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Very much looking forward to it. I've got you booked in for a bit of an annual review there. Just wondering if I'm gonna send out a bit of a pack to you. Will you be able to look on to the email with me, or should I just give you a bit of a walk through what I'm sending? So it basically has a summary of, like, your super and insurance performance, your certificates of currency for insurance, and then, basically, service guides with us and some consent forms as well. Yeah. Actually, if I could just quickly do security with you, can I grab that address? And it has been updated, but I'll just grab that from you and your date of birth. No. That's fine. That's the one, mate. It is two one 70, apparently. Fantastic. So another millennial just like myself, mate. We'll see how the soup is going, and I've got a few ideas for you. Outside of that, is there anything in particular you're hoping to get out of tip review? Perfect. What I'll do is I'll update some details in a minute, just go through your fax lines, see if it's all up to date with the new system that we've got. Just quick on the super two. So because you've got that... The old C Bus account with the insurances attached, you've got contributions going to C Bus. That's great. That keeps that insurance kind of in force. We've got the the hub sitting at almost 78,000. It's kind of going up and down like a yo yo at the moment with the rate rises and laws and... Yeah. It's fun. You've kind of gone through... I can see in your account four market drops in three years, which normally it's one in four. So we've had some interesting times. It is. It is. I was just talking to the business about that too. Now it's still up, like, 5%, which is great. So even with the market dropping, you're still in the positive. Overall, over that three, three and a half year period, we're still clearing just under 11% after fees, which for your risk profile, you're kind of aiming for nine and above. Yep. Awesome. A couple of things that I do kind of wanna sort. Firstly, I'll just quickly touch on the risk level for a minute. You're in that growth profile, so four out of five on the risk scale. Again, it's a bit above medium to try and get some higher returns, but you're not high risk at this point. So basically, 80% in shares property and gold, 20% in the safer side of things. I probably wouldn't advise going high growth right this minute considering market could crash this year or in the new year. Maybe give it a bit of time. Yeah. There's a bit of a bounce between two things where interest rates going up, inflation, we're looking at, you know, recession side. Then on the flip side, the the AI companies are spending 4,000,000,000,000 on their build out, which is creating some huge... You know, there's some some chippy in an electrician. They're getting $400 to build a data center. That does things too. So it's a bit of a split between two things. Could grow, could crash, could do both at the same time. We tweak... Need to play the law of averages, get you right through the middle, and then keep an eye on the investments, make sure if something goes topsy-turvy that we do update the portfolio. One thing I would like to do is we've got some updated research from the old SeaBus. It's jumped up to about 32,000 with all the contributions that have kind of piled in there. You only really need about $10 in there for the insurances to be, like, no risk of lapsing. So what I'm thinking is net market's down a little bit. I wanna put together just an updated plan for you where maybe we do a small rollover across, and I can tweak a couple of the investments as well. Cool. One thing that you'll see is that in the performance report, everything that you've got is pretty well growing double digits really well. There is, like, a term deposit for your safe assets that's being... I guess, it's had some good growth for a term deposit, but it's being phased out by the government, so I need to update that one. It's called, like, a bank high... Where it's like a it's like a bond that turns into a share at the end. They don't like that idea, so we're just gonna switch it to something a little bit... Yeah. There is a Benelon option that's gone down. It's the only negative one. It's kind of, I guess, going down faster than the Australian market is, So I wanna kind of switch that one out as well. One question I do have for you, and this is purely personal preference. I know it's hard to answer these sorts of things, but Hub's got the most investment options in the industry. It's about 1,300. To kind of whittle it down a little bit, I can build you something that's either really good low fees or, you know, you pay higher fees to get a higher return. That's called active. And I'm just wondering where your gut leans between the two. No. So what what it is is each fund manager has a different style of how they invest the money. And for example, your... The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in Australia, and they haven't been doing too well at it. The the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it. I guess the fees down about 80%. So we can kind of change the style back to a bit more of a lower fee passive approach, A bit more there as well if you're okay for me to run that. Exactly right. It's the same thing with the risk level. We can move you up and down in how much growth assets you've got. And then for the fund managers, that's why we do the reviews to kind of switch them out as we need. Beautiful. I'll put together an updated plan just to some comparisons and updated comparisons, all the funds of, you know, updated investments and fees and whatnot. And I'll get that to you in the next few weeks or so, run that by you, make sure you're comfortable before I touch anything. Cool. Just quickly on the, like, insurance side of things. So you've got a little bit of life and TPD cover inside Cbus, 208,000 of life, 145 of total disability. It's under a grand in premium, so nice and cheap there. I'm just wondering if you wanted me to do any quotes for anything, if we're just leaving that one as is in terms of insurances. Yeah. Yeah. Yeah. Yeah. So another twelve, twenty four months. So about another twelve, twenty four months probably be the right time. Cool. So no income protection, no trauma, leave the life in TPD as is. Just while I'm on the topic, so you've got a bit over a $100 in the super now. If those scenarios do happen, obviously, you get a couple $100 from the insurer, $100 from the super. That'll pay off about half of the mortgage that we had on file. Just wondering if that's changed much from 617,000 that we have listed. Yep. Yep. Yeah. And is that... That's about 1.1 mil, would you say, for the new one? Perfect. I'll I'll put that in some round figures for the time being. Outside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that. Yes. Yeah. So I'll do anything in terms of, like, salary sacrifice to super at this point because, obviously, got a few things going on. For the plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time being. Cool. Income wise, are you still working for Minnow Australia? Cool. Still doing sort of warranty clerk admin on about a $100? Perfect. So no changes there. Outside of the mortgage, just lastly on assets and liabilities, got the one paid off vehicle, which is the Evo. We've got the the Golf, which had a little bit of a loan on. Not sure if you consolidated for the mortgage. Yep. Alright. Cool. Yep. Cool. So the Golf's gone. Is the the Evo gone as well? Yep. I'll just put down resale value for the Vega, if that's alright. I'll stop your head if you can. Yep. Yep. Easy done. And any other assets or liabilities floating around? No million under the mattress there. No crypto. And the last one I'll check is just have you... Now that you bought the property, do you still have any savings set off to the side? Nice. Yep. Oh, jeez. What would be a rough... 50, a 100? Yeah. What about with the renos? Have you got much left to do in terms of spending that 30 grand? Or Yep. Jeez. Yeah. Absolutely. Perfect. So I guess what I could say then is in terms of, like, goals is basically move into this place, get a handle on the cash flow, rebuild the savings, and then maybe look at a bit of a bathroom after that, and then just pay down the mortgage. Cool. Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more... What's your your long term outlook? Yes. So do a bit of a lifestyle change in in decade or so. Yeah. My my hope is that the interest rates start to tumble back down again for the next few years, and you can get some some extra cash flow saved because the... Look. There's talk of it maybe going up another couple of percent with all the government spending AI rollout. If things pop, I'm hoping they drop it right back down, and you've got a good good five years to smash it out. Yeah. Last thing I'll double check with you is just in terms of estate planning. I don't have a beneficiary on the super at this point. I don't know if you've tried to go through the forms before. Cool. Yep. So for... We'll send her off to Hammondville. Yeah. Alright. So what I'll do is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination. And what you're basically looking for is two things. You can either make it legally binding, Superfund has to do it, or nonbinding, which is a bit silly like the Superfund has discretion. And you can choose if it expires every three years or it's continuous until you change it. If you just want a standard legally binding, non lapsing nomination, there would just be a box for not passing binding. And then you just put a 100 percent spouse, date of birth, address, get it witnessed by two people on the same day that aren't your spouse, and then flick that back. Cool. Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go. Awesome. I'll leave that pack with you today. So just to let you know as well, there's no changes to the fees for you with Oakview at this point, but the new service guide has a tiered structure that we've just brought in. So when you get above 200,000, it'll drop from 1.65% to 1.37. And then when you get above 500,000, it drops again. So we've just added in some discounts for down the line. Cool. Any questions for me, Anthony, before I let you go? Easy done, mate. Have a fantastic weekend, and I'll talk to you in a few weeks. Alright, mate. See you later. 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afternoon, Anthony. It's Tommy here, senior adviser from. How are you doing? Living the dream. Happy Friday to you.\n\nYep. Absolutely. Yeah. We got a long weekend too, mate. Very much looking forward to it.\n\nI've got you booked in for a bit of an annual review there. Just wondering if I'm gonna send out a bit of a pack to you. Will you be able to look on to the email with me, or should I just give you a bit of a walk through what I'm sending? So it basically has a summary of, like, your super and insurance performance, your certificates of currency for insurance, and then, basically, service guides with us and some consent forms as well. Yeah.\n\nActually, if I could just quickly do security with you, can I grab that address? And it has been updated, but I'll just grab that from you and your date of birth. No. That's fine. That's the one, mate.\n\nIt is two one 70, apparently. Fantastic. So another millennial just like myself, mate. We'll see how the soup is going, and I've got a few ideas for you. Outside of that, is there anything in particular you're hoping to get out of tip review?\n\nPerfect. What I'll do is I'll update some details in a minute, just go through your fax lines, see if it's all up to date with the new system that we've got. Just quick on the super two. So because you've got that... The old C Bus account with the insurances attached, you've got contributions going to C Bus.\n\nThat's great. That keeps that insurance kind of in force. We've got the the hub sitting at almost 78,000. It's kind of going up and down like a yo yo at the moment with the rate rises and laws and... Yeah.\n\nIt's fun. You've kind of gone through... I can see in your account four market drops in three years, which normally it's one in four. So we've had some interesting times. It is.\n\nIt is. I was just talking to the business about that too. Now it's still up, like, 5%, which is great. So even with the market dropping, you're still in the positive. Overall, over that three, three and a half year period, we're still clearing just under 11% after fees, which for your risk profile, you're kind of aiming for nine and above.\n\nYep. Awesome. A couple of things that I do kind of wanna sort. Firstly, I'll just quickly touch on the risk level for a minute. You're in that growth profile, so four out of five on the risk scale.\n\nAgain, it's a bit above medium to try and get some higher returns, but you're not high risk at this point. So basically, 80% in shares property and gold, 20% in the safer side of things. I probably wouldn't advise going high growth right this minute considering market could crash this year or in the new year. Maybe give it a bit of time. Yeah.\n\nThere's a bit of a bounce between two things where interest rates going up, inflation, we're looking at, you know, recession side. Then on the flip side, the the AI companies are spending 4,000,000,000,000 on their build out, which is creating some huge... You know, there's some some chippy in an electrician. They're getting $400 to build a data center. That does things too.\n\nSo it's a bit of a split between two things. Could grow, could crash, could do both at the same time. We tweak... Need to play the law of averages, get you right through the middle, and then keep an eye on the investments, make sure if something goes topsy-turvy that we do update the portfolio. One thing I would like to do is we've got some updated research from the old SeaBus.\n\nIt's jumped up to about 32,000 with all the contributions that have kind of piled in there. You only really need about $10 in there for the insurances to be, like, no risk of lapsing. So what I'm thinking is net market's down a little bit. I wanna put together just an updated plan for you where maybe we do a small rollover across, and I can tweak a couple of the investments as well. Cool.\n\nOne thing that you'll see is that in the performance report, everything that you've got is pretty well growing double digits really well. There is, like, a term deposit for your safe assets that's being... I guess, it's had some good growth for a term deposit, but it's being phased out by the government, so I need to update that one. It's called, like, a bank high... Where it's like a it's like a bond that turns into a share at the end.\n\nThey don't like that idea, so we're just gonna switch it to something a little bit... Yeah. There is a Benelon option that's gone down. It's the only negative one. It's kind of, I guess, going down faster than the Australian market is, So I wanna kind of switch that one out as well.\n\nOne question I do have for you, and this is purely personal preference. I know it's hard to answer these sorts of things, but Hub's got the most investment options in the industry. It's about 1,300. To kind of whittle it down a little bit, I can build you something that's either really good low fees or, you know, you pay higher fees to get a higher return. That's called active.\n\nAnd I'm just wondering where your gut leans between the two. No. So what what it is is each fund manager has a different style of how they invest the money. And for example, your... The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in Australia, and they haven't been doing too well at it.\n\nThe the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it. I guess the fees down about 80%. So we can kind of change the style back to a bit more of a lower fee passive approach, A bit more there as well if you're okay for me to run that. Exactly right.\n\nIt's the same thing with the risk level. We can move you up and down in how much growth assets you've got. And then for the fund managers, that's why we do the reviews to kind of switch them out as we need. Beautiful. I'll put together an updated plan just to some comparisons and updated comparisons, all the funds of, you know, updated investments and fees and whatnot.\n\nAnd I'll get that to you in the next few weeks or so, run that by you, make sure you're comfortable before I touch anything. Cool. Just quickly on the, like, insurance side of things. So you've got a little bit of life and TPD cover inside Cbus, 208,000 of life, 145 of total disability. It's under a grand in premium, so nice and cheap there.\n\nI'm just wondering if you wanted me to do any quotes for anything, if we're just leaving that one as is in terms of insurances. Yeah. Yeah. Yeah. Yeah.\n\nSo another twelve, twenty four months. So about another twelve, twenty four months probably be the right time. Cool. So no income protection, no trauma, leave the life in TPD as is. Just while I'm on the topic, so you've got a bit over a $100 in the super now.\n\nIf those scenarios do happen, obviously, you get a couple $100 from the insurer, $100 from the super. That'll pay off about half of the mortgage that we had on file. Just wondering if that's changed much from 617,000 that we have listed. Yep. Yep.\n\nYeah. And is that... That's about 1.1 mil, would you say, for the new one? Perfect. I'll I'll put that in some round figures for the time being.\n\nOutside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that. Yes. Yeah. So I'll do anything in terms of, like, salary sacrifice to super at this point because, obviously, got a few things going on. For the plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time being.\n\nCool. Income wise, are you still working for Minnow Australia? Cool. Still doing sort of warranty clerk admin on about a $100? Perfect.\n\nSo no changes there. Outside of the mortgage, just lastly on assets and liabilities, got the one paid off vehicle, which is the Evo. We've got the the Golf, which had a little bit of a loan on. Not sure if you consolidated for the mortgage. Yep.\n\nAlright. Cool. Yep. Cool. So the Golf's gone.\n\nIs the the Evo gone as well? Yep. I'll just put down resale value for the Vega, if that's alright. I'll stop your head if you can. Yep.\n\nYep. Easy done. And any other assets or liabilities floating around? No million under the mattress there. No crypto.\n\nAnd the last one I'll check is just have you... Now that you bought the property, do you still have any savings set off to the side? Nice. Yep. Oh, jeez.\n\nWhat would be a rough... 50, a 100? Yeah. What about with the renos? Have you got much left to do in terms of spending that 30 grand?\n\nOr Yep. Jeez. Yeah. Absolutely. Perfect.\n\nSo I guess what I could say then is in terms of, like, goals is basically move into this place, get a handle on the cash flow, rebuild the savings, and then maybe look at a bit of a bathroom after that, and then just pay down the mortgage. Cool. Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more... What's your your long term outlook? Yes.\n\nSo do a bit of a lifestyle change in in decade or so. Yeah. My my hope is that the interest rates start to tumble back down again for the next few years, and you can get some some extra cash flow saved because the... Look. There's talk of it maybe going up another couple of percent with all the government spending AI rollout.\n\nIf things pop, I'm hoping they drop it right back down, and you've got a good good five years to smash it out. Yeah. Last thing I'll double check with you is just in terms of estate planning. I don't have a beneficiary on the super at this point. I don't know if you've tried to go through the forms before.\n\nCool. Yep. So for... We'll send her off to Hammondville. Yeah.\n\nAlright. So what I'll do is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination. And what you're basically looking for is two things. You can either make it legally binding, Superfund has to do it, or nonbinding, which is a bit silly like the Superfund has discretion.\n\nAnd you can choose if it expires every three years or it's continuous until you change it. If you just want a standard legally binding, non lapsing nomination, there would just be a box for not passing binding. And then you just put a 100 percent spouse, date of birth, address, get it witnessed by two people on the same day that aren't your spouse, and then flick that back. Cool. Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go.\n\nAwesome. I'll leave that pack with you today. So just to let you know as well, there's no changes to the fees for you with Oakview at this point, but the new service guide has a tiered structure that we've just brought in. So when you get above 200,000, it'll drop from 1.65% to 1.37. And then when you get above 500,000, it drops again.