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Fantastic. And, Kat, I just need you to confirm your full name, date of birth, and address, please. Yes, please. Beautiful. Thank you. I was just touching base with you today to see how you're feeling following our conversation on Wednesday, what your thoughts are. Yep. Yep. Yep. Yeah. Okay. So what I was probably referencing more than anything is if you wanted to pay it down quicker, we can come up with a strategy to do so in a certain amount of time depending on what your goals and objectives were. So, for example, if you wanted to pay down your debt, which you I'm assuming you'd be able to do as a banker anyway. But if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time. For advice from me. Mhmm. Mhmm. Alright. Give me one second, and I will tell you. Did you have a think about your insurances any further? Yeah. Of course. No. You're fine. That's absolutely fine. I'm just fine. Mhmm. Yep. Yeah. That's right. Alright. Beautiful. Because there was something that I just needed to talk to you briefly about. So we did a pre assessment with the insurance companies. And at the moment and what they do is they look at your so the the health that, you know, that pre assessment we went through where I asked a lot of imposing questions. So at the moment, I've had one of our team members do a pre assessment. So life insurance at the moment, they're willing to give to you, but it's got a 150% loading. So say, for example, it was a $100 for a year, it would be $250 for a year based on the fact that you're just going through a weight loss journey at the moment, and they look at your BMI. So they so based on that, that's the outcome. But what I've been able to do is one of the super funds we're working with at the moment that Sandile's also with is they're offering group cover with no underwriting. It's not gonna give you the full amount of cover that you want. It will give you $200,000 of death cover and TPD and would have to look at applying for income protection. But that's no underwriting at the moment. And what it would mean is once you have your BMI is under forty, they would then look at offering you cover with the retail underwriters. So how they calculate that is is they look at your weight now and your height and your BMI. And even though you've lost 12 kilos, they still add back six kilos for the time being until you've gone through your initial weight loss journey to allow for that. So let me tell you what the insurance companies are actually looking at at the moment that your BMI is. Sorry. It's very I feel so rude when I talk about this sort of stuff because it's just not nice. It's it's just not nice. Okay. So you are a hundred and fifty seven centimeters and a hundred and two. So if we add six back onto that, that's a hundred and eight. Your BMI is sitting at about forty three point eight at the moment. As soon as it gets under that 40, we can look at applying for retail cover, which will give you those higher levels of cover. But at the moment, to get life and TPD, you can through group cover with your insurance fund and, obviously your insurance fund, your super fund. And, obviously, you've got a little bit with your super fund at the moment. So I what I have to do is I need to go and cross check and see what we can and can't do because we don't wanna put you in a worse off position. So I I do need to just do a little bit of research on that. And with the the the the debt consolidate or the debt strategy just give me one moment. I'm just looking for that. Sorry? Yeah. And that's what they base it off. Unfortunately, statistics. Let me okay. I'm just having a quick look. I'm just getting that information. Implementation fee. I believe it is covered under the implementation fee. So you know that fee that we talked about earlier on Wednesday? I'm just getting confirmation right now because I need to confirm because I don't wanna give you the wrong information. And we're it's our work from it's our work from home day today as well. So I'm just handing quickly one of my colleagues just to make sure that I get the right info before we go any further. No. You're absolutely fine. So you can choose to pay that out of pocket, or you can choose to have that funded from your super fund. It is up to you just depending on the type of advice. So say, for example, we only do superannuation, then that's fine. If we do a little bit of a of a debt fee, it might be 4,005 4,750 from super and 200 from you personally because we can't access super early. We can't so it it's about accessing super early and not breaching those rules. So because it is for debt, say, for example, we prorated, it might be that, you know, a couple of 100 is payable by you Personally, we and the rest would be made up out of your super fund, but I'm just Tommy's typing very, very slow at the moment, so I apologize. Won't be a moment. Any other questions? Because it was information overload. That's for sure. Yes. Mhmm. Yep. Yep. Yep. Fantastic. So you you're possibly looking at refinancing the debt into one as well if you can? Mhmm. Yep. Yeah. Yep. Okay. Okay. What I might get you to do for me following this call is with your debts, can you just email me through? Do you have my email address? You sure? Of course. I can do that. I'll do that now. The reason being is sorry. I'm just reading this. Tommy's assistant. Okay. So what we would do is we'd do the super and insurance advice first and then look at that strategy phase because you'll be an ongoing client then. But I actually think that you're probably it's not probably anything that I'm gonna like, any debt reduction. It's gonna be you're gonna broker that can probably help you in this space. I actually think the debt would be from a broker perspective. But in the meantime, what I'm going to do is I'm gonna send you an email. If you and I'll I'll just put in the email. Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you. I think that will work better. I'm just getting together some details. Alright. So I'm gonna send that through to you. But as of Monday, I will start looking at options for you and start getting your advice document ready for your super and your insurance. And, I suspect in about potentially two weeks, we'll have that altogether for you to present and get underway probably less than two weeks ideally. And then and I'll also in the meantime, once I get that information, I'll talk to one of the brokers that we use to see what can be done for you or for like, how they if they have any strategy that they can help. No worries at all. I'm gonna send you through an email now. And as of Monday, I will start working on your file. No. That is our absolute pressure a pleasure. So you can tell it's nearly finished time because I'm mixing my words up. That's right. Beautiful. Alright. Well, enjoy your weekend, Kat, and I will speak with you very soon. Okay. You too. Bye. 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good, Kat. How are you? No. You're absolutely fine. Just before I go any further, I need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? Fantastic. And, Kat, I just need you to confirm your full name, date of birth, and address, please. Yes, please. Beautiful.\n\nThank you. I was just touching base with you today to see how you're feeling following our conversation on Wednesday, what your thoughts are. Yep. Yep. Yep.\n\nYeah. Okay. So what I was probably referencing more than anything is if you wanted to pay it down quicker, we can come up with a strategy to do so in a certain amount of time depending on what your goals and objectives were. So, for example, if you wanted to pay down your debt, which you I'm assuming you'd be able to do as a banker anyway. But if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time.\n\nFor advice from me. Mhmm. Mhmm. Alright. Give me one second, and I will tell you.\n\nDid you have a think about your insurances any further? Yeah. Of course. No. You're fine.\n\nThat's absolutely fine. I'm just fine. Mhmm. Yep. Yeah.\n\nThat's right. Alright. Beautiful. Because there was something that I just needed to talk to you briefly about. So we did a pre assessment with the insurance companies.\n\nAnd at the moment and what they do is they look at your so the the health that, you know, that pre assessment we went through where I asked a lot of imposing questions. So at the moment, I've had one of our team members do a pre assessment. So life insurance at the moment, they're willing to give to you, but it's got a 150% loading. So say, for example, it was a $100 for a year, it would be $250 for a year based on the fact that you're just going through a weight loss journey at the moment, and they look at your BMI. So they so based on that, that's the outcome.\n\nBut what I've been able to do is one of the super funds we're working with at the moment that Sandile's also with is they're offering group cover with no underwriting. It's not gonna give you the full amount of cover that you want. It will give you $200,000 of death cover and TPD and would have to look at applying for income protection. But that's no underwriting at the moment. And what it would mean is once you have your BMI is under forty, they would then look at offering you cover with the retail underwriters.\n\nSo how they calculate that is is they look at your weight now and your height and your BMI. And even though you've lost 12 kilos, they still add back six kilos for the time being until you've gone through your initial weight loss journey to allow for that. So let me tell you what the insurance companies are actually looking at at the moment that your BMI is. Sorry. It's very I feel so rude when I talk about this sort of stuff because it's just not nice.\n\nIt's it's just not nice. Okay. So you are a hundred and fifty seven centimeters and a hundred and two. So if we add six back onto that, that's a hundred and eight. Your BMI is sitting at about forty three point eight at the moment.\n\nAs soon as it gets under that 40, we can look at applying for retail cover, which will give you those higher levels of cover. But at the moment, to get life and TPD, you can through group cover with your insurance fund and, obviously your insurance fund, your super fund. And, obviously, you've got a little bit with your super fund at the moment. So I what I have to do is I need to go and cross check and see what we can and can't do because we don't wanna put you in a worse off position. So I I do need to just do a little bit of research on that.\n\nAnd with the the the the debt consolidate or the debt strategy just give me one moment. I'm just looking for that. Sorry? Yeah. And that's what they base it off.\n\nUnfortunately, statistics. Let me okay. I'm just having a quick look. I'm just getting that information. Implementation fee.\n\nI believe it is covered under the implementation fee. So you know that fee that we talked about earlier on Wednesday? I'm just getting confirmation right now because I need to confirm because I don't wanna give you the wrong information. And we're it's our work from it's our work from home day today as well. So I'm just handing quickly one of my colleagues just to make sure that I get the right info before we go any further.\n\nNo. You're absolutely fine. So you can choose to pay that out of pocket, or you can choose to have that funded from your super fund. It is up to you just depending on the type of advice. So say, for example, we only do superannuation, then that's fine.\n\nIf we do a little bit of a of a debt fee, it might be 4,005 4,750 from super and 200 from you personally because we can't access super early. We can't so it it's about accessing super early and not breaching those rules. So because it is for debt, say, for example, we prorated, it might be that, you know, a couple of 100 is payable by you Personally, we and the rest would be made up out of your super fund, but I'm just Tommy's typing very, very slow at the moment, so I apologize. Won't be a moment. Any other questions?\n\nBecause it was information overload. That's for sure. Yes. Mhmm. Yep.\n\nYep. Yep. Fantastic. So you you're possibly looking at refinancing the debt into one as well if you can? Mhmm.\n\nYep. Yeah. Yep. Okay. Okay.\n\nWhat I might get you to do for me following this call is with your debts, can you just email me through? Do you have my email address? You sure? Of course. I can do that.\n\nI'll do that now. The reason being is sorry. I'm just reading this. Tommy's assistant. Okay.\n\nSo what we would do is we'd do the super and insurance advice first and then look at that strategy phase because you'll be an ongoing client then. But I actually think that you're probably it's not probably anything that I'm gonna like, any debt reduction. It's gonna be you're gonna broker that can probably help you in this space. I actually think the debt would be from a broker perspective. But in the meantime, what I'm going to do is I'm gonna send you an email.\n\nIf you and I'll I'll just put in the email. Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you. I think that will work better. I'm just getting together some details. Alright.\n\nSo I'm gonna send that through to you. But as of Monday, I will start looking at options for you and start getting your advice document ready for your super and your insurance. And, I suspect in about potentially two weeks, we'll have that altogether for you to present and get underway probably less than two weeks ideally. And then and I'll also in the meantime, once I get that information, I'll talk to one of the brokers that we use to see what can be done for you or for like, how they if they have any strategy that they can help. No worries at all.\n\nI'm gonna send you through an email now. And as of Monday, I will start working on your file. No. That is our absolute pressure a pleasure. So you can tell it's nearly finished time because I'm mixing my words up.\n\nThat's right. Beautiful. Alright. Well, enjoy your weekend, Kat, and I will speak with you very soon. Okay.\n\nYou too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"I'm good, Kat.