,"sentiment":"neutral","sentiment_score":0.01849851757287979},{"text":"Alright.","start":2547.9,"end":2548.2998,"sentiment":"neutral","sentiment_score":0.30358046293258667},{"text":"I'll make yeah.","start":2548.2998,"end":2549.98,"sentiment":"neutral","sentiment_score":-0.0741058091322581}],"sentiment":"neutral","sentiment_score":0.02602437362074852,"num_words":15,"start":2539.525,"end":2549.98},{"sentences":[{"text":"Exactly.","start":2549.98,"end":2550.48,"sentiment":"neutral","sentiment_score":0.14419226348400116},{"text":"I'll make a little note.","start":2550.8599,"end":2552.2998,"sentiment":"neutral","sentiment_score":0.08341877609491348},{"text":"Sorry.","start":2552.2998,"end":2552.7998,"sentiment":"neutral","sentiment_score":-0.050690751522779465},{"text":"Around October, I might do, like, October.","start":2553.0999,"end":2556.975,"sentiment":"neutral","sentiment_score":-0.008686916104384832},{"text":"I'll get the team to reach out to you to see if you would like to revisit it.","start":2557.515,"end":2560.895,"sentiment":"neutral","sentiment_score":0.1020554815315538}],"sentiment":"neutral","sentiment_score":0.07146205147728324,"num_words":32,"start":2549.98,"end":2560.895},{"sentences":[{"text":"If you have a think about it and then you go, no.","start":2561.755,"end":2564.155,"sentiment":"neutral","sentiment_score":0.05696430585036675},{"text":"I wanna do it early.","start":2564.155,"end":2565.035,"sentiment":"neutral","sentiment_score":0.054301521927118304},{"text":"You can always call me whenever, and we can always push it forward.","start":2565.035,"end":2568.735,"sentiment":"neutral","sentiment_score":0.1598806822529206},{"text":"Or if we call you in October and you go, I don't really have time right now.","start":2569.38,"end":2573.0798,"sentiment":"neutral","sentiment_score":-0.06468799513052492},{"text":"Let's do it in another three, six months.","start":2573.14,"end":2575.2998,"sentiment":"neutral","sentiment_score":0.006724366219714284}],"sentiment":"neutral","sentiment_score":0.036138675666668195,"num_words":55,"start":2561.755,"end":2575.2998},{"sentences":[{"text":"That's fine.","start":2575.2998,"end":2576.0398,"sentiment":"neutral","sentiment_score":0.2372451275587082},{"text":"But I'll put a little reminder to have a little chat to you at least in October unless we hear from you before just to touch base with the insurances.","start":2577.7,"end":2586.0151,"sentiment":"neutral","sentiment_score":0.10722192078828811},{"text":"Otherwise, we will leave it now, and that's all in place.","start":2586.635,"end":2589.855,"sentiment":"neutral","sentiment_score":0.23065299608490683},{"text":"Now aside from that, you also have insurances you pay for out of pocket.","start":2590.475,"end":2595.055,"sentiment":"neutral","sentiment_score":0.20305983828646795},{"text":"So you have a split, TPD and IP, so meaning you have a portion paid outside super so you can get a a couple of additional benefits and better definitions of the policy, which is great, as well as a trauma cover for covering you for traumatic events.","start":2595.435,"end":2614.155,"sentiment":"positive","sentiment_score":0.3749719653278589}],"sentiment":"neutral","sentiment_score":0.2578078372137887,"num_words":105,"start":2575.2998,"end":2614.155},{"sentences":[{"text":"Now you have that.","start":2614.7751,"end":2615.895,"sentiment":"neutral","sentiment_score":0.11056477390229702},{"text":"That was a tax free lump sum payment paid directly to you if something were to happen like that, and that is covering you for a 100 and 41,000.","start":2615.895,"end":2624.56,"sentiment":"neutral","sentiment_score":0.12692166145505576},{"text":"Now that is costing was that sorry?","start":2627.26,"end":2630.7202,"sentiment":"neutral","sentiment_score":-0.10603368814502444},{"text":"It's it is quite dependent on the definition of each insurer, but, typically, the biggest ones we would see are like, the ones that get paid out the most is, like, your heart attack, stroke, cancers, neurological condition.","start":2637.515,"end":2651.51,"sentiment":"neutral","sentiment_score":-0.13928975988375514},{"text":"So it would be what they would call, like, your traumatic events.","start":2652.61,"end":2655.7302,"sentiment":"neutral","sentiment_score":-0.08956827223300934}],"sentiment":"neutral","sentiment_score":-0.033189763128757474,"num_words":90,"start":2614.7751,"end":2655.7302},{"sentences":[{"text":"So if something were to happen so let's say that yeah.","start":2655.7302,"end":2658.61,"sentiment":"neutral","sentiment_score":-0.1046730327335271},{"text":"Like I said, the biggest ones is, like, cancers and stuff, heart attack.","start":2658.61,"end":2661.765,"sentiment":"neutral","sentiment_score":-0.09439253291258445},{"text":"Because let's say, in theory, if you have a bad heart attack, you go to hospital, but then, technically, you could be fine to go back to work within two weeks, maybe three weeks.","start":2662.085,"end":2673.1448,"sentiment":"neutral","sentiment_score":-0.07470786144189975},{"text":"You're not gonna get paid income protection because you are back at work within the waiting period.","start":2673.605,"end":2679.82,"sentiment":"neutral","sentiment_score":0.06351219473735374},{"text":"But you might want to take some time further time off.","start":2680.4402,"end":2683.74,"sentiment":"neutral","sentiment_score":0.0020595700903372326}],"sentiment":"neutral","sentiment_score":-0.04437454645846819,"num_words":86,"start":2655.7302,"end":2683.74},{"sentences":[{"text":"You might want to have someone come and stay with you to assist, or you might need to see a heart specialist or whatever it might be.","start":2684.52,"end":2693.305,"sentiment":"neutral","sentiment_score":0.06660274761142554},{"text":"This is when this come in really handy to give you a tax free lump sum to assist if anything were to happen.","start":2693.305,"end":2700.345,"sentiment":"neutral","sentiment_score":0.24418746226507684},{"text":"And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that.","start":2700.345,"end":2708.43,"sentiment":"neutral","sentiment_score":0.12497499486198649},{"text":"Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you.","start":2708.43,"end":2716.7852,"sentiment":"neutral","sentiment_score":0.05278517631813884},{"text":"Yeah.","start":2718.685,"end":2719.185,"sentiment":"neutral","sentiment_score":0.2786293923854828}],"sentiment":"neutral","sentiment_score":0.11865225209443418,"num_words":111,"start":2684.52,"end":2719.185},{"sentences":[{"text":"Yes.","start":2721.085,"end":2721.585,"sentiment":"neutral","sentiment_score":0.12726432085037231},{"text":"So if anything ever happens, though, if you're unsure like, if anything ever were to happen, like, if you get a significant health, you know, injury or a diagnosis or anything and you're not sure, you can always just call me, and I can check it for you, especially that that trauma.","start":2722.445,"end":2739.6,"sentiment":"neutral","sentiment_score":-0.12312599844657458},{"text":"But or if anything were to happen and you can't work for any period of time, again, just call me, and we'll see if we can get, you know, any insurances paid out for you.","start":2739.82,"end":2748.925,"sentiment":"neutral","sentiment_score":-0.05100878171090569},{"text":"So you don't ever have to speak to the insurance directly.","start":2749.145,"end":2751.5452,"sentiment":"neutral","sentiment_score":-0.03862575746395371},{"text":"You can just call me, and they will will do that for you.","start":2751.5452,"end":2755.145,"sentiment":"neutral","sentiment_score":0.05419175126231634}],"sentiment":"neutral","sentiment_score":-0.06947308503523734,"num_words":112,"start":2721.085,"end":2755.145},{"sentences":[{"text":"Yeah.","start":2755.145,"end":2755.645,"sentiment":"neutral","sentiment_score":0.12695801258087158},{"text":"No.","start":2757.72,"end":2757.96,"sentiment":"neutral","sentiment_score":0.019038185477256775},{"text":"That's okay.","start":2757.96,"end":2758.68,"sentiment":"neutral","sentiment_score":0.03538413159549236},{"text":"But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for that.","start":2758.68,"end":2771.1,"sentiment":"neutral","sentiment_score":0.06103496005137762},{"text":"Yes.","start":2774.185,"end":2774.665,"sentiment":"neutral","sentiment_score":0.05300653725862503}],"sentiment":"neutral","sentiment_score":0.05981413930140693,"num_words":29,"start":2755.145,"end":2774.665},{"sentences":[{"text":"Yeah.","start":2774.665,"end":2774.985,"sentiment":"neutral","sentiment_score":0.02447424829006195},{"text":"Usually, it's just yeah.","start":2774.985,"end":2776.2651,"sentiment":"neutral","sentiment_score":0.05355465319007635},{"text":"Exactly.","start":2776.2651,"end":2776.7651,"sentiment":"neutral","sentiment_score":0.13209939002990723},{"text":"Just direct debited.","start":2776.825,"end":2778.045,"sentiment":"neutral","sentiment_score":0.13114768515030542},{"text":"So that is good.","start":2779.625,"end":2780.425,"sentiment":"positive","sentiment_score":0.37672725319862366}],"sentiment":"neutral","sentiment_score":0.17470340917889887,"num_words":13,"start":2774.665,"end":2780.425},{"sentences":[{"text":"You do have lots of amount of cover there, which is good.","start":2780.425,"end":2783.405,"sentiment":"positive","sentiment_score":0.7680039803187052},{"text":"Now, otherwise, in the document there in the email, you will see certificate of currency for you.","start":2784.05,"end":2789.09,"sentiment":"neutral","sentiment_score":0.1789870222701746},{"text":"It basically just breaks down the insurances I just touched on in a bit more information if you do wanna have a read over it.","start":2789.09,"end":2794.6099,"sentiment":"neutral","sentiment_score":0.1498810613155365},{"text":"But, otherwise, just let you know that's all paid and and up to date.","start":2794.6099,"end":2798.47,"sentiment":"neutral","sentiment_score":0.2649590532694544},{"text":"You'll also have a Vanguard index chart.","start":2799.045,"end":2802.085,"sentiment":"neutral","sentiment_score":0.18029083098684037}],"sentiment":"neutral","sentiment_score":0.2796975498398145,"num_words":75,"start":2780.425,"end":2802.085},{"sentences":[{"text":"This one's here.","start":2802.085,"end":2802.9648,"sentiment":"neutral","sentiment_score":0.17176978290081024},{"text":"It's just kind of been added as it is a good representation of what we are talking about when we're talking about the market.","start":2802.9648,"end":2808.885,"sentiment":"positive","sentiment_score":0.33717641793191433},{"text":"But, basically, when you have a look at it, it's a bit of a graph dating back to 1995 through to 2025.","start":2808.885,"end":2815.8,"sentiment":"neutral","sentiment_score":0.07533941688862714},{"text":"Makes more sense when you have a look at it, but it shows you kind of all the ups and downs in the market.","start":2816.1,"end":2820.36,"sentiment":"neutral","sentiment_score":0.0640276363119483},{"text":"But overall, you will see that market always goes up long term.","start":2821.3801,"end":2825.6401,"sentiment":"neutral","sentiment_score":0.047349928257366024}],"sentiment":"neutral","sentiment_score":0.14552791719050967,"num_words":85,"start":2802.085,"end":2825.6401},{"sentences":[{"text":"Short term, depending on what is going on in the world, you will have some ups and downs and market fluctuations.","start":2826.135,"end":2830.715,"sentiment":"neutral","sentiment_score":-0.060670887430508934},{"text":"And then the last document you will have is your performance report, and that basically breaks down all your individual investments and what has happened in the last twelve months.","start":2833.335,"end":2844.62,"sentiment":"neutral","sentiment_score":0.09959455380837122},{"text":"Now over the last twelve months, we have seen quite a bit of fluctuation in the market.","start":2845.08,"end":2849.56,"sentiment":"neutral","sentiment_score":0.012256570598658393},{"text":"I'm sure you've seen a bit on the news and everything like that as well.","start":2849.56,"end":2853.1,"sentiment":"neutral","sentiment_score":0.03635682339469592},{"text":"So we had obviously everything in The US going on with Trump and tariffs and everything, and, obviously, more recently, the war.","start":2853.405,"end":2861.565,"sentiment":"neutral","sentiment_score":-0.03635257042267106}],"sentiment":"neutral","sentiment_score":0.015882909333422072,"num_words":105,"start":2826.135,"end":2861.565},{"sentences":[{"text":"So we have seen quite a bit of fluctuations in the last twelve months.","start":2861.565,"end":2864.945,"sentiment":"neutral","sentiment_score":-0.03598643307174955},{"text":"But despite that, your portfolio is still up, which is good.","start":2866.58,"end":2870.04,"sentiment":"positive","sentiment_score":0.36652086675167084},{"text":"So it is up after fees by about 4.77%, which might seem modest compared to, you know, other times, but it is important to recognize that they are across the different markets that has been quite uneven this year.","start":2870.42,"end":2888.7148,"sentiment":"neutral","sentiment_score":0.013784544590191964},{"text":"And if we do kind of break down the individual investment, we can see that a large portion of the global market markets that you have in your portfolio have done really well.","start":2888.7148,"end":2900.3699,"sentiment":"neutral","sentiment_score":0.3078558266614423},{"text":"So we saw kind of the biggest contributors from The US market through the S and P 500 for you.","start":2900.5898,"end":2908.51,"sentiment":"neutral","sentiment_score":0.26203552447259426}],"sentiment":"neutral","sentiment_score":0.16637153401334062,"num_words":117,"start":2861.565,"end":2908.51},{"sentences":[{"text":"We saw a really good contribution.","start":2908.51,"end":2910.2449,"sentiment":"positive","sentiment_score":0.5190668702125549},{"text":"We also saw a lot a lot of the tech companies and stuff do really well.","start":2911.345,"end":2914.865,"sentiment":"positive","sentiment_score":0.484531057998538},{"text":"Your gold was doing really well.","start":2914.865,"end":2916.805,"sentiment":"positive","sentiment_score":0.7015384236971537},{"text":"So, overall, we saw good exposures from there.","start":2917.505,"end":2921.345,"sentiment":"positive","sentiment_score":0.5513682588934898},{"text":"But at the same time, you know, the way that your portfolio is put together, it is also to complement each other.","start":2921.345,"end":2928.01,"sentiment":"neutral","sentiment_score":0.31392179971391504}],"sentiment":"positive","sentiment_score":0.4550578337291191,"num_words":58,"start":2908.51,"end":2928.01},{"sentences":[{"text":"So where some areas might do really well, there might be other areas that might not that kind of complement each other as well.","start":2928.01,"end":2935.23,"sentiment":"neutral","sentiment_score":0.08812714802722137},{"text":"So we don't wanna have everything into one sector or region or area.","start":2935.29,"end":2939.805,"sentiment":"neutral","sentiment_score":-0.046222542197658464},{"text":"So at some point, it's amazing, and then other years, it's, you know, going down by quite a bit.","start":2939.865,"end":2944.9849,"sentiment":"neutral","sentiment_score":0.025962737732027705},{"text":"But we wanna obviously balance it out for you.","start":2944.9849,"end":2947.6448,"sentiment":"neutral","sentiment_score":0.22238484190569985},{"text":"So some of the areas I've seen a bit more fluctuations, the kind of underperformance a little bit is the the Benelong Australian equity for you.","start":2948.025,"end":2955.76,"sentiment":"neutral","sentiment_score":-0.10411527982124916}],"sentiment":"neutral","sentiment_score":0.014306778272429665,"num_words":91,"start":2928.01,"end":2955.76},{"sentences":[{"text":"Now that is the Australian investment.","start":2955.76,"end":2957.3,"sentiment":"neutral","sentiment_score":0.00901147567977508},{"text":"Now with this investment here, I would like to look at changing it for you.","start":2959.28,"end":2963.835,"sentiment":"neutral","sentiment_score":0.1067418431242307},{"text":"So we've done a lot of research on this spend along Australian investment for you, and they were one of the best performing fund managers and had done really well.","start":2963.835,"end":2973.995,"sentiment":"positive","sentiment_score":0.35790935109059013},{"text":"Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market.","start":2973.995,"end":2984.28,"sentiment":"neutral","sentiment_score":0.10446967626059497},{"text":"More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions.","start":2985.78,"end":2991.08,"sentiment":"neutral","sentiment_score":-0.26898355409502983}],"sentiment":"neutral","sentiment_score":0.10034170623260494,"num_words":98,"start":2955.76,"end":2991.08},{"sentences":[{"text":"And if that is the case as well and we foresee that it's not going to come back around all these better options out there, we wanna make sure we change the investment for you because it's not one of those things we just leave it be.","start":2991.675,"end":3002.975,"sentiment":"neutral","sentiment_score":-0.15619551548932462},{"text":"If we do a little research and we could see that one well, that's not potentially the best one moving forward because that's going to happen as well because especially with market trends and everything changing.","start":3004.25,"end":3013.0698,"sentiment":"neutral","sentiment_score":-0.2368847011691994},{"text":"We wanna make sure we we change it for you.","start":3013.8499,"end":3015.8499,"sentiment":"neutral","sentiment_score":0.0909439492970705},{"text":"So if you are happy for me to do so, I would like to go ahead and change the investment for you to an alternative, which is your BetaShares a 200.","start":3015.8499,"end":3025.995,"sentiment":"neutral","sentiment_score":0.13538772324400564},{"text":"What it is, it's again, we wanna make sure you have some exposure to the Australian market as well.","start":3027.2551,"end":3031.415,"sentiment":"neutral","sentiment_score":0.11837206976978402}],"sentiment":"neutral","sentiment_score":-0.059535036579920694,"num_words":143,"start":2991.675,"end":3031.415},{"sentences":[{"text":"So if we swap one out, we wanna make sure we swap it with a competitive similar option.","start":3031.415,"end":3036.5798,"sentiment":"neutral","sentiment_score":0.0882402023093568},{"text":"But this one is a little bit cheaper for you, which is good because it's more kind of just tracking the 200 largest companies listed in Australia.","start":3037.52,"end":3045.2998,"sentiment":"positive","sentiment_score":0.48615705415054605},{"text":"So still very diversified, but you don't have that same kind of active buying and selling more frequently because that comes with a cost as well.","start":3046.2952,"end":3053.975,"sentiment":"neutral","sentiment_score":0.17337403561060244},{"text":"And if it's not being met if it's not it's not worth paying the fee to have that active management if it's not outperforming, So we are then looking at this option, which is a little bit cheaper for you, which is great.","start":3053.975,"end":3065.96,"sentiment":"neutral","sentiment_score":0.1717335634410035},{"text":"So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you.","start":3065.96,"end":3071.74,"sentiment":"positive","sentiment_score":0.45320624248547986}],"sentiment":"neutral","sentiment_score":0.2689512470011216,"num_words":136,"start":3031.415,"end":3071.74},{"sentences":[{"text":"So if you are happy for me to do that, Renee, what I will do is I will send you a record of advice via email.","start":3072.52,"end":3080.795,"sentiment":"positive","sentiment_score":0.37257541372225833},{"text":"You don't have to sign or anything, but it is just there for your reference.","start":3080.795,"end":3084.415,"sentiment":"neutral","sentiment_score":0.20802186131477357},{"text":"So we're letting you know we have made that investment change.","start":3084.795,"end":3088.015,"sentiment":"neutral","sentiment_score":0.2928879233923825},{"text":"Okay?","start":3088.475,"end":3088.975,"sentiment":"neutral","sentiment_score":0.1646825671195984},{"text":"Yep.","start":3090.0098,"end":3090.5098,"sentiment":"neutral","sentiment_score":0.23604953289031985}],"sentiment":"neutral","sentiment_score":0.3042553321078972,"num_words":54,"start":3072.52,"end":3090.5098},{"sentences":[{"text":"K.","start":3090.65,"end":3091.15,"sentiment":"neutral","sentiment_score":0.2443152219057083},{"text":"Perfect.","start":3091.2898,"end":3091.7898,"sentiment":"positive","sentiment_score":0.4221036732196808},{"text":"Now the last two documents actually there, sorry sorry, Renee, is that when if you're happy to do so, when you then press the link where it says sign now, it will ask you to sign two documents.","start":3093.13,"end":3105.625,"sentiment":"neutral","sentiment_score":0.15190651169732997},{"text":"Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client.","start":3106.485,"end":3114.185,"sentiment":"positive","sentiment_score":0.3956705234620882},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":3114.9,"end":3118.92,"sentiment":"neutral","sentiment_score":0.09036740226050217}],"sentiment":"neutral","sentiment_score":0.22164929608503978,"num_words":75,"start":3090.65,"end":3118.92},{"sentences":[{"text":"It stays exactly the same at 1.65 from Super, so nothing out of pocket.","start":3118.98,"end":3124.1199,"sentiment":"neutral","sentiment_score":0.31295560938971384},{"text":"No changes in regards to the fee structure.","start":3124.5,"end":3126.8398,"sentiment":"neutral","sentiment_score":0.09562773630023003},{"text":"So this just lets us keep servicing your account and everything in the meantime, and it is not a lock in contract.","start":3127.2249,"end":3132.665,"sentiment":"neutral","sentiment_score":0.284673493524844},{"text":"So if at any point in time you are not happy, not a lock in contract.","start":3132.665,"end":3136.285,"sentiment":"neutral","sentiment_score":0.04796911822631955},{"text":"But, otherwise, it is something we do have to do every 12 just to make sure you're happy with everything and that we can keep servicing you.","start":3136.345,"end":3143.04,"sentiment":"neutral","sentiment_score":0.3109593661846938}],"sentiment":"neutral","sentiment_score":0.2364669661840488,"num_words":87,"start":3118.98,"end":3143.04},{"sentences":[{"text":"Does that make sense?","start":3143.2,"end":3144.26,"sentiment":"neutral","sentiment_score":0.18850495666265488},{"text":"Yep.","start":3145.92,"end":3146.42,"sentiment":"neutral","sentiment_score":0.2451992630958557},{"text":"Perfect.","start":3146.96,"end":3147.46,"sentiment":"positive","sentiment_score":0.4723154902458191},{"text":"And there might also be a tax file number form.","start":3148.4001,"end":3151.6,"sentiment":"neutral","sentiment_score":0.14975055009126664},{"text":"Again, it's another compliance document.","start":3151.6,"end":3153.62,"sentiment":"neutral","sentiment_score":0.1108239971101284}],"sentiment":"neutral","sentiment_score":0.16776952697407632,"num_words":21,"start":3143.2,"end":3153.62},{"sentences":[{"text":"Basically, just lets you know that we are keeping your tax file number secure and safe on file.","start":3154.1602,"end":3158.6602,"sentiment":"positive","sentiment_score":0.35253066569566727},{"text":"Now I know that was probably a lot, but do you have any questions for me?","start":3159.625,"end":3164.125,"sentiment":"neutral","sentiment_score":0.05243248597253114},{"text":"Perfect.","start":3170.1052,"end":3170.6052,"sentiment":"positive","sentiment_score":0.6129474639892578},{"text":"So you probably have signed that tax file number last time probably then, which is good.","start":3170.665,"end":3175.6301,"sentiment":"positive","sentiment_score":0.5799769926816225},{"text":"So that would just be that ongoing service agreement just to say, yeah, you're happy with that.","start":3176.33,"end":3184.01,"sentiment":"positive","sentiment_score":0.6470483015565311}],"sentiment":"positive","sentiment_score":0.41289517987409935,"num_words":68,"start":3154.1602,"end":3184.01},{"sentences":[{"text":"So it should just be the one, and it should be that electronic signature date.","start":3184.01,"end":3188.11,"sentiment":"positive","sentiment_score":0.3678665926059087},{"text":"And when you I think it says validate.","start":3188.705,"end":3191.765,"sentiment":"neutral","sentiment_score":0.20695564523339272},{"text":"When you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you.","start":3192.465,"end":3199.045,"sentiment":"neutral","sentiment_score":0.32739863065736635},{"text":"I'll have a little refresh.","start":3204.3198,"end":3205.7798,"sentiment":"neutral","sentiment_score":0.04744991585612297},{"text":"Oh, yes.","start":3206.0,"end":3206.5598,"sentiment":"neutral","sentiment_score":0.1827809363603592}],"sentiment":"neutral","sentiment_score":0.29213133036833383,"num_words":58,"start":3184.01,"end":3206.5598},{"sentences":[{"text":"Perfect.","start":3206.5598,"end":3207.0598,"sentiment":"positive","sentiment_score":0.3720623254776001},{"text":"That's all come through.","start":3207.1199,"end":3208.5,"sentiment":"positive","sentiment_score":0.3802303820848465},{"text":"Now if you do wanna go back and have a look through the document later, it's all saved on your account for you if you go back into that email.","start":3208.64,"end":3214.98,"sentiment":"neutral","sentiment_score":0.24105679939190547},{"text":"If not, I always have the copies on file if you ever do wanna have a look at that.","start":3215.055,"end":3218.9949,"sentiment":"neutral","sentiment_score":0.17632766146408885},{"text":"Otherwise, I will get that ROA for you to show you the investment change.","start":3220.575,"end":3224.9749,"sentiment":"neutral","sentiment_score":0.18872497230768204}],"sentiment":"neutral","sentiment_score":0.22230975023087332,"num_words":68,"start":3206.5598,"end":3224.9749},{"sentences":[{"text":"I will get that processed for you.","start":3224.9749,"end":3227.055,"sentiment":"neutral","sentiment_score":0.2409534113747733},{"text":"Now it might be a little bit later in the week.","start":3227.055,"end":3229.05,"sentiment":"neutral","sentiment_score":0.13817514682357962},{"text":"But before the end of the week, you will have that in your inbox for your reference.","start":3229.1301,"end":3233.07,"sentiment":"neutral","sentiment_score":0.21676324921495774},{"text":"I will also get the team to prefill those beneficiary forms for you for the will and get it sent out.","start":3234.4102,"end":3241.1501,"sentiment":"neutral","sentiment_score":0.2513640359753654},{"text":"I'll get the team to contact you at the October to see if you wanna revisit insurances, and then I'll also get in touch with our contact to see if I can find any more information about that private health insurance for you.","start":3241.905,"end":3256.44,"sentiment":"neutral","sentiment_score":0.20379441526047018}],"sentiment":"neutral","sentiment_score":0.21144828629313092,"num_words":99,"start":3224.9749,"end":3256.44},{"sentences":[{"text":"If I can't, like I said, I will still send you an email so that you know I've looked into it for you, and I'm not just leaving you hanging again.","start":3256.44,"end":3262.3,"sentiment":"neutral","sentiment_score":0.13611376405723632},{"text":"Yeah.","start":3263.88,"end":3264.38,"sentiment":"neutral","sentiment_score":0.13225683569908142},{"text":"Do you have any other questions for me or need anything else otherwise before I let you go and enjoy the rest of your afternoon?","start":3265.48,"end":3270.8599,"sentiment":"neutral","sentiment_score":0.16075706958770752},{"text":"Yeah.","start":3274.2048,"end":3274.7048,"sentiment":"positive","sentiment_score":0.4103384613990784},{"text":"Beautiful.","start":3274.9248,"end":3275.4248,"sentiment":"positive","sentiment_score":0.47116878628730774}],"sentiment":"neutral","sentiment_score":0.15681724591275392,"num_words":59,"start":3256.44,"end":3275.4248},{"sentences":[{"text":"No problem.","start":3275.6448,"end":3276.285,"sentiment":"neutral","sentiment_score":0.23923879861831665},{"text":"If there is yeah.","start":3276.285,"end":3279.4248,"sentiment":"neutral","sentiment_score":0.04875133652240038},{"text":"No.","start":3290.1401,"end":3290.46,"sentiment":"neutral","sentiment_score":-0.07879044860601425},{"text":"No.","start":3290.46,"end":3290.96,"sentiment":"neutral","sentiment_score":-0.11275538802146912},{"text":"No.","start":3292.86,"end":3293.36,"sentiment":"neutral","sentiment_score":-0.07116325199604034}],"sentiment":"neutral","sentiment_score":0.045641539411412343,"num_words":9,"start":3275.6448,"end":3293.36},{"sentences":[{"text":"The only thing that would happen if you do have it, it says it goes to the will.","start":3293.5,"end":3297.1,"sentiment":"neutral","sentiment_score":-0.07377746370103624},{"text":"And if there is no will, it will just if you don't have anything.","start":3297.1,"end":3300.155,"sentiment":"neutral","sentiment_score":-0.1180501612169402},{"text":"So there is no time for it.","start":3300.5352,"end":3302.7952,"sentiment":"neutral","sentiment_score":-0.1232363326208932},{"text":"Obviously, try when you can, but no.","start":3303.975,"end":3305.335,"sentiment":"neutral","sentiment_score":-0.035830670435513766},{"text":"There is no time constraints of when you have to do it.","start":3305.335,"end":3308.395,"sentiment":"neutral","sentiment_score":-0.05491233089317878}],"sentiment":"neutral","sentiment_score":-0.08195023440980706,"num_words":58,"start":3293.5,"end":3308.395},{"sentences":[{"text":"Like, it won't expire or anything like that.","start":3308.5352,"end":3310.455,"sentiment":"neutral","sentiment_score":-0.04743493441492319},{"text":"It's more just if something were to happen.","start":3310.455,"end":3312.375,"sentiment":"neutral","sentiment_score":-0.04480923479422927},{"text":"That's it.","start":3312.375,"end":3312.855,"sentiment":"neutral","sentiment_score":-0.03978579118847847},{"text":"But no no time difference.","start":3312.855,"end":3314.235,"sentiment":"neutral","sentiment_score":-0.05757265686988831},{"text":"No.","start":3314.99,"end":3315.49,"sentiment":"neutral","sentiment_score":-0.01983480527997017}],"sentiment":"neutral","sentiment_score":-0.04688429273664951,"num_words":24,"start":3308.5352,"end":3315.49},{"sentences":[{"text":"But if there is anything yes.","start":3316.19,"end":3320.43,"sentiment":"neutral","sentiment_score":0.1146115802694112},{"text":"Yep.","start":3320.43,"end":3320.75,"sentiment":"neutral","sentiment_score":-0.011053106747567654},{"text":"You could.","start":3320.75,"end":3321.41,"sentiment":"neutral","sentiment_score":0.003666386939585209},{"text":"Yes.","start":3321.5498,"end":3321.7898,"sentiment":"neutral","sentiment_score":0.06531952321529388},{"text":"You could.","start":3321.7898,"end":3322.27,"sentiment":"neutral","sentiment_score":0.09644178673624992}],"sentiment":"neutral","sentiment_score":0.07851268711965531,"num_words":12,"start":3316.19,"end":3322.27},{"sentences":[{"text":"The only thing just be mindful of, like, reading the terms and condition.","start":3322.27,"end":3325.47,"sentiment":"neutral","sentiment_score":0.02082743925543932},{"text":"Make sure you complete it correctly.","start":3325.47,"end":3326.93,"sentiment":"neutral","sentiment_score":0.04100622981786728},{"text":"And like I said, you can always email me a copy.","start":3327.7852,"end":3329.865,"sentiment":"neutral","sentiment_score":0.06981046938083389},{"text":"I can keep it on file for you if something were to happen as well.","start":3329.865,"end":3333.0852,"sentiment":"neutral","sentiment_score":0.0751604457696279},{"text":"Yep.","start":3334.985,"end":3335.485,"sentiment":"neutral","sentiment_score":0.21108555793762207}],"sentiment":"neutral","sentiment_score":0.05702611949780713,"num_words":46,"start":3322.27,"end":3335.485},{"sentences":[{"text":"Beautiful.","start":3335.7852,"end":3336.2852,"sentiment":"positive","sentiment_score":0.41908812522888184},{"text":"No.","start":3336.8252,"end":3337.145,"sentiment":"neutral","sentiment_score":0.227108895778656},{"text":"That's alright.","start":3337.145,"end":3337.7852,"sentiment":"neutral","sentiment_score":0.21942569315433502},{"text":"Well, I will let you go and enjoy the rest of your afternoon.","start":3337.7852,"end":3340.445,"sentiment":"positive","sentiment_score":0.5126200868533208},{"text":"Hopefully, it's not too busy for you.","start":3340.5051,"end":3342.185,"sentiment":"neutral","sentiment_score":0.21565954387187958}],"sentiment":"positive","sentiment_score":0.3857802643130223,"num_words":24,"start":3335.7852,"end":3342.185},{"sentences":[{"text":"But if there is anything that you need from me at any point in time, though, before October, just give me a call, and we can always book in for a bit of a catch up.","start":3342.185,"end":3351.74,"sentiment":"neutral","sentiment_score":0.08631197942627801},{"text":"Yep.","start":3353.48,"end":3353.98,"sentiment":"positive","sentiment_score":0.4031886458396912},{"text":"No problem at all.","start":3355.08,"end":3356.355,"sentiment":"neutral","sentiment_score":0.11421754024922848},{"text":"Yeah.","start":3358.115,"end":3358.355,"sentiment":"neutral","sentiment_score":0.10685747116804124},{"text":"Yeah.","start":3358.355,"end":3358.855,"sentiment":"neutral","sentiment_score":0.21251006424427032}],"sentiment":"neutral","sentiment_score":0.09968971166499825,"num_words":43,"start":3342.185,"end":3358.855},{"sentences":[{"text":"Thank you so much.","start":3359.075,"end":3360.195,"sentiment":"positive","sentiment_score":0.5012612864375114},{"text":"I'll be here till about September, mid September.","start":3360.195,"end":3363.2349,"sentiment":"neutral","sentiment_score":0.21739210188388824},{"text":"So if you need anything before mid September, I'm here.","start":3363.2349,"end":3365.815,"sentiment":"neutral","sentiment_score":0.2137070432305336},{"text":"If not, I will let the team know, and you'll be in very capable hands as well.","start":3366.115,"end":3369.795,"sentiment":"positive","sentiment_score":0.3779499872642405},{"text":"So I'll still be here for a little bit.","start":3369.795,"end":3371.34,"sentiment":"neutral","sentiment_score":0.08035878837108612}],"sentiment":"neutral","sentiment_score":0.27145065149913233,"num_words":48,"start":3359.075,"end":3371.34},{"sentences":[{"text":"Yes.","start":3374.22,"end":3374.72,"sentiment":"neutral","sentiment_score":0.15415820479393005},{"text":"I can do that if you want.","start":3374.78,"end":3376.32,"sentiment":"neutral","sentiment_score":0.2221346880708422},{"text":"Yeah?","start":3377.9001,"end":3378.4001,"sentiment":"neutral","sentiment_score":0.029239926487207413},{"text":"Perfect.","start":3378.86,"end":3379.36,"sentiment":"neutral","sentiment_score":0.08680249750614166},{"text":"Who knows?","start":3381.74,"end":3382.3,"sentiment":"neutral","sentiment_score":-0.00306898821145296}],"sentiment":"neutral","sentiment_score":0.15158378907168904,"num_words":12,"start":3374.22,"end":3382.3},{"sentences":[{"text":"But at least if it's there, you know, August might be a bit early, but maybe maybe the I'll put it I'll put it September, and then we can't oh, actually, no.","start":3382.3,"end":3393.045,"sentiment":"neutral","sentiment_score":-0.0003104371717199683},{"text":"I'll leave it August just to give it enough time just in case.","start":3393.045,"end":3397.545,"sentiment":"neutral","sentiment_score":0.0017726000111836654},{"text":"If you don't have time, then at least we'll touch base.","start":3399.28,"end":3401.4402,"sentiment":"neutral","sentiment_score":0.014627700840884989},{"text":"And if you don't have time, we'll I'll pass it on to my colleague.","start":3401.4402,"end":3404.9001,"sentiment":"neutral","sentiment_score":0.039594008919915984},{"text":"Yeah.","start":3405.6,"end":3406.0,"sentiment":"neutral","sentiment_score":0.05899864435195923}],"sentiment":"neutral","sentiment_score":0.011089144917336148,"num_words":71,"start":3382.3,"end":3406.0},{"sentences":[{"text":"Exactly.","start":3406.0,"end":3406.5,"sentiment":"neutral","sentiment_score":0.025574158877134323},{"text":"Alright.","start":3408.8801,"end":3409.3801,"sentiment":"positive","sentiment_score":0.37366434931755066},{"text":"We look forward to that.","start":3409.76,"end":3410.9802,"sentiment":"positive","sentiment_score":0.58030606508255},{"text":"No.","start":3412.375,"end":3412.875,"sentiment":"neutral","sentiment_score":0.24335388839244845},{"text":"Beautiful.","start":3413.175,"end":3413.675,"sentiment":"positive","sentiment_score":0.7183453440666199}],"sentiment":"positive","sentiment_score":0.47360756289627814,"num_words":9,"start":3406.0,"end":3413.675},{"sentences":[{"text":"Thank you so much, Renee.","start":3413.735,"end":3414.935,"sentiment":"positive","sentiment_score":0.8222513556480407},{"text":"It's lovely speaking with you.","start":3414.935,"end":3415.895,"sentiment":"positive","sentiment_score":0.9143237113952637},{"text":"And anything else you you need, just let me know.","start":3415.895,"end":3418.235,"sentiment":"positive","sentiment_score":0.5732529044151307},{"text":"No worries.","start":3420.615,"end":3421.355,"sentiment":"neutral","sentiment_score":0.15372442454099655},{"text":"Chat soon.","start":3421.5752,"end":3422.375,"sentiment":"neutral","sentiment_score":0.15875018388032913}],"sentiment":"positive","sentiment_score":0.6266813998421034,"num_words":24,"start":3413.735,"end":3422.375},{"sentences":[{"text":"Bye.","start":3422.375,"end":3422.875,"sentiment":"neutral","sentiment_score":0.17188870906829834}],"sentiment":"neutral","sentiment_score":0.17188870906829834,"num_words":1,"start":3422.375,"end":3422.875}]}}]},{"alternatives":[{"transcript":"Hi, Veronica. I'm good. Thank you. How are you? Yeah. I can hear you, but you're very quiet. My my car's on maximum volume, and it sounds like you're across the room. Yeah. Yeah. Yeah. I'm just driving around to a couple of inspections, but they just left vacant land. So I'll just jump out to take photos with you. I'll take the fact with me, but I won't be with anyone. Yep. Yep. Sounds good. Yeah. I don't really pay attention to anything. Your office just called and said that we need to do an interview, and I said, oh, okay. Like, I don't really I kept the emails every now and again, like, about, like, the trade summary or something, and I don't understand that. Like, I look at the I don't open it in, like, a web browser. I just, like, walk in to my email before we get to a random folder. But, yeah, I don't really have any questions. Like, is it going good? Yep. Yes. That's the alright. I don't really know. My dad was, but he passed away and my sister's number. So, I mean, you could try her. We can put her down, but you might have to try her a couple of times. Melissa, m e l I, s s, a. Yeah. Same last name. Yeah. It's 0416 406464. Yeah. Oh, yeah. I'm alright. Yes. Still the same. Haven't haven't changed. I think. Yeah. Yeah. Yeah. That'll be the same. Probably higher this year. I won't know till end of plan. Yeah. Alright. Oh, wait. It's a base. So it's not a a salary is salary is $50. I could what the difference is. Yeah. No. I've been trying to set up higher health insurance for the last couple of years, and then every time my account had mentioned it, and then I said, yeah. I need to set it up. Like, do you have any thoughts? And he was like, oh, I can't legally give you any thoughts. Then he's like, but I do that's when he gave me your number. It's like, you know, you guys, your details, and when I, like, started contacting you. But then when when I was when I asked about it, they were like, oh, we'll set this up, like, your account up first or whatever it was or your income insurance. So I don't know what it was. Income protection, and then we'll look at private health after, and then we can get to private health. And then when I spoke to my accountant again at last financial year, he was like, have you set that up yet with them? And I was like, no. They said, like, we'll set the account up first and then revisit. So we just haven't revisited it. And he was like, oh, I'll get someone else to call you from a different company. Like, that will go through all the things, and I didn't hear from them either. I said, I don't know what the fuck is that. Anytime I look online, it's just too confusing. I'm trying to figure out what the hell, like, the difference is. Yeah. Yeah. Yeah. Yeah. Yeah. They do, like, for all different companies. I'm guessing, like, if I talk to them, they're not just gonna suggest one company. It'll be, like, going through multiple companies. Okay. Yeah. Yep. Oh, yeah. Yeah. I definitely need to get set up. It's just that yeah. Yeah. I don't have the time really, which is why I have so much money. And then yeah. I thought you guys had done that. And this other guy was supposed to call me, not even from your like, when I mentioned to the account that I suggested to you guys, he was like, what do you mean that? He was like, oh, well, I know someone else that will do it. Like, I can give you a call the next week or two. And I was like, yeah. That'd be awesome. And that was, like, July. So when I talk to Yeah. Like, he's gonna be like, what the hell is going on? I'm going to go. No idea. Obviously, they work for the bloody ATM. ATM is stealing all me fucking money. No. No. Yeah. And then I'll I'll yeah. And then I can advise someone to help out. Yeah. Yeah. Yeah. That'd be awesome. Thank you. Not Yeah. I think all the same. What what was what what was, like, change? What's Yeah. That's all the stuff. I haven't quit yet. I'm pretty sure when we were off with the questionnaire, I was like, yeah. I'm quitting, like, couple months. Yeah. Excellent. Yeah. Yeah. I mean, I I I love the buying. I mean, that's good. Just not as good as yeah. One thing's a bonus. Yeah. Yeah. Yeah. Yeah. No. Yeah. Yeah. Definitely went off because I had a valuer valuer last started last year for $9.60 or something, so I put a pull in. And then I was talking to I'm a I'm a valuer myself. Like, I value property for banks. So I was talking to an agent the other day about the market where I live, and he was like, oh, you have to probably be around the one one one mark. So yeah. Yeah. Yeah. Oh, you're right. Should be $7.30 because I pulled money out to put some money to walk my pool and solar and screens. Yeah. Yeah. I think it's dropped, though, because, like, obviously, I drive so much because the kilometers are up. So I don't know how much that'd be worth. I imagine it'd be somewhere between the 10 to 15, but maybe not four to 15. But it's off, so I don't know if that makes a difference. Yeah. No. She's just a carrier. She's classic to me. I think I have, like, 32 or $33 in savings at the moment. No. I bought a dog. Sorry. Because I was like, yeah. She was only $4. Yeah. Yeah. Right. It's like a beetle to match the other one. Yeah. No. No. No. That's what I think. So No. Just like price mortgage over the rest of the stuff. I mean, considering getting a new car, so that'll might change in the next couple of months, but I'm guessing I'll just let you guys know what the changes. Yeah. No. No. I don't think if anyone has, like, the brain capacity in my life to be able to do that. So yeah. Yeah. So I think I just thought we had to last time is I was like, oh, yeah. I'll get him to go to my dad, and then you guys like, no. You can't do that. And I said, I'll get him to my sister and you guys are like, no. It can't be a family member or something. Yep. Yeah. Yes. Yeah. Yeah. Yeah. Okay. That makes sense. Yeah. I should probably do something then. I've got both claims and a crazy mom. No. I, do you have a good job, but this doesn't really work. Yep. Yeah. Yeah. That's not easy. Yeah. I don't know what the hell I was just I just I think you guys sent me out forms last time, but I don't know what it was. It wasn't explained what's down to me. It was essentially, I think I picked someone in and I was like, what the hell who do I pick? And then I end up I don't even know who it was. I I think it was like a phone shadow or something like that. And I was like, oh, I don't know why I was Yeah. Oh, it's a binding number. Other non matching. More than thinking. Yeah. But yeah. Yep. Yeah. Okay. Yeah. That's a good idea. With the one that you send out, there's a there's, like, a time thing on it isn't there. I remember doing this last time. Oh, what was that? What did I put out? Well, I was trying to you guys, and it was like a I thought it was and I I literally I filled it out, like, three times because I would when I when I spoke to you last time, though, like, you've got I think it was, like, thirty days, but because I live at least an hour from all my family. I then have to drive down and see them, which I couldn't just, like, drop And I drive down and get get on the phone, and then I'd come home and then I, like, would go to post it, like, a week later. And then I forget because I'd be busy, and then I go to post a week later. I'd be like, shit. I'm outside of