\n\nSo we've just added in some discounts for down the line. Cool. Any questions for me, Anthony, before I let you go? Easy done, mate. Have a fantastic weekend, and I'll talk to you in a few weeks.\n\nAlright, mate. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Anthony.","start":3.84,"end":4.96,"sentiment":"neutral","sentiment_score":0.18908991913000742},{"text":"It's Tommy here, senior adviser from.","start":4.96,"end":6.98,"sentiment":"neutral","sentiment_score":0.13525931040445963},{"text":"How are you doing?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.13285682909190655},{"text":"Living the dream.","start":10.24,"end":11.04,"sentiment":"positive","sentiment_score":0.6527405182520548},{"text":"Happy Friday to you.","start":11.04,"end":12.42,"sentiment":"positive","sentiment_score":0.6449526399374008}],"sentiment":"neutral","sentiment_score":0.3224142525345087,"num_words":20,"start":3.84,"end":12.42},{"sentences":[{"text":"Yep.","start":18.115,"end":18.615,"sentiment":"positive","sentiment_score":0.3849530816078186},{"text":"Absolutely.","start":20.355,"end":20.855,"sentiment":"neutral","sentiment_score":0.29306021332740784},{"text":"Yeah.","start":21.875,"end":22.195,"sentiment":"neutral","sentiment_score":0.22042915225028992},{"text":"We got a long weekend too, mate.","start":22.195,"end":23.474998,"sentiment":"positive","sentiment_score":0.568496823310852},{"text":"Very much looking forward to it.","start":23.474998,"end":25.015,"sentiment":"positive","sentiment_score":0.786715179681778}],"sentiment":"positive","sentiment_score":0.5998882055282593,"num_words":16,"start":18.115,"end":25.015},{"sentences":[{"text":"I've got you booked in for a bit of an annual review there.","start":28.49,"end":31.37,"sentiment":"neutral","sentiment_score":0.19875068618701056},{"text":"Just wondering if I'm gonna send out a bit of a pack to you.","start":31.37,"end":35.45,"sentiment":"neutral","sentiment_score":0.1064810933811324},{"text":"Will you be able to look on to the email with me, or should I just give you a bit of a walk through what I'm sending?","start":35.45,"end":40.03,"sentiment":"neutral","sentiment_score":0.06282393020336274},{"text":"So it basically has a summary of, like, your super and insurance performance, your certificates of currency for insurance, and then, basically, service guides with us and some consent forms as well.","start":50.295002,"end":64.15,"sentiment":"neutral","sentiment_score":0.08376432972727343},{"text":"Yeah.","start":74.784996,"end":75.024994,"sentiment":"neutral","sentiment_score":0.03374862298369408}],"sentiment":"neutral","sentiment_score":0.09752813238522103,"num_words":87,"start":28.49,"end":75.024994},{"sentences":[{"text":"Actually, if I could just quickly do security with you, can I grab that address?","start":75.024994,"end":78.965,"sentiment":"neutral","sentiment_score":0.04691593535244465},{"text":"And it has been updated, but I'll just grab that from you and your date of birth.","start":79.31,"end":83.17,"sentiment":"neutral","sentiment_score":0.04408746311331496},{"text":"No.","start":92.83,"end":93.149994,"sentiment":"neutral","sentiment_score":-0.051020387560129166},{"text":"That's fine.","start":93.149994,"end":94.005005,"sentiment":"neutral","sentiment_score":0.002886970527470112},{"text":"That's the one, mate.","start":94.005005,"end":95.145004,"sentiment":"neutral","sentiment_score":0.02101533394306898}],"sentiment":"neutral","sentiment_score":0.03825745621743875,"num_words":39,"start":75.024994,"end":95.145004},{"sentences":[{"text":"It is two one 70, apparently.","start":95.525,"end":97.785,"sentiment":"neutral","sentiment_score":-0.00503471198802193},{"text":"Fantastic.","start":109.86,"end":110.36,"sentiment":"positive","sentiment_score":0.6178759336471558},{"text":"So another millennial just like myself, mate.","start":110.58,"end":112.66,"sentiment":"neutral","sentiment_score":0.3105905907494681},{"text":"We'll see how the soup is going, and I've got a few ideas for you.","start":112.66,"end":115.72,"sentiment":"neutral","sentiment_score":0.2790568997462591},{"text":"Outside of that, is there anything in particular you're hoping to get out of tip review?","start":119.035,"end":122.335,"sentiment":"neutral","sentiment_score":0.07269321521744132}],"sentiment":"neutral","sentiment_score":0.18023881636973885,"num_words":45,"start":95.525,"end":122.335},{"sentences":[{"text":"Perfect.","start":136.48999,"end":136.89,"sentiment":"positive","sentiment_score":0.745717465877533},{"text":"What I'll do is I'll update some details in a minute, just go through your fax lines, see if it's all up to date with the new system that we've got.","start":136.89,"end":144.405,"sentiment":"neutral","sentiment_score":0.20332696889677354},{"text":"Just quick on the super two.","start":145.525,"end":146.885,"sentiment":"neutral","sentiment_score":0.09183190762996674},{"text":"So because you've got that...","start":146.885,"end":148.505,"sentiment":"neutral","sentiment_score":0.05087983533740044},{"text":"The old C Bus account with the insurances attached, you've got contributions going to C Bus.","start":148.645,"end":155.845,"sentiment":"neutral","sentiment_score":0.09638598212040961}],"sentiment":"neutral","sentiment_score":0.15926135318764187,"num_words":59,"start":136.48999,"end":155.845},{"sentences":[{"text":"That's great.","start":155.845,"end":156.405,"sentiment":"positive","sentiment_score":0.5161275714635849},{"text":"That keeps that insurance kind of in force.","start":156.405,"end":158.905,"sentiment":"neutral","sentiment_score":0.29041831381618977},{"text":"We've got the the hub sitting at almost 78,000.","start":160.46,"end":163.74,"sentiment":"neutral","sentiment_score":0.056188897954093084},{"text":"It's kind of going up and down like a yo yo at the moment with the rate rises and laws and...","start":163.74,"end":169.42,"sentiment":"neutral","sentiment_score":0.0013729920908753272},{"text":"Yeah.","start":169.42,"end":169.92,"sentiment":"neutral","sentiment_score":-0.01996325701475143}],"sentiment":"neutral","sentiment_score":0.09439442224236966,"num_words":41,"start":155.845,"end":169.92},{"sentences":[{"text":"It's fun.","start":172.265,"end":172.58499,"sentiment":"neutral","sentiment_score":-0.07963643223047256},{"text":"You've kind of gone through...","start":172.58499,"end":173.86499,"sentiment":"neutral","sentiment_score":-0.04714030623435974},{"text":"I can see in your account four market drops in three years, which normally it's one in four.","start":173.86499,"end":180.905,"sentiment":"neutral","sentiment_score":-0.04048472870555189},{"text":"So we've had some interesting times.","start":180.905,"end":183.08499,"sentiment":"neutral","sentiment_score":0.05286496008435885},{"text":"It is.","start":186.2,"end":186.76,"sentiment":"neutral","sentiment_score":0.17523804306983948}],"sentiment":"neutral","sentiment_score":-0.013819201990510479,"num_words":33,"start":172.265,"end":186.76},{"sentences":[{"text":"It is.","start":186.76,"end":187.16,"sentiment":"neutral","sentiment_score":0.16165859997272491},{"text":"I was just talking to the business about that too.","start":187.16,"end":189.34,"sentiment":"neutral","sentiment_score":0.1261928141117096},{"text":"Now it's still up, like, 5%, which is great.","start":190.68,"end":193.8,"sentiment":"positive","sentiment_score":0.40603688690397477},{"text":"So even with the market dropping, you're still in the positive.","start":193.8,"end":196.14,"sentiment":"neutral","sentiment_score":0.16684415936470032},{"text":"Overall, over that three, three and a half year period, we're still clearing just under 11% after fees, which for your risk profile, you're kind of aiming for nine and above.","start":197.415,"end":207.675,"sentiment":"neutral","sentiment_score":0.07794136049286012}],"sentiment":"neutral","sentiment_score":0.15065151192839182,"num_words":63,"start":186.76,"end":207.675},{"sentences":[{"text":"Yep.","start":209.655,"end":210.15,"sentiment":"neutral","sentiment_score":0.2890782356262207},{"text":"Awesome.","start":210.47,"end":210.97,"sentiment":"positive","sentiment_score":0.5627486705780029},{"text":"A couple of things that I do kind of wanna sort.","start":211.26999,"end":213.61,"sentiment":"neutral","sentiment_score":0.11929939924315973},{"text":"Firstly, I'll just quickly touch on the risk level for a minute.","start":213.67,"end":216.73,"sentiment":"neutral","sentiment_score":0.011984631341571609},{"text":"You're in that growth profile, so four out of five on the risk scale.","start":217.67,"end":221.37,"sentiment":"neutral","sentiment_score":-0.03199099403406892}],"sentiment":"neutral","sentiment_score":0.04769389634617628,"num_words":39,"start":209.655,"end":221.37},{"sentences":[{"text":"Again, it's a bit above medium to try and get some higher returns, but you're not high risk at this point.","start":221.51,"end":226.685,"sentiment":"neutral","sentiment_score":-0.11038409120270185},{"text":"So basically, 80% in shares property and gold, 20% in the safer side of things.","start":228.185,"end":233.325,"sentiment":"neutral","sentiment_score":-0.026431532700856526},{"text":"I probably wouldn't advise going high growth right this minute considering market could crash this year or in the new year.","start":233.785,"end":241.36,"sentiment":"negative","sentiment_score":-0.38657271294366746},{"text":"Maybe give it a bit of time.","start":242.46,"end":243.92001,"sentiment":"neutral","sentiment_score":-0.14379211089440755},{"text":"Yeah.","start":251.35501,"end":251.675,"sentiment":"neutral","sentiment_score":-0.04399348795413971}],"sentiment":"neutral","sentiment_score":-0.18281698679694763,"num_words":65,"start":221.51,"end":251.675},{"sentences":[{"text":"There's a bit of a bounce between two things where interest rates going up, inflation, we're looking at, you know, recession side.","start":251.675,"end":257.755,"sentiment":"neutral","sentiment_score":-0.09235221249136058},{"text":"Then on the flip side, the the AI companies are spending 4,000,000,000,000 on their build out, which is creating some huge...","start":257.755,"end":265.91,"sentiment":"neutral","sentiment_score":-0.06902067079430535},{"text":"You know, there's some some chippy in an electrician.","start":266.05002,"end":268.47,"sentiment":"neutral","sentiment_score":-0.13423675878180397},{"text":"They're getting $400 to build a data center.","start":268.53,"end":270.79,"sentiment":"neutral","sentiment_score":-0.08248220104724169},{"text":"That does things too.","start":271.97,"end":273.35,"sentiment":"neutral","sentiment_score":-0.04467360582202673}],"sentiment":"neutral","sentiment_score":-0.0863729003467597,"num_words":64,"start":251.675,"end":273.35},{"sentences":[{"text":"So it's a bit of a split between two things.","start":274.05002,"end":276.39,"sentiment":"neutral","sentiment_score":-0.08243590295314789},{"text":"Could grow, could crash, could do both at the same time.","start":276.77002,"end":279.35,"sentiment":"neutral","sentiment_score":-0.11458942903713747},{"text":"We tweak...","start":279.41,"end":280.39502,"sentiment":"neutral","sentiment_score":-0.046705249696969986},{"text":"Need to play the law of averages, get you right through the middle, and then keep an eye on the investments, make sure if something goes topsy-turvy that we do update the portfolio.","start":280.39502,"end":289.61502,"sentiment":"neutral","sentiment_score":-0.044875125090281166},{"text":"One thing I would like to do is we've got some updated research from the old SeaBus.","start":292.795,"end":298.32,"sentiment":"neutral","sentiment_score":0.09171764070496839}],"sentiment":"neutral","sentiment_score":-0.028766198415462286,"num_words":73,"start":274.05002,"end":298.32},{"sentences":[{"text":"It's jumped up to about 32,000 with all the contributions that have kind of piled in there.","start":299.1,"end":304.08002,"sentiment":"positive","sentiment_score":0.5501278919332168},{"text":"You only really need about $10 in there for the insurances to be, like, no risk of lapsing.","start":304.22,"end":309.76,"sentiment":"positive","sentiment_score":0.3797154915001657},{"text":"So what I'm thinking is net market's down a little bit.","start":310.335,"end":313.695,"sentiment":"neutral","sentiment_score":-0.027677161449735813},{"text":"I wanna put together just an updated plan for you where maybe we do a small rollover across, and I can tweak a couple of the investments as well.","start":313.695,"end":321.715,"sentiment":"neutral","sentiment_score":0.18118624440554915},{"text":"Cool.","start":323.455,"end":323.94,"sentiment":"neutral","sentiment_score":-0.23454491794109344}],"sentiment":"neutral","sentiment_score":0.27503237373342637,"num_words":76,"start":299.1,"end":323.94},{"sentences":[{"text":"One thing that you'll see is that in the performance report, everything that you've got is pretty well growing double digits really well.","start":324.66,"end":330.42,"sentiment":"positive","sentiment_score":0.3681836186543755},{"text":"There is, like, a term deposit for your safe assets that's being...","start":330.42,"end":334.36002,"sentiment":"neutral","sentiment_score":0.20332757383584976},{"text":"I guess, it's had some good growth for a term deposit, but it's being phased out by the government, so I need to update that one.","start":335.06,"end":341.495,"sentiment":"neutral","sentiment_score":0.08748718566046311},{"text":"It's called, like, a bank high...","start":342.75497,"end":343.955,"sentiment":"neutral","sentiment_score":0.0014445845348139603},{"text":"Where it's like a it's like a bond that turns into a share at the end.","start":343.955,"end":347.335,"sentiment":"neutral","sentiment_score":-0.025250772363506258}],"sentiment":"neutral","sentiment_score":0.15406597700777902,"num_words":83,"start":324.66,"end":347.335},{"sentences":[{"text":"They don't like that idea, so we're just gonna switch it to something a little bit...","start":347.395,"end":351.35,"sentiment":"neutral","sentiment_score":-0.0417110298294574},{"text":"Yeah.","start":351.35,"end":351.85,"sentiment":"neutral","sentiment_score":-0.015164071694016457},{"text":"There is a Benelon option that's gone down.","start":354.07,"end":356.39,"sentiment":"neutral","sentiment_score":-0.10604793718084693},{"text":"It's the only negative one.","start":356.39,"end":357.85,"sentiment":"neutral","sentiment_score":-0.20356159210205077},{"text":"It's kind of, I guess, going down faster than the Australian market is, So I wanna kind of switch that one out as well.","start":358.39,"end":366.385,"sentiment":"neutral","sentiment_score":-0.1456192407446603}],"sentiment":"neutral","sentiment_score":-0.11191840342211502,"num_words":54,"start":347.395,"end":366.385},{"sentences":[{"text":"One question I do have for you, and this is purely personal preference.","start":368.36502,"end":371.245,"sentiment":"neutral","sentiment_score":0.03482964376990612},{"text":"I know it's hard to answer these sorts of things, but Hub's got the most investment options in the industry.","start":371.245,"end":376.765,"sentiment":"neutral","sentiment_score":0.04676488004624844},{"text":"It's about 1,300.","start":376.765,"end":378.33,"sentiment":"neutral","sentiment_score":0.13432022432486215},{"text":"To kind of whittle it down a little bit, I can build you something that's either really good low fees or, you know, you pay higher fees to get a higher return.","start":378.72998,"end":387.37,"sentiment":"neutral","sentiment_score":0.1662144446745515},{"text":"That's called active.","start":387.37,"end":388.43,"sentiment":"neutral","sentiment_score":0.12654802203178406}],"sentiment":"neutral","sentiment_score":0.1054866188533709,"num_words":71,"start":368.36502,"end":388.43},{"sentences":[{"text":"And I'm just wondering where your gut leans between the two.","start":388.72998,"end":391.92502,"sentiment":"neutral","sentiment_score":-0.052191581069068474},{"text":"No.","start":417.745,"end":417.985,"sentiment":"neutral","sentiment_score":-0.0848810225725174},{"text":"So what what it is is each fund manager has a different style of how they invest the money.","start":417.985,"end":422.88498,"sentiment":"neutral","sentiment_score":-0.040155303811556416},{"text":"And for example, your...","start":423.185,"end":425.585,"sentiment":"neutral","sentiment_score":0.009283024352043867},{"text":"The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in Australia, and they haven't been doing too well at it.","start":425.585,"end":435.74,"sentiment":"neutral","sentiment_score":-0.060681794969631095}],"sentiment":"neutral","sentiment_score":-0.04895075156338631,"num_words":63,"start":388.72998,"end":435.74},{"sentences":[{"text":"The the other option is to go for something a bit lower fees where it just follows the Australian market.","start":436.12,"end":441.08,"sentiment":"neutral","sentiment_score":0.1925946470350027},{"text":"It's not trying to beat it.","start":441.08,"end":442.54,"sentiment":"neutral","sentiment_score":0.1519487164914608},{"text":"I guess the fees down about 80%.","start":443.0,"end":444.91998,"sentiment":"neutral","sentiment_score":0.13149647095373698},{"text":"So we can kind of change the style back to a bit more of a lower fee passive approach, A bit more there as well if you're okay for me to run that.","start":444.91998,"end":453.025,"sentiment":"neutral","sentiment_score":0.1879123289025191},{"text":"Exactly right.","start":475.41498,"end":475.815,"sentiment":"neutral","sentiment_score":0.1522854119539261}],"sentiment":"neutral","sentiment_score":0.17926085608847,"num_words":68,"start":436.12,"end":475.815},{"sentences":[{"text":"It's the same thing with the risk level.","start":475.815,"end":477.41498,"sentiment":"neutral","sentiment_score":0.06852202396839857},{"text":"We can move you up and down in how much growth assets you've got.","start":477.41498,"end":480.775,"sentiment":"neutral","sentiment_score":0.06659190702651228},{"text":"And then for the fund managers, that's why we do the reviews to kind of switch them out as we need.","start":480.775,"end":485.35498,"sentiment":"neutral","sentiment_score":0.09307358413934708},{"text":"Beautiful.","start":493.15,"end":493.65,"sentiment":"positive","sentiment_score":0.7750170230865479},{"text":"I'll put together an updated plan just to some comparisons and updated comparisons, all the funds of, you know, updated investments and fees and whatnot.","start":493.94998,"end":501.465,"sentiment":"positive","sentiment_score":0.4017986595630646}],"sentiment":"neutral","sentiment_score":0.20659408216243205,"num_words":69,"start":475.815,"end":501.465},{"sentences":[{"text":"And I'll get that to you in the next few weeks or so, run that by you, make sure you're comfortable before I touch anything.","start":501.705,"end":507.805,"sentiment":"positive","sentiment_score":0.34527078330516814},{"text":"Cool.","start":509.625,"end":510.125,"sentiment":"positive","sentiment_score":0.4426448941230774},{"text":"Just quickly on the, like, insurance side of things.","start":510.505,"end":513.245,"sentiment":"neutral","sentiment_score":0.1435457029276424},{"text":"So you've got a little bit of life and TPD cover inside Cbus, 208,000 of life, 145 of total disability.","start":513.305,"end":521.22003,"sentiment":"neutral","sentiment_score":0.15114752762019634},{"text":"It's under a grand in premium, so nice and cheap there.","start":521.76,"end":524.48,"sentiment":"positive","sentiment_score":0.46294672109863977}],"sentiment":"neutral","sentiment_score":0.2800256104180307,"num_words":66,"start":501.705,"end":524.48},{"sentences":[{"text":"I'm just wondering if you wanted me to do any quotes for anything, if we're just leaving that one as is in terms of insurances.","start":524.48,"end":532.735,"sentiment":"neutral","sentiment_score":0.08861752539873123},{"text":"Yeah.","start":557.58,"end":557.715,"sentiment":"neutral","sentiment_score":-0.11349354684352876},{"text":"Yeah.","start":564.435,"end":564.935,"sentiment":"neutral","sentiment_score":-0.10812436044216156},{"text":"Yeah.","start":582.89996,"end":583.39996,"sentiment":"neutral","sentiment_score":-0.06556195020675659},{"text":"Yeah.","start":590.59503,"end":591.09503,"sentiment":"neutral","sentiment_score":-0.03429875150322914}],"sentiment":"neutral","sentiment_score":0.06530894917146914,"num_words":29,"start":524.48,"end":591.09503},{"sentences":[{"text":"So another twelve, twenty four months.","start":597.155,"end":599.34,"sentiment":"neutral","sentiment_score":-0.03742788825184107},{"text":"So about another twelve, twenty four months probably be the right time.","start":601.66003,"end":605.12006,"sentiment":"neutral","sentiment_score":0.0017579301881293456},{"text":"Cool.","start":611.42004,"end":611.66003,"sentiment":"positive","sentiment_score":0.6053889989852905},{"text":"So no income protection, no trauma, leave the life in TPD as is.","start":611.66003,"end":616.615,"sentiment":"neutral","sentiment_score":0.20218784018204763},{"text":"Just while I'm on the topic, so you've got a bit over a $100 in the super now.","start":617.235,"end":625.33496,"sentiment":"neutral","sentiment_score":0.03900227923360136}],"sentiment":"neutral","sentiment_score":0.07464799560606479,"num_words":50,"start":597.155,"end":625.33496},{"sentences":[{"text":"If