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.4870585302511851},{"text":"How are you?","start":3.84,"end":4.74,"sentiment":"positive","sentiment_score":0.3937935431798299},{"text":"No.","start":8.639999,"end":8.88,"sentiment":"neutral","sentiment_score":-0.0003073103725910187},{"text":"You're absolutely fine.","start":8.88,"end":10.42,"sentiment":"neutral","sentiment_score":0.17101442317167917},{"text":"Just before I go any further, I need to let you know that our calls are recorded for quality and coaching purposes.","start":10.48,"end":18.675,"sentiment":"neutral","sentiment_score":0.014848367480391806}],"sentiment":"neutral","sentiment_score":0.10881113325012848,"num_words":32,"start":2.8799999,"end":18.675},{"sentences":[{"text":"Is that okay?","start":18.735,"end":19.715,"sentiment":"neutral","sentiment_score":0.04213909928997358},{"text":"Fantastic.","start":22.095,"end":22.595,"sentiment":"positive","sentiment_score":0.5161728858947754},{"text":"And, Kat, I just need you to confirm your full name, date of birth, and address, please.","start":23.375,"end":28.13,"sentiment":"neutral","sentiment_score":0.08229898179278654},{"text":"Yes, please.","start":39.79,"end":40.455,"sentiment":"neutral","sentiment_score":0.026652414351701736},{"text":"Beautiful.","start":43.415,"end":43.915,"sentiment":"positive","sentiment_score":0.570166826248169}],"sentiment":"neutral","sentiment_score":0.11104768871640165,"num_words":24,"start":18.735,"end":43.915},{"sentences":[{"text":"Thank you.","start":44.135002,"end":44.875,"sentiment":"positive","sentiment_score":0.635562002658844},{"text":"I was just touching base with you today to see how you're feeling following our conversation on Wednesday, what your thoughts are.","start":45.175003,"end":57.25,"sentiment":"neutral","sentiment_score":0.29448954557830637},{"text":"Yep.","start":57.25,"end":57.75,"sentiment":"neutral","sentiment_score":0.15688900649547577},{"text":"Yep.","start":62.37,"end":62.87,"sentiment":"neutral","sentiment_score":0.12256205081939696},{"text":"Yep.","start":72.77251,"end":73.27251,"sentiment":"neutral","sentiment_score":0.08893313258886337}],"sentiment":"neutral","sentiment_score":0.3006769702942283,"num_words":27,"start":44.135002,"end":73.27251},{"sentences":[{"text":"Yeah.","start":104.615005,"end":104.855,"sentiment":"neutral","sentiment_score":0.022680751979351044},{"text":"Okay.","start":104.855,"end":105.255005,"sentiment":"neutral","sentiment_score":0.042885031551122665},{"text":"So what I was probably referencing more than anything is if you wanted to pay it down quicker, we can come up with a strategy to do so in a certain amount of time depending on what your goals and objectives were.","start":105.255005,"end":123.875,"sentiment":"neutral","sentiment_score":0.09993507704209714},{"text":"So, for example, if you wanted to pay down your debt, which you I'm assuming you'd be able to do as a banker anyway.","start":123.875,"end":130.61499,"sentiment":"neutral","sentiment_score":0.011037406628020108},{"text":"But if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time.","start":131.235,"end":156.50499,"sentiment":"neutral","sentiment_score":0.03999968418585403}],"sentiment":"neutral","sentiment_score":0.053099381676672594,"num_words":138,"start":104.615005,"end":156.50499},{"sentences":[{"text":"For advice from me.","start":165.45999,"end":169.15999,"sentiment":"neutral","sentiment_score":0.013485947158187628},{"text":"Mhmm.","start":176.395,"end":176.895,"sentiment":"neutral","sentiment_score":0.02645787224173546},{"text":"Mhmm.","start":178.155,"end":178.655,"sentiment":"neutral","sentiment_score":-0.020374028012156487},{"text":"Alright.","start":182.155,"end":182.555,"sentiment":"neutral","sentiment_score":0.0401260070502758},{"text":"Give me one second, and I will tell you.","start":182.555,"end":186.495,"sentiment":"neutral","sentiment_score":0.026009828887052007}],"sentiment":"neutral","sentiment_score":0.020890131243504584,"num_words":16,"start":165.45999,"end":186.495},{"sentences":[{"text":"Did you have a think about your insurances any further?","start":186.715,"end":194.43,"sentiment":"neutral","sentiment_score":0.00012585809454321862},{"text":"Yeah.","start":198.17,"end":198.49,"sentiment":"neutral","sentiment_score":0.02050699293613434},{"text":"Of course.","start":198.49,"end":199.15,"sentiment":"neutral","sentiment_score":0.03349034674465656},{"text":"No.","start":220.43,"end":220.75,"sentiment":"neutral","sentiment_score":-0.1135108768939972},{"text":"You're fine.","start":220.75,"end":221.39,"sentiment":"neutral","sentiment_score":-0.009424841031432152}],"sentiment":"neutral","sentiment_score":-0.0027258932241238662,"num_words":16,"start":186.715,"end":221.39},{"sentences":[{"text":"That's absolutely fine.","start":221.39,"end":222.69,"sentiment":"neutral","sentiment_score":0.221997598807017},{"text":"I'm just fine.","start":222.75,"end":223.73,"sentiment":"neutral","sentiment_score":0.20744060476620993},{"text":"Mhmm.","start":230.92499,"end":231.42499,"sentiment":"neutral","sentiment_score":0.030139051377773285},{"text":"Yep.","start":235.405,"end":235.905,"sentiment":"neutral","sentiment_score":0.007985500618815422},{"text":"Yeah.","start":237.08499,"end":237.325,"sentiment":"neutral","sentiment_score":0.08351403474807739}],"sentiment":"neutral","sentiment_score":0.15666146638492742,"num_words":9,"start":221.39,"end":237.325},{"sentences":[{"text":"That's right.","start":237.325,"end":238.14499,"sentiment":"neutral","sentiment_score":0.11771880090236664},{"text":"Alright.","start":238.77,"end":239.25,"sentiment":"neutral","sentiment_score":0.28866663575172424},{"text":"Beautiful.","start":239.25,"end":239.75,"sentiment":"positive","sentiment_score":0.4700608849525452},{"text":"Because there was something that I just needed to talk to you briefly about.","start":239.81,"end":242.85,"sentiment":"neutral","sentiment_score":0.09091522863933019},{"text":"So we did a pre assessment with the insurance companies.","start":242.85,"end":245.59,"sentiment":"neutral","sentiment_score":0.026667204312980176}],"sentiment":"neutral","sentiment_score":0.09048751309247953,"num_words":28,"start":237.325,"end":245.59},{"sentences":[{"text":"And at the moment and what they do is they look at your so the the health that, you know, that pre assessment we went through where I asked a lot of imposing questions.","start":246.37,"end":259.195,"sentiment":"neutral","sentiment_score":0.024238859467646656},{"text":"So at the moment, I've had one of our team members do a pre assessment.","start":261.575,"end":266.155,"sentiment":"neutral","sentiment_score":0.017806479707360268},{"text":"So life insurance at the moment, they're willing to give to you, but it's got a 150% loading.","start":266.9,"end":273.13998,"sentiment":"neutral","sentiment_score":0.010345491011523537},{"text":"So say, for example, it was a $100 for a year, it would be $250 for a year based on the fact that you're just going through a weight loss journey at the moment, and they look at your BMI.","start":273.13998,"end":289.10498,"sentiment":"neutral","sentiment_score":0.013040657318197191},{"text":"So they so based on that, that's the outcome.","start":290.04498,"end":294.42,"sentiment":"neutral","sentiment_score":0.047765602668126426}],"sentiment":"neutral","sentiment_score":0.019215120452231373,"num_words":116,"start":246.37,"end":294.42},{"sentences":[{"text":"But what I've been able to do is one of the super funds we're working with at the moment that Sandile's also with is they're offering group cover with no underwriting.","start":294.42,"end":309.815,"sentiment":"neutral","sentiment_score":0.12531975584645424},{"text":"It's not gonna give you the full amount of cover that you want.","start":310.675,"end":314.935,"sentiment":"neutral","sentiment_score":0.07429403066635132},{"text":"It will give you $200,000 of death cover and TPD and would have to look at applying for income protection.","start":315.155,"end":323.13,"sentiment":"neutral","sentiment_score":0.05859280545264482},{"text":"But that's no underwriting at the moment.","start":324.31003,"end":326.81003,"sentiment":"neutral","sentiment_score":0.01717034062104566},{"text":"And what it would mean is once you have your BMI is under forty, they would then look at offering you cover with the retail underwriters.","start":327.35,"end":343.54498,"sentiment":"neutral","sentiment_score":0.05831200013367029}],"sentiment":"neutral","sentiment_score":0.0789576837812195,"num_words":97,"start":294.42,"end":343.54498},{"sentences":[{"text":"So how they calculate that is is they look at your weight now and your height and your BMI.","start":344.485,"end":350.12,"sentiment":"neutral","sentiment_score":0.05635976418852806},{"text":"And even though you've lost 12 kilos, they still add back six kilos for the time being until you've gone through your initial weight loss journey to allow for that.","start":350.74002,"end":361.14,"sentiment":"neutral","sentiment_score":-0.015264734718948602},{"text":"So let me tell you what the insurance companies are actually looking at at the moment that your BMI is.","start":361.14,"end":370.23502,"sentiment":"neutral","sentiment_score":-0.003100342396646738},{"text":"Sorry.","start":372.135,"end":372.45502,"sentiment":"neutral","sentiment_score":-0.24474449455738068},{"text":"It's very I feel so rude when I talk about this sort of stuff because it's just not nice.","start":372.45502,"end":380.37,"sentiment":"negative","sentiment_score":-0.4581391309436999}],"sentiment":"neutral","sentiment_score":-0.09436518373491054,"num_words":89,"start":344.485,"end":380.37},{"sentences":[{"text":"It's it's just not nice.","start":380.90997,"end":382.61,"sentiment":"negative","sentiment_score":-0.62837895154953},{"text":"Okay.","start":383.47,"end":383.87,"sentiment":"neutral","sentiment_score":-0.12532201409339905},{"text":"So you are a hundred and fifty seven centimeters and a hundred and two.","start":383.87,"end":391.755,"sentiment":"neutral","sentiment_score":-0.08076701126992702},{"text":"So if we add six back onto that, that's a hundred and eight.","start":391.755,"end":394.735,"sentiment":"neutral","sentiment_score":-0.08032323391391681},{"text":"Your BMI is sitting at about forty three point eight at the moment.","start":395.995,"end":399.85498,"sentiment":"neutral","sentiment_score":-0.10781101825145575}],"sentiment":"neutral","sentiment_score":-0.14877609147325807,"num_words":46,"start":380.90997,"end":399.85498},{"sentences":[{"text":"As soon as it gets under that 40, we can look at applying for retail cover, which will give you those higher levels of cover.","start":400.315,"end":408.91,"sentiment":"neutral","sentiment_score":-0.04559269733726978},{"text":"But at the moment, to get life and TPD, you can through group cover with your insurance fund and, obviously your insurance fund, your super fund.","start":409.29,"end":420.67,"sentiment":"neutral","sentiment_score":0.04067271059522262},{"text":"And, obviously, you've got a little bit with your super fund at the moment.","start":420.78497,"end":426.965,"sentiment":"neutral","sentiment_score":-0.11027646836425577},{"text":"So I what I have to do is I need to go and cross check and see what we can and can't do because we don't wanna put you in a worse off position.","start":427.345,"end":437.11002,"sentiment":"neutral","sentiment_score":-0.2891554819310413},{"text":"So I I do need to just do a little bit of research on that.","start":439.49002,"end":444.23,"sentiment":"neutral","sentiment_score":-0.02533507173260053}],"sentiment":"neutral","sentiment_score":-0.10383780681315743,"num_words":114,"start":400.315,"end":444.23},{"sentences":[{"text":"And with the the the the debt consolidate or the debt strategy just give me one moment.","start":444.93002,"end":458.115,"sentiment":"neutral","sentiment_score":0.000640175469657954},{"text":"I'm just looking for that.","start":458.115,"end":459.57498,"sentiment":"neutral","sentiment_score":-0.015009547583758831},{"text":"Sorry?","start":469.81,"end":470.31,"sentiment":"neutral","sentiment_score":-0.20217761397361755},{"text":"Yeah.","start":479.63498,"end":480.03497,"sentiment":"neutral","sentiment_score":-0.03285663574934006},{"text":"And that's what they base it off.","start":480.03497,"end":481.895,"sentiment":"neutral","sentiment_score":-0.07014233618974686}],"sentiment":"neutral","sentiment_score":-0.025490172838251435,"num_words":31,"start":444.93002,"end":481.895},{"sentences":[{"text":"Unfortunately, statistics.","start":483.235,"end":484.69498,"sentiment":"neutral","sentiment_score":-0.32795535027980804},{"text":"Let me okay.","start":486.75,"end":497.31,"sentiment":"neutral","sentiment_score":-0.07529735937714577},{"text":"I'm just having a quick look.","start":497.31,"end":499.17,"sentiment":"neutral","sentiment_score":0.039903233759105206},{"text":"I'm just getting that information.","start":513.195,"end":514.575,"sentiment":"neutral","sentiment_score":0.0369721207767725},{"text":"Implementation fee.","start":538.135,"end":539.435,"sentiment":"neutral","sentiment_score":0.01932291779667139}],"sentiment":"neutral","sentiment_score":-0.02327094092551205,"num_words":18,"start":483.235,"end":539.435},{"sentences":[{"text":"I believe it is covered under the implementation fee.","start":540.135,"end":543.05,"sentiment":"neutral","sentiment_score":0.03236970988412698},{"text":"So you know that fee that we talked about earlier on Wednesday?","start":543.05,"end":548.67,"sentiment":"neutral","sentiment_score":0.022470087744295597},{"text":"I'm just getting confirmation right now because I need to confirm because I don't wanna give you the wrong information.","start":553.13,"end":560.755,"sentiment":"neutral","sentiment_score":-0.20581836998462677},{"text":"And we're it's our work from it's our work from home day today as well.","start":561.375,"end":565.85504,"sentiment":"neutral","sentiment_score":-0.0713501791159312},{"text":"So I'm just handing quickly one of my colleagues just to make sure that I get the right info before we go any further.","start":565.85504,"end":576.97,"sentiment":"neutral","sentiment_score":-0.08790903522943457}],"sentiment":"neutral","sentiment_score":-0.08419335612561554,"num_words":80,"start":540.135,"end":576.97},{"sentences":[{"text":"No.","start":588.565,"end":588.725,"sentiment":"negative","sentiment_score":-0.46373122930526733},{"text":"You're absolutely fine.","start":588.725,"end":590.185,"sentiment":"negative","sentiment_score":-0.4152818098664284},{"text":"So you can choose to pay that out of pocket, or you can choose to have that funded from your super fund.","start":591.125,"end":596.4,"sentiment":"neutral","sentiment_score":0.2664429254152558},{"text":"It is up to you just depending on the type of advice.","start":596.4,"end":602.24,"sentiment":"neutral","sentiment_score":0.19986914781232676},{"text":"So say, for example, we only do superannuation, then that's fine.","start":602.24,"end":606.96,"sentiment":"neutral","sentiment_score":0.14336762577295303}],"sentiment":"neutral","sentiment_score":0.16587023178533633,"num_words":49,"start":588.565,"end":606.96},{"sentences":[{"text":"If we do a little bit of a of a debt fee, it might be 4,005 4,750 from super and 200 from you personally because we can't access super early.","start":606.96,"end":620.94165,"sentiment":"neutral","sentiment_score":0.03835845198482275},{"text":"We can't so it it's about accessing super early and not breaching those rules.","start":620.94165,"end":629.15,"sentiment":"neutral","sentiment_score":-0.15608532513890946},{"text":"So because it is for debt, say, for example, we prorated, it might be that, you know, a couple of 100 is payable by you Personally, we and the rest would be made up out of your super fund, but I'm just Tommy's typing very, very slow at the moment, so I apologize.","start":629.15,"end":647.975,"sentiment":"neutral","sentiment_score":-0.0421485147386227},{"text":"Won't be a moment.","start":651.64996,"end":652.79,"sentiment":"neutral","sentiment_score":-0.05268362537026405},{"text":"Any other questions?","start":654.29,"end":655.32996,"sentiment":"neutral","sentiment_score":-0.04557933037479719}],"sentiment":"neutral","sentiment_score":-0.03476716121300482,"num_words":104,"start":606.96,"end":655.32996},{"sentences":[{"text":"Because it was information overload.","start":655.32996,"end":657.35,"sentiment":"neutral","sentiment_score":-0.31533950567245483},{"text":"That's for sure.","start":657.41,"end":658.31,"sentiment":"neutral","sentiment_score":-0.03897000476717949},{"text":"Yes.","start":670.465,"end":670.965,"sentiment":"neutral","sentiment_score":0.10763419419527054},{"text":"Mhmm.","start":676.865,"end":677.16,"sentiment":"neutral","sentiment_score":0.0013886243104934692},{"text":"Yep.","start":692.92,"end":693.135,"sentiment":"neutral","sentiment_score":0.1301298886537552}],"sentiment":"neutral","sentiment_score":-0.1322231668640267,"num_words":11,"start":655.32996,"end":693.135},{"sentences":[{"text":"Yep.","start":720.755,"end":720.835,"sentiment":"neutral","sentiment_score":0.2220904231071472},{"text":"Yep.","start":720.835,"end":721.335,"sentiment":"positive","sentiment_score":0.3822234869003296},{"text":"Fantastic.","start":721.635,"end":722.135,"sentiment":"positive","sentiment_score":0.7793102264404297},{"text":"So you you're possibly looking at refinancing the debt into one as well if you can?","start":722.995,"end":727.975,"sentiment":"neutral","sentiment_score":0.33105133939534426},{"text":"Mhmm.","start":744.53,"end":744.825,"sentiment":"neutral","sentiment_score":-0.04702271521091461}],"sentiment":"neutral","sentiment_score":0.331671142578125,"num_words":20,"start":720.755,"end":744.825},{"sentences":[{"text":"Yep.","start":751.145,"end":751.645,"sentiment":"neutral","sentiment_score":0.0487712025642395},{"text":"Yeah.","start":756.34503,"end":756.84503,"sentiment":"neutral","sentiment_score":-0.00338893011212349},{"text":"Yep.","start":763.02997,"end":763.52997,"sentiment":"neutral","sentiment_score":0.11535879969596864},{"text":"Okay.","start":768.63,"end":769.13,"sentiment":"neutral","sentiment_score":0.0954638496041298},{"text":"Okay.","start":769.58997,"end":770.08997,"sentiment":"neutral","sentiment_score":0.09929710626602171}],"sentiment":"neutral","sentiment_score":0.07110040560364723,"num_words":5,"start":751.145,"end":770.08997},{"sentences":[{"text":"What