thirty days. So you guys kept on having to send it to me, and I kept on having to do that. And then I was like, fuck. I don't know. I didn't even send it back in. I was like, well, too bad. It's it's currently sitting in my bloody pantry. Like, the last year or whatever. Yeah. Yeah. Yep. Yeah. That's all good. I mean, I don't work in an office. I work at home. Sorry. Unless I'm, like, getting someone off the street. I don't really know anyone directly around. Yeah. I'll come in. I'll just go to my neighbor's house. Yeah. Sounds like it killed me before I fired it. Yeah. Yeah. That'd be awesome. Yeah. Because I have this feeling that the last time. Yeah. But it's, like, very dog. You know? It's like random words, and I'm like, well, if I pick the wrong one, I just yeah. Yeah. No. Just the mortgage and the car and, I don't know, having some kids at some point before I'm, like, too old, but that's not anything you guys can help me with. But yeah. I mean, I've gotta I was getting all I have to, like what do you call it? Pull money out to freeze eggs or something. Are you supposed to freeze eggs by the time you're, like, 30 or something? I'm pretty sure. Oh, that's okay. Yeah. But yeah. Well, I I hear that you then before we just have two ladies at our work. One of them has had to give up, and she's only 34. That's done, like, six or seven rounds of IVF that haven't, like, set at work and then haven't stuck. And then one of the other ladies, she's only 31 or 32 married, and she had been trying for the last three years with her, like, childhood sweetheart. Couldn't have kids. Went through IVF. Did, I think, 10 or 11 rounds or something. And then her last round was in the last year and she worked. She was like, that was the only that was our last chance. Oh my god. That's so young. I'm 31. I'm 33 or something. Yeah. Yeah. No. No. That's not how. Yeah. Yeah. I don't know. Still with the bay. I don't really see much of a difference here. I'm just I'm just gonna jump out of the car and take a photo of the block of land. I'll just be one sec. Just because some guy's about to park on it. Just give me one second. Yeah. It's just the original owner. Yeah. Yeah. That's bought off the developer. They just haven't built on it. I've done it three times in the last couple of weeks with different banks. So I think they're just switching banks to before they start building. So they should start building in the next couple of months. Yeah. Yeah. It's getting crazy. Yeah. Alrighty. Oh, funny. No. I'm okay. They got, yeah, he's like, oh, I said, who's bought it? Is it already sold? It's not even on the market. Like, you park your damn trucks on it. I don't think anyone's gonna wanna buy it. The block's absolutely ruined. That's so funny. Yeah. It says, like, dumped all the rubbish, like and then they backed their cars off, put their parking down to three three of their work cars and then trailers. So yeah. Oh, that's why I mentioned that they're gonna start building in the next couple months. So so you're the. But those are people that care. Like, I don't know if you live anywhere near, like, a Grace Corridor where there's vacant blocks of land, but the the yeah. That is, like, people just dump all their rubbish on it on the land. I'm like, what are you doing? Oh, yeah. Yeah. It's crazy. I was next to a vacant block of land. Like, I was one of us because it's mine's a newer new house. And people next to me haven't built on this, but because, like, the people next to me hadn't built on this, and then the people that was directly behind them hadn't built on theirs either. So it was just, like, two vacant blocks of land backing onto each other with no fence in the middle. So people and to get to the street behind us, you had to, like, go up my street and then around, like, a loop and then go into that street. So people were just using, like, my front yard of my grass to, like, pull their car up onto the curb onto my grass, drive along my grass, and then turn left before this, like, tree thing onto the vacant land and then drive through both vacant block the land down onto the street behind instead of just driving up the street. Anyway, I there's not much I can really do about it, but they broke, like, my irrigation system, obviously, because they're driving over it. Yeah. Annoying hay. Anyway and yeah. Yeah. They they don't really care, like, these people. Like, it's now that the people that are behind them, like, behind the vacant block on their land next to me, they've built on theirs and put a fence up. So people can't do that now. But now it's because, like, it's semi secluded, like, the vacant block of land beside me with all the fencing around except for the front boundary fencing. People just drive their cars up and just, like, dump all their rubbish. So I'm like, it's just so silly. Like, I don't understand how people do that. Yeah. Yeah. Yeah. Yeah. Because the owners have to pay to get rid of it, like, when they build on it. You've gotta actually pay to get rid of that concrete. Do you know how expensive it it is to get rid of concrete off your block of land? You've gotta come pay someone to actually, like, full blown jackhammer it or bring out a, what do you call it, machine. Because you can't pull it up. It's got yeah. Yeah. Yeah. It's silly. Hey. Anyway, I'm a little ran. Yeah. No. I'm already tired. Yeah. Okay. Yeah. Okay. I'll send it back. Okay. Okay. Yeah. That sounds what was that? Full disability and Yeah. Okay. Well, what's is that usually, like, where it's sitting for other people? Yes. I think so at the moment, and then maybe revisit it again soon. So it's currently costing me 6,265 a year. Is that right? Yes. When's the next can we, like, check it back in at the end of the year, but not, like, wait till next year? Yes. Yeah. Okay. Yeah. Mhmm. Yep. Yeah. That sounds like a good time. Not too close to Christmas. Yes. Yes. Yes. Yeah. Okay. What's that going for? Is that, like, if I lose my leg or something that I can still, like, work? So that's traumatic? Yeah. Oh my god. Yes. Okay. That's good. I mean, because because I never needed it, but that's good to hear. Mhmm. Yep. Okay. Thank you. Yeah. I think it just comes out of my account. Nearly, doesn't it? Yep. Yeah. Okay. Okay. Okay. Yep. Yes. Yes. Yes. Yes. Yes. Yes. Yep. Okay. That sounds good. Yep. Yep. Yeah. Yeah. Sounds good. Yes. Yes. That's fine. Okay. So that I just clicked on that sign here thing, and there was only one signature section. Yep. I think I just did that. I think you should I think maybe. Yep. Yeah. Yeah. No. That's everything. No. Well, good. Thanks for your help. So so well, how did I have a time limit on and I don't have a time limit on signing that form with a witness that you'll send out, But is there a time limit on getting a will done up after that? Like, obviously, it should be, like, straight away, but, you know, there are no time limit. Yeah. Yeah. That's great. I can get one in from the price office, can't I? If I don't go to a Yep. That sounds good. Thank you so much for that. And if I don't talk to you before you have the baby, who was I for the baby? Right? Okay. We should schedule the call back in September instead of yeah. Yeah. You probably do that, and then you probably go to labor, like, August. Yeah. Yeah. Yeah. Yeah. I'll talk to you when you get back. Yeah. Then tell me all about how much of it you haven't had. Yeah. You too. Thank you so much. I'll chat to you later. 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Veronica. I'm good. Thank you. How are you? Yeah.\n\nI can hear you, but you're very quiet. My my car's on maximum volume, and it sounds like you're across the room. Yeah. Yeah. Yeah.\n\nI'm just driving around to a couple of inspections, but they just left vacant land. So I'll just jump out to take photos with you. I'll take the fact with me, but I won't be with anyone. Yep. Yep.\n\nSounds good. Yeah. I don't really pay attention to anything. Your office just called and said that we need to do an interview, and I said, oh, okay. Like, I don't really I kept the emails every now and again, like, about, like, the trade summary or something, and I don't understand that.\n\nLike, I look at the I don't open it in, like, a web browser. I just, like, walk in to my email before we get to a random folder. But, yeah, I don't really have any questions. Like, is it going good? Yep.\n\nYes. That's the alright. I don't really know. My dad was, but he passed away and my sister's number. So, I mean, you could try her.\n\nWe can put her down, but you might have to try her a couple of times. Melissa, m e l I, s s, a. Yeah. Same last name. Yeah.\n\nIt's 0416 406464. Yeah. Oh, yeah. I'm alright. Yes.\n\nStill the same. Haven't haven't changed. I think. Yeah. Yeah.\n\nYeah. That'll be the same. Probably higher this year. I won't know till end of plan. Yeah.\n\nAlright. Oh, wait. It's a base. So it's not a a salary is salary is $50. I could what the difference is.\n\nYeah. No. I've been trying to set up higher health insurance for the last couple of years, and then every time my account had mentioned it, and then I said, yeah. I need to set it up. Like, do you have any thoughts?\n\nAnd he was like, oh, I can't legally give you any thoughts. Then he's like, but I do that's when he gave me your number. It's like, you know, you guys, your details, and when I, like, started contacting you. But then when when I was when I asked about it, they were like, oh, we'll set this up, like, your account up first or whatever it was or your income insurance. So I don't know what it was.\n\nIncome protection, and then we'll look at private health after, and then we can get to private health. And then when I spoke to my accountant again at last financial year, he was like, have you set that up yet with them? And I was like, no. They said, like, we'll set the account up first and then revisit. So we just haven't revisited it.\n\nAnd he was like, oh, I'll get someone else to call you from a different company. Like, that will go through all the things, and I didn't hear from them either. I said, I don't know what the fuck is that. Anytime I look online, it's just too confusing. I'm trying to figure out what the hell, like, the difference is.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nThey do, like, for all different companies. I'm guessing, like, if I talk to them, they're not just gonna suggest one company. It'll be, like, going through multiple companies. Okay. Yeah.\n\nYep. Oh, yeah. Yeah. I definitely need to get set up. It's just that yeah.\n\nYeah. I don't have the time really, which is why I have so much money. And then yeah. I thought you guys had done that. And this other guy was supposed to call me, not even from your like, when I mentioned to the account that I suggested to you guys, he was like, what do you mean that?\n\nHe was like, oh, well, I know someone else that will do it. Like, I can give you a call the next week or two. And I was like, yeah. That'd be awesome. And that was, like, July.\n\nSo when I talk to Yeah. Like, he's gonna be like, what the hell is going on? I'm going to go. No idea. Obviously, they work for the bloody ATM.\n\nATM is stealing all me fucking money. No. No. Yeah. And then I'll I'll yeah.\n\nAnd then I can advise someone to help out. Yeah. Yeah. Yeah. That'd be awesome.\n\nThank you. Not Yeah. I think all the same. What what was what what was, like, change? What's Yeah.\n\nThat's all the stuff. I haven't quit yet. I'm pretty sure when we were off with the questionnaire, I was like, yeah. I'm quitting, like, couple months. Yeah.\n\nExcellent. Yeah. Yeah. I mean, I I I love the buying. I mean, that's good.\n\nJust not as good as yeah. One thing's a bonus. Yeah. Yeah. Yeah.\n\nYeah. No. Yeah. Yeah. Definitely went off because I had a valuer valuer last started last year for $9.60 or something, so I put a pull in.\n\nAnd then I was talking to I'm a I'm a valuer myself. Like, I value property for banks. So I was talking to an agent the other day about the market where I live, and he was like, oh, you have to probably be around the one one one mark. So yeah. Yeah.\n\nYeah. Oh, you're right. Should be $7.30 because I pulled money out to put some money to walk my pool and solar and screens. Yeah. Yeah.\n\nI think it's dropped, though, because, like, obviously, I drive so much because the kilometers are up. So I don't know how much that'd be worth. I imagine it'd be somewhere between the 10 to 15, but maybe not four to 15. But it's off, so I don't know if that makes a difference. Yeah.\n\nNo. She's just a carrier. She's classic to me. I think I have, like, 32 or $33 in savings at the moment. No.\n\nI bought a dog. Sorry. Because I was like, yeah. She was only $4. Yeah.\n\nYeah. Right. It's like a beetle to match the other one. Yeah. No.\n\nNo. No. That's what I think. So No. Just like price mortgage over the rest of the stuff.\n\nI mean, considering getting a new car, so that'll might change in the next couple of months, but I'm guessing I'll just let you guys know what the changes. Yeah. No. No. I don't think if anyone has, like, the brain capacity in my life to be able to do that.\n\nSo yeah. Yeah. So I think I just thought we had to last time is I was like, oh, yeah. I'll get him to go to my dad, and then you guys like, no. You can't do that.\n\nAnd I said, I'll get him to my sister and you guys are like, no. It can't be a family member or something. Yep. Yeah. Yes.\n\nYeah. Yeah. Yeah. Okay. That makes sense.\n\nYeah. I should probably do something then. I've got both claims and a crazy mom. No. I, do you have a good job, but this doesn't really work.\n\nYep. Yeah. Yeah. That's not easy. Yeah.\n\nI don't know what the hell I was just I just I think you guys sent me out forms last time, but I don't know what it was. It wasn't explained what's down to me. It was essentially, I think I picked someone in and I was like, what the hell who do I pick? And then I end up I don't even know who it was. I I think it was like a phone shadow or something like that.\n\nAnd I was like, oh, I don't know why I was Yeah. Oh, it's a binding number. Other non matching. More than thinking. Yeah.\n\nBut yeah. Yep. Yeah. Okay. Yeah.\n\nThat's a good idea. With the one that you send out, there's a there's, like, a time thing on it isn't there. I remember doing this last time. Oh, what was that? What did I put out?\n\nWell, I was trying to you guys, and it was like a I thought it was and I I literally I filled it out, like, three times because I would when I when I spoke to you last time, though, like, you've got I think it was, like, thirty days, but because I live at least an hour from all my family. I then have to drive down and see them, which I couldn't just, like, drop And I drive down and get get on the phone, and then I'd come home and then I, like, would go to post it, like, a week later. And then I forget because I'd be busy, and then I go to post a week later. I'd be like, shit. I'm outside of thirty days.\n\nSo you guys kept on having to send it to me, and I kept on having to do that. And then I was like, fuck. I don't know. I didn't even send it back in. I was like, well, too bad.\n\nIt's it's currently sitting in my bloody pantry. Like, the last year or whatever. Yeah. Yeah. Yep.\n\nYeah. That's all good. I mean, I don't work in an office. I work at home. Sorry.\n\nUnless I'm, like, getting someone off the street. I don't really know anyone directly around. Yeah. I'll come in. I'll just go to my neighbor's house.\n\nYeah. Sounds like it killed me before I fired it. Yeah. Yeah. That'd be awesome.\n\nYeah. Because I have this feeling that the last time. Yeah. But it's, like, very dog. You know?\n\nIt's like random words, and I'm like, well, if I pick the wrong one, I just yeah. Yeah. No. Just the mortgage and the car and, I don't know, having some kids at some point before I'm, like, too old, but that's not anything you guys can help me with. But yeah.\n\nI mean, I've gotta I was getting all I have to, like what do you call it? Pull money out to freeze eggs or something. Are you supposed to freeze eggs by the time you're, like, 30 or something? I'm pretty sure. Oh, that's okay.\n\nYeah. But yeah. Well, I I hear that you then before we just have two ladies at our work. One of them has had to give up, and she's only 34. That's done, like, six or seven rounds of IVF that haven't, like, set at work and then haven't stuck.\n\nAnd then one of the other ladies, she's only 31 or 32 married, and she had been trying for the last three years with her, like, childhood sweetheart. Couldn't have kids. Went through IVF. Did, I think, 10 or 11 rounds or something. And then her last round was in the last year and she worked.\n\nShe was like, that was the only that was our last chance. Oh my god. That's so young. I'm 31. I'm 33 or something.\n\nYeah. Yeah. No. No. That's not how.\n\nYeah. Yeah. I don't know. Still with the bay. I don't really see much of a difference here.\n\nI'm just I'm just gonna jump out of the car and take a photo of the block of land. I'll just be one sec. Just because some guy's about to park on it. Just give me one second. Yeah.\n\nIt's just the original owner. Yeah. Yeah. That's bought off the developer. They just haven't built on it.\n\nI've done it three times in the last couple of weeks with different banks. So I think they're just switching banks to before they start building. So they should start building in the next couple of months. Yeah. Yeah.\n\nIt's getting crazy. Yeah. Alrighty. Oh, funny. No.\n\nI'm okay. They got, yeah, he's like, oh, I said, who's bought it? Is it already sold? It's not even on the market. Like, you park your damn trucks on it.\n\nI don't think anyone's gonna wanna buy it. The block's absolutely ruined. That's so funny. Yeah. It says, like, dumped all the rubbish, like and then they backed their cars off, put their parking down to three three of their work cars and then trailers.\n\nSo yeah. Oh, that's why I mentioned that they're gonna start building in the next couple months. So so you're the. But those are people that care. Like, I don't know if you live anywhere near, like, a Grace Corridor where there's vacant blocks of land, but the the yeah.\n\nThat is, like, people just dump all their rubbish on it on the land. I'm like, what are you doing? Oh, yeah. Yeah. It's crazy.\n\nI was next to a vacant block of land. Like, I was one of us because it's mine's a newer new house. And people next to me haven't built on this, but because, like, the people next to me hadn't built on this, and then the people that was directly behind them hadn't built on theirs either. So it was just, like, two vacant blocks of land backing onto each other with no fence in the middle. So people and to get to the street behind us, you had to, like, go up my street and then around, like, a loop and then go into that street.\n\nSo people were just using, like, my front yard of my grass to, like, pull their car up onto the curb onto my grass, drive along my grass, and then turn left before this, like, tree thing onto the vacant land and then drive through both vacant block the land down onto the street behind instead of just driving up the street. Anyway, I there's not much I can really do about it, but they broke, like, my irrigation system, obviously, because they're driving over it. Yeah. Annoying hay. Anyway and yeah.\n\nYeah. They they don't really care, like, these people. Like, it's now that the people that are behind them, like, behind the vacant block on their land next to me, they've built on theirs and put a fence up. So people can't do that now. But now it's because, like, it's semi secluded, like, the vacant block of land beside me with all the fencing around except for the front boundary fencing.\n\nPeople just drive their cars up and just, like, dump all their rubbish. So I'm like, it's just so silly. Like, I don't understand how people do that. Yeah. Yeah.\n\nYeah. Yeah. Because the owners have to pay to get rid of it, like, when they build on it. You've gotta actually pay to get rid of that concrete. Do you know how expensive it it is to get rid of concrete off your block of land?\n\nYou've gotta come pay someone to actually, like, full blown jackhammer it or bring out a, what do you call it, machine. Because you can't pull it up. It's got yeah. Yeah. Yeah.\n\nIt's silly. Hey. Anyway, I'm a little ran. Yeah. No.\n\nI'm already tired. Yeah. Okay. Yeah. Okay.\n\nI'll send it back. Okay. Okay. Yeah. That sounds what was that?\n\nFull disability and Yeah. Okay. Well, what's is that usually, like, where it's sitting for other people? Yes. I think so at the moment, and then maybe revisit it again soon.\n\nSo it's currently costing me 6,265 a year. Is that right? Yes. When's the next can we, like, check it back in at the end of the year, but not, like, wait till next year? Yes.\n\nYeah. Okay. Yeah. Mhmm. Yep.\n\nYeah. That sounds like a good time. Not too close to Christmas. Yes. Yes.\n\nYes. Yeah. Okay. What's that going for? Is that, like, if I lose my leg or something that I can still, like, work?\n\nSo that's traumatic? Yeah. Oh my god. Yes. Okay.\n\nThat's good. I mean, because because I never needed it, but that's good to hear. Mhmm. Yep. Okay.\n\nThank you. Yeah. I think it just comes out of my account. Nearly, doesn't it? Yep.\n\nYeah. Okay. Okay. Okay. Yep.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yep. Okay. That sounds good. Yep.\n\nYep. Yeah. Yeah. Sounds good. Yes.\n\nYes. That's fine. Okay. So that I just clicked on that sign here thing, and there was only one signature section. Yep.\n\nI think I just did that. I think you should I think maybe. Yep. Yeah. Yeah.\n\nNo. That's everything. No. Well, good. Thanks for your help.\n\nSo so well, how did I have a time limit on and I don't have a time limit on signing that form with a witness that you'll send out, But is there a time limit on getting a will done up after that? Like, obviously, it should be, like, straight away, but, you know, there are no time limit. Yeah. Yeah. That's great.\n\nI can get one in from the price office, can't I? If I don't go to a Yep. That sounds good. Thank you so much for that. And if I don't talk to you before you have the baby, who was I for the baby?\n\nRight? Okay. We should schedule the call back in September instead of yeah. Yeah. You probably do that, and then you probably go to labor, like, August.\n\nYeah. Yeah. Yeah. Yeah. I'll talk to you when you get back.\n\nYeah. Then tell me all about how much of it you haven't had. Yeah. You too. Thank you so much.\n\nI'll chat to you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Veronica.","start":6.7999997,"end":7.44,"sentiment":"positive","sentiment_score":0.4066428989171982},{"text":"I'm good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.6681169867515564},{"text":"Thank you.","start":7.8399997,"end":8.08,"sentiment":"positive","sentiment_score":0.7239710092544556},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.41444407900174457},{"text":"Yeah.","start":13.375,"end":13.535,"sentiment":"neutral","sentiment_score":0.023518184199929237}],"sentiment":"positive","sentiment_score":0.48643122110515835,"num_words":10,"start":6.7999997,"end":13.535},{"sentences":[{"text":"I can hear you, but you're very quiet.","start":13.535,"end":15.135,"sentiment":"neutral","sentiment_score":-0.09613505750894547},{"text":"My my car's on maximum volume, and it sounds like you're across the room.","start":15.135,"end":18.595001,"sentiment":"neutral","sentiment_score":-0.1368016212114266},{"text":"Yeah.","start":55.99,"end":56.230003,"sentiment":"neutral","sentiment_score":0.056810785084962845},{"text":"Yeah.","start":56.230003,"end":56.31,"sentiment":"neutral","sentiment_score":0.04610272124409675},{"text":"Yeah.","start":56.31,"end":56.550003,"sentiment":"neutral","sentiment_score":0.02619311958551407}],"sentiment":"neutral","sentiment_score":-0.1022078612446785,"num_words":25,"start":13.535,"end":56.550003},{"sentences":[{"text":"I'm just driving around to a couple of inspections, but they just left vacant land.","start":56.550003,"end":60.63,"sentiment":"neutral","sentiment_score":-0.018798174957434338},{"text":"So I'll just jump out to take photos with you.","start":60.63,"end":63.510002,"sentiment":"neutral","sentiment_score":0.02911274749785662},{"text":"I'll take the fact with me, but I won't be with anyone.","start":63.510002,"end":65.85,"sentiment":"neutral","sentiment_score":-0.045012949810673795},{"text":"Yep.","start":71.905,"end":72.405,"sentiment":"neutral","sentiment_score":0.08200046420097351},{"text":"Yep.","start":94.57,"end":94.89,"sentiment":"neutral","sentiment_score":0.23730884492397308}],"sentiment":"neutral","sentiment_score":-0.005427980461181738,"num_words":39,"start":56.550003,"end":94.89},{"sentences":[{"text":"Sounds good.","start":94.89,"end":95.79,"sentiment":"positive","sentiment_score":0.4652663767337799},{"text":"Yeah.","start":116.07,"end":116.55,"sentiment":"neutral","sentiment_score":-0.13602177798748016},{"text":"I don't really pay attention to anything.","start":116.55,"end":118.49,"sentiment":"neutral","sentiment_score":-0.26137411168643404},{"text":"Your office just called and said that we need to do an interview, and I said, oh, okay.","start":119.43,"end":123.35,"sentiment":"neutral","sentiment_score":-0.027427539332873292},{"text":"Like, I don't really I kept the emails every now and again, like, about, like, the trade summary or something, and I don't understand that.","start":123.35,"end":130.675,"sentiment":"neutral","sentiment_score":-0.18838321417570114}],"sentiment":"neutral","sentiment_score":-0.11770535601338125,"num_words":53,"start":94.89,"end":130.675},{"sentences":[{"text":"Like, I look at the I don't open it in, like, a web browser.","start":131.135,"end":133.935,"sentiment":"neutral","sentiment_score":-0.17650145505155837},{"text":"I just, like, walk in to my email before we get to a random folder.","start":133.935,"end":137.075,"sentiment":"neutral","sentiment_score":-0.04926585058371226},{"text":"But, yeah, I don't really have any questions.","start":139.455,"end":142.275,"sentiment":"neutral","sentiment_score":-0.10175038268789649},{"text":"Like, is it going good?","start":142.33499,"end":143.635,"sentiment":"neutral","sentiment_score":0.05169687643647194},{"text":"Yep.","start":178.65,"end":179.15,"sentiment":"neutral","sentiment_score":0.03257282078266144}],"sentiment":"neutral","sentiment_score":-0.08681288344222446,"num_words":43,"start":131.135,"end":179.15},{"sentences":[{"text":"Yes.","start":222.31999,"end":222.64,"sentiment":"neutral","sentiment_score":0.1640450656414032},{"text":"That's the alright.","start":222.64,"end":223.62,"sentiment":"neutral","sentiment_score":0.23223243157068887},{"text":"I don't really know.","start":240.475,"end":241.77501,"sentiment":"neutral","sentiment_score":-0.08448520675301552},{"text":"My dad was, but he passed away and my sister's number.","start":243.755,"end":249.13501,"sentiment":"neutral","sentiment_score":-0.16345914656465704},{"text":"So, I mean, you could try her.","start":249.27501,"end":251.46,"sentiment":"neutral","sentiment_score":-0.08496103755065373}],"sentiment":"neutral","sentiment_score":-0.07192216698939984,"num_words":26,"start":222.31999,"end":251.46},{"sentences":[{"text":"We can put her down, but you might have to try her a couple of times.","start":251.46,"end":254.6,"sentiment":"neutral","sentiment_score":-0.08069863310083747},{"text":"Melissa, m e l I, s s, a.","start":282.49002,"end":285.63,"sentiment":"neutral","sentiment_score":0.020119664957746863},{"text":"Yeah.","start":289.13,"end":289.37,"sentiment":"neutral","sentiment_score":0.03614812344312668},{"text":"Same last name.","start":289.37,"end":290.51,"sentiment":"neutral","sentiment_score":0.02689132032295068},{"text":"Yeah.","start":295.44498,"end":295.76498,"sentiment":"neutral","sentiment_score":0.03757987171411514}],"sentiment":"neutral","sentiment_score":-0.033648925993976925,"num_words":29,"start":251.46,"end":295.76498},{"sentences":[{"text":"It's 0416 406464.","start":295.76498,"end":300.82498,"sentiment":"neutral","sentiment_score":0.030759365608294804},{"text":"Yeah.","start":305.125,"end":305.44498,"sentiment":"neutral","sentiment_score":0.04317601025104523},{"text":"Oh, yeah.","start":305.44498,"end":305.76498,"sentiment":"neutral","sentiment_score":0.03037614095956087},{"text":"I'm alright.","start":305.76498,"end":306.425,"sentiment":"neutral","sentiment_score":0.03608864173293114},{"text":"Yes.","start":315.14,"end":315.46,"sentiment":"neutral","sentiment_score":0.002055157907307148}],"sentiment":"neutral","sentiment_score":0.030048758929802313,"num_words":9,"start":295.76498,"end":315.46},{"sentences":[{"text":"Still the same.","start":315.46,"end":316.02002,"sentiment":"neutral","sentiment_score":-0.013743282295763493},{"text":"Haven't haven't changed.","start":316.02002,"end":317.32,"sentiment":"neutral","sentiment_score":-0.039886760214964546},{"text":"I think.","start":317.54,"end":318.12,"sentiment":"neutral","sentiment_score":-0.003936415072530509},{"text":"Yeah.","start":318.18,"end":318.68,"sentiment":"neutral","sentiment_score":0.03818090260028839},{"text":"Yeah.","start":324.14502,"end":324.385,"sentiment":"neutral","sentiment_score":0.04176020622253418}],"sentiment":"neutral","sentiment_score":-0.008882184885442257,"num_words":10,"start":315.46,"end":324.385},{"sentences":[{"text":"Yeah.","start":324.385,"end":324.625,"sentiment":"neutral","sentiment_score":0.047813959419727325},{"text":"That'll be the same.","start":324.625,"end":325.765,"sentiment":"neutral","sentiment_score":0.05235392041504383},{"text":"Probably higher this year.","start":325.98502,"end":327.445,"sentiment":"neutral","sentiment_score":-0.013212295714765787},{"text":"I won't know till end of plan.","start":327.665,"end":329.285,"sentiment":"neutral","sentiment_score":-0.027402813945497786},{"text":"Yeah.","start":335.345,"end":335.58502,"sentiment":"neutral","sentiment_score":0.1592557430267334}],"sentiment":"neutral","sentiment_score":0.010106853154652259,"num_words":17,"start":324.385,"end":335.58502},{"sentences":[{"text":"Alright.","start":335.58502,"end":335.98502,"sentiment":"neutral","sentiment_score":0.09498896449804306},{"text":"Oh, wait.","start":335.98502,"end":336.625,"sentiment":"neutral","sentiment_score":0.03619265649467707},{"text":"It's a base.","start":336.625,"end":337.345,"sentiment":"neutral","sentiment_score":-0.05150995900233587},{"text":"So it's not a a salary is salary is $50.","start":337.345,"end":340.08002,"sentiment":"neutral","sentiment_score":-0.0925750881433487},{"text":"I could what the difference is.","start":340.08002,"end":342.02002,"sentiment":"neutral","sentiment_score":-0.08742664754390717}],"sentiment":"neutral","sentiment_score":-0.06533938028257001,"num_words":22,"start":335.58502,"end":342.02002},{"sentences":[{"text":"Yeah.","start":344.44,"end":344.94,"sentiment":"neutral","sentiment_score":0.018401596695184708},{"text":"No.","start":347.36002,"end":347.6,"sentiment":"negative","sentiment_score":-0.35336029529571533},{"text":"I've been trying to set up higher health insurance for the last couple of years, and then every time my account had mentioned it, and then I said, yeah.","start":347.6,"end":353.835,"sentiment":"neutral","sentiment_score":-0.20070887356996536},{"text":"I need to set it up.","start":353.835,"end":354.635,"sentiment":"neutral","sentiment_score":-0.16858000929156938},{"text":"Like, do you have any thoughts?","start":354.635,"end":356.735,"sentiment":"neutral","sentiment_score":-0.12546900163094202}],"sentiment":"neutral","sentiment_score":-0.18418163017824637,"num_words":43,"start":344.44,"end":356.735},{"sentences":[{"text":"And he was like, oh, I can't legally give you any thoughts.","start":356.955,"end":359.275,"sentiment":"neutral","sentiment_score":-0.22813750244677067},{"text":"Then he's like, but I do that's when he gave me your number.","start":359.275,"end":361.995,"sentiment":"neutral","sentiment_score":-0.08889585905350171},{"text":"It's like, you know, you guys, your details, and when I, like, started contacting you.","start":361.995,"end":366.395,"sentiment":"neutral","sentiment_score":-0.043985985964536664},{"text":"But then when when I was when I asked about it, they were like, oh, we'll set this up, like, your account up first or whatever it was or your income insurance.","start":366.395,"end":373.49,"sentiment":"neutral","sentiment_score":-0.15176537772640586},{"text":"So I don't know what it was.","start":373.49,"end":374.53,"sentiment":"neutral","sentiment_score":-0.2854534941060202}],"sentiment":"neutral","sentiment_score":-0.1444019307912905,"num_words":79,"start":356.955,"end":374.53},{"sentences":[{"text":"Income protection, and then we'll look at private health after, and then we can get to private health.","start":374.53,"end":378.93,"sentiment":"neutral","sentiment_score":-0.07605080389314228},{"text":"And then when I spoke to my accountant again at last financial year, he was like, have you set that up yet with them?","start":378.93,"end":382.985,"sentiment":"neutral","sentiment_score":-0.09094873319069545},{"text":"And I was like, no.","start":382.985,"end":384.865,"sentiment":"neutral","sentiment_score":-0.20051834285259246},{"text":"They said, like, we'll set the account up first and then revisit.","start":384.865,"end":388.805,"sentiment":"neutral","sentiment_score":-0.13506199729939303},{"text":"So we just haven't revisited it.","start":388.94498,"end":390.54498,"sentiment":"neutral","sentiment_score":-0.209364116191864}],"sentiment":"neutral","sentiment_score":-0.11432622224092484,"num_words":65,"start":374.53,"end":390.54498},{"sentences":[{"text":"And he was like, oh, I'll get someone else to call you from a different company.","start":390.54498,"end":393.205,"sentiment":"neutral","sentiment_score":-0.3276168890297413},{"text":"Like, that will go through all the things, and I didn't hear from them either.","start":393.345,"end":396.8,"sentiment":"negative","sentiment_score":-0.3450167079766591},{"text":"I said, I don't know what the fuck is that.","start":396.8,"end":398.19998,"sentiment":"negative","sentiment_score":-0.5295206904411316},{"text":"Anytime I look online, it's just too confusing.","start":398.19998,"end":400.94,"sentiment":"negative","sentiment_score":-0.5000090077519417},{"text":"I'm trying to figure out what the hell, like, the difference is.","start":401.08,"end":403.82,"sentiment":"negative","sentiment_score":-0.46272339671850204}],"sentiment":"negative","sentiment_score":-0.4141816487077807,"num_words":61,"start":390.54498,"end":403.82},{"sentences":[{"text":"Yeah.","start":422.545,"end":423.045,"sentiment":"neutral","sentiment_score":-0.08830481767654419},{"text":"Yeah.","start":467.375,"end":467.775,"sentiment":"neutral","sentiment_score":0.028433505445718765},{"text":"Yeah.","start":467.775,"end":468.01498,"sentiment":"neutral","sentiment_score":0.02866297774016857},{"text":"Yeah.","start":468.01498,"end":468.175,"sentiment":"neutral","sentiment_score":0.03001921996474266},{"text":"Yeah.","start":468.175,"end":468.655,"sentiment":"neutral","sentiment_score":0.03763540834188461}],"sentiment":"neutral","sentiment_score":0.007289258763194084,"num_words":5,"start":422.545,"end":468.655},{"sentences":[{"text":"They do, like, for all different companies.","start":468.655,"end":470.41498,"sentiment":"neutral","sentiment_score":0.035059347482664246},{"text":"I'm guessing, like, if I talk to them, they're not just gonna suggest one company.","start":470.41498,"end":473.535,"sentiment":"neutral","sentiment_score":-0.007534158198783795},{"text":"It'll be, like, going through multiple companies.","start":473.535,"end":475.955,"sentiment":"neutral","sentiment_score":-0.00009449770940201623},{"text":"Okay.","start":477.29498,"end":477.79498,"sentiment":"neutral","sentiment_score":0.018734175711870193},{"text":"Yeah.","start":477.85498,"end":478.35498,"sentiment":"neutral","sentiment_score":0.011567630805075169}],"sentiment":"neutral","sentiment_score":0.005227205869291098,"num_words":31,"start":468.655,"end":478.35498},{"sentences":[{"text":"Yep.","start":487.34,"end":487.84,"sentiment":"neutral","sentiment_score":-0.0883580893278122},{"text":"Oh, yeah.","start":501.085,"end":501.565,"sentiment":"neutral","sentiment_score":-0.07252117991447449},{"text":"Yeah.","start":501.565,"end":501.885,"sentiment":"neutral","sentiment_score":-0.056817516684532166},{"text":"I definitely need to get set up.","start":501.885,"end":503.245,"sentiment":"neutral","sentiment_score":-0.14545500384909765},{"text":"It's just that yeah.","start":503.245,"end":506.305,"sentiment":"neutral","sentiment_score":-0.19904659129679203}],"sentiment":"neutral","sentiment_score":-0.140305957198143,"num_words":15,"start":487.34,"end":506.305},{"sentences":[{"text":"Yeah.","start":507.41998,"end":507.66,"sentiment":"neutral","sentiment_score":-0.28405898809432983},{"text":"I don't have the time really, which is why I have so much money.","start":507.66,"end":510.46,"sentiment":"negative","sentiment_score":-0.3851629048585892},{"text":"And then yeah.","start":510.46,"end":511.58,"sentiment":"neutral","sentiment_score":-0.21451078355312347},{"text":"I thought you guys had done that.","start":511.58,"end":512.94,"sentiment":"negative","sentiment_score":-0.3614240011998585},{"text":"And this other guy was supposed to call me, not even from your like, when I mentioned to the account that I suggested to you guys, he was like, what do you mean that?","start":512.94,"end":518.56,"sentiment":"negative","sentiment_score":-0.41951687020414014}],"sentiment":"negative","sentiment_score":-0.39175277291718175,"num_words":59,"start":507.41998,"end":518.56},{"sentences":[{"text":"He was like, oh, well, I know someone else that will do it.","start":518.77997,"end":521.315,"sentiment":"negative","sentiment_score":-0.4379248000108279},{"text":"Like, I can give you a call the next week or two.","start":521.315,"end":522.755,"sentiment":"neutral","sentiment_score":-0.2298608124256134},{"text":"And I was like, yeah.","start":522.755,"end":523.15497,"sentiment":"negative","sentiment_score":-0.34413862228393555},{"text":"That'd be awesome.","start":523.15497,"end":524.055,"sentiment":"negative","sentiment_score":-0.3693576355775197},{"text":"And that was, like, July.","start":524.195,"end":526.295,"sentiment":"negative","sentiment_score":-0.6946462631225586}],"sentiment":"negative","sentiment_score":-0.38824603902666194,"num_words":38,"start":518.77997,"end":526.295},{"sentences":[{"text":"So when I talk to Yeah.","start":527.875,"end":529.71497,"sentiment":"neutral","sentiment_score":-0.10511184607942899},{"text":"Like, he's gonna be like, what the hell is going on?","start":529.71497,"end":532.21497,"sentiment":"neutral","sentiment_score":-0.12507626143368808},{"text":"I'm going to go.","start":532.27496,"end":533.25,"sentiment":"neutral","sentiment_score":-0.10654369741678238},{"text":"No idea.","start":533.41,"end":534.13,"sentiment":"neutral","sentiment_score":-0.28900885581970215},{"text":"Obviously, they work for the bloody ATM.","start":534.13,"end":536.13,"sentiment":"neutral","sentiment_score":-0.3225500328200204}],"sentiment":"neutral","sentiment_score":-0.17561842277646064,"num_words":30,"start":527.875,"end":536.13},{"sentences":[{"text":"ATM is stealing all me fucking money.","start":536.13,"end":538.23,"sentiment":"negative","sentiment_score":-0.5912028423377446},{"text":"No.","start":543.49,"end":543.99,"sentiment":"neutral","sentiment_score":-0.23728251457214355},{"text":"No.","start":544.05,"end":544.55,"sentiment":"neutral","sentiment_score":-0.2397896647453308},{"text":"Yeah.","start":557.675,"end":558.12,"sentiment":"neutral","sentiment_score":0.026304617524147034},{"text":"And then I'll I'll yeah.","start":558.68,"end":559.98,"sentiment":"neutral","sentiment_score":0.02889215424656868}],"sentiment":"neutral","sentiment_score":-0.2963151124616464,"num_words":15,"start":536.13,"end":559.98},{"sentences":[{"text":"And then I can advise someone to help 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same.","start":621.19,"end":622.23,"sentiment":"neutral","sentiment_score":-0.03843468427658081},{"text":"What what was what what was, like, change?","start":622.23,"end":624.57,"sentiment":"neutral","sentiment_score":-0.03070168476551771},{"text":"What's Yeah.","start":624.71,"end":634.265,"sentiment":"neutral","sentiment_score":-0.026128158904612064}],"sentiment":"neutral","sentiment_score":0.026890103656210397,"num_words":19,"start":602.255,"end":634.265},{"sentences":[{"text":"That's all the stuff.","start":634.265,"end":635.405,"sentiment":"neutral","sentiment_score":-0.07221137173473835},{"text":"I haven't quit yet.","start":635.54504,"end":636.765,"sentiment":"neutral","sentiment_score":-0.044641340151429176},{"text":"I'm pretty sure when we were off with the questionnaire, I was like, yeah.","start":636.825,"end":639.78503,"sentiment":"neutral","sentiment_score":-0.008155889942177705},{"text":"I'm quitting, like, couple 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good.","start":648.65,"end":649.79004,"sentiment":"positive","sentiment_score":0.4291961342096329}],"sentiment":"positive","sentiment_score":0.3721390962600708,"num_words":15,"start":642.73004,"end":649.79004},{"sentences":[{"text":"Just not as good as yeah.","start":650.01,"end":652.11005,"sentiment":"neutral","sentiment_score":-0.04660414159297943},{"text":"One thing's a 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went off because I had a valuer valuer last started last year for $9.60 or something, so I put a pull in.","start":673.73004,"end":680.53,"sentiment":"neutral","sentiment_score":0.0270244929453601}],"sentiment":"neutral","sentiment_score":0.020619301815275794,"num_words":27,"start":657.675,"end":680.53},{"sentences":[{"text":"And then I was talking to I'm a I'm a valuer myself.","start":680.53,"end":683.49005,"sentiment":"neutral","sentiment_score":0.10735844758649667},{"text":"Like, I value property for banks.","start":683.49005,"end":684.93,"sentiment":"neutral","sentiment_score":0.05797254418333372},{"text":"So I was talking to an agent the other day about the market where I live, and he was like, oh, you have to probably be around the one one one mark.","start":684.93,"end":692.485,"sentiment":"neutral","sentiment_score":0.0371691852924414},{"text":"So 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if that makes a difference.","start":737.91003,"end":740.41003,"sentiment":"neutral","sentiment_score":-0.05807636150469383},{"text":"Yeah.","start":747.615,"end":747.855,"sentiment":"neutral","sentiment_score":-0.03551166504621506}],"sentiment":"neutral","sentiment_score":-0.05002795247869058,"num_words":55,"start":727.065,"end":747.855},{"sentences":[{"text":"No.","start":747.855,"end":748.355,"sentiment":"neutral","sentiment_score":-0.04498466104269028},{"text":"She's just a carrier.","start":748.495,"end":749.555,"sentiment":"neutral","sentiment_score":0.17964469268918037},{"text":"She's classic to me.","start":751.535,"end":752.995,"sentiment":"positive","sentiment_score":0.6054573655128479},{"text":"I think I have, like, 32 or $33 in savings at the 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time.","start":1309.86,"end":1311.48,"sentiment":"neutral","sentiment_score":-0.0033545919383565583},{"text":"Oh, what was that?","start":1337.515,"end":1338.235,"sentiment":"neutral","sentiment_score":-0.03945246944203973},{"text":"What did I put out?","start":1338.235,"end":1338.955,"sentiment":"neutral","sentiment_score":-0.04568856582045555}],"sentiment":"neutral","sentiment_score":0.0705285453917207,"num_words":37,"start":1302.58,"end":1338.955},{"sentences":[{"text":"Well, I was trying to you guys, and it was like a I thought it was and I I literally I filled it out, like, three times because I would when I when I spoke to you last time, though, like, you've got I think it was, like, thirty days, but because I live at least an hour from all my family.","start":1338.955,"end":1353.5499,"sentiment":"neutral","sentiment_score":-0.12095361893936511},{"text":"I then have to drive down and see them, which I couldn't just, like, drop And I drive down and get get on the phone, and then I'd come home and then I, like, would go to post it, like, a week later.","start":1353.9299,"end":1366.245,"sentiment":"neutral","sentiment_score":-0.13429553633512453},{"text":"And then I forget because I'd be busy, and then I go to post a week later.","start":1366.245,"end":1368.565,"sentiment":"neutral","sentiment_score":-0.26363714126979604},{"text":"I'd be like, shit.","start":1368.565,"end":1369.2051,"sentiment":"negative","sentiment_score":-0.534438744187355},{"text":"I'm outside of thirty days.","start":1369.2051,"end":1370.165,"sentiment":"negative","sentiment_score":-0.4032362997531891}],"sentiment":"neutral","sentiment_score":-0.1672488573568923,"num_words":131,"start":1338.955,"end":1370.165},{"sentences":[{"text":"So