those scenarios do happen, obviously, you get a couple $100 from the insurer, $100 from the super.","start":626.355,"end":633.07,"sentiment":"neutral","sentiment_score":0.06622407585382462},{"text":"That'll pay off about half of the mortgage that we had on file.","start":633.07,"end":635.97003,"sentiment":"neutral","sentiment_score":0.03539086391146366},{"text":"Just wondering if that's changed much from 617,000 that we have listed.","start":636.99,"end":641.41003,"sentiment":"neutral","sentiment_score":-0.0924685283874472},{"text":"Yep.","start":646.19,"end":646.485,"sentiment":"neutral","sentiment_score":-0.015105943195521832},{"text":"Yep.","start":656.485,"end":656.985,"sentiment":"neutral","sentiment_score":-0.033787887543439865}],"sentiment":"neutral","sentiment_score":0.010968853885100948,"num_words":45,"start":626.355,"end":656.985},{"sentences":[{"text":"Yeah.","start":671.0,"end":671.5,"sentiment":"neutral","sentiment_score":-0.007798326201736927},{"text":"And is that...","start":672.68,"end":673.48,"sentiment":"neutral","sentiment_score":-0.007289205522586902},{"text":"That's about 1.1 mil, would you say, for the new one?","start":673.48,"end":676.90497,"sentiment":"neutral","sentiment_score":-0.01717801798473705},{"text":"Perfect.","start":696.5,"end":697.0,"sentiment":"positive","sentiment_score":0.41346514225006104},{"text":"I'll I'll put that in some round figures for the time being.","start":697.38,"end":700.665,"sentiment":"neutral","sentiment_score":0.10677988268435001}],"sentiment":"neutral","sentiment_score":0.052721414066452,"num_words":28,"start":671.0,"end":700.665},{"sentences":[{"text":"Outside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that.","start":702.345,"end":713.40497,"sentiment":"neutral","sentiment_score":-0.09728729347811967},{"text":"Yes.","start":721.07996,"end":721.57996,"sentiment":"neutral","sentiment_score":0.1426754593849182},{"text":"Yeah.","start":735.335,"end":735.575,"sentiment":"neutral","sentiment_score":-0.03284427896142006},{"text":"So I'll do anything in terms of, like, salary sacrifice to super at this point because, obviously, got a few things going on.","start":735.575,"end":743.76,"sentiment":"neutral","sentiment_score":-0.14944371321926947},{"text":"For the plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time being.","start":744.22003,"end":750.08,"sentiment":"neutral","sentiment_score":0.06645315672670092}],"sentiment":"neutral","sentiment_score":-0.05803686029654234,"num_words":94,"start":702.345,"end":750.08},{"sentences":[{"text":"Cool.","start":752.38,"end":752.88,"sentiment":"neutral","sentiment_score":0.21750204265117645},{"text":"Income wise, are you still working for Minnow Australia?","start":753.74,"end":759.71497,"sentiment":"neutral","sentiment_score":0.051161672092146344},{"text":"Cool.","start":759.935,"end":760.435,"sentiment":"neutral","sentiment_score":0.16925913095474243},{"text":"Still doing sort of warranty clerk admin on about a $100?","start":760.735,"end":764.675,"sentiment":"neutral","sentiment_score":0.09875207326628944},{"text":"Perfect.","start":767.135,"end":767.535,"sentiment":"positive","sentiment_score":0.4528113603591919}],"sentiment":"neutral","sentiment_score":0.10375219081407008,"num_words":23,"start":752.38,"end":767.535},{"sentences":[{"text":"So no changes there.","start":767.535,"end":768.755,"sentiment":"neutral","sentiment_score":0.10516872815787792},{"text":"Outside of the mortgage, just lastly on assets and liabilities, got the one paid off vehicle, which is the Evo.","start":769.86,"end":776.92,"sentiment":"neutral","sentiment_score":0.008118503214791416},{"text":"We've got the the Golf, which had a little bit of a loan on.","start":777.22003,"end":780.02,"sentiment":"neutral","sentiment_score":-0.004211163547422204},{"text":"Not sure if you consolidated for the mortgage.","start":780.02,"end":782.375,"sentiment":"neutral","sentiment_score":-0.04161904798820615},{"text":"Yep.","start":788.195,"end":788.695,"sentiment":"neutral","sentiment_score":-0.08468341827392578}],"sentiment":"neutral","sentiment_score":0.002264955001784132,"num_words":47,"start":767.535,"end":788.695},{"sentences":[{"text":"Alright.","start":799.81,"end":800.31,"sentiment":"neutral","sentiment_score":-0.018988676369190216},{"text":"Cool.","start":803.64996,"end":804.14996,"sentiment":"neutral","sentiment_score":0.04042790457606315},{"text":"Yep.","start":816.305,"end":816.805,"sentiment":"neutral","sentiment_score":-0.00975622981786728},{"text":"Cool.","start":823.2,"end":823.52,"sentiment":"neutral","sentiment_score":0.2155962735414505},{"text":"So the Golf's gone.","start":823.52,"end":826.08,"sentiment":"neutral","sentiment_score":-0.15738319419324398}],"sentiment":"neutral","sentiment_score":-0.05028168810531497,"num_words":8,"start":799.81,"end":826.08},{"sentences":[{"text":"Is the the Evo gone as well?","start":826.08,"end":828.02,"sentiment":"neutral","sentiment_score":-0.06839552149176598},{"text":"Yep.","start":829.92,"end":830.42,"sentiment":"neutral","sentiment_score":-0.20556804537773132},{"text":"I'll just put down resale value for the Vega, if that's alright.","start":834.74506,"end":838.205,"sentiment":"neutral","sentiment_score":-0.050964376190677285},{"text":"I'll stop your head if you can.","start":844.10504,"end":845.74,"sentiment":"neutral","sentiment_score":-0.018002633803657124},{"text":"Yep.","start":854.04,"end":854.54,"sentiment":"neutral","sentiment_score":0.043894171714782715}],"sentiment":"neutral","sentiment_score":-0.04921548125067992,"num_words":28,"start":826.08,"end":854.54},{"sentences":[{"text":"Yep.","start":862.935,"end":863.435,"sentiment":"neutral","sentiment_score":0.10444243997335434},{"text":"Easy done.","start":864.455,"end":865.515,"sentiment":"neutral","sentiment_score":0.1373077929019928},{"text":"And any other assets or liabilities floating around?","start":867.575,"end":870.215,"sentiment":"neutral","sentiment_score":0.021556463791057467},{"text":"No million under the mattress there.","start":870.215,"end":871.895,"sentiment":"neutral","sentiment_score":-0.06315740197896957},{"text":"No crypto.","start":871.895,"end":878.69,"sentiment":"neutral","sentiment_score":-0.08088086359202862}],"sentiment":"neutral","sentiment_score":0.0005686103709434201,"num_words":19,"start":862.935,"end":878.69},{"sentences":[{"text":"And the last one I'll check is just have you...","start":879.07,"end":881.15,"sentiment":"neutral","sentiment_score":-0.021248317882418634},{"text":"Now that you bought the property, do you still have any savings set off to the side?","start":881.15,"end":884.415,"sentiment":"neutral","sentiment_score":0.02161460621830295},{"text":"Nice.","start":908.27997,"end":908.77997,"sentiment":"neutral","sentiment_score":0.05418093502521515},{"text":"Yep.","start":922.855,"end":923.16,"sentiment":"neutral","sentiment_score":-0.09912703931331636},{"text":"Oh, jeez.","start":931.56,"end":932.04,"sentiment":"neutral","sentiment_score":-0.052711330354213715}],"sentiment":"neutral","sentiment_score":0.00014826973840113565,"num_words":31,"start":879.07,"end":932.04},{"sentences":[{"text":"What would be a rough...","start":932.04,"end":933.18,"sentiment":"neutral","sentiment_score":-0.05656522810459137},{"text":"50, a 100?","start":933.39996,"end":934.45996,"sentiment":"neutral","sentiment_score":-0.031095492963989575},{"text":"Yeah.","start":947.015,"end":947.515,"sentiment":"neutral","sentiment_score":-0.05796746164560318},{"text":"What about with the renos?","start":949.67004,"end":950.89,"sentiment":"neutral","sentiment_score":-0.07434042617678642},{"text":"Have you got much left to do in terms of spending that 30 grand?","start":951.03,"end":955.13,"sentiment":"neutral","sentiment_score":-0.13952750845679215}],"sentiment":"neutral","sentiment_score":-0.09854169036926967,"num_words":28,"start":932.04,"end":955.13},{"sentences":[{"text":"Or Yep.","start":957.91003,"end":958.97003,"sentiment":"neutral","sentiment_score":-0.14534853026270866},{"text":"Jeez.","start":980.5,"end":981.0,"sentiment":"neutral","sentiment_score":-0.0411863848567009},{"text":"Yeah.","start":994.515,"end":995.015,"sentiment":"neutral","sentiment_score":-0.1046910285949707},{"text":"Absolutely.","start":995.155,"end":995.655,"sentiment":"neutral","sentiment_score":-0.06346645206212997},{"text":"Perfect.","start":1004.37,"end":1004.87,"sentiment":"neutral","sentiment_score":0.21462085843086243}],"sentiment":"neutral","sentiment_score":-0.04757001126805941,"num_words":6,"start":957.91003,"end":1004.87},{"sentences":[{"text":"So I guess what I could say then is in terms of, like, goals is basically move into this place, get a handle on the cash flow, rebuild the savings, and then maybe look at a bit of a bathroom after that, and then just pay down the mortgage.","start":1005.08997,"end":1017.315,"sentiment":"neutral","sentiment_score":0.07226126344532383},{"text":"Cool.","start":1019.695,"end":1020.195,"sentiment":"positive","sentiment_score":0.3561955690383911},{"text":"Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more...","start":1021.135,"end":1027.6951,"sentiment":"neutral","sentiment_score":0.05927265725202031},{"text":"What's your your long term outlook?","start":1027.6951,"end":1035.1775,"sentiment":"neutral","sentiment_score":-0.059552523928383984},{"text":"Yes.","start":1058.0599,"end":1058.38,"sentiment":"neutral","sentiment_score":0.1756035089492798}],"sentiment":"neutral","sentiment_score":0.06328151891717598,"num_words":84,"start":1005.08997,"end":1058.38},{"sentences":[{"text":"So do a bit of a lifestyle change in in decade or so.","start":1058.38,"end":1061.6,"sentiment":"neutral","sentiment_score":0.1662819247979384},{"text":"Yeah.","start":1076.995,"end":1077.495,"sentiment":"neutral","sentiment_score":0.0867743268609047},{"text":"My my hope is that the interest rates start to tumble back down again for the next few years, and you can get some some extra cash flow saved because the...","start":1078.1951,"end":1085.34,"sentiment":"neutral","sentiment_score":-0.02624386236552269},{"text":"Look.","start":1085.34,"end":1085.58,"sentiment":"neutral","sentiment_score":0.05805571377277374},{"text":"There's talk of it maybe going up another couple of percent with all the government spending AI rollout.","start":1085.58,"end":1091.28,"sentiment":"neutral","sentiment_score":0.05925628998213344}],"sentiment":"neutral","sentiment_score":0.039992946083657444,"num_words":64,"start":1058.38,"end":1091.28},{"sentences":[{"text":"If things pop, I'm hoping they drop it right back down, and you've got a good good five years to smash it out.","start":1091.66,"end":1097.395,"sentiment":"neutral","sentiment_score":0.014793019093897032},{"text":"Yeah.","start":1102.495,"end":1102.995,"sentiment":"neutral","sentiment_score":-0.06755590438842773},{"text":"Last thing I'll double check with you is just in terms of estate planning.","start":1104.175,"end":1108.115,"sentiment":"neutral","sentiment_score":-0.035754745826125145},{"text":"I don't have a beneficiary on the super at this point.","start":1109.9349,"end":1113.6,"sentiment":"neutral","sentiment_score":-0.10658420757813887},{"text":"I don't know if you've tried to go through the forms before.","start":1113.6,"end":1116.26,"sentiment":"neutral","sentiment_score":-0.095410892739892}],"sentiment":"neutral","sentiment_score":-0.041725244312012785,"num_words":61,"start":1091.66,"end":1116.26},{"sentences":[{"text":"Cool.","start":1126.755,"end":1127.255,"sentiment":"neutral","sentiment_score":0.08844634145498276},{"text":"Yep.","start":1137.475,"end":1137.975,"sentiment":"neutral","sentiment_score":0.021334504708647728},{"text":"So for...","start":1138.035,"end":1139.45,"sentiment":"neutral","sentiment_score":0.0011144215241074562},{"text":"We'll send her off to Hammondville.","start":1139.9099,"end":1141.0499,"sentiment":"neutral","sentiment_score":0.006082821482171615},{"text":"Yeah.","start":1152.7899,"end":1153.185,"sentiment":"neutral","sentiment_score":0.01968445256352425}],"sentiment":"neutral","sentiment_score":0.015290097333490849,"num_words":11,"start":1126.755,"end":1153.185},{"sentences":[{"text":"Alright.","start":1154.2251,"end":1154.545,"sentiment":"neutral","sentiment_score":0.01209480781108141},{"text":"So what I'll do is I'll post out some forms with the envelopes.","start":1154.545,"end":1158.4851,"sentiment":"neutral","sentiment_score":0.020725776369755085},{"text":"Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination.","start":1158.8651,"end":1164.645,"sentiment":"neutral","sentiment_score":0.0191526867242323},{"text":"And what you're basically looking for is two things.","start":1165.425,"end":1168.26,"sentiment":"neutral","sentiment_score":0.02151835947814915},{"text":"You can either make it legally binding, Superfund has to do it, or nonbinding, which is a bit silly like the Superfund has discretion.","start":1168.26,"end":1175.08,"sentiment":"neutral","sentiment_score":-0.0030969955842010677}],"sentiment":"neutral","sentiment_score":0.011471009275947627,"num_words":65,"start":1154.2251,"end":1175.08},{"sentences":[{"text":"And you can choose if it expires every three years or it's continuous until you change it.","start":1176.5,"end":1182.12,"sentiment":"neutral","sentiment_score":0.024695724577588195},{"text":"If you just want a standard legally binding, non lapsing nomination, there would just be a box for not passing binding.","start":1182.42,"end":1190.275,"sentiment":"neutral","sentiment_score":0.01782351071458487},{"text":"And then you just put a 100 percent spouse, date of birth, address, get it witnessed by two people on the same day that aren't your spouse, and then flick that back.","start":1190.275,"end":1199.3301,"sentiment":"neutral","sentiment_score":0.09627007564995438},{"text":"Cool.","start":1202.1901,"end":1202.6901,"sentiment":"positive","sentiment_score":0.6237263679504395},{"text":"Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go.","start":1203.0701,"end":1217.7849,"sentiment":"neutral","sentiment_score":0.25696770074190917}],"sentiment":"neutral","sentiment_score":0.14699796537309884,"num_words":125,"start":1176.5,"end":1217.7849},{"sentences":[{"text":"Awesome.","start":1220.245,"end":1220.6449,"sentiment":"positive","sentiment_score":0.691312313079834},{"text":"I'll leave that pack with you today.","start":1220.6449,"end":1222.325,"sentiment":"positive","sentiment_score":0.4234642854758671},{"text":"So just to let you know as well, there's no changes to the fees for you with Oakview at this point, but the new service guide has a tiered structure that we've just brought in.","start":1222.325,"end":1234.64,"sentiment":"neutral","sentiment_score":0.1411137934241976},{"text":"So when you get above 200,000, it'll drop from 1.65% to 1.37.","start":1234.7001,"end":1241.785,"sentiment":"neutral","sentiment_score":0.10754904026786487},{"text":"And then when you get above 500,000, it drops again.","start":1241.785,"end":1244.505,"sentiment":"neutral","sentiment_score":0.06781606487929821}],"sentiment":"neutral","sentiment_score":0.16251221866561816,"num_words":65,"start":1220.245,"end":1244.505},{"sentences":[{"text":"So we've just added in some discounts for down the line.","start":1244.505,"end":1247.405,"sentiment":"neutral","sentiment_score":0.140390353446657},{"text":"Cool.","start":1250.185,"end":1250.685,"sentiment":"positive","sentiment_score":0.393068253993988},{"text":"Any questions for me, Anthony, before I let you go?","start":1251.4199,"end":1254.0,"sentiment":"neutral","sentiment_score":0.10423391833901405},{"text":"Easy done, mate.","start":1259.1799,"end":1259.98,"sentiment":"positive","sentiment_score":0.5234731137752533},{"text":"Have a fantastic weekend, and I'll talk to you in a few weeks.","start":1259.98,"end":1264.9429,"sentiment":"positive","sentiment_score":0.6905919015407562}],"sentiment":"positive","sentiment_score":0.3559951417540249,"num_words":38,"start":1244.505,"end":1264.9429},{"sentences":[{"text":"Alright, mate.","start":1265.7228,"end":1266.2028,"sentiment":"positive","sentiment_score":0.36291103065013885},{"text":"See you later.","start":1266.2028,"end":1266.9429,"sentiment":"positive","sentiment_score":0.39155826965967816},{"text":"Bye.","start":1268.2828,"end":1268.7828,"sentiment":"neutral","sentiment_score":-0.12598006427288055}],"sentiment":"neutral","sentiment_score":0.29575280100107193,"num_words":6,"start":1265.7228,"end":1268.7828}]}}]},{"alternatives":[{"transcript":"Anthony speaking. Yeah. Good, Tommy. How about you, bud? Yeah. That's it. That's it. Oh, yeah. I know. I told him that long weekend for us, Danny. So that's that's exciting times. Do you guys have a long weekend too? Or Good. Yeah. That's it. That's it. Good man. Good man. Yep. I can go either way either way, whatever. If you want, you can just flick it to me, and I can have a look, have a read through. What is it like... What what kind of pack is it? Oh, that's cool. Yep. Yep. Yeah. Cool. Cool. No. Yeah. Just flick that over, and I'll I'll get that sorted. I think you guys should have my latest address as well in in Hammondville side of things. So more booking. Yeah. Yeah. Of course. Of course. So my address is 42 A Stuart Avenue, Hammondville. Do you need to know the postcode? I have no idea what's the Probably have to look it up in Google. Oh, there you go. I have to get used to that. I'm still not living there, to be honest. But... Yeah. Good one. And my... Sorry. My date of birth is 12/12/1992. Yeah. Yeah. Easy. Easy. Not really, man. You guys have been pretty pretty straightforward, pretty great, and I I can see that the the super's kinda growing slowly, so that's that's fine. You know what I mean? As long as we're moving forward, it's actually awesome. Yeah. Yep. Yep. Yeah. Yeah. Come on. It's the time they're in. Yeah. Yeah. Yeah. It's tough times. Yeah. It's a good generation we're in, Farrah. Yep. Yeah. Yeah. Yeah. Yeah. Which is awesome. Yeah. Yeah. Yeah. Mhmm. Mhmm. Okay. Yeah. Yeah. The whole thing of... Yeah. That recession and all that at the moment, I kind of with Australia and... Yeah. Yeah. I get you. Yeah. Yeah. That's crazy. Yeah. Yeah. I heard of it now. Yeah. Okay. Yep. Yep. Easy peasy. Yep. Yep. Yep. Yep. Yeah. Yeah. Okay. No. Not a problem. Mhmm. Okay. Yep. Okay. Yeah. Yeah. Fair enough. Yep. Okay. Yep. Yep. I'm not sure, to be honest. I'm like... Look. I'm I'm pretty easygoing, to be honest. I'm... I understand. Like, with with this stuff, is it, like, mainly being the high fees? Is that because it's... Is there more to it or something like that? Like, what what exactly is this thing that we're gonna kind of pay for for the hub? Is that is it like it... Does it have insurances or anything like that? Or... Got you. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. I'm I'm thinking that should be alright because then later on the future as well, we're not like locked in for a certain amount of terms or anything like that. We can just change whenever you want. Right? Or if the market's starting to become better and add it at whatever, and we can just decide to go into that higher fee side of things. We can do that whenever. Is that right? Yeah. Yeah. Yeah. Yep. Okay. Cool. Yeah. Okay. Okay. We will... Let's go let's go to that low fee one for now then in that case, and, yeah, we'll go from there. Yep. Yeah. Fair enough. Fair enough. Yep. Yep. Yeah. Yeah. No. No. We'll leave it for the time being because I think... I can't remember who else. I think I was speaking to someone from your side a while ago. I think his name was Kyle or whatever, but we did attempt... Because it's a long story short, right, I had a bit of a situation with my health maybe about... When was it? Three years ago. I had, like, testicular cancer and all that stuff. And then because of that, insurances aren't too happy to cover me with certain things. You know what I mean? So things are gonna be expensive and so on and so forth. So being... This is an existing cover that we thought we'll just leave it as is just in case something does happen because I think the insurances wanted to wait, like, I think it was, like, five years or something like that. There was a bit there was a bit of a story to it, and he's like, look, in about five years' time, we'll just rereview it and go from there. So I think that we'll leave it for now. Probably maybe in a couple of years time, we'll we'll look into it. Kind of change it up maybe. Sorry? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Another twelve, twenty four months kinda thing. We'll we'll rereview it or something like that and see what happens. Yeah. Mhmm. Yeah. Yeah. So now we've moved to Hammondville, so we sold that place that had that 617,000 mortgage. Now, obviously, we've started again. So it's... I think our mortgage is around the 900 thousand, I think, at the moment. I know it's... Obviously, it's not gonna cover if something does happen as much being as a high... High mortgage now. But, yeah, that's the Hammondville property. I know that we just jumped into. Yeah. Yeah. Yeah. So it was sold for 1.16, I think it was. But... Yeah. Yeah. Then we borrowed or we had 20%, put that down, and, yeah, we borrowed the rest. So it's like... It was about... I think it was either just under 900 or it was about 900,000 that we borrowed. Yeah. Yeah. Yeah. Hey. Yeah. That's still a bit fresh, all that stuff. Because, yeah, we're still living with mom in the meantime because we're kind of renovating the place. And so, hopefully, probably in the next month or so, we'll probably move in and try to get a better handle on it. Yeah. See what the bills are, see what the cash flow is, and kind of adjust. But, yes, kind of hard to determine at this point, to be honest. Yeah. Yeah. Yeah. Yeah. Okay. Fair enough. Fair enough. Yes. You know, so... Yeah. Spot on. Yeah. That's correct. Yeah. We actually... So a bit of an update on that one, actually. So we sold the Golf, so I don't have the Golf anymore. I kind of I did buy another vehicle. I bought a a Vega. I don't know. One of those electric Chinese vehicles, believe it or not. Yeah. So we got away from petrol for a bit. But... Yeah. Yeah. So now I've gotten that. So that was a... I think I put down, like, $20. I think I borrowed a 50... I think it was $56 loan, I'm pretty sure, to be honest. So... Yeah. So now I've got that. So I don't anymore, and instead I've got this car. No. EVO is still there. That's... I'm too sentimental to get rid of that one. Yeah. Yeah. Of course. Yeah. Is that like coming... We look up, or is it just off top of my head? Off the top? Yeah. Yeah. Well, they resale... Or they probably sell that new at 70... What was it, $72? So if I was to sell it now, because it's only done, like, 400 k's on the clock, Probably, I would say $68.70 grand. Be realistic. No. No. I wish... Oh, no. Nothing like. We do. We do. I've got kind of accounts everywhere at the moment because we tried... I don't know if you heard to this... You know, ING, they have a good interest return kind of thing. We we do savings. And obviously, with the cash rate going up, we've kinda tried to take advantage of it. And we put... We opened up three ING accounts and put all our money that we sold from the unit into those. And, obviously, because, you know, ING have a maxed out limit to the interest of, you know, a $100. After that, you get, like, something crap interest rate return. So we kinda opened up three different accounts and shovel their money in there. So I kinda got money all over the place at the moment, so it's hard to say how much exactly I have. But I wanna say... Yeah. Well, we... Or this renovation and all that kind of cost us a little bit. I wanna say we probably got around $30 still sitting there kind of thing. No. That's that's that's probably what ate all their money away. So... Yeah. Yeah. We... Like, we pretty much done everything. I'm trying to think what else. Honestly, everything else is done. So we've done a kitchen. We've done... We painted the whole place out. We put AC installed that. That. That that cost us every... Like, obviously, majority of it. Bathrooms, we're we're wanting to renovate, but, obviously, that can be done in the distant future once we save a little bit more money. I'm I'm not gonna completely go, you know, drain all my savings for for this. That's for sure. But... Yeah. Yeah. So definitely, I'm not doing anything else with this place. It's all been paid for or done kind of thing. Yeah. Yeah. Spot on. Spot on. Spot on. Yeah. That's definitely the goal. Well, this, believe it or not, was my kind of my long term. I have to rethink it. Look, definitely, probably stay in this place for another seven to ten years, then kind of rethink, oh, should I move maybe... Because maybe, obviously, I'm a bit further out from family. My family is down close to the coast. So maybe, yeah, sell this place and get a... Get the equity and buy a place closer to to the fam on the on the on the East Coast there, I guess. Yeah. Yeah. Yeah. A 100%. You never know. I might love living there and stay there for the rest of my life. Who knows? But definitely build some equity on this place. We've got on firm goal. Hopefully, you know, with the market and all, hopefully, it flips back up and get from there, I guess. Yeah. Yeah. Yeah. Exactly. Exactly. Right. Yeah. Yeah. But... Yeah. Yeah. So see what happens, I guess. A bit unpredictable at this point. Yep. I remember ages ago, yeah, talking about something like this. And I think they were supposed to send something else, but I I I don't think I've ever received anything. Is there any chance... Can you can you send something back out or whatever to the new address and kind of fill out what I have to fill out and definitely put someone down. I'll put my wife, obviously, kind of thing. But... Yeah. Yeah. I reckon. Because we're there kind of every week not by on on Mondays to bring in the bin. But... Yeah. Because we're the ones that are doing all the renovating pretty much. So... Mhmm. Yep. Yep. Yep. Yeah. Cool. Yep. Okay. Beautiful. No problem at all. Can do. Yep. Alright. Done. Yeah. Sounds easy. Yep. Okay. Yeah. Fair enough. Fair enough. Not a problem. Not a problem. No. No. It's been pretty straightforward, to be honest with me. So it's all good, man. Yeah. Done. Easy as. Cheers. Take care, mate. Bye. 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speaking. Yeah. Good, Tommy. How about you, bud? Yeah.\n\nThat's it. That's it. Oh, yeah. I know. I told him that long weekend for us, Danny.\n\nSo that's that's exciting times. Do you guys have a long weekend too? Or Good. Yeah. That's it.\n\nThat's it. Good man. Good man. Yep. I can go either way either way, whatever.\n\nIf you want, you can just flick it to me, and I can have a look, have a read through. What is it like... What what kind of pack is it? Oh, that's cool. Yep.\n\nYep. Yeah. Cool. Cool. No.\n\nYeah. Just flick that over, and I'll I'll get that sorted. I think you guys should have my latest address as well in in Hammondville side of things. So more booking. Yeah.\n\nYeah. Of course. Of course. So my address is 42 A Stuart Avenue, Hammondville. Do you need to know the postcode?\n\nI have no idea what's the Probably have to look it up in Google. Oh, there you go. I have to get used to that. I'm still not living there, to be honest. But...\n\nYeah. Good one. And my... Sorry. My date of birth is 12/12/1992.\n\nYeah. Yeah. Easy. Easy. Not really, man.\n\nYou guys have been pretty pretty straightforward, pretty great, and I I can see that the the super's kinda growing slowly, so that's that's fine. You know what I mean? As long as we're moving forward, it's actually awesome. Yeah. Yep.\n\nYep. Yeah. Yeah. Come on. It's the time they're in.\n\nYeah. Yeah. Yeah. It's tough times. Yeah.\n\nIt's a good generation we're in, Farrah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Which is awesome. Yeah. Yeah. Yeah.\n\nMhmm. Mhmm. Okay. Yeah. Yeah.\n\nThe whole thing of... Yeah. That recession and all that at the moment, I kind of with Australia and... Yeah. Yeah.\n\nI get you. Yeah. Yeah. That's crazy. Yeah.\n\nYeah. I heard of it now. Yeah. Okay. Yep.\n\nYep. Easy peasy. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Okay. No.\n\nNot a problem. Mhmm. Okay. Yep. Okay.\n\nYeah. Yeah. Fair enough. Yep. Okay.\n\nYep. Yep. I'm not sure, to be honest. I'm like... Look.\n\nI'm I'm pretty easygoing, to be honest. I'm... I understand. Like, with with this stuff, is it, like, mainly being the high fees? Is that because it's...\n\nIs there more to it or something like that? Like, what what exactly is this thing that we're gonna kind of pay for for the hub? Is that is it like it... Does it have insurances or anything like that? Or...\n\nGot you. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. I'm I'm thinking that should be alright because then later on the future as well, we're not like locked in for a certain amount of terms or anything like that. We can just change whenever you want. Right?\n\nOr if the market's starting to become better and add it at whatever, and we can just decide to go into that higher fee side of things. We can do that whenever. Is that right? Yeah. Yeah.\n\nYeah. Yep. Okay. Cool. Yeah.\n\nOkay. Okay. We will... Let's go let's go to that low fee one for now then in that case, and, yeah, we'll go from there. Yep.\n\nYeah. Fair enough. Fair enough. Yep. Yep.\n\nYeah. Yeah. No. No. We'll leave it for the time being because I think...\n\nI can't remember who else. I think I was speaking to someone from your side a while ago. I think his name was Kyle or whatever, but we did attempt... Because it's a long story short, right, I had a bit of a situation with my health maybe about... When was it?\n\nThree years ago. I had, like, testicular cancer and all that stuff. And then because of that, insurances aren't too happy to cover me with certain things. You know what I mean? So things are gonna be expensive and so on and so forth.\n\nSo being... This is an existing cover that we thought we'll just leave it as is just in case something does happen because I think the insurances wanted to wait, like, I think it was, like, five years or something like that. There was a bit there was a bit of a story to it, and he's like, look, in about five years' time, we'll just rereview it and go from there. So I think that we'll leave it for now. Probably maybe in a couple of years time, we'll we'll look into it.\n\nKind of change it up maybe. Sorry? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Another twelve, twenty four months kinda thing. We'll we'll rereview it or something like that and see what happens. Yeah. Mhmm.\n\nYeah. Yeah. So now we've moved to Hammondville, so we sold that place that had that 617,000 mortgage. Now, obviously, we've started again. So it's...\n\nI think our mortgage is around the 900 thousand, I think, at the moment. I know it's... Obviously, it's not gonna cover if something does happen as much being as a high... High mortgage now. But, yeah, that's the Hammondville property.\n\nI know that we just jumped into. Yeah. Yeah. Yeah. So it was sold for 1.16, I think it was.\n\nBut... Yeah. Yeah. Then we borrowed or we had 20%, put that down, and, yeah, we borrowed the rest. So it's like...\n\nIt was about... I think it was either just under 900 or it was about 900,000 that we borrowed. Yeah. Yeah. Yeah.\n\nHey. Yeah. That's still a bit fresh, all that stuff. Because, yeah, we're still living with mom in the meantime because we're kind of renovating the place. And so, hopefully, probably in the next month or so, we'll probably move in and try to get a better handle on it.\n\nYeah. See what the bills are, see what the cash flow is, and kind of adjust. But, yes, kind of hard to determine at this point, to be honest. Yeah. Yeah.\n\nYeah. Yeah. Okay. Fair enough. Fair enough.\n\nYes. You know, so... Yeah. Spot on. Yeah.\n\nThat's correct. Yeah. We actually... So a bit of an update on that one, actually. So we sold the Golf, so I don't have the Golf anymore.\n\nI kind of I did buy another vehicle. I bought a a Vega. I don't know. One of those electric Chinese vehicles, believe it or not. Yeah.\n\nSo we got away from petrol for a bit. But... Yeah. Yeah. So now I've gotten that.\n\nSo that was a... I think I put down, like, $20. I think I borrowed a 50... I think it was $56 loan, I'm pretty sure, to be honest. So...\n\nYeah. So now I've got that. So I don't anymore, and instead I've got this car. No. EVO is still there.\n\nThat's... I'm too sentimental to get rid of that one. Yeah. Yeah. Of course.\n\nYeah. Is that like coming... We look up, or is it just off top of my head? Off the top? Yeah.\n\nYeah. Well, they resale... Or they probably sell that new at 70... What was it, $72? So if I was to sell it now, because it's only done, like, 400 k's on the clock, Probably, I would say $68.70 grand.\n\nBe realistic. No. No. I wish... Oh, no.\n\nNothing like. We do. We do. I've got kind of accounts everywhere at the moment because we tried... I don't know if you heard to this...\n\nYou know, ING, they have a good interest return kind of thing. We we do savings. And obviously, with the cash rate going up, we've kinda tried to take advantage of it. And we put... We opened up three ING accounts and put all our money that we sold from the unit into those.\n\nAnd, obviously, because, you know, ING have a maxed out limit to the interest of, you know, a $100. After that, you get, like, something crap interest rate return. So we kinda opened up three different accounts and shovel their money in there. So I kinda got money all over the place at the moment, so it's hard to say how much exactly I have. But I wanna say...\n\nYeah. Well, we... Or this renovation and all that kind of cost us a little bit. I wanna say we probably got around $30 still sitting there kind of thing. No.\n\nThat's that's that's probably what ate all their money away. So... Yeah. Yeah. We...\n\nLike, we pretty much done everything. I'm trying to think what else. Honestly, everything else is done. So we've done a kitchen. We've done...\n\nWe painted the whole place out. We put AC installed that. That. That that cost us every... Like, obviously, majority of it.\n\nBathrooms, we're we're wanting to renovate, but, obviously, that can be done in the distant future once we save a little bit more money. I'm I'm not gonna completely go, you know, drain all my savings for for this. That's for sure. But... Yeah.\n\nYeah. So definitely, I'm not doing anything else with this place. It's all been paid for or done kind of thing. Yeah. Yeah.\n\nSpot on. Spot on. Spot on. Yeah. That's definitely the goal.\n\nWell, this, believe it or not, was my kind of my long term. I have to rethink it. Look, definitely, probably stay in this place for another seven to ten years, then kind of rethink, oh, should I move maybe... Because maybe, obviously, I'm a bit further out from family. My family is down close to the coast.\n\nSo maybe, yeah, sell this place and get a... Get the equity and buy a place closer to to the fam on the on the on the East Coast there, I guess. Yeah. Yeah. Yeah.\n\nA 100%. You never know. I might love living there and stay there for the rest of my life. Who knows? But definitely build some equity on this place.\n\nWe've got on firm goal. Hopefully, you know, with the market and all, hopefully, it flips back up and get from there, I guess. Yeah. Yeah. Yeah.\n\nExactly. Exactly. Right. Yeah. Yeah.\n\nBut... Yeah. Yeah. So see what happens, I guess. A bit unpredictable at this point.\n\nYep. I remember ages ago, yeah, talking about something like this. And I think they were supposed to send something else, but I I I don't think I've ever received anything. Is there any chance... Can you can you send something back out or whatever to the new address and kind of fill out what I have to fill out and definitely put someone down.\n\nI'll put my wife, obviously, kind of thing. But... Yeah. Yeah. I reckon.\n\nBecause we're there kind of every week not by on on Mondays to bring in the bin. But... Yeah. Because we're the ones that are doing all the renovating pretty much. So...\n\nMhmm. Yep. Yep. Yep. Yeah.\n\nCool. Yep. Okay. Beautiful. No problem at all.\n\nCan do. Yep. Alright. Done. Yeah.\n\nSounds easy. Yep. Okay. Yeah. Fair enough.\n\nFair enough. Not a problem. Not a problem. No. No.\n\nIt's been pretty straightforward, to be honest with me. So it's all good, man. Yeah. Done. Easy as.\n\nCheers. Take care, mate. Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Anthony speaking.","start":1.76,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.04872421361505985},{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.22601082921028137},{"text":"Good, Tommy.","start":8.24,"end":8.8,"sentiment":"positive","sentiment_score":0.46830859780311584},{"text":"How about you, bud?","start":8.8,"end":9.86,"sentiment":"positive","sentiment_score":0.4656473398208618},{"text":"Yeah.","start":12.955,"end":13.275,"sentiment":"neutral","sentiment_score":0.26549920439720154}],"sentiment":"positive","sentiment_score":0.33881650157272813,"num_words":10,"start":1.76,"end":13.275},{"sentences":[{"text":"That's it.","start":13.275,"end":13.755,"sentiment":"neutral","sentiment_score":0.2362421527504921},{"text":"That's it.","start":13.755,"end":14.315,"sentiment":"neutral","sentiment_score":0.1968332603573799},{"text":"Oh, yeah.","start":14.315,"end":14.635,"sentiment":"neutral","sentiment_score":0.23329518735408783},{"text":"I know.","start":14.635,"end":14.875,"sentiment":"neutral","sentiment_score":0.1877293586730957},{"text":"I told him that long weekend for us, Danny.","start":14.875,"end":17.055,"sentiment":"neutral","sentiment_score":0.215111396378941}],"sentiment":"neutral","sentiment_score":0.21436485209885767,"num_words":17,"start":13.275,"end":17.055},{"sentences":[{"text":"So that's that's exciting times.","start":17.515,"end":19.535,"sentiment":"positive","sentiment_score":0.47882784008979795},{"text":"Do you guys have a long weekend too?","start":19.835,"end":21.435,"sentiment":"neutral","sentiment_score":0.22031359374523163},{"text":"Or Good.","start":21.435,"end":22.814999,"sentiment":"neutral","sentiment_score":0.32626303285360336},{"text":"Yeah.","start":25.01,"end":25.33,"sentiment":"neutral","sentiment_score":0.2522755563259125},{"text":"That's 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read through.","start":43.315002,"end":47.155,"sentiment":"neutral","sentiment_score":0.052033235970884564},{"text":"What is it like...","start":47.155,"end":48.215,"sentiment":"neutral","sentiment_score":0.00016082229558378458},{"text":"What what kind of pack is it?","start":48.275,"end":49.975002,"sentiment":"neutral","sentiment_score":0.00019211747816630796},{"text":"Oh, that's cool.","start":57.69,"end":58.65,"sentiment":"neutral","sentiment_score":0.1669862320025762},{"text":"Yep.","start":58.65,"end":59.15,"sentiment":"neutral","sentiment_score":0.08370279520750046}],"sentiment":"neutral","sentiment_score":0.04649469491892627,"num_words":35,"start":43.315002,"end":59.15},{"sentences":[{"text":"Yep.","start":61.53,"end":62.03,"sentiment":"neutral","sentiment_score":0.08179271221160889},{"text":"Yeah.","start":64.33,"end":64.729996,"sentiment":"neutral","sentiment_score":0.10861864686012268},{"text":"Cool.","start":64.729996,"end":65.05,"sentiment":"neutral","sentiment_score":0.1575419306755066},{"text":"Cool.","start":65.05,"end":65.45,"sentiment":"neutral","sentiment_score":0.088124118745327},{"text":"No.","start":65.45,"end":65.69,"sentiment":"neutral","sentiment_score":0.020614394918084145}],"sentiment":"neutral","sentiment_score":0.09133836068212986,"num_words":5,"start":61.53,"end":65.69},{"sentences":[{"text":"Yeah.","start":65.69,"end":65.93,"sentiment":"neutral","sentiment_score":0.03167054057121277},{"text":"Just flick that over, and I'll I'll get that sorted.","start":65.93,"end":67.994995,"sentiment":"neutral","sentiment_score":0.055305388569831845},{"text":"I think you guys should have my latest address as well in in Hammondville side of things.","start":67.994995,"end":74.255,"sentiment":"neutral","sentiment_score":0.05369986352675101},{"text":"So more booking.","start":74.715,"end":75.615,"sentiment":"neutral","sentiment_score":0.03209256815413634},{"text":"Yeah.","start":82.16,"end":82.66,"sentiment":"neutral","sentiment_score":0.03272806107997894}],"sentiment":"neutral","sentiment_score":0.05083212099270895,"num_words":32,"start":65.69,"end":82.66},{"sentences":[{"text":"Yeah.","start":82.96001,"end":83.28001,"sentiment":"neutral","sentiment_score":0.0305161289870739},{"text":"Of course.","start":83.28001,"end":83.600006,"sentiment":"neutral","sentiment_score":0.03295322693884373},{"text":"Of course.","start":83.600006,"end":84.32001,"sentiment":"neutral","sentiment_score":0.031079264357686043},{"text":"So my address is 42 A Stuart Avenue, Hammondville.","start":84.32001,"end":88.5,"sentiment":"neutral","sentiment_score":0.018278477920426264},{"text":"Do you need to know the postcode?","start":90.48,"end":91.840004,"sentiment":"neutral","sentiment_score":-0.004303595317261559}],"sentiment":"neutral","sentiment_score":0.013950583125863756,"num_words":21,"start":82.96001,"end":91.840004},{"sentences":[{"text":"I have no idea what's the Probably have to look it up in Google.","start":91.840004,"end":97.08501,"sentiment":"neutral","sentiment_score":-0.031624852546623776},{"text":"Oh, there you go.","start":98.265,"end":99.245,"sentiment":"neutral","sentiment_score":-0.007423140574246645},{"text":"I have to get used to that.","start":99.545006,"end":100.825005,"sentiment":"neutral","sentiment_score":-0.08526556193828583},{"text":"I'm still not living there, to be honest.","start":100.825005,"end":102.825005,"sentiment":"neutral","sentiment_score":-0.05782960820943117},{"text":"But...","start":102.825005,"end":102.985,"sentiment":"neutral","sentiment_score":0.0009724656119942664}],"sentiment":"neutral","sentiment_score":-0.04502834798768163,"num_words":34,"start":91.840004,"end":102.985},{"sentences":[{"text":"Yeah.","start":102.985,"end":103.145004,"sentiment":"neutral","sentiment_score":0.08475039154291153},{"text":"Good