I might get you to do for me following this call is with your debts, can you just email me through?","start":770.47,"end":778.525,"sentiment":"neutral","sentiment_score":0.0871379417790608},{"text":"Do you have my email address?","start":778.525,"end":780.145,"sentiment":"neutral","sentiment_score":0.01958316859478752},{"text":"You sure?","start":781.245,"end":781.985,"sentiment":"neutral","sentiment_score":0.016873157117515802},{"text":"Of course.","start":788.35004,"end":789.01,"sentiment":"neutral","sentiment_score":0.08090668171644211},{"text":"I can do that.","start":789.55,"end":790.27,"sentiment":"neutral","sentiment_score":0.22333306819200516}],"sentiment":"neutral","sentiment_score":0.0867618244762222,"num_words":36,"start":770.47,"end":790.27},{"sentences":[{"text":"I'll do that now.","start":790.27,"end":791.33,"sentiment":"neutral","sentiment_score":0.1685478873550892},{"text":"The reason being is sorry.","start":793.31,"end":804.04504,"sentiment":"neutral","sentiment_score":-0.040612541139125824},{"text":"I'm just reading this.","start":804.04504,"end":805.745,"sentiment":"neutral","sentiment_score":-0.08269026502966881},{"text":"Tommy's assistant.","start":814.63,"end":826.63,"sentiment":"neutral","sentiment_score":0.021374154835939407},{"text":"Okay.","start":826.63,"end":827.13,"sentiment":"neutral","sentiment_score":0.04791472107172012}],"sentiment":"neutral","sentiment_score":0.014439425896853209,"num_words":16,"start":790.27,"end":827.13},{"sentences":[{"text":"So what we would do is we'd do the super and insurance advice first and then look at that strategy phase because you'll be an ongoing client then.","start":827.26996,"end":838.80505,"sentiment":"neutral","sentiment_score":0.0879045787400433},{"text":"But I actually think that you're probably it's not probably anything that I'm gonna like, any debt reduction.","start":839.42505,"end":843.07837,"sentiment":"neutral","sentiment_score":0.0013114408486419255},{"text":"It's gonna be you're gonna broker that can probably help you in this space.","start":843.07837,"end":854.86,"sentiment":"neutral","sentiment_score":0.08396423475018569},{"text":"I actually think the debt would be from a broker perspective.","start":857.48,"end":861.735,"sentiment":"neutral","sentiment_score":0.026503795757889748},{"text":"But in the meantime, what I'm going to do is I'm gonna send you an email.","start":862.675,"end":867.655,"sentiment":"neutral","sentiment_score":0.048941609682515264}],"sentiment":"neutral","sentiment_score":0.054425757870763196,"num_words":87,"start":827.26996,"end":867.655},{"sentences":[{"text":"If you and I'll I'll just put in the email.","start":868.275,"end":870.59503,"sentiment":"neutral","sentiment_score":0.05227579176425934},{"text":"Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you.","start":870.59503,"end":889.305,"sentiment":"neutral","sentiment_score":0.0683020467267317},{"text":"I think that will work better.","start":891.76495,"end":893.545,"sentiment":"neutral","sentiment_score":0.13940681517124176},{"text":"I'm just getting together some details.","start":893.845,"end":898.90497,"sentiment":"neutral","sentiment_score":0.10000547518332799},{"text":"Alright.","start":899.125,"end":899.44495,"sentiment":"neutral","sentiment_score":0.10088162869215012}],"sentiment":"neutral","sentiment_score":0.07491240096656052,"num_words":74,"start":868.275,"end":899.44495},{"sentences":[{"text":"So I'm gonna send that through to you.","start":899.44495,"end":901.58,"sentiment":"neutral","sentiment_score":0.07815942075103521},{"text":"But as of Monday, I will start looking at options for you and start getting your advice document ready for your super and your insurance.","start":902.92004,"end":918.515,"sentiment":"neutral","sentiment_score":0.046871290728449824},{"text":"And, I suspect in about potentially two weeks, we'll have that altogether for you to present and get underway probably less than two weeks ideally.","start":919.53503,"end":932.75,"sentiment":"neutral","sentiment_score":0.013311221450567245},{"text":"And then and I'll also in the meantime, once I get that information, I'll talk to one of the brokers that we use to see what can be done for you or for like, how they if they have any strategy that they can help.","start":933.69,"end":950.045,"sentiment":"neutral","sentiment_score":0.02955924959646331},{"text":"No worries at all.","start":955.865,"end":956.88,"sentiment":"neutral","sentiment_score":0.18731625378131866}],"sentiment":"neutral","sentiment_score":0.03933896651822273,"num_words":107,"start":899.44495,"end":956.88},{"sentences":[{"text":"I'm gonna send you through an email now.","start":956.88,"end":959.06,"sentiment":"neutral","sentiment_score":0.11237207520753145},{"text":"And as of Monday, I will start working on your file.","start":959.52,"end":963.22003,"sentiment":"neutral","sentiment_score":0.08567715368487618},{"text":"No.","start":974.695,"end":974.855,"sentiment":"neutral","sentiment_score":0.13007532060146332},{"text":"That is our absolute pressure a pleasure.","start":974.855,"end":977.595,"sentiment":"neutral","sentiment_score":0.23742320707866124},{"text":"So you can tell it's nearly finished time because I'm mixing my words up.","start":977.815,"end":981.675,"sentiment":"neutral","sentiment_score":0.019239476216690882}],"sentiment":"neutral","sentiment_score":0.09519062754584522,"num_words":41,"start":956.88,"end":981.675},{"sentences":[{"text":"That's right.","start":982.455,"end":983.27496,"sentiment":"neutral","sentiment_score":0.12543413788080215},{"text":"Beautiful.","start":985.33496,"end":985.83496,"sentiment":"positive","sentiment_score":0.723084568977356},{"text":"Alright.","start":986.27,"end":986.59,"sentiment":"positive","sentiment_score":0.6225671768188477},{"text":"Well, enjoy your weekend, Kat, and I will speak with you very soon.","start":986.59,"end":990.29,"sentiment":"positive","sentiment_score":0.7006119535519526},{"text":"Okay.","start":992.43,"end":992.93,"sentiment":"positive","sentiment_score":0.4193946123123169}],"sentiment":"positive","sentiment_score":0.6179927794469727,"num_words":18,"start":982.455,"end":992.93},{"sentences":[{"text":"You too.","start":992.99,"end":993.63,"sentiment":"positive","sentiment_score":0.45212437212467194},{"text":"Bye.","start":993.63,"end":994.13,"sentiment":"neutral","sentiment_score":0.2223162353038788},{"text":"Bye.","start":995.23,"end":995.73,"sentiment":"neutral","sentiment_score":-0.09873238205909728}],"sentiment":"neutral","sentiment_score":0.25695814937353134,"num_words":4,"start":992.99,"end":995.73}]}}]},{"alternatives":[{"transcript":"Hi, Jenna. How are you today? I'm good. Apologies I missed your call. I was just in a team meeting. Yeah. That's fine. It's all good. I understand. Yes. Certainly. So my full name is Katahos Seneke. Address is 90 Gowong Avenue In Willow 3750, Victoria. Do you say date of birth as well? Fourth of August nine zero four. Yes. I'm happy to proceed. For now, I just wanna focus more on the super side of things. And then in terms of the wheel creation, I will reach out to the pamphlet that you recommended at the g times. So I'll reach out to them. I'll do that one separately, but for now, I just wanna sort of get my super stuff organized and then obviously start contributing, etcetera. Another question I I had was you asked me a question. I wasn't too sure on how to answer it because at the time, it was, like, information overlay. But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt. I just wanted to get more information how the system works. Do I need to pay anything out of pocket? Like, how does the whole thing work in terms of it? Mhmm. Okay. Beautiful. And in terms of payment, would I need to pay that one out of pocket if it's something I'm interested in? Yeah. So let's just say that I wanted yeah. Let's just say I wanted to the Medicare will sit down, come up with a strategy to sort of pay off my debt to sort of put me in a better advantage? How do I grow about that and cost affiliated with that? With insurance can you mind just give me a second? Is that okay with you? Yeah. Of course. Sure. Sorry, Jenna. Can you hear me? Sorry about that. Okay. So in terms of insurance, what's important for me at the moment is life insurance, income protection, and EPD. That's a disability one. Yeah. Yep. That one. Yeah. Mhmm. Yeah. It's fine. It's okay. It is what it is. Mhmm. Okay. Okay. Yep. I understand. Okay. Don't gain weight. That's the moral of the story. So you don't gain weight. That's the moral that's the moral of the story, but I understand I received a whole lot of health factors they need to look into. So yeah. Yep. Yeah. Well, it's just no motivation to leave the wage. That's for sure. Mhmm. No. Understandable. And just to confirm, is it out of pocket for that piece, or is it part of the whole sorry. I've I'm just kinda playing paraphrase and catching up and stuff. I just wanted to find out, is it out of pocket? Okay. Yeah. No. No. That does smell new fresh. That's okay. Yeah. I think my main right now, obviously, my main focus is sort of wealth building just to make sure in terms of my SEPA, I have, a, myself covered and also my little one covered. And, also, I do you know, my goal is to obviously tap into the property market, but, obviously, I need to just get through my debt as much as possible. Luckily, I don't have too much debt at the moment, but I just wanna be able to sort of I'm a visual person just to sort of sit down with someone and then just crack the numbers and be like, okay. If we wanna pay off the car loan or any little debt that's come through and obviously come up with, like, an example, like a savings plan and stuff, setting up for, like, the house put deposit and stuff. Just a little more to become a little more financially fluid and just get that advice to sort of tap in the market. Because, obviously, you speak to I've spoken to, like, a lot of brokers. They've given me figures and stuff, but I actually wanna sit down with someone like, okay. These are your numbers. This is what I can work with. So in that way, I know what I'm working towards essentially. That's what I want to achieve. Yes. Look. If I can, it'll be easier, especially my main gripe is my car loan. If I can bring, a, the interest rate down, I do acknowledge that my debt agreement is the one that sort of hinders me because of that. And, b, it's mainly the interest rate and the repayments. If I can just obviously bring down the repayments for fortnight. I'm even at the point where I'm happy to downgrade my car if I have to. You know what I mean? If there's another strategy, like, I'm at the point where buying a house is, like, my main focus. But, yeah, I'm willing to make the the little sacrifices to get where I need to get to. Yep. If you can just send me through an email. I have so many I need to organize it, but if you don't mind so I don't email the wrong person, I would appreciate that. Yep. Okay. No worries. Okay. Yep. Yep. Okay. Okay. Okay. I'll yeah. I'll appreciate that. That'll be super helpful. No worries. I'm so excited. Thank you so much. You've been so helpful. I was even telling Sandy, I'm like, I'm so glad I came across you guys. Thank you so much. I really appreciate it. It's 05:00 somewhere in the world, so they're worried. No judgment. Okay. No worries. Take care. Thank you. 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Jenna. How are you today? I'm good. Apologies I missed your call. I was just in a team meeting.\n\nYeah. That's fine. It's all good. I understand. Yes.\n\nCertainly. So my full name is Katahos Seneke. Address is 90 Gowong Avenue In Willow 3750, Victoria. Do you say date of birth as well? Fourth of August nine zero four.\n\nYes. I'm happy to proceed. For now, I just wanna focus more on the super side of things. And then in terms of the wheel creation, I will reach out to the pamphlet that you recommended at the g times. So I'll reach out to them.\n\nI'll do that one separately, but for now, I just wanna sort of get my super stuff organized and then obviously start contributing, etcetera. Another question I I had was you asked me a question. I wasn't too sure on how to answer it because at the time, it was, like, information overlay. But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt. I just wanted to get more information how the system works.\n\nDo I need to pay anything out of pocket? Like, how does the whole thing work in terms of it? Mhmm. Okay. Beautiful.\n\nAnd in terms of payment, would I need to pay that one out of pocket if it's something I'm interested in? Yeah. So let's just say that I wanted yeah. Let's just say I wanted to the Medicare will sit down, come up with a strategy to sort of pay off my debt to sort of put me in a better advantage? How do I grow about that and cost affiliated with that?\n\nWith insurance can you mind just give me a second? Is that okay with you? Yeah. Of course. Sure.\n\nSorry, Jenna. Can you hear me? Sorry about that. Okay. So in terms of insurance, what's important for me at the moment is life insurance, income protection, and EPD.\n\nThat's a disability one. Yeah. Yep. That one. Yeah.\n\nMhmm. Yeah. It's fine. It's okay. It is what it is.\n\nMhmm. Okay. Okay. Yep. I understand.\n\nOkay. Don't gain weight. That's the moral of the story. So you don't gain weight. That's the moral that's the moral of the story, but I understand I received a whole lot of health factors they need to look into.\n\nSo yeah. Yep. Yeah. Well, it's just no motivation to leave the wage. That's for sure.\n\nMhmm. No. Understandable. And just to confirm, is it out of pocket for that piece, or is it part of the whole sorry. I've I'm just kinda playing paraphrase and catching up and stuff.\n\nI just wanted to find out, is it out of pocket? Okay. Yeah. No. No.\n\nThat does smell new fresh. That's okay. Yeah. I think my main right now, obviously, my main focus is sort of wealth building just to make sure in terms of my SEPA, I have, a, myself covered and also my little one covered. And, also, I do you know, my goal is to obviously tap into the property market, but, obviously, I need to just get through my debt as much as possible.\n\nLuckily, I don't have too much debt at the moment, but I just wanna be able to sort of I'm a visual person just to sort of sit down with someone and then just crack the numbers and be like, okay. If we wanna pay off the car loan or any little debt that's come through and obviously come up with, like, an example, like a savings plan and stuff, setting up for, like, the house put deposit and stuff. Just a little more to become a little more financially fluid and just get that advice to sort of tap in the market. Because, obviously, you speak to I've spoken to, like, a lot of brokers. They've given me figures and stuff, but I actually wanna sit down with someone like, okay.\n\nThese are your numbers. This is what I can work with. So in that way, I know what I'm working towards essentially. That's what I want to achieve. Yes.\n\nLook. If I can, it'll be easier, especially my main gripe is my car loan. If I can bring, a, the interest rate down, I do acknowledge that my debt agreement is the one that sort of hinders me because of that. And, b, it's mainly the interest rate and the repayments. If I can just obviously bring down the repayments for fortnight.\n\nI'm even at the point where I'm happy to downgrade my car if I have to. You know what I mean? If there's another strategy, like, I'm at the point where buying a house is, like, my main focus. But, yeah, I'm willing to make the the little sacrifices to get where I need to get to. Yep.