you guys kept on having to send it to me, and I kept on having to do that.","start":1370.165,"end":1372.885,"sentiment":"negative","sentiment_score":-0.48179569840431213},{"text":"And then I was like, fuck.","start":1372.885,"end":1373.765,"sentiment":"negative","sentiment_score":-0.4890945802132289},{"text":"I don't know.","start":1373.765,"end":1374.2051,"sentiment":"negative","sentiment_score":-0.47483813762664795},{"text":"I didn't even send it back in.","start":1374.2051,"end":1375.365,"sentiment":"neutral","sentiment_score":-0.23127038617219245},{"text":"I was like, well, too bad.","start":1375.365,"end":1376.485,"sentiment":"neutral","sentiment_score":-0.28920986006657284}],"sentiment":"negative","sentiment_score":-0.4113988299377081,"num_words":41,"start":1370.165,"end":1376.485},{"sentences":[{"text":"It's it's currently sitting in my bloody pantry.","start":1376.485,"end":1378.5851,"sentiment":"neutral","sentiment_score":-0.2192472107708454},{"text":"Like, the last year or whatever.","start":1379.1,"end":1380.4,"sentiment":"neutral","sentiment_score":-0.072744594886899},{"text":"Yeah.","start":1381.42,"end":1381.92,"sentiment":"neutral","sentiment_score":-0.05443659424781799},{"text":"Yeah.","start":1390.0599,"end":1390.5599,"sentiment":"neutral","sentiment_score":-0.04941374063491821},{"text":"Yep.","start":1451.8551,"end":1452.175,"sentiment":"neutral","sentiment_score":0.06865610927343369}],"sentiment":"neutral","sentiment_score":-0.13091996947632117,"num_words":17,"start":1376.485,"end":1452.175},{"sentences":[{"text":"Yeah.","start":1452.175,"end":1452.415,"sentiment":"neutral","sentiment_score":0.1881597340106964},{"text":"That's all good.","start":1452.415,"end":1452.895,"sentiment":"neutral","sentiment_score":0.30794140696525574},{"text":"I mean, I don't work in an office.","start":1452.895,"end":1454.255,"sentiment":"neutral","sentiment_score":-0.09298678394407034},{"text":"I work at home.","start":1454.255,"end":1455.135,"sentiment":"neutral","sentiment_score":-0.07186411134898663},{"text":"Sorry.","start":1455.135,"end":1455.635,"sentiment":"neutral","sentiment_score":-0.09370803087949751}],"sentiment":"neutral","sentiment_score":-0.000769105465973124,"num_words":17,"start":1452.175,"end":1455.635},{"sentences":[{"text":"Unless I'm, like, getting someone off the street.","start":1455.8551,"end":1457.6951,"sentiment":"neutral","sentiment_score":-0.11481978092342615},{"text":"I don't really know anyone directly around.","start":1457.6951,"end":1460.175,"sentiment":"neutral","sentiment_score":-0.10020358541182109},{"text":"Yeah.","start":1460.175,"end":1460.675,"sentiment":"neutral","sentiment_score":-0.03806184232234955},{"text":"I'll come in.","start":1461.055,"end":1461.775,"sentiment":"neutral","sentiment_score":-0.03941220293442408},{"text":"I'll just go to my neighbor's house.","start":1461.775,"end":1463.4751,"sentiment":"neutral","sentiment_score":-0.046246374025940895}],"sentiment":"neutral","sentiment_score":-0.0807694774837448,"num_words":26,"start":1455.8551,"end":1463.4751},{"sentences":[{"text":"Yeah.","start":1464.495,"end":1464.8151,"sentiment":"neutral","sentiment_score":-0.0613945871591568},{"text":"Sounds like it killed me before I fired it.","start":1464.8151,"end":1466.82,"sentiment":"neutral","sentiment_score":-0.1809798859887653},{"text":"Yeah.","start":1485.775,"end":1486.015,"sentiment":"neutral","sentiment_score":0.13771893084049225},{"text":"Yeah.","start":1486.015,"end":1486.255,"sentiment":"neutral","sentiment_score":0.14391615986824036},{"text":"That'd be awesome.","start":1486.255,"end":1487.135,"sentiment":"positive","sentiment_score":0.3950338214635849}],"sentiment":"neutral","sentiment_score":-0.014898467063903808,"num_words":15,"start":1464.495,"end":1487.135},{"sentences":[{"text":"Yeah.","start":1487.135,"end":1487.455,"sentiment":"neutral","sentiment_score":0.2880622446537018},{"text":"Because I have this feeling that the last time.","start":1487.455,"end":1489.795,"sentiment":"neutral","sentiment_score":-0.0667745288875368},{"text":"Yeah.","start":1494.895,"end":1495.135,"sentiment":"neutral","sentiment_score":-0.13574787974357605},{"text":"But it's, like, very dog.","start":1495.135,"end":1496.6749,"sentiment":"neutral","sentiment_score":-0.1518437772989273},{"text":"You know?","start":1497.32,"end":1497.64,"sentiment":"neutral","sentiment_score":-0.060663407668471336}],"sentiment":"neutral","sentiment_score":-0.0738445609394047,"num_words":18,"start":1487.135,"end":1497.64},{"sentences":[{"text":"It's like random words, and I'm like, well, if I pick the wrong one, I just yeah.","start":1497.64,"end":1501.9,"sentiment":"neutral","sentiment_score":-0.09762898262809305},{"text":"Yeah.","start":1506.6799,"end":1507.1799,"sentiment":"neutral","sentiment_score":0.2303335666656494},{"text":"No.","start":1559.94,"end":1560.26,"sentiment":"neutral","sentiment_score":-0.0414854921400547},{"text":"Just the mortgage and the car and, I don't know, having some kids at some point before I'm, like, too old, but that's not anything you guys can help me with.","start":1560.26,"end":1569.1599,"sentiment":"neutral","sentiment_score":-0.06931319000620034},{"text":"But yeah.","start":1570.3949,"end":1571.755,"sentiment":"neutral","sentiment_score":-0.040345861576497555}],"sentiment":"neutral","sentiment_score":-0.07115856237494601,"num_words":52,"start":1497.64,"end":1571.755},{"sentences":[{"text":"I mean, I've gotta I was getting all I have to, like what do you call it?","start":1571.755,"end":1576.075,"sentiment":"neutral","sentiment_score":-0.03652881513185361},{"text":"Pull money out to freeze eggs or something.","start":1576.075,"end":1578.095,"sentiment":"neutral","sentiment_score":-0.00459199957549572},{"text":"Are you supposed to freeze eggs by the time you're, like, 30 or something?","start":1578.235,"end":1580.7949,"sentiment":"neutral","sentiment_score":0.024444735209856714},{"text":"I'm pretty sure.","start":1580.7949,"end":1581.7749,"sentiment":"neutral","sentiment_score":0.0012929161700109641},{"text":"Oh, that's okay.","start":1597.315,"end":1598.615,"sentiment":"neutral","sentiment_score":0.008900161211689314}],"sentiment":"neutral","sentiment_score":-0.006331562861386273,"num_words":45,"start":1571.755,"end":1598.615},{"sentences":[{"text":"Yeah.","start":1598.9149,"end":1599.4149,"sentiment":"neutral","sentiment_score":0.00355315487831831},{"text":"But yeah.","start":1602.995,"end":1603.5549,"sentiment":"neutral","sentiment_score":-0.004949063993990422},{"text":"Well, I I hear that you then before we just have two ladies at our work.","start":1603.5549,"end":1608.4349,"sentiment":"neutral","sentiment_score":-0.049622775288298726},{"text":"One of them has had to give up, and she's only 34.","start":1608.4349,"end":1612.72,"sentiment":"neutral","sentiment_score":-0.17089969540635744},{"text":"That's done, like, six or seven rounds of IVF that haven't, like, set at work and then haven't stuck.","start":1612.78,"end":1618.72,"sentiment":"neutral","sentiment_score":-0.11913881411677912}],"sentiment":"neutral","sentiment_score":-0.1022948638163507,"num_words":50,"start":1598.9149,"end":1618.72},{"sentences":[{"text":"And then one of the other ladies, she's only 31 or 32 married, and she had been trying for the last three years with her, like, childhood sweetheart.","start":1619.02,"end":1629.615,"sentiment":"neutral","sentiment_score":-0.03708404089723315},{"text":"Couldn't have kids.","start":1629.915,"end":1630.635,"sentiment":"neutral","sentiment_score":-0.047869683553775154},{"text":"Went through IVF.","start":1630.635,"end":1631.615,"sentiment":"neutral","sentiment_score":-0.045618195086717606},{"text":"Did, I think, 10 or 11 rounds or something.","start":1631.675,"end":1633.915,"sentiment":"neutral","sentiment_score":-0.03970908290810055},{"text":"And then her last round was in the last year and she worked.","start":1633.915,"end":1637.24,"sentiment":"neutral","sentiment_score":-0.03457088997730842}],"sentiment":"neutral","sentiment_score":-0.037957501730748584,"num_words":56,"start":1619.02,"end":1637.24},{"sentences":[{"text":"She was like, that was the only that was our last chance.","start":1637.24,"end":1640.3,"sentiment":"neutral","sentiment_score":-0.08130248527353008},{"text":"Oh my god.","start":1640.6,"end":1641.0801,"sentiment":"neutral","sentiment_score":-0.16978738705317178},{"text":"That's so young.","start":1641.0801,"end":1642.06,"sentiment":"neutral","sentiment_score":-0.1839532603820165},{"text":"I'm 31.","start":1642.28,"end":1643.0801,"sentiment":"neutral","sentiment_score":-0.07120299525558949},{"text":"I'm 33 or something.","start":1643.0801,"end":1644.62,"sentiment":"neutral","sentiment_score":-0.07115715369582176}],"sentiment":"neutral","sentiment_score":-0.10266193212009966,"num_words":24,"start":1637.24,"end":1644.62},{"sentences":[{"text":"Yeah.","start":1722.5901,"end":1723.0901,"sentiment":"neutral","sentiment_score":0.03661800175905228},{"text":"Yeah.","start":1727.7101,"end":1728.03,"sentiment":"neutral","sentiment_score":-0.04226488247513771},{"text":"No.","start":1728.03,"end":1728.27,"sentiment":"neutral","sentiment_score":-0.12352429330348969},{"text":"No.","start":1728.27,"end":1728.43,"sentiment":"neutral","sentiment_score":-0.1223590448498726},{"text":"That's not how.","start":1728.43,"end":1729.4901,"sentiment":"neutral","sentiment_score":-0.1302220101157824}],"sentiment":"neutral","sentiment_score":-0.091742321316685,"num_words":7,"start":1722.5901,"end":1729.4901},{"sentences":[{"text":"Yeah.","start":1858.3,"end":1858.8,"sentiment":"neutral","sentiment_score":0.15756359696388245},{"text":"Yeah.","start":1869.18,"end":1869.68,"sentiment":"neutral","sentiment_score":-0.017122214660048485},{"text":"I don't know.","start":1869.98,"end":1870.54,"sentiment":"neutral","sentiment_score":-0.09497134387493134},{"text":"Still with the bay.","start":1870.54,"end":1871.18,"sentiment":"neutral","sentiment_score":-0.10643567144870758},{"text":"I don't really see much of a difference here.","start":1871.18,"end":1874.155,"sentiment":"neutral","sentiment_score":-0.17351023273335564}],"sentiment":"neutral","sentiment_score":-0.11843374609533283,"num_words":18,"start":1858.3,"end":1874.155},{"sentences":[{"text":"I'm just I'm just gonna jump out of the car and take a photo of the block of land.","start":1874.155,"end":1877.1951,"sentiment":"neutral","sentiment_score":0.012535420197405313},{"text":"I'll just be one sec.","start":1877.1951,"end":1877.915,"sentiment":"neutral","sentiment_score":0.024171966686844827},{"text":"Just because some guy's about to park on it.","start":1877.915,"end":1879.675,"sentiment":"neutral","sentiment_score":0.058842179675896965},{"text":"Just give me one second.","start":1879.675,"end":1880.8151,"sentiment":"neutral","sentiment_score":0.11916355732828379},{"text":"Yeah.","start":1931.475,"end":1931.715,"sentiment":"neutral","sentiment_score":0.0123380022123456}],"sentiment":"neutral","sentiment_score":0.0383786723877375,"num_words":39,"start":1874.155,"end":1931.715},{"sentences":[{"text":"It's just the original 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building.","start":1939.075,"end":1942.595,"sentiment":"neutral","sentiment_score":-0.027707118696222704},{"text":"So they should start building in the next couple of months.","start":1942.595,"end":1944.695,"sentiment":"neutral","sentiment_score":0.0049071474508805705},{"text":"Yeah.","start":1946.39,"end":1946.89,"sentiment":"neutral","sentiment_score":-0.02249813638627529},{"text":"Yeah.","start":1947.51,"end":1947.83,"sentiment":"neutral","sentiment_score":-0.03898186609148979}],"sentiment":"neutral","sentiment_score":-0.0269061283996472,"num_words":39,"start":1936.275,"end":1947.83},{"sentences":[{"text":"It's getting crazy.","start":1947.83,"end":1948.63,"sentiment":"neutral","sentiment_score":-0.07866687575976054},{"text":"Yeah.","start":1948.63,"end":1949.13,"sentiment":"neutral","sentiment_score":-0.013930147513747215},{"text":"Alrighty.","start":1953.11,"end":1953.61,"sentiment":"neutral","sentiment_score":0.004992671310901642},{"text":"Oh, funny.","start":1954.71,"end":1955.53,"sentiment":"neutral","sentiment_score":-0.01309534814208746},{"text":"No.","start":1955.91,"end":1956.39,"sentiment":"neutral","sentiment_score":-0.14629210531711578}],"sentiment":"neutral","sentiment_score":-0.05217761313542724,"num_words":8,"start":1947.83,"end":1956.39},{"sentences":[{"text":"I'm okay.","start":1956.39,"end":1957.37,"sentiment":"neutral","sentiment_score":-0.10216454043984413},{"text":"They got, yeah, he's like, oh, I said, who's bought it?","start":1958.39,"end":1962.3251,"sentiment":"neutral","sentiment_score":-0.10744738917459142},{"text":"Is it already sold?","start":1962.3251,"end":1963.4451,"sentiment":"neutral","sentiment_score":-0.10296045430004597},{"text":"It's not even on the market.","start":1963.4451,"end":1964.665,"sentiment":"neutral","sentiment_score":-0.2333710491657257},{"text":"Like, you park your damn trucks on it.","start":1965.8451,"end":1968.025,"sentiment":"neutral","sentiment_score":-0.269266027957201}],"sentiment":"neutral","sentiment_score":-0.17265957089201098,"num_words":31,"start":1956.39,"end":1968.025},{"sentences":[{"text":"I don't think anyone's gonna wanna buy it.","start":1968.405,"end":1970.165,"sentiment":"negative","sentiment_score":-0.5329035148024559},{"text":"The block's absolutely ruined.","start":1970.165,"end":1971.7051,"sentiment":"negative","sentiment_score":-0.6598475053906441},{"text":"That's so funny.","start":1973.06,"end":1973.86,"sentiment":"negative","sentiment_score":-0.560951958100001},{"text":"Yeah.","start":1973.86,"end":1974.18,"sentiment":"neutral","sentiment_score":-0.2551983594894409},{"text":"It says, like, dumped all the rubbish, like and then they backed their cars off, put their parking down to three three of their work cars and then 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was next to a vacant block of land.","start":2056.025,"end":2057.625,"sentiment":"neutral","sentiment_score":-0.20437241593996683},{"text":"Like, I was one of us because it's mine's a newer new house.","start":2057.625,"end":2061.22,"sentiment":"neutral","sentiment_score":-0.18235298704642516},{"text":"And people next to me haven't built on this, but because, like, the people next to me hadn't built on this, and then the people that was directly behind them hadn't built on theirs either.","start":2061.22,"end":2071.7751,"sentiment":"neutral","sentiment_score":-0.27609028943947383},{"text":"So it was just, like, two vacant blocks of land backing onto each other with no fence in the middle.","start":2071.7751,"end":2075.8552,"sentiment":"neutral","sentiment_score":-0.10553082097321749},{"text":"So people and to get to the street behind us, you had to, like, go up my street and then around, like, a loop and then go into that street.","start":2075.8552,"end":2082.0352,"sentiment":"neutral","sentiment_score":-0.05243654592583577}],"sentiment":"neutral","sentiment_score":-0.16408236918396482,"num_words":107,"start":2056.025,"end":2082.0352},{"sentences":[{"text":"So people were just using, like, my front yard of my grass to, like, pull their car up onto the curb onto my grass, drive along my grass, and then turn left before this, like, tree thing onto the vacant land and then drive through both vacant block the land down onto the street behind instead of just driving up the street.","start":2082.0952,"end":2098.68,"sentiment":"neutral","sentiment_score":-0.049378722064918085},{"text":"Anyway, I there's not much I can really do about it, but they broke, like, my irrigation system, obviously, because they're driving over it.","start":2099.365,"end":2105.385,"sentiment":"negative","sentiment_score":-0.4295898030201594},{"text":"Yeah.","start":2106.0051,"end":2106.3252,"sentiment":"negative","sentiment_score":-0.4173982441425323},{"text":"Annoying hay.","start":2106.3252,"end":2107.125,"sentiment":"negative","sentiment_score":-0.6234728693962097},{"text":"Anyway and yeah.","start":2107.125,"end":2110.905,"sentiment":"negative","sentiment_score":-0.3984648485978444}],"sentiment":"neutral","sentiment_score":-0.1764279844482308,"num_words":92,"start":2082.0952,"end":2110.905},{"sentences":[{"text":"Yeah.","start":2111.33,"end":2111.57,"sentiment":"neutral","sentiment_score":-0.24738571047782895},{"text":"They they don't really care, like, these people.","start":2111.57,"end":2113.81,"sentiment":"negative","sentiment_score":-0.49303169175982475},{"text":"Like, it's now that the people that are behind them, like, behind the vacant block on their land next to me, they've built on theirs and put a fence up.","start":2113.81,"end":2121.01,"sentiment":"neutral","sentiment_score":-0.2863335097829501},{"text":"So people can't do that now.","start":2121.01,"end":2122.53,"sentiment":"negative","sentiment_score":-0.3638375947872798},{"text":"But now it's because, like, it's semi secluded, like, the vacant block of land beside me with all the fencing around except for the front boundary fencing.","start":2122.53,"end":2129.285,"sentiment":"neutral","sentiment_score":-0.185587618637968}],"sentiment":"neutral","sentiment_score":-0.2774379973610242,"num_words":72,"start":2111.33,"end":2129.285},{"sentences":[{"text":"People just drive their cars up and just, like, dump all their rubbish.","start":2129.4248,"end":2132.6448,"sentiment":"negative","sentiment_score":-0.37473008838983685},{"text":"So I'm like, it's just so silly.","start":2133.345,"end":2134.785,"sentiment":"negative","sentiment_score":-0.6418570748397282},{"text":"Like, I don't understand how people do that.","start":2134.785,"end":2136.9648,"sentiment":"negative","sentiment_score":-0.5839233472943306},{"text":"Yeah.","start":2137.4248,"end":2137.9248,"sentiment":"neutral","sentiment_score":-0.10582412034273148},{"text":"Yeah.","start":2138.385,"end":2138.885,"sentiment":"neutral","sentiment_score":-0.0764586329460144}],"sentiment":"negative","sentiment_score":-0.47393867348631225,"num_words":30,"start":2129.4248,"end":2138.885},{"sentences":[{"text":"Yeah.","start":2140.9302,"end":2141.33,"sentiment":"neutral","sentiment_score":-0.14247865974903107},{"text":"Yeah.","start":2141.33,"end":2141.57,"sentiment":"neutral","sentiment_score":-0.16321402788162231},{"text":"Because the owners have to pay to get rid of it, like, when they build on it.","start":2141.57,"end":2144.2102,"sentiment":"neutral","sentiment_score":-0.2872853489483104},{"text":"You've gotta actually pay to get rid of that concrete.","start":2144.2102,"end":2146.77,"sentiment":"neutral","sentiment_score":-0.2397390991449356},{"text":"Do you know how expensive it it is to get rid of concrete off your block of land?","start":2146.77,"end":2150.2102,"sentiment":"neutral","sentiment_score":-0.3314734233750237}],"sentiment":"neutral","sentiment_score":-0.288371409190462,"num_words":47,"start":2140.9302,"end":2150.2102},{"sentences":[{"text":"You've gotta come pay someone to actually, like, full blown jackhammer it or bring out a, what do you call it, machine.","start":2150.2102,"end":2157.875,"sentiment":"negative","sentiment_score":-0.38200365006923676},{"text":"Because you can't pull it up.","start":2158.655,"end":2159.695,"sentiment":"negative","sentiment_score":-0.3591893787185351},{"text":"It's got yeah.","start":2159.695,"end":2161.555,"sentiment":"neutral","sentiment_score":-0.17271342873573303},{"text":"Yeah.","start":2161.935,"end":2162.435,"sentiment":"neutral","sentiment_score":-0.167273610830307},{"text":"Yeah.","start":2162.815,"end":2163.135,"sentiment":"neutral","sentiment_score":-0.2098536193370819}],"sentiment":"negative","sentiment_score":-0.34710557849118207,"num_words":33,"start":2150.2102,"end":2163.135},{"sentences":[{"text":"It's silly.","start":2163.135,"end":2163.775,"sentiment":"negative","sentiment_score":-0.502352237701416},{"text":"Hey.","start":2163.775,"end":2164.275,"sentiment":"negative","sentiment_score":-0.5301158428192139},{"text":"Anyway, I'm a little ran.","start":2164.77,"end":2167.91,"sentiment":"neutral","sentiment_score":-0.1869944989681244},{"text":"Yeah.","start":2172.61,"end":2173.11,"sentiment":"neutral","sentiment_score":-0.06187373399734497},{"text":"No.","start":2173.33,"end":2173.57,"sentiment":"neutral","sentiment_score":-0.286683052778244}],"sentiment":"neutral","sentiment_score":-0.2818349599838257,"num_words":10,"start":2163.135,"end":2173.57},{"sentences":[{"text":"I'm already tired.","start":2173.57,"end":2174.6301,"sentiment":"negative","sentiment_score":-0.45165414611498517},{"text":"Yeah.","start":2176.53,"end":2177.03,"sentiment":"neutral","sentiment_score":0.20612215995788577},{"text":"Okay.","start":2198.95,"end":2199.45,"sentiment":"neutral","sentiment_score":0.046934060752391815},{"text":"Yeah.","start":2229.2,"end":2229.7,"sentiment":"neutral","sentiment_score":0.131498321890831},{"text":"Okay.","start":2250.73,"end":2251.05,"sentiment":"neutral","sentiment_score":0.08207304030656815}],"sentiment":"neutral","sentiment_score":-0.12690497934818268,"num_words":7,"start":2173.57,"end":2251.05},{"sentences":[{"text":"I'll send it back.","start":2251.05,"end":2251.77,"sentiment":"neutral","sentiment_score":0.07366501353681087},{"text":"Okay.","start":2251.77,"end":2252.27,"sentiment":"neutral","sentiment_score":0.1108470857143402},{"text":"Okay.","start":2274.155,"end":2274.655,"sentiment":"neutral","sentiment_score":0.12277348339557648},{"text":"Yeah.","start":2282.57,"end":2282.81,"sentiment":"neutral","sentiment_score":0.03704468905925751},{"text":"That sounds what was that?","start":2282.81,"end":2284.01,"sentiment":"neutral","sentiment_score":-0.031830791383981705}],"sentiment":"neutral","sentiment_score":0.033847612949709095,"num_words":12,"start":2251.05,"end":2284.01},{"sentences":[{"text":"Full disability and Yeah.","start":2284.01,"end":2343.21,"sentiment":"neutral","sentiment_score":-0.13206736743450165},{"text":"Okay.","start":2343.21,"end":2343.71,"sentiment":"neutral","sentiment_score":0.01845991425216198},{"text":"Well, what's is that usually, like, where it's sitting for other people?","start":2343.93,"end":2348.215,"sentiment":"neutral","sentiment_score":-0.005138597373540203},{"text":"Yes.","start":2440.865,"end":2441.365,"sentiment":"neutral","sentiment_score":0.08307765424251556},{"text":"I think so at the moment, and then maybe revisit it again soon.","start":2483.975,"end":2488.375,"sentiment":"neutral","sentiment_score":-0.0018825712255560432}],"sentiment":"neutral","sentiment_score":-0.0165441450212271,"num_words":31,"start":2284.01,"end":2488.375},{"sentences":[{"text":"So it's currently costing me 6,265 a year.","start":2488.375,"end":2491.495,"sentiment":"neutral","sentiment_score":0.0012780263787135482},{"text":"Is that right?","start":2491.495,"end":2492.315,"sentiment":"neutral","sentiment_score":0.02798602357506752},{"text":"Yes.","start":2493.895,"end":2494.395,"sentiment":"neutral","sentiment_score":0.04258155450224877},{"text":"When's the next can we, like, check it back in at the end of the year, but not, like, wait till next year?","start":2498.01,"end":2503.3901,"sentiment":"neutral","sentiment_score":0.02792783283992954},{"text":"Yes.","start":2515.8352,"end":2516.3352,"sentiment":"neutral","sentiment_score":0.052406832575798035}],"sentiment":"neutral","sentiment_score":0.0230975228930927,"num_words":36,"start":2488.375,"end":2516.3352},{"sentences":[{"text":"Yeah.","start":2523.63,"end":2524.13,"sentiment":"neutral","sentiment_score":0.005414947867393494},{"text":"Okay.","start":2527.7898,"end":2528.2898,"sentiment":"neutral","sentiment_score":0.07974930852651596},{"text":"Yeah.","start":2529.3098,"end":2529.8098,"sentiment":"neutral","sentiment_score":0.17889514565467834},{"text":"Mhmm.","start":2533.95,"end":2534.45,"sentiment":"neutral","sentiment_score":0.05347626283764839},{"text":"Yep.","start":2545.6748,"end":2545.9148,"sentiment":"neutral","sentiment_score":0.04155006259679794}],"sentiment":"neutral","sentiment_score":0.07181714549660682,"num_words":5,"start":2523.63,"end":2545.9148},{"sentences":[{"text":"Yeah.","start":2545.9148,"end":2546.155,"sentiment":"neutral","sentiment_score":0.047136325389146805},{"text":"That sounds like a good time.","start":2546.155,"end":2547.615,"sentiment":"positive","sentiment_score":0.40115623952200014},{"text":"Not too close to Christmas.","start":2547.9148,"end":2549.2148,"sentiment":"neutral","sentiment_score":-0.09085084572434425},{"text":"Yes.","start":2558.15,"end":2558.65,"sentiment":"neutral","sentiment_score":0.10508795082569122},{"text":"Yes.","start":2566.39,"end":2566.89,"sentiment":"neutral","sentiment_score":0.14117687940597534}],"sentiment":"neutral","sentiment_score":0.16043459743793523,"num_words":14,"start":2545.9148,"end":2566.89},{"sentences":[{"text":"Yes.","start":2567.5898,"end":2568.0898,"sentiment":"neutral","sentiment_score":0.2016078233718872},{"text":"Yeah.","start":2615.55,"end":2616.05,"sentiment":"neutral","sentiment_score":0.14627106487751007},{"text":"Okay.","start":2623.1025,"end":2623.6025,"sentiment":"neutral","sentiment_score":0.05603673681616783},{"text":"What's that going for?","start":2631.535,"end":2632.335,"sentiment":"neutral","sentiment_score":-0.13206476345658302},{"text":"Is that, like, if I lose my leg or something that I can still, like, work?","start":2632.335,"end":2635.135,"sentiment":"neutral","sentiment_score":-0.2204455896280706}],"sentiment":"neutral","sentiment_score":-0.1587596896873868,"num_words":23,"start":2567.5898,"end":2635.135},{"sentences":[{"text":"So that's traumatic?","start":2635.135,"end":2636.035,"sentiment":"neutral","sentiment_score":-0.204359104235967},{"text":"Yeah.","start":2662.9749,"end":2663.4749,"sentiment":"neutral","sentiment_score":-0.06204920262098312},{"text":"Oh my god.","start":2673.74,"end":2674.8,"sentiment":"neutral","sentiment_score":-0.02135361358523369},{"text":"Yes.","start":2699.395,"end":2699.895,"sentiment":"neutral","sentiment_score":0.11285335570573808},{"text":"Okay.","start":2717.505,"end":2717.7449,"sentiment":"neutral","sentiment_score":0.2437680810689926}],"sentiment":"neutral","sentiment_score":-0.04250732436776161,"num_words":9,"start":2635.135,"end":2717.7449},{"sentences":[{"text":"That's good.","start":2717.7449,"end":2718.305,"sentiment":"positive","sentiment_score":0.45373570919036865},{"text":"I mean, because because I never needed it, but that's good to hear.","start":2718.305,"end":2720.725,"sentiment":"neutral","sentiment_score":0.3001646078549899},{"text":"Mhmm.","start":2739.15,"end":2739.65,"sentiment":"neutral","sentiment_score":-0.046479783952236176},{"text":"Yep.","start":2745.95,"end":2746.45,"sentiment":"neutral","sentiment_score":0.005448382347822189},{"text":"Okay.","start":2749.8452,"end":2750.3452,"sentiment":"neutral","sentiment_score":-0.044765714555978775}],"sentiment":"neutral","sentiment_score":0.26243412246306735,"num_words":18,"start":2717.7449,"end":2750.3452},{"sentences":[{"text":"Thank you.","start":2756.405,"end":2757.385,"sentiment":"neutral","sentiment_score":0.26951779425144196},{"text":"Yeah.","start":2771.9302,"end":2772.09,"sentiment":"neutral","sentiment_score":0.059962198138237},{"text":"I think it just comes out of my account.","start":2772.09,"end":2773.87,"sentiment":"neutral","sentiment_score":0.07904452333847682},{"text":"Nearly, doesn't it?","start":2774.415,"end":2778.665,"sentiment":"neutral","sentiment_score":0.04980225612719854},{"text":"Yep.","start":2778.665,"end":2779.165,"sentiment":"neutral","sentiment_score":0.1626952588558197}],"sentiment":"neutral","sentiment_score":0.10140628274530172,"num_words":16,"start":2756.405,"end":2779.165},{"sentences":[{"text":"Yeah.","start":2832.25,"end":2832.615,"sentiment":"neutral","sentiment_score":0.008709099143743515},{"text":"Okay.","start":2832.935,"end":2833.435,"sentiment":"neutral","sentiment_score":0.0463283397257328},{"text":"Okay.","start":2853.4302,"end":2853.9302,"sentiment":"neutral","sentiment_score":0.025033893063664436},{"text":"Okay.","start":2871.045,"end":2871.525,"sentiment":"neutral","sentiment_score":0.12524929642677307},{"text":"Yep.","start":2871.525,"end":2872.025,"sentiment":"neutral","sentiment_score":0.08034350723028183}],"sentiment":"neutral","sentiment_score":0.05713282711803913,"num_words":5,"start":2832.25,"end":2872.025},{"sentences":[{"text":"Yes.","start":2946.0652,"end":2946.5652,"sentiment":"neutral","sentiment_score":0.22795337438583377},{"text":"Yes.","start":2959.08,"end":2959.58,"sentiment":"neutral","sentiment_score":0.07098187506198883},{"text":"Yes.","start":3014.3198,"end":3014.8198,"sentiment":"neutral","sentiment_score":0.07730535417795181},{"text":"Yes.","start":3022.0,"end":3022.5,"sentiment":"neutral","sentiment_score":0.1001073271036148},{"text":"Yes.","start":3037.7048,"end":3038.2048,"sentiment":"positive","sentiment_score":0.3865465819835663}],"sentiment":"neutral","sentiment_score":0.1725789025425911,"num_words":5,"start":2946.0652,"end":3038.2048},{"sentences":[{"text":"Yes.","start":3046.64,"end":3047.14,"sentiment":"neutral","sentiment_score":0.2149650752544403},{"text":"Yep.","start":3062.755,"end":3063.255,"sentiment":"neutral","sentiment_score":0.2960748076438904},{"text":"Okay.","start":3072.56,"end":3072.88,"sentiment":"neutral","sentiment_score":0.28171300888061523},{"text":"That sounds good.","start":3072.88,"end":3073.86,"sentiment":"positive","sentiment_score":0.5042354464530945},{"text":"Yep.","start":3076.32,"end":3076.82,"sentiment":"neutral","sentiment_score":0.27204757928848267}],"sentiment":"positive","sentiment_score":0.3682152586323874,"num_words":7,"start":3046.64,"end":3076.82},{"sentences":[{"text":"Yep.","start":3089.1948,"end":3089.515,"sentiment":"neutral","sentiment_score":0.14374881982803345},{"text":"Yeah.","start":3089.515,"end":3089.9949,"sentiment":"neutral","sentiment_score":0.1561557948589325},{"text":"Yeah.","start":3089.9949,"end":3090.315,"sentiment":"neutral","sentiment_score":0.19147339463233948},{"text":"Sounds good.","start":3090.315,"end":3091.135,"sentiment":"positive","sentiment_score":0.4498484581708908},{"text":"Yes.","start":3145.0151,"end":3145.495,"sentiment":"neutral","sentiment_score":0.15820904076099396}],"sentiment":"neutral","sentiment_score":0.25821399440368015,"num_words":6,"start":3089.1948,"end":3145.495},{"sentences":[{"text":"Yes.","start":3145.495,"end":3145.735,"sentiment":"neutral","sentiment_score":0.20362824201583865},{"text":"That's fine.","start":3145.735,"end":3146.475,"sentiment":"neutral","sentiment_score":0.3147828131914139},{"text":"Okay.","start":3164.98,"end":3165.3,"sentiment":"neutral","sentiment_score":0.07340265810489655},{"text":"So that I just clicked on that sign here thing, and there was only one signature section.","start":3165.3,"end":3169.56,"sentiment":"neutral","sentiment_score":0.09143281486981056},{"text":"Yep.","start":3199.865,"end":3200.025,"sentiment":"neutral","sentiment_score":0.16164442896842957}],"sentiment":"neutral","sentiment_score":0.11920903673903509,"num_words":22,"start":3145.495,"end":3200.025},{"sentences":[{"text":"I think I just did that.","start":3200.025,"end":3201.2249,"sentiment":"neutral","sentiment_score":0.13451126714547476},{"text":"I think you should I think maybe.","start":3201.2249,"end":3203.1648,"sentiment":"neutral","sentiment_score":0.06292632328612464},{"text":"Yep.","start":3250.44,"end":3250.94,"sentiment":"neutral","sentiment_score":0.18538662791252136},{"text":"Yeah.","start":3264.0352,"end":3264.2751,"sentiment":"neutral","sentiment_score":0.135570228099823},{"text":"Yeah.","start":3264.2751,"end":3264.7751,"sentiment":"neutral","sentiment_score":0.14168457686901093}],"sentiment":"neutral","sentiment_score":0.10688708117231727,"num_words":16,"start":3200.025,"end":3264.7751},{"sentences":[{"text":"No.","start":3272.1,"end":3272.34,"sentiment":"neutral","sentiment_score":-0.01844895072281361},{"text":"That's everything.","start":3272.34,"end":3273.2202,"sentiment":"neutral","sentiment_score":0.0037569308187812567},{"text":"No.","start":3273.2202,"end":3273.54,"sentiment":"neutral","sentiment_score":0.0397973507642746},{"text":"Well, good.","start":3273.54,"end":3273.9402,"sentiment":"neutral","sentiment_score":0.2740059047937393},{"text":"Thanks for your help.","start":3273.9402,"end":3275.08,"sentiment":"positive","sentiment_score":0.5419145971536636}],"sentiment":"neutral","sentiment_score":0.27445324598811566,"num_words":10,"start":3272.1,"end":3275.08},{"sentences":[{"text":"So so well, how did I have a time limit on and I don't have a time limit on signing that form with a witness that you'll send out, But is there a time limit on getting a will done up after that?","start":3275.9402,"end":3289.545,"sentiment":"neutral","sentiment_score":-0.027466564872410407},{"text":"Like, obviously, it should be, like, straight away, but, you know, there are no time limit.","start":3289.9248,"end":3294.825,"sentiment":"neutral","sentiment_score":-0.06910036480985582},{"text":"Yeah.","start":3315.845,"end":3316.325,"sentiment":"neutral","sentiment_score":-0.005202770233154297},{"text":"Yeah.","start":3316.325,"end":3316.565,"sentiment":"neutral","sentiment_score":0.021809883415699005},{"text":"That's great.","start":3316.565,"end":3317.125,"sentiment":"neutral","sentiment_score":0.23988324403762817}],"sentiment":"neutral","sentiment_score":-0.02841737341608793,"num_words":63,"start":3275.9402,"end":3317.125},{"sentences":[{"text":"I can get one in from the price office, can't I?","start":3317.125,"end":3319.385,"sentiment":"neutral","sentiment_score":0.09607767449183897},{"text":"If I don't go to a Yep.","start":3320.005,"end":3352.705,"sentiment":"neutral","sentiment_score":0.019026808839823522},{"text":"That sounds good.","start":3352.705,"end":3353.425,"sentiment":"positive","sentiment_score":0.45106353362401325},{"text":"Thank you so much for that.","start":3353.425,"end":3354.705,"sentiment":"positive","sentiment_score":0.5557794620593389},{"text":"And if I don't talk to you before you have the baby, who was I for the baby?","start":3354.705,"end":3358.0051,"sentiment":"neutral","sentiment_score":0.09719503774411148}],"sentiment":"neutral","sentiment_score":0.16949822519802385,"num_words":45,"start":3317.125,"end":3358.0051},{"sentences":[{"text":"Right?","start":3358.0652,"end":3358.5652,"sentiment":"neutral","sentiment_score":0.06275556981563568},{"text":"Okay.","start":3370.04,"end":3370.2,"sentiment":"neutral","sentiment_score":0.04996922239661217},{"text":"We should schedule the call back in September instead of yeah.","start":3370.2,"end":3373.9,"sentiment":"neutral","sentiment_score":0.04834402894431895},{"text":"Yeah.","start":3376.865,"end":3377.365,"sentiment":"neutral","sentiment_score":0.07177351415157318},{"text":"You probably do that, and then you probably go to labor, like, August.","start":3377.665,"end":3380.405,"sentiment":"neutral","sentiment_score":0.053175863738243394}],"sentiment":"neutral","sentiment_score":0.05213217975364791,"num_words":27,"start":3358.0652,"end":3380.405},{"sentences":[{"text":"Yeah.","start":3385.025,"end":3385.525,"sentiment":"neutral","sentiment_score":0.008634143508970737},{"text":"Yeah.","start":3387.425,"end":3387.925,"sentiment":"neutral","sentiment_score":0.005492068827152252},{"text":"Yeah.","start":3390.52,"end":3391.02,"sentiment":"neutral","sentiment_score":-0.0031510423868894577},{"text":"Yeah.","start":3397.32,"end":3397.82,"sentiment":"neutral","sentiment_score":0.06821170449256897},{"text":"I'll talk to you when you get back.","start":3403.8,"end":3405.24,"sentiment":"neutral","sentiment_score":0.04212770564481616}],"sentiment":"neutral","sentiment_score":0.034684043300027646,"num_words":12,"start":3385.025,"end":3405.24},{"sentences":[{"text":"Yeah.","start":3405.24,"end":3405.705,"sentiment":"neutral","sentiment_score":0.06736330687999725},{"text":"Then tell me all about how much of it you haven't had.","start":3405.865,"end":3408.445,"sentiment":"neutral","sentiment_score":0.0427138302475214},{"text":"Yeah.","start":3410.8252,"end":3411.3252,"sentiment":"neutral","sentiment_score":0.14135178923606873},{"text":"You too.","start":3418.817,"end":3419.2168,"sentiment":"positive","sentiment_score":0.4659910053014755},{"text":"Thank you so much.","start":3419.2168,"end":3420.097,"sentiment":"positive","sentiment_score":0.7650191187858582}],"sentiment":"neutral","sentiment_score":0.23566697724163532,"num_words":20,"start":3405.24,"end":3420.097},{"sentences":[{"text":"I'll chat to you later.","start":3420.097,"end":3421.1567,"sentiment":"positive","sentiment_score":0.35891036689281464},{"text":"Bye.","start":3423.2969,"end":3423.7969,"sentiment":"neutral","sentiment_score":-0.10634471476078032}],"sentiment":"neutral","sentiment_score":0.28136785328388214,"num_words":6,"start":3420.097,"end":3423.7969}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Renee. This is Veronica from Financial. How are you?\n\nChannel 1: Hi, Veronica. I'm good. Thank you. How are you?\n\nChannel 0: Good. You can hear me okay now?\n\nChannel 1: Yeah. I can hear you, but you're very quiet. My my car's on maximum volume, and it sounds like you're across the room.\n\nChannel 0: Let me have a look at my microphone just to make sure it's all up for you. I have it on Max now as well. Can you hear me any better? Okay. I'll I'll try to be a bit louder louder for you, and I'll just have to apologize for my colleagues if I'm yelling.\n\nIf you can't hear me, though, just just let me know, and I'll, yeah, I'll I'll try my best. I do have you booked in for your interview. Now is still a good time?\n\nChannel 1: Yeah. Yeah. Yeah. I'm just driving around to a couple of inspections, but they just left vacant land. So I'll just\n\nChannel 0: Yeah.\n\nChannel 1: jump out to take photos with you. I'll take the fact with me, but I won't be with anyone.\n\nChannel 0: No. Okay. Perfect. If you do need to just wait a minute or two, just let me\n\nChannel 1: Yep.\n\nChannel 0: know. Yeah. Perfect. Now I have to send you an email as well. So later when you have a bit more time, just have a look through them.\n\nIf you then have any questions, you can just let me know. But, otherwise, I'll be happy to run through them with you now. And, yeah, like I said, any questions, you can always give me a callback later when you have a bit more time.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Perfect. Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really.\n\nChannel 1: Yeah. I don't really pay attention to anything.\n\nChannel 0: Yep.\n\nChannel 1: Your office just called and said that we need to do an interview, and I said, oh, okay. Like, I don't really I kept the emails every now and again, like, about, like,\n\nChannel 0: Yep.\n\nChannel 1: the trade summary or something, and I\n\nChannel 0: Yes.\n\nChannel 1: don't understand that. Like, I\n\nChannel 0: Yeah.\n\nChannel 1: look at the I don't open it in, like, a web browser. I just, like, walk in to\n\nChannel 0: Yeah.\n\nChannel 1: my email before we get to a random folder.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But, yeah, I don't really have any questions. Like, is it going good?\n\nChannel 0: No. No. No. That's and that's totally fine. That's usually what the review is about as well.\n\nSo some people have, you know, specific things they wanna focus on or areas they'd like to address. So depending on what's changed in their life, then I'll focus more on those. But most of the time, to be fair, people are just like, no. Nothing major. Like, just to see what's happened.\n\nAnd it's a good kind of check-in point. And the purpose as well is to see, you know, if there is anything major that has changed in your life, if you need to tweak and change the advice. Because it's one of those things we don't wanna just, like, say and forget because things are always changing, market's always changing, which has been a lot\n\nChannel 1: Yep.\n\nChannel 0: in the last twelve months as well. So it's a good checking point just to make sure that advice is still appropriate for you, but then also to give you a bit of a check-in to see, you know, where things are at, where's insurance is, how's super, and everything like that. So, yeah, it's a bit of a checking point, but what I'll do then is I'll just kinda first go through a bit of an updated fact sign with you there, Renee, just to see if there's anything that has changed, if we do need to make any tweaks and changes. So just kinda bear with me as I run through this information here. Now when it comes to your personal information, I have you down here as single with no financial dependent.\n\nIs that still correct?\n\nChannel 1: Yes. That's the alright.\n\nChannel 0: Yep. Perfect. Now it doesn't look like I have a next of kin on file for you. So in the event that something were to happen and we can't get in touch with you, who is someone that we could call, and that can be anybody?\n\nChannel 1: I don't really know.\n\nChannel 0: No.\n\nChannel 1: My dad\n\nChannel 0: It\n\nChannel 1: was,\n\nChannel 0: it\n\nChannel 1: but he passed away and my sister's number. So, I mean, you could try her. We can put her\n\nChannel 0: uh-uh.\n\nChannel 1: down,\n\nChannel 0: Yeah.\n\nChannel 1: but you might\n\nChannel 0: Yeah.\n\nChannel 1: have to try her a couple of times.\n\nChannel 0: And and that is fine because if it is it's only in the event of, like, you go completely MIA and we can't get in touch with you just to make sure you're okay and stuff. And and if that's the case, we would we would definitely get in touch with her a couple of times. But then also, like, send her an a text message or, you know, leave a voice message if she knows it's us and not just the spam. So that is fine. Now what is her name, please?\n\nChannel 1: Melissa, m e l I, s s, a.\n\nChannel 0: Perfect. And same last name as you?\n\nChannel 1: Yeah. Same last\n\nChannel 0: Yeah.\n\nChannel 1: name.\n\nChannel 0: Now do you know her best contact number by any chance?\n\nChannel 1: Yeah. It's 0416\n\nChannel 0: Yep.\n\nChannel 1: 406464.\n\nChannel 0: Four 0464. That's a pretty easy number. A lot of sixes and fours.\n\nChannel 1: Yeah. Oh, yeah. I'm alright.\n\nChannel 0: Now employment wise, has any of that changed for you, or it's still kind of all the same?\n\nChannel 1: Yes. Still the same. Haven't haven't\n\nChannel 0: Same?\n\nChannel 1: changed. I think.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now I have income here at around 195,000.\n\nChannel 1: Yeah. Yeah. That'll be the\n\nChannel 0: Yep.\n\nChannel 1: same. Probably\n\nChannel 0: That'd be\n\nChannel 1: higher\n\nChannel 0: the same.\n\nChannel 1: this year. I won't\n\nChannel 0: Yep.\n\nChannel 1: know till end of plan.\n\nChannel 0: Yes. Perfect. So it's nice with a little pay rise.\n\nChannel 1: Yeah. Alright. Oh, wait. It's a base. So it's not a a salary is salary is $50.\n\nI could what the difference\n\nChannel 0: Yeah.\n\nChannel 1: is.\n\nChannel 0: Oh, massive. And do you have\n\nChannel 1: Yeah.\n\nChannel 0: private health insurance as well?\n\nChannel 1: No. I've been trying to set up higher health insurance for the last couple of years, and then every time my account had mentioned it, and then I said, yeah. I need to set it up. Like, do you have any thoughts? And he\n\nChannel 0: Yeah.\n\nChannel 1: was like, oh, I can't legally give you any thoughts. Then he's like, but I do that's when he gave me your number. It's like, you know, you guys, your details,\n\nChannel 0: Yeah.\n\nChannel 1: and when I, like, started contacting you. But then when when I was when I asked about it, they were like, oh, we'll set this up, like, your account up first or whatever it was or your income insurance. So I don't know what it was. Income protection, and then we'll look at private health after, and then we can get to private health. And then when I spoke to my accountant again at last financial year, he was like, have you set\n\nChannel 0: Yeah.\n\nChannel 1: that up yet with them? And I was like, no. They said, like, we'll\n\nChannel 0: Yeah.\n\nChannel 1: set the account up first and then revisit. So we just haven't revisited it. And he was like, oh, I'll get someone else to call you from a different company. Like, that\n\nChannel 0: Yeah.\n\nChannel 1: will go through all the things, and I didn't hear from them either. I said, I don't know what the fuck is that. Anytime\n\nChannel 0: Okay.\n\nChannel 1: I look online, it's just too confusing. I'm trying to figure out what the hell, like, the difference is.\n\nChannel 0: Yeah. Yeah. Because it's one of those things. A private health insurance, we don't do. So I am sorry if someone did tell you that because it is it is personal.\n\nLike, it's different. So we obviously do your your life insurance, your sort of permanent disability income protection, and all of that. But private health\n\nChannel 1: Yeah.