one.","start":103.145004,"end":103.885,"sentiment":"neutral","sentiment_score":0.24986983090639114},{"text":"And my...","start":105.305,"end":106.025,"sentiment":"neutral","sentiment_score":0.04784070514142513},{"text":"Sorry.","start":106.025,"end":106.345,"sentiment":"neutral","sentiment_score":0.018792681396007534},{"text":"My date of birth is 12/12/1992.","start":106.345,"end":109.405,"sentiment":"neutral","sentiment_score":0.022925369751950104}],"sentiment":"neutral","sentiment_score":0.06970969696218769,"num_words":12,"start":102.985,"end":109.405},{"sentences":[{"text":"Yeah.","start":115.86,"end":116.18,"sentiment":"neutral","sentiment_score":0.130698561668396},{"text":"Yeah.","start":116.18,"end":116.42,"sentiment":"neutral","sentiment_score":0.1550300419330597},{"text":"Easy.","start":116.42,"end":116.82,"sentiment":"neutral","sentiment_score":0.2157144844532013},{"text":"Easy.","start":116.82,"end":117.32,"sentiment":"neutral","sentiment_score":0.18761160969734192},{"text":"Not really, man.","start":123.454994,"end":124.255,"sentiment":"neutral","sentiment_score":-0.009183122466007868}],"sentiment":"neutral","sentiment_score":0.09450076147913933,"num_words":7,"start":115.86,"end":124.255},{"sentences":[{"text":"You guys have been pretty pretty straightforward, pretty great, and I I can see that the the super's kinda growing slowly, so that's that's fine.","start":124.255,"end":131.935,"sentiment":"positive","sentiment_score":0.4054577922821045},{"text":"You know what I mean?","start":131.935,"end":132.655,"sentiment":"neutral","sentiment_score":0.25141546726226804},{"text":"As long as we're moving forward, it's actually awesome.","start":132.655,"end":135.555,"sentiment":"positive","sentiment_score":0.7064204613367716},{"text":"Yeah.","start":144.67,"end":145.17,"sentiment":"neutral","sentiment_score":0.07875660061836243},{"text":"Yep.","start":151.805,"end":152.305,"sentiment":"neutral","sentiment_score":0.1170649528503418}],"sentiment":"positive","sentiment_score":0.4377348255820391,"num_words":41,"start":124.255,"end":152.305},{"sentences":[{"text":"Yep.","start":159.485,"end":159.985,"sentiment":"neutral","sentiment_score":0.06087545678019523},{"text":"Yeah.","start":166.54001,"end":166.78,"sentiment":"neutral","sentiment_score":0.0003903890028595925},{"text":"Yeah.","start":166.78,"end":167.02,"sentiment":"neutral","sentiment_score":0.0029105530120432377},{"text":"Come on.","start":167.02,"end":167.58,"sentiment":"neutral","sentiment_score":0.0018906849436461926},{"text":"It's the time they're 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Farrah.","start":183.635,"end":186.215,"sentiment":"neutral","sentiment_score":0.2777606781039919},{"text":"Yep.","start":196.56999,"end":196.73,"sentiment":"neutral","sentiment_score":0.12090104073286057},{"text":"Yeah.","start":196.73,"end":197.23,"sentiment":"neutral","sentiment_score":0.024660540744662285},{"text":"Yeah.","start":204.41,"end":204.91,"sentiment":"neutral","sentiment_score":0.02828778512775898},{"text":"Yeah.","start":207.795,"end":208.115,"sentiment":"neutral","sentiment_score":0.3064119517803192}],"sentiment":"neutral","sentiment_score":0.22041691501032223,"num_words":11,"start":183.635,"end":208.115},{"sentences":[{"text":"Yeah.","start":208.115,"end":208.355,"sentiment":"positive","sentiment_score":0.3870737552642822},{"text":"Which is awesome.","start":208.355,"end":209.155,"sentiment":"positive","sentiment_score":0.672119677066803},{"text":"Yeah.","start":209.155,"end":209.395,"sentiment":"positive","sentiment_score":0.33964061737060547},{"text":"Yeah.","start":209.395,"end":209.635,"sentiment":"neutral","sentiment_score":0.27446550130844116},{"text":"Yeah.","start":209.635,"end":210.135,"sentiment":"neutral","sentiment_score":0.23801568150520325}],"sentiment":"positive","sentiment_score":0.4650792266641344,"num_words":7,"start":208.115,"end":210.135},{"sentences":[{"text":"Mhmm.","start":216.275,"end":216.775,"sentiment":"neutral","sentiment_score":-0.011716503649950027},{"text":"Mhmm.","start":217.075,"end":217.575,"sentiment":"neutral","sentiment_score":-0.00602382468059659},{"text":"Okay.","start":227.56,"end":228.06,"sentiment":"neutral","sentiment_score":-0.05244327336549759},{"text":"Yeah.","start":241.695,"end":242.095,"sentiment":"neutral","sentiment_score":-0.08211556077003479},{"text":"Yeah.","start":242.095,"end":242.595,"sentiment":"neutral","sentiment_score":-0.08742654323577881}],"sentiment":"neutral","sentiment_score":-0.04794514114037156,"num_words":5,"start":216.275,"end":242.595},{"sentences":[{"text":"The whole thing of...","start":242.735,"end":243.955,"sentiment":"neutral","sentiment_score":-0.13653919287025928},{"text":"Yeah.","start":244.095,"end":244.41501,"sentiment":"neutral","sentiment_score":-0.07318980991840363},{"text":"That recession and all that at the moment, I kind of with Australia and...","start":244.41501,"end":248.74,"sentiment":"neutral","sentiment_score":-0.13433385427509034},{"text":"Yeah.","start":248.74,"end":249.06,"sentiment":"neutral","sentiment_score":-0.04604046046733856},{"text":"Yeah.","start":249.06,"end":249.56,"sentiment":"neutral","sentiment_score":-0.045052334666252136}],"sentiment":"neutral","sentiment_score":-0.12338634935163316,"num_words":21,"start":242.735,"end":249.56},{"sentences":[{"text":"I get you.","start":250.18001,"end":251.08,"sentiment":"neutral","sentiment_score":-0.0348727460950613},{"text":"Yeah.","start":270.355,"end":270.555,"sentiment":"neutral","sentiment_score":-0.03355797007679939},{"text":"Yeah.","start":270.555,"end":270.755,"sentiment":"neutral","sentiment_score":-0.04122234508395195},{"text":"That's crazy.","start":270.755,"end":271.475,"sentiment":"neutral","sentiment_score":-0.05802533030509949},{"text":"Yeah.","start":271.475,"end":271.71503,"sentiment":"neutral","sentiment_score":-0.02152042835950851}],"sentiment":"neutral","sentiment_score":-0.03962120530195534,"num_words":8,"start":250.18001,"end":271.71503},{"sentences":[{"text":"Yeah.","start":271.71503,"end":272.11502,"sentiment":"neutral","sentiment_score":-0.021820811554789543},{"text":"I heard of it 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like...","start":394.28,"end":394.92,"sentiment":"neutral","sentiment_score":-0.0489197950810194},{"text":"Look.","start":394.92,"end":395.16,"sentiment":"neutral","sentiment_score":-0.02741365507245064}],"sentiment":"neutral","sentiment_score":-0.0716992670839483,"num_words":11,"start":367.2,"end":395.16},{"sentences":[{"text":"I'm I'm pretty easygoing, to be honest.","start":395.16,"end":397.1,"sentiment":"neutral","sentiment_score":0.27585763803550173},{"text":"I'm...","start":398.045,"end":398.525,"sentiment":"neutral","sentiment_score":-0.0024381782859563828},{"text":"I understand.","start":398.525,"end":399.265,"sentiment":"neutral","sentiment_score":-0.0335792601108551},{"text":"Like, with with this stuff, is it, like, mainly being the high fees?","start":399.325,"end":404.765,"sentiment":"neutral","sentiment_score":-0.07971145012057744},{"text":"Is that because it's...","start":404.765,"end":405.905,"sentiment":"neutral","sentiment_score":-0.10619151778519154}],"sentiment":"neutral","sentiment_score":0.01482932759379899,"num_words":27,"start":395.16,"end":405.905},{"sentences":[{"text":"Is there more to it or something like that?","start":406.765,"end":408.605,"sentiment":"neutral","sentiment_score":-0.09429223918252522},{"text":"Like, what what exactly is this thing that we're gonna kind of pay for for the hub?","start":408.605,"end":414.30002,"sentiment":"neutral","sentiment_score":-0.06852480703416992},{"text":"Is that is it like it...","start":414.30002,"end":415.18,"sentiment":"neutral","sentiment_score":-0.04246745941539606},{"text":"Does it have insurances or anything like 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you.","start":423.1,"end":423.5,"sentiment":"neutral","sentiment_score":0.005845979321748017},{"text":"Yep.","start":423.5,"end":423.75,"sentiment":"neutral","sentiment_score":0.029223304241895676},{"text":"Yep.","start":423.75,"end":424.25,"sentiment":"neutral","sentiment_score":0.02688080631196499},{"text":"Yep.","start":431.715,"end":432.035,"sentiment":"neutral","sentiment_score":0.010841436684131622},{"text":"Yep.","start":432.035,"end":432.535,"sentiment":"neutral","sentiment_score":-0.0194931048899889}],"sentiment":"neutral","sentiment_score":0.009857400165249905,"num_words":6,"start":423.1,"end":432.535},{"sentences":[{"text":"Yep.","start":435.955,"end":436.455,"sentiment":"neutral","sentiment_score":0.09895525872707368},{"text":"Yeah.","start":442.56,"end":442.87997,"sentiment":"neutral","sentiment_score":0.12847603857517242},{"text":"Yeah.","start":442.87997,"end":443.12,"sentiment":"neutral","sentiment_score":0.1225590854883194},{"text":"Yeah.","start":443.12,"end":443.62,"sentiment":"neutral","sentiment_score":0.1179649531841278},{"text":"Okay.","start":449.36,"end":449.75998,"sentiment":"neutral","sentiment_score":0.13386541604995728}],"sentiment":"neutral","sentiment_score":0.12036415040493012,"num_words":5,"start":435.955,"end":449.75998},{"sentences":[{"text":"Yeah.","start":449.75998,"end":450.25998,"sentiment":"neutral","sentiment_score":0.1250394880771637},{"text":"Yeah.","start":453.19998,"end":453.52,"sentiment":"neutral","sentiment_score":0.1951844692230225},{"text":"I'm I'm thinking that should be alright because then later on the future as well, we're not like locked in for a certain amount of terms or anything like that.","start":453.52,"end":460.29498,"sentiment":"neutral","sentiment_score":0.17467800776163736},{"text":"We can just change whenever you want.","start":460.29498,"end":461.735,"sentiment":"neutral","sentiment_score":0.2220912618296487},{"text":"Right?","start":461.735,"end":461.97498,"sentiment":"neutral","sentiment_score":0.14687584340572357}],"sentiment":"neutral","sentiment_score":0.18155197165906428,"num_words":40,"start":449.75998,"end":461.97498},{"sentences":[{"text":"Or if the market's starting to become better and add it at whatever, and we can just decide to go into that higher fee side of things.","start":461.97498,"end":472.81,"sentiment":"neutral","sentiment_score":0.15787015082659545},{"text":"We can do that whenever.","start":472.81,"end":474.09,"sentiment":"neutral","sentiment_score":0.21045052111148835},{"text":"Is 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it?","start":550.08496,"end":550.885,"sentiment":"neutral","sentiment_score":-0.07415131479501724}],"sentiment":"neutral","sentiment_score":-0.06530288155548848,"num_words":52,"start":536.3,"end":550.885},{"sentences":[{"text":"Three years ago.","start":550.885,"end":552.505,"sentiment":"neutral","sentiment_score":-0.07824884603420894},{"text":"I had, like, testicular cancer and all that stuff.","start":553.925,"end":556.90497,"sentiment":"neutral","sentiment_score":-0.11559898157914479},{"text":"And then because of that, insurances aren't too happy to cover me with certain things.","start":557.19995,"end":563.38,"sentiment":"neutral","sentiment_score":-0.20147444208463033},{"text":"You know what I mean?","start":563.92,"end":564.63995,"sentiment":"neutral","sentiment_score":-0.10738209933042527},{"text":"So things are gonna be expensive and so on and so forth.","start":564.63995,"end":567.68,"sentiment":"neutral","sentiment_score":-0.12596790182093778}],"sentiment":"neutral","sentiment_score":-0.14422225732017646,"num_words":44,"start":550.885,"end":567.68},{"sentences":[{"text":"So being...","start":567.68,"end":569.83997,"sentiment":"neutral","sentiment_score":-0.03928277641534805},{"text":"This is an existing cover that we thought we'll just leave it as is just in case something does happen because I think the insurances wanted to wait, like, I think it was, like, five years or something like that.","start":569.83997,"end":582.135,"sentiment":"neutral","sentiment_score":-0.10618368703871965},{"text":"There was a bit there was a bit of a story to it, and he's like, look, in about five years' time, we'll just rereview it and go from there.","start":583.155,"end":589.93,"sentiment":"neutral","sentiment_score":-0.08384911318620046},{"text":"So I think that we'll leave it for 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much.","start":1149.71,"end":1153.25,"sentiment":"neutral","sentiment_score":-0.05266202582667271},{"text":"So...","start":1154.59,"end":1155.09,"sentiment":"neutral","sentiment_score":0.016578026115894318}],"sentiment":"neutral","sentiment_score":-0.04376589140156284,"num_words":32,"start":1143.165,"end":1155.09},{"sentences":[{"text":"Mhmm.","start":1155.3899,"end":1155.8899,"sentiment":"neutral","sentiment_score":0.014326892793178558},{"text":"Yep.","start":1165.595,"end":1166.095,"sentiment":"neutral","sentiment_score":0.034938596189022064},{"text":"Yep.","start":1175.81,"end":1176.31,"sentiment":"neutral","sentiment_score":0.04930175468325615},{"text":"Yep.","start":1182.6101,"end":1183.1101,"sentiment":"neutral","sentiment_score":0.023710278794169422},{"text":"Yeah.","start":1191.005,"end":1191.325,"sentiment":"neutral","sentiment_score":0.05577348917722702}],"sentiment":"neutral","sentiment_score":0.035610202327370645,"num_words":5,"start":1155.3899,"end":1191.325},{"sentences":[{"text":"Cool.","start":1191.325,"end":1191.825,"sentiment":"neutral","sentiment_score":0.29205527901649475},{"text":"Yep.","start":1197.645,"end":1198.145,"sentiment":"neutral","sentiment_score":0.06369730830192566},{"text":"Okay.","start":1199.885,"end":1200.365,"sentiment":"neutral","sentiment_score":0.28091108798980713},{"text":"Beautiful.","start":1200.365,"end":1200.865,"sentiment":"positive","sentiment_score":0.6191551685333252},{"text":"No problem at all.","start":1200.9249,"end":1202.145,"sentiment":"positive","sentiment_score":0.5149731040000916}],"sentiment":"positive","sentiment_score":0.41446390748023987,"num_words":8,"start":1191.325,"end":1202.145},{"sentences":[{"text":"Can do.","start":1202.605,"end":1203.345,"sentiment":"positive","sentiment_score":0.4716890752315521},{"text":"Yep.","start":1211.84,"end":1212.34,"sentiment":"neutral","sentiment_score":0.2387603372335434},{"text":"Alright.","start":1218.035,"end":1218.355,"sentiment":"neutral","sentiment_score":0.22598284482955933},{"text":"Done.","start":1218.355,"end":1218.515,"sentiment":"neutral","sentiment_score":0.286825954914093},{"text":"Yeah.","start":1218.515,"end":1218.915,"sentiment":"positive","sentiment_score":0.35312095284461975}],"sentiment":"positive","sentiment_score":0.3413447067141533,"num_words":6,"start":1202.605,"end":1218.915},{"sentences":[{"text":"Sounds easy.","start":1218.915,"end":1219.735,"sentiment":"positive","sentiment_score":0.5822828114032745},{"text":"Yep.","start":1238.1499,"end":1238.6499,"sentiment":"neutral","sentiment_score":0.11298608034849168},{"text":"Okay.","start":1242.195,"end":1242.695,"sentiment":"neutral","sentiment_score":0.06013287976384163},{"text":"Yeah.","start":1247.475,"end":1247.7949,"sentiment":"neutral","sentiment_score":0.12461007386446},{"text":"Fair enough.","start":1247.7949,"end":1248.355,"sentiment":"neutral","sentiment_score":0.15967830270528793}],"sentiment":"neutral","sentiment_score":0.2545216088848455,"num_words":7,"start":1218.915,"end":1248.355},{"sentences":[{"text":"Fair enough.","start":1248.355,"end":1249.075,"sentiment":"neutral","sentiment_score":0.17338385432958603},{"text":"Not a problem.","start":1249.075,"end":1249.815,"sentiment":"positive","sentiment_score":0.3370378613471985},{"text":"Not a problem.","start":1250.195,"end":1251.015,"sentiment":"neutral","sentiment_score":0.2569038023551305},{"text":"No.","start":1254.37,"end":1254.61,"sentiment":"neutral","sentiment_score":0.06402760744094849},{"text":"No.","start":1254.61,"end":1254.85,"sentiment":"neutral","sentiment_score":0.09688249230384828}],"sentiment":"neutral","sentiment_score":0.22895027995109557,"num_words":10,"start":1248.355,"end":1254.85},{"sentences":[{"text":"It's been pretty straightforward, to be honest with me.","start":1254.85,"end":1257.01,"sentiment":"neutral","sentiment_score":0.3198576072851817},{"text":"So it's all good, man.","start":1257.01,"end":1258.13,"sentiment":"positive","sentiment_score":0.5774102807044983},{"text":"Yeah.","start":1258.13,"end":1258.63,"sentiment":"positive","sentiment_score":0.4001380205154419},{"text":"Done.","start":1263.283,"end":1263.783,"sentiment":"positive","sentiment_score":0.5850109457969666},{"text":"Easy as.","start":1263.9229,"end":1264.643,"sentiment":"positive","sentiment_score":0.3744165748357773}],"sentiment":"positive","sentiment_score":0.4166528880596161,"num_words":18,"start":1254.85,"end":1264.643},{"sentences":[{"text":"Cheers.","start":1264.643,"end":1265.143,"sentiment":"positive","sentiment_score":0.577910840511322},{"text":"Take care, mate.","start":1267.0428,"end":1267.763,"sentiment":"neutral","sentiment_score":0.3159632980823517},{"text":"Bye.","start":1267.763,"end":1268.0029,"sentiment":"neutral","sentiment_score":0.17149949073791504},{"text":"Bye bye.","start":1268.0029,"end":1268.6628,"sentiment":"neutral","sentiment_score":0.11148220300674438}],"sentiment":"neutral","sentiment_score":0.27432351878711153,"num_words":7,"start":1264.643,"end":1268.6628}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Anthony\n\nChannel 0: Good afternoon, Anthony. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: speaking. Yeah. Good, Tommy. How about you, bud?\n\nChannel 0: Living the dream. Happy Friday to you.\n\nChannel 1: Yeah. That's it. That's it. Oh, yeah. I know.\n\nI told him that long weekend for us, Danny. So that's\n\nChannel 0: Yep.\n\nChannel 1: that's exciting times. Do you guys have\n\nChannel 0: Absolutely.\n\nChannel 1: a long weekend too? Or\n\nChannel 0: Yeah. We got\n\nChannel 1: Good.\n\nChannel 0: a long weekend too, mate. Very much looking forward to it.\n\nChannel 1: Yeah. That's it. That's it. Good man. Good man.\n\nChannel 0: I've got you booked in for a bit of an annual review there. Just wondering if I'm gonna send out a bit of a pack to you. Will you be\n\nChannel 1: Yep.\n\nChannel 0: able to look on to the email with me, or should I just give you a bit of a walk through what I'm sending?\n\nChannel 1: I can go either way either way, whatever. If you want, you can just flick it to me, and I can have a look, have a read through. What is it like... What what kind of pack is it?\n\nChannel 0: So it basically has a summary of, like, your super and insurance performance, your certificates of currency for insurance,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: that's\n\nChannel 0: then,\n\nChannel 1: cool. Yep.\n\nChannel 0: basically, service guides with us\n\nChannel 1: Yep.\n\nChannel 0: and some consent forms as well.\n\nChannel 1: Yeah. Cool. Cool. No. Yeah.\n\nJust flick that over, and I'll I'll get that sorted. I think you guys should have my latest address as well in in Hammondville side of things. So\n\nChannel 0: Yeah.\n\nChannel 1: more\n\nChannel 0: Actually,\n\nChannel 1: booking.\n\nChannel 0: if I could just quickly do security with you, can I grab that address? And it has been updated, but I'll just grab that from you and\n\nChannel 1: Yeah.\n\nChannel 0: your date of birth.\n\nChannel 1: Yeah. Of course. Of course. So my address is 42 A Stuart Avenue, Hammondville. Do you need to know the postcode?\n\nI have no idea what's\n\nChannel 0: No.\n\nChannel 1: the\n\nChannel 0: That's fine. That's the one, mate. It\n\nChannel 1: Probably\n\nChannel 0: is\n\nChannel 1: have to look\n\nChannel 0: two\n\nChannel 1: it up\n\nChannel 0: one\n\nChannel 1: in Google.\n\nChannel 0: 70, apparently.\n\nChannel 1: Oh, there you go. I have to get used to that. I'm still not living there, to be honest. But... Yeah.\n\nGood one. And my... Sorry. My date of birth is 12/12/1992.\n\nChannel 0: Fantastic. So another millennial just like myself, mate. We'll see how the soup is going, and I've got a few ideas for you.\n\nChannel 1: Yeah. Yeah. Easy. Easy.\n\nChannel 0: Outside of that, is there anything in particular you're hoping to get out of tip review?\n\nChannel 1: Not really, man. You guys have been pretty pretty straightforward, pretty great, and I I can see that the the super's kinda growing slowly, so that's that's fine. You know what I mean? As long as we're moving forward, it's actually awesome.\n\nChannel 0: Perfect. What I'll do is I'll update some details in a minute, just go through your fax lines, see if it's all up to date with the new system that we've got.\n\nChannel 1: Yeah.\n\nChannel 0: Just quick on the super two. So because you've got that... The old C Bus account with the insurances attached,\n\nChannel 1: Yep.\n\nChannel 0: you've got contributions going to C Bus. That's great. That keeps that insurance kind of in force.\n\nChannel 1: Yep.