\n\nIf you can just send me through an email. I have so many I need to organize it, but if you don't mind so I don't email the wrong person, I would appreciate that. Yep. Okay. No worries.\n\nOkay. Yep. Yep. Okay. Okay.\n\nOkay. I'll yeah. I'll appreciate that. That'll be super helpful. No worries.\n\nI'm so excited. Thank you so much. You've been so helpful. I was even telling Sandy, I'm like, I'm so glad I came across you guys. Thank you so much.\n\nI really appreciate it. It's 05:00 somewhere in the world, so they're worried. No judgment. Okay. No worries.\n\nTake care. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jenna.","start":0.56,"end":1.28,"sentiment":"neutral","sentiment_score":0.18951283395290375},{"text":"How are you today?","start":1.28,"end":2.26,"sentiment":"neutral","sentiment_score":0.29863450676202774},{"text":"I'm good.","start":4.7999997,"end":5.52,"sentiment":"neutral","sentiment_score":0.26825644075870514},{"text":"Apologies I missed your call.","start":5.52,"end":6.64,"sentiment":"neutral","sentiment_score":-0.18841272890567778},{"text":"I was just in a team meeting.","start":6.64,"end":8.02,"sentiment":"neutral","sentiment_score":-0.07736725200499807}],"sentiment":"neutral","sentiment_score":0.03132210839539766,"num_words":20,"start":0.56,"end":8.02},{"sentences":[{"text":"Yeah.","start":20.055,"end":20.375,"sentiment":"neutral","sentiment_score":0.11919142305850984},{"text":"That's fine.","start":20.375,"end":20.855,"sentiment":"neutral","sentiment_score":0.27225177735090256},{"text":"It's all good.","start":20.855,"end":21.415,"sentiment":"positive","sentiment_score":0.5175496538480123},{"text":"I understand.","start":21.415,"end":22.075,"sentiment":"neutral","sentiment_score":0.2834140360355377},{"text":"Yes.","start":28.57,"end":28.81,"sentiment":"neutral","sentiment_score":0.061263736337423325}],"sentiment":"neutral","sentiment_score":0.31604841641253895,"num_words":9,"start":20.055,"end":28.81},{"sentences":[{"text":"Certainly.","start":28.81,"end":29.31,"sentiment":"neutral","sentiment_score":0.06776238977909088},{"text":"So my full name is Katahos Seneke.","start":29.369999,"end":31.869999,"sentiment":"neutral","sentiment_score":0.051330365772758214},{"text":"Address is 90 Gowong Avenue In Willow 3750, Victoria.","start":32.17,"end":37.15,"sentiment":"neutral","sentiment_score":0.05004020987285508},{"text":"Do you say date of birth as well?","start":37.29,"end":38.989998,"sentiment":"neutral","sentiment_score":0.032081135315820575},{"text":"Fourth of August nine zero four.","start":40.809998,"end":42.435,"sentiment":"neutral","sentiment_score":0.025236782617866993}],"sentiment":"neutral","sentiment_score":0.04146795539606002,"num_words":31,"start":28.81,"end":42.435},{"sentences":[{"text":"Yes.","start":54.835,"end":55.155,"sentiment":"positive","sentiment_score":0.402112752199173},{"text":"I'm happy to proceed.","start":55.155,"end":56.295002,"sentiment":"positive","sentiment_score":0.5608091354370117},{"text":"For now, I just wanna focus more on the super side of things.","start":57.870003,"end":61.89,"sentiment":"neutral","sentiment_score":0.2026205681837522},{"text":"And then in terms of the wheel creation, I will reach out to the pamphlet that you recommended at the g times.","start":63.07,"end":70.69,"sentiment":"neutral","sentiment_score":0.12013930624181574},{"text":"So I'll reach out to them.","start":71.625,"end":72.665,"sentiment":"neutral","sentiment_score":0.12064287066459656}],"sentiment":"neutral","sentiment_score":0.18796388351398965,"num_words":46,"start":54.835,"end":72.665},{"sentences":[{"text":"I'll do that one separately, but for now, I just wanna sort of get my super stuff organized and then obviously start contributing, etcetera.","start":72.665,"end":79.565,"sentiment":"neutral","sentiment_score":0.1530778075878819},{"text":"Another question I I had was you asked me a question.","start":80.985,"end":84.345,"sentiment":"neutral","sentiment_score":0.005568355999209664},{"text":"I wasn't too sure on how to answer it because at the time, it was, like, information overlay.","start":84.345,"end":88.369995,"sentiment":"neutral","sentiment_score":-0.03482918979393111},{"text":"But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt.","start":88.369995,"end":95.97,"sentiment":"neutral","sentiment_score":-0.004746772320665762},{"text":"I just wanted to get more information how the system works.","start":95.97,"end":98.77,"sentiment":"neutral","sentiment_score":0.04197136431255124}],"sentiment":"neutral","sentiment_score":0.040295929048757305,"num_words":86,"start":72.665,"end":98.77},{"sentences":[{"text":"Do I need to pay anything out of pocket?","start":98.77,"end":100.69,"sentiment":"neutral","sentiment_score":-0.055118583970599704},{"text":"Like, how does the whole thing work in terms of it?","start":100.69,"end":103.975,"sentiment":"neutral","sentiment_score":0.003992843864993615},{"text":"Mhmm.","start":131.42,"end":131.92,"sentiment":"neutral","sentiment_score":-0.0030406913720071316},{"text":"Okay.","start":157.655,"end":158.135,"sentiment":"positive","sentiment_score":0.36002546548843384},{"text":"Beautiful.","start":158.135,"end":158.635,"sentiment":"positive","sentiment_score":0.5592689514160156}],"sentiment":"neutral","sentiment_score":0.0201785979266076,"num_words":23,"start":98.77,"end":158.635},{"sentences":[{"text":"And in terms of payment, would I need to pay that one out of pocket if it's something I'm interested in?","start":158.935,"end":164.475,"sentiment":"neutral","sentiment_score":0.14009897907574972},{"text":"Yeah.","start":167.735,"end":168.05501,"sentiment":"neutral","sentiment_score":0.033229582011699677},{"text":"So let's just say that I wanted yeah.","start":168.05501,"end":169.895,"sentiment":"neutral","sentiment_score":0.02469917479902506},{"text":"Let's just say I wanted to the Medicare will sit down, come up with a strategy to sort of pay off my debt to sort of put me in a better advantage?","start":169.895,"end":177.36,"sentiment":"neutral","sentiment_score":0.07457374280784279},{"text":"How do I grow about that and cost affiliated with that?","start":178.14,"end":181.44,"sentiment":"neutral","sentiment_score":-0.03603909791193225}],"sentiment":"neutral","sentiment_score":0.07072371553170355,"num_words":73,"start":158.935,"end":181.44},{"sentences":[{"text":"With insurance can you mind just give me a second?","start":192.405,"end":196.72499,"sentiment":"neutral","sentiment_score":-0.007294264063239098},{"text":"Is that okay with you?","start":196.72499,"end":197.94499,"sentiment":"neutral","sentiment_score":0.020130430161952973},{"text":"Yeah.","start":198.72499,"end":199.045,"sentiment":"neutral","sentiment_score":0.028701815754175183},{"text":"Of course.","start":199.045,"end":199.36499,"sentiment":"neutral","sentiment_score":0.03935471922159195},{"text":"Sure.","start":199.36499,"end":199.86499,"sentiment":"neutral","sentiment_score":0.030082738026976585}],"sentiment":"neutral","sentiment_score":0.008694921179037345,"num_words":19,"start":192.405,"end":199.86499},{"sentences":[{"text":"Sorry, Jenna.","start":217.885,"end":218.44499,"sentiment":"neutral","sentiment_score":-0.04934829659759998},{"text":"Can you hear me?","start":218.44499,"end":219.08499,"sentiment":"neutral","sentiment_score":-0.08536412753164768},{"text":"Sorry about that.","start":219.08499,"end":219.985,"sentiment":"neutral","sentiment_score":-0.14934122065703073},{"text":"Okay.","start":223.405,"end":223.805,"sentiment":"neutral","sentiment_score":0.08502744883298874},{"text":"So in terms of insurance, what's important for me at the moment is life insurance, income protection, and EPD.","start":223.805,"end":234.25,"sentiment":"neutral","sentiment_score":0.04473973889099924}],"sentiment":"neutral","sentiment_score":0.0016174387058307384,"num_words":29,"start":217.885,"end":234.25},{"sentences":[{"text":"That's a disability one.","start":235.11,"end":236.31,"sentiment":"neutral","sentiment_score":0.01593869598582387},{"text":"Yeah.","start":236.31,"end":236.55,"sentiment":"neutral","sentiment_score":0.039096128195524216},{"text":"Yep.","start":236.55,"end":236.79,"sentiment":"neutral","sentiment_score":0.03559853136539459},{"text":"That one.","start":236.79,"end":237.53,"sentiment":"neutral","sentiment_score":0.04487285949289799},{"text":"Yeah.","start":238.39,"end":238.89,"sentiment":"neutral","sentiment_score":0.12855607271194458}],"sentiment":"neutral","sentiment_score":0.03963902613355054,"num_words":9,"start":235.11,"end":238.89},{"sentences":[{"text":"Mhmm.","start":246.375,"end":246.875,"sentiment":"neutral","sentiment_score":0.010496086440980434},{"text":"Yeah.","start":260.08,"end":260.58,"sentiment":"neutral","sentiment_score":0.006130626890808344},{"text":"It's fine.","start":376.86002,"end":377.6,"sentiment":"negative","sentiment_score":-0.3642026036977768},{"text":"It's okay.","start":377.90002,"end":378.64,"sentiment":"negative","sentiment_score":-0.33749133348464966},{"text":"It is what it is.","start":379.42,"end":380.64,"sentiment":"neutral","sentiment_score":-0.33230170607566833}],"sentiment":"neutral","sentiment_score":-0.277115426491946,"num_words":11,"start":246.375,"end":380.64},{"sentences":[{"text":"Mhmm.","start":400.745,"end":401.245,"sentiment":"neutral","sentiment_score":-0.046685755252838135},{"text":"Okay.","start":409.54,"end":410.04,"sentiment":"neutral","sentiment_score":0.03836434334516525},{"text":"Okay.","start":437.9,"end":438.4,"sentiment":"neutral","sentiment_score":-0.039901524782180786},{"text":"Yep.","start":438.46,"end":438.94,"sentiment":"neutral","sentiment_score":-0.010246291756629944},{"text":"I understand.","start":438.94,"end":439.68,"sentiment":"neutral","sentiment_score":-0.001384614035487175}],"sentiment":"neutral","sentiment_score":-0.010206409419576326,"num_words":6,"start":400.745,"end":439.68},{"sentences":[{"text":"Okay.","start":460.165,"end":460.59,"sentiment":"neutral","sentiment_score":-0.046439021825790405},{"text":"Don't gain weight.","start":465.94998,"end":467.01,"sentiment":"negative","sentiment_score":-0.3356379270553589},{"text":"That's the moral of the story.","start":467.15,"end":468.53,"sentiment":"neutral","sentiment_score":-0.2507740880052249},{"text":"So you don't gain weight.","start":471.22998,"end":472.59,"sentiment":"neutral","sentiment_score":-0.2608167350292206},{"text":"That's the moral that's the moral of the story, but I understand I received a whole lot of health factors they need to look into.","start":472.59,"end":479.115,"sentiment":"neutral","sentiment_score":-0.1455298525094986}],"sentiment":"neutral","sentiment_score":-0.1875081829726696,"num_words":40,"start":460.165,"end":479.115},{"sentences":[{"text":"So yeah.","start":479.175,"end":479.995,"sentiment":"neutral","sentiment_score":-0.046924296766519547},{"text":"Yep.","start":482.455,"end":482.955,"sentiment":"neutral","sentiment_score":-0.07694417238235474},{"text":"Yeah.","start":485.735,"end":486.235,"sentiment":"neutral","sentiment_score":-0.22944268584251404},{"text":"Well, it's just no motivation to leave the wage.","start":488.91,"end":492.93,"sentiment":"negative","sentiment_score":-0.37457649244202507},{"text":"That's for sure.","start":493.15,"end":494.21,"sentiment":"neutral","sentiment_score":-0.15673970182736716}],"sentiment":"neutral","sentiment_score":-0.2651026868261397,"num_words":16,"start":479.175,"end":494.21},{"sentences":[{"text":"Mhmm.","start":549.76,"end":550.26,"sentiment":"neutral","sentiment_score":-0.05510774254798889},{"text":"No.","start":561.735,"end":561.975,"sentiment":"neutral","sentiment_score":-0.26778367161750793},{"text":"Understandable.","start":561.975,"end":562.475,"sentiment":"neutral","sentiment_score":-0.1682046502828598},{"text":"And just to confirm, is it out of pocket for that piece, or is it part of the whole sorry.","start":578.01,"end":583.37,"sentiment":"neutral","sentiment_score":-0.3164311483502388},{"text":"I've I'm just kinda playing paraphrase and catching up and stuff.","start":583.37,"end":587.77,"sentiment":"negative","sentiment_score":-0.4763129163872112}],"sentiment":"negative","sentiment_score":-0.3546812091680134,"num_words":34,"start":549.76,"end":587.77},{"sentences":[{"text":"I just wanted to find out, is it out of pocket?","start":587.77,"end":590.075,"sentiment":"negative","sentiment_score":-0.4387166771021756},{"text":"Okay.","start":598.695,"end":599.09503,"sentiment":"neutral","sentiment_score":0.2626705765724182},{"text":"Yeah.","start":599.09503,"end":599.59503,"sentiment":"neutral","sentiment_score":0.1731373518705368},{"text":"No.","start":646.13,"end":646.20996,"sentiment":"neutral","sentiment_score":-0.3029663562774658},{"text":"No.","start":646.20996,"end":646.29,"sentiment":"negative","sentiment_score":-0.3458250164985657}],"sentiment":"negative","sentiment_score":-0.3359244594971339,"num_words":15,"start":587.77,"end":646.29},{"sentences":[{"text":"That does smell new fresh.","start":646.29,"end":647.625,"sentiment":"negative","sentiment_score":-0.4121353983879089},{"text":"That's okay.","start":649.465,"end":650.205,"sentiment":"neutral","sentiment_score":-0.005157019942998886},{"text":"Yeah.","start":659.305,"end":659.705,"sentiment":"neutral","sentiment_score":0.12137430906295776},{"text":"I think my main right now, obviously, my main focus is sort of wealth building just to make sure in terms of my SEPA, I have, a, myself covered and also my little one covered.","start":659.705,"end":669.51,"sentiment":"neutral","sentiment_score":0.19421614131757192},{"text":"And, also, I do you know, my goal is to obviously tap into the property market, but, obviously, I need to just get through my debt as much as possible.","start":670.21,"end":679.825,"sentiment":"neutral","sentiment_score":0.06626177442570527}],"sentiment":"neutral","sentiment_score":0.09364111583730945,"num_words":73,"start":646.29,"end":679.825},{"sentences":[{"text":"Luckily, I don't have too much debt at the moment, but I just wanna be able to sort of I'm a visual person just to sort of sit down with someone and then just crack the numbers and be like, okay.","start":679.825,"end":689.585,"sentiment":"neutral","sentiment_score":0.1763462978528767},{"text":"If we wanna pay off the car loan or any little debt that's come through and obviously come up with, like, an example, like a savings plan and stuff, setting up for, like, the house put deposit and stuff.","start":689.585,"end":699.51,"sentiment":"neutral","sentiment_score":0.16629855697735763},{"text":"Just a little more to become a little more financially fluid and just get that advice to sort of tap in the market.","start":699.51,"end":706.31,"sentiment":"neutral","sentiment_score":0.2578207824541175},{"text":"Because, obviously, you speak to I've spoken to, like, a lot of brokers.","start":706.31,"end":709.40497,"sentiment":"neutral","sentiment_score":0.06402494013309479},{"text":"They've given me figures and stuff, but I actually wanna sit down with someone like, okay.","start":709.40497,"end":713.105,"sentiment":"neutral","sentiment_score":0.1306037213653326}],"sentiment":"neutral","sentiment_score":0.1709674522280693,"num_words":132,"start":679.825,"end":713.105},{"sentences":[{"text":"These are your numbers.","start":713.165,"end":713.96497,"sentiment":"neutral","sentiment_score":0.26369962468743324},{"text":"This is what I can work with.","start":713.96497,"end":715.08496,"sentiment":"positive","sentiment_score":0.34240407177380155},{"text":"So in that way, I know what I'm working towards essentially.","start":715.08496,"end":718.52496,"sentiment":"neutral","sentiment_score":0.33128267526626587},{"text":"That's what I want to achieve.","start":718.52496,"end":720.14496,"sentiment":"positive","sentiment_score":0.4361155778169632},{"text":"Yes.","start":728.99,"end":729.07,"sentiment":"neutral","sentiment_score":0.17173299193382263}],"sentiment":"positive","sentiment_score":0.34083320303209896,"num_words":29,"start":713.165,"end":729.07},{"sentences":[{"text":"Look.","start":729.07,"end":729.55,"sentiment":"neutral","sentiment_score":0.16950559616088867},{"text":"If