\n\nChannel 0: is like your general insurance. It's the same, like, kind of categorized, like, car insurance and stuff, which which we don't do. Now I can have because it's so usually so specific in terms of which which brand and stuff like that to have a look at. I'll have a look with the the team if we have it. Like, I know we had a contact when it comes to mortgage and car insurance and home and content insurance.\n\nI don't know if they do private health, though. I'll have a chat to them. And if they do, are you happy for me to pass on your contact details to them?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: They do, like, for all different companies. I'm guessing, like, if I talk to them, they're not just gonna suggest one company. It'll be, like, going through\n\nChannel 0: If\n\nChannel 1: multiple companies.\n\nChannel 0: they correct. If they\n\nChannel 1: Okay.\n\nChannel 0: do\n\nChannel 1: Yeah.\n\nChannel 0: private health, then that will be the case. I just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that. I'm sorry. Car\n\nChannel 1: Yep.\n\nChannel 0: insurance that we would refer them to. I'll have a chat to them in regards to private health and see because it is something I would strongly suggest you to look at because of your high income. So\n\nChannel 1: Oh, yeah.\n\nChannel 0: because\n\nChannel 1: Yeah. I\n\nChannel 0: of\n\nChannel 1: definitely need to get\n\nChannel 0: yes.\n\nChannel 1: set up. It's just that\n\nChannel 0: And it is a tedious\n\nChannel 1: yeah.\n\nChannel 0: thing and yeah.\n\nChannel 1: Yeah. I don't have the time really, which is why I have so much money. And then yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: thought you guys had done that. And this other guy was supposed to call me, not even from your like, when I mentioned to the account that I suggested to you guys, he was like, what do you mean that? He was like, oh, well, I know someone else that will do it. Like, I can give you a call the next week or two. And I was like, yeah.\n\nThat'd be awesome. And that was, like, July.\n\nChannel 0: That's not good.\n\nChannel 1: So\n\nChannel 0: Okay. Well,\n\nChannel 1: when I\n\nChannel 0: I\n\nChannel 1: talk\n\nChannel 0: will\n\nChannel 1: to Yeah. Like, he's gonna be like, what the hell is going on? I'm going to go. No idea.\n\nChannel 0: well,\n\nChannel 1: Obviously, they work for the bloody ATM. ATM\n\nChannel 0: what\n\nChannel 1: is stealing all me fucking money.\n\nChannel 0: well, especially, yeah, well, especially with your income. It's like you don't wanna pay any additional tax, and\n\nChannel 1: No.\n\nChannel 0: you are at\n\nChannel 1: No.\n\nChannel 0: the moment. So what I will do is I promise you I will get in touch with them and find out. And if I speak to them and they say they don't, I will send you an email so at least you know that I've followed up\n\nChannel 1: Yeah.\n\nChannel 0: and confirmed.\n\nChannel 1: And then I'll\n\nChannel 0: And\n\nChannel 1: I'll\n\nChannel 0: if,\n\nChannel 1: yeah.\n\nChannel 0: yes,\n\nChannel 1: And\n\nChannel 0: and\n\nChannel 1: then I\n\nChannel 0: if\n\nChannel 1: can\n\nChannel 0: they\n\nChannel 1: advise someone to help out.\n\nChannel 0: exactly. And if they don't, I'll see if they know someone who does.\n\nChannel 1: Yeah.\n\nChannel 0: And that way, there's at least a contact. Hopefully, the person I do know that like I said, we've done a lot with, like, car loans and home and content insurance and stuff. They would do it because it kind of falls in the same category. But if not, I will see if I can, yeah, find someone a contact for you at least. And if I can't, I will send you an email regardless just letting you know that I have tried my absolute best to find a contact so that you at least know.\n\nChannel 1: Yeah. Yeah. That'd\n\nChannel 0: Yeah.\n\nChannel 1: be awesome. Thank you.\n\nChannel 0: Perfect. No. Definitely. And, obviously, hopefully, before the end of the financial year as well. Sorry.\n\nI was trying to get on that as soon as possible.\n\nChannel 1: Not\n\nChannel 0: Otherwise, health and lifestyle wise, any changes or it's all the same?\n\nChannel 1: Yeah. I think all the same. What what was\n\nChannel 0: Yeah.\n\nChannel 1: what what was, like, change? What's\n\nChannel 0: Yeah. I have you down here as a smoker with no medications, like, no significant health issues. Yep.\n\nChannel 1: Yeah. That's all the stuff. I haven't\n\nChannel 0: Yeah.\n\nChannel 1: quit yet. I'm pretty\n\nChannel 0: Perfect.\n\nChannel 1: sure\n\nChannel 0: No.\n\nChannel 1: when\n\nChannel 0: That\n\nChannel 1: we were off with the questionnaire, I was like, yeah. I'm quitting, like, couple months. Yeah.\n\nChannel 0: but\n\nChannel 1: Excellent.\n\nChannel 0: then life gets in the way and, you know, it happens.\n\nChannel 1: Yeah. Yeah. I mean, I I I love the buying. I mean, that's good. Just\n\nChannel 0: That's\n\nChannel 1: not\n\nChannel 0: great.\n\nChannel 1: as good as\n\nChannel 0: Yeah.\n\nChannel 1: yeah. One thing's a bonus.\n\nChannel 0: One thing one thing at\n\nChannel 1: Yeah.\n\nChannel 0: a time. I can't do everything.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: And when it comes to assets and liabilities,\n\nChannel 1: No.\n\nChannel 0: I have here that your property was last died at about $7.50. Is that still roughly the case, or do you know if that's gone up a little bit?\n\nChannel 1: Yeah. Yeah. Definitely went off because I had a valuer valuer last started last year for $9.60 or something, so I put a pull in. And then I\n\nChannel 0: Oh,\n\nChannel 1: was\n\nChannel 0: nice.\n\nChannel 1: talking to I'm a I'm a valuer myself. Like, I value property\n\nChannel 0: Yeah.\n\nChannel 1: for banks. So I was talking to an agent the other day about the market where I live, and he was like, oh, you have to probably be around the one one one mark. So\n\nChannel 0: Oh, wow. Alright.\n\nChannel 1: yeah.\n\nChannel 0: I'll update that through about one one. That's nice. That's a nice low increase.\n\nChannel 1: Yeah. Yeah. Oh, you're right.\n\nChannel 0: And I have mortgage about 674,000.\n\nChannel 1: Should be $7.30 because I pulled money out to put\n\nChannel 0: Yep.\n\nChannel 1: some money to walk my pool and solar\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: screens.\n\nChannel 0: Yes. Do a bit of a\n\nChannel 1: Yeah.\n\nChannel 0: upgrade. No. That's good. And, also, do you have the motor vehicle by that about 15,000 still as well?\n\nChannel 1: Yeah. I think it's dropped, though,\n\nChannel 0: Yep.\n\nChannel 1: because, like, obviously, I drive so much because the kilometers are up. So I don't know how much that'd be worth. I imagine it'd be somewhere between the 10 to 15, but maybe not\n\nChannel 0: Okay. I'll\n\nChannel 1: four\n\nChannel 0: leave\n\nChannel 1: to 15.\n\nChannel 0: it with my\n\nChannel 1: But\n\nChannel 0: tenant.\n\nChannel 1: it's off, so I don't know if that makes\n\nChannel 0: Yeah.\n\nChannel 1: a difference.\n\nChannel 0: And it's one of those things as well usually depreciates cars, unless it's like a special classic car or something fancy.\n\nChannel 1: Yeah. No. She's just a carrier.\n\nChannel 0: Yeah.\n\nChannel 1: She's classic to me.\n\nChannel 0: Yeah. Exactly. And, otherwise, I have savings about 17,000.\n\nChannel 1: I think I have, like, 32 or $33 in savings at the moment.\n\nChannel 0: Beautiful. 33. Now any other new assets in the last twelve months? Any boats or motorbikes or something else?\n\nChannel 1: No. I bought a dog. Sorry.\n\nChannel 0: No?\n\nChannel 1: Because I was like, yeah. She\n\nChannel 0: Oh,\n\nChannel 1: was only\n\nChannel 0: that's\n\nChannel 1: $4.\n\nChannel 0: nice. Nice. What\n\nChannel 1: Yeah.\n\nChannel 0: kind of?\n\nChannel 1: Yeah. Right. It's like a beetle to\n\nChannel 0: Oh,\n\nChannel 1: match\n\nChannel 0: nice.\n\nChannel 1: the other one. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Oh,\n\nChannel 1: No. No.\n\nChannel 0: fuck.\n\nChannel 1: That's what I think. So\n\nChannel 0: No. No. Perfect. And any other liabilities?\n\nChannel 1: No. Just\n\nChannel 0: No?\n\nChannel 1: like price\n\nChannel 0: Perfect.\n\nChannel 1: mortgage\n\nChannel 0: Yep.\n\nChannel 1: over the rest of the stuff.\n\nChannel 0: Just just the same. Yep. No. That's yeah.\n\nChannel 1: I mean, considering getting a new car, so that'll might change in the next couple of months, but I'm guessing I'll\n\nChannel 0: Okay.\n\nChannel 1: just let you guys know what the changes.\n\nChannel 0: Yep. Yeah. Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That'd be good. Otherwise, when it comes to estate planning wise, do you have a will in place?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Or anyone who makes any financial decisions on your behalf at all?\n\nChannel 1: No. I don't think if anyone\n\nChannel 0: Nope.\n\nChannel 1: has, like, the brain capacity in my life to be able to do that.\n\nChannel 0: That is\n\nChannel 1: So\n\nChannel 0: totally fair. Leave it with\n\nChannel 1: yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: And when it and when it comes through beneficiary, so if something ever were to happen to you, because I can see here that your for your super and your insurances, we don't have a nomination on file. Do you have someone you would like to make sure that the funds go through if something were to happen to you? Have you thought\n\nChannel 1: So I\n\nChannel 0: much\n\nChannel 1: think I\n\nChannel 0: about\n\nChannel 1: just thought\n\nChannel 0: it?\n\nChannel 1: we had to last time is I was like, oh, yeah. I'll get him to go to my dad, and then you guys like,\n\nChannel 0: Yep.\n\nChannel 1: no. You can't do that. And I said, I'll get him to my sister and you guys are like, no. It can't be a family member or something.\n\nChannel 0: Yes and no. It definitely can be for sure. It's\n\nChannel 1: Yep.\n\nChannel 0: just a different way of setting it up. So because there's so many clients where it's like, well, if you don't have a partner or financial dependence or\n\nChannel 1: Yeah.\n\nChannel 0: you just choose like, so many people give it to their brothers or sisters or cousins or nephews and nieces to super comment or parents or a friend or non for profit. You can definitely do it. It is just a different way of setting it up. So to make it directly through super because of the CIS Act, it has to be a spouse, a child, financial dependent, or someone that you are in an interdependency relationship, which essentially is just someone who must be financially dependent on you at the time of your passing, you know, live together, providing support, and stuff. So a lot of people don't fall into this category.\n\nSo the way\n\nChannel 1: Yes.\n\nChannel 0: through go around it is that on the actual form, you would say that you want a 100% nominated through your legal personal representative. What that would then mean is that it reversed it back to your will. So downside is you do have to then get a will set up. But then in the will, you can stay for, like, whoever you want. So that could be your dad could have been your dad.\n\nSorry. Your your sister, friends. It can be anybody, whoever you want. So it would then definitely still go to them. The reason you have to do it this way is because your super and insurances does not form part of your state automatically.\n\nSo you wanna avoid the trustee of the super insurance to determine where things go if something ever were to happen to you. So it is a little bit more painful having to do it through the world, but then at least that way, it's airtight of who we will go through. So we can definitely do. If you don't do anything, what could happen is the trustee can make a decision, and they could determine someone that they think is suitable, but you could also have people trying to make a claim. So if there's ever a ex partner or if there's a dispute within the family or if I don't know if you have multiple siblings, they can\n\nChannel 1: Yeah.\n\nChannel 0: fight over what goes to whom. So it could then cause issues\n\nChannel 1: Yeah.\n\nChannel 0: and people trying to make a claim where that's not who you would actually want it to go to. So that will be kind of the risk why not having anything.\n\nChannel 1: Yeah. Okay. That makes sense. Yeah. I should probably do something then.\n\nI've got both\n\nChannel 0: Yeah.\n\nChannel 1: claims and a crazy mom.\n\nChannel 0: Yeah. And that's you don't want then and that's often what can happen. And sometimes, unfortunately, when families do pass away, it brings out sometimes the worst of people when it comes to money. So yeah. So would you do you have access to a printer or not really?\n\nChannel 1: No. I,\n\nChannel 0: Nope.\n\nChannel 1: do you have a good job, but this doesn't really work.\n\nChannel 0: No. That's okay. So what I will do, Renee, is I will get the team to repost these forms to you. Sorry. Can you hear me?\n\nYes. I will post them to you. That way you have them, and then have a think about it. You can always just complete these forms anyway without a will for now. That way it's enforced, and you don't ever have to change it.\n\nAnd then when you do get your will, you don't have to contact us on changing these forms. And if there's ever any changes to who you wanna nominate, you can just update the will because these form stays in place so you can assess the will. Then you can update the will however many times you want.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. That's not easy.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know\n\nChannel 0: Sorry.\n\nChannel 1: what the hell I was just I just I think you guys sent me out forms last time, but I don't know what it was. It wasn't explained what's down to me. It was\n\nChannel 0: Yeah.\n\nChannel 1: essentially,\n\nChannel 0: Okay.\n\nChannel 1: I think I picked someone in and I was like, what the hell who do I pick? And then\n\nChannel 0: Oh, yeah.\n\nChannel 1: I\n\nChannel 0: Eight\n\nChannel 1: end up\n\nChannel 0: yeah.\n\nChannel 1: I don't even know who it was. I I think it was\n\nChannel 0: Okay.\n\nChannel 1: like a phone shadow or something like that. And I was like, oh, I don't know why I was\n\nChannel 0: No. Yeah. No. And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from. So I can get the team to prefill this for you if you would like.\n\nBut because you are making a nomination, you would just have to obviously sign it and get a witness yourself. But I can get a prefill\n\nChannel 1: Yeah.\n\nChannel 0: based on what you want today, so I can prefill it through the will. Now there are two different types of nominations otherwise, which you can have a binding or a nonbinding option.\n\nChannel 1: Oh,\n\nChannel 0: Basically,\n\nChannel 1: it's\n\nChannel 0: what\n\nChannel 1: a binding\n\nChannel 0: it means\n\nChannel 1: number.\n\nChannel 0: yeah. So a binding means that it's basically bound, so the trustee of your superinsurance are bound to follow your wishes. So that gives you the most amount of certainty. And nonbinding means that you say, this is what I want to have happen, but at the end of the day, they can then choose where they wanted to go. Which one would you prefer?\n\nYes. That is what most people go to binding because that gives you the certainty. No one it's the only reason you typically you would only have a nonbinding is because not every super fund allows it. But for you, they do. Sorry.\n\nSorry. Correct. Correct. It is exactly. Now you then have lapsing or non lapsing.\n\nLapsing means that every three years, you have to recomplete the form. Non lapsing means it stays in place until you decide to change it.\n\nChannel 1: Other non matching.\n\nChannel 0: Non laxity. Yeah. Again, that's what most people would choose so you don't have the hassle, especially with the will, because if anything change, you could just update the will. Yes. Oh, careful.\n\nChannel 1: More than thinking. Yeah. But yeah.\n\nChannel 0: Now I will get these prefilled for you, and I will get them reposted. And then let me know how you go. And if you do end up getting a will and if it's not through a lawyer, if you just do, like, a will kit yourself or something like that, if you would like us to keep a copy on file, you can always email it to me, and then I can keep on file along with the other documents to make it easy as well.\n\nChannel 1: Yep. Yeah. Okay. Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: a good idea. With the one that you send out, there's a there's, like, a time thing on it isn't there. I remember doing this last time.\n\nChannel 0: No. Not really. Because it's just a matter of, like, you you can you can take however long you want to do the forms. That's fine. It doesn't change unless we somehow change your insurances or change your super funds.\n\nBut if not, there's no time. The only thing is, obviously, it is advised to do it as soon as possible. So if something were to happen, we have it in place. But if you take like, there's no time, it doesn't expire.\n\nChannel 1: Oh, what was that? What did I put out? Well, I was trying to you guys, and it was like a I thought it was and I I literally I filled it out, like, three times because I would when I when I spoke to you last time, though, like, you've got I think it was, like, thirty days, but because I live at least an hour from all my family. I then\n\nChannel 0: Yeah.\n\nChannel 1: have to drive down and see them, which\n\nChannel 0: Yeah.\n\nChannel 1: I couldn't just, like, drop\n\nChannel 0: No.\n\nChannel 1: And I drive down\n\nChannel 0: No.\n\nChannel 1: and get get on the phone, and then I'd come home and then I, like, would go to post it, like,\n\nChannel 0: Alright.\n\nChannel 1: a week later. And then I forget because I'd be busy, and then I go to post a week later. I'd be like, shit. I'm outside of thirty days. So you guys kept on having to send it to me, and I kept on having to do that.\n\nAnd then I was like, fuck. I don't know. I\n\nChannel 0: That's\n\nChannel 1: didn't even\n\nChannel 0: annoying.\n\nChannel 1: send it back in. I was like, well, too bad. It's it's currently sitting in my bloody pantry.\n\nChannel 0: Yeah.\n\nChannel 1: Like, the last year or whatever.\n\nChannel 0: Or no.\n\nChannel 1: Yeah.\n\nChannel 0: That is that is very strange because, no, usually, you like, if we send you the forms, if you have the form sitting at home for three months, that's fine.\n\nChannel 1: Yeah.\n\nChannel 0: If you no. I haven't really had anyone through signing anything, and they've come back and saying it's outside a time frame. That's only TPAs. Is there anything sometimes? Like, if we were doing, like, a third party authority research on the previous super fund, that sometimes has an expiry.\n\nBut these forms, no. Because, yeah, sometimes it's like, well, if I need to go and get a witness, and that can't be the person who I nominate. Like, if you because you're doing the well, it's fine, but it has to be witnessed by two people. So sometimes, you know, you don't have someone close by or I mean, you could get colleagues. You could do whoever you want, really.\n\nIt just has to be two people that witness it. But, yeah, you don't always have time for that. So, no, there's no time frame of when you have to complete them. So you can take your time. Obviously, try to do it when you have a moment, sorry, if something were to happen.\n\nBut, no, if it takes a month or two for you to send it back, that is fine. It won't expire.\n\nChannel 1: Yep. Yeah. That's all good.\n\nChannel 0: Yeah.\n\nChannel 1: I mean, I don't work in an office. I work at home. Sorry. Unless I'm,\n\nChannel 0: Yeah.\n\nChannel 1: like, getting someone off the street. I don't really know anyone\n\nChannel 0: Yeah.\n\nChannel 1: directly\n\nChannel 0: Maybe\n\nChannel 1: around.\n\nChannel 0: not.\n\nChannel 1: Yeah. I'll come in. I'll just go to\n\nChannel 0: Maybe\n\nChannel 1: my neighbor's house.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Sounds\n\nChannel 0: Trust\n\nChannel 1: like\n\nChannel 0: the\n\nChannel 1: it killed\n\nChannel 0: neighbor.\n\nChannel 1: me before I fired it.\n\nChannel 0: So, yeah, take your time or friends. So anyone, take your time. I will get them posted out through you anyway so you have them. When you get them, if you are confused, just call me, and we can always talk through it. I'll get it prefilled for you to make it easy.\n\nChannel 1: Yeah. Yeah. That'd be\n\nChannel 0: Yeah.\n\nChannel 1: awesome. Yeah. Because\n\nChannel 0: Exactly.\n\nChannel 1: I have this feeling that the last time.\n\nChannel 0: Yeah. That'll be annoying having to redo it, especially because, yeah, life gets in the way. And I know\n\nChannel 1: Yeah.\n\nChannel 0: myself\n\nChannel 1: But it's,\n\nChannel 0: with\n\nChannel 1: like,\n\nChannel 0: work\n\nChannel 1: very\n\nChannel 0: and stuff.\n\nChannel 1: dog. You know? It's like random words, and I'm like, well, if I pick the wrong one, I just yeah.\n\nChannel 0: And then you'll wanna you don't wanna have to redo it again. So I'll get it prefilled. And\n\nChannel 1: Yeah.\n\nChannel 0: that way, you just have to sign it and date it, and that's all you have to do. Yeah. Perfect. Now, otherwise, I guess, kind of goal stuff that you are working towards, it's always good time as well during annual review to do a bit of a check-in to be like, okay. Well, what actually happened in the last twelve months?\n\nDid I achieve what I wanted to, or is that, like, a more of a long term goal? So I know that when you spoke to, I think it was my colleague, Dana, that you spoke to last time, your main focus was to reduce debt on your mortgage, put a pull in, which you obviously have, and then potentially upgrade the car within the next couple of years, which I know you kind of mentioned is still the goal with the car. But is that still kind of, like, your focus otherwise through reduced debt on the mortgage? Would you have any other specific goals you're working towards?\n\nChannel 1: No. Just the mortgage and\n\nChannel 0: Mortgage.\n\nChannel 1: the car and,\n\nChannel 0: Yep.\n\nChannel 1: I don't know, having some kids at some point before I'm, like, too old, but that's not anything you guys can help me with.\n\nChannel 0: That's the future\n\nChannel 1: But\n\nChannel 0: thing.\n\nChannel 1: yeah. I mean, I've gotta I was getting all I have to, like what do you call it? Pull money out to freeze eggs or something. Are you supposed\n\nChannel 0: Yeah.\n\nChannel 1: to freeze eggs by the time you're, like, 30 or something? I'm pretty sure.\n\nChannel 0: But to be fair, it's like nowadays, it's like everyone is getting it later. And it's, like, maybe oversharing, but I'm 32, and I'm pregnant at the moment. And we happen\n\nChannel 1: Oh,\n\nChannel 0: on the\n\nChannel 1: that's\n\nChannel 0: first go.\n\nChannel 1: okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: so, you know, it's not all about that, and\n\nChannel 1: But\n\nChannel 0: everyone\n\nChannel 1: yeah.\n\nChannel 0: was\n\nChannel 1: Well,\n\nChannel 0: telling\n\nChannel 1: I\n\nChannel 0: me the\n\nChannel 1: I\n\nChannel 0: same.\n\nChannel 1: hear\n\nChannel 0: It's\n\nChannel 1: that\n\nChannel 0: like,\n\nChannel 1: you\n\nChannel 0: oh\n\nChannel 1: then\n\nChannel 0: my god.\n\nChannel 1: before we just have two\n\nChannel 0: Yeah.\n\nChannel 1: ladies at our work. One of them has had to give up, and she's only 34. That's done, like, six or seven rounds of IVF that haven't,\n\nChannel 0: Yeah.\n\nChannel 1: like, set at work and then haven't stuck. And\n\nChannel 0: Yeah.\n\nChannel 1: then one of the other ladies, she's only 31 or 32\n\nChannel 0: Yeah.\n\nChannel 1: married, and she had been trying for the last three years with her, like, childhood sweetheart. Couldn't\n\nChannel 0: Yeah.\n\nChannel 1: have kids. Went through IVF. Did, I think, 10 or 11 rounds or something. And then\n\nChannel 0: Yeah.\n\nChannel 1: her last round was in the last year and she worked. She was like, that was\n\nChannel 0: That's\n\nChannel 1: the only\n\nChannel 0: correct.\n\nChannel 1: that was our\n\nChannel 0: Yeah.\n\nChannel 1: last chance. Oh my god. That's so young. I'm\n\nChannel 0: Yes.\n\nChannel 1: 31. I'm 33 or something.\n\nChannel 0: And yeah. And it's hard because it's I mean, you're hearing it as well, and I think a lot of it is also, like, there's a lot of external factors and stuff. And, obviously, I'm not a health profession, so I don't know. But, obviously, lifestyle and everything like that, yeah, plays a role in one of my my best friend, she's 38, and they they just, you know, turned pregnant, and it was fun. But then I also have some other friends who are, like, late twenties, and they've been trying for years.\n\nSo it's like I think people try to scare you a lot by being like, oh, you have to do it, but it's like it's so everyone gets kids later in life because you wanna, you know, you wanna have a career. You wanna have your job. You wanna have stability. You wanna have a house. And it's like, that can't happen by the time I'm 25.\n\nLike, it just won't. So exactly. So it you know, everyone's different, but I wouldn't stress too much because, yeah, you are you're you're younger than me, and everyone's different, but I wouldn't and sometimes stressing about it through as much as you do, it makes it worse. Yes. Because then you constantly put the pressure.\n\nYou know? So I wouldn't stress if I were you anyway. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And it's very individual. But but, yes, I don't know if that helped him any worse. But\n\nChannel 1: Yeah. No. No. That's not how.\n\nChannel 0: yeah. Perfect. Now, otherwise, Renee, I guess when it comes to your superannuation, when it comes to your risk profile so I know you did a pretty extensive risk profile questionnaire with Dana last time, so I won't go through all of those questions with you again. But, essentially, we have you invested in a growth portfolio. Now just a little recap for you.\n\nTypically, when it comes to a growth portfolio, like a growth investor, what we would call it, is tailored for people who are looking at getting as much growth as you can out of out of your superannuation while you do have, you know, plenty of time until retirement. At the same time, someone who are comfortable seeing a bit of fluctuations in the market in order to achieve that growth long term. So short term will be some fluctuations. Some years might not be as great as others. But over the long term, the focus is then to tryna get as much growth as possible to take advantage of those kind of ups and downs and mark special, like, market niches, if that makes sense.\n\nYep. And when it comes to an actual asset allocation, so how your money is invested, we typically see 80% in what we call your growth assets. So this will be things like Australian shares, international shares, property, and commodities, and that is what's going to give you that growth. But then we also wanna have some defensive to limit fluctuations a little bit, and we have about 20% of that. So that will be, like, your cash, your gold, your fixed interest, for example, to limit fluctuations a little bit.\n\nAnd just for your reference, when we're talking about a time frame, because that's also important, making sure you have enough time in the market. Because the the closer you get through a time and later, then that's when you wanna start slowly reducing that risk. Because if you wanna access your money tomorrow, you don't want that to be a bit of a dip. So making sure we have enough time. So in a growth portfolio, we wanna allow minimum six years to retire.\n\nSo from a time frame, you are certainly have the time behind you.\n\nChannel 1: Yeah.\n\nChannel 0: As long as that are you still comfortable with the level of risk and a growth portfolio? Are you still happy with all of that? Has any of your risk tolerance changed, or is it all kind of the same?\n\nChannel 1: Yeah. I don't know. Still with the bay. I don't\n\nChannel 0: No.\n\nChannel 1: really see much of a difference here. I'm just I'm just\n\nChannel 0: Yeah.\n\nChannel 1: gonna jump out of the car and take a photo of the block of land. I'll just be one sec. Just because some guy's\n\nChannel 0: Yes.\n\nChannel 1: about to park on it. Just give me\n\nChannel 0: All\n\nChannel 1: one second.\n\nChannel 0: good.\n\nChannel 1: Yeah. It's just the original owner. Yeah. Yeah. That's bought off the developer.\n\nThey just haven't built on it. I've done it three times in the last couple of weeks with different banks. So I think they're just switching banks to before they start building. So they should start building in the next couple of months. Yeah.\n\nYeah. It's getting crazy. Yeah. Alrighty. Oh, funny.\n\nNo. I'm okay.\n\nChannel 0: Thought it's okay.\n\nChannel 1: They got, yeah, he's like, oh, I said, who's bought it? Is it already sold? It's not even on the market. Like,\n\nChannel 0: Just\n\nChannel 1: you\n\nChannel 0: calm\n\nChannel 1: park\n\nChannel 0: down,\n\nChannel 1: your\n\nChannel 0: buddy.\n\nChannel 1: damn trucks on it. I don't think anyone's gonna wanna buy it. The block's absolutely ruined.\n\nChannel 0: Oh, really? That's\n\nChannel 1: That's\n\nChannel 0: annoying.\n\nChannel 1: so funny. Yeah. It says, like, dumped all the rubbish, like and then they backed their cars off, put their parking down to three three of their work cars and then trailers.\n\nChannel 0: Maybe you\n\nChannel 1: So\n\nChannel 0: should have said, no. Someone has just bought it to stop parking there, please.\n\nChannel 1: yeah. Oh, that's why I mentioned that they're gonna start building in the next couple months. So\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: So stop it.\n\nChannel 1: you're the.\n\nChannel 0: Oh, that's annoying. That's annoying.\n\nChannel 1: But those are people that care. Like, I don't know if you live anywhere near, like, a Grace Corridor where there's vacant blocks of land, but the\n\nChannel 0: Yes.\n\nChannel 1: the yeah. That is, like, people just dump all their rubbish on it on\n\nChannel 0: Yeah.\n\nChannel 1: the land.\n\nChannel 0: Well, there's\n\nChannel 1: I'm\n\nChannel 0: heat\n\nChannel 1: like,\n\nChannel 0: up\n\nChannel 1: what\n\nChannel 0: in,\n\nChannel 1: are you doing?\n\nChannel 0: like, on on the Gold Coast. Obviously, you are a little bit further up, but I live more like Pacific Pines and stuff. And even where, like, Sandgate\n\nChannel 1: Oh, yeah.\n\nChannel 0: no. No. Sandgate. Where just off the highway, they are, like, building heats. Morongari or something at the back of there.\n\nYes. Sky Ridge. Yeah. And even, like, when they started there, it was kind of, like, the same because there's, like, mass building. It's happening, and it's like, yeah, sometimes you just say and even, like, over in Sanctuary Cove.\n\nNo. No. Yeah. And, like, sometimes as well there, you see that, yeah, these blocks of land, and people are just, like, dumping things in parking cars, and you're just like, that's just a bit rude.\n\nChannel 1: Yeah. It's crazy. I was next to a vacant block of land. Like, I was one of us because it's mine's a newer new house. And people next to me haven't built on this, but because, like, the people next to me hadn't built on\n\nChannel 0: Yeah.\n\nChannel 1: this, and then the people that was directly behind them hadn't built on theirs either. So it was just, like, two vacant blocks of land backing onto each other with no fence in the middle. So people and to get to the street behind us, you had to, like, go up my street and then around, like, a loop and then go into that street. So people were\n\nChannel 0: Yeah.\n\nChannel 1: just using, like, my front yard of my grass to, like, pull their car up onto the curb onto my grass, drive along my grass, and then turn left before this, like, tree thing onto the vacant\n\nChannel 0: Oh.\n\nChannel 1: land and then drive through both vacant block the land down onto the street behind instead of just\n\nChannel 0: No.\n\nChannel 1: driving up the street.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway, I there's not much I can really do about it, but they broke, like, my irrigation system, obviously, because they're driving\n\nChannel 0: Oh,\n\nChannel 1: over it. Yeah. Annoying\n\nChannel 0: that's\n\nChannel 1: hay. Anyway and\n\nChannel 0: it's it's so bad.\n\nChannel 1: yeah. Yeah. They they don't really care, like, these people.\n\nChannel 0: No.\n\nChannel 1: Like, it's now that the people that are behind them, like, behind the vacant block on their land next to me, they've built on theirs and put a fence up. So people can't do that now. But now it's because, like, it's semi secluded, like, the vacant block of land beside me with all the fencing around except for the front boundary fencing. People just\n\nChannel 0: Yeah.\n\nChannel 1: drive their cars up and just, like, dump all their rubbish.\n\nChannel 0: No.\n\nChannel 1: So I'm like, it's just so silly. Like, I don't\n\nChannel 0: Just\n\nChannel 1: understand\n\nChannel 0: inconsiderate.\n\nChannel 1: how people do that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Just like, what\n\nChannel 1: Yeah.\n\nChannel 0: if it was your land? Like, would you do that? No.\n\nChannel 1: Yeah. Yeah. Because the owners have to pay to get rid of it, like, when they build on it. You've gotta actually\n\nChannel 0: Yeah.\n\nChannel 1: pay to get rid of that concrete. Do you know how expensive it it is to get rid of concrete off your block of land? You've gotta come pay someone to actually, like, full blown jackhammer it or bring out a, what do you call it, machine.\n\nChannel 0: I can\n\nChannel 1: Because\n\nChannel 0: imagine.\n\nChannel 1: you can't\n\nChannel 0: And\n\nChannel 1: pull it\n\nChannel 0: it's\n\nChannel 1: up.\n\nChannel 0: heavy.\n\nChannel 1: It's got\n\nChannel 0: It's heavy too.\n\nChannel 1: yeah.\n\nChannel 0: So it's like,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: oh,\n\nChannel 1: It's\n\nChannel 0: that's\n\nChannel 1: silly.\n\nChannel 0: that's really\n\nChannel 1: Hey.\n\nChannel 0: annoying.\n\nChannel 1: Anyway, I'm a\n\nChannel 0: Hopefully, you\n\nChannel 1: little\n\nChannel 0: don't have it. Hopefully, you don't\n\nChannel 1: ran.\n\nChannel 0: have too many more to go evaluations or photos to take of land. So\n\nChannel 1: Yeah.\n\nChannel 0: we're we're\n\nChannel 1: No.\n\nChannel 0: almost\n\nChannel 1: I'm already tired.\n\nChannel 0: okay. Perfect. We're\n\nChannel 1: Yeah.\n\nChannel 0: almost finished. So what I the documents I mentioned earlier is I have send you send you through them. So have a look at them when you have a moment. Now what you will see in the email so when you do have a moment, when you click on the email, it will say sign now. Before you press sign now, at the bottom of the email, you'll see a couple of attachments.\n\nThat is just for your reference. So you will see two\n\nChannel 1: Okay.\n\nChannel 0: documents that's called financial services guide and services guide. Now they are just kind of your compliance documents. It gives you all the important information in regards to us. Nothing has changed. Every time we do make a bit of an update, we'll send you a new one just for your reference, but none of the important information has changed.\n\nNow when you do have a look at it, you will, however, see photos of the the team directors, advisers. You will see myself in there if you do wanna put a face to the voice,\n\nChannel 1: Yeah.\n\nChannel 0: and it's all in there for you. Now, otherwise, you will see a super and insurance summary document, and that just basically gives you a bit of a rundown of where things are at. So at the moment, you have your super with hub 24, and you have a $139,294 in there. Now\n\nChannel 1: Okay. I'll send it back. Okay.\n\nChannel 0: yeah. Now you also have insurances with Neos. So I'll try to make it easy because you have a bit of insurances. Now you have inside super, you have your life and total permanent disability insurance. Now at the moment, you are insured for 1,319,850.\n\nChannel 1: Okay.\n\nChannel 0: Are you still happy with that level of cover, or what are your thoughts on your insurances?\n\nChannel 1: Yeah. That sounds what was that? Full disability and\n\nChannel 0: Sorry. For life, if you were to pass away, but then the biggest one is your total permanent disability. So that is something were to happen to you, and you could never go back to work again, which would obviously have a pretty substantial financial impact, especially being quite far from retirement. So the 1.3 mil, when I do have a look at when you spoke to Dana and you got the insurances put in place, it would pay off your mortgage completely so that, obviously, you're debt free, and then also cover your income after tax for just over five years. So that would give you a bit of a lump sum.\n\nSo, obviously, there might still be a bit of a gap, but the more insurance you have, the more expensive it is as well. So 1.3 is pretty good at least for it will pay off the the the debt on the property and cover your income if something were to happen for a while.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Well, what's is that usually, like, where it's sitting for other people?\n\nChannel 0: It is one of those things that is so personal because it depends on their situation, but also their contributions is a big thing. So because we also wanna make sure that your contributions are completely eroded by the insurances. So for you, you have the capacity from a contribution wise to have a bit more cover in place to give you that. If something were to happen, a lot of other people might not. So we generally tend to work of about a 30% ratio where we don't want we we wanna make sure that your student continues to grow by still making sure you have cover in place.\n\nNow some people, their main focus is I just care about paying out the debt. That's it. I'm happy. Some people go, no. I have small kids, for example.\n\nI wanna make sure I cover private schools if something were to happen. Or, you know, my partner's not working, so I need to cover their you know, if something were to happen, it's all on me. So it is very individual. But for your reference, just so you can see price as well, so for your life and CPD at the moment, as well as your income protection. So the income protection is if you were temporarily unable to work, and it will pay you a monthly amount of 10,097.\n\nSo pretty good there. Thirty day waiting period, so one of the shortest one, and then a five year benefit period, which is somewhere in the middle with how long you could be on claim for. Now\n\nChannel 1: Yes.\n\nChannel 0: all those threes are after tax, six thousand two hundred and sixty five. So if you want more cover, it will be more expensive. It's pretty good from where you are at in terms of covering, but then some people go, oh, I don't wanna pay that much, or I don't think I need that much. I just want my mortgage. But then you don't have extra if you need to make modifications to your home or, you know, whatever it might be.\n\nSo it's quite individual to what your goals are as well. So what do you do you think you'll have to be with that from for the time being with the price and what you have? Or\n\nChannel 1: I think so at the moment, and then\n\nChannel 0: yep.\n\nChannel 1: maybe revisit it\n\nChannel 0: Yeah.\n\nChannel 1: again soon. So it's currently costing me 6,265 a year. Is that right?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: When's\n\nChannel 0: we can\n\nChannel 1: the\n\nChannel 0: always\n\nChannel 1: next\n\nChannel 0: leave\n\nChannel 1: can we, like, check it back in at the end of the year, but not, like, wait till next year?\n\nChannel 0: yeah. Of course. Yes. Sorry. And it's one of those things, too.\n\nLike, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client. But we can do\n\nChannel 1: Yes.\n\nChannel 0: it way more frequently. I have some client who wants to do six monthly. Some people want quarterly. It completely depends on you. So some people\n\nChannel 1: Yeah.\n\nChannel 0: go, oh, I don't need that much. I'll let you know if anything changes, where some people really want\n\nChannel 1: Okay.\n\nChannel 0: that. So\n\nChannel 1: Yeah.\n\nChannel 0: I can even put a little reminder for the team.\n\nChannel 1: Mhmm.\n\nChannel 0: Now let me see here. End of the year. So you're thinking, like, October ish?\n\nChannel 1: Yep. Yeah. That sounds like\n\nChannel 0: Yeah?\n\nChannel 1: a good time.\n\nChannel 0: Alright.\n\nChannel 1: Not too\n\nChannel 0: I'll\n\nChannel 1: close\n\nChannel 0: make\n\nChannel 1: to Christmas.\n\nChannel 0: yeah. Exactly. I'll make a little note. Sorry. Around October, I might do, like, October.\n\nI'll get the team\n\nChannel 1: Yes.\n\nChannel 0: to reach out to you to see if you would like to revisit it. If you have a think about it and then you go, no. I wanna do it early. You can always call me whenever,\n\nChannel 1: Yes.\n\nChannel 0: and we can\n\nChannel 1: Yes.\n\nChannel 0: always push it forward. Or if we call you in October and you go, I don't really have time right now. Let's do it in another three, six months. That's fine. But I'll put a little reminder to have a little chat to you at least in October unless we hear from you before just to touch base with the insurances.\n\nOtherwise, we will leave it now, and that's all in place. Now aside from that, you also have insurances you pay for out of pocket. So you have a split, TPD and IP, so meaning you have a portion paid outside super so you can get a a couple of additional benefits and better definitions of the policy, which is great, as well as a trauma cover for covering you for traumatic events. Now you have\n\nChannel 1: Yeah.\n\nChannel 0: that. That was a tax free lump sum payment paid directly to you if something were to happen like that, and that is covering you for a 100 and\n\nChannel 1: Okay.\n\nChannel 0: 41,000. Now that is costing was that sorry?\n\nChannel 1: What's that going for? Is that, like, if I lose my leg or something that I can still, like, work? So that's traumatic?\n\nChannel 0: It's it is quite dependent on the definition of each insurer, but, typically, the biggest ones we would see are like, the ones that get paid out the most is, like, your heart attack, stroke, cancers, neurological condition. So it would be what they would call, like, your traumatic events. So if something were to happen so let's say that yeah. Like I said, the biggest ones is, like, cancers and stuff, heart attack. Because let's say, in theory,\n\nChannel 1: Yeah.\n\nChannel 0: if you have a bad heart attack, you go to hospital, but then, technically, you could be fine to go back to work within two weeks, maybe three weeks. You're\n\nChannel 1: Oh\n\nChannel 0: not\n\nChannel 1: my\n\nChannel 0: gonna\n\nChannel 1: god.\n\nChannel 0: get paid income protection because you are back at work within the waiting period. But you might want to take some time further time off. You might want to have someone come and stay with you to assist, or you might need to see a heart specialist or whatever it might be. This is when this come in really handy to give you a tax free lump sum to assist if anything\n\nChannel 1: Yes.\n\nChannel 0: were to happen. And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that. Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you.\n\nChannel 1: Okay. That's good. I mean, because\n\nChannel 0: Yeah.\n\nChannel 1: because I never needed it, but that's good to hear.\n\nChannel 0: Yes. So if anything ever happens, though, if you're unsure like, if anything ever were to happen, like, if you get a significant health, you know, injury or a diagnosis or anything and you're not sure, you can always just call me, and I can check it for you, especially that that trauma.\n\nChannel 1: Mhmm.\n\nChannel 0: But or if anything were to happen and you can't work for any period of time, again, just call me, and we'll see if we can get,\n\nChannel 1: Yep.\n\nChannel 0: you know, any insurances paid out for you. So you don't ever\n\nChannel 1: Okay.\n\nChannel 0: have to speak to the insurance directly. You can just call me, and they will will do that for you. Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for that.\n\nChannel 1: Yeah. I think it just comes out of my account.\n\nChannel 0: Yes.\n\nChannel 1: Nearly, doesn't\n\nChannel 0: Yeah. Usually, it's just yeah. Exactly. Just direct debited.\n\nChannel 1: it? Yep.\n\nChannel 0: So that is good. You do have lots of amount of cover there, which is good. Now, otherwise, in the document there in the email, you will see certificate of currency for you. It basically just breaks down the insurances I just touched on in a bit more information if you do wanna have a read over it. But, otherwise, just let you know that's all paid and and up to date.