\n\nChannel 0: We've got the the hub sitting at almost 78,000. It's kind of going up and down like a yo yo at the moment with\n\nChannel 1: Yeah. Yeah. Come\n\nChannel 0: the\n\nChannel 1: on. It's\n\nChannel 0: rate\n\nChannel 1: the time\n\nChannel 0: rises\n\nChannel 1: they're in.\n\nChannel 0: and laws and... Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. It's tough times.\n\nChannel 0: It's fun. You've kind of gone through... I can see in your account four market drops in three years, which\n\nChannel 1: Yeah.\n\nChannel 0: normally it's one in four. So we've had some interesting times.\n\nChannel 1: It's a good generation we're in, Farrah.\n\nChannel 0: It is. It is. I was just talking to the business about that too. Now it's still up, like, 5%, which is great. So even with the market dropping, you're still in the positive.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Overall, over that three, three and a half year period, we're still clearing just under 11% after fees, which for\n\nChannel 1: Yeah.\n\nChannel 0: your risk profile, you're kind of aiming for nine and above.\n\nChannel 1: Yeah. Yeah. Which is awesome. Yeah. Yeah.\n\nYeah.\n\nChannel 0: Yep. Awesome. A couple of things that I do kind of wanna sort. Firstly, I'll just quickly touch on the risk level for a minute.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: You're in that growth profile, so four out of five on the risk scale. Again, it's a bit above medium to try and get some higher returns, but you're not high risk at this point.\n\nChannel 1: Okay.\n\nChannel 0: So basically, 80% in shares property and gold, 20% in the safer side of things. I probably wouldn't advise going high growth right this minute considering market could crash this year or in the new year.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Maybe\n\nChannel 1: The\n\nChannel 0: give\n\nChannel 1: whole\n\nChannel 0: it a bit\n\nChannel 1: thing\n\nChannel 0: of time.\n\nChannel 1: of... Yeah. That recession and all that at the moment, I kind of with Australia and... Yeah. Yeah.\n\nI get you.\n\nChannel 0: Yeah. There's a bit of a bounce between two things where interest rates going up, inflation, we're looking at, you know, recession side. Then on the flip side, the the AI companies are spending 4,000,000,000,000 on their build out, which is creating some huge... You know, there's some some chippy in an electrician. They're getting $400 to build a data center.\n\nChannel 1: Yeah. Yeah. That's crazy. Yeah. Yeah.\n\nChannel 0: That\n\nChannel 1: I heard\n\nChannel 0: does\n\nChannel 1: of\n\nChannel 0: things\n\nChannel 1: it now.\n\nChannel 0: too.\n\nChannel 1: Yeah.\n\nChannel 0: So it's a bit of a split between two things. Could grow, could crash, could do both at the same time. We tweak... Need to play the law of averages, get you right through the middle, and then keep an eye on the investments, make sure if something goes topsy-turvy that we do update the portfolio.\n\nChannel 1: Okay. Yep. Yep. Easy peasy.\n\nChannel 0: One thing I would like to do is we've got some updated research from the old SeaBus.\n\nChannel 1: Yep.\n\nChannel 0: It's jumped up to about 32,000 with all the contributions that have kind of piled in there. You only really need about $10 in there for the insurances to be, like, no risk of lapsing. So\n\nChannel 1: Yep.\n\nChannel 0: what I'm\n\nChannel 1: Yep.\n\nChannel 0: thinking is net market's down a little bit. I wanna put together just an updated plan for you where maybe we do a small rollover across, and\n\nChannel 1: Yep.\n\nChannel 0: I can tweak a couple of the investments as well.\n\nChannel 1: Yeah. Yeah. Okay. No. Not a\n\nChannel 0: Cool.\n\nChannel 1: problem.\n\nChannel 0: One thing that you'll see is that in the performance report, everything that you've got is pretty well growing double digits really well. There is, like, a term deposit for your safe assets that's being... I guess, it's had some good growth for a term deposit, but it's being phased out by the government, so I need to update that\n\nChannel 1: Mhmm.\n\nChannel 0: one.\n\nChannel 1: Okay. Yep.\n\nChannel 0: It's called, like, a bank high... Where it's like a it's like a bond that turns into a share at the end. They don't\n\nChannel 1: Okay.\n\nChannel 0: like that idea, so we're just gonna switch\n\nChannel 1: Yeah.\n\nChannel 0: it to something a little bit... Yeah.\n\nChannel 1: Yeah. Fair enough. Yep.\n\nChannel 0: There is a Benelon option that's gone down. It's the only negative one. It's kind of, I guess, going down faster than the Australian market is, So I wanna kind of switch that one out as well.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: One question I do have for you, and this is purely personal preference. I know it's hard to answer these sorts of things, but Hub's got the most investment options in the industry. It's about 1,300. To kind of whittle it down a little bit, I can build you something that's either really good low fees or, you know, you pay higher fees to get a higher return. That's called active.\n\nAnd I'm just wondering where your gut leans between the two.\n\nChannel 1: I'm not sure, to be honest. I'm like... Look. I'm I'm pretty easygoing, to be honest. I'm...\n\nI understand. Like, with with this stuff, is it, like, mainly being the high fees? Is that because it's... Is there more to it or something like that? Like, what what exactly is this thing that we're gonna kind of pay for for the hub?\n\nIs that is it like it... Does it have insurances or anything like that? Or...\n\nChannel 0: No. So what what it is is each fund manager has a different style of how they invest the money.\n\nChannel 1: Got\n\nChannel 0: And\n\nChannel 1: you. Yep. Yep.\n\nChannel 0: for example, your... The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in\n\nChannel 1: Yep.\n\nChannel 0: Australia,\n\nChannel 1: Yep.\n\nChannel 0: and they haven't been doing too well at it.\n\nChannel 1: Yep.\n\nChannel 0: The the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I guess\n\nChannel 1: Yeah.\n\nChannel 0: the fees down about 80%. So we can kind of change the style back to a bit more of a lower fee passive approach, A\n\nChannel 1: Okay.\n\nChannel 0: bit\n\nChannel 1: Yeah.\n\nChannel 0: more there as well if you're okay for me to run that.\n\nChannel 1: Yeah. I'm I'm thinking that should be alright because then later on the future as well, we're not like locked in for a certain amount of terms or anything like that. We can just change whenever you want. Right? Or if the market's starting to become better and add it at whatever, and we can just decide to go into that higher fee side of things.\n\nWe can do that whenever. Is that right?\n\nChannel 0: Exactly right. It's the same thing with\n\nChannel 1: Yeah.\n\nChannel 0: the risk level. We can move\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: up and down in how much growth assets you've got. And then for\n\nChannel 1: Yep.\n\nChannel 0: the fund managers, that's why we do the reviews to kind of switch them out as we need.\n\nChannel 1: Okay. Cool. Yeah. Okay. Okay.\n\nWe will... Let's go let's go to that low fee one for now then in that case, and, yeah, we'll go from there.\n\nChannel 0: Beautiful. I'll put together an updated plan just to some comparisons and updated comparisons, all the funds of, you know, updated investments and fees and whatnot. And\n\nChannel 1: Yep.\n\nChannel 0: I'll get that to you in the next few weeks or so, run that by you, make sure you're comfortable before I touch anything.\n\nChannel 1: Yeah. Fair enough. Fair enough.\n\nChannel 0: Cool. Just quickly on the, like, insurance side of things. So you've\n\nChannel 1: Yep.\n\nChannel 0: got a little bit of life and TPD cover inside Cbus, 208,000 of life, 145 of total disability. It's\n\nChannel 1: Yep.\n\nChannel 0: under a grand in premium, so nice and cheap there. I'm just wondering if you wanted me to do any quotes for anything, if we're just leaving that one as is in terms of insurances.\n\nChannel 1: Yeah. Yeah. No. No. We'll leave it for the time being because I think...\n\nI can't remember who else. I think I was speaking to someone from your side a while ago. I think his name was Kyle or whatever, but we did attempt... Because it's a long story short, right, I had a bit of a situation with my health maybe about... When was it?\n\nThree years ago. I had, like, testicular cancer and all that stuff. And then\n\nChannel 0: Yeah.\n\nChannel 1: because of that, insurances aren't too happy to cover me with certain things. You know what I\n\nChannel 0: Yeah.\n\nChannel 1: mean? So things are gonna be expensive and so on and so forth. So being... This is an existing cover that we thought we'll just leave it as is just in case something does happen because I think the insurances wanted to wait, like, I think it was, like, five years or something like that.\n\nChannel 0: Yeah.\n\nChannel 1: There was a bit there was a bit of a story to it, and he's like, look, in about five years' time, we'll just rereview it and go from there. So I think\n\nChannel 0: Yeah.\n\nChannel 1: that we'll leave it for now. Probably maybe in a couple of years time, we'll we'll look into it. Kind\n\nChannel 0: So\n\nChannel 1: of change\n\nChannel 0: another\n\nChannel 1: it up maybe.\n\nChannel 0: twelve, twenty four months.\n\nChannel 1: Sorry?\n\nChannel 0: So about another twelve, twenty four months\n\nChannel 1: Yeah.\n\nChannel 0: probably\n\nChannel 1: Yeah.\n\nChannel 0: be\n\nChannel 1: Yeah.\n\nChannel 0: the right\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nAnother twelve, twenty four months kinda thing. We'll we'll rereview it or something like that and see what happens.\n\nChannel 0: Cool. So no income protection, no trauma, leave the life in TPD as is. Just while I'm on the topic, so you've got a bit over a $100 in the super now.\n\nChannel 1: Yeah.\n\nChannel 0: If those scenarios do happen, obviously, you get a couple $100 from the insurer, $100 from the super. That'll pay off about half of the mortgage that we had on file.\n\nChannel 1: Mhmm.\n\nChannel 0: Just wondering if that's changed much from 617,000 that we have listed.\n\nChannel 1: Yeah. Yeah. So now we've moved to Hammondville, so we sold that place that had\n\nChannel 0: Yep.\n\nChannel 1: that 617,000 mortgage. Now, obviously, we've started again. So it's... I think our mortgage is around the 900\n\nChannel 0: Yep.\n\nChannel 1: thousand, I think, at the moment. I know it's... Obviously, it's not gonna cover if something does happen as much being as a high... High mortgage now. But, yeah, that's the Hammondville property.\n\nI know that we just\n\nChannel 0: Yeah.\n\nChannel 1: jumped into.\n\nChannel 0: And is that... That's about 1.1 mil, would you say, for the new one?\n\nChannel 1: Yeah. Yeah. Yeah. So it was sold for 1.16, I think it was. But...\n\nYeah. Yeah. Then we borrowed or we had 20%, put that down, and, yeah, we borrowed the rest. So it's like... It was about...\n\nI think it was either just under 900 or it was about 900,000\n\nChannel 0: Perfect.\n\nChannel 1: that we borrowed.\n\nChannel 0: I'll I'll put that in some round figures for the time being.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Outside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that.\n\nChannel 1: Yeah. Hey. Yeah. That's still a bit fresh, all that stuff. Because, yeah, we're still living with mom in the meantime because we're kind of renovating the place.\n\nChannel 0: Yes.\n\nChannel 1: And so, hopefully, probably in the next month or so, we'll probably move in and try to get a better handle on it. Yeah. See what the bills are, see what the cash flow is, and kind of adjust. But, yes, kind of hard to determine at this point, to\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: So\n\nChannel 1: honest.\n\nChannel 0: I'll do anything in terms of, like, salary sacrifice to super at this point because, obviously, got a few things going on.\n\nChannel 1: Yeah.\n\nChannel 0: For the\n\nChannel 1: Yeah.\n\nChannel 0: plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time being.\n\nChannel 1: Yeah. Yeah. Okay. Fair enough. Fair\n\nChannel 0: Cool.\n\nChannel 1: enough.\n\nChannel 0: Income wise, are you still working for Minnow\n\nChannel 1: Yes. You know, so... Yeah. Spot\n\nChannel 0: Australia?\n\nChannel 1: on.\n\nChannel 0: Cool. Still doing sort of warranty clerk admin on about a $100?\n\nChannel 1: Yeah. That's correct. Yeah.\n\nChannel 0: Perfect. So no changes there. Outside of the mortgage, just lastly on assets and liabilities, got the one paid off vehicle, which is the Evo. We've got the the Golf, which had a little bit of a loan on. Not sure if you consolidated for the mortgage.\n\nChannel 1: We actually... So a bit of an update on that one, actually. So we sold the Golf, so I don't\n\nChannel 0: Yep.\n\nChannel 1: have the Golf anymore. I kind of I did buy another vehicle. I bought a a Vega. I don't know. One of those electric Chinese vehicles,\n\nChannel 0: Alright.\n\nChannel 1: believe it or not. Yeah. So we got away from petrol for a bit. But... Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. So now I've gotten that. So that was a... I think I put down, like, $20. I think I borrowed a 50...\n\nI think it was $56 loan, I'm pretty sure, to\n\nChannel 0: Yep.\n\nChannel 1: be honest. So... Yeah. So now I've got that. So I don't anymore, and instead I've got this car.\n\nChannel 0: Cool. So the Golf's gone. Is the the Evo gone as well?\n\nChannel 1: No. EVO is still there. That's... I'm too\n\nChannel 0: Yep.\n\nChannel 1: sentimental to get rid of that one.\n\nChannel 0: I'll just put down resale value for the Vega, if that's alright.\n\nChannel 1: Yeah. Yeah. Of course. Yeah. Is that like coming...\n\nWe look up, or is it just off top of my head?\n\nChannel 0: I'll stop your head if you can.\n\nChannel 1: Off the top? Yeah. Yeah. Well, they resale... Or they probably sell that new at 70...\n\nWhat was it, $72?\n\nChannel 0: Yep.\n\nChannel 1: So if I was to sell it now, because it's only done, like, 400 k's on the clock, Probably, I would say $68.70\n\nChannel 0: Yep.\n\nChannel 1: grand.\n\nChannel 0: Easy\n\nChannel 1: Be realistic.\n\nChannel 0: done. And any other assets or liabilities floating around? No million under the mattress there. No\n\nChannel 1: No. No. I wish... Oh, no. Nothing like.\n\nChannel 0: crypto. And the last one I'll check is just have you... Now that you bought the property, do you still have any savings set off to the side?\n\nChannel 1: We do. We do. I've got kind of accounts everywhere at the moment because we tried... I don't know if you heard to this... You know, ING, they have a good interest return kind of thing.\n\nWe we do savings. And obviously, with the cash rate going up, we've kinda tried to take advantage of it. And we put... We opened up three ING accounts and put\n\nChannel 0: Nice.\n\nChannel 1: all our money that we sold from the unit into those. And, obviously, because, you know, ING have a maxed out limit to the interest of, you know, a $100. After that, you get, like, something crap interest rate return. So we\n\nChannel 0: Yep.\n\nChannel 1: kinda opened up three different accounts and shovel their money in there. So I kinda got money all over the place at the moment, so it's hard to say how much exactly I have.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: jeez.\n\nChannel 1: I\n\nChannel 0: What\n\nChannel 1: wanna\n\nChannel 0: would\n\nChannel 1: say...\n\nChannel 0: be a rough... 50, a 100?\n\nChannel 1: Yeah. Well, we... Or this renovation and all that kind of cost us a little bit. I wanna say we probably got around $30 still sitting there\n\nChannel 0: Yeah.\n\nChannel 1: kind of\n\nChannel 0: What about with the renos? Have you got much left to do in terms of\n\nChannel 1: thing. No.\n\nChannel 0: spending\n\nChannel 1: That's\n\nChannel 0: that 30\n\nChannel 1: that's\n\nChannel 0: grand?\n\nChannel 1: that's probably what ate all their money away.\n\nChannel 0: Or Yep.\n\nChannel 1: So... Yeah. Yeah. We... Like, we pretty much done everything.\n\nI'm trying to think what else. Honestly, everything else is done. So we've done a kitchen. We've done... We painted the whole place out.\n\nWe put AC installed that. That. That that cost us every... Like, obviously, majority of it.\n\nChannel 0: Jeez.\n\nChannel 1: Bathrooms, we're we're wanting to renovate, but, obviously, that can be done in the distant future once we save a little bit more money. I'm I'm not gonna completely go, you know, drain all my savings for for this. That's for sure.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: But... Yeah. Yeah. So definitely, I'm not doing anything else with this place. It's all been paid for or done kind of thing.\n\nChannel 0: Perfect. So I guess what\n\nChannel 1: Yeah.\n\nChannel 0: I could say then is in terms of, like, goals is basically move into this place, get a handle on the cash flow, rebuild the savings, and then maybe look at a bit of a bathroom after that, and then just\n\nChannel 1: Yeah.\n\nChannel 0: pay down the mortgage.\n\nChannel 1: Spot on. Spot on. Spot on. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: That's definitely the goal.\n\nChannel 0: Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more... What's your your long term\n\nChannel 1: Well, this, believe it or not, was my kind of my long term. I have to\n\nChannel 0: outlook?\n\nChannel 1: rethink it. Look, definitely, probably stay in this place for another seven to ten years, then kind of rethink, oh, should I move maybe... Because maybe, obviously, I'm a bit further out from family. My family is down close to the coast. So maybe, yeah, sell this place and get a...\n\nGet the equity and buy a place closer to to the fam on the on the on the East Coast there, I guess.\n\nChannel 0: Yes. So do a bit of a lifestyle change in in decade\n\nChannel 1: Yeah.\n\nChannel 0: or so.\n\nChannel 1: Yeah. Yeah. A 100%. You never know. I might love living there and stay there for the rest of my life.\n\nWho knows? But definitely build some equity on this place. We've got on firm goal. Hopefully, you know, with the market and all, hopefully, it flips back up and get from\n\nChannel 0: Yeah.\n\nChannel 1: there, I guess.\n\nChannel 0: My my hope is that the interest rates start to tumble back down again for the next few years, and you can get\n\nChannel 1: Yeah.\n\nChannel 0: some some extra cash flow saved because the... Look. There's talk of it maybe going up another couple of percent with\n\nChannel 1: Yeah.\n\nChannel 0: all the\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: government spending\n\nChannel 1: Exactly.\n\nChannel 0: AI\n\nChannel 1: Right.\n\nChannel 0: rollout. If things pop, I'm hoping they drop it right back down, and you've got a good good five years to smash it out.\n\nChannel 1: Yeah. Yeah. But... Yeah. Yeah.\n\nSo see what happens, I guess. A bit unpredictable at this point.\n\nChannel 0: Yeah. Last thing I'll double check with you is\n\nChannel 1: Yep.\n\nChannel 0: just in terms of estate planning. I don't have a beneficiary on the super at this point. I don't know if you've tried to go through the forms before.\n\nChannel 1: I remember ages ago, yeah, talking about something like this. And I think they were supposed to send something else, but I I I don't think I've ever received anything. Is\n\nChannel 0: Cool.\n\nChannel 1: there any chance... Can you can you send something back out or whatever to the new address and kind of fill out what I have to fill out and definitely put someone down. I'll put my wife, obviously, kind of thing.\n\nChannel 0: Yep. So\n\nChannel 1: But...\n\nChannel 0: for... We'll send her off to Hammondville.\n\nChannel 1: Yeah. Yeah. I reckon. Because we're there kind of every week not by on on Mondays to bring in the bin. But...\n\nYeah. Because we're the ones that are doing all the renovating pretty much.\n\nChannel 0: Yeah. Alright. So\n\nChannel 1: So...\n\nChannel 0: what I'll do\n\nChannel 1: Mhmm.\n\nChannel 0: is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination. And\n\nChannel 1: Yep.\n\nChannel 0: what you're basically looking for is two things. You can either make it legally binding, Superfund has to do it, or nonbinding, which is a bit silly like the Superfund has discretion.\n\nChannel 1: Yep.\n\nChannel 0: And you can choose if it expires every three years or it's continuous until you change it. If you\n\nChannel 1: Yep.\n\nChannel 0: just want a standard legally binding, non lapsing nomination, there would just be a box for not passing binding. And then you just put a\n\nChannel 1: Yeah.\n\nChannel 0: 100\n\nChannel 1: Cool.\n\nChannel 0: percent spouse, date of birth, address, get it witnessed by two people on the same day that aren't your spouse, and\n\nChannel 1: Yep.\n\nChannel 0: then flick that back.\n\nChannel 1: Okay. Beautiful. No problem at all.\n\nChannel 0: Cool.\n\nChannel 1: Can do.\n\nChannel 0: Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we\n\nChannel 1: Yep.