I can, it'll be easier, especially my main gripe is my car loan.","start":729.55,"end":736.025,"sentiment":"neutral","sentiment_score":0.10243849562747138},{"text":"If I can bring, a, the interest rate down, I do acknowledge that my debt agreement is the one that sort of hinders me because of that.","start":736.025,"end":743.965,"sentiment":"neutral","sentiment_score":-0.12535937751332918},{"text":"And, b, it's mainly the interest rate and the repayments.","start":744.10504,"end":746.505,"sentiment":"neutral","sentiment_score":-0.08864807337522507},{"text":"If I can just obviously bring down the repayments for fortnight.","start":746.505,"end":750.04504,"sentiment":"neutral","sentiment_score":-0.04545064473694021}],"sentiment":"neutral","sentiment_score":-0.05027772196465068,"num_words":63,"start":729.07,"end":750.04504},{"sentences":[{"text":"I'm even at the point where I'm happy to downgrade my car if I have to.","start":751.19,"end":754.87,"sentiment":"neutral","sentiment_score":0.016282140975818038},{"text":"You know what I mean?","start":754.87,"end":755.77,"sentiment":"neutral","sentiment_score":-0.027905179560184477},{"text":"If there's another strategy, like, I'm at the point where buying a house is, like, my main focus.","start":756.23,"end":761.77,"sentiment":"neutral","sentiment_score":0.016463055482341185},{"text":"But, yeah, I'm willing to make the the little sacrifices to get where I need to get to.","start":763.11,"end":767.805,"sentiment":"neutral","sentiment_score":0.16629759346445402},{"text":"Yep.","start":769.705,"end":770.205,"sentiment":"neutral","sentiment_score":0.11146143078804016}],"sentiment":"neutral","sentiment_score":0.060726577062802066,"num_words":58,"start":751.19,"end":770.205},{"sentences":[{"text":"If you can just send me through an email.","start":781.22003,"end":782.5801,"sentiment":"neutral","sentiment_score":0.022550013123287097},{"text":"I have so many I need to organize it, but if you don't mind so I don't email the wrong person, I would appreciate that.","start":782.5801,"end":789.08,"sentiment":"neutral","sentiment_score":0.012668251246213912},{"text":"Yep.","start":789.54004,"end":790.04004,"sentiment":"neutral","sentiment_score":0.1553821861743927},{"text":"Okay.","start":791.78,"end":792.28,"sentiment":"neutral","sentiment_score":0.03669550269842148},{"text":"No worries.","start":806.22504,"end":806.965,"sentiment":"neutral","sentiment_score":0.021456007845699787}],"sentiment":"neutral","sentiment_score":0.019859107995503826,"num_words":38,"start":781.22003,"end":806.965},{"sentences":[{"text":"Okay.","start":855.695,"end":856.195,"sentiment":"neutral","sentiment_score":0.03320803493261337},{"text":"Yep.","start":879.35,"end":879.85,"sentiment":"neutral","sentiment_score":0.056624770164489746},{"text":"Yep.","start":890.045,"end":890.545,"sentiment":"neutral","sentiment_score":0.09433962404727936},{"text":"Okay.","start":916.475,"end":916.975,"sentiment":"neutral","sentiment_score":0.0323023721575737},{"text":"Okay.","start":930.62,"end":931.12,"sentiment":"neutral","sentiment_score":-0.011907301843166351}],"sentiment":"neutral","sentiment_score":0.040913499891757965,"num_words":5,"start":855.695,"end":931.12},{"sentences":[{"text":"Okay.","start":951.555,"end":952.035,"sentiment":"neutral","sentiment_score":0.12743708491325378},{"text":"I'll yeah.","start":952.035,"end":952.595,"sentiment":"neutral","sentiment_score":0.16920799762010574},{"text":"I'll appreciate that.","start":952.595,"end":953.555,"sentiment":"positive","sentiment_score":0.36101343234380084},{"text":"That'll be super helpful.","start":953.555,"end":954.935,"sentiment":"positive","sentiment_score":0.5053965300321579},{"text":"No worries.","start":963.70996,"end":964.19,"sentiment":"neutral","sentiment_score":0.29124853014945984}],"sentiment":"positive","sentiment_score":0.3460813798010349,"num_words":12,"start":951.555,"end":964.19},{"sentences":[{"text":"I'm so excited.","start":964.19,"end":964.99,"sentiment":"positive","sentiment_score":0.4886967142422994},{"text":"Thank you so much.","start":964.99,"end":965.95,"sentiment":"positive","sentiment_score":0.7048661410808563},{"text":"You've been so helpful.","start":965.95,"end":968.29,"sentiment":"positive","sentiment_score":0.6276321560144424},{"text":"I was even telling Sandy, I'm like, I'm so glad I came across you guys.","start":968.35,"end":972.26996,"sentiment":"positive","sentiment_score":0.5147201597690583},{"text":"Thank you so much.","start":972.26996,"end":972.99,"sentiment":"positive","sentiment_score":0.6494603753089905}],"sentiment":"positive","sentiment_score":0.570490907629331,"num_words":30,"start":964.19,"end":972.99},{"sentences":[{"text":"I really appreciate it.","start":972.99,"end":974.055,"sentiment":"positive","sentiment_score":0.5784760266542435},{"text":"It's 05:00 somewhere in the world, so they're worried.","start":979.975,"end":982.455,"sentiment":"neutral","sentiment_score":-0.05281236664288574},{"text":"No judgment.","start":982.455,"end":983.115,"sentiment":"neutral","sentiment_score":-0.061883583664894104},{"text":"Okay.","start":990.6749,"end":991.0749,"sentiment":"neutral","sentiment_score":0.3297077417373657},{"text":"No worries.","start":991.0749,"end":991.6349,"sentiment":"neutral","sentiment_score":0.31559157371520996}],"sentiment":"neutral","sentiment_score":0.14865091825938886,"num_words":18,"start":972.99,"end":991.6349},{"sentences":[{"text":"Take care.","start":991.6349,"end":992.1149,"sentiment":"positive","sentiment_score":0.49923551082611084},{"text":"Thank you.","start":992.1149,"end":992.7749,"sentiment":"positive","sentiment_score":0.7593843936920166},{"text":"Bye.","start":994.2749,"end":994.7749,"sentiment":"neutral","sentiment_score":0.16701611876487732}],"sentiment":"positive","sentiment_score":0.5368511855602265,"num_words":5,"start":991.6349,"end":994.7749}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, Jenna. How are you today?\n\nChannel 0: I'm good, Kat. How are you?\n\nChannel 1: I'm good. Apologies I missed your call. I was just in a team meeting.\n\nChannel 0: No. You're absolutely fine. Just before I go any further, I need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine. It's all good. I understand.\n\nChannel 0: Fantastic. And, Kat, I just need you to confirm your full name, date of birth, and address, please.\n\nChannel 1: Yes. Certainly. So my full name is Katahos Seneke. Address is 90 Gowong Avenue In Willow 3750, Victoria. Do you say date of birth as well?\n\nChannel 0: Yes, please.\n\nChannel 1: Fourth of August nine zero four.\n\nChannel 0: Beautiful. Thank you. I was just touching base with you today to see how you're feeling following our conversation on Wednesday, what your thoughts\n\nChannel 1: Yes. I'm happy to proceed.\n\nChannel 0: are. Yep.\n\nChannel 1: For now, I just wanna focus more on the super side of things.\n\nChannel 0: Yep.\n\nChannel 1: And then in terms of the wheel creation, I will reach out to the pamphlet that you recommended at the g times. So I'll reach out to them. I'll\n\nChannel 0: Yep.\n\nChannel 1: do that one separately, but for now, I just wanna sort of get my super stuff organized and then obviously start contributing, etcetera. Another question I I had was you asked me a question. I wasn't too sure on how to answer it because at the time, it was, like, information overlay. But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt. I just wanted to get more information how the system works.\n\nDo I need to pay anything out of pocket? Like, how does the whole thing work in terms of it?\n\nChannel 0: Yeah. Okay. So what I was probably referencing more than anything is if you wanted to pay it down quicker, we can come up with a strategy to do so in a certain amount of time depending on what your goals and objectives were. So, for example, if you wanted to pay down your debt, which you I'm assuming you'd be able to do as a banker anyway. But\n\nChannel 1: Mhmm.\n\nChannel 0: if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time.\n\nChannel 1: Okay. Beautiful. And in terms of payment, would I need to pay that one out of pocket if it's something I'm interested in?\n\nChannel 0: For advice\n\nChannel 1: Yeah. So\n\nChannel 0: from\n\nChannel 1: let's just\n\nChannel 0: me.\n\nChannel 1: say that I wanted yeah. Let's just say I wanted to the Medicare will sit down, come up with a strategy to sort of pay off my debt to sort of put me in a better\n\nChannel 0: Mhmm.\n\nChannel 1: advantage? How\n\nChannel 0: Mhmm.\n\nChannel 1: do I grow about that and cost affiliated with that?\n\nChannel 0: Alright. Give me one second, and I will tell you. Did you have a think about your insurances any\n\nChannel 1: With insurance\n\nChannel 0: further?\n\nChannel 1: can you mind just give me a second? Is that okay with you?\n\nChannel 0: Yeah. Of course.\n\nChannel 1: Yeah. Of course. Sure. Sorry, Jenna. Can you hear me?\n\nSorry about that.\n\nChannel 0: No. You're fine. That's absolutely fine. I'm just fine.\n\nChannel 1: Okay. So in terms of insurance, what's important for me at the moment is life insurance,\n\nChannel 0: Mhmm.\n\nChannel 1: income protection, and EPD. That's a\n\nChannel 0: Yep.\n\nChannel 1: disability one. Yeah. Yep. That one.\n\nChannel 0: Yeah. That's right.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Beautiful. Because there was something that I just needed to talk to you briefly about. So we did a pre assessment with the insurance companies. And\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment and what they do is they look at your so the the health that, you know, that pre assessment we went through where I asked a lot of imposing questions.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, I've had one of our team members do a pre assessment. So life insurance at the moment, they're willing to give to you, but it's got a 150% loading. So say, for example, it was a $100 for a year, it would be $250 for a year based on the fact that you're just going through a weight loss journey at the moment, and they look at your BMI. So they so based on that, that's the outcome. But what I've been able to do is one of the super funds we're working with at the moment that Sandile's also with is they're offering group cover with no underwriting.\n\nIt's not gonna give you the full amount of cover that you want. It will give you $200,000 of death cover and TPD and would have to look at applying for income protection. But that's no underwriting at the moment. And what it would mean is once you have your BMI is under forty, they would then look at offering you cover with the retail underwriters. So how they calculate that is is they look at your weight now and your height and your BMI.\n\nAnd even though you've lost 12 kilos, they still add back six kilos for the time being until you've gone through your initial weight loss journey to allow for that. So let me tell you what the insurance companies are actually looking at at the moment that your BMI is. Sorry. It's very I feel so rude when I talk about this sort of stuff because\n\nChannel 1: It's\n\nChannel 0: it's just\n\nChannel 1: fine.\n\nChannel 0: not\n\nChannel 1: It's okay. It is what\n\nChannel 0: nice.\n\nChannel 1: it is.\n\nChannel 0: It's it's just not nice. Okay. So you are a hundred and fifty seven centimeters and a hundred and two. So if we add six back onto that, that's a hundred and eight. Your BMI is sitting at about forty three point eight at the moment.\n\nAs soon\n\nChannel 1: Mhmm.\n\nChannel 0: as it gets under that 40, we can look at applying for retail cover, which will give you those higher levels of cover. But at\n\nChannel 1: Okay.\n\nChannel 0: the moment, to get life and TPD, you can through group cover with your insurance fund and, obviously your insurance fund, your super fund. And, obviously, you've got a little bit with your super fund at the moment. So I what I have to do is I need to go and cross check and see what we can and can't do because we don't wanna put you in a worse off position.\n\nChannel 1: Okay. Yep. I understand.\n\nChannel 0: So I I do need to just do a little bit of research on that. And with the the the the debt consolidate or the debt strategy just give me one moment. I'm just looking for that.\n\nChannel 1: Okay. Don't gain weight. That's the moral of the story.\n\nChannel 0: Sorry?\n\nChannel 1: So you don't gain weight. That's the moral that's the moral of the story, but I understand I received a whole lot of health factors they need to look into. So yeah.\n\nChannel 0: Yeah. And that's what they base it off.\n\nChannel 1: Yep.\n\nChannel 0: Unfortunately, statistics.\n\nChannel 1: Yeah.\n\nChannel 0: Let me\n\nChannel 1: Well, it's just no motivation to leave the wage. That's for sure.\n\nChannel 0: okay. I'm just having a quick look. I'm just getting that information. Implementation fee. I believe it is covered under the implementation fee.\n\nSo you know that fee that we talked about earlier on Wednesday?\n\nChannel 1: Mhmm.\n\nChannel 0: I'm just getting confirmation right now because I need to confirm because I don't wanna give you the wrong information. And we're\n\nChannel 1: No.\n\nChannel 0: it's\n\nChannel 1: Understandable.\n\nChannel 0: our work from it's our work from home day today as well. So I'm just handing quickly one of my colleagues just to make sure that I get the right info before we go any further.\n\nChannel 1: And just to confirm, is it out of pocket for that piece, or is it part of the whole sorry. I've I'm just kinda playing paraphrase and catching up and stuff. I just wanted to find\n\nChannel 0: No.\n\nChannel 1: out,\n\nChannel 0: You're\n\nChannel 1: is\n\nChannel 0: absolutely\n\nChannel 1: it out of pocket?\n\nChannel 0: fine. So you can choose to pay that out of pocket, or you can choose to have that funded from your super fund. It is up to you\n\nChannel 1: Okay. Yeah.\n\nChannel 0: just depending on the type of advice. So say, for example, we only do superannuation, then that's fine. If we do a little bit of a of a debt fee, it might be 4,005 4,750 from super and 200 from you personally because we can't access super early. We can't so it it's about accessing super early and not breaching those rules. So because it is for debt, say, for example, we prorated, it might be that, you know, a couple of 100 is payable by you Personally, we and the rest would be made up out of your super fund, but I'm just Tommy's typing very, very slow at\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: No.\n\nChannel 0: moment,\n\nChannel 1: That does smell\n\nChannel 0: so\n\nChannel 1: new fresh.\n\nChannel 0: I apologize.\n\nChannel 1: That's okay.\n\nChannel 0: Won't be a moment. Any other questions? Because it was information overload. That's for sure.\n\nChannel 1: Yeah. I think my main right now, obviously, my main focus is sort of wealth building just to make sure in terms of my SEPA, I have, a, myself covered and also my little one covered. And, also,\n\nChannel 0: Yes.\n\nChannel 1: I do you know, my goal is to obviously tap into the property market, but, obviously, I need to\n\nChannel 0: Mhmm.\n\nChannel 1: just get through my debt as much as possible. Luckily, I don't have too much debt at the moment, but I just wanna be able to sort of I'm a visual person just to sort of sit down with someone and then just crack the numbers and be like, okay. If we wanna pay off the car loan or any little debt that's\n\nChannel 0: Yep.\n\nChannel 1: come through and obviously come up with, like, an example, like a savings plan and stuff, setting up for, like, the house put deposit and stuff. Just a little more to become a little more financially fluid and just get that advice to sort of tap in the market. Because, obviously, you speak to I've spoken to, like, a lot of brokers. They've given me figures and stuff, but I actually wanna sit down with someone like, okay. These are your numbers.