\n\nYou'll also have a Vanguard index chart. This one's here. It's just kind of been added as it is a good representation of what we are talking about when we're talking about the market. But, basically, when you have a look at it, it's a bit of a graph dating back to 1995 through to 2025. Makes more sense when you have a look at it, but it shows you kind of all the ups and downs in the market.\n\nBut overall, you will see that market always goes up long term. Short term, depending on what is going on in the world, you will have some ups and downs and market fluctuations.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And then the last document you will have is your performance report, and that basically breaks down all your individual investments and what has happened in the last twelve months. Now over the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've seen a bit on the news and everything like that as well. So\n\nChannel 1: Okay.\n\nChannel 0: we had obviously everything in The US going on with Trump and tariffs and everything, and, obviously, more recently, the war. So we have seen quite a bit of fluctuations in the last twelve months. But despite that, your portfolio is still up, which is good. So it is\n\nChannel 1: Okay.\n\nChannel 0: up\n\nChannel 1: Yep.\n\nChannel 0: after fees by about 4.77%, which might seem modest compared to, you know, other times, but it is important to recognize that they are across the different markets that has been quite uneven this year. And if we do kind of break down the individual investment, we can see that a large portion of the global market markets that you have in your portfolio have done really well. So we saw kind of the biggest contributors from The US market through the S and P 500 for you. We saw a really good contribution. We also saw a lot a lot of the tech companies and stuff do really well.\n\nYour gold was doing really well. So, overall, we saw good exposures from there. But at the same time, you know, the way that your portfolio is put together, it is also to complement each other. So where some areas might do really well, there might be other areas that might not that kind of complement each other as well. So we don't wanna have everything into one sector or region or area.\n\nSo at some point, it's amazing, and then other years, it's, you know, going down by quite a bit. But we wanna obviously\n\nChannel 1: Yes.\n\nChannel 0: balance it out for you. So some of the areas I've seen a bit more fluctuations, the kind of underperformance a little bit is the the Benelong Australian equity for you. Now that is the Australian investment.\n\nChannel 1: Yes.\n\nChannel 0: Now with this investment here, I would like to look at changing it for you. So we've done a lot of research on this spend along Australian investment for you, and they were one of the best performing fund managers and had done really well. Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market. More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions. And if that is the case as well and we foresee that it's not going to come back around all these better options out there, we wanna make sure we change the investment for you because it's not one of those things we just leave it be.\n\nIf we do a little research and we could see that one well, that's not potentially the best one moving forward because that's going to happen as well because especially with market trends and everything changing. We wanna\n\nChannel 1: Yes.\n\nChannel 0: make sure we we change it for you. So if you are happy for me to do so, I would like to go ahead and change the investment for you to an\n\nChannel 1: Yes.\n\nChannel 0: alternative, which is your BetaShares a 200. What it is, it's again, we wanna make sure you have some exposure to the Australian market as well. So if we swap one out, we wanna make sure we swap it with a competitive similar option. But\n\nChannel 1: Yes.\n\nChannel 0: this one is a little bit cheaper for you, which is good because it's more kind of just tracking the 200 largest companies listed in Australia. So still\n\nChannel 1: Yes.\n\nChannel 0: very diversified, but you don't have that same kind of active buying and selling more frequently because that comes with a cost as well. And if it's not being met if it's not it's not worth paying the fee to have that active management if it's not outperforming, So we are then looking\n\nChannel 1: Yep.\n\nChannel 0: at this option, which is a little bit cheaper for you, which is great. So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you. So\n\nChannel 1: Okay. That sounds\n\nChannel 0: if\n\nChannel 1: good.\n\nChannel 0: you are happy for me to do that, Renee, what I will do is\n\nChannel 1: Yep.\n\nChannel 0: I will send you a record of advice via email. You don't have to sign or anything, but it is just there for your reference. So we're letting you know we have made that investment change. Okay?\n\nChannel 1: Yep. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sounds good.\n\nChannel 0: K. Perfect. Now the last two documents actually there, sorry sorry, Renee, is that when if you're happy to do so, when you then press the link where it says sign now, it will ask you to sign two documents. Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client. Now there is no changes whatsoever in regards to the fee structure.\n\nIt stays exactly the same at 1.65 from Super, so nothing out of pocket. No changes in regards to the fee structure. So this just lets us keep servicing your account and everything in the meantime, and it is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But, otherwise, it is something we do have to do every 12 just to make sure you're happy with everything and that we can keep servicing you.\n\nDoes that make sense?\n\nChannel 1: Yes. Yes. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect. And there might also be a tax file number form. Again, it's another compliance document. Basically, just lets you know that we are keeping your tax file number secure and safe on file. Now I know that was probably a lot, but do you have any questions for me?\n\nChannel 1: Okay. So that I just clicked on that sign here thing, and there was only one signature section.\n\nChannel 0: Perfect. So you probably have signed that tax file number last time probably then, which is good. So that would just be that ongoing service agreement just to say, yeah, you're happy with that. So it should just be the one, and it should be that electronic signature date. And when you I think it says validate.\n\nWhen you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you.\n\nChannel 1: Yep. I think I just did that. I think you should I think maybe.\n\nChannel 0: I'll have a little refresh. Oh, yes. Perfect. That's all come through. Now if you do wanna go back and have a look through the document later, it's all saved on your account for you if you go back into that email.\n\nIf not, I always have the copies on file if you ever do wanna have a look at that. Otherwise, I will get that ROA for you to show you the investment change. I will get that processed for you. Now it might be a little bit later in the week. But before the end of the week, you will have that in your inbox for your reference.\n\nI will also get the team to prefill those beneficiary forms for you for the will and get it sent out. I'll get the team to contact you at the October to see if you wanna revisit insurances, and then I'll also get\n\nChannel 1: Yep.\n\nChannel 0: in touch with our contact to see if I can find any more information about that private health insurance for you. If I can't, like I said, I will still send you an email so that you know I've looked into it for you, and I'm not just leaving you hanging again. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Do you have any other questions for me or need anything else otherwise before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: No. That's everything. No. Well, good. Thanks\n\nChannel 0: Yeah.\n\nChannel 1: for your help.\n\nChannel 0: Beautiful. No problem.\n\nChannel 1: So\n\nChannel 0: If there is\n\nChannel 1: so\n\nChannel 0: yeah.\n\nChannel 1: well, how did I have a time limit on and I don't have a time limit on signing that form with a witness that you'll send out, But is there a time limit on getting a will done up after that? Like,\n\nChannel 0: No.\n\nChannel 1: obviously,\n\nChannel 0: No.\n\nChannel 1: it should be, like, straight away, but, you\n\nChannel 0: No.\n\nChannel 1: know,\n\nChannel 0: The\n\nChannel 1: there\n\nChannel 0: only\n\nChannel 1: are\n\nChannel 0: thing\n\nChannel 1: no\n\nChannel 0: that would\n\nChannel 1: time limit.\n\nChannel 0: happen if you do have it, it says it goes to the will. And if there is no will, it will just if you don't have anything. So there is no time for it. Obviously, try when you can, but no. There is no time constraints of when you have to do it.\n\nLike, it won't expire or anything like that. It's more just if something were to happen. That's it. But no no time difference. No.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: That's\n\nChannel 0: there is\n\nChannel 1: great.\n\nChannel 0: anything\n\nChannel 1: I can get one in from the price office, can't I? If\n\nChannel 0: yes.\n\nChannel 1: I don't\n\nChannel 0: Yep.\n\nChannel 1: go to\n\nChannel 0: You\n\nChannel 1: a\n\nChannel 0: could. Yes. You could. The only thing just be mindful of, like, reading the terms and condition. Make sure you complete it correctly.\n\nAnd like I said, you can always email me a copy. I can keep it on file for you if something were to happen as well. Yep. Beautiful. No.\n\nThat's alright. Well, I will let you go and enjoy the rest of your afternoon. Hopefully, it's not too busy for you. But if there is anything that you need from me at any point in time, though, before October, just give me a call, and we can always book in for a bit of a catch up.\n\nChannel 1: Yep. That sounds good. Thank\n\nChannel 0: Yep.\n\nChannel 1: you so much for that. And if I\n\nChannel 0: No\n\nChannel 1: don't\n\nChannel 0: problem\n\nChannel 1: talk to you\n\nChannel 0: at\n\nChannel 1: before\n\nChannel 0: all.\n\nChannel 1: you have the baby, who was I for the baby? Right?\n\nChannel 0: Yeah. Yeah. Thank you so much. I'll be here till about September, mid September. So if you need anything before mid September, I'm here.\n\nIf not, I will let the team know, and you'll be in very capable hands as well. So I'll still\n\nChannel 1: Okay. We\n\nChannel 0: be here\n\nChannel 1: should\n\nChannel 0: for\n\nChannel 1: schedule\n\nChannel 0: a little bit.\n\nChannel 1: the call back in September instead of yeah.\n\nChannel 0: Yes. I can do that if you want.\n\nChannel 1: Yeah. You probably\n\nChannel 0: Yeah?\n\nChannel 1: do that, and then you probably\n\nChannel 0: Perfect.\n\nChannel 1: go to labor, like, August.\n\nChannel 0: Who knows? But at least if it's there, you know, August might be a\n\nChannel 1: Yeah.\n\nChannel 0: bit early, but maybe maybe the I'll put it I'll\n\nChannel 1: Yeah.\n\nChannel 0: put it September, and\n\nChannel 1: Yeah.\n\nChannel 0: then we can't oh, actually, no. I'll leave it August just to give it enough time just in case.\n\nChannel 1: Yeah.\n\nChannel 0: If you don't have time, then at least we'll touch base. And if you don't have time, we'll I'll pass it\n\nChannel 1: I'll\n\nChannel 0: on\n\nChannel 1: talk\n\nChannel 0: to my\n\nChannel 1: to you\n\nChannel 0: colleague.\n\nChannel 1: when you get back. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Then\n\nChannel 0: Exactly.\n\nChannel 1: tell me all about how much of it you haven't had.\n\nChannel 0: Alright. We look forward to that.\n\nChannel 1: Yeah.\n\nChannel 0: No. Beautiful. Thank you so much, Renee. It's lovely speaking with you. And anything else you you need, just let me know.\n\nChannel 1: You too. Thank you so much. I'll chat to you\n\nChannel 0: No\n\nChannel 1: later.\n\nChannel 0: worries. Chat soon. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Renee.","start":2.3999999,"end":3.6,"sentiment":"positive","sentiment_score":0.3881599505742391},{"text":"This is Veronica from Financial.","start":3.6,"end":4.98,"sentiment":"neutral","sentiment_score":0.2874963879585266},{"text":"How are you?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.24955865740776062}],"sentiment":"neutral","sentiment_score":0.3046034330671484,"channel":0,"num_words":11,"start":2.3999999,"end":6.1},{"sentences":[{"text":"Hi, Veronica.","start":6.7999997,"end":7.44,"sentiment":"positive","sentiment_score":0.4066428989171982},{"text":"I'm good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.6681169867515564},{"text":"Thank you.","start":7.8399997,"end":8.08,"sentiment":"positive","sentiment_score":0.7239710092544556},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.41444407900174457}],"sentiment":"positive","sentiment_score":0.5378660029835172,"channel":1,"num_words":9,"start":6.7999997,"end":8.9},{"sentences":[{"text":"Good.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.3504314720630646},{"text":"You can hear me okay now?","start":9.5199995,"end":10.98,"sentiment":"neutral","sentiment_score":0.1359348346789678}],"sentiment":"neutral","sentiment_score":0.16657721144812448,"channel":0,"num_words":7,"start":9.12,"end":10.98},{"sentences":[{"text":"Yeah.","start":13.375,"end":13.535,"sentiment":"neutral","sentiment_score":0.023518184199929237},{"text":"I can hear you, but you're very quiet.","start":13.535,"end":15.135,"sentiment":"neutral","sentiment_score":-0.09613505750894547},{"text":"My my car's on maximum volume, and it sounds like you're across the room.","start":15.135,"end":18.595001,"sentiment":"neutral","sentiment_score":-0.1368016212114266}],"sentiment":"neutral","sentiment_score":-0.1156863031665916,"channel":1,"num_words":23,"start":13.375,"end":18.595001},{"sentences":[{"text":"Let me have a look at my microphone just to make sure it's all up for you.","start":19.615,"end":26.45,"sentiment":"neutral","sentiment_score":0.05722525737741414},{"text":"I have it on Max now as well.","start":28.990002,"end":30.990002,"sentiment":"neutral","sentiment_score":0.07412029150873423},{"text":"Can you hear me any better?","start":30.990002,"end":32.53,"sentiment":"neutral","sentiment_score":-0.04718867658327023},{"text":"Okay.","start":36.605,"end":36.925,"sentiment":"neutral","sentiment_score":-0.006871437653899193},{"text":"I'll I'll try to be a bit louder louder for you, and I'll just have to apologize for my colleagues if I'm yelling.","start":36.925,"end":42.464996,"sentiment":"neutral","sentiment_score":-0.15452836081385612}],"sentiment":"neutral","sentiment_score":-0.04142480160702359,"channel":0,"num_words":55,"start":19.615,"end":42.464996},{"sentences":[{"text":"If you can't hear me, though, just just let me know, and I'll, yeah, I'll I'll try my best.","start":43.085,"end":49.344997,"sentiment":"neutral","sentiment_score":-0.04380321267404055},{"text":"I do have you booked in for your interview.","start":51.54,"end":53.48,"sentiment":"neutral","sentiment_score":0.2017805493540234},{"text":"Now is still a good time?","start":53.62,"end":55.0,"sentiment":"neutral","sentiment_score":0.21602097153663635}],"sentiment":"neutral","sentiment_score":0.06705558037056643,"channel":0,"num_words":34,"start":43.085,"end":55.0},{"sentences":[{"text":"Yeah.","start":55.99,"end":56.230003,"sentiment":"neutral","sentiment_score":0.056810785084962845},{"text":"Yeah.","start":56.230003,"end":56.31,"sentiment":"neutral","sentiment_score":0.04610272124409675},{"text":"Yeah.","start":56.31,"end":56.550003,"sentiment":"neutral","sentiment_score":0.02619311958551407},{"text":"I'm just driving around to a couple of inspections, but they just left vacant land.","start":56.550003,"end":60.63,"sentiment":"neutral","sentiment_score":-0.018798174957434338},{"text":"So I'll just","start":60.63,"end":61.670002,"sentiment":"neutral","sentiment_score":0.004746986553072929}],"sentiment":"neutral","sentiment_score":-0.006601192323224885,"channel":1,"num_words":21,"start":55.99,"end":61.670002},{"sentences":[{"text":"Yeah.","start":61.54,"end":62.04,"sentiment":"neutral","sentiment_score":0.0223673265427351}],"sentiment":"neutral","sentiment_score":0.0223673265427351,"channel":0,"num_words":1,"start":61.54,"end":62.04},{"sentences":[{"text":"jump out to take photos with you.","start":61.670002,"end":63.510002,"sentiment":"neutral","sentiment_score":0.03955521647419248},{"text":"I'll take the fact with me, but I won't be with anyone.","start":63.510002,"end":65.85,"sentiment":"neutral","sentiment_score":-0.045012949810673795}],"sentiment":"neutral","sentiment_score":-0.013856256968880954,"channel":1,"num_words":19,"start":61.670002,"end":65.85},{"sentences":[{"text":"No.","start":66.435,"end":66.755,"sentiment":"neutral","sentiment_score":-0.021533368155360225},{"text":"Okay.","start":66.755,"end":67.155,"sentiment":"neutral","sentiment_score":0.08524362742900848},{"text":"Perfect.","start":67.155,"end":67.555,"sentiment":"neutral","sentiment_score":0.2280006855726242},{"text":"If you do need to just wait a minute or two, just let me","start":67.555,"end":70.935,"sentiment":"neutral","sentiment_score":0.09417442764554705}],"sentiment":"neutral","sentiment_score":0.0947148783461136,"channel":0,"num_words":17,"start":66.435,"end":70.935},{"sentences":[{"text":"Yep.","start":71.905,"end":72.405,"sentiment":"neutral","sentiment_score":0.08200046420097351}],"sentiment":"neutral","sentiment_score":0.08200046420097351,"channel":1,"num_words":1,"start":71.905,"end":72.405},{"sentences":[{"text":"know.","start":72.354996,"end":72.675,"sentiment":"neutral","sentiment_score":0.12507930397987366},{"text":"Yeah.","start":72.675,"end":73.075,"sentiment":"neutral","sentiment_score":0.2103620171546936},{"text":"Perfect.","start":73.075,"end":73.575,"sentiment":"positive","sentiment_score":0.3414384424686432},{"text":"Now I have to send you an email as well.","start":74.435,"end":76.915,"sentiment":"neutral","sentiment_score":0.16858322024345399},{"text":"So later when you have a bit more time, just have a look through them.","start":76.915,"end":81.409996,"sentiment":"neutral","sentiment_score":0.17098399003346762}],"sentiment":"neutral","sentiment_score":0.1759811363049916,"channel":0,"num_words":28,"start":72.354996,"end":81.409996},{"sentences":[{"text":"If you then have any questions, you can just let me know.","start":81.409996,"end":84.29,"sentiment":"neutral","sentiment_score":0.17044748241702715},{"text":"But, otherwise, I'll be happy to run through them with you now.","start":84.29,"end":87.35,"sentiment":"neutral","sentiment_score":0.3248319998383522},{"text":"And, yeah, like I said, any questions, you can always give me a callback later when you have a bit more time.","start":88.049995,"end":93.015,"sentiment":"neutral","sentiment_score":0.13200710341334343}],"sentiment":"neutral","sentiment_score":0.1923371752643067,"channel":0,"num_words":46,"start":81.409996,"end":93.015},{"sentences":[{"text":"Yep.","start":94.57,"end":94.89,"sentiment":"neutral","sentiment_score":0.23730884492397308},{"text":"Sounds good.","start":94.89,"end":95.79,"sentiment":"positive","sentiment_score":0.4652663767337799}],"sentiment":"positive","sentiment_score":0.3892805327971776,"channel":1,"num_words":3,"start":94.57,"end":95.79},{"sentences":[{"text":"Perfect.","start":96.455,"end":96.955,"sentiment":"positive","sentiment_score":0.4435676038265228},{"text":"Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really.","start":97.335,"end":114.729996,"sentiment":"neutral","sentiment_score":0.055575774145836476}],"sentiment":"neutral","sentiment_score":0.061544879217847036,"channel":0,"num_words":65,"start":96.455,"end":114.729996},{"sentences":[{"text":"Yeah.","start":116.07,"end":116.55,"sentiment":"neutral","sentiment_score":-0.13602177798748016},{"text":"I don't really pay attention to anything.","start":116.55,"end":118.49,"sentiment":"neutral","sentiment_score":-0.26137411168643404}],"sentiment":"neutral","sentiment_score":-0.24570506997406483,"channel":1,"num_words":8,"start":116.07,"end":118.49},{"sentences":[{"text":"Yep.","start":119.284996,"end":119.784996,"sentiment":"neutral","sentiment_score":-0.052212923765182495}],"sentiment":"neutral","sentiment_score":-0.052212923765182495,"channel":0,"num_words":1,"start":119.284996,"end":119.784996},{"sentences":[{"text":"Your office just called and said that we need to do an interview, and I said, oh, okay.","start":119.43,"end":123.35,"sentiment":"neutral","sentiment_score":-0.027427539332873292},{"text":"Like, I don't really I kept the emails every now and again, like, about, like,","start":123.35,"end":126.95,"sentiment":"neutral","sentiment_score":-0.16494832833607992}],"sentiment":"neutral","sentiment_score":-0.08993698887978539,"channel":1,"num_words":33,"start":119.43,"end":126.95},{"sentences":[{"text":"Yep.","start":126.805,"end":127.305,"sentiment":"neutral","sentiment_score":-0.11536141484975816}],"sentiment":"neutral","sentiment_score":-0.11536141484975816,"channel":0,"num_words":1,"start":126.805,"end":127.305},{"sentences":[{"text":"the trade summary or something, and I","start":126.95,"end":129.055,"sentiment":"neutral","sentiment_score":-0.11500119205032076}],"sentiment":"neutral","sentiment_score":-0.11500119205032076,"channel":1,"num_words":7,"start":126.95,"end":129.055},{"sentences":[{"text":"Yes.","start":128.885,"end":129.385,"sentiment":"neutral","sentiment_score":-0.2540273666381836}],"sentiment":"neutral","sentiment_score":-0.2540273666381836,"channel":0,"num_words":1,"start":128.885,"end":129.385},{"sentences":[{"text":"don't understand that.","start":129.055,"end":130.675,"sentiment":"negative","sentiment_score":-0.4767823616663615},{"text":"Like, I","start":131.135,"end":131.375,"sentiment":"neutral","sentiment_score":-0.16547125577926636}],"sentiment":"negative","sentiment_score":-0.35225791931152345,"channel":1,"num_words":5,"start":129.055,"end":131.375},{"sentences":[{"text":"Yeah.","start":131.3,"end":131.8,"sentiment":"neutral","sentiment_score":-0.11363905668258668}],"sentiment":"neutral","sentiment_score":-0.11363905668258668,"channel":0,"num_words":1,"start":131.3,"end":131.8},{"sentences":[{"text":"look at the I don't open it in, like, a web browser.","start":131.375,"end":133.935,"sentiment":"neutral","sentiment_score":-0.17833982159694037},{"text":"I just, like, walk in to","start":133.935,"end":134.735,"sentiment":"neutral","sentiment_score":-0.03938870690762997}],"sentiment":"neutral","sentiment_score":-0.13202278336717022,"channel":1,"num_words":18,"start":131.375,"end":134.735},{"sentences":[{"text":"Yeah.","start":134.66,"end":135.16,"sentiment":"neutral","sentiment_score":-0.03541162610054016}],"sentiment":"neutral","sentiment_score":-0.03541162610054016,"channel":0,"num_words":1,"start":134.66,"end":135.16},{"sentences":[{"text":"my email before we get to a random folder.","start":134.735,"end":137.075,"sentiment":"neutral","sentiment_score":-0.05585061303443379}],"sentiment":"neutral","sentiment_score":-0.05585061303443379,"channel":1,"num_words":9,"start":134.735,"end":137.075},{"sentences":[{"text":"Yeah.","start":137.70001,"end":137.94,"sentiment":"neutral","sentiment_score":0.003369327634572983},{"text":"Yeah.","start":137.94,"end":138.44,"sentiment":"neutral","sentiment_score":0.016340436413884163}],"sentiment":"neutral","sentiment_score":0.009854882024228573,"channel":0,"num_words":2,"start":137.70001,"end":138.44},{"sentences":[{"text":"But, yeah, I don't really have any questions.","start":139.455,"end":142.275,"sentiment":"neutral","sentiment_score":-0.10175038268789649},{"text":"Like, is it going 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work.","start":1078.535,"end":1080.795,"sentiment":"neutral","sentiment_score":-0.29841124334118585}],"sentiment":"neutral","sentiment_score":-0.29841124334118585,"channel":1,"num_words":11,"start":1078.535,"end":1080.795},{"sentences":[{"text":"No.","start":1081.8451,"end":1082.0851,"sentiment":"neutral","sentiment_score":-0.1000918745994568},{"text":"That's okay.","start":1082.0851,"end":1082.905,"sentiment":"neutral","sentiment_score":0.04752802662551403},{"text":"So what I will do, Renee, is I will get the team to repost these forms to you.","start":1085.045,"end":1091.2251,"sentiment":"neutral","sentiment_score":0.11010751728382376},{"text":"Sorry.","start":1091.75,"end":1091.91,"sentiment":"neutral","sentiment_score":-0.0008033905178308487},{"text":"Can you hear me?","start":1091.91,"end":1092.89,"sentiment":"neutral","sentiment_score":-0.003774742595851421}],"sentiment":"neutral","sentiment_score":0.07542296649458316,"channel":0,"num_words":26,"start":1081.8451,"end":1092.89},{"sentences":[{"text":"Yes.","start":1094.4701,"end":1094.87,"sentiment":"neutral","sentiment_score":0.16370081901550293},{"text":"I will post them to you.","start":1094.87,"end":1097.2101,"sentiment":"neutral","sentiment_score":0.22944269826014838},{"text":"That way you have them, and then have a think about it.","start":1097.75,"end":1102.5701,"sentiment":"neutral","sentiment_score":0.28298063203692436},{"text":"You can always just complete these forms anyway without a will for now.","start":1102.87,"end":1107.005,"sentiment":"neutral","sentiment_score":0.2893928461349927},{"text":"That way it's enforced, and you don't ever have to change it.","start":1107.005,"end":1110.625,"sentiment":"neutral","sentiment_score":0.2522933005044858}],"sentiment":"neutral","sentiment_score":0.2664943454279141,"channel":0,"num_words":44,"start":1094.4701,"end":1110.625},{"sentences":[{"text":"And then when you do get your will, you don't have to contact us on changing these forms.","start":1111.005,"end":1115.985,"sentiment":"neutral","sentiment_score":0.22324773545066515},{"text":"And if there's ever any changes to who you wanna nominate, you can just update the will because these form stays in place so you can assess the will.","start":1116.205,"end":1124.4901,"sentiment":"neutral","sentiment_score":0.20281996449519848},{"text":"Then you can update the will however many times you 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someone in and I was like, what the hell who do I pick?","start":1140.34,"end":1143.0599,"sentiment":"neutral","sentiment_score":-0.2508341573617038},{"text":"And then","start":1143.0599,"end":1143.72,"sentiment":"neutral","sentiment_score":-0.17185703665018082}],"sentiment":"neutral","sentiment_score":-0.24252077623417503,"channel":1,"num_words":19,"start":1140.34,"end":1143.72},{"sentences":[{"text":"Oh, yeah.","start":1143.3351,"end":1144.0751,"sentiment":"neutral","sentiment_score":-0.19563278555870056}],"sentiment":"neutral","sentiment_score":-0.19563278555870056,"channel":0,"num_words":2,"start":1143.3351,"end":1144.0751},{"sentences":[{"text":"I","start":1144.74,"end":1144.98,"sentiment":"neutral","sentiment_score":-0.17828261852264404}],"sentiment":"neutral","sentiment_score":-0.17828261852264404,"channel":1,"num_words":1,"start":1144.74,"end":1144.98},{"sentences":[{"text":"Eight","start":1144.8551,"end":1145.0951,"sentiment":"neutral","sentiment_score":-0.20504654943943024}],"sentiment":"neutral","sentiment_score":-0.20504654943943024,"channel":0,"num_words":1,"start":1144.8551,"end":1145.0951},{"sentences":[{"text":"end 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good idea.","start":1302.74,"end":1303.38,"sentiment":"positive","sentiment_score":0.7054595947265625},{"text":"With the one that you send out, there's a there's, like, a time thing on it isn't there.","start":1303.38,"end":1309.86,"sentiment":"neutral","sentiment_score":0.028523609249128237},{"text":"I remember doing this last time.","start":1309.86,"end":1311.48,"sentiment":"neutral","sentiment_score":-0.0033545919383565583}],"sentiment":"neutral","sentiment_score":0.09665467403829098,"channel":1,"num_words":27,"start":1302.74,"end":1311.48},{"sentences":[{"text":"No.","start":1312.2999,"end":1312.7,"sentiment":"neutral","sentiment_score":-0.09467817097902298},{"text":"Not really.","start":1312.7,"end":1313.44,"sentiment":"neutral","sentiment_score":-0.10007811337709427},{"text":"Because it's just a matter of, like, you you can you can take however long you want to do the 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people?","start":2343.93,"end":2348.215,"sentiment":"neutral","sentiment_score":-0.005138597373540203}],"sentiment":"neutral","sentiment_score":-0.005138597373540203,"channel":1,"num_words":12,"start":2343.93,"end":2348.215},{"sentences":[{"text":"It is one of those things that is so personal because it depends on their situation, but also their contributions is a big thing.","start":2349.29,"end":2356.83,"sentiment":"neutral","sentiment_score":-0.055827242167045675},{"text":"So because we also wanna make sure that your contributions are completely eroded by the insurances.","start":2357.3699,"end":2364.195,"sentiment":"neutral","sentiment_score":-0.12995394226163626},{"text":"So for you, you have the capacity from a contribution wise to have a bit more cover in place to give you that.","start":2364.575,"end":2372.195,"sentiment":"neutral","sentiment_score":0.02779740257107693},{"text":"If something were to happen, a lot of other people might not.","start":2372.415,"end":2376.1099,"sentiment":"neutral","sentiment_score":-0.11750578197340171},{"text":"So we generally tend to work of about a 30% ratio where we don't want we we wanna make sure that your student continues to grow by still making sure you have cover in place.","start":2376.17,"end":2387.775,"sentiment":"neutral","sentiment_score":0.03393334544130734}],"sentiment":"neutral","sentiment_score":-0.02729253565723246,"channel":0,"num_words":110,"start":2349.29,"end":2387.775},{"sentences":[{"text":"Now some people, their main focus is I just care about paying out the debt.","start":2388.1748,"end":2393.2148,"sentiment":"neutral","sentiment_score":-0.01085902824997902},{"text":"That's it.","start":2393.2148,"end":2393.6948,"sentiment":"neutral","sentiment_score":0.008650310337543488},{"text":"I'm happy.","start":2393.6948,"end":2394.4348,"sentiment":"positive","sentiment_score":0.41077643632888794},{"text":"Some people go, no.","start":2394.895,"end":2396.6548,"sentiment":"neutral","sentiment_score":0.12572064623236656},{"text":"I have small kids, for example.","start":2396.6548,"end":2398.835,"sentiment":"neutral","sentiment_score":0.031033301105101902}],"sentiment":"neutral","sentiment_score":0.047070705556663976,"channel":0,"num_words":29,"start":2388.1748,"end":2398.835},{"sentences":[{"text":"I wanna make sure I cover private schools if something were to happen.","start":2399.055,"end":2402.1948,"sentiment":"neutral","sentiment_score":0.029125356043760594},{"text":"Or, you know, my partner's not working, so I need to cover their you know, if something were to happen, it's all on me.","start":2402.255,"end":2408.7102,"sentiment":"neutral","sentiment_score":-0.09441617255409558},{"text":"So it is very individual.","start":2409.25,"end":2411.11,"sentiment":"neutral","sentiment_score":-0.02351047322154045},{"text":"But for your reference, just so you can see price as well, so for your life and CPD at the moment, as well as your income protection.","start":2412.53,"end":2420.5352,"sentiment":"neutral","sentiment_score":0.13499189707605788},{"text":"So the income protection is if you were temporarily unable to work, and it will pay you a monthly amount of 10,097.","start":2420.595,"end":2429.975,"sentiment":"neutral","sentiment_score":0.0709252689795738}],"sentiment":"neutral","sentiment_score":0.035167321535901956,"channel":0,"num_words":91,"start":2399.055,"end":2429.975},{"sentences":[{"text":"So pretty good there.","start":2430.195,"end":2431.495,"sentiment":"positive","sentiment_score":0.7715811431407928},{"text":"Thirty day waiting period, so one of the shortest one, and then a five year benefit period, which is somewhere in the middle with how long you could be on claim for.","start":2432.3699,"end":2439.8298,"sentiment":"neutral","sentiment_score":0.2234527342952788},{"text":"Now","start":2439.97,"end":2440.47,"sentiment":"neutral","sentiment_score":0.05737677589058876}],"sentiment":"neutral","sentiment_score":0.27822132015953194,"channel":0,"num_words":37,"start":2430.195,"end":2440.47},{"sentences":[{"text":"Yes.","start":2440.865,"end":2441.365,"sentiment":"neutral","sentiment_score":0.08307765424251556}],"sentiment":"neutral","sentiment_score":0.08307765424251556,"channel":1,"num_words":1,"start":2440.865,"end":2441.365},{"sentences":[{"text":"all those threes are after tax, six thousand two hundred and sixty five.","start":2441.0898,"end":2447.19,"sentiment":"neutral","sentiment_score":0.055351315782620356},{"text":"So if you want more cover, it will be more expensive.","start":2448.315,"end":2451.855,"sentiment":"neutral","sentiment_score":-0.077070510184223},{"text":"It's pretty good from where you are at in terms of covering, but then some people go, oh, I don't wanna pay that much, or I don't think I need that much.","start":2453.515,"end":2462.075,"sentiment":"neutral","sentiment_score":0.08356247772462666},{"text":"I just want my mortgage.","start":2462.075,"end":2463.15,"sentiment":"neutral","sentiment_score":-0.02385028824210167},{"text":"But then you don't have extra if you need to make modifications to your home or, you know, whatever it might be.","start":2463.15,"end":2469.8098,"sentiment":"neutral","sentiment_score":0.004994897425852038}],"sentiment":"neutral","sentiment_score":0.03055936243968556,"channel":0,"num_words":83,"start":2441.0898,"end":2469.8098},{"sentences":[{"text":"So it's quite individual to what your goals are as well.","start":2470.27,"end":2473.23,"sentiment":"neutral","sentiment_score":0.11332137002186342},{"text":"So what do you do you think you'll have to be with that from for the time being with the price and what you have?","start":2473.23,"end":2481.0251,"sentiment":"neutral","sentiment_score":0.0078047412633895875},{"text":"Or","start":2481.165,"end":2481.665,"sentiment":"neutral","sentiment_score":-0.002320054918527603}],"sentiment":"neutral","sentiment_score":0.038900906673154316,"channel":0,"num_words":37,"start":2470.27,"end":2481.665},{"sentences":[{"text":"I think so at the moment, and then","start":2483.975,"end":2485.495,"sentiment":"neutral","sentiment_score":-0.009582998813129961}],"sentiment":"neutral","sentiment_score":-0.009582998813129961,"channel":1,"num_words":8,"start":2483.975,"end":2485.495},{"sentences":[{"text":"yep.","start":2485.485,"end":2485.985,"sentiment":"neutral","sentiment_score":-0.005789133720099926}],"sentiment":"neutral","sentiment_score":-0.005789133720099926,"channel":0,"num_words":1,"start":2485.485,"end":2485.985},{"sentences":[{"text":"maybe revisit 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right?","start":2491.495,"end":2492.315,"sentiment":"neutral","sentiment_score":0.02798602357506752}],"sentiment":"neutral","sentiment_score":0.011310428739167176,"channel":1,"num_words":13,"start":2487.655,"end":2492.315},{"sentences":[{"text":"Correct.","start":2492.3,"end":2492.8,"sentiment":"neutral","sentiment_score":0.04616152495145798},{"text":"Yes.","start":2492.8599,"end":2493.3599,"sentiment":"neutral","sentiment_score":0.04775378108024597}],"sentiment":"neutral","sentiment_score":0.046957653015851974,"channel":0,"num_words":2,"start":2492.3,"end":2493.3599},{"sentences":[{"text":"Yes.","start":2493.895,"end":2494.395,"sentiment":"neutral","sentiment_score":0.04258155450224877}],"sentiment":"neutral","sentiment_score":0.04258155450224877,"channel":1,"num_words":1,"start":2493.895,"end":2494.395},{"sentences":[{"text":"So","start":2497.9,"end":2498.14,"sentiment":"neutral","sentiment_score":0.0383499376475811}],"sentiment":"neutral","sentiment_score":0.0383499376475811,"channel":0,"num_words":1,"start":2497.9,"end":2498.14},{"sentences":[{"text":"When's","start":2498.01,"end":2498.33,"sentiment":"neutral","sentiment_score":0.04099833592772484}],"sentiment":"neutral","sentiment_score":0.04099833592772484,"channel":1,"num_words":1,"start":2498.01,"end":2498.33},{"sentences":[{"text":"we 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we, like, check it back in at the end of the year, but not, like, wait till next year?","start":2499.61,"end":2503.3901,"sentiment":"neutral","sentiment_score":0.025814528670161964}],"sentiment":"neutral","sentiment_score":0.025814528670161964,"channel":1,"num_words":20,"start":2499.61,"end":2503.3901},{"sentences":[{"text":"yeah.","start":2503.0352,"end":2503.355,"sentiment":"neutral","sentiment_score":0.02600889652967453},{"text":"Of course.","start":2503.355,"end":2503.915,"sentiment":"neutral","sentiment_score":0.03064873907715082},{"text":"Yes.","start":2503.915,"end":2504.415,"sentiment":"neutral","sentiment_score":0.029909618198871613},{"text":"Sorry.","start":2504.475,"end":2504.875,"sentiment":"neutral","sentiment_score":-0.0023119263350963593},{"text":"And it's one of those things, too.","start":2504.875,"end":2506.235,"sentiment":"neutral","sentiment_score":0.008852265376065458}],"sentiment":"neutral","sentiment_score":0.014739160348350802,"channel":0,"num_words":12,"start":2503.0352,"end":2506.235},{"sentences":[{"text":"Like, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client.","start":2506.235,"end":2514.81,"sentiment":"neutral","sentiment_score":0.060867093212436885},{"text":"But we can do","start":2515.21,"end":2515.9302,"sentiment":"neutral","sentiment_score":0.03339708782732487}],"sentiment":"neutral","sentiment_score":0.05781487039186888,"channel":0,"num_words":36,"start":2506.235,"end":2515.9302},{"sentences":[{"text":"Yes.","start":2515.8352,"end":2516.3352,"sentiment":"neutral","sentiment_score":0.052406832575798035}],"sentiment":"neutral","sentiment_score":0.052406832575798035,"channel":1,"num_words":1,"start":2515.8352,"end":2516.3352},{"sentences":[{"text":"it way more frequently.","start":2515.9302,"end":2517.05,"sentiment":"neutral","sentiment_score":0.05408918485045433},{"text":"I have some client who wants to do six monthly.","start":2517.05,"end":2518.81,"sentiment":"neutral","sentiment_score":0.033424345590174195},{"text":"Some people want quarterly.","start":2518.81,"end":2520.03,"sentiment":"neutral","sentiment_score":0.0156148262321949},{"text":"It completely depends on you.","start":2520.81,"end":2522.59,"sentiment":"neutral","sentiment_score":0.033414467424154284},{"text":"So some people","start":2522.97,"end":2523.85,"sentiment":"neutral","sentiment_score":-0.0009469613432884216}],"sentiment":"neutral","sentiment_score":0.029895805897047885,"channel":0,"num_words":26,"start":2515.9302,"end":2523.85},{"sentences":[{"text":"Yeah.","start":2523.63,"end":2524.13,"sentiment":"neutral","sentiment_score":0.005414947867393494}],"sentiment":"neutral","sentiment_score":0.005414947867393494,"channel":1,"num_words":1,"start":2523.63,"end":2524.13},{"sentences":[{"text":"go, oh, I don't need that much.","start":2523.85,"end":2525.1301,"sentiment":"neutral","sentiment_score":-0.04192990650023733},{"text":"I'll let you know if anything changes, where some people really want","start":2525.1301,"end":2528.01,"sentiment":"neutral","sentiment_score":0.04633413472523292}],"sentiment":"neutral","sentiment_score":0.013815803747428091,"channel":0,"num_words":19,"start":2523.85,"end":2528.01},{"sentences":[{"text":"Okay.","start":2527.7898,"end":2528.2898,"sentiment":"neutral","sentiment_score":0.07974930852651596}],"sentiment":"neutral","sentiment_score":0.07974930852651596,"channel":1,"num_words":1,"start":2527.7898,"end":2528.2898},{"sentences":[{"text":"that.","start":2528.01,"end":2528.325,"sentiment":"neutral","sentiment_score":0.09316962957382202},{"text":"So","start":2529.285,"end":2529.525,"sentiment":"neutral","sentiment_score":0.13310396671295166}],"sentiment":"neutral","sentiment_score":0.11313679814338684,"channel":0,"num_words":2,"start":2528.01,"end":2529.525},{"sentences":[{"text":"Yeah.","start":2529.3098,"end":2529.8098,"sentiment":"neutral","sentiment_score":0.17889514565467834}],"sentiment":"neutral","sentiment_score":0.17889514565467834,"channel":1,"num_words":1,"start":2529.3098,"end":2529.8098},{"sentences":[{"text":"I can even put a little reminder for the team.","start":2529.525,"end":2532.665,"sentiment":"neutral","sentiment_score":0.19809617847204208}],"sentiment":"neutral","sentiment_score":0.19809617847204208,"channel":0,"num_words":10,"start":2529.525,"end":2532.665},{"sentences":[{"text":"Mhmm.","start":2533.95,"end":2534.45,"sentiment":"neutral","sentiment_score":0.05347626283764839}],"sentiment":"neutral","sentiment_score":0.05347626283764839,"channel":1,"num_words":1,"start":2533.95,"end":2534.45},{"sentences":[{"text":"Now let me see here.","start":2534.9648,"end":2537.065,"sentiment":"neutral","sentiment_score":0.03368398249149322},{"text":"End of the year.","start":2539.525,"end":2540.645,"sentiment":"neutral","sentiment_score":0.032273911871016026},{"text":"So you're thinking, like, October 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too","start":2547.9148,"end":2548.315,"sentiment":"neutral","sentiment_score":-0.05035509169101715}],"sentiment":"neutral","sentiment_score":-0.05035509169101715,"channel":1,"num_words":2,"start":2547.9148,"end":2548.315},{"sentences":[{"text":"I'll","start":2548.2998,"end":2548.5398,"sentiment":"neutral","sentiment_score":-0.12079071998596191}],"sentiment":"neutral","sentiment_score":-0.12079071998596191,"channel":0,"num_words":1,"start":2548.2998,"end":2548.5398},{"sentences":[{"text":"close","start":2548.315,"end":2548.555,"sentiment":"neutral","sentiment_score":-0.20549316704273224}],"sentiment":"neutral","sentiment_score":-0.20549316704273224,"channel":1,"num_words":1,"start":2548.315,"end":2548.555},{"sentences":[{"text":"make","start":2548.5398,"end":2548.6199,"sentiment":"neutral","sentiment_score":-0.19005301594734192}],"sentiment":"neutral","sentiment_score":-0.19005301594734192,"channel":0,"num_words":1,"start":2548.5398,"end":2548.6199},{"sentences":[{"text":"to Christmas.","start":2548.555,"end":2549.2148,"sentiment":"neutral","sentiment_score":-0.07402543909847736}],"sentiment":"neutral","sentiment_score":-0.07402543909847736,"channel":1,"num_words":2,"start":2548.555,"end":2549.2148},{"sentences":[{"text":"yeah.","start":2549.8198,"end":2549.98,"sentiment":"neutral","sentiment_score":0.08852630853652954},{"text":"Exactly.","start":2549.98,"end":2550.48,"sentiment":"neutral","sentiment_score":0.14419226348400116},{"text":"I'll make a little note.","start":2550.8599,"end":2552.2998,"sentiment":"neutral","sentiment_score":0.08341877609491348},{"text":"Sorry.","start":2552.2998,"end":2552.7998,"sentiment":"neutral","sentiment_score":-0.050690751522779465},{"text":"Around October, I might do, like, October.","start":2553.0999,"end":2556.975,"sentiment":"neutral","sentiment_score":-0.008686916104384832}],"sentiment":"neutral","sentiment_score":0.035887552549441655,"channel":0,"num_words":15,"start":2549.8198,"end":2556.975},{"sentences":[{"text":"I'll get the team","start":2557.515,"end":2558.155,"sentiment":"neutral","sentiment_score":0.04506486188620329}],"sentiment":"neutral","sentiment_score":0.04506486188620329,"channel":0,"num_words":4,"start":2557.515,"end":2558.155},{"sentences":[{"text":"Yes.","start":2558.15,"end":2558.65,"sentiment":"neutral","sentiment_score":0.10508795082569122}],"sentiment":"neutral","sentiment_score":0.10508795082569122,"channel":1,"num_words":1,"start":2558.15,"end":2558.65},{"sentences":[{"text":"to reach out to you to see if you would like to revisit it.","start":2558.155,"end":2560.895,"sentiment":"neutral","sentiment_score":0.11833851571593966},{"text":"If you have a think about it and then you go, no.","start":2561.755,"end":2564.155,"sentiment":"neutral","sentiment_score":0.05696430585036675},{"text":"I wanna do it early.","start":2564.155,"end":2565.035,"sentiment":"neutral","sentiment_score":0.054301521927118304},{"text":"You can always call me whenever,","start":2565.035,"end":2566.415,"sentiment":"neutral","sentiment_score":0.13014605765541395}],"sentiment":"neutral","sentiment_score":0.09169445529177382,"channel":0,"num_words":37,"start":2558.155,"end":2566.415},{"sentences":[{"text":"Yes.","start":2566.39,"end":2566.89,"sentiment":"neutral","sentiment_score":0.14117687940597534}],"sentiment":"neutral","sentiment_score":0.14117687940597534,"channel":1,"num_words":1,"start":2566.39,"end":2566.89},{"sentences":[{"text":"and we can","start":2567.035,"end":2567.595,"sentiment":"neutral","sentiment_score":0.13704687853654227}],"sentiment":"neutral","sentiment_score":0.13704687853654227,"channel":0,"num_words":3,"start":2567.035,"end":2567.595},{"sentences":[{"text":"Yes.","start":2567.5898,"end":2568.0898,"sentiment":"neutral","sentiment_score":0.2016078233718872}],"sentiment":"neutral","sentiment_score":0.2016078233718872,"channel":1,"num_words":1,"start":2567.5898,"end":2568.0898},{"sentences":[{"text":"always push it forward.","start":2567.595,"end":2568.735,"sentiment":"neutral","sentiment_score":0.2216079719364643},{"text":"Or if we call you