\n\nChannel 0: can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go.\n\nChannel 1: Alright. Done. Yeah. Sounds easy.\n\nChannel 0: Awesome. I'll leave that pack with you today. So just to let you know as well, there's no changes to the fees for you with Oakview at this point, but the new service guide has a tiered structure that we've just brought in. So when you get above 200,000, it'll\n\nChannel 1: Yep.\n\nChannel 0: drop from 1.65% to 1.37. And then when\n\nChannel 1: Okay.\n\nChannel 0: you get above 500,000, it drops again. So we've just added in some discounts for down the line.\n\nChannel 1: Yeah. Fair enough. Fair enough. Not a problem.\n\nChannel 0: Cool.\n\nChannel 1: Not a problem.\n\nChannel 0: Any questions for me, Anthony, before I let you go?\n\nChannel 1: No. No. It's been pretty straightforward, to be honest with me. So it's all good, man. Yeah.\n\nChannel 0: Easy done, mate. Have a fantastic weekend, and I'll talk to you in a few\n\nChannel 1: Done. Easy as.\n\nChannel 0: weeks.\n\nChannel 1: Cheers.\n\nChannel 0: Alright, mate. See you later.\n\nChannel 1: Take care, mate. Bye. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Anthony","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.04064426198601723}],"sentiment":"neutral","sentiment_score":0.04064426198601723,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Good afternoon, Anthony.","start":3.84,"end":4.96,"sentiment":"neutral","sentiment_score":0.18908991913000742},{"text":"It's Tommy here, senior adviser from.","start":4.96,"end":6.98,"sentiment":"neutral","sentiment_score":0.13525931040445963},{"text":"How are you 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you.","start":11.04,"end":12.42,"sentiment":"positive","sentiment_score":0.6449526399374008}],"sentiment":"positive","sentiment_score":0.6482903020722526,"channel":0,"num_words":7,"start":10.24,"end":12.42},{"sentences":[{"text":"Yeah.","start":12.955,"end":13.275,"sentiment":"neutral","sentiment_score":0.26549920439720154},{"text":"That's it.","start":13.275,"end":13.755,"sentiment":"neutral","sentiment_score":0.2362421527504921},{"text":"That's it.","start":13.755,"end":14.315,"sentiment":"neutral","sentiment_score":0.1968332603573799},{"text":"Oh, yeah.","start":14.315,"end":14.635,"sentiment":"neutral","sentiment_score":0.23329518735408783},{"text":"I know.","start":14.635,"end":14.875,"sentiment":"neutral","sentiment_score":0.1877293586730957}],"sentiment":"neutral","sentiment_score":0.2192999025185903,"channel":1,"num_words":9,"start":12.955,"end":14.875},{"sentences":[{"text":"I told him that long weekend for us, Danny.","start":14.875,"end":17.055,"sentiment":"neutral","sentiment_score":0.215111396378941},{"text":"So that's","start":17.515,"end":18.175,"sentiment":"neutral","sentiment_score":0.2824695259332657}],"sentiment":"neutral","sentiment_score":0.22735832902518185,"channel":1,"num_words":11,"start":14.875,"end":18.175},{"sentences":[{"text":"Yep.","start":18.115,"end":18.615,"sentiment":"positive","sentiment_score":0.3849530816078186}],"sentiment":"positive","sentiment_score":0.3849530816078186,"channel":0,"num_words":1,"start":18.115,"end":18.615},{"sentences":[{"text":"that's exciting times.","start":18.235,"end":19.535,"sentiment":"positive","sentiment_score":0.6097333828608195},{"text":"Do you guys 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it.","start":25.33,"end":25.970001,"sentiment":"neutral","sentiment_score":0.23225657641887665},{"text":"That's it.","start":25.970001,"end":26.45,"sentiment":"neutral","sentiment_score":0.23280659317970276},{"text":"Good man.","start":26.45,"end":27.01,"sentiment":"positive","sentiment_score":0.4336719214916229},{"text":"Good man.","start":27.01,"end":27.75,"sentiment":"positive","sentiment_score":0.3975873291492462}],"sentiment":"neutral","sentiment_score":0.3161022663116455,"channel":1,"num_words":9,"start":25.01,"end":27.75},{"sentences":[{"text":"I've got you booked in for a bit of an annual review there.","start":28.49,"end":31.37,"sentiment":"neutral","sentiment_score":0.19875068618701056},{"text":"Just wondering if I'm gonna send out a bit of a pack to you.","start":31.37,"end":35.45,"sentiment":"neutral","sentiment_score":0.1064810933811324},{"text":"Will you be","start":35.45,"end":36.010002,"sentiment":"neutral","sentiment_score":0.04813280515372753}],"sentiment":"neutral","sentiment_score":0.14062975477427245,"channel":0,"num_words":30,"start":28.49,"end":36.010002},{"sentences":[{"text":"Yep.","start":35.97,"end":36.47,"sentiment":"neutral","sentiment_score":0.05476013943552971}],"sentiment":"neutral","sentiment_score":0.05476013943552971,"channel":1,"num_words":1,"start":35.97,"end":36.47},{"sentences":[{"text":"able to look on to the email with me, or should I just give you a bit of a walk through what I'm sending?","start":36.010002,"end":40.03,"sentiment":"neutral","sentiment_score":0.06466032083456714}],"sentiment":"neutral","sentiment_score":0.06466032083456714,"channel":0,"num_words":24,"start":36.010002,"end":40.03},{"sentences":[{"text":"I can go either way either way, whatever.","start":41.155003,"end":43.175003,"sentiment":"neutral","sentiment_score":0.0359417840372771},{"text":"If you want, you can just flick it to me, and I can have a look, have a read through.","start":43.315002,"end":47.155,"sentiment":"neutral","sentiment_score":0.052033235970884564},{"text":"What is it like...","start":47.155,"end":48.215,"sentiment":"neutral","sentiment_score":0.00016082229558378458},{"text":"What what kind of pack is it?","start":48.275,"end":49.975002,"sentiment":"neutral","sentiment_score":0.00019211747816630796}],"sentiment":"neutral","sentiment_score":0.03410736162167711,"channel":1,"num_words":39,"start":41.155003,"end":49.975002},{"sentences":[{"text":"So it basically has a summary of, like, your super and insurance performance, your certificates of currency for 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service guides with us","start":59.010002,"end":61.11,"sentiment":"neutral","sentiment_score":0.09072909504175186}],"sentiment":"neutral","sentiment_score":0.09072909504175186,"channel":0,"num_words":5,"start":59.010002,"end":61.11},{"sentences":[{"text":"Yep.","start":61.53,"end":62.03,"sentiment":"neutral","sentiment_score":0.08179271221160889}],"sentiment":"neutral","sentiment_score":0.08179271221160889,"channel":1,"num_words":1,"start":61.53,"end":62.03},{"sentences":[{"text":"and some consent forms as 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I could just quickly do security with you, can I grab that address?","start":75.424995,"end":78.965,"sentiment":"neutral","sentiment_score":0.04849832771079881},{"text":"And it has been updated, but I'll just grab that from you and","start":79.31,"end":82.189995,"sentiment":"neutral","sentiment_score":0.04900189087941097}],"sentiment":"neutral","sentiment_score":0.0487407840512417,"channel":0,"num_words":27,"start":75.424995,"end":82.189995},{"sentences":[{"text":"Yeah.","start":82.16,"end":82.66,"sentiment":"neutral","sentiment_score":0.03272806107997894}],"sentiment":"neutral","sentiment_score":0.03272806107997894,"channel":1,"num_words":1,"start":82.16,"end":82.66},{"sentences":[{"text":"your date of 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900","start":652.88,"end":655.7,"sentiment":"neutral","sentiment_score":-0.05005080020055175}],"sentiment":"neutral","sentiment_score":-0.038987118233409196,"channel":1,"num_words":18,"start":646.24005,"end":655.7},{"sentences":[{"text":"Yep.","start":656.485,"end":656.985,"sentiment":"neutral","sentiment_score":-0.033787887543439865}],"sentiment":"neutral","sentiment_score":-0.033787887543439865,"channel":0,"num_words":1,"start":656.485,"end":656.985},{"sentences":[{"text":"thousand, I think, at the moment.","start":656.85504,"end":658.955,"sentiment":"neutral","sentiment_score":-0.05937696744998296},{"text":"I know it's...","start":659.575,"end":660.215,"sentiment":"neutral","sentiment_score":-0.05640823890765508},{"text":"Obviously, it's not gonna cover if something does happen as much being as a high...","start":660.215,"end":666.61505,"sentiment":"neutral","sentiment_score":-0.17934567034244536},{"text":"High mortgage now.","start":666.61505,"end":667.655,"sentiment":"neutral","sentiment_score":-0.16098058223724365},{"text":"But, yeah, that's the Hammondville property.","start":667.655,"end":669.67505,"sentiment":"neutral","sentiment_score":-0.0035819878491262593}],"sentiment":"neutral","sentiment_score":-0.112730462132304,"channel":1,"num_words":33,"start":656.85504,"end":669.67505},{"sentences":[{"text":"I know that we just","start":669.73505,"end":670.875,"sentiment":"neutral","sentiment_score":-0.005545050650835037}],"sentiment":"neutral","sentiment_score":-0.005545050650835037,"channel":1,"num_words":5,"start":669.73505,"end":670.875},{"sentences":[{"text":"Yeah.","start":671.0,"end":671.5,"sentiment":"neutral","sentiment_score":-0.007798326201736927}],"sentiment":"neutral","sentiment_score":-0.007798326201736927,"channel":0,"num_words":1,"start":671.0,"end":671.5},{"sentences":[{"text":"jumped into.","start":671.17505,"end":671.91504,"sentiment":"neutral","sentiment_score":-0.004976282827556133}],"sentiment":"neutral","sentiment_score":-0.004976282827556133,"channel":1,"num_words":2,"start":671.17505,"end":671.91504},{"sentences":[{"text":"And is that...","start":672.68,"end":673.48,"sentiment":"neutral","sentiment_score":-0.007289205522586902},{"text":"That's about 1.1 mil, would you say, for the new one?","start":673.48,"end":676.90497,"sentiment":"neutral","sentiment_score":-0.01717801798473705}],"sentiment":"neutral","sentiment_score":-0.015058986742847733,"channel":0,"num_words":14,"start":672.68,"end":676.90497},{"sentences":[{"text":"Yeah.","start":677.24,"end":677.48,"sentiment":"neutral","sentiment_score":0.01972836442291737},{"text":"Yeah.","start":677.48,"end":677.63995,"sentiment":"neutral","sentiment_score":0.024528127163648605},{"text":"Yeah.","start":677.63995,"end":677.95996,"sentiment":"neutral","sentiment_score":0.02273571491241455},{"text":"So it was sold for 1.16, I think it was.","start":677.95996,"end":682.62,"sentiment":"neutral","sentiment_score":0.017377974558621646},{"text":"But...","start":683.72,"end":683.95996,"sentiment":"neutral","sentiment_score":-0.0012253765016794205}],"sentiment":"neutral","sentiment_score":0.01711046968453697,"channel":1,"num_words":14,"start":677.24,"end":683.95996},{"sentences":[{"text":"Yeah.","start":683.95996,"end":684.19995,"sentiment":"neutral","sentiment_score":0.013415001332759855},{"text":"Yeah.","start":684.19995,"end":684.51996,"sentiment":"neutral","sentiment_score":0.014960993081331251},{"text":"Then we borrowed or we had 20%, put that down, and, yeah, we borrowed the rest.","start":684.51996,"end":690.255,"sentiment":"neutral","sentiment_score":0.022556014358997345},{"text":"So it's like...","start":690.315,"end":690.875,"sentiment":"neutral","sentiment_score":0.0076896824563543005},{"text":"It was about...","start":690.875,"end":691.515,"sentiment":"neutral","sentiment_score":0.009343566993872324}],"sentiment":"neutral","sentiment_score":0.01834883218786369,"channel":1,"num_words":24,"start":683.95996,"end":691.515},{"sentences":[{"text":"I think it was either just under 900 or it was about 900,000","start":691.515,"end":695.695,"sentiment":"neutral","sentiment_score":0.026408087892028}],"sentiment":"neutral","sentiment_score":0.026408087892028,"channel":1,"num_words":13,"start":691.515,"end":695.695},{"sentences":[{"text":"Perfect.","start":696.5,"end":697.0,"sentiment":"positive","sentiment_score":0.41346514225006104}],"sentiment":"positive","sentiment_score":0.41346514225006104,"channel":0,"num_words":1,"start":696.5,"end":697.0},{"sentences":[{"text":"that we borrowed.","start":696.635,"end":697.455,"sentiment":"neutral","sentiment_score":0.18624072770277658}],"sentiment":"neutral","sentiment_score":0.18624072770277658,"channel":1,"num_words":3,"start":696.635,"end":697.455},{"sentences":[{"text":"I'll I'll put that in some round figures for the time being.","start":697.38,"end":700.665,"sentiment":"neutral","sentiment_score":0.10677988268435001}],"sentiment":"neutral","sentiment_score":0.10677988268435001,"channel":0,"num_words":12,"start":697.38,"end":700.665},{"sentences":[{"text":"Yeah.","start":700.95,"end":701.19,"sentiment":"neutral","sentiment_score":0.04178556054830551},{"text":"Yeah.","start":701.19,"end":701.69,"sentiment":"neutral","sentiment_score":0.014515452086925508}],"sentiment":"neutral","sentiment_score":0.02815050631761551,"channel":1,"num_words":2,"start":700.95,"end":701.69},{"sentences":[{"text":"Outside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that.","start":702.345,"end":713.40497,"sentiment":"neutral","sentiment_score":-0.09728729347811967}],"sentiment":"neutral","sentiment_score":-0.09728729347811967,"channel":0,"num_words":41,"start":702.345,"end":713.40497},{"sentences":[{"text":"Yeah.","start":713.645,"end":713.885,"sentiment":"neutral","sentiment_score":0.013178924098610878},{"text":"Hey.","start":713.885,"end":714.125,"sentiment":"neutral","sentiment_score":0.008747946470975876},{"text":"Yeah.","start":714.125,"end":714.28503,"sentiment":"neutral","sentiment_score":-0.018530160188674927},{"text":"That's still a bit fresh, all that stuff.","start":714.28503,"end":716.205,"sentiment":"neutral","sentiment_score":-0.00945494370535016},{"text":"Because, yeah, we're still living with mom in the meantime because we're kind of renovating the 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do anything in terms of, like, salary sacrifice to super at this point because, obviously, got a few things going on.","start":736.055,"end":743.76,"sentiment":"neutral","sentiment_score":-0.15286632153120908}],"sentiment":"neutral","sentiment_score":-0.15286632153120908,"channel":0,"num_words":22,"start":736.055,"end":743.76},{"sentences":[{"text":"Yeah.","start":744.095,"end":744.57495,"sentiment":"neutral","sentiment_score":0.006039723753929138}],"sentiment":"neutral","sentiment_score":0.006039723753929138,"channel":1,"num_words":1,"start":744.095,"end":744.57495},{"sentences":[{"text":"For the","start":744.22003,"end":744.62,"sentiment":"neutral","sentiment_score":0.014920104295015335}],"sentiment":"neutral","sentiment_score":0.014920104295015335,"channel":0,"num_words":2,"start":744.22003,"end":744.62},{"sentences":[{"text":"Yeah.","start":744.57495,"end":745.07495,"sentiment":"neutral","sentiment_score":0.06941275298595428}],"sentiment":"neutral","sentiment_score":0.06941275298595428,"channel":1,"num_words":1,"start":744.57495,"end":745.07495},{"sentences":[{"text":"plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time 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probably sell that new at 70...","start":848.78503,"end":851.365,"sentiment":"neutral","sentiment_score":0.007281420519575477}],"sentiment":"neutral","sentiment_score":0.00764911127043888,"channel":1,"num_words":16,"start":845.66504,"end":851.365},{"sentences":[{"text":"What was it, $72?","start":851.745,"end":853.60504,"sentiment":"neutral","sentiment_score":0.0033929385244846344}],"sentiment":"neutral","sentiment_score":0.0033929385244846344,"channel":1,"num_words":4,"start":851.745,"end":853.60504},{"sentences":[{"text":"Yep.","start":854.04,"end":854.54,"sentiment":"neutral","sentiment_score":0.043894171714782715}],"sentiment":"neutral","sentiment_score":0.043894171714782715,"channel":0,"num_words":1,"start":854.04,"end":854.54},{"sentences":[{"text":"So if I was to sell it now, because it's only done, like, 400 k's on the clock, Probably, I would say 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address, get it witnessed by two people on the same day that aren't your spouse, and","start":1191.395,"end":1197.81,"sentiment":"neutral","sentiment_score":0.11539237201213837}],"sentiment":"neutral","sentiment_score":0.11539237201213837,"channel":0,"num_words":21,"start":1191.395,"end":1197.81},{"sentences":[{"text":"Yep.","start":1197.645,"end":1198.145,"sentiment":"neutral","sentiment_score":0.06369730830192566}],"sentiment":"neutral","sentiment_score":0.06369730830192566,"channel":1,"num_words":1,"start":1197.645,"end":1198.145},{"sentences":[{"text":"then flick that back.","start":1198.27,"end":1199.3301,"sentiment":"neutral","sentiment_score":0.07081749849021435}],"sentiment":"neutral","sentiment_score":0.07081749849021435,"channel":0,"num_words":4,"start":1198.27,"end":1199.3301},{"sentences":[{"text":"Okay.","start":1199.885,"end":1200.365,"sentiment":"neutral","sentiment_score":0.28091108798980713},{"text":"Beautiful.","start":1200.365,"end":1200.865,"sentiment":"positive","sentiment_score":0.6191551685333252},{"text":"No problem at all.","start":1200.9249,"end":1202.145,"sentiment":"positive","sentiment_score":0.5149731040000916}],"sentiment":"positive","sentiment_score":0.49332644542058307,"channel":1,"num_words":6,"start":1199.885,"end":1202.145},{"sentences":[{"text":"Cool.","start":1202.1901,"end":1202.6901,"sentiment":"positive","sentiment_score":0.6237263679504395}],"sentiment":"positive","sentiment_score":0.6237263679504395,"channel":0,"num_words":1,"start":1202.1901,"end":1202.6901},{"sentences":[{"text":"Can do.","start":1202.605,"end":1203.345,"sentiment":"positive","sentiment_score":0.4716890752315521}],"sentiment":"positive","sentiment_score":0.4716890752315521,"channel":1,"num_words":2,"start":1202.605,"end":1203.345},{"sentences":[{"text":"Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we","start":1203.0701,"end":1211.845,"sentiment":"neutral","sentiment_score":0.22768507446303513}],"sentiment":"neutral","sentiment_score":0.22768507446303513,"channel":0,"num_words":33,"start":1203.0701,"end":1211.845},{"sentences":[{"text":"Yep.","start":1211.84,"end":1212.34,"sentiment":"neutral","sentiment_score":0.2387603372335434}],"sentiment":"neutral","sentiment_score":0.2387603372335434,"channel":1,"num_words":1,"start":1211.84,"end":1212.34},{"sentences":[{"text":"can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go.","start":1211.845,"end":1217.7849,"sentiment":"neutral","sentiment_score":0.30298325632299694}],"sentiment":"neutral","sentiment_score":0.30298325632299694,"channel":0,"num_words":21,"start":1211.845,"end":1217.7849},{"sentences":[{"text":"Alright.","start":1218.035,"end":1218.355,"sentiment":"neutral","sentiment_score":0.22598284482955933},{"text":"Done.","start":1218.355,"end":1218.515,"sentiment":"neutral","sentiment_score":0.286825954914093},{"text":"Yeah.","start":1218.515,"end":1218.915,"sentiment":"positive","sentiment_score":0.35312095284461975},{"text":"Sounds easy.","start":1218.915,"end":1219.735,"sentiment":"positive","sentiment_score":0.5822828114032745}],"sentiment":"positive","sentiment_score":0.40609907507896426,"channel":1,"num_words":5,"start":1218.035,"end":1219.735},{"sentences":[{"text":"Awesome.","start":1220.245,"end":1220.6449,"sentiment":"positive","sentiment_score":0.691312313079834},{"text":"I'll leave that pack with you today.","start":1220.6449,"end":1222.325,"sentiment":"positive","sentiment_score":0.4234642854758671},{"text":"So just to let you know as well, there's no changes to the fees for you with Oakview at this point, but the new service guide has a tiered structure that we've just brought in.","start":1222.325,"end":1234.64,"sentiment":"neutral","sentiment_score":0.1411137934241976},{"text":"So when you get above 200,000, it'll","start":1234.7001,"end":1238.265,"sentiment":"neutral","sentiment_score":0.12479344116789955}],"sentiment":"neutral","sentiment_score":0.18936198338866234,"channel":0,"num_words":50,"start":1220.245,"end":1238.265},{"sentences":[{"text":"Yep.","start":1238.1499,"end":1238.6499,"sentiment":"neutral","sentiment_score":0.11298608034849168}],"sentiment":"neutral","sentiment_score":0.11298608034849168,"channel":1,"num_words":1,"start":1238.1499,"end":1238.6499},{"sentences":[{"text":"drop from 1.65% to 1.37.","start":1238.265,"end":1241.785,"sentiment":"neutral","sentiment_score":0.08340687900781632},{"text":"And then when","start":1241.785,"end":1242.3451,"sentiment":"neutral","sentiment_score":0.05449192225933075}],"sentiment":"neutral","sentiment_score":0.07256377022713423,"channel":0,"num_words":8,"start":1238.265,"end":1242.3451},{"sentences":[{"text":"Okay.","start":1242.195,"end":1242.695,"sentiment":"neutral","sentiment_score":0.06013287976384163}],"sentiment":"neutral","sentiment_score":0.06013287976384163,"channel":1,"num_words":1,"start":1242.195,"end":1242.695},{"sentences":[{"text":"you get above 500,000, it drops again.","start":1242.3451,"end":1244.505,"sentiment":"neutral","sentiment_score":0.07352641171642713},{"text":"So we've just added in some discounts for down the line.","start":1244.505,"end":1247.405,"sentiment":"neutral","sentiment_score":0.140390353446657}],"sentiment":"neutral","sentiment_score":0.1143877094404565,"channel":0,"num_words":18,"start":1242.3451,"end":1247.405},{"sentences":[{"text":"Yeah.","start":1247.475,"end":1247.7949,"sentiment":"neutral","sentiment_score":0.12461007386446},{"text":"Fair