\n\nThis is what I can work with. So in that way, I know what I'm working towards essentially. That's what I want to achieve.\n\nChannel 0: Yep. Yep. Fantastic. So you you're possibly looking at refinancing the debt into one as well if you can?\n\nChannel 1: Yes. Look. If I can, it'll be easier, especially my main gripe is my car loan. If I can bring, a, the interest rate down, I do acknowledge that my debt agreement is the one that sort of hinders me because of that. And, b,\n\nChannel 0: Mhmm.\n\nChannel 1: it's mainly the interest rate and the repayments. If I can just obviously bring down the repayments for fortnight.\n\nChannel 0: Yep.\n\nChannel 1: I'm even at the point where I'm happy to downgrade my car if I have to. You know what I mean? If\n\nChannel 0: Yeah.\n\nChannel 1: there's another strategy, like, I'm at the point where buying a house is, like, my main focus.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I'm willing to make the the little sacrifices to get where I need to get to.\n\nChannel 0: Okay. Okay.\n\nChannel 1: Yep.\n\nChannel 0: What I might get you to do for me following this call is with your debts, can you just email me through? Do you have my email address?\n\nChannel 1: If\n\nChannel 0: You\n\nChannel 1: you can\n\nChannel 0: sure?\n\nChannel 1: just send me through an email. I have so many I need to organize it, but if you don't mind so I don't email the wrong person, I would appreciate\n\nChannel 0: Of course.\n\nChannel 1: that. Yep.\n\nChannel 0: I can do that. I'll do that now.\n\nChannel 1: Okay.\n\nChannel 0: The reason being is sorry. I'm just reading this.\n\nChannel 1: No worries.\n\nChannel 0: Tommy's assistant. Okay. So what we would do is we'd do the super and insurance advice first and then look at that strategy phase because you'll be an ongoing client then. But I actually think that you're probably it's not probably anything that I'm gonna like, any debt reduction. It's gonna be you're gonna broker that can probably help you in this space.\n\nChannel 1: Okay.\n\nChannel 0: I actually think the debt would be from a broker perspective. But in the meantime, what I'm going to do is I'm gonna send you an email. If you and I'll I'll just put in the email. Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along\n\nChannel 1: Yep.\n\nChannel 0: with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you.\n\nChannel 1: Yep.\n\nChannel 0: I think that will work better. I'm just getting together some details. Alright. So I'm gonna send that through to you. But as of Monday, I will start looking at options for you and start getting your advice document ready for\n\nChannel 1: Okay.\n\nChannel 0: your super and your insurance. And, I suspect in about potentially two weeks, we'll have that altogether for you to present and get underway\n\nChannel 1: Okay.\n\nChannel 0: probably less than two weeks ideally. And then and I'll also in the meantime, once I get that information, I'll talk to one of the brokers that we use to see what can be done for you or for like, how they if they have any strategy that they can help.\n\nChannel 1: Okay. I'll yeah. I'll appreciate that. That'll be super helpful.\n\nChannel 0: No worries at all. I'm gonna send you through an email now. And as of Monday, I will start working on your file.\n\nChannel 1: No worries. I'm so excited. Thank you so much. You've been so helpful. I was even telling Sandy, I'm like, I'm so glad I came across you guys.\n\nThank you so much. I really appreciate it.\n\nChannel 0: No. That is our absolute pressure a pleasure. So you can tell it's nearly finished time because\n\nChannel 1: It's\n\nChannel 0: I'm\n\nChannel 1: 05:00\n\nChannel 0: mixing my\n\nChannel 1: somewhere\n\nChannel 0: words\n\nChannel 1: in the\n\nChannel 0: up.\n\nChannel 1: world, so they're worried. No\n\nChannel 0: That's\n\nChannel 1: judgment.\n\nChannel 0: right. Beautiful. Alright. Well, enjoy your weekend, Kat, and I will speak with you very soon.\n\nChannel 1: Okay. No worries. Take care. Thank you.\n\nChannel 0: Okay. You too. Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jenna.","start":0.56,"end":1.28,"sentiment":"neutral","sentiment_score":0.18951283395290375},{"text":"How are you today?","start":1.28,"end":2.26,"sentiment":"neutral","sentiment_score":0.29863450676202774}],"sentiment":"neutral","sentiment_score":0.2622606158256531,"channel":1,"num_words":6,"start":0.56,"end":2.26},{"sentences":[{"text":"I'm good, Kat.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.4870585302511851},{"text":"How are you?","start":3.84,"end":4.74,"sentiment":"positive","sentiment_score":0.3937935431798299}],"sentiment":"positive","sentiment_score":0.4404260367155075,"channel":0,"num_words":6,"start":2.8799999,"end":4.74},{"sentences":[{"text":"I'm good.","start":4.7999997,"end":5.52,"sentiment":"neutral","sentiment_score":0.26825644075870514},{"text":"Apologies I missed your call.","start":5.52,"end":6.64,"sentiment":"neutral","sentiment_score":-0.18841272890567778},{"text":"I was just in a team meeting.","start":6.64,"end":8.02,"sentiment":"neutral","sentiment_score":-0.07736725200499807}],"sentiment":"neutral","sentiment_score":-0.06765153764614038,"channel":1,"num_words":14,"start":4.7999997,"end":8.02},{"sentences":[{"text":"No.","start":8.639999,"end":8.88,"sentiment":"neutral","sentiment_score":-0.0003073103725910187},{"text":"You're absolutely fine.","start":8.88,"end":10.42,"sentiment":"neutral","sentiment_score":0.17101442317167917},{"text":"Just before I go any further, I need to let you know that our calls are recorded for quality and coaching purposes.","start":10.48,"end":18.675,"sentiment":"neutral","sentiment_score":0.014848367480391806},{"text":"Is that okay?","start":18.735,"end":19.715,"sentiment":"neutral","sentiment_score":0.04213909928997358}],"sentiment":"neutral","sentiment_score":0.033304046261413346,"channel":0,"num_words":29,"start":8.639999,"end":19.715},{"sentences":[{"text":"Yeah.","start":20.055,"end":20.375,"sentiment":"neutral","sentiment_score":0.11919142305850984},{"text":"That's fine.","start":20.375,"end":20.855,"sentiment":"neutral","sentiment_score":0.27225177735090256},{"text":"It's all good.","start":20.855,"end":21.415,"sentiment":"positive","sentiment_score":0.5175496538480123},{"text":"I understand.","start":21.415,"end":22.075,"sentiment":"neutral","sentiment_score":0.2834140360355377}],"sentiment":"positive","sentiment_score":0.3478965014219284,"channel":1,"num_words":8,"start":20.055,"end":22.075},{"sentences":[{"text":"Fantastic.","start":22.095,"end":22.595,"sentiment":"positive","sentiment_score":0.5161728858947754},{"text":"And, Kat, I just need you to confirm your full name, date of birth, and address, please.","start":23.375,"end":28.13,"sentiment":"neutral","sentiment_score":0.08229898179278654}],"sentiment":"neutral","sentiment_score":0.10640308757623036,"channel":0,"num_words":18,"start":22.095,"end":28.13},{"sentences":[{"text":"Yes.","start":28.57,"end":28.81,"sentiment":"neutral","sentiment_score":0.061263736337423325},{"text":"Certainly.","start":28.81,"end":29.31,"sentiment":"neutral","sentiment_score":0.06776238977909088},{"text":"So my full name is Katahos Seneke.","start":29.369999,"end":31.869999,"sentiment":"neutral","sentiment_score":0.051330365772758214},{"text":"Address is 90 Gowong Avenue In Willow 3750, Victoria.","start":32.17,"end":37.15,"sentiment":"neutral","sentiment_score":0.05004020987285508},{"text":"Do you say date of birth as well?","start":37.29,"end":38.989998,"sentiment":"neutral","sentiment_score":0.032081135315820575}],"sentiment":"neutral","sentiment_score":0.04597498684261854,"channel":1,"num_words":26,"start":28.57,"end":38.989998},{"sentences":[{"text":"Yes, please.","start":39.79,"end":40.455,"sentiment":"neutral","sentiment_score":0.026652414351701736}],"sentiment":"neutral","sentiment_score":0.026652414351701736,"channel":0,"num_words":2,"start":39.79,"end":40.455},{"sentences":[{"text":"Fourth of August nine zero four.","start":40.809998,"end":42.435,"sentiment":"neutral","sentiment_score":0.025236782617866993}],"sentiment":"neutral","sentiment_score":0.025236782617866993,"channel":1,"num_words":6,"start":40.809998,"end":42.435},{"sentences":[{"text":"Beautiful.","start":43.415,"end":43.915,"sentiment":"positive","sentiment_score":0.570166826248169},{"text":"Thank you.","start":44.135002,"end":44.875,"sentiment":"positive","sentiment_score":0.635562002658844},{"text":"I was just touching base with you today to see how you're feeling following our conversation on Wednesday, what your thoughts","start":45.175003,"end":52.77,"sentiment":"neutral","sentiment_score":0.2908105133544831}],"sentiment":"neutral","sentiment_score":0.33117965050041676,"channel":0,"num_words":24,"start":43.415,"end":52.77},{"sentences":[{"text":"Yes.","start":54.835,"end":55.155,"sentiment":"positive","sentiment_score":0.402112752199173},{"text":"I'm happy to proceed.","start":55.155,"end":56.295002,"sentiment":"positive","sentiment_score":0.5608091354370117}],"sentiment":"positive","sentiment_score":0.529069858789444,"channel":1,"num_words":5,"start":54.835,"end":56.295002},{"sentences":[{"text":"are.","start":57.170002,"end":57.25,"sentiment":"positive","sentiment_score":0.37174922227859497},{"text":"Yep.","start":57.25,"end":57.75,"sentiment":"neutral","sentiment_score":0.15688900649547577}],"sentiment":"neutral","sentiment_score":0.26431911438703537,"channel":0,"num_words":2,"start":57.170002,"end":57.75},{"sentences":[{"text":"For now, I just wanna focus more on the super side of things.","start":57.870003,"end":61.89,"sentiment":"neutral","sentiment_score":0.2026205681837522}],"sentiment":"neutral","sentiment_score":0.2026205681837522,"channel":1,"num_words":13,"start":57.870003,"end":61.89},{"sentences":[{"text":"Yep.","start":62.37,"end":62.87,"sentiment":"neutral","sentiment_score":0.12256205081939696}],"sentiment":"neutral","sentiment_score":0.12256205081939696,"channel":0,"num_words":1,"start":62.37,"end":62.87},{"sentences":[{"text":"And then in terms of the wheel creation, I will reach out to the pamphlet that you recommended at the g times.","start":63.07,"end":70.69,"sentiment":"neutral","sentiment_score":0.12013930624181574},{"text":"So I'll reach out to them.","start":71.625,"end":72.665,"sentiment":"neutral","sentiment_score":0.12064287066459656},{"text":"I'll","start":72.665,"end":72.905,"sentiment":"neutral","sentiment_score":0.10523144900798798}],"sentiment":"neutral","sentiment_score":0.11972942794191427,"channel":1,"num_words":29,"start":63.07,"end":72.905},{"sentences":[{"text":"Yep.","start":72.77251,"end":73.27251,"sentiment":"neutral","sentiment_score":0.08893313258886337}],"sentiment":"neutral","sentiment_score":0.08893313258886337,"channel":0,"num_words":1,"start":72.77251,"end":73.27251},{"sentences":[{"text":"do that one separately, but for now, I just wanna sort of get my super stuff organized and then obviously start contributing, etcetera.","start":72.905,"end":79.565,"sentiment":"neutral","sentiment_score":0.15515808404787726},{"text":"Another question I I had was you asked me a question.","start":80.985,"end":84.345,"sentiment":"neutral","sentiment_score":0.005568355999209664},{"text":"I wasn't too sure on how to answer it because at the time, it was, like, information overlay.","start":84.345,"end":88.369995,"sentiment":"neutral","sentiment_score":-0.03482918979393111},{"text":"But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt.","start":88.369995,"end":95.97,"sentiment":"neutral","sentiment_score":-0.004746772320665762},{"text":"I just wanted to get more information how the system works.","start":95.97,"end":98.77,"sentiment":"neutral","sentiment_score":0.04197136431255124}],"sentiment":"neutral","sentiment_score":0.0395319817551193,"channel":1,"num_words":85,"start":72.905,"end":98.77},{"sentences":[{"text":"Do I need to pay anything out of pocket?","start":98.77,"end":100.69,"sentiment":"neutral","sentiment_score":-0.055118583970599704},{"text":"Like, how does the whole thing work in terms of it?","start":100.69,"end":103.975,"sentiment":"neutral","sentiment_score":0.003992843864993615}],"sentiment":"neutral","sentiment_score":-0.02260729866102338,"channel":1,"num_words":20,"start":98.77,"end":103.975},{"sentences":[{"text":"Yeah.","start":104.615005,"end":104.855,"sentiment":"neutral","sentiment_score":0.022680751979351044},{"text":"Okay.","start":104.855,"end":105.255005,"sentiment":"neutral","sentiment_score":0.042885031551122665},{"text":"So what I was probably referencing more than anything is if you wanted to pay it down quicker, we can come up with a strategy to do so in a certain amount of time depending on what your goals and objectives were.","start":105.255005,"end":123.875,"sentiment":"neutral","sentiment_score":0.09993507704209714},{"text":"So, for example, if you wanted to pay down your debt, which you I'm assuming you'd be able to do as a banker anyway.","start":123.875,"end":130.61499,"sentiment":"neutral","sentiment_score":0.011037406628020108},{"text":"But","start":131.235,"end":131.47499,"sentiment":"neutral","sentiment_score":0.002868024632334709}],"sentiment":"neutral","sentiment_score":0.0656609391739619,"channel":0,"num_words":69,"start":104.615005,"end":131.47499},{"sentences":[{"text":"Mhmm.","start":131.42,"end":131.92,"sentiment":"neutral","sentiment_score":-0.0030406913720071316}],"sentiment":"neutral","sentiment_score":-0.0030406913720071316,"channel":1,"num_words":1,"start":131.42,"end":131.92},{"sentences":[{"text":"if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time.","start":131.47499,"end":156.50499,"sentiment":"neutral","sentiment_score":0.04053782417938329}],"sentiment":"neutral","sentiment_score":0.04053782417938329,"channel":0,"num_words":69,"start":131.47499,"end":156.50499},{"sentences":[{"text":"Okay.","start":157.655,"end":158.135,"sentiment":"positive","sentiment_score":0.36002546548843384},{"text":"Beautiful.","start":158.135,"end":158.635,"sentiment":"positive","sentiment_score":0.5592689514160156},{"text":"And in terms of payment, would I need to pay that one out of pocket if it's something I'm interested in?","start":158.935,"end":164.475,"sentiment":"neutral","sentiment_score":0.14009897907574972}],"sentiment":"neutral","sentiment_score":0.1678857816302258,"channel":1,"num_words":23,"start":157.655,"end":164.475},{"sentences":[{"text":"For 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I grow about that and cost affiliated with that?","start":178.38,"end":181.44,"sentiment":"neutral","sentiment_score":-0.0377790505066514}],"sentiment":"neutral","sentiment_score":-0.0377790505066514,"channel":1,"num_words":10,"start":178.38,"end":181.44},{"sentences":[{"text":"Alright.","start":182.155,"end":182.555,"sentiment":"neutral","sentiment_score":0.0401260070502758},{"text":"Give me one second, and I will tell you.","start":182.555,"end":186.495,"sentiment":"neutral","sentiment_score":0.026009828887052007},{"text":"Did you have a think about your insurances any","start":186.715,"end":189.55,"sentiment":"neutral","sentiment_score":0.0011681274821360905}],"sentiment":"neutral","sentiment_score":0.014985663914366773,"channel":0,"num_words":19,"start":182.155,"end":189.55},{"sentences":[{"text":"With 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worries.","start":806.22504,"end":806.965,"sentiment":"neutral","sentiment_score":0.021456007845699787}],"sentiment":"neutral","sentiment_score":0.021456007845699787,"channel":1,"num_words":2,"start":806.22504,"end":806.965},{"sentences":[{"text":"Tommy's assistant.","start":814.63,"end":826.63,"sentiment":"neutral","sentiment_score":0.021374154835939407},{"text":"Okay.","start":826.63,"end":827.13,"sentiment":"neutral","sentiment_score":0.04791472107172012},{"text":"So what we would do is we'd do the super and insurance advice first and then look at that strategy phase because you'll be an ongoing client then.","start":827.26996,"end":838.80505,"sentiment":"neutral","sentiment_score":0.0879045787400433},{"text":"But I actually think that you're probably it's not probably anything that I'm gonna like, any debt reduction.","start":839.42505,"end":843.07837,"sentiment":"neutral","sentiment_score":0.0013114408486419255},{"text":"It's gonna be you're gonna broker that can probably help you in this space.","start":843.07837,"end":854.86,"sentiment":"neutral","sentiment_score":0.08396423475018569}],"sentiment":"neutral","sentiment_score":0.0595412136070312,"channel":0,"num_words":63,"start":814.63,"end":854.86},{"sentences":[{"text":"Okay.","start":855.695,"end":856.195,"sentiment":"neutral","sentiment_score":0.03320803493261337}],"sentiment":"neutral","sentiment_score":0.03320803493261337,"channel":1,"num_words":1,"start":855.695,"end":856.195},{"sentences":[{"text":"I actually think the debt would be from a broker perspective.","start":857.48,"end":861.735,"sentiment":"neutral","sentiment_score":0.026503795757889748},{"text":"But in the meantime, what I'm going to do is I'm gonna send you an email.","start":862.675,"end":867.655,"sentiment":"neutral","sentiment_score":0.048941609682515264},{"text":"If you and I'll I'll just put in the email.","start":868.275,"end":870.59503,"sentiment":"neutral","sentiment_score":0.05227579176425934},{"text":"Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along","start":870.59503,"end":879.52997,"sentiment":"neutral","sentiment_score":0.046056495088598}],"sentiment":"neutral","sentiment_score":0.04427774688228965,"channel":0,"num_words":60,"start":857.48,"end":879.52997},{"sentences":[{"text":"Yep.","start":879.35,"end":879.85,"sentiment":"neutral","sentiment_score":0.056624770164489746}],"sentiment":"neutral","sentiment_score":0.056624770164489746,"channel":1,"num_words":1,"start":879.35,"end":879.85},{"sentences":[{"text":"with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you.","start":879.52997,"end":889.305,"sentiment":"neutral","sentiment_score":0.08657517842948437}],"sentiment":"neutral","sentiment_score":0.08657517842948437,"channel":0,"num_words":28,"start":879.52997,"end":889.305},{"sentences":[{"text":"Yep.","start":890.045,"end":890.545,"sentiment":"neutral","sentiment_score":0.09433962404727936}],"sentiment":"neutral","sentiment_score":0.09433962404727936,"channel":1,"num_words":1,"start":890.045,"end":890.545},{"sentences":[{"text":"I think that will work better.","start":891.76495,"end":893.545,"sentiment":"neutral","sentiment_score":0.13940681517124176},{"text":"I'm just getting together some details.","start":893.845,"end":898.90497,"sentiment":"neutral","sentiment_score":0.10000547518332799},{"text":"Alright.","start":899.125,"end":899.44495,"sentiment":"neutral","sentiment_score":0.10088162869215012},{"text":"So I'm gonna send that through to you.","start":899.44495,"end":901.58,"sentiment":"neutral","sentiment_score":0.07815942075103521},{"text":"But as of Monday, I will start looking at options for you and start getting your advice document ready for","start":902.92004,"end":916.735,"sentiment":"neutral","sentiment_score":0.049351260997354984}],"sentiment":"neutral","sentiment_score":0.07682087699451097,"channel":0,"num_words":41,"start":891.76495,"end":916.735},{"sentences":[{"text":"Okay.","start":916.475,"end":916.975,"sentiment":"neutral","sentiment_score":0.0323023721575737}],"sentiment":"neutral","sentiment_score":0.0323023721575737,"channel":1,"num_words":1,"start":916.475,"end":916.975},{"sentences":[{"text":"your super and your insurance.","start":916.735,"end":918.515,"sentiment":"neutral","sentiment_score":0.03695140965282917},{"text":"And, I suspect in about potentially two weeks, we'll have that altogether for you to present and get underway","start":919.53503,"end":929.55,"sentiment":"neutral","sentiment_score":0.027270039445475527}],"sentiment":"neutral","sentiment_score":0.029286991572007537,"channel":0,"num_words":24,"start":916.735,"end":929.55},{"sentences":[{"text":"Okay.","start":930.62,"end":931.12,"sentiment":"neutral","sentiment_score":-0.011907301843166351}],"sentiment":"neutral","sentiment_score":-0.011907301843166351,"channel":1,"num_words":1,"start":930.62,"end":931.12},{"sentences":[{"text":"probably less than two weeks ideally.","start":930.73,"end":932.75,"sentiment":"neutral","sentiment_score":-0.03089170219997565},{"text":"And then and I'll also in the meantime, once I get that information, I'll talk to one of the brokers that we use to see what can be done for you or for like, how they if they have any strategy that they can help.","start":933.69,"end":950.045,"sentiment":"neutral","sentiment_score":0.02955924959646331}],"sentiment":"neutral","sentiment_score":0.022447372914529314,"channel":0,"num_words":51,"start":930.73,"end":950.045},{"sentences":[{"text":"Okay.","start":951.555,"end":952.035,"sentiment":"neutral","sentiment_score":0.12743708491325378},{"text":"I'll yeah.","start":952.035,"end":952.595,"sentiment":"neutral","sentiment_score":0.16920799762010574},{"text":"I'll appreciate that.","start":952.595,"end":953.555,"sentiment":"positive","sentiment_score":0.36101343234380084},{"text":"That'll be super helpful.","start":953.555,"end":954.935,"sentiment":"positive","sentiment_score":0.5053965300321579}],"sentiment":"positive","sentiment_score":0.35704794973134996,"channel":1,"num_words":10,"start":951.555,"end":954.935},{"sentences":[{"text":"No worries at all.","start":955.865,"end":956.88,"sentiment":"neutral","sentiment_score":0.18731625378131866},{"text":"I'm gonna send you through an email now.","start":956.88,"end":959.06,"sentiment":"neutral","sentiment_score":0.11237207520753145},{"text":"And as of Monday, I will start working on your file.","start":959.52,"end":963.22003,"sentiment":"neutral","sentiment_score":0.08567715368487618}],"sentiment":"neutral","sentiment_score":0.11263870901387671,"channel":0,"num_words":23,"start":955.865,"end":963.22003},{"sentences":[{"text":"No worries.","start":963.70996,"end":964.19,"sentiment":"neutral","sentiment_score":0.29124853014945984},{"text":"I'm so excited.","start":964.19,"end":964.99,"sentiment":"positive","sentiment_score":0.4886967142422994},{"text":"Thank you so much.","start":964.99,"end":965.95,"sentiment":"positive","sentiment_score":0.7048661410808563},{"text":"You've been so helpful.","start":965.95,"end":968.29,"sentiment":"positive","sentiment_score":0.6276321560144424},{"text":"I was even telling Sandy, I'm like, I'm so glad I came across you guys.","start":968.35,"end":972.26996,"sentiment":"positive","sentiment_score":0.5147201597690583}],"sentiment":"positive","sentiment_score":0.5392636709979602,"channel":1,"num_words":28,"start":963.70996,"end":972.26996},{"sentences":[{"text":"Thank you so much.","start":972.26996,"end":972.99,"sentiment":"positive","sentiment_score":0.6494603753089905},{"text":"I really appreciate it.","start":972.99,"end":974.055,"sentiment":"positive","sentiment_score":0.5784760266542435}],"sentiment":"positive","sentiment_score":0.613968200981617,"channel":1,"num_words":8,"start":972.26996,"end":974.055},{"sentences":[{"text":"No.","start":974.695,"end":974.855,"sentiment":"neutral","sentiment_score":0.13007532060146332},{"text":"That is our absolute pressure a pleasure.","start":974.855,"end":977.595,"sentiment":"neutral","sentiment_score":0.23742320707866124},{"text":"So you can tell it's nearly finished time because","start":977.815,"end":980.135,"sentiment":"neutral","sentiment_score":0.04691829201247957}],"sentiment":"neutral","sentiment_score":0.13025308225084753,"channel":0,"num_words":17,"start":974.695,"end":980.135},{"sentences":[{"text":"It's","start":979.975,"end":980.21497,"sentiment":"neutral","sentiment_score":-0.017209943383932114}],"sentiment":"neutral","sentiment_score":-0.017209943383932114,"channel":1,"num_words":1,"start":979.975,"end":980.21497},{"sentences":[{"text":"I'm","start":980.135,"end":980.295,"sentiment":"neutral","sentiment_score":-0.01838066056370735}],"sentiment":"neutral","sentiment_score":-0.01838066056370735,"channel":0,"num_words":1,"start":980.135,"end":980.295},{"sentences":[{"text":"05:00","start":980.21497,"end":980.77496,"sentiment":"neutral","sentiment_score":-0.01885510236024857}],"sentiment":"neutral","sentiment_score":-0.01885510236024857,"channel":1,"num_words":1,"start":980.21497,"end":980.77496},{"sentences":[{"text":"mixing my","start":980.295,"end":980.77496,"sentiment":"neutral","sentiment_score":-0.044291239231824875}],"sentiment":"neutral","sentiment_score":-0.044291239231824875,"channel":0,"num_words":2,"start":980.295,"end":980.77496},{"sentences":[{"text":"somewhere","start":980.77496,"end":981.095,"sentiment":"neutral","sentiment_score":-0.07090531289577484}],"sentiment":"neutral","sentiment_score":-0.07090531289577484,"channel":1,"num_words":1,"start":980.77496,"end":981.095},{"sentences":[{"text":"words","start":980.77496,"end":981.175,"sentiment":"neutral","sentiment_score":-0.02020740509033203}],"sentiment":"neutral","sentiment_score":-0.02020740509033203,"channel":0,"num_words":1,"start":980.77496,"end":981.175},{"sentences":[{"text":"in the","start":981.095,"end":981.415,"sentiment":"neutral","sentiment_score":-0.05948193371295929}],"sentiment":"neutral","sentiment_score":-0.05948193371295929,"channel":1,"num_words":2,"start":981.095,"end":981.415},{"sentences":[{"text":"up.","start":981.175,"end":981.675,"sentiment":"neutral","sentiment_score":-0.025741416960954663}],"sentiment":"neutral","sentiment_score":-0.025741416960954663,"channel":0,"num_words":1,"start":981.175,"end":981.675},{"sentences":[{"text":"world, so they're worried.","start":981.415,"end":982.455,"sentiment":"neutral","sentiment_score":-0.062344268430024385},{"text":"No","start":982.455,"end":982.615,"sentiment":"neutral","sentiment_score":-0.02233394980430603}],"sentiment":"neutral","sentiment_score":-0.054342204704880714,"channel":1,"num_words":5,"start":981.415,"end":982.615},{"sentences":[{"text":"That's","start":982.455,"end":982.77496,"sentiment":"neutral","sentiment_score":0.0775458961725235}],"sentiment":"neutral","sentiment_score":0.0775458961725235,"channel":0,"num_words":1,"start":982.455,"end":982.77496},{"sentences":[{"text":"judgment.","start":982.615,"end":983.115,"sentiment":"neutral","sentiment_score":-0.10143321752548218}],"sentiment":"neutral","sentiment_score":-0.10143321752548218,"channel":1,"num_words":1,"start":982.615,"end":983.115},{"sentences":[{"text":"right.","start":982.77496,"end":983.27496,"sentiment":"neutral","sentiment_score":0.1733223795890808},{"text":"Beautiful.","start":985.33496,"end":985.83496,"sentiment":"positive","sentiment_score":0.723084568977356},{"text":"Alright.","start":986.27,"end":986.59,"sentiment":"positive","sentiment_score":0.6225671768188477},{"text":"Well, enjoy your weekend, Kat, and I will speak with you very soon.","start":986.59,"end":990.29,"sentiment":"positive","sentiment_score":0.7006119535519526}],"sentiment":"positive","sentiment_score":0.6641830950975418,"channel":0,"num_words":16,"start":982.77496,"end":990.29},{"sentences":[{"text":"Okay.","start":990.6749,"end":991.0749,"sentiment":"neutral","sentiment_score":0.3297077417373657},{"text":"No worries.","start":991.0749,"end":991.6349,"sentiment":"neutral","sentiment_score":0.31559157371520996},{"text":"Take care.","start":991.6349,"end":992.1149,"sentiment":"positive","sentiment_score":0.49923551082611084},{"text":"Thank you.","start":992.1149,"end":992.7749,"sentiment":"positive","sentiment_score":0.7593843936920166}],"sentiment":"positive","sentiment_score":0.49687581402914865,"channel":1,"num_words":7,"start":990.6749,"end":992.7749},{"sentences":[{"text":"Okay.","start":992.43,"end":992.93,"sentiment":"positive","sentiment_score":0.4193946123123169},{"text":"You too.","start":992.99,"end":993.63,"sentiment":"positive","sentiment_score":0.45212437212467194},{"text":"Bye.","start":993.63,"end":994.13,"sentiment":"neutral","sentiment_score":0.2223162353038788}],"sentiment":"positive","sentiment_score":0.3864898979663849,"channel":0,"num_words":4,"start":992.43,"end":994.13},{"sentences":[{"text":"Bye.","start":994.2749,"end":994.7749,"sentiment":"neutral","sentiment_score":0.16701611876487732}],"sentiment":"neutral","sentiment_score":0.16701611876487732,"channel":1,"num_words":1,"start":994.2749,"end":994.7749},{"sentences":[{"text":"Bye.","start":995.23,"end":995.73,"sentiment":"neutral","sentiment_score":-0.09873238205909728}],"sentiment":"neutral","sentiment_score":-0.09873238205909728,"channel":0,"num_words":1,"start":995.23,"end":995.73}]},"summary":{"result":"success","short":"A representative from a company called an insurance company discusses the customer's debt and insurance plans with a customer named Kat. The customer wants to focus on their health and debt, and the representative explains that the insurance company will look at their pre assessment and social security number to determine eligibility for life and death cover. The representative also suggests paying out of pocket or funding it from a super fund to tap into the property market. The customer confirms their debt details and goals for wealth building, and the agent suggests refinancing debt and sending an email with details."},"intents":{"segments":[{"text":"Another question I I had was you asked me a question. I wasn't too sure on how to answer it because at the time, it was, like, information overlay. But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt.","start_word":213,"end_word":263,"intents":[{"intent":"Assist with debt","confidence_score":0.13110782}]},{"text":"I just wanted to get more information how the system works. Do I need to pay anything out of pocket? Like, how does the whole thing work in terms of it? Yeah.","start_word":264,"end_word":295,"intents":[{"intent":"Understand system operation","confidence_score":0.0003799042}]},{"text":"if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time. Okay. Beautiful.","start_word":365,"end_word":435,"intents":[{"intent":"Clarify debt options","confidence_score":0.0006846092}]},{"text":"So life insurance at the moment, they're willing to give to you, but it's got a 150% loading.","start_word":686,"end_word":703,"intents":[{"intent":"Apply for life insurance","confidence_score":0.001969558}]},{"text":"I believe it is covered under the implementation fee. So you know that fee that we talked about earlier on Wednesday? Mhmm.","start_word":1219,"end_word":1240,"intents":[{"intent":"Confirm coverage and research","confidence_score":0.0055798236}]},{"text":"So you know that fee that we talked about earlier on Wednesday? Mhmm.","start_word":1228,"end_word":1240,"intents":[{"intent":"Confirm cost","confidence_score":0.07390199}]},{"text":"So you you're possibly looking at refinancing the debt into one as well if you can? Yes. Look.","start_word":1748,"end_word":1765,"intents":[{"intent":"Discuss refinancing debt","confidence_score":0.010994102}]},{"text":"But in the meantime, what I'm going to do is I'm gonna send you an email. If you and I'll I'll just put in the email. Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along Yep. with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you.","start_word":2054,"end_word":2131,"intents":[{"intent":"Send email","confidence_score":0.66029024}]},{"text":"If you and I'll I'll just put in the email. Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along Yep. with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you. Yep.","start_word":2070,"end_word":2132,"intents":[{"intent":"Provide information","confidence_score":0.41962138}]},{"text":"But as of Monday, I will start looking at options for you and start getting your advice document ready for Okay.","start_word":2154,"end_word":2174,"intents":[{"intent":"Discuss options","confidence_score":0.48855197}]},{"text":"I'll appreciate that. That'll be super helpful. No worries at all.","start_word":2254,"end_word":2264,"intents":[{"intent":"Express gratitude","confidence_score":0.43504477},{"intent":"Express gratitude","confidence_score":0.4801606}]},{"text":"I'm gonna send you through an email now. And as of Monday, I will start working on your file. No worries.","start_word":2265,"end_word":2285,"intents":[{"intent":"Start working on file","confidence_score":0.5576122}]}]},"sentiments":{"segments":[{"text":"Hi, Jenna. How are you today?","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.2386806756258011},{"text":"I'm good, Kat. How are you?","start_word":6,"end_word":11,"sentiment":"positive","sentiment_score":0.44961047172546387},{"text":"I'm good. Apologies I missed your call. I was just in a team meeting. No. You're absolutely fine. Just before I go any further, I need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine.","start_word":12,"end_word":57,"sentiment":"neutral","sentiment_score":0.03462280333042145},{"text":"It's all good.","start_word":58,"end_word":60,"sentiment":"positive","sentiment_score":0.5111616849899292},{"text":"I understand.","start_word":61,"end_word":62,"sentiment":"neutral","sentiment_score":0.28761720657348633},{"text":"Fantastic.","start_word":63,"end_word":63,"sentiment":"positive","sentiment_score":0.5161728858947754},{"text":"And, Kat, I just need you to confirm your full name, date of birth, and address, please. Yes. Certainly. So my full name is Katahos Seneke. Address is 90 Gowong Avenue In Willow 3750, Victoria. Do you say date of birth as well? Yes, please. Fourth of August nine zero four.","start_word":64,"end_word":114,"sentiment":"neutral","sentiment_score":0.05738275125622749},{"text":"Beautiful. Thank you.","start_word":115,"end_word":117,"sentiment":"positive","sentiment_score":0.6065478324890137},{"text":"I was just touching base with you today to see how you're feeling following our conversation on Wednesday, what your thoughts Yes.","start_word":118,"end_word":139,"sentiment":"neutral","sentiment_score":0.29559603333473206},{"text":"I'm happy to proceed. are.","start_word":140,"end_word":144,"sentiment":"positive","sentiment_score":0.517511248588562},{"text":"Yep. For now, I just wanna focus more on the super side of things. Yep. And then in terms of the wheel creation, I will reach out to the pamphlet that you recommended at the g times. So I'll reach out to them. I'll Yep. do that one separately, but for now, I just wanna sort of get my super stuff organized and then obviously start contributing, etcetera. Another question I I had was you asked me a question. I wasn't too sure on how to answer it because at the time, it was, like, information overlay. But you're asking the question in the sense that with my existing debt, if there's a way to assist with that debt. I just wanted to get more information how the system works. Do I need to pay anything out of pocket? Like, how does the whole thing work in terms of it? Yeah. Okay. So what I was probably referencing more than anything is if you wanted to pay it down quicker, we can come up with a strategy to do so in a certain amount of time depending on what your goals and objectives were. So, for example, if you wanted to pay down your debt, which you I'm assuming you'd be able to do as a banker anyway. But Mhmm. if you wanted to pay it off let's say there was a loan term remaining of five years that you wanted to get that paid down in three, we would work out how much you'd need to pay towards that and which which debt would focus on first, whether it would always be the one with the highest interest and how to achieve that over the period of time.","start_word":145,"end_word":433,"sentiment":"neutral","sentiment_score":0.05649912537149698},{"text":"Okay. Beautiful.","start_word":434,"end_word":435,"sentiment":"positive","sentiment_score":0.4596472382545471},{"text":"And in terms of payment, would I need to pay that one out of pocket if it's something I'm interested in? For advice Yeah. So from let's just me. say that I wanted yeah. Let's just say I wanted to the Medicare will sit down, come up with a strategy to sort of pay off my debt to sort of put me in a better Mhmm. advantage? How Mhmm. do I grow about that and cost affiliated with that? Alright. Give me one second, and I will tell you. Did you have a think about your insurances any With insurance further? can you mind just give me a second? Is that okay with you? Yeah. Of course. Yeah. Of course. Sure. Sorry, Jenna. Can you hear me? Sorry about that. No. You're fine. That's absolutely fine. I'm just fine. Okay. So in terms of insurance, what's important for me at the moment is life insurance, Mhmm. income protection, and EPD. That's a Yep. disability one. Yeah. Yep. That one. Yeah. That's right. Yeah. Alright.","start_word":436,"end_word":609,"sentiment":"neutral","sentiment_score":0.04825396463274956},{"text":"Beautiful.","start_word":610,"end_word":610,"sentiment":"positive","sentiment_score":0.4700608849525452},{"text":"Because there was something that I just needed to talk to you briefly about. So we did a pre assessment with the insurance companies. And Mhmm. at the moment and what they do is they look at your so the the health that, you know, that pre assessment we went through where I asked a lot of imposing questions. Yeah. So at the moment, I've had one of our team members do a pre assessment. So life insurance at the moment, they're willing to give to you, but it's got a 150% loading. So say, for example, it was a $100 for a year, it would be $250 for a year based on the fact that you're just going through a weight loss journey at the moment, and they look at your BMI. So they so based on that, that's the outcome. But what I've been able to do is one of the super funds we're working with at the moment that Sandile's also with is they're offering group cover with no underwriting. It's not gonna give you the full amount of cover that you want. It will give you $200,000 of death cover and TPD and would have to look at applying for income protection. But that's no underwriting at the moment. And what it would mean is once you have your BMI is under forty, they would then look at offering you cover with the retail underwriters. So how they calculate that is is they look at your weight now and your height and your BMI. And even though you've lost 12 kilos, they still add back six kilos for the time being until you've gone through your initial weight loss journey to allow for that. So let me tell you what the insurance companies are actually looking at at the moment that your BMI is. Sorry.","start_word":611,"end_word":919,"sentiment":"neutral","sentiment_score":0.035927200237813504},{"text":"It's very I feel so rude when I talk about this sort of stuff because It's it's just fine. not It's okay.","start_word":920,"end_word":941,"sentiment":"negative","sentiment_score":-0.4261240065097809},{"text":"It is what nice. it is.","start_word":942,"end_word":947,"sentiment":"neutral","sentiment_score":-0.3091437518596649},{"text":"It's it's just not nice.","start_word":948,"end_word":952,"sentiment":"negative","sentiment_score":-0.6085083484649658},{"text":"Okay. So you are a hundred and fifty seven centimeters and a hundred and two. So if we add six back onto that, that's a hundred and eight. Your BMI is sitting at about forty three point eight at the moment. As soon Mhmm. as it gets under that 40, we can look at applying for retail cover, which will give you those higher levels of cover. But at Okay. the moment, to get life and TPD, you can through group cover with your insurance fund and, obviously your insurance fund, your super fund. And, obviously, you've got a little bit with your super fund at the moment. So I what I have to do is I need to go and cross check and see what we can and can't do because we don't wanna put you in a worse off position. Okay. Yep. I understand. So I I do need to just do a little bit of research on that. And with the the the the debt consolidate or the debt strategy just give me one moment. I'm just looking for that. Okay. Don't gain weight. That's the moral of the story. Sorry? So you don't gain weight. That's the moral that's the moral of the story, but I understand I received a whole lot of health factors they need to look into. So yeah. Yeah. And that's what they base it off. Yep. Unfortunately, statistics. Yeah. Let me Well, it's just no motivation to leave the wage. That's for sure. okay. I'm just having a quick look. I'm just getting that information. Implementation fee. I believe it is covered under the implementation fee. So you know that fee that we talked about earlier on Wednesday? Mhmm. I'm just getting confirmation right now because I need to confirm because I don't wanna give you the wrong information. And we're No. it's Understandable. our work from it's our work from home day today as well. So I'm just handing quickly one of my colleagues just to make sure that I get the right info before we go any further. And just to confirm, is it out of pocket for that piece, or is it part of the whole sorry.","start_word":953,"end_word":1321,"sentiment":"neutral","sentiment_score":-0.11602198197266596},{"text":"I've I'm just kinda playing paraphrase and catching up and stuff. I just wanted to find No. out, You're is absolutely it out of pocket?","start_word":1322,"end_word":1346,"sentiment":"negative","sentiment_score":-0.4736008048057556},{"text":"fine. So you can choose to pay that out of pocket, or you can choose to have that funded from your super fund. It is up to you Okay. Yeah. just depending on the type of advice. So say, for example, we only do superannuation, then that's fine. If we do a little bit of a of a debt fee, it might be 4,005 4,750 from super and 200 from you personally because we can't access super early. We can't so it it's about accessing super early and not breaching those rules. So because it is for debt, say, for example, we prorated, it might be that, you know, a couple of 100 is payable by you Personally, we and the rest would be made up out of your super fund, but I'm just Tommy's typing very, very slow at No. the No.","start_word":1347,"end_word":1489,"sentiment":"neutral","sentiment_score":0.03695894996603053},{"text":"moment, That does smell so new fresh.","start_word":1490,"end_word":1496,"sentiment":"negative","sentiment_score":-0.3682132959365845},{"text":"I apologize. That's okay. Won't be a moment. Any other questions? Because it was information overload. That's for sure. Yeah. I think my main right now, obviously, my main focus is sort of wealth building just to make sure in terms of my SEPA, I have, a, myself covered and also my little one covered. And, also, Yes. I do you know, my goal is to obviously tap into the property market, but, obviously, I need to Mhmm. just get through my debt as much as possible. Luckily, I don't have too much debt at the moment, but I just wanna be able to sort of I'm a visual person just to sort of sit down with someone and then just crack the numbers and be like, okay. If we wanna pay off the car loan or any little debt that's Yep. come through and obviously come up with, like, an example, like a savings plan and stuff, setting up for, like, the house put deposit and stuff. Just a little more to become a little more financially fluid and just get that advice to sort of tap in the market. Because, obviously, you speak to I've spoken to, like, a lot of brokers. They've given me figures and stuff, but I actually wanna sit down with someone like, okay. These are your numbers.","start_word":1497,"end_word":1720,"sentiment":"neutral","sentiment_score":0.12609810887702874},{"text":"This is what I can work with. So in that way, I know what I'm working towards essentially. That's what I want to achieve.","start_word":1721,"end_word":1744,"sentiment":"positive","sentiment_score":0.3653026223182678},{"text":"Yep.","start_word":1745,"end_word":1745,"sentiment":"neutral","sentiment_score":0.2220904231071472},{"text":"Yep. Fantastic.","start_word":1746,"end_word":1747,"sentiment":"positive","sentiment_score":0.5410581827163696},{"text":"So you you're possibly looking at refinancing the debt into one as well if you can? Yes. Look. If I can, it'll be easier, especially my main gripe is my car loan. If I can bring, a, the interest rate down, I do acknowledge that my debt agreement is the one that sort of hinders me because of that. And, b, Mhmm. it's mainly the interest rate and the repayments. If I can just obviously bring down the repayments for fortnight. Yep. I'm even at the point where I'm happy to downgrade my car if I have to. You know what I mean? If Yeah. there's another strategy, like, I'm at the point where buying a house is, like, my main focus. Yep. But, yeah, I'm willing to make the the little sacrifices to get where I need to get to. Okay. Okay. Yep. What I might get you to do for me following this call is with your debts, can you just email me through? Do you have my email address? If You you can sure? just send me through an email. I have so many I need to organize it, but if you don't mind so I don't email the wrong person, I would appreciate Of course. that. Yep. I can do that. I'll do that now. Okay. The reason being is sorry. I'm just reading this. No worries. Tommy's assistant. Okay. So what we would do is we'd do the super and insurance advice first and then look at that strategy phase because you'll be an ongoing client then. But I actually think that you're probably it's not probably anything that I'm gonna like, any debt reduction. It's gonna be you're gonna broker that can probably help you in this space. Okay. I actually think the debt would be from a broker perspective. But in the meantime, what I'm going to do is I'm gonna send you an email. If you and I'll I'll just put in the email. Just respond with, you know, your interest rate, what in your interest rate is, the balance, and the term on the loan along Yep. with a copy of your debt agreement that has been discharged just because it makes it easier for us to try and get some information together for you. Yep. I think that will work better. I'm just getting together some details. Alright. So I'm gonna send that through to you. But as of Monday, I will start looking at options for you and start getting your advice document ready for Okay. your super and your insurance. And, I suspect in about potentially two weeks, we'll have that altogether for you to present and get underway Okay. probably less than two weeks ideally. And then and I'll also in the meantime, once I get that information, I'll talk to one of the brokers that we use to see what can be done for you or for like, how they if they have any strategy that they can help. Okay. I'll yeah.","start_word":1748,"end_word":2253,"sentiment":"neutral","sentiment_score":0.05061655762520703},{"text":"I'll appreciate that. That'll be super helpful.","start_word":2254,"end_word":2260,"sentiment":"positive","sentiment_score":0.4269369840621948},{"text":"No worries at all. I'm gonna send you through an email now. And as of Monday, I will start working on your file. No worries.","start_word":2261,"end_word":2285,"sentiment":"neutral","sentiment_score":0.13323472440242767},{"text":"I'm so excited. Thank you so much. You've been so helpful. I was even telling Sandy, I'm like, I'm so glad I came across you guys. Thank you so much. I really appreciate it.","start_word":2286,"end_word":2319,"sentiment":"positive","sentiment_score":0.5614897608757019},{"text":"No. That is our absolute pressure a pleasure. So you can tell it's nearly finished time because It's I'm 05:00 mixing my words somewhere in up. the world, so they're worried. That's No judgment. right.","start_word":2320,"end_word":2354,"sentiment":"neutral","sentiment_score":0.042988249233790805},{"text":"Beautiful. Alright. Well, enjoy your weekend, Kat, and I will speak with you very soon.","start_word":2355,"end_word":2369,"sentiment":"positive","sentiment_score":0.6907262206077576},{"text":"Okay. No worries.","start_word":2370,"end_word":2372,"sentiment":"neutral","sentiment_score":0.3282105624675751},{"text":"Take care. Thank you. Okay. You too.","start_word":2373,"end_word":2379,"sentiment":"positive","sentiment_score":0.538206934928894},{"text":"Bye. Bye. Bye.","start_word":2380,"end_word":2382,"sentiment":"neutral","sentiment_score":0.17474892735481262}],"average":{"sentiment":"neutral","sentiment_score":0.04411142320583218}}}}