in October and you go, I don't really have time right now.","start":2569.38,"end":2573.0798,"sentiment":"neutral","sentiment_score":-0.06468799513052492},{"text":"Let's do it in another three, six months.","start":2573.14,"end":2575.2998,"sentiment":"neutral","sentiment_score":0.006724366219714284},{"text":"That's fine.","start":2575.2998,"end":2576.0398,"sentiment":"neutral","sentiment_score":0.2372451275587082},{"text":"But I'll put a little reminder to have a little chat to you at least in October unless we hear from you before just to touch base with the insurances.","start":2577.7,"end":2586.0151,"sentiment":"neutral","sentiment_score":0.10722192078828811}],"sentiment":"neutral","sentiment_score":0.057896373427060784,"channel":0,"num_words":61,"start":2567.595,"end":2586.0151},{"sentences":[{"text":"Otherwise, we will leave it now, and that's all in place.","start":2586.635,"end":2589.855,"sentiment":"neutral","sentiment_score":0.23065299608490683},{"text":"Now aside from that, you also have insurances you pay for out of pocket.","start":2590.475,"end":2595.055,"sentiment":"neutral","sentiment_score":0.20305983828646795},{"text":"So you have a split, TPD and IP, so meaning you have a portion paid outside super so you can get a a couple of additional benefits and better definitions of the policy, which is great, as well as a trauma cover for covering you for traumatic events.","start":2595.435,"end":2614.155,"sentiment":"positive","sentiment_score":0.3749719653278589},{"text":"Now you have","start":2614.7751,"end":2615.655,"sentiment":"neutral","sentiment_score":0.11208829035361607}],"sentiment":"neutral","sentiment_score":0.31203868289135006,"channel":0,"num_words":76,"start":2586.635,"end":2615.655},{"sentences":[{"text":"Yeah.","start":2615.55,"end":2616.05,"sentiment":"neutral","sentiment_score":0.14627106487751007}],"sentiment":"neutral","sentiment_score":0.14627106487751007,"channel":1,"num_words":1,"start":2615.55,"end":2616.05},{"sentences":[{"text":"that.","start":2615.655,"end":2615.895,"sentiment":"neutral","sentiment_score":0.10599422454833984},{"text":"That was a tax free lump sum payment paid directly to you if something were to happen like that, and that is covering you for a 100 and","start":2615.895,"end":2623.34,"sentiment":"neutral","sentiment_score":0.12987392555390084}],"sentiment":"neutral","sentiment_score":0.12905048758819185,"channel":0,"num_words":29,"start":2615.655,"end":2623.34},{"sentences":[{"text":"Okay.","start":2623.1025,"end":2623.6025,"sentiment":"neutral","sentiment_score":0.05603673681616783}],"sentiment":"neutral","sentiment_score":0.05603673681616783,"channel":1,"num_words":1,"start":2623.1025,"end":2623.6025},{"sentences":[{"text":"41,000.","start":2623.34,"end":2624.56,"sentiment":"neutral","sentiment_score":0.04425826668739319},{"text":"Now that is costing was that sorry?","start":2627.26,"end":2630.7202,"sentiment":"neutral","sentiment_score":-0.10603368814502444}],"sentiment":"neutral","sentiment_score":-0.08724719379097223,"channel":0,"num_words":8,"start":2623.34,"end":2630.7202},{"sentences":[{"text":"What's that going for?","start":2631.535,"end":2632.335,"sentiment":"neutral","sentiment_score":-0.13206476345658302},{"text":"Is that, like, if I lose my leg or something that I can still, like, work?","start":2632.335,"end":2635.135,"sentiment":"neutral","sentiment_score":-0.2204455896280706},{"text":"So that's traumatic?","start":2635.135,"end":2636.035,"sentiment":"neutral","sentiment_score":-0.204359104235967}],"sentiment":"neutral","sentiment_score":-0.20297677393840707,"channel":1,"num_words":23,"start":2631.535,"end":2636.035},{"sentences":[{"text":"It's it is quite dependent on the definition of each insurer, but, typically, the biggest ones we would see are like, the ones that get paid out the most is, like, your heart attack, stroke, cancers, neurological condition.","start":2637.515,"end":2651.51,"sentiment":"neutral","sentiment_score":-0.13928975988375514},{"text":"So it would be what they would call, like, your traumatic events.","start":2652.61,"end":2655.7302,"sentiment":"neutral","sentiment_score":-0.08956827223300934},{"text":"So if something were to happen so let's say that yeah.","start":2655.7302,"end":2658.61,"sentiment":"neutral","sentiment_score":-0.1046730327335271},{"text":"Like I said, the biggest ones is, like, cancers and stuff, heart attack.","start":2658.61,"end":2661.765,"sentiment":"neutral","sentiment_score":-0.09439253291258445},{"text":"Because let's say, in theory,","start":2662.085,"end":2663.4648,"sentiment":"neutral","sentiment_score":-0.0202301487326622}],"sentiment":"neutral","sentiment_score":-0.11199350853132296,"channel":0,"num_words":79,"start":2637.515,"end":2663.4648},{"sentences":[{"text":"Yeah.","start":2662.9749,"end":2663.4749,"sentiment":"neutral","sentiment_score":-0.06204920262098312}],"sentiment":"neutral","sentiment_score":-0.06204920262098312,"channel":1,"num_words":1,"start":2662.9749,"end":2663.4749},{"sentences":[{"text":"if you have a bad heart attack, you go to hospital, but then, technically, you could be fine to go back to work within two weeks, maybe three 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paid income protection because you are back at work within the waiting period.","start":2674.325,"end":2679.82,"sentiment":"neutral","sentiment_score":0.07933832917894636},{"text":"But you might want to take some time further time off.","start":2680.4402,"end":2683.74,"sentiment":"neutral","sentiment_score":0.0020595700903372326},{"text":"You might want to have someone come and stay with you to assist, or you might need to see a heart specialist or whatever it might be.","start":2684.52,"end":2693.305,"sentiment":"neutral","sentiment_score":0.06660274761142554},{"text":"This is when this come in really handy to give you a tax free lump sum to assist if anything","start":2693.305,"end":2699.7048,"sentiment":"neutral","sentiment_score":0.26200284659862516}],"sentiment":"neutral","sentiment_score":0.11349615273583266,"channel":0,"num_words":72,"start":2674.325,"end":2699.7048},{"sentences":[{"text":"Yes.","start":2699.395,"end":2699.895,"sentiment":"neutral","sentiment_score":0.11285335570573808}],"sentiment":"neutral","sentiment_score":0.11285335570573808,"channel":1,"num_words":1,"start":2699.395,"end":2699.895},{"sentences":[{"text":"were to happen.","start":2699.7048,"end":2700.345,"sentiment":"neutral","sentiment_score":0.12541823337475458},{"text":"And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that.","start":2700.345,"end":2708.43,"sentiment":"neutral","sentiment_score":0.12497499486198649},{"text":"Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you.","start":2708.43,"end":2716.7852,"sentiment":"neutral","sentiment_score":0.05278517631813884}],"sentiment":"neutral","sentiment_score":0.09291173766056697,"channel":0,"num_words":63,"start":2699.7048,"end":2716.7852},{"sentences":[{"text":"Okay.","start":2717.505,"end":2717.7449,"sentiment":"neutral","sentiment_score":0.2437680810689926},{"text":"That's good.","start":2717.7449,"end":2718.305,"sentiment":"positive","sentiment_score":0.45373570919036865},{"text":"I mean, because","start":2718.305,"end":2718.865,"sentiment":"neutral","sentiment_score":0.3100279172261556}],"sentiment":"positive","sentiment_score":0.3468872085213661,"channel":1,"num_words":6,"start":2717.505,"end":2718.865},{"sentences":[{"text":"Yeah.","start":2718.685,"end":2719.185,"sentiment":"neutral","sentiment_score":0.2786293923854828}],"sentiment":"neutral","sentiment_score":0.2786293923854828,"channel":0,"num_words":1,"start":2718.685,"end":2719.185},{"sentences":[{"text":"because I never needed it, but that's good to hear.","start":2718.865,"end":2720.725,"sentiment":"neutral","sentiment_score":0.2972056150436401}],"sentiment":"neutral","sentiment_score":0.2972056150436401,"channel":1,"num_words":10,"start":2718.865,"end":2720.725},{"sentences":[{"text":"Yes.","start":2721.085,"end":2721.585,"sentiment":"neutral","sentiment_score":0.12726432085037231},{"text":"So if anything ever happens, though, if you're unsure like, if anything ever were to happen, like, if you get a significant health, you know, injury or a diagnosis or anything and you're not sure, you can always just call me, and I can check it for you, especially that that trauma.","start":2722.445,"end":2739.6,"sentiment":"neutral","sentiment_score":-0.12312599844657458}],"sentiment":"neutral","sentiment_score":-0.11840165279946237,"channel":0,"num_words":53,"start":2721.085,"end":2739.6},{"sentences":[{"text":"Mhmm.","start":2739.15,"end":2739.65,"sentiment":"neutral","sentiment_score":-0.046479783952236176}],"sentiment":"neutral","sentiment_score":-0.046479783952236176,"channel":1,"num_words":1,"start":2739.15,"end":2739.65},{"sentences":[{"text":"But or if anything were to happen and you can't work for any period of time, again, just call me, and we'll see if we can get,","start":2739.82,"end":2746.2852,"sentiment":"neutral","sentiment_score":-0.06509212980529776}],"sentiment":"neutral","sentiment_score":-0.06509212980529776,"channel":0,"num_words":27,"start":2739.82,"end":2746.2852},{"sentences":[{"text":"Yep.","start":2745.95,"end":2746.45,"sentiment":"neutral","sentiment_score":0.005448382347822189}],"sentiment":"neutral","sentiment_score":0.005448382347822189,"channel":1,"num_words":1,"start":2745.95,"end":2746.45},{"sentences":[{"text":"you know, any insurances paid out for you.","start":2746.425,"end":2748.925,"sentiment":"neutral","sentiment_score":-0.003477481892332435},{"text":"So you don't 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you.","start":2751.5452,"end":2755.145,"sentiment":"neutral","sentiment_score":0.05419175126231634},{"text":"Yeah.","start":2755.145,"end":2755.645,"sentiment":"neutral","sentiment_score":0.12695801258087158}],"sentiment":"neutral","sentiment_score":0.020376913249492645,"channel":0,"num_words":21,"start":2749.8652,"end":2755.645},{"sentences":[{"text":"Thank you.","start":2756.405,"end":2757.385,"sentiment":"neutral","sentiment_score":0.26951779425144196}],"sentiment":"neutral","sentiment_score":0.26951779425144196,"channel":1,"num_words":2,"start":2756.405,"end":2757.385},{"sentences":[{"text":"No.","start":2757.72,"end":2757.96,"sentiment":"neutral","sentiment_score":0.019038185477256775},{"text":"That's okay.","start":2757.96,"end":2758.68,"sentiment":"neutral","sentiment_score":0.03538413159549236},{"text":"But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for 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debited.","start":2776.825,"end":2778.045,"sentiment":"neutral","sentiment_score":0.13114768515030542}],"sentiment":"neutral","sentiment_score":0.0849150340590212,"channel":0,"num_words":9,"start":2774.665,"end":2778.045},{"sentences":[{"text":"it?","start":2778.415,"end":2778.665,"sentiment":"neutral","sentiment_score":0.07988983392715454},{"text":"Yep.","start":2778.665,"end":2779.165,"sentiment":"neutral","sentiment_score":0.1626952588558197}],"sentiment":"neutral","sentiment_score":0.12129254639148712,"channel":1,"num_words":2,"start":2778.415,"end":2779.165},{"sentences":[{"text":"So that is good.","start":2779.625,"end":2780.425,"sentiment":"positive","sentiment_score":0.37672725319862366},{"text":"You do have lots of amount of cover there, which is good.","start":2780.425,"end":2783.405,"sentiment":"positive","sentiment_score":0.7680039803187052},{"text":"Now, otherwise, in the document there in the email, you will see certificate of currency for you.","start":2784.05,"end":2789.09,"sentiment":"neutral","sentiment_score":0.1789870222701746},{"text":"It basically just breaks down the insurances I just touched on in a bit more information if you do wanna have a read over it.","start":2789.09,"end":2794.6099,"sentiment":"neutral","sentiment_score":0.1498810613155365},{"text":"But, otherwise, just let you know that's all paid and and up to date.","start":2794.6099,"end":2798.47,"sentiment":"neutral","sentiment_score":0.2649590532694544}],"sentiment":"neutral","sentiment_score":0.29475263102600974,"channel":0,"num_words":72,"start":2779.625,"end":2798.47},{"sentences":[{"text":"You'll also have a Vanguard index chart.","start":2799.045,"end":2802.085,"sentiment":"neutral","sentiment_score":0.18029083098684037},{"text":"This one's here.","start":2802.085,"end":2802.9648,"sentiment":"neutral","sentiment_score":0.17176978290081024},{"text":"It's just kind of been added as it is a good representation of what we are talking about when we're talking about the market.","start":2802.9648,"end":2808.885,"sentiment":"positive","sentiment_score":0.33717641793191433},{"text":"But, basically, when you have a look at it, it's a bit of a graph dating back to 1995 through to 2025.","start":2808.885,"end":2815.8,"sentiment":"neutral","sentiment_score":0.07533941688862714},{"text":"Makes more sense when you have a look at it, but it shows you kind of all the ups and downs in the market.","start":2816.1,"end":2820.36,"sentiment":"neutral","sentiment_score":0.0640276363119483}],"sentiment":"neutral","sentiment_score":0.16329637048766016,"channel":0,"num_words":80,"start":2799.045,"end":2820.36},{"sentences":[{"text":"But overall, you will see that market always goes up long term.","start":2821.3801,"end":2825.6401,"sentiment":"neutral","sentiment_score":0.047349928257366024},{"text":"Short term, depending on what is going on in the world, you will have some ups and downs and market fluctuations.","start":2826.135,"end":2830.715,"sentiment":"neutral","sentiment_score":-0.060670887430508934}],"sentiment":"neutral","sentiment_score":-0.02139059081673622,"channel":0,"num_words":33,"start":2821.3801,"end":2830.715},{"sentences":[{"text":"Yeah.","start":2832.25,"end":2832.615,"sentiment":"neutral","sentiment_score":0.008709099143743515},{"text":"Okay.","start":2832.935,"end":2833.435,"sentiment":"neutral","sentiment_score":0.0463283397257328}],"sentiment":"neutral","sentiment_score":0.02751871943473816,"channel":1,"num_words":2,"start":2832.25,"end":2833.435},{"sentences":[{"text":"And then the last document you will have is your performance report, and that basically breaks down all your individual investments and what has happened in the last twelve months.","start":2833.335,"end":2844.62,"sentiment":"neutral","sentiment_score":0.09959455380837122},{"text":"Now over the last twelve months, we have seen quite a bit of fluctuation in the market.","start":2845.08,"end":2849.56,"sentiment":"neutral","sentiment_score":0.012256570598658393},{"text":"I'm sure you've seen a bit on the news and everything like that as well.","start":2849.56,"end":2853.1,"sentiment":"neutral","sentiment_score":0.03635682339469592},{"text":"So","start":2853.405,"end":2853.565,"sentiment":"neutral","sentiment_score":0.033883146941661835}],"sentiment":"neutral","sentiment_score":0.059927520830006825,"channel":0,"num_words":63,"start":2833.335,"end":2853.565},{"sentences":[{"text":"Okay.","start":2853.4302,"end":2853.9302,"sentiment":"neutral","sentiment_score":0.025033893063664436}],"sentiment":"neutral","sentiment_score":0.025033893063664436,"channel":1,"num_words":1,"start":2853.4302,"end":2853.9302},{"sentences":[{"text":"we had obviously everything in The US going on with Trump and tariffs and everything, and, obviously, more recently, the war.","start":2853.565,"end":2861.565,"sentiment":"neutral","sentiment_score":-0.03969712839240119},{"text":"So we have seen quite a bit of fluctuations in the last twelve months.","start":2861.565,"end":2864.945,"sentiment":"neutral","sentiment_score":-0.03598643307174955},{"text":"But despite that, your portfolio is still up, which is good.","start":2866.58,"end":2870.04,"sentiment":"positive","sentiment_score":0.36652086675167084},{"text":"So it is","start":2870.42,"end":2871.14,"sentiment":"neutral","sentiment_score":0.17939414580663046}],"sentiment":"neutral","sentiment_score":0.06596861658047656,"channel":0,"num_words":49,"start":2853.565,"end":2871.14},{"sentences":[{"text":"Okay.","start":2871.045,"end":2871.525,"sentiment":"neutral","sentiment_score":0.12524929642677307}],"sentiment":"neutral","sentiment_score":0.12524929642677307,"channel":1,"num_words":1,"start":2871.045,"end":2871.525},{"sentences":[{"text":"up","start":2871.14,"end":2871.62,"sentiment":"neutral","sentiment_score":0.05204173922538757}],"sentiment":"neutral","sentiment_score":0.05204173922538757,"channel":0,"num_words":1,"start":2871.14,"end":2871.62},{"sentences":[{"text":"Yep.","start":2871.525,"end":2872.025,"sentiment":"neutral","sentiment_score":0.08034350723028183}],"sentiment":"neutral","sentiment_score":0.08034350723028183,"channel":1,"num_words":1,"start":2871.525,"end":2872.025},{"sentences":[{"text":"after fees by about 4.77%, which might seem modest compared to, you know, other times, but it is important to recognize that they are across the different markets that has been quite uneven this year.","start":2871.62,"end":2888.7148,"sentiment":"neutral","sentiment_score":-0.0015036267893654952},{"text":"And if we do kind of break down the individual investment, we can see that a large portion of the global market markets that you have in your portfolio have done really well.","start":2888.7148,"end":2900.3699,"sentiment":"neutral","sentiment_score":0.3078558266614423},{"text":"So we saw kind of the biggest contributors from The US market through the S and P 500 for you.","start":2900.5898,"end":2908.51,"sentiment":"neutral","sentiment_score":0.26203552447259426},{"text":"We saw a really good contribution.","start":2908.51,"end":2910.2449,"sentiment":"positive","sentiment_score":0.5190668702125549},{"text":"We also saw a lot a lot of the tech companies and stuff do really well.","start":2911.345,"end":2914.865,"sentiment":"positive","sentiment_score":0.484531057998538}],"sentiment":"neutral","sentiment_score":0.23831112709912386,"channel":0,"num_words":110,"start":2871.62,"end":2914.865},{"sentences":[{"text":"Your gold was doing really well.","start":2914.865,"end":2916.805,"sentiment":"positive","sentiment_score":0.7015384236971537},{"text":"So, overall, we saw good exposures from there.","start":2917.505,"end":2921.345,"sentiment":"positive","sentiment_score":0.5513682588934898},{"text":"But at the same time, you know, the way that your portfolio is put together, it is also to complement each other.","start":2921.345,"end":2928.01,"sentiment":"neutral","sentiment_score":0.31392179971391504},{"text":"So where some areas might do really well, there might be other areas that might not that kind of complement each other as well.","start":2928.01,"end":2935.23,"sentiment":"neutral","sentiment_score":0.08812714802722137},{"text":"So we don't wanna have everything into one sector or region or area.","start":2935.29,"end":2939.805,"sentiment":"neutral","sentiment_score":-0.046222542197658464}],"sentiment":"neutral","sentiment_score":0.23343307823453047,"channel":0,"num_words":73,"start":2914.865,"end":2939.805},{"sentences":[{"text":"So at some point, it's amazing, and then other years, it's, you know, going down by quite a bit.","start":2939.865,"end":2944.9849,"sentiment":"neutral","sentiment_score":0.025962737732027705},{"text":"But we wanna obviously","start":2944.9849,"end":2946.105,"sentiment":"neutral","sentiment_score":0.1514374315738678}],"sentiment":"neutral","sentiment_score":0.04778442361756512,"channel":0,"num_words":23,"start":2939.865,"end":2946.105},{"sentences":[{"text":"Yes.","start":2946.0652,"end":2946.5652,"sentiment":"neutral","sentiment_score":0.22795337438583377}],"sentiment":"neutral","sentiment_score":0.22795337438583377,"channel":1,"num_words":1,"start":2946.0652,"end":2946.5652},{"sentences":[{"text":"balance it out for you.","start":2946.105,"end":2947.6448,"sentiment":"neutral","sentiment_score":0.27914277017116546},{"text":"So some of the areas I've seen a bit more fluctuations, the kind of underperformance a little bit is the the Benelong Australian equity for you.","start":2948.025,"end":2955.76,"sentiment":"neutral","sentiment_score":-0.10411527982124916},{"text":"Now that is the Australian investment.","start":2955.76,"end":2957.3,"sentiment":"neutral","sentiment_score":0.00901147567977508}],"sentiment":"neutral","sentiment_score":-0.033978772173459466,"channel":0,"num_words":37,"start":2946.105,"end":2957.3},{"sentences":[{"text":"Yes.","start":2959.08,"end":2959.58,"sentiment":"neutral","sentiment_score":0.07098187506198883}],"sentiment":"neutral","sentiment_score":0.07098187506198883,"channel":1,"num_words":1,"start":2959.08,"end":2959.58},{"sentences":[{"text":"Now with this investment here, I would like to look at changing it for you.","start":2959.28,"end":2963.835,"sentiment":"neutral","sentiment_score":0.1067418431242307},{"text":"So we've done a lot of research on this spend along Australian investment for you, and they were one of the best performing fund managers and had done really well.","start":2963.835,"end":2973.995,"sentiment":"positive","sentiment_score":0.35790935109059013},{"text":"Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market.","start":2973.995,"end":2984.28,"sentiment":"neutral","sentiment_score":0.10446967626059497},{"text":"More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions.","start":2985.78,"end":2991.08,"sentiment":"neutral","sentiment_score":-0.26898355409502983},{"text":"And if that is the case as well and we foresee that it's not going to come back around all these better options out there, we wanna make sure we change the investment for you because it's not one of those things we just leave it be.","start":2991.675,"end":3002.975,"sentiment":"neutral","sentiment_score":-0.15619551548932462}],"sentiment":"neutral","sentiment_score":0.01754121675336961,"channel":0,"num_words":139,"start":2959.28,"end":3002.975},{"sentences":[{"text":"If we do a little research and we could see that one well, that's not potentially the best one moving forward because that's going to happen as well because especially with market trends and everything changing.","start":3004.25,"end":3013.0698,"sentiment":"neutral","sentiment_score":-0.2368847011691994},{"text":"We wanna","start":3013.8499,"end":3014.3298,"sentiment":"neutral","sentiment_score":0.02785504423081875}],"sentiment":"neutral","sentiment_score":-0.22295103035867214,"channel":0,"num_words":38,"start":3004.25,"end":3014.3298},{"sentences":[{"text":"Yes.","start":3014.3198,"end":3014.8198,"sentiment":"neutral","sentiment_score":0.07730535417795181}],"sentiment":"neutral","sentiment_score":0.07730535417795181,"channel":1,"num_words":1,"start":3014.3198,"end":3014.8198},{"sentences":[{"text":"make sure we we change it for you.","start":3014.3298,"end":3015.8499,"sentiment":"neutral","sentiment_score":0.10671617556363344},{"text":"So if you are happy for me to do so, I would like to go ahead and change the investment for you to 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still","start":3046.2952,"end":3046.7751,"sentiment":"neutral","sentiment_score":0.18585804104804993}],"sentiment":"positive","sentiment_score":0.4763613609330995,"channel":0,"num_words":28,"start":3037.76,"end":3046.7751},{"sentences":[{"text":"Yes.","start":3046.64,"end":3047.14,"sentiment":"neutral","sentiment_score":0.2149650752544403}],"sentiment":"neutral","sentiment_score":0.2149650752544403,"channel":1,"num_words":1,"start":3046.64,"end":3047.14},{"sentences":[{"text":"very diversified, but you don't have that same kind of active buying and selling more frequently because that comes with a cost as well.","start":3046.7751,"end":3053.975,"sentiment":"neutral","sentiment_score":0.1723337018241485},{"text":"And if it's not being met if it's not it's not worth paying the fee to have that active management if it's not outperforming, So we are then looking","start":3053.975,"end":3062.9202,"sentiment":"neutral","sentiment_score":0.021425362901184065}],"sentiment":"neutral","sentiment_score":0.08976121448894155,"channel":0,"num_words":53,"start":3046.7751,"end":3062.9202},{"sentences":[{"text":"Yep.","start":3062.755,"end":3063.255,"sentiment":"neutral","sentiment_score":0.2960748076438904}],"sentiment":"neutral","sentiment_score":0.2960748076438904,"channel":1,"num_words":1,"start":3062.755,"end":3063.255},{"sentences":[{"text":"at this option, which is a little bit cheaper for you, which is great.","start":3062.9202,"end":3065.96,"sentiment":"positive","sentiment_score":0.48308626455920084},{"text":"So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you.","start":3065.96,"end":3071.74,"sentiment":"positive","sentiment_score":0.45320624248547986},{"text":"So","start":3072.52,"end":3073.02,"sentiment":"neutral","sentiment_score":0.2330530434846878}],"sentiment":"positive","sentiment_score":0.4585621103241637,"channel":0,"num_words":37,"start":3062.9202,"end":3073.02},{"sentences":[{"text":"Okay.","start":3072.56,"end":3072.88,"sentiment":"neutral","sentiment_score":0.28171300888061523},{"text":"That 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is","start":3073.48,"end":3076.36,"sentiment":"positive","sentiment_score":0.4583936759403774}],"sentiment":"positive","sentiment_score":0.4583936759403774,"channel":0,"num_words":14,"start":3073.48,"end":3076.36},{"sentences":[{"text":"Yep.","start":3076.32,"end":3076.82,"sentiment":"neutral","sentiment_score":0.27204757928848267}],"sentiment":"neutral","sentiment_score":0.27204757928848267,"channel":1,"num_words":1,"start":3076.32,"end":3076.82},{"sentences":[{"text":"I will send you a record of advice via email.","start":3076.36,"end":3080.795,"sentiment":"neutral","sentiment_score":0.25069110840559006},{"text":"You don't have to sign or anything, but it is just there for your reference.","start":3080.795,"end":3084.415,"sentiment":"neutral","sentiment_score":0.20802186131477357},{"text":"So we're letting you know we have made that investment change.","start":3084.795,"end":3088.015,"sentiment":"neutral","sentiment_score":0.2928879233923825},{"text":"Okay?","start":3088.475,"end":3088.975,"sentiment":"neutral","sentiment_score":0.1646825671195984}],"sentiment":"neutral","sentiment_score":0.24361320887063,"channel":0,"num_words":37,"start":3076.36,"end":3088.975},{"sentences":[{"text":"Yep.","start":3089.1948,"end":3089.515,"sentiment":"neutral","sentiment_score":0.14374881982803345},{"text":"Yeah.","start":3089.515,"end":3089.9949,"sentiment":"neutral","sentiment_score":0.1561557948589325},{"text":"Yeah.","start":3089.9949,"end":3090.315,"sentiment":"neutral","sentiment_score":0.19147339463233948}],"sentiment":"neutral","sentiment_score":0.1637926697731018,"channel":1,"num_words":3,"start":3089.1948,"end":3090.315},{"sentences":[{"text":"Yep.","start":3090.0098,"end":3090.5098,"sentiment":"neutral","sentiment_score":0.23604953289031985}],"sentiment":"neutral","sentiment_score":0.23604953289031985,"channel":0,"num_words":1,"start":3090.0098,"end":3090.5098},{"sentences":[{"text":"Sounds good.","start":3090.315,"end":3091.135,"sentiment":"positive","sentiment_score":0.4498484581708908}],"sentiment":"positive","sentiment_score":0.4498484581708908,"channel":1,"num_words":2,"start":3090.315,"end":3091.135},{"sentences":[{"text":"K.","start":3090.65,"end":3091.15,"sentiment":"neutral","sentiment_score":0.2443152219057083},{"text":"Perfect.","start":3091.2898,"end":3091.7898,"sentiment":"positive","sentiment_score":0.4221036732196808},{"text":"Now the last two documents actually there, sorry sorry, Renee, is that when if you're happy to do so, when you then press the link where it says sign now, it will ask you to sign two documents.","start":3093.13,"end":3105.625,"sentiment":"neutral","sentiment_score":0.15190651169732997},{"text":"Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client.","start":3106.485,"end":3114.185,"sentiment":"positive","sentiment_score":0.3956705234620882},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":3114.9,"end":3118.92,"sentiment":"neutral","sentiment_score":0.09036740226050217}],"sentiment":"neutral","sentiment_score":0.22164929608503978,"channel":0,"num_words":75,"start":3090.65,"end":3118.92},{"sentences":[{"text":"It stays exactly the same at 1.65 from Super, so nothing out of pocket.","start":3118.98,"end":3124.1199,"sentiment":"neutral","sentiment_score":0.31295560938971384},{"text":"No changes in regards to the fee structure.","start":3124.5,"end":3126.8398,"sentiment":"neutral","sentiment_score":0.09562773630023003},{"text":"So this just lets us keep servicing your account and everything in the meantime, and it is not a lock in contract.","start":3127.2249,"end":3132.665,"sentiment":"neutral","sentiment_score":0.284673493524844},{"text":"So if at any point in time you are not happy, not a lock in contract.","start":3132.665,"end":3136.285,"sentiment":"neutral","sentiment_score":0.04796911822631955},{"text":"But, otherwise, it is something we do have to do every 12 just to make sure you're happy with everything and that we can keep servicing you.","start":3136.345,"end":3143.04,"sentiment":"neutral","sentiment_score":0.3109593661846938}],"sentiment":"neutral","sentiment_score":0.2364669661840488,"channel":0,"num_words":87,"start":3118.98,"end":3143.04},{"sentences":[{"text":"Does that make sense?","start":3143.2,"end":3144.26,"sentiment":"neutral","sentiment_score":0.18850495666265488}],"sentiment":"neutral","sentiment_score":0.18850495666265488,"channel":0,"num_words":4,"start":3143.2,"end":3144.26},{"sentences":[{"text":"Yes.","start":3145.0151,"end":3145.495,"sentiment":"neutral","sentiment_score":0.15820904076099396},{"text":"Yes.","start":3145.495,"end":3145.735,"sentiment":"neutral","sentiment_score":0.20362824201583865},{"text":"That's","start":3145.735,"end":3145.975,"sentiment":"neutral","sentiment_score":0.30670860409736633}],"sentiment":"neutral","sentiment_score":0.2228486289580663,"channel":1,"num_words":3,"start":3145.0151,"end":3145.975},{"sentences":[{"text":"Yep.","start":3145.92,"end":3146.42,"sentiment":"neutral","sentiment_score":0.2451992630958557}],"sentiment":"neutral","sentiment_score":0.2451992630958557,"channel":0,"num_words":1,"start":3145.92,"end":3146.42},{"sentences":[{"text":"fine.","start":3145.975,"end":3146.475,"sentiment":"neutral","sentiment_score":0.3228570222854614}],"sentiment":"neutral","sentiment_score":0.3228570222854614,"channel":1,"num_words":1,"start":3145.975,"end":3146.475},{"sentences":[{"text":"Perfect.","start":3146.96,"end":3147.46,"sentiment":"positive","sentiment_score":0.4723154902458191},{"text":"And there might also be a tax file number form.","start":3148.4001,"end":3151.6,"sentiment":"neutral","sentiment_score":0.14975055009126664},{"text":"Again, it's another compliance document.","start":3151.6,"end":3153.62,"sentiment":"neutral","sentiment_score":0.1108239971101284},{"text":"Basically, just lets you know that we are keeping your tax file number secure and safe on file.","start":3154.1602,"end":3158.6602,"sentiment":"positive","sentiment_score":0.35253066569566727},{"text":"Now I know that was probably a lot, but do you have any questions for me?","start":3159.625,"end":3164.125,"sentiment":"neutral","sentiment_score":0.05243248597253114}],"sentiment":"neutral","sentiment_score":0.19416825469583274,"channel":0,"num_words":50,"start":3146.96,"end":3164.125},{"sentences":[{"text":"Okay.","start":3164.98,"end":3165.3,"sentiment":"neutral","sentiment_score":0.07340265810489655},{"text":"So that I just clicked on that sign here thing, and there was only one signature section.","start":3165.3,"end":3169.56,"sentiment":"neutral","sentiment_score":0.09143281486981056}],"sentiment":"neutral","sentiment_score":0.090431139493982,"channel":1,"num_words":18,"start":3164.98,"end":3169.56},{"sentences":[{"text":"Perfect.","start":3170.1052,"end":3170.6052,"sentiment":"positive","sentiment_score":0.6129474639892578},{"text":"So you probably have signed that tax file number last time probably then, which is good.","start":3170.665,"end":3175.6301,"sentiment":"positive","sentiment_score":0.5799769926816225},{"text":"So that would just be that ongoing service agreement just to say, yeah, you're happy with that.","start":3176.33,"end":3184.01,"sentiment":"positive","sentiment_score":0.6470483015565311},{"text":"So it should just be the one, and it should be that electronic signature date.","start":3184.01,"end":3188.11,"sentiment":"positive","sentiment_score":0.3678665926059087},{"text":"And when you I think it says validate.","start":3188.705,"end":3191.765,"sentiment":"neutral","sentiment_score":0.20695564523339272}],"sentiment":"positive","sentiment_score":0.49238674604056176,"channel":0,"num_words":57,"start":3170.1052,"end":3191.765},{"sentences":[{"text":"When you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you.","start":3192.465,"end":3199.045,"sentiment":"neutral","sentiment_score":0.32739863065736635}],"sentiment":"neutral","sentiment_score":0.32739863065736635,"channel":0,"num_words":28,"start":3192.465,"end":3199.045},{"sentences":[{"text":"Yep.","start":3199.865,"end":3200.025,"sentiment":"neutral","sentiment_score":0.16164442896842957},{"text":"I think I just did that.","start":3200.025,"end":3201.2249,"sentiment":"neutral","sentiment_score":0.13451126714547476},{"text":"I think you should I think maybe.","start":3201.2249,"end":3203.1648,"sentiment":"neutral","sentiment_score":0.06292632328612464}],"sentiment":"neutral","sentiment_score":0.10065687820315361,"channel":1,"num_words":14,"start":3199.865,"end":3203.1648},{"sentences":[{"text":"I'll have a little refresh.","start":3204.3198,"end":3205.7798,"sentiment":"neutral","sentiment_score":0.04744991585612297},{"text":"Oh, yes.","start":3206.0,"end":3206.5598,"sentiment":"neutral","sentiment_score":0.1827809363603592},{"text":"Perfect.","start":3206.5598,"end":3207.0598,"sentiment":"positive","sentiment_score":0.3720623254776001},{"text":"That's all come through.","start":3207.1199,"end":3208.5,"sentiment":"positive","sentiment_score":0.3802303820848465},{"text":"Now if you do wanna go back and have a look through the document later, it's all saved on your account for you if you go back into that email.","start":3208.64,"end":3214.98,"sentiment":"neutral","sentiment_score":0.24105679939190547}],"sentiment":"neutral","sentiment_score":0.23160712589465438,"channel":0,"num_words":42,"start":3204.3198,"end":3214.98},{"sentences":[{"text":"If not, I always have the copies on file if you ever do wanna have a look at that.","start":3215.055,"end":3218.9949,"sentiment":"neutral","sentiment_score":0.17632766146408885},{"text":"Otherwise, I will get that ROA for you to show you the investment change.","start":3220.575,"end":3224.9749,"sentiment":"neutral","sentiment_score":0.18872497230768204},{"text":"I will get that processed for you.","start":3224.9749,"end":3227.055,"sentiment":"neutral","sentiment_score":0.2409534113747733},{"text":"Now it might be a little bit later in the week.","start":3227.055,"end":3229.05,"sentiment":"neutral","sentiment_score":0.13817514682357962},{"text":"But before the end of the week, you will have that in your inbox for your reference.","start":3229.1301,"end":3233.07,"sentiment":"neutral","sentiment_score":0.21676324921495774}],"sentiment":"neutral","sentiment_score":0.18946986634503393,"channel":0,"num_words":68,"start":3215.055,"end":3233.07},{"sentences":[{"text":"I will also get the team to prefill those beneficiary forms for you for the will and get it sent out.","start":3234.4102,"end":3241.1501,"sentiment":"neutral","sentiment_score":0.2513640359753654},{"text":"I'll get the team to contact you at the October to see if you wanna revisit insurances, and then I'll also 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bit.","start":3370.675,"end":3371.34,"sentiment":"neutral","sentiment_score":0.06642837077379227}],"sentiment":"neutral","sentiment_score":0.06642837077379227,"channel":0,"num_words":3,"start":3370.675,"end":3371.34},{"sentences":[{"text":"the call back in September instead of yeah.","start":3371.0,"end":3373.9,"sentiment":"neutral","sentiment_score":0.018491853959858418}],"sentiment":"neutral","sentiment_score":0.018491853959858418,"channel":1,"num_words":8,"start":3371.0,"end":3373.9},{"sentences":[{"text":"Yes.","start":3374.22,"end":3374.72,"sentiment":"neutral","sentiment_score":0.15415820479393005},{"text":"I can do that if you want.","start":3374.78,"end":3376.32,"sentiment":"neutral","sentiment_score":0.2221346880708422}],"sentiment":"neutral","sentiment_score":0.21363762766122818,"channel":0,"num_words":8,"start":3374.22,"end":3376.32},{"sentences":[{"text":"Yeah.","start":3376.865,"end":3377.365,"sentiment":"neutral","sentiment_score":0.07177351415157318},{"text":"You 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probably","start":3378.065,"end":3378.865,"sentiment":"neutral","sentiment_score":0.047126876190304756}],"sentiment":"neutral","sentiment_score":0.047126876190304756,"channel":1,"num_words":6,"start":3378.065,"end":3378.865},{"sentences":[{"text":"Perfect.","start":3378.86,"end":3379.36,"sentiment":"neutral","sentiment_score":0.08680249750614166}],"sentiment":"neutral","sentiment_score":0.08680249750614166,"channel":0,"num_words":1,"start":3378.86,"end":3379.36},{"sentences":[{"text":"go to labor, like, August.","start":3378.865,"end":3380.405,"sentiment":"neutral","sentiment_score":0.061613842844963074}],"sentiment":"neutral","sentiment_score":0.061613842844963074,"channel":1,"num_words":5,"start":3378.865,"end":3380.405},{"sentences":[{"text":"Who knows?","start":3381.74,"end":3382.3,"sentiment":"neutral","sentiment_score":-0.00306898821145296},{"text":"But at least if it's there, you know, August might be a","start":3382.3,"end":3385.045,"sentiment":"neutral","sentiment_score":0.01554315498409172}],"sentiment":"neutral","sentiment_score":0.012884277384728193,"channel":0,"num_words":14,"start":3381.74,"end":3385.045},{"sentences":[{"text":"Yeah.","start":3385.025,"end":3385.525,"sentiment":"neutral","sentiment_score":0.008634143508970737}],"sentiment":"neutral","sentiment_score":0.008634143508970737,"channel":1,"num_words":1,"start":3385.025,"end":3385.525},{"sentences":[{"text":"bit early, but maybe maybe the I'll put it I'll","start":3385.045,"end":3387.5251,"sentiment":"neutral","sentiment_score":0.005336282029747963}],"sentiment":"neutral","sentiment_score":0.005336282029747963,"channel":0,"num_words":10,"start":3385.045,"end":3387.5251},{"sentences":[{"text":"Yeah.","start":3387.425,"end":3387.925,"sentiment":"neutral","sentiment_score":0.005492068827152252}],"sentiment":"neutral","sentiment_score":0.005492068827152252,"channel":1,"num_words":1,"start":3387.425,"end":3387.925},{"sentences":[{"text":"put it September, and","start":3387.5251,"end":3390.725,"sentiment":"neutral","sentiment_score":0.008353563258424401}],"sentiment":"neutral","sentiment_score":0.008353563258424401,"channel":0,"num_words":4,"start":3387.5251,"end":3390.725},{"sentences":[{"text":"Yeah.","start":3390.52,"end":3391.02,"sentiment":"neutral","sentiment_score":-0.0031510423868894577}],"sentiment":"neutral","sentiment_score":-0.0031510423868894577,"channel":1,"num_words":1,"start":3390.52,"end":3391.02},{"sentences":[{"text":"then we can't oh, actually, no.","start":3390.725,"end":3393.045,"sentiment":"neutral","sentiment_score":-0.047204820439219475},{"text":"I'll leave it August just to give it enough time just in case.","start":3393.045,"end":3397.545,"sentiment":"neutral","sentiment_score":0.0017726000111836654}],"sentiment":"neutral","sentiment_score":-0.013693953815259431,"channel":0,"num_words":19,"start":3390.725,"end":3397.545},{"sentences":[{"text":"Yeah.","start":3397.32,"end":3397.82,"sentiment":"neutral","sentiment_score":0.06821170449256897}],"sentiment":"neutral","sentiment_score":0.06821170449256897,"channel":1,"num_words":1,"start":3397.32,"end":3397.82},{"sentences":[{"text":"If you don't have time, then at least we'll touch base.","start":3399.28,"end":3401.4402,"sentiment":"neutral","sentiment_score":0.014627700840884989},{"text":"And if you don't have time, we'll I'll pass it","start":3401.4402,"end":3403.9202,"sentiment":"neutral","sentiment_score":0.036116483714431526}],"sentiment":"neutral","sentiment_score":0.024860454590192864,"channel":0,"num_words":21,"start":3399.28,"end":3403.9202},{"sentences":[{"text":"I'll","start":3403.8,"end":3404.04,"sentiment":"neutral","sentiment_score":0.04451251029968262}],"sentiment":"neutral","sentiment_score":0.04451251029968262,"channel":1,"num_words":1,"start":3403.8,"end":3404.04},{"sentences":[{"text":"on","start":3403.9202,"end":3404.08,"sentiment":"neutral","sentiment_score":0.04529634118080139}],"sentiment":"neutral","sentiment_score":0.04529634118080139,"channel":0,"num_words":1,"start":3403.9202,"end":3404.08},{"sentences":[{"text":"talk","start":3404.04,"end":3404.28,"sentiment":"neutral","sentiment_score":0.052058905363082886}],"sentiment":"neutral","sentiment_score":0.052058905363082886,"channel":1,"num_words":1,"start":3404.04,"end":3404.28},{"sentences":[{"text":"to my","start":3404.08,"end":3404.4001,"sentiment":"neutral","sentiment_score":0.057937655597925186}],"sentiment":"neutral","sentiment_score":0.057937655597925186,"channel":0,"num_words":2,"start":3404.08,"end":3404.4001},{"sentences":[{"text":"to you","start":3404.28,"end":3404.4402,"sentiment":"neutral","sentiment_score":0.06102636456489563}],"sentiment":"neutral","sentiment_score":0.06102636456489563,"channel":1,"num_words":2,"start":3404.28,"end":3404.4402},{"sentences":[{"text":"colleague.","start":3404.4001,"end":3404.9001,"sentiment":"neutral","sentiment_score":0.03197963535785675}],"sentiment":"neutral","sentiment_score":0.03197963535785675,"channel":0,"num_words":1,"start":3404.4001,"end":3404.9001},{"sentences":[{"text":"when you get back.","start":3404.4402,"end":3405.24,"sentiment":"neutral","sentiment_score":0.02959937509149313},{"text":"Yeah.","start":3405.24,"end":3405.705,"sentiment":"neutral","sentiment_score":0.06736330687999725}],"sentiment":"neutral","sentiment_score":0.037152161449193956,"channel":1,"num_words":5,"start":3404.4402,"end":3405.705},{"sentences":[{"text":"Yeah.","start":3405.6,"end":3406.0,"sentiment":"neutral","sentiment_score":0.05899864435195923}],"sentiment":"neutral","sentiment_score":0.05899864435195923,"channel":0,"num_words":1,"start":3405.6,"end":3406.0},{"sentences":[{"text":"Then","start":3405.865,"end":3406.105,"sentiment":"neutral","sentiment_score":0.027238011360168457}],"sentiment":"neutral","sentiment_score":0.027238011360168457,"channel":1,"num_words":1,"start":3405.865,"end":3406.105},{"sentences":[{"text":"Exactly.","start":3406.0,"end":3406.5,"sentiment":"neutral","sentiment_score":0.025574158877134323}],"sentiment":"neutral","sentiment_score":0.025574158877134323,"channel":0,"num_words":1,"start":3406.0,"end":3406.5},{"sentences":[{"text":"tell me all about how much of it you haven't had.","start":3406.105,"end":3408.445,"sentiment":"neutral","sentiment_score":0.044120722873644394}],"sentiment":"neutral","sentiment_score":0.044120722873644394,"channel":1,"num_words":11,"start":3406.105,"end":3408.445},{"sentences":[{"text":"Alright.","start":3408.8801,"end":3409.3801,"sentiment":"positive","sentiment_score":0.37366434931755066},{"text":"We look forward to that.","start":3409.76,"end":3410.9802,"sentiment":"positive","sentiment_score":0.58030606508255}],"sentiment":"positive","sentiment_score":0.5458657791217169,"channel":0,"num_words":6,"start":3408.8801,"end":3410.9802},{"sentences":[{"text":"Yeah.","start":3410.8252,"end":3411.3252,"sentiment":"neutral","sentiment_score":0.14135178923606873}],"sentiment":"neutral","sentiment_score":0.14135178923606873,"channel":1,"num_words":1,"start":3410.8252,"end":3411.3252},{"sentences":[{"text":"No.","start":3412.375,"end":3412.875,"sentiment":"neutral","sentiment_score":0.24335388839244845},{"text":"Beautiful.","start":3413.175,"end":3413.675,"sentiment":"positive","sentiment_score":0.7183453440666199},{"text":"Thank you so much, Renee.","start":3413.735,"end":3414.935,"sentiment":"positive","sentiment_score":0.8222513556480407},{"text":"It's lovely speaking with you.","start":3414.935,"end":3415.895,"sentiment":"positive","sentiment_score":0.9143237113952637},{"text":"And anything else you you need, just let me know.","start":3415.895,"end":3418.235,"sentiment":"positive","sentiment_score":0.5732529044151307}],"sentiment":"positive","sentiment_score":0.6989592550830408,"channel":0,"num_words":22,"start":3412.375,"end":3418.235},{"sentences":[{"text":"You too.","start":3418.817,"end":3419.2168,"sentiment":"positive","sentiment_score":0.4659910053014755},{"text":"Thank you so much.","start":3419.2168,"end":3420.097,"sentiment":"positive","sentiment_score":0.7650191187858582},{"text":"I'll chat to you","start":3420.097,"end":3420.6567,"sentiment":"positive","sentiment_score":0.42082395404577255}],"sentiment":"positive","sentiment_score":0.5675354301929474,"channel":1,"num_words":10,"start":3418.817,"end":3420.6567},{"sentences":[{"text":"No","start":3420.615,"end":3420.855,"sentiment":"neutral","sentiment_score":0.15216156840324402}],"sentiment":"neutral","sentiment_score":0.15216156840324402,"channel":0,"num_words":1,"start":3420.615,"end":3420.855},{"sentences":[{"text":"later.","start":3420.6567,"end":3421.1567,"sentiment":"neutral","sentiment_score":0.11125601828098296}],"sentiment":"neutral","sentiment_score":0.11125601828098296,"channel":1,"num_words":1,"start":3420.6567,"end":3421.1567},{"sentences":[{"text":"worries.","start":3420.855,"end":3421.355,"sentiment":"neutral","sentiment_score":0.15528728067874908},{"text":"Chat soon.","start":3421.5752,"end":3422.375,"sentiment":"neutral","sentiment_score":0.15875018388032913},{"text":"Bye.","start":3422.375,"end":3422.875,"sentiment":"neutral","sentiment_score":0.17188870906829834}],"sentiment":"neutral","sentiment_score":0.16116908937692642,"channel":0,"num_words":4,"start":3420.855,"end":3422.875},{"sentences":[{"text":"Bye.","start":3423.2969,"end":3423.7969,"sentiment":"neutral","sentiment_score":-0.10634471476078032}],"sentiment":"neutral","sentiment_score":-0.10634471476078032,"channel":1,"num_words":1,"start":3423.2969,"end":3423.7969}]},"summary":{"result":"success","short":"The agent discusses the customer's work history, personal information, and health insurance with a representative from Financial. They provide advice on updating their insurance coverage and risk tolerance, emphasizing balancing their portfolio and market volatility. The agent will send an email with a record of their investment change and a tax file number form, and the customer will need to sign two documents, including an ongoing service agreement, and complete the form and call back in September if needed. The agent will keep the customer's tax file number secure and will send a request for the customer to fill out a beneficiary forms and a will form."},"intents":{"segments":[{"text":"I do have you booked in for your interview. Now is still a good time? Yeah.","start_word":124,"end_word":139,"intents":[{"intent":"Express dissatisfaction with interview booking","confidence_score":0.000006394301},{"intent":"Review interview booking","confidence_score":0.002244002}]},{"text":"Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really. Yeah.","start_word":276,"end_word":340,"intents":[{"intent":"Inquire about specific areas of review","confidence_score":0.001776988},{"intent":"Ask about specific areas of focus","confidence_score":0.0007835746}]},{"text":"So, yeah, it's a bit of a checking point, but what I'll do then is I'll just kinda first go through a bit of an updated fact sign with you there, Renee, just to see if there's anything that has changed, if we do need to make any tweaks and changes.","start_word":628,"end_word":678,"intents":[{"intent":"Update information","confidence_score":0.009935559}]},{"text":"No. I've been trying to set up higher health insurance for the last couple of years, and then every time my account had mentioned it, and then I said, yeah. I need to set it up. Like, do you have any thoughts? And he Yeah.","start_word":1063,"end_word":1107,"intents":[{"intent":"Set up private health insurance","confidence_score":0.013028967}]},{"text":"Because it's one of those things. A private health insurance, we don't do. So I am sorry if someone did tell you that because it is it is personal. Like, it's different. So we obviously do your your life insurance, your sort of permanent disability income protection, and all of that. But private health Yeah. is like your general insurance.","start_word":1318,"end_word":1377,"intents":[{"intent":"Clarify difference between private and private health insurance","confidence_score":0.037984215}]},{"text":"And if they do, are you happy for me to pass on your contact details to them? Yeah.","start_word":1467,"end_word":1484,"intents":[{"intent":"Pass contact details","confidence_score":0.10841747}]},{"text":"do Yeah. private health, then that will be the case. I just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that. I'm sorry.","start_word":1524,"end_word":1559,"intents":[{"intent":"Confirm plan","confidence_score":0.00089958456}]},{"text":"private health, then that will be the case. I just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that. I'm sorry.","start_word":1526,"end_word":1559,"intents":[{"intent":"Consider private health","confidence_score":0.020337636}]},{"text":"I of definitely need to yes. get set up. It's just that And it is a tedious yeah. thing and yeah. Yeah.","start_word":1604,"end_word":1625,"intents":[{"intent":"Set up","confidence_score":0.5522917}]},{"text":"So what I will do is I promise you I will get in touch with them and find out. And if I speak to them and they say they don't, I will send you an email so at least you know that I've followed up Yeah. and confirmed.","start_word":1794,"end_word":1841,"intents":[{"intent":"Follow up with a tame atm","confidence_score":0.00036750434}]},{"text":"But if not, I will see if I can, yeah, find someone a contact for you at least. And if I can't, I will send you an email regardless just letting you know that I have tried my absolute best to find a contact so that you at least know. Yeah. Yeah.","start_word":1922,"end_word":1973,"intents":[{"intent":"Find a contact for a contact","confidence_score":0.03776273},{"intent":"Find a contact for a contact","confidence_score":0.3635839},{"intent":"Get a contact","confidence_score":0.0021671872}]},{"text":"And, obviously, hopefully, before the end of the financial year as well. Sorry.","start_word":1983,"end_word":1995,"intents":[{"intent":"Apply for the job before financial year","confidence_score":6.046912e-7}]},{"text":"Otherwise, when it comes to estate planning wise, do you have a will in place? No. Nope. That's okay. Or anyone who makes any financial decisions on your behalf at all? No. I don't think if anyone Nope. has, like, the brain capacity in my life to be able to do that. That is So totally fair.","start_word":2590,"end_word":2646,"intents":[{"intent":"Decide","confidence_score":0.00010481759}]},{"text":"just a different way of setting it up.","start_word":2789,"end_word":2796,"intents":[{"intent":"Set up super","confidence_score":0.10355774}]},{"text":"So you wanna avoid the trustee of the super insurance to determine where things go if something ever were to happen to you.","start_word":3055,"end_word":3077,"intents":[{"intent":"Avoid trustee","confidence_score":0.35913667}]},{"text":"If you don't do anything, what could happen is the trustee can make a decision, and they could determine someone that they think is suitable, but you could also have people trying to make a claim.","start_word":3112,"end_word":3147,"intents":[{"intent":"Make decision","confidence_score":0.10281014},{"intent":"Make claims","confidence_score":0.0031753716}]},{"text":"And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from.","start_word":3547,"end_word":3573,"intents":[{"intent":"Confirm form type","confidence_score":0.0032765893},{"intent":"Inform with new forms","confidence_score":2.63125e-9}]},{"text":"And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from. So I can get the team to prefill this for you if you would like. But because you are making a nomination, you would just have to obviously sign it and get a witness yourself. But I can get a prefill Yeah.","start_word":3547,"end_word":3615,"intents":[{"intent":"Reveal form options","confidence_score":0.000076263896}]},{"text":"So I can get the team to prefill this for you if you would like.","start_word":3574,"end_word":3588,"intents":[{"intent":"Prefill forms","confidence_score":0.25326926}]},{"text":"based on what you want today, so I can prefill it through the will. Now there are two different types of nominations otherwise, which you can have a binding or a nonbinding option.","start_word":3616,"end_word":3648,"intents":[{"intent":"Provide information","confidence_score":0.013526628}]},{"text":"Now you then have lapsing or non lapsing. Lapsing means that every three years, you have to recomplete the form. Non lapsing means it stays in place until you decide to change it. Other non matching.","start_word":3772,"end_word":3807,"intents":[{"intent":"Recommend lapsing option","confidence_score":0.00057597645}]},{"text":"Now you then have lapsing or non lapsing. Lapsing means that every three years, you have to recomplete the form. Non lapsing means it stays in place until you decide to change it. Other non matching. Non laxity. Yeah.","start_word":3772,"end_word":3810,"intents":[{"intent":"Recommend non-lapsing option","confidence_score":0.0023469233}]},{"text":"Again, that's what most people would choose so you don't have the hassle, especially with the will, because if anything change, you could just update the will. Yes.","start_word":3811,"end_word":3838,"intents":[{"intent":"Update will","confidence_score":0.3773087}]},{"text":"Now I will get these prefilled for you, and I will get them reposted. And then let me know how you go.","start_word":3847,"end_word":3868,"intents":[{"intent":"Provide confirmation","confidence_score":0.08196492},{"intent":"Provide feedback","confidence_score":0.060159616}]},{"text":"Because it's just a matter of, like, you you can you can take however long you want to do the forms. That's fine.","start_word":3970,"end_word":3992,"intents":[{"intent":"Assist with filling forms and scheduling","confidence_score":3.636049e-8}]},{"text":"That is that is very strange because, no, usually, you like, if we send you the forms, if you have the form sitting at home for three months, that's fine. Yeah. If you no.","start_word":4256,"end_word":4289,"intents":[{"intent":"Request forms","confidence_score":0.033805754}]},{"text":"When you get them, if you are confused, just call me, and we can always talk through it. I'll get it prefilled for you to make it easy. Yeah. Yeah.","start_word":4573,"end_word":4602,"intents":[{"intent":"Express frustration","confidence_score":0.0007541052},{"intent":"Request clarification","confidence_score":0.05541661}]},{"text":"I have this feeling that the last time. Yeah.","start_word":4609,"end_word":4617,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.0016162565}]},{"text":"Well, what actually happened in the last twelve months? Did I achieve what I wanted to, or is that, like, a more of a long term goal?","start_word":4738,"end_word":4764,"intents":[{"intent":"Ask about goals","confidence_score":0.028574554},{"intent":"Describe goals","confidence_score":0.00096925953}]},{"text":"But, essentially, we have you invested in a growth portfolio.","start_word":5438,"end_word":5447,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.006799079}]},{"text":"But then we also wanna have some defensive to limit fluctuations a little bit, and we have about 20% of that. So that will be, like, your cash, your gold, your fixed interest, for example, to limit fluctuations a little bit.","start_word":5632,"end_word":5672,"intents":[{"intent":"Limit fluctuations","confidence_score":0.66402}]},{"text":"Because the the closer you get through a time and later, then that's when you wanna start slowly reducing that risk.","start_word":5697,"end_word":5717,"intents":[{"intent":"Reduce risk","confidence_score":0.5059344},{"intent":"Reducing risk","confidence_score":0.00394478}]},{"text":"So in a growth portfolio, we wanna allow minimum six years to retire. So from a time frame, you are certainly have the time behind you. Yeah.","start_word":5744,"end_word":5770,"intents":[{"intent":"Maximize retirement time","confidence_score":0.1323264}]},{"text":"Someone has just bought it to stop parking there, please. yeah.","start_word":6031,"end_word":6041,"intents":[{"intent":"Stop parking","confidence_score":0.10468907}]},{"text":"if it was your land? Like, would you do that? No. Yeah.","start_word":6578,"end_word":6589,"intents":[{"intent":"Report issue with property ownership","confidence_score":0.0000034588172}]},{"text":"documents that's called financial services guide and services guide. Now they are just kind of your compliance documents. It gives you all the important information in regards to us. Nothing has changed.","start_word":6814,"end_word":6845,"intents":[{"intent":"Provide information","confidence_score":0.009165106}]},{"text":"So that is something were to happen to you, and you could never go back to work again, which would obviously have a pretty substantial financial impact, especially being quite far from retirement.","start_word":7061,"end_word":7093,"intents":[{"intent":"Share financial impact","confidence_score":0.001153085}]},{"text":"And it's one of those things, too. Like, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client. But we can do Yes.","start_word":7675,"end_word":7718,"intents":[{"intent":"Reassure and inform about benefits","confidence_score":0.00019672154}]},{"text":"I'll make a little note. Sorry.","start_word":7814,"end_word":7819,"intents":[{"intent":"Discuss","confidence_score":0.82146764}]},{"text":"to reach out to you to see if you would like to revisit it.","start_word":7832,"end_word":7845,"intents":[{"intent":"Revisit","confidence_score":0.00040634823}]},{"text":"You can always call me whenever, Yes. and we can Yes.","start_word":7863,"end_word":7873,"intents":[{"intent":"Call","confidence_score":0.004793709}]},{"text":"And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that. Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you. Okay.","start_word":8264,"end_word":8324,"intents":[{"intent":"Provide information about benefits of working with doctors","confidence_score":0.000029799387}]},{"text":"you know, any insurances paid out for you. So you don't ever Okay. have to speak to the insurance directly. You can just call me, and they will will do that for you. Yeah. Thank you.","start_word":8423,"end_word":8458,"intents":[{"intent":"Discuss insurance coverage coverage","confidence_score":0.0000011919091}]},{"text":"you know, any insurances paid out for you. So you don't ever Okay. have to speak to the insurance directly. You can just call me, and they will will do that for you. Yeah. Thank you. No. That's okay. But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for that. Yeah.","start_word":8423,"end_word":8486,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.01696988}]},{"text":"Just direct debited. it?","start_word":8505,"end_word":8508,"intents":[{"intent":"Describe direct debit amount","confidence_score":0.00022225117}]},{"text":"We also saw a lot a lot of the tech companies and stuff do really well. Your gold was doing really well. So, overall, we saw good exposures from there. But at the same time, you know, the way that your portfolio is put together, it is also to complement each other.","start_word":8908,"end_word":8959,"intents":[{"intent":"Comparing portfolios","confidence_score":0.0009847797}]},{"text":"Now with this investment here, I would like to look at changing it for you.","start_word":9058,"end_word":9072,"intents":[{"intent":"Suggesting a change","confidence_score":0.0001025048},{"intent":"Confirming a change","confidence_score":0.0018483431}]},{"text":"Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market.","start_word":9103,"end_word":9129,"intents":[{"intent":"Taking a different investment","confidence_score":0.000025194255}]},{"text":"More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions.","start_word":9130,"end_word":9149,"intents":[{"intent":"Discussing recent investments","confidence_score":0.00011826196}]},{"text":"So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you. So Okay.","start_word":9412,"end_word":9435,"intents":[{"intent":"Assist with fee reduction","confidence_score":0.0024808291}]},{"text":"I will send you a record of advice via email. You don't have to sign or anything, but it is just there for your reference. So we're letting you know we have made that investment change. Okay? Yep.","start_word":9455,"end_word":9492,"intents":[{"intent":"Send advice","confidence_score":0.18842047}]},{"text":"Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client.","start_word":9538,"end_word":9560,"intents":[{"intent":"Maintain service agreement","confidence_score":0.2850261}]},{"text":"And there might also be a tax file number form.","start_word":9670,"end_word":9679,"intents":[{"intent":"Receive tax file number form","confidence_score":0.0017524468}]},{"text":"So you probably have signed that tax file number last time probably then, which is good. So that would just be that ongoing service agreement just to say, yeah, you're happy with that. So it should just be the one, and it should be that electronic signature date. And when you I think it says validate. When you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you. Yep.","start_word":9738,"end_word":9822,"intents":[{"intent":"Process document","confidence_score":0.02382725}]},{"text":"in touch with our contact to see if I can find any more information about that private health insurance for you.","start_word":9990,"end_word":10010,"intents":[{"intent":"Provide information","confidence_score":0.026603883}]},{"text":"well, how did I have a time limit on and I don't have a time limit on signing that form with a witness that you'll send out, But is there a time limit on getting a will done up after that? Like, No.","start_word":10091,"end_word":10133,"intents":[{"intent":"Check form time","confidence_score":0.0048323027},{"intent":"Get a signed form","confidence_score":0.0036344149}]},{"text":"anything I can get one in from the price office, can't I?","start_word":10240,"end_word":10251,"intents":[{"intent":"Get a copy","confidence_score":0.01539909}]},{"text":"Well, I will let you go and enjoy the rest of your afternoon. Hopefully, it's not too busy for you. But if there is anything that you need from me at any point in time, though, before October, just give me a call, and we can always book in for a bit of a catch up. Yep.","start_word":10315,"end_word":10371,"intents":[{"intent":"Book a catch up","confidence_score":0.18526177}]},{"text":"If not, I will let the team know, and you'll be in very capable hands as well. So I'll still Okay.","start_word":10429,"end_word":10449,"intents":[{"intent":"Let team know","confidence_score":0.011281275}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Renee.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.37454429268836975},{"text":"This is Veronica from Financial. How are you?","start_word":3,"end_word":10,"sentiment":"neutral","sentiment_score":0.26521655917167664},{"text":"Hi, Veronica. I'm good. Thank you. How are you? Good.","start_word":11,"end_word":20,"sentiment":"positive","sentiment_score":0.51738440990448},{"text":"You can hear me okay now? Yeah. I can hear you, but you're very quiet. My my car's on maximum volume, and it sounds like you're across the room. Let me have a look at my microphone just to make sure it's all up for you. I have it on Max now as well. Can you hear me any better? Okay. I'll I'll try to be a bit louder louder for you, and I'll just have to apologize for my colleagues if I'm yelling. If you can't hear me, though, just just let me know, and I'll, yeah, I'll I'll try my best. I do have you booked in for your interview. Now is still a good time? Yeah. Yeah. Yeah. I'm just driving around to a couple of inspections, but they just left vacant land. So I'll just Yeah. jump out to take photos with you. I'll take the fact with me, but I won't be with anyone. No. Okay. Perfect. If you do need to just wait a minute or two, just let me Yep. know. Yeah.","start_word":21,"end_word":199,"sentiment":"neutral","sentiment_score":-0.008686848916113377},{"text":"Perfect.","start_word":200,"end_word":200,"sentiment":"positive","sentiment_score":0.3414384424686432},{"text":"Now I have to send you an email as well. So later when you have a bit more time, just have a look through them. If you then have any questions, you can just let me know. But, otherwise, I'll be happy to run through them with you now. And, yeah, like I said, any questions, you can always give me a callback later when you have a bit more time. Yep.","start_word":201,"end_word":272,"sentiment":"neutral","sentiment_score":0.18438765406608584},{"text":"Sounds good. Perfect.","start_word":273,"end_word":275,"sentiment":"positive","sentiment_score":0.44847020506858826},{"text":"Anil, before I do kind of jump into it, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see kind of what's happened in the last, twelve months, really. Yeah. I don't really pay attention to anything. Yep. Your office just called and said that we need to do an interview, and I said, oh, okay. Like, I don't really I kept the emails every now and again, like, about, like, Yep. the trade summary or something, and I Yes.","start_word":276,"end_word":390,"sentiment":"neutral","sentiment_score":-0.031053708315543507},{"text":"don't understand that.","start_word":391,"end_word":393,"sentiment":"negative","sentiment_score":-0.470281720161438},{"text":"Like, I Yeah. look at the I don't open it in, like, a web browser. I just, like, walk in to Yeah. my email before we get to a random folder. Yeah. Yeah. But, yeah, I don't really have any questions. Like, is it going good? No. No. No. That's and that's totally fine. That's usually what the review is about as well. So some people have, you know, specific things they wanna focus on or areas they'd like to address. So depending on what's changed in their life, then I'll focus more on those. But most of the time, to be fair, people are just like, no. Nothing major. Like, just to see what's happened.","start_word":394,"end_word":509,"sentiment":"neutral","sentiment_score":0.013519716449081898},{"text":"And it's a good kind of check-in point.","start_word":510,"end_word":517,"sentiment":"positive","sentiment_score":0.39335960149765015},{"text":"And the purpose as well is to see, you know, if there is anything major that has changed in your life, if you need to tweak and change the advice. Because it's one of those things we don't wanna just, like, say and forget because things are always changing, market's always changing, which has been a lot Yep. in the last twelve months as well. So it's a good checking point just to make sure that advice is still appropriate for you, but then also to give you a bit of a check-in to see, you know, where things are at, where's insurance is, how's super, and everything like that. So, yeah, it's a bit of a checking point, but what I'll do then is I'll just kinda first go through a bit of an updated fact sign with you there, Renee, just to see if there's anything that has changed, if we do need to make any tweaks and changes. So just kinda bear with me as I run through this information here. Now when it comes to your personal information, I have you down here as single with no financial dependent. Is that still correct? Yes. That's the alright.","start_word":518,"end_word":718,"sentiment":"neutral","sentiment_score":0.13802143953629395},{"text":"Yep. Perfect.","start_word":719,"end_word":720,"sentiment":"positive","sentiment_score":0.5236385464668274},{"text":"Now it doesn't look like I have a next of kin on file for you. So in the event that something were to happen and we can't get in touch with you, who is someone that we could call, and that can be anybody? I don't really know. No. My dad It was, it but he passed away and my sister's number. So, I mean, you could try her. We can put her uh-uh. down, Yeah. but you might Yeah. have to try her a couple of times. And and that is fine because if it is it's only in the event of, like, you go completely MIA and we can't get in touch with you just to make sure you're okay and stuff. And and if that's the case, we would we would definitely get in touch with her a couple of times. But then also, like, send her an a text message or, you know, leave a voice message if she knows it's us and not just the spam. So that is fine. Now what is her name, please? Melissa, m e l I, s s, a. Perfect. And same last name as you? Yeah. Same last Yeah. name. Now do you know her best contact number by any chance? Yeah. It's 0416 Yep. 406464. Four 0464. That's a pretty easy number. A lot of sixes and fours. Yeah. Oh, yeah. I'm alright. Now employment wise, has any of that changed for you, or it's still kind of all the same? Yes. Still the same. Haven't haven't Same? changed. I think. Perfect. Yeah. Now I have income here at around 195,000. Yeah. Yeah. That'll be the Yep. same. Probably That'd be higher the same. this year. I won't Yep. know till end of plan. Yes.","start_word":721,"end_word":1017,"sentiment":"neutral","sentiment_score":0.03857533633708954},{"text":"Perfect. So it's nice with a little pay rise.","start_word":1018,"end_word":1026,"sentiment":"positive","sentiment_score":0.4677240252494812},{"text":"Yeah. Alright. Oh, wait. It's a base. So it's not a a salary is salary is $50. I could what the difference Yeah. is. Oh, massive. And do you have Yeah. private health insurance as well?","start_word":1027,"end_word":1062,"sentiment":"neutral","sentiment_score":-0.0189447444346216},{"text":"No.","start_word":1063,"end_word":1063,"sentiment":"negative","sentiment_score":-0.35336029529571533},{"text":"I've been trying to set up higher health insurance for the last couple of years, and then every time my account had mentioned it, and then I said, yeah. I need to set it up. Like, do you have any thoughts? And he Yeah. was like, oh, I can't legally give you any thoughts. Then he's like, but I do that's when he gave me your number. It's like, you know, you guys, your details, Yeah. and when I, like, started contacting you. But then when when I was when I asked about it, they were like, oh, we'll set this up, like, your account up first or whatever it was or your income insurance. So I don't know what it was. Income protection, and then we'll look at private health after, and then we can get to private health. And then when I spoke to my accountant again at last financial year, he was like, have you set Yeah. that up yet with them? And I was like, no. They said, like, we'll Yeah. set the account up first and then revisit. So we just haven't revisited it. And he was like, oh, I'll get someone else to call you from a different company. Like, that Yeah.","start_word":1064,"end_word":1271,"sentiment":"neutral","sentiment_score":-0.15878549218177795},{"text":"will go through all the things, and I didn't hear from them either. I said, I don't know what the fuck is that.","start_word":1272,"end_word":1294,"sentiment":"negative","sentiment_score":-0.4500165581703186},{"text":"Anytime Okay.","start_word":1295,"end_word":1296,"sentiment":"neutral","sentiment_score":-0.3226250112056732},{"text":"I look online, it's just too confusing. I'm trying to figure out what the hell, like, the difference is.","start_word":1297,"end_word":1315,"sentiment":"negative","sentiment_score":-0.48823338747024536},{"text":"Yeah. Yeah. Because it's one of those things. A private health insurance, we don't do. So I am sorry if someone did tell you that because it is it is personal. Like, it's different. So we obviously do your your life insurance, your sort of permanent disability income protection, and all of that. But private health Yeah. is like your general insurance. It's the same, like, kind of categorized, like, car insurance and stuff, which which we don't do. Now I can have because it's so usually so specific in terms of which which brand and stuff like that to have a look at. I'll have a look with the the team if we have it. Like, I know we had a contact when it comes to mortgage and car insurance and home and content insurance. I don't know if they do private health, though. I'll have a chat to them. And if they do, are you happy for me to pass on your contact details to them? Yeah. Yeah. Yeah. Yeah. Yeah. They do, like, for all different companies. I'm guessing, like, if I talk to them, they're not just gonna suggest one company. It'll be, like, going through If multiple companies. they correct. If they Okay. do Yeah. private health, then that will be the case. I just don't know if they do private health because, usually, it's all, like, home and contents and car loan and stuff like that. I'm sorry. Car Yep. insurance that we would refer them to. I'll have a chat to them in regards to private health and see because it is something I would strongly suggest you to look at because of your high income. So Oh, yeah. because Yeah. I of definitely need to yes. get set up. It's just that And it is a tedious yeah. thing and yeah. Yeah.","start_word":1316,"end_word":1625,"sentiment":"neutral","sentiment_score":-0.07678943872451782},{"text":"I don't have the time really, which is why I have so much money.","start_word":1626,"end_word":1639,"sentiment":"negative","sentiment_score":-0.38920319080352783},{"text":"And then yeah. I Yeah.","start_word":1640,"end_word":1644,"sentiment":"neutral","sentiment_score":-0.1948358416557312},{"text":"thought you guys had done that. And this other guy was supposed to call me, not even from your like, when I mentioned to the account that I suggested to you guys, he was like, what do you mean that? He was like, oh, well, I know someone else that will do it.","start_word":1645,"end_word":1697,"sentiment":"negative","sentiment_score":-0.41576600074768066},{"text":"Like, I can give you a call the next week or two. And I was like, yeah.","start_word":1698,"end_word":1714,"sentiment":"neutral","sentiment_score":-0.2642860412597656},{"text":"That'd be awesome. And that was, like, July. That's not good.","start_word":1715,"end_word":1725,"sentiment":"negative","sentiment_score":-0.6262394785881042},{"text":"So Okay. Well, when I I talk will to Yeah. Like, he's gonna be like, what the hell is going on? I'm going to go. No idea. well, Obviously, they work for the bloody ATM.","start_word":1726,"end_word":1760,"sentiment":"neutral","sentiment_score":-0.1577991545200348},{"text":"ATM what is stealing all me fucking money.","start_word":1761,"end_word":1768,"sentiment":"negative","sentiment_score":-0.6123911142349243},{"text":"well, especially, yeah, well, especially with your income. It's like you don't wanna pay any additional tax, and No. you are at No. the moment. So what I will do is I promise you I will get in touch with them and find out. And if I speak to them and they say they don't, I will send you an email so at least you know that I've followed up Yeah. and confirmed. And then I'll And I'll if, yeah. yes, And and then I if can they advise someone to help out. exactly. And if they don't, I'll see if they know someone who does. Yeah. And that way, there's at least a contact. Hopefully, the person I do know that like I said, we've done a lot with, like, car loans and home and content insurance and stuff. They would do it because it kind of falls in the same category. But if not, I will see if I can, yeah, find someone a contact for you at least. And if I can't, I will send you an email regardless just letting you know that I have tried my absolute best to find a contact so that you at least know. Yeah. Yeah. That'd Yeah.","start_word":1769,"end_word":1975,"sentiment":"neutral","sentiment_score":-0.01996186375617981},{"text":"be awesome. Thank you. Perfect.","start_word":1976,"end_word":1980,"sentiment":"positive","sentiment_score":0.4858112335205078},{"text":"No. Definitely. And, obviously, hopefully, before the end of the financial year as well. Sorry. I was trying to get on that as soon as possible. Not Otherwise, health and lifestyle wise, any changes or it's all the same? Yeah. I think all the same. What what was Yeah. what what was, like, change? What's Yeah. I have you down here as a smoker with no medications, like, no significant health issues. Yep. Yeah. That's all the stuff. I haven't Yeah. quit yet. I'm pretty Perfect. sure No. when That we were off with the questionnaire, I was like, yeah. I'm quitting, like, couple months. Yeah.","start_word":1981,"end_word":2086,"sentiment":"neutral","sentiment_score":-0.04209428280591965},{"text":"but Excellent.","start_word":2087,"end_word":2088,"sentiment":"positive","sentiment_score":0.366071879863739},{"text":"then life gets in the way and, you know, it happens. Yeah. Yeah.","start_word":2089,"end_word":2101,"sentiment":"neutral","sentiment_score":0.17123468220233917},{"text":"I mean, I I I love the buying. I mean, that's good.","start_word":2102,"end_word":2113,"sentiment":"positive","sentiment_score":0.40180084109306335},{"text":"Just That's not great. as good as Yeah. yeah. One thing's a bonus. One thing one thing at Yeah. a time. I can't do everything. Yeah. Yeah. Yeah. And when it comes to assets and liabilities, No. I have here that your property was last died at about $7.50. Is that still roughly the case, or do you know if that's gone up a little bit? Yeah. Yeah. Definitely went off because I had a valuer valuer last started last year for $9.60 or something, so I put a pull in. And then I Oh, was nice. talking to I'm a I'm a valuer myself. Like, I value property Yeah. for banks. So I was talking to an agent the other day about the market where I live, and he was like, oh, you have to probably be around the one one one mark. So Oh, wow. Alright. yeah. I'll update that through about one one.","start_word":2114,"end_word":2269,"sentiment":"neutral","sentiment_score":0.015403402969241142},{"text":"That's nice.","start_word":2270,"end_word":2271,"sentiment":"positive","sentiment_score":0.4048682153224945},{"text":"That's a nice low increase. Yeah. Yeah. Oh, you're right. And I have mortgage about 674,000. Should be $7.30 because I pulled money out to put Yep. some money to walk my pool and solar Yep. and Yep. screens. Yes. Do a bit of a Yeah. upgrade. No. That's good. And, also, do you have the motor vehicle by that about 15,000 still as well? Yeah. I think it's dropped, though, Yep. because, like, obviously, I drive so much because the kilometers are up. So I don't know how much that'd be worth. I imagine it'd be somewhere between the 10 to 15, but maybe not Okay. I'll four leave to 15. it with my But tenant. it's off, so I don't know if that makes Yeah. a difference. And it's one of those things as well usually depreciates cars, unless it's like a special classic car or something fancy. Yeah. No. She's just a carrier.","start_word":2272,"end_word":2427,"sentiment":"neutral","sentiment_score":0.0017977536727602666},{"text":"Yeah. She's classic to me. Yeah. Exactly.","start_word":2428,"end_word":2434,"sentiment":"positive","sentiment_score":0.5189678072929382},{"text":"And, otherwise, I have savings about 17,000. I think I have, like, 32 or $33 in savings at the moment.","start_word":2435,"end_word":2454,"sentiment":"neutral","sentiment_score":0.286175936460495},{"text":"Beautiful.","start_word":2455,"end_word":2455,"sentiment":"positive","sentiment_score":0.6219915747642517},{"text":"33. Now any other new assets in the last twelve months? Any boats or motorbikes or something else? No. I bought a dog. Sorry. No? Because I was like, yeah. She Oh, was only that's $4.","start_word":2456,"end_word":2491,"sentiment":"neutral","sentiment_score":0.009489291347563268},{"text":"nice.","start_word":2492,"end_word":2492,"sentiment":"positive","sentiment_score":0.3362254202365875},{"text":"Nice. What Yeah. kind of? Yeah. Right. It's like a beetle to Oh, match nice. the other one. Yeah. Yeah. No. Oh, No.","start_word":2493,"end_word":2515,"sentiment":"neutral","sentiment_score":-0.012728780508041382},{"text":"fuck. No.","start_word":2516,"end_word":2517,"sentiment":"negative","sentiment_score":-0.4771484136581421},{"text":"That's what I think. So No. No. Perfect. And any other liabilities? No. Just No? like price Perfect. mortgage Yep. over the rest of the stuff. Just just the same. Yep. No. That's yeah. I mean, considering getting a new car, so that'll might change in the next couple of months, but I'm guessing I'll Okay. just let you guys know what the changes. Yep. Yeah. Exactly. Yeah. Yep. That'd be good. Otherwise, when it comes to estate planning wise, do you have a will in place? No. Nope. That's okay. Or anyone who makes any financial decisions on your behalf at all? No. I don't think if anyone Nope. has, like, the brain capacity in my life to be able to do that. That is So totally fair. Leave it with yeah. you. Yeah. And when it and when it comes through beneficiary, so if something ever were to happen to you, because I can see here that your for your super and your insurances, we don't have a nomination on file. Do you have someone you would like to make sure that the funds go through if something were to happen to you? Have you thought So I much think I about just thought it? we had to last time is I was like, oh, yeah. I'll get him to go to my dad, and then you guys like, Yep.","start_word":2518,"end_word":2749,"sentiment":"neutral","sentiment_score":-0.02573893778026104},{"text":"no. You can't do that.","start_word":2750,"end_word":2754,"sentiment":"negative","sentiment_score":-0.4215695559978485},{"text":"And I said, I'll get him to my sister and you guys are like, no. It can't be a family member or something. Yes and no.","start_word":2755,"end_word":2780,"sentiment":"neutral","sentiment_score":-0.03097645379602909},{"text":"It definitely can be for sure.","start_word":2781,"end_word":2786,"sentiment":"positive","sentiment_score":0.3589566946029663},{"text":"It's Yep. just a different way of setting it up. So because there's so many clients where it's like, well, if you don't have a partner or financial dependence or Yeah. you just choose like, so many people give it to their brothers or sisters or cousins or nephews and nieces to super comment or parents or a friend or non for profit.","start_word":2787,"end_word":2849,"sentiment":"neutral","sentiment_score":0.08514884114265442},{"text":"You can definitely do it.","start_word":2850,"end_word":2854,"sentiment":"positive","sentiment_score":0.5882321000099182},{"text":"It is just a different way of setting it up. So to make it directly through super because of the CIS Act, it has to be a spouse, a child, financial dependent, or someone that you are in an interdependency relationship, which essentially is just someone who must be financially dependent on you at the time of your passing, you know, live together, providing support, and stuff. So a lot of people don't fall into this category. So the way Yes. through go around it is that on the actual form, you would say that you want a 100% nominated through your legal personal representative. What that would then mean is that it reversed it back to your will. So downside is you do have to then get a will set up. But then in the will, you can stay for, like, whoever you want. So that could be your dad could have been your dad. Sorry. Your your sister, friends. It can be anybody, whoever you want. So it would then definitely still go to them. The reason you have to do it this way is because your super and insurances does not form part of your state automatically. So you wanna avoid the trustee of the super insurance to determine where things go if something ever were to happen to you.","start_word":2855,"end_word":3077,"sentiment":"neutral","sentiment_score":0.04312851279973984},{"text":"So it is a little bit more painful having to do it through the world, but then at least that way, it's airtight of who we will go through.","start_word":3078,"end_word":3106,"sentiment":"negative","sentiment_score":-0.4188609421253204},{"text":"So we can definitely do. If you don't do anything, what could happen is the trustee can make a decision, and they could determine someone that they think is suitable, but you could also have people trying to make a claim. So if there's ever a ex partner or if there's a dispute within the family or if I don't know if you have multiple siblings, they can Yeah. fight over what goes to whom. So it could then cause issues Yeah.","start_word":3107,"end_word":3188,"sentiment":"neutral","sentiment_score":-0.0904167944099754},{"text":"and people trying to make a claim where that's not who you would actually want it to go to. So that will be kind of the risk why not having anything.","start_word":3189,"end_word":3219,"sentiment":"negative","sentiment_score":-0.4417010545730591},{"text":"Yeah. Okay. That makes sense. Yeah. I should probably do something then. I've got both Yeah. claims and a crazy mom. Yeah. And that's you don't want then and that's often what can happen.","start_word":3220,"end_word":3253,"sentiment":"neutral","sentiment_score":-0.14955337345600128},{"text":"And sometimes, unfortunately, when families do pass away, it brings out sometimes the worst of people when it comes to money.","start_word":3254,"end_word":3274,"sentiment":"negative","sentiment_score":-0.4240014255046845},{"text":"So yeah. So would you do you have access to a printer or not really? No. I, Nope. do you have a good job, but this doesn't really work. No. That's okay. So what I will do, Renee, is I will get the team to repost these forms to you. Sorry. Can you hear me? Yes. I will post them to you. That way you have them, and then have a think about it. You can always just complete these forms anyway without a will for now. That way it's enforced, and you don't ever have to change it. And then when you do get your will, you don't have to contact us on changing these forms. And if there's ever any changes to who you wanna nominate, you can just update the will because these form stays in place so you can assess the will. Then you can update the will however many times you want. Yep. Does that make sense? Yeah. Yeah.","start_word":3275,"end_word":3438,"sentiment":"neutral","sentiment_score":0.11184810847043992},{"text":"That's not easy.","start_word":3439,"end_word":3441,"sentiment":"negative","sentiment_score":-0.444018691778183},{"text":"Yeah. Yeah. Yeah. I don't know Sorry. what the hell I was just I just I think you guys sent me out forms last time, but I don't know what it was. It wasn't explained what's down to me. It was Yeah. essentially, Okay. I think I picked someone in and I was like, what the hell who do I pick? And then Oh, yeah. I Eight end up yeah. I don't even know who it was. I I think it was Okay. like a phone shadow or something like that. And I was like, oh, I don't know why I was No. Yeah. No. And when you do get to the form as well, there are it can be confusing because there are basically four different types you can choose from. So I can get the team to prefill this for you if you would like. But because you are making a nomination, you would just have to obviously sign it and get a witness yourself. But I can get a prefill Yeah. based on what you want today, so I can prefill it through the will. Now there are two different types of nominations otherwise, which you can have a binding or a nonbinding option. Oh, Basically, it's what a binding it means number. yeah. So a binding means that it's basically bound, so the trustee of your superinsurance are bound to follow your wishes. So that gives you the most amount of certainty. And nonbinding means that you say, this is what I want to have happen, but at the end of the day, they can then choose where they wanted to go. Which one would you prefer? Yes. That is what most people go to binding because that gives you the certainty. No one it's the only reason you typically you would only have a nonbinding is because not every super fund allows it. But for you, they do. Sorry. Sorry. Correct. Correct. It is exactly. Now you then have lapsing or non lapsing. Lapsing means that every three years, you have to recomplete the form. Non lapsing means it stays in place until you decide to change it. Other non matching. Non laxity.","start_word":3442,"end_word":3809,"sentiment":"neutral","sentiment_score":0.014035070112541966},{"text":"Yeah. Again, that's what most people would choose so you don't have the hassle, especially with the will, because if anything change, you could just update the will.","start_word":3810,"end_word":3837,"sentiment":"positive","sentiment_score":0.42401665449142456},{"text":"Yes. Oh, careful. More than thinking. Yeah.","start_word":3838,"end_word":3844,"sentiment":"neutral","sentiment_score":0.2670113742351532},{"text":"But yeah. Now I will get these prefilled for you, and I will get them reposted. And then let me know how you go.","start_word":3845,"end_word":3868,"sentiment":"positive","sentiment_score":0.4517154097557068},{"text":"And if you do end up getting a will and if it's not through a lawyer, if you just do, like, a will kit yourself or something like that, if you would like us to keep a copy on file, you can always email it to me, and then I can keep on file along with the other documents to make it easy as well. Yep. Yeah. Okay. Yeah.","start_word":3869,"end_word":3937,"sentiment":"neutral","sentiment_score":0.1733966767787933},{"text":"That's Yeah. a good idea.","start_word":3938,"end_word":3942,"sentiment":"positive","sentiment_score":0.562885046005249},{"text":"With the one that you send out, there's a there's, like, a time thing on it isn't there. I remember doing this last time. No. Not really. Because it's just a matter of, like, you you can you can take however long you want to do the forms. That's fine. It doesn't change unless we somehow change your insurances or change your super funds. But if not, there's no time. The only thing is, obviously, it is advised to do it as soon as possible. So if something were to happen, we have it in place. But if you take like, there's no time, it doesn't expire. Oh, what was that? What did I put out? Well, I was trying to you guys, and it was like a I thought it was and I I literally I filled it out, like, three times because I would when I when I spoke to you last time, though, like, you've got I think it was, like, thirty days, but because I live at least an hour from all my family. I then Yeah. have to drive down and see them, which Yeah. I couldn't just, like, drop No. And I drive down No. and get get on the phone, and then I'd come home and then I, like, would go to post it, like, Alright. a week later. And then I forget because I'd be busy, and then I go to post a week later.","start_word":3943,"end_word":4185,"sentiment":"neutral","sentiment_score":-0.08804752677679062},{"text":"I'd be like, shit. I'm outside of thirty days. So you guys kept on having to send it to me, and I kept on having to do that. And then I was like, fuck. I don't know. I That's didn't even annoying.","start_word":4186,"end_word":4227,"sentiment":"negative","sentiment_score":-0.4911906719207764},{"text":"send it back in. I was like, well, too bad. It's it's currently sitting in my bloody pantry. Yeah. Like, the last year or whatever. Or no. Yeah. That is that is very strange because, no, usually, you like, if we send you the forms, if you have the form sitting at home for three months, that's fine. Yeah. If you no. I haven't really had anyone through signing anything, and they've come back and saying it's outside a time frame. That's only TPAs. Is there anything sometimes? Like, if we were doing, like, a third party authority research on the previous super fund, that sometimes has an expiry. But these forms, no. Because, yeah, sometimes it's like, well, if I need to go and get a witness, and that can't be the person who I nominate. Like, if you because you're doing the well, it's fine, but it has to be witnessed by two people. So sometimes, you know, you don't have someone close by or I mean, you could get colleagues. You could do whoever you want, really. It just has to be two people that witness it. But, yeah, you don't always have time for that. So, no, there's no time frame of when you have to complete them. So you can take your time. Obviously, try to do it when you have a moment, sorry, if something were to happen. But, no, if it takes a month or two for you to send it back, that is fine. It won't expire. Yep. Yeah. That's all good. Yeah. I mean, I don't work in an office. I work at home. Sorry. Unless I'm, Yeah. like, getting someone off the street. I don't really know anyone Yeah. directly Maybe around. not. Yeah. I'll come in. I'll just go to Maybe my neighbor's house. yeah. Yeah. Sounds Trust like the it killed neighbor. me before I fired it. So, yeah, take your time or friends. So anyone, take your time. I will get them posted out through you anyway so you have them. When you get them, if you are confused, just call me, and we can always talk through it. I'll get it prefilled for you to make it easy. Yeah. Yeah. That'd be Yeah.","start_word":4228,"end_word":4604,"sentiment":"neutral","sentiment_score":-0.05728081200736271},{"text":"awesome.","start_word":4605,"end_word":4605,"sentiment":"positive","sentiment_score":0.663097620010376},{"text":"Yeah. Because Exactly. I have this feeling that the last time. Yeah.","start_word":4606,"end_word":4617,"sentiment":"neutral","sentiment_score":-0.00194404402282089},{"text":"That'll be annoying having to redo it, especially because, yeah, life gets in the way.","start_word":4618,"end_word":4632,"sentiment":"negative","sentiment_score":-0.36768701672554016},{"text":"And I know Yeah. myself But it's, with like, work very and stuff. dog. You know? It's like random words, and I'm like, well, if I pick the wrong one, I just yeah. And then you'll wanna you don't wanna have to redo it again. So I'll get it prefilled. And Yeah. that way, you just have to sign it and date it, and that's all you have to do. Yeah.","start_word":4633,"end_word":4703,"sentiment":"neutral","sentiment_score":0.018593449145555496},{"text":"Perfect.","start_word":4704,"end_word":4704,"sentiment":"positive","sentiment_score":0.5319440364837646},{"text":"Now, otherwise, I guess, kind of goal stuff that you are working towards, it's always good time as well during annual review to do a bit of a check-in to be like, okay. Well, what actually happened in the last twelve months? Did I achieve what I wanted to, or is that, like, a more of a long term goal? So I know that when you spoke to, I think it was my colleague, Dana, that you spoke to last time, your main focus was to reduce debt on your mortgage, put a pull in, which you obviously have, and then potentially upgrade the car within the next couple of years, which I know you kind of mentioned is still the goal with the car. But is that still kind of, like, your focus otherwise through reduced debt on the mortgage? Would you have any other specific goals you're working towards? No. Just the mortgage and Mortgage. the car and, Yep. I don't know, having some kids at some point before I'm, like, too old, but that's not anything you guys can help me with. That's the future But thing. yeah. I mean, I've gotta I was getting all I have to, like what do you call it? Pull money out to freeze eggs or something. Are you supposed Yeah. to freeze eggs by the time you're, like, 30 or something? I'm pretty sure. But to be fair, it's like nowadays, it's like everyone is getting it later. And it's, like, maybe oversharing, but I'm 32, and I'm pregnant at the moment. And we happen Oh, on the that's first go. okay. So Yeah. so, you know, it's not all about that, and everyone But yeah. was Well, telling I me the I same. hear It's that like, you oh then my god. before we just have two Yeah. ladies at our work. One of them has had to give up, and she's only 34. That's done, like, six or seven rounds of IVF that haven't, Yeah. like, set at work and then haven't stuck. And Yeah. then one of the other ladies, she's only 31 or 32 Yeah. married, and she had been trying for the last three years with her, like, childhood sweetheart. Couldn't Yeah. have kids. Went through IVF. Did, I think, 10 or 11 rounds or something. And then Yeah. her last round was in the last year and she worked. She was like, that was That's the only correct. that was our Yeah. last chance. Oh my god. That's so young. I'm Yes. 31. I'm 33 or something. And yeah. And it's hard because it's I mean, you're hearing it as well, and I think a lot of it is also, like, there's a lot of external factors and stuff. And, obviously, I'm not a health profession, so I don't know. But, obviously, lifestyle and everything like that, yeah, plays a role in one of my my best friend, she's 38, and they they just, you know, turned pregnant, and it was fun. But then I also have some other friends who are, like, late twenties, and they've been trying for years. So it's like I think people try to scare you a lot by being like, oh, you have to do it, but it's like it's so everyone gets kids later in life because you wanna, you know, you wanna have a career.","start_word":4705,"end_word":5273,"sentiment":"neutral","sentiment_score":-0.02192599112937237},{"text":"You wanna have your job. You wanna have stability. You wanna have a house.","start_word":5274,"end_word":5287,"sentiment":"positive","sentiment_score":0.4541421830654144},{"text":"And it's like, that can't happen by the time I'm 25. Like, it just won't. So exactly. So it you know, everyone's different, but I wouldn't stress too much because, yeah, you are you're you're younger than me, and everyone's different, but I wouldn't and sometimes stressing about it through as much as you do, it makes it worse. Yes. Because then you constantly put the pressure. You know? So I wouldn't stress if I were you anyway. Yeah. Yeah. And it's very individual. But but, yes, I don't know if that helped him any worse. But Yeah. No. No. That's not how. yeah.","start_word":5288,"end_word":5391,"sentiment":"neutral","sentiment_score":-0.09082189947366714},{"text":"Perfect.","start_word":5392,"end_word":5392,"sentiment":"positive","sentiment_score":0.4073807895183563},{"text":"Now, otherwise, Renee, I guess when it comes to your superannuation, when it comes to your risk profile so I know you did a pretty extensive risk profile questionnaire with Dana last time, so I won't go through all of those questions with you again. But, essentially, we have you invested in a growth portfolio. Now just a little recap for you. Typically, when it comes to a growth portfolio, like a growth investor, what we would call it, is tailored for people who are looking at getting as much growth as you can out of out of your superannuation while you do have, you know, plenty of time until retirement. At the same time, someone who are comfortable seeing a bit of fluctuations in the market in order to achieve that growth long term. So short term will be some fluctuations. Some years might not be as great as others. But over the long term, the focus is then to tryna get as much growth as possible to take advantage of those kind of ups and downs and mark special, like, market niches, if that makes sense. Yep. And when it comes to an actual asset allocation, so how your money is invested, we typically see 80% in what we call your growth assets. So this will be things like Australian shares, international shares, property, and commodities, and that is what's going to give you that growth. But then we also wanna have some defensive to limit fluctuations a little bit, and we have about 20% of that. So that will be, like, your cash, your gold, your fixed interest, for example, to limit fluctuations a little bit. And just for your reference, when we're talking about a time frame, because that's also important, making sure you have enough time in the market. Because the the closer you get through a time and later, then that's when you wanna start slowly reducing that risk. Because if you wanna access your money tomorrow, you don't want that to be a bit of a dip. So making sure we have enough time. So in a growth portfolio, we wanna allow minimum six years to retire. So from a time frame, you are certainly have the time behind you. Yeah. As long as that are you still comfortable with the level of risk and a growth portfolio? Are you still happy with all of that? Has any of your risk tolerance changed, or is it all kind of the same? Yeah. I don't know. Still with the bay. I don't No. really see much of a difference here. I'm just I'm just Yeah. gonna jump out of the car and take a photo of the block of land. I'll just be one sec. Just because some Yes. guy's about to park on it. Just give All me one good. second. Yeah. It's just the original owner. Yeah. Yeah. That's bought off the developer. They just haven't built on it. I've done it three times in the last couple of weeks with different banks. So I think they're just switching banks to before they start building. So they should start building in the next couple of months. Yeah. Yeah. It's getting crazy. Yeah. Alrighty. Oh, funny. No. I'm okay. Thought it's okay. They got, yeah, he's like, oh, I said, who's bought it? Is it already sold? It's not even on the market. Like, Just you calm park down, your buddy.","start_word":5393,"end_word":5970,"sentiment":"neutral","sentiment_score":0.0996247188133352},{"text":"damn trucks on it. I don't think anyone's gonna wanna buy it. The block's absolutely ruined.","start_word":5971,"end_word":5986,"sentiment":"negative","sentiment_score":-0.5520765781402588},{"text":"Oh, really?","start_word":5987,"end_word":5988,"sentiment":"neutral","sentiment_score":-0.23962658643722537},{"text":"That's That's annoying. so funny.","start_word":5989,"end_word":5993,"sentiment":"negative","sentiment_score":-0.5759246945381165},{"text":"Yeah. It says, like, dumped all the rubbish, like and then they backed their cars off, put their parking down to three three of their work cars and then trailers. Maybe you So should have said, no.","start_word":5994,"end_word":6030,"sentiment":"neutral","sentiment_score":-0.26535987854003906},{"text":"Someone has just bought it to stop parking there, please.","start_word":6031,"end_word":6040,"sentiment":"negative","sentiment_score":-0.344498872756958},{"text":"yeah. Oh, that's why I mentioned that they're gonna start building in the next couple months. So Yeah. so So stop it. you're the.","start_word":6041,"end_word":6064,"sentiment":"neutral","sentiment_score":-0.1320580393075943},{"text":"Oh, that's annoying. That's annoying.","start_word":6065,"end_word":6069,"sentiment":"negative","sentiment_score":-0.4375855326652527},{"text":"But those are people that care. Like, I don't know if you live anywhere near, like, a Grace Corridor where there's vacant blocks of land, but the Yes. the yeah. That is, like, people just dump all their rubbish on it on Yeah. the land. Well, there's I'm heat like, up what in, are you doing? like, on on the Gold Coast. Obviously, you are a little bit further up, but I live more like Pacific Pines and stuff. And even where, like, Sandgate Oh, yeah. no. No. Sandgate. Where just off the highway, they are, like, building heats. Morongari or something at the back of there. Yes. Sky Ridge. Yeah. And even, like, when they started there, it was kind of, like, the same because there's, like, mass building. It's happening, and it's like, yeah, sometimes you just say and even, like, over in Sanctuary Cove. No. No. Yeah.","start_word":6070,"end_word":6219,"sentiment":"neutral","sentiment_score":-0.0963914543390274},{"text":"And, like, sometimes as well there, you see that, yeah, these blocks of land, and people are just, like, dumping things in parking cars, and you're just like, that's just a bit rude.","start_word":6220,"end_word":6252,"sentiment":"negative","sentiment_score":-0.388019323348999},{"text":"Yeah.","start_word":6253,"end_word":6253,"sentiment":"neutral","sentiment_score":-0.21806631982326508},{"text":"It's crazy.","start_word":6254,"end_word":6255,"sentiment":"negative","sentiment_score":-0.349491685628891},{"text":"I was next to a vacant block of land. Like, I was one of us because it's mine's a newer new house. And people next to me haven't built on this, but because, like, the people next to me hadn't built on Yeah. this, and then the people that was directly behind them hadn't built on theirs either. So it was just, like, two vacant blocks of land backing onto each other with no fence in the middle. So people and to get to the street behind us, you had to, like, go up my street and then around, like, a loop and then go into that street. So people were Yeah. just using, like, my front yard of my grass to, like, pull their car up onto the curb onto my grass, drive along my grass, and then turn left before this, like, tree thing onto the vacant Oh. land and then drive through both vacant block the land down onto the street behind instead of just No. driving up the street. Yeah.","start_word":6256,"end_word":6429,"sentiment":"neutral","sentiment_score":-0.12318777292966844},{"text":"Anyway, I there's not much I can really do about it, but they broke, like, my irrigation system, obviously, because they're driving Oh, over it. Yeah. Annoying that's hay. Anyway and it's it's so bad.","start_word":6430,"end_word":6464,"sentiment":"negative","sentiment_score":-0.48579755425453186},{"text":"yeah. Yeah.","start_word":6465,"end_word":6466,"sentiment":"neutral","sentiment_score":-0.2620484232902527},{"text":"They they don't really care, like, these people. No.","start_word":6467,"end_word":6475,"sentiment":"negative","sentiment_score":-0.46903619170188904},{"text":"Like, it's now that the people that are behind them, like, behind the vacant block on their land next to me, they've built on theirs and put a fence up.","start_word":6476,"end_word":6505,"sentiment":"neutral","sentiment_score":-0.2968699634075165},{"text":"So people can't do that now.","start_word":6506,"end_word":6511,"sentiment":"negative","sentiment_score":-0.3518243432044983},{"text":"But now it's because, like, it's semi secluded, like, the vacant block of land beside me with all the fencing around except for the front boundary fencing. People just Yeah.","start_word":6512,"end_word":6541,"sentiment":"neutral","sentiment_score":-0.1959837377071381},{"text":"drive their cars up and just, like, dump all their rubbish. No. So I'm like, it's just so silly. Like, I don't Just understand inconsiderate. how people do that.","start_word":6542,"end_word":6570,"sentiment":"negative","sentiment_score":-0.5382508635520935},{"text":"Yeah. Yeah. No. Just like, what Yeah. if it was your land? Like, would you do that? No. Yeah. Yeah. Because the owners have to pay to get rid of it, like, when they build on it. You've gotta actually Yeah. pay to get rid of that concrete. Do you know how expensive it it is to get rid of concrete off your block of land?","start_word":6571,"end_word":6636,"sentiment":"neutral","sentiment_score":-0.22823895514011383},{"text":"You've gotta come pay someone to actually, like, full blown jackhammer it or bring out a, what do you call it, machine.","start_word":6637,"end_word":6658,"sentiment":"negative","sentiment_score":-0.3780497014522553},{"text":"I can Because imagine.","start_word":6659,"end_word":6662,"sentiment":"neutral","sentiment_score":-0.2666485905647278},{"text":"you can't And pull it it's up.","start_word":6663,"end_word":6669,"sentiment":"negative","sentiment_score":-0.3760240972042084},{"text":"heavy.","start_word":6670,"end_word":6670,"sentiment":"neutral","sentiment_score":-0.25118109583854675},{"text":"It's got It's heavy too.","start_word":6671,"end_word":6675,"sentiment":"negative","sentiment_score":-0.33793607354164124},{"text":"yeah. So it's like, Yeah. Yeah.","start_word":6676,"end_word":6681,"sentiment":"neutral","sentiment_score":-0.22056877613067627},{"text":"oh, It's that's silly. that's really Hey. annoying.","start_word":6682,"end_word":6689,"sentiment":"negative","sentiment_score":-0.4715476930141449},{"text":"Anyway, I'm a Hopefully, you little don't have it. Hopefully, you don't ran. have too many more to go evaluations or photos to take of land. So Yeah. we're we're No.","start_word":6690,"end_word":6720,"sentiment":"neutral","sentiment_score":-0.1282259225845337},{"text":"almost I'm already tired.","start_word":6721,"end_word":6724,"sentiment":"negative","sentiment_score":-0.4354228377342224},{"text":"okay.","start_word":6725,"end_word":6725,"sentiment":"neutral","sentiment_score":0.18987703323364255},{"text":"Perfect.","start_word":6726,"end_word":6726,"sentiment":"positive","sentiment_score":0.3742229640483856},{"text":"We're Yeah. almost finished. So what I the documents I mentioned earlier is I have send you send you through them. So have a look at them when you have a moment. Now what you will see in the email so when you do have a moment, when you click on the email, it will say sign now. Before you press sign now, at the bottom of the email, you'll see a couple of attachments. That is just for your reference. So you will see two Okay. documents that's called financial services guide and services guide. Now they are just kind of your compliance documents. It gives you all the important information in regards to us. Nothing has changed. Every time we do make a bit of an update, we'll send you a new one just for your reference, but none of the important information has changed. Now when you do have a look at it, you will, however, see photos of the the team directors, advisers. You will see myself in there if you do wanna put a face to the voice, Yeah. and it's all in there for you. Now, otherwise, you will see a super and insurance summary document, and that just basically gives you a bit of a rundown of where things are at. So at the moment, you have your super with hub 24, and you have a $139,294 in there. Now Okay. I'll send it back. Okay. yeah. Now you also have insurances with Neos. So I'll try to make it easy because you have a bit of insurances. Now you have inside super, you have your life and total permanent disability insurance. Now at the moment, you are insured for 1,319,850. Okay. Are you still happy with that level of cover, or what are your thoughts on your insurances? Yeah. That sounds what was that? Full disability and Sorry. For life, if you were to pass away, but then the biggest one is your total permanent disability.","start_word":6727,"end_word":7060,"sentiment":"neutral","sentiment_score":0.04377328878837431},{"text":"So that is something were to happen to you, and you could never go back to work again, which would obviously have a pretty substantial financial impact, especially being quite far from retirement.","start_word":7061,"end_word":7093,"sentiment":"negative","sentiment_score":-0.3811396658420563},{"text":"So the 1.3 mil, when I do have a look at when you spoke to Dana and you got the insurances put in place, it would pay off your mortgage completely so that, obviously, you're debt free, and then also cover your income after tax for just over five years. So that would give you a bit of a lump sum. So, obviously, there might still be a bit of a gap, but the more insurance you have, the more expensive it is as well. So 1.3 is pretty good at least for it will pay off the the the debt on the property and cover your income if something were to happen for a while. Yeah. Okay. Yeah. Well, what's is that usually, like, where it's sitting for other people? It is one of those things that is so personal because it depends on their situation, but also their contributions is a big thing. So because we also wanna make sure that your contributions are completely eroded by the insurances. So for you, you have the capacity from a contribution wise to have a bit more cover in place to give you that. If something were to happen, a lot of other people might not. So we generally tend to work of about a 30% ratio where we don't want we we wanna make sure that your student continues to grow by still making sure you have cover in place. Now some people, their main focus is I just care about paying out the debt. That's it.","start_word":7094,"end_word":7351,"sentiment":"neutral","sentiment_score":0.0412595234811306},{"text":"I'm happy.","start_word":7352,"end_word":7353,"sentiment":"positive","sentiment_score":0.4136398732662201},{"text":"Some people go, no. I have small kids, for example. I wanna make sure I cover private schools if something were to happen. Or, you know, my partner's not working, so I need to cover their you know, if something were to happen, it's all on me. So it is very individual. But for your reference, just so you can see price as well, so for your life and CPD at the moment, as well as your income protection. So the income protection is if you were temporarily unable to work, and it will pay you a monthly amount of 10,097.","start_word":7354,"end_word":7454,"sentiment":"neutral","sentiment_score":0.035189238773419125},{"text":"So pretty good there.","start_word":7455,"end_word":7458,"sentiment":"positive","sentiment_score":0.7598334550857544},{"text":"Thirty day waiting period, so one of the shortest one, and then a five year benefit period, which is somewhere in the middle with how long you could be on claim for. Now Yes. all those threes are after tax, six thousand two hundred and sixty five. So if you want more cover, it will be more expensive. It's pretty good from where you are at in terms of covering, but then some people go, oh, I don't wanna pay that much, or I don't think I need that much. I just want my mortgage. But then you don't have extra if you need to make modifications to your home or, you know, whatever it might be. So it's quite individual to what your goals are as well. So what do you do you think you'll have to be with that from for the time being with the price and what you have? Or I think so at the moment, and then yep. maybe revisit it Yeah. again soon. So it's currently costing me 6,265 a year. Is that right? Correct. Yes. Yes. So When's we can the always next leave can we, like, check it back in at the end of the year, but not, like, wait till next year? yeah. Of course. Yes. Sorry. And it's one of those things, too. Like, we we have to, at a minimum, do a twelve monthly annual review with you to reassess everything, make sure you're happy for them to agree to remain as a client. But we can do Yes. it way more frequently. I have some client who wants to do six monthly. Some people want quarterly. It completely depends on you. So some people Yeah. go, oh, I don't need that much. I'll let you know if anything changes, where some people really want Okay. that. So Yeah. I can even put a little reminder for the team. Mhmm. Now let me see here. End of the year. So you're thinking, like, October ish? Yep. Yeah. That sounds like Yeah?","start_word":7459,"end_word":7800,"sentiment":"neutral","sentiment_score":0.051083337515592575},{"text":"a good time.","start_word":7801,"end_word":7803,"sentiment":"positive","sentiment_score":0.7689301371574402},{"text":"Alright. Not too I'll close make to Christmas. yeah. Exactly. I'll make a little note. Sorry. Around October, I might do, like, October. I'll get the team Yes. to reach out to you to see if you would like to revisit it. If you have a think about it and then you go, no. I wanna do it early. You can always call me whenever, Yes. and we can Yes. always push it forward. Or if we call you in October and you go, I don't really have time right now. Let's do it in another three, six months. That's fine. But I'll put a little reminder to have a little chat to you at least in October unless we hear from you before just to touch base with the insurances. Otherwise, we will leave it now, and that's all in place. Now aside from that, you also have insurances you pay for out of pocket.","start_word":7804,"end_word":7959,"sentiment":"neutral","sentiment_score":0.08586739748716354},{"text":"So you have a split, TPD and IP, so meaning you have a portion paid outside super so you can get a a couple of additional benefits and better definitions of the policy, which is great, as well as a trauma cover for covering you for traumatic events.","start_word":7960,"end_word":8007,"sentiment":"positive","sentiment_score":0.3719382584095001},{"text":"Now you have Yeah. that. That was a tax free lump sum payment paid directly to you if something were to happen like that, and that is covering you for a 100 and Okay. 41,000. Now that is costing was that sorry? What's that going for? Is that, like, if I lose my leg or something that I can still, like, work? So that's traumatic? It's it is quite dependent on the definition of each insurer, but, typically, the biggest ones we would see are like, the ones that get paid out the most is, like, your heart attack, stroke, cancers, neurological condition. So it would be what they would call, like, your traumatic events. So if something were to happen so let's say that yeah. Like I said, the biggest ones is, like, cancers and stuff, heart attack. Because let's say, in theory, Yeah. if you have a bad heart attack, you go to hospital, but then, technically, you could be fine to go back to work within two weeks, maybe three weeks. You're Oh not my gonna god. get paid income protection because you are back at work within the waiting period. But you might want to take some time further time off. You might want to have someone come and stay with you to assist, or you might need to see a heart specialist or whatever it might be. This is when this come in really handy to give you a tax free lump sum to assist if anything Yes. were to happen. And it it gets paid pretty quickly as well because the other ones, you have to have doctors, you know, confirming that you can't perform your work duties and stuff like that. Whereas this is if you just get the diagnosis, you will get it paid out as long as it's on, you know, the list of conditions for you. Okay.","start_word":8008,"end_word":8324,"sentiment":"neutral","sentiment_score":0.00041976253787049734},{"text":"That's good.","start_word":8325,"end_word":8326,"sentiment":"positive","sentiment_score":0.4425272047519684},{"text":"I mean, because Yeah. because I never needed it, but that's good to hear. Yes. So if anything ever happens, though, if you're unsure like, if anything ever were to happen, like, if you get a significant health, you know, injury or a diagnosis or anything and you're not sure, you can always just call me, and I can check it for you, especially that that trauma. Mhmm. But or if anything were to happen and you can't work for any period of time, again, just call me, and we'll see if we can get, Yep. you know, any insurances paid out for you. So you don't ever Okay. have to speak to the insurance directly. You can just call me, and they will will do that for you. Yeah. Thank you. No. That's okay. But, basically, having that out of pocket, it's it is deducted monthly, I believe, but the total premium per year is 1,217 for that. Yeah. I think it just comes out of my account. Yes. Nearly, doesn't Yeah. Usually, it's just yeah. Exactly. Just direct debited. it? Yep.","start_word":8327,"end_word":8509,"sentiment":"neutral","sentiment_score":0.008153988979756832},{"text":"So that is good. You do have lots of amount of cover there, which is good.","start_word":8510,"end_word":8525,"sentiment":"positive","sentiment_score":0.6916738077998161},{"text":"Now, otherwise, in the document there in the email, you will see certificate of currency for you. It basically just breaks down the insurances I just touched on in a bit more information if you do wanna have a read over it. But, otherwise, just let you know that's all paid and and up to date. You'll also have a Vanguard index chart. This one's here. It's just kind of been added as it is a good representation of what we are talking about when we're talking about the market. But, basically, when you have a look at it, it's a bit of a graph dating back to 1995 through to 2025. Makes more sense when you have a look at it, but it shows you kind of all the ups and downs in the market. But overall, you will see that market always goes up long term. Short term, depending on what is going on in the world, you will have some ups and downs and market fluctuations. Yeah. Okay. And then the last document you will have is your performance report, and that basically breaks down all your individual investments and what has happened in the last twelve months. Now over the last twelve months, we have seen quite a bit of fluctuation in the market. I'm sure you've seen a bit on the news and everything like that as well. So Okay. we had obviously everything in The US going on with Trump and tariffs and everything, and, obviously, more recently, the war. So we have seen quite a bit of fluctuations in the last twelve months.","start_word":8526,"end_word":8795,"sentiment":"neutral","sentiment_score":0.09381141513586044},{"text":"But despite that, your portfolio is still up, which is good.","start_word":8796,"end_word":8806,"sentiment":"positive","sentiment_score":0.3558749258518219},{"text":"So it is Okay. up Yep. after fees by about 4.77%, which might seem modest compared to, you know, other times, but it is important to recognize that they are across the different markets that has been quite uneven this year. And if we do kind of break down the individual investment, we can see that a large portion of the global market markets that you have in your portfolio have done really well. So we saw kind of the biggest contributors from The US market through the S and P 500 for you.","start_word":8807,"end_word":8900,"sentiment":"neutral","sentiment_score":0.16502879559993744},{"text":"We saw a really good contribution. We also saw a lot a lot of the tech companies and stuff do really well. Your gold was doing really well. So, overall, we saw good exposures from there.","start_word":8901,"end_word":8936,"sentiment":"positive","sentiment_score":0.5538842678070068},{"text":"But at the same time, you know, the way that your portfolio is put together, it is also to complement each other. So where some areas might do really well, there might be other areas that might not that kind of complement each other as well. So we don't wanna have everything into one sector or region or area. So at some point, it's amazing, and then other years, it's, you know, going down by quite a bit. But we wanna obviously Yes. balance it out for you. So some of the areas I've seen a bit more fluctuations, the kind of underperformance a little bit is the the Benelong Australian equity for you. Now that is the Australian investment. Yes. Now with this investment here, I would like to look at changing it for you.","start_word":8937,"end_word":9072,"sentiment":"neutral","sentiment_score":0.0697302296757698},{"text":"So we've done a lot of research on this spend along Australian investment for you, and they were one of the best performing fund managers and had done really well.","start_word":9073,"end_word":9102,"sentiment":"positive","sentiment_score":0.35416048765182495},{"text":"Now the purpose of why this was added to your portfolio was to actively buy and sell different investments in order to try to outperform the market. More recently, they have been underperforming a little bit and little been a little bit slower in making their decisions. And if that is the case as well and we foresee that it's not going to come back around all these better options out there, we wanna make sure we change the investment for you because it's not one of those things we just leave it be. If we do a little research and we could see that one well, that's not potentially the best one moving forward because that's going to happen as well because especially with market trends and everything changing. We wanna Yes. make sure we we change it for you. So if you are happy for me to do so, I would like to go ahead and change the investment for you to an Yes. alternative, which is your BetaShares a 200. What it is, it's again, we wanna make sure you have some exposure to the Australian market as well. So if we swap one out, we wanna make sure we swap it with a competitive similar option. But Yes.","start_word":9103,"end_word":9314,"sentiment":"neutral","sentiment_score":-0.04004976019825576},{"text":"this one is a little bit cheaper for you, which is good because it's more kind of just tracking the 200 largest companies listed in Australia.","start_word":9315,"end_word":9340,"sentiment":"positive","sentiment_score":0.5049079656600952},{"text":"So still Yes. very diversified, but you don't have that same kind of active buying and selling more frequently because that comes with a cost as well. And if it's not being met if it's not it's not worth paying the fee to have that active management if it's not outperforming, So we are then looking Yep.","start_word":9341,"end_word":9397,"sentiment":"neutral","sentiment_score":0.0946640446782112},{"text":"at this option, which is a little bit cheaper for you, which is great. So we'll see the fees reduced a little bit, but it's actually been performing a little bit better than Benelon for you.","start_word":9398,"end_word":9433,"sentiment":"positive","sentiment_score":0.4681457281112671},{"text":"So Okay.","start_word":9434,"end_word":9435,"sentiment":"neutral","sentiment_score":0.2654930055141449},{"text":"That sounds if good. you are happy for me to do that, Renee, what I will do is Yep.","start_word":9436,"end_word":9454,"sentiment":"positive","sentiment_score":0.45026859641075134},{"text":"I will send you a record of advice via email. You don't have to sign or anything, but it is just there for your reference. So we're letting you know we have made that investment change. Okay? Yep. Yeah. Yeah. Yep.","start_word":9455,"end_word":9495,"sentiment":"neutral","sentiment_score":0.2321947067975998},{"text":"Sounds good.","start_word":9496,"end_word":9497,"sentiment":"positive","sentiment_score":0.4351395070552826},{"text":"K.","start_word":9498,"end_word":9498,"sentiment":"neutral","sentiment_score":0.2443152219057083},{"text":"Perfect.","start_word":9499,"end_word":9499,"sentiment":"positive","sentiment_score":0.4221036732196808},{"text":"Now the last two documents actually there, sorry sorry, Renee, is that when if you're happy to do so, when you then press the link where it says sign now, it will ask you to sign two documents.","start_word":9500,"end_word":9537,"sentiment":"neutral","sentiment_score":0.15047168731689453},{"text":"Now one is an ongoing service agreement, and that is just to say that you are happy to stay on this as client.","start_word":9538,"end_word":9560,"sentiment":"positive","sentiment_score":0.39414718747138977},{"text":"Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from Super, so nothing out of pocket. No changes in regards to the fee structure. So this just lets us keep servicing your account and everything in the meantime, and it is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But, otherwise, it is something we do have to do every 12 just to make sure you're happy with everything and that we can keep servicing you. Does that make sense? Yes. Yes. That's Yep. fine.","start_word":9561,"end_word":9668,"sentiment":"neutral","sentiment_score":0.2190822511911392},{"text":"Perfect.","start_word":9669,"end_word":9669,"sentiment":"positive","sentiment_score":0.4723154902458191},{"text":"And there might also be a tax file number form. Again, it's another compliance document.","start_word":9670,"end_word":9684,"sentiment":"neutral","sentiment_score":0.1377507597208023},{"text":"Basically, just lets you know that we are keeping your tax file number secure and safe on file.","start_word":9685,"end_word":9702,"sentiment":"positive","sentiment_score":0.33849114179611206},{"text":"Now I know that was probably a lot, but do you have any questions for me? Okay. So that I just clicked on that sign here thing, and there was only one signature section.","start_word":9703,"end_word":9736,"sentiment":"neutral","sentiment_score":0.07117020338773727},{"text":"Perfect. So you probably have signed that tax file number last time probably then, which is good. So that would just be that ongoing service agreement just to say, yeah, you're happy with that. So it should just be the one, and it should be that electronic signature date.","start_word":9737,"end_word":9785,"sentiment":"positive","sentiment_score":0.5463685989379883},{"text":"And when you I think it says validate. When you press validate, it will then send it back to me, and I will let the team know that we can get that all processed for you. Yep. I think I just did that. I think you should I think maybe. I'll have a little refresh. Oh, yes.","start_word":9786,"end_word":9842,"sentiment":"neutral","sentiment_score":0.2099943459033966},{"text":"Perfect. That's all come through.","start_word":9843,"end_word":9847,"sentiment":"positive","sentiment_score":0.37189728021621704},{"text":"Now if you do wanna go back and have a look through the document later, it's all saved on your account for you if you go back into that email. If not, I always have the copies on file if you ever do wanna have a look at that. Otherwise, I will get that ROA for you to show you the investment change. I will get that processed for you. Now it might be a little bit later in the week. But before the end of the week, you will have that in your inbox for your reference. I will also get the team to prefill those beneficiary forms for you for the will and get it sent out. I'll get the team to contact you at the October to see if you wanna revisit insurances, and then I'll also get Yep. in touch with our contact to see if I can find any more information about that private health insurance for you. If I can't, like I said, I will still send you an email so that you know I've looked into it for you, and I'm not just leaving you hanging again. Yeah. Yeah. Yeah. Do you have any other questions for me or need anything else otherwise before I let you go and enjoy the rest of your afternoon? No. That's everything. No. Well, good.","start_word":9848,"end_word":10075,"sentiment":"neutral","sentiment_score":0.1883620321750641},{"text":"Thanks Yeah. for your help. Beautiful.","start_word":10076,"end_word":10081,"sentiment":"positive","sentiment_score":0.4956880807876587},{"text":"No problem. So If there is so yeah. well, how did I have a time limit on and I don't have a time limit on signing that form with a witness that you'll send out, But is there a time limit on getting a will done up after that? Like, No. obviously, No. it should be, like, straight away, but, you No. know, The there only are thing no that would time limit. happen if you do have it, it says it goes to the will. And if there is no will, it will just if you don't have anything. So there is no time for it. Obviously, try when you can, but no. There is no time constraints of when you have to do it. Like, it won't expire or anything like that. It's more just if something were to happen. That's it. But no no time difference. No. Yeah. But Yeah. if That's there is great. anything I can get one in from the price office, can't I? If yes. I don't Yep. go to You a could. Yes. You could. The only thing just be mindful of, like, reading the terms and condition. Make sure you complete it correctly. And like I said, you can always email me a copy. I can keep it on file for you if something were to happen as well. Yep.","start_word":10082,"end_word":10310,"sentiment":"neutral","sentiment_score":-0.010964281836679147},{"text":"Beautiful.","start_word":10311,"end_word":10311,"sentiment":"positive","sentiment_score":0.41908812522888184},{"text":"No. That's alright.","start_word":10312,"end_word":10314,"sentiment":"neutral","sentiment_score":0.22134649753570557},{"text":"Well, I will let you go and enjoy the rest of your afternoon.","start_word":10315,"end_word":10327,"sentiment":"positive","sentiment_score":0.5022131204605103},{"text":"Hopefully, it's not too busy for you. But if there is anything that you need from me at any point in time, though, before October, just give me a call, and we can always book in for a bit of a catch up. Yep.","start_word":10328,"end_word":10371,"sentiment":"neutral","sentiment_score":0.123310424387455},{"text":"That sounds good. Thank Yep. you so much for that.","start_word":10372,"end_word":10381,"sentiment":"positive","sentiment_score":0.4872377514839173},{"text":"And if I No don't problem talk to you at before all. you have the baby, who was I for the baby? Right? Yeah. Yeah.","start_word":10382,"end_word":10406,"sentiment":"neutral","sentiment_score":0.10264915227890016},{"text":"Thank you so much.","start_word":10407,"end_word":10410,"sentiment":"positive","sentiment_score":0.49889278411865234},{"text":"I'll be here till about September, mid September. So if you need anything before mid September, I'm here.","start_word":10411,"end_word":10428,"sentiment":"neutral","sentiment_score":0.2287045121192932},{"text":"If not, I will let the team know, and you'll be in very capable hands as well.","start_word":10429,"end_word":10445,"sentiment":"positive","sentiment_score":0.37551018595695496},{"text":"So I'll still Okay. We be here should for schedule a little bit. the call back in September instead of yeah. Yes. I can do that if you want. Yeah. You probably Yeah? do that, and then you probably Perfect. go to labor, like, August. Who knows? But at least if it's there, you know, August might be a Yeah. bit early, but maybe maybe the I'll put it I'll Yeah. put it September, and Yeah. then we can't oh, actually, no. I'll leave it August just to give it enough time just in case. Yeah. If you don't have time, then at least we'll touch base. And if you don't have time, we'll I'll pass it I'll on talk to my to you colleague. when you get back. Yeah. Yeah. Then Exactly. tell me all about how much of it you haven't had.","start_word":10446,"end_word":10589,"sentiment":"neutral","sentiment_score":0.037371313095920615},{"text":"Alright. We look forward to that.","start_word":10590,"end_word":10595,"sentiment":"positive","sentiment_score":0.5007104277610779},{"text":"Yeah. No.","start_word":10596,"end_word":10597,"sentiment":"neutral","sentiment_score":0.192352831363678},{"text":"Beautiful. Thank you so much, Renee. It's lovely speaking with you. And anything else you you need, just let me know. You too. Thank you so much.","start_word":10598,"end_word":10624,"sentiment":"positive","sentiment_score":0.722577691078186},{"text":"I'll chat to you No later. worries. Chat soon. Bye. Bye.","start_word":10625,"end_word":10635,"sentiment":"neutral","sentiment_score":0.2258208990097046}],"average":{"sentiment":"neutral","sentiment_score":0.013461082371686197}}}}