enough.","start":1247.7949,"end":1248.355,"sentiment":"neutral","sentiment_score":0.15967830270528793},{"text":"Fair enough.","start":1248.355,"end":1249.075,"sentiment":"neutral","sentiment_score":0.17338385432958603},{"text":"Not a problem.","start":1249.075,"end":1249.815,"sentiment":"positive","sentiment_score":0.3370378613471985}],"sentiment":"neutral","sentiment_score":0.22523099649697542,"channel":1,"num_words":8,"start":1247.475,"end":1249.815},{"sentences":[{"text":"Cool.","start":1250.185,"end":1250.685,"sentiment":"positive","sentiment_score":0.393068253993988}],"sentiment":"positive","sentiment_score":0.393068253993988,"channel":0,"num_words":1,"start":1250.185,"end":1250.685},{"sentences":[{"text":"Not a problem.","start":1250.195,"end":1251.015,"sentiment":"neutral","sentiment_score":0.2569038023551305}],"sentiment":"neutral","sentiment_score":0.2569038023551305,"channel":1,"num_words":3,"start":1250.195,"end":1251.015},{"sentences":[{"text":"Any questions for me, Anthony, before I let you go?","start":1251.4199,"end":1254.0,"sentiment":"neutral","sentiment_score":0.10423391833901405}],"sentiment":"neutral","sentiment_score":0.10423391833901405,"channel":0,"num_words":10,"start":1251.4199,"end":1254.0},{"sentences":[{"text":"No.","start":1254.37,"end":1254.61,"sentiment":"neutral","sentiment_score":0.06402760744094849},{"text":"No.","start":1254.61,"end":1254.85,"sentiment":"neutral","sentiment_score":0.09688249230384828},{"text":"It's been pretty straightforward, to be honest with me.","start":1254.85,"end":1257.01,"sentiment":"neutral","sentiment_score":0.3198576072851817},{"text":"So it's all good, man.","start":1257.01,"end":1258.13,"sentiment":"positive","sentiment_score":0.5774102807044983},{"text":"Yeah.","start":1258.13,"end":1258.63,"sentiment":"positive","sentiment_score":0.4001380205154419}],"sentiment":"positive","sentiment_score":0.3721657640793744,"channel":1,"num_words":17,"start":1254.37,"end":1258.63},{"sentences":[{"text":"Easy done, mate.","start":1259.1799,"end":1259.98,"sentiment":"positive","sentiment_score":0.5234731137752533},{"text":"Have a fantastic weekend, and I'll talk to you in a few","start":1259.98,"end":1262.7628,"sentiment":"positive","sentiment_score":0.7156147609154383}],"sentiment":"positive","sentiment_score":0.6771864314874013,"channel":0,"num_words":15,"start":1259.1799,"end":1262.7628},{"sentences":[{"text":"Done.","start":1263.283,"end":1263.783,"sentiment":"positive","sentiment_score":0.5850109457969666},{"text":"Easy as.","start":1263.9229,"end":1264.643,"sentiment":"positive","sentiment_score":0.3744165748357773}],"sentiment":"positive","sentiment_score":0.444614698489507,"channel":1,"num_words":3,"start":1263.283,"end":1264.643},{"sentences":[{"text":"weeks.","start":1264.4429,"end":1264.9429,"sentiment":"positive","sentiment_score":0.3903175890445709}],"sentiment":"positive","sentiment_score":0.3903175890445709,"channel":0,"num_words":1,"start":1264.4429,"end":1264.9429},{"sentences":[{"text":"Cheers.","start":1264.643,"end":1265.143,"sentiment":"positive","sentiment_score":0.577910840511322}],"sentiment":"positive","sentiment_score":0.577910840511322,"channel":1,"num_words":1,"start":1264.643,"end":1265.143},{"sentences":[{"text":"Alright, mate.","start":1265.7228,"end":1266.2028,"sentiment":"positive","sentiment_score":0.36291103065013885},{"text":"See you later.","start":1266.2028,"end":1266.9429,"sentiment":"positive","sentiment_score":0.39155826965967816}],"sentiment":"positive","sentiment_score":0.3800993740558624,"channel":0,"num_words":5,"start":1265.7228,"end":1266.9429},{"sentences":[{"text":"Take care, mate.","start":1267.0428,"end":1267.763,"sentiment":"neutral","sentiment_score":0.3159632980823517},{"text":"Bye.","start":1267.763,"end":1268.0029,"sentiment":"neutral","sentiment_score":0.17149949073791504},{"text":"Bye bye.","start":1268.0029,"end":1268.6628,"sentiment":"neutral","sentiment_score":0.11148220300674438}],"sentiment":"neutral","sentiment_score":0.22372563183307648,"channel":1,"num_words":6,"start":1267.0428,"end":1268.6628},{"sentences":[{"text":"Bye.","start":1268.2828,"end":1268.7828,"sentiment":"neutral","sentiment_score":-0.12598006427288055}],"sentiment":"neutral","sentiment_score":-0.12598006427288055,"channel":0,"num_words":1,"start":1268.2828,"end":1268.7828}]},"summary":{"result":"success","short":"A senior adviser from a company called Senior Care discusses Danny's annual review and sends a package to a new customer, Danny, who is a new customer. They also discuss risk profiles and recent market drops, as well as new research from the old Seazik. The speaker suggests updating the portfolio and adjusting investments, as well as a low fee investment plan. They also discuss insurance coverage and the possibility of leaving a certain retirement plan if health conditions cause it to be expensive. The speaker mentions their plans to renovate a property and possibly move into a new place, as well as estate planning and rethinking their long term plans. They end the conversation with their plans to leave the current pack and say goodbye."},"intents":{"segments":[{"text":"I've got you booked in for a bit of an annual review there. Just wondering if I'm gonna send out a bit of a pack to you. Will you be Yep.","start_word":87,"end_word":117,"intents":[{"intent":"Schedule review","confidence_score":0.0012149249}]},{"text":"So it basically has a summary of, like, your super and insurance performance, your certificates of currency for insurance, Oh, and that's then, cool. Yep. basically, service guides with us Yep. and some consent forms as well. Yeah. Cool.","start_word":181,"end_word":219,"intents":[{"intent":"Provide information","confidence_score":0.023318198}]},{"text":"So my address is 42 A Stuart Avenue, Hammondville.","start_word":292,"end_word":300,"intents":[{"intent":"Provide address","confidence_score":0.02601466}]},{"text":"Outside of that, is there anything in particular you're hoping to get out of tip review? Not really, man.","start_word":394,"end_word":412,"intents":[{"intent":"Review super system and share data","confidence_score":1.6358547e-7}]},{"text":"Overall, over that three, three and a half year period, we're still clearing just under 11% after fees, which for Yeah. your risk profile, you're kind of aiming for nine and above. Yeah.","start_word":646,"end_word":678,"intents":[{"intent":"Address risk levels","confidence_score":0.009542278}]},{"text":"A couple of things that I do kind of wanna sort. Firstly, I'll just quickly touch on the risk level for a minute. Mhmm.","start_word":687,"end_word":710,"intents":[{"intent":"Assess risk level","confidence_score":0.05859566}]},{"text":"So basically, 80% in shares property and gold, 20% in the safer side of things. I probably wouldn't advise going high growth right this minute considering market could crash this year or in the new year.","start_word":748,"end_word":783,"intents":[{"intent":"Discuss downsides","confidence_score":0.0020542315}]},{"text":"That recession and all that at the moment, I kind of with Australia and... Yeah.","start_word":798,"end_word":812,"intents":[{"intent":"Evaluate impact of recession on portfolio","confidence_score":0.000120286866}]},{"text":"They're getting $400 to build a data center. Yeah.","start_word":870,"end_word":878,"intents":[{"intent":"Discuss data center investments","confidence_score":0.0005358543}]},{"text":"Okay.","start_word":950,"end_word":950,"intents":[{"intent":"Update portfolio","confidence_score":0.07414797}]},{"text":"I wanna put together just an updated plan for you where maybe we do a small rollover across, and Yep. I can tweak a couple of the investments as well. Yeah.","start_word":1021,"end_word":1051,"intents":[{"intent":"Offer plan upgrade","confidence_score":0.00012819962},{"intent":"Update investment plan","confidence_score":0.0067837117}]},{"text":"There is, like, a term deposit for your safe assets that's being... I guess, it's had some good growth for a term deposit, but it's being phased out by the government, so I need to update that Mhmm. one. Okay.","start_word":1082,"end_word":1121,"intents":[{"intent":"Discuss term deposit","confidence_score":0.19614759}]},{"text":"There is a Benelon option that's gone down. It's the only negative one. It's kind of, I guess, going down faster than the Australian market is, So I wanna kind of switch that one out as well. Okay.","start_word":1168,"end_word":1205,"intents":[{"intent":"Switch investment options","confidence_score":0.16473557}]},{"text":"And I'm just wondering where your gut leans between the two.","start_word":1279,"end_word":1289,"intents":[{"intent":"Ask about gut positions","confidence_score":0.007920886}]},{"text":"for example, your... The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in Yep.","start_word":1392,"end_word":1413,"intents":[{"intent":"Replace benelon","confidence_score":0.12860198}]},{"text":"for example, your... The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in Yep. Australia, Yep.","start_word":1392,"end_word":1415,"intents":[{"intent":"Discuss buckingham vs benelon","confidence_score":0.000003896989}]},{"text":"The the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it. Yeah.","start_word":1426,"end_word":1452,"intents":[{"intent":"Discuss lowering fees","confidence_score":0.051020112}]},{"text":"The the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it. Yeah. Yeah.","start_word":1426,"end_word":1453,"intents":[{"intent":"Adjust fees","confidence_score":0.013460488}]},{"text":"The the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it. Yeah. Yeah. I guess Yeah. the fees down about 80%. So we can kind of change the style back to a bit more of a lower fee passive approach, A Okay.","start_word":1426,"end_word":1482,"intents":[{"intent":"Discuss switching to low fee approach","confidence_score":0.020938443},{"intent":"Change fee style","confidence_score":0.015784435},{"intent":"Discuss low fee approach","confidence_score":0.005682003},{"intent":"Discuss switching to low fee approach","confidence_score":0.0036183028},{"intent":"Move to low fee approach","confidence_score":0.07161517}]},{"text":"the fees down about 80%. So we can kind of change the style back to a bit more of a lower fee passive approach, A Okay.","start_word":1457,"end_word":1482,"intents":[{"intent":"Change strategy","confidence_score":0.06253534}]},{"text":"It's the same thing with Yeah. the risk level. We can move Yeah. you Yeah. up and down in how much growth assets you've got. And then for Yep. the fund managers, that's why we do the reviews to kind of switch them out as we need. Okay.","start_word":1573,"end_word":1620,"intents":[{"intent":"Review buck review strategies","confidence_score":5.718746e-10}]},{"text":"I'll put together an updated plan just to some comparisons and updated comparisons, all the funds of, you know, updated investments and fees and whatnot. And Yep.","start_word":1649,"end_word":1675,"intents":[{"intent":"Update plan","confidence_score":0.36138085},{"intent":"Provide updates","confidence_score":0.009823154}]},{"text":"I'm just wondering if you wanted me to do any quotes for anything, if we're just leaving that one as is in terms of insurances. Yeah.","start_word":1748,"end_word":1773,"intents":[{"intent":"Arrange insurance quote","confidence_score":0.000066775705}]},{"text":"Another twelve, twenty four months kinda thing. We'll we'll rereview it or something like that and see what happens. Cool.","start_word":2015,"end_word":2034,"intents":[{"intent":"Rereview and review super","confidence_score":0.057083055}]},{"text":"Just wondering if that's changed much from 617,000 that we have listed. Yeah.","start_word":2099,"end_word":2111,"intents":[{"intent":"Change mortgage details","confidence_score":0.0014572762}]},{"text":"I'll I'll put that in some round figures for the time being. Yeah.","start_word":2256,"end_word":2268,"intents":[{"intent":"Add to round figures","confidence_score":0.009321194}]},{"text":"Outside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that. Yeah.","start_word":2270,"end_word":2311,"intents":[{"intent":"Discuss assets and liabilities","confidence_score":0.15389995},{"intent":"Update budget","confidence_score":0.0011703431}]},{"text":"plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time being. Yeah. Yeah.","start_word":2420,"end_word":2447,"intents":[{"intent":"Update plans","confidence_score":0.05974243}]},{"text":"Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more... What's your your long term Well, this, believe it or not, was my kind of my long term. I have to outlook?","start_word":3224,"end_word":3272,"intents":[{"intent":"Explore timeline","confidence_score":0.000009607654}]},{"text":"Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more... What's your your long term Well, this, believe it or not, was my kind of my long term. I have to outlook? rethink it.","start_word":3224,"end_word":3274,"intents":[{"intent":"Decide investment properties","confidence_score":8.157449e-7}]},{"text":"So maybe, yeah, sell this place and get a... Get the equity and buy a place closer to to the fam on the on the on the East Coast there, I guess. Yes.","start_word":3316,"end_word":3348,"intents":[{"intent":"Sell place","confidence_score":0.30117077}]},{"text":"But definitely build some equity on this place. We've got on firm goal. Hopefully, you know, with the market and all, hopefully, it flips back up and get from Yeah.","start_word":3385,"end_word":3414,"intents":[{"intent":"Build equity","confidence_score":0.9388741}]},{"text":"some some extra cash flow saved because the... Look.","start_word":3442,"end_word":3450,"intents":[{"intent":"Save cash flow","confidence_score":0.25840005}]},{"text":"Last thing I'll double check with you is Yep. just in terms of estate planning. I don't have a beneficiary on the super at this point. I don't know if you've tried to go through the forms before. I remember ages ago, yeah, talking about something like this. And I think they were supposed to send something else, but I I I don't think I've ever received anything. Is Cool.","start_word":3515,"end_word":3584,"intents":[{"intent":"Confirm estate planning","confidence_score":0.0008812953}]},{"text":"So So... what I'll do Mhmm. is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination.","start_word":3674,"end_word":3706,"intents":[{"intent":"Discuss nomination options","confidence_score":0.0555974}]},{"text":"So So... what I'll do Mhmm. is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination. And Yep.","start_word":3674,"end_word":3708,"intents":[{"intent":"Create form","confidence_score":0.0043794885}]},{"text":"So So... what I'll do Mhmm. is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination. And Yep. what you're basically looking for is two things. You can either make it legally binding, Superfund has to do it, or nonbinding, which is a bit silly like the Superfund has discretion. Yep.","start_word":3674,"end_word":3741,"intents":[{"intent":"Provide information","confidence_score":0.14724289}]},{"text":"Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we Yep. can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go. Alright.","start_word":3824,"end_word":3879,"intents":[{"intent":"Update comparison","confidence_score":0.06523919}]},{"text":"can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go. Alright.","start_word":3858,"end_word":3879,"intents":[{"intent":"Make changes","confidence_score":0.0439748}]},{"text":"I'll leave that pack with you today.","start_word":3885,"end_word":3891,"intents":[{"intent":"Leave form","confidence_score":0.2023441}]},{"text":"Any questions for me, Anthony, before I let you go? No.","start_word":3974,"end_word":3984,"intents":[{"intent":"Answer questions","confidence_score":0.0033383493}]}]},"sentiments":{"segments":[{"text":"Anthony Good afternoon, Anthony. It's Tommy here, senior adviser from. How are you doing? speaking. Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1466304212808609},{"text":"Good, Tommy. How about you, bud? Living the dream. Happy Friday to you.","start_word":16,"end_word":28,"sentiment":"positive","sentiment_score":0.5442814230918884},{"text":"Yeah. That's it. That's it. Oh, yeah. I know. I told him that long weekend for us, Danny.","start_word":29,"end_word":46,"sentiment":"neutral","sentiment_score":0.22077828645706177},{"text":"So that's Yep. that's exciting times.","start_word":47,"end_word":52,"sentiment":"positive","sentiment_score":0.4605414867401123},{"text":"Do you guys have Absolutely. a long weekend too? Or Yeah.","start_word":53,"end_word":63,"sentiment":"neutral","sentiment_score":0.22110626101493835},{"text":"We got Good. a long weekend too, mate. Very much looking forward to it.","start_word":64,"end_word":77,"sentiment":"positive","sentiment_score":0.643981397151947},{"text":"Yeah. That's it. That's it.","start_word":78,"end_word":82,"sentiment":"neutral","sentiment_score":0.23748990893363953},{"text":"Good man. Good man.","start_word":83,"end_word":86,"sentiment":"positive","sentiment_score":0.4188820719718933},{"text":"I've got you booked in for a bit of an annual review there. Just wondering if I'm gonna send out a bit of a pack to you. Will you be Yep. able to look on to the email with me, or should I just give you a bit of a walk through what I'm sending? I can go either way either way, whatever. If you want, you can just flick it to me, and I can have a look, have a read through. What is it like... What what kind of pack is it? So it basically has a summary of, like, your super and insurance performance, your certificates of currency for insurance, Oh, and that's then, cool. Yep. basically, service guides with us Yep. and some consent forms as well. Yeah. Cool. Cool. No. Yeah. Just flick that over, and I'll I'll get that sorted. I think you guys should have my latest address as well in in Hammondville side of things. So Yeah. more Actually, booking. if I could just quickly do security with you, can I grab that address? And it has been updated, but I'll just grab that from you and Yeah. your date of birth. Yeah. Of course. Of course. So my address is 42 A Stuart Avenue, Hammondville. Do you need to know the postcode? I have no idea what's No. the That's fine. That's the one, mate. It Probably is have to look two it up one in Google. 70, apparently. Oh, there you go. I have to get used to that. I'm still not living there, to be honest. But... Yeah. Good one. And my... Sorry. My date of birth is 12/12/1992.","start_word":87,"end_word":366,"sentiment":"neutral","sentiment_score":0.0508642000322912},{"text":"Fantastic.","start_word":367,"end_word":367,"sentiment":"positive","sentiment_score":0.6178759336471558},{"text":"So another millennial just like myself, mate. We'll see how the soup is going, and I've got a few ideas for you. Yeah. Yeah. Easy. Easy. Outside of that, is there anything in particular you're hoping to get out of tip review? Not really, man.","start_word":368,"end_word":412,"sentiment":"neutral","sentiment_score":0.1905876100063324},{"text":"You guys have been pretty pretty straightforward, pretty great, and I I can see that the the super's kinda growing slowly, so that's that's fine.","start_word":413,"end_word":437,"sentiment":"positive","sentiment_score":0.39349523186683655},{"text":"You know what I mean?","start_word":438,"end_word":442,"sentiment":"neutral","sentiment_score":0.25460153818130493},{"text":"As long as we're moving forward, it's actually awesome. Perfect.","start_word":443,"end_word":452,"sentiment":"positive","sentiment_score":0.7361813187599182},{"text":"What I'll do is I'll update some details in a minute, just go through your fax lines, see if it's all up to date with the new system that we've got. Yeah. Just quick on the super two. So because you've got that... The old C Bus account with the insurances attached, Yep. you've got contributions going to C Bus.","start_word":453,"end_word":512,"sentiment":"neutral","sentiment_score":0.14799585938453674},{"text":"That's great.","start_word":513,"end_word":514,"sentiment":"positive","sentiment_score":0.5219575762748718},{"text":"That keeps that insurance kind of in force. Yep. We've got the the hub sitting at almost 78,000. It's kind of going up and down like a yo yo at the moment with Yeah. Yeah. the Come on. It's rate the time rises they're and in. laws and... Yeah. Yeah. Yeah. Yeah. It's tough times. It's fun. You've kind of gone through... I can see in your account four market drops in three years, which Yeah. normally it's one in four. So we've had some interesting times. It's a good generation we're in, Farrah. It is. It is. I was just talking to the business about that too.","start_word":515,"end_word":622,"sentiment":"neutral","sentiment_score":0.04652368649840355},{"text":"Now it's still up, like, 5%, which is great.","start_word":623,"end_word":631,"sentiment":"positive","sentiment_score":0.4048158526420593},{"text":"So even with the market dropping, you're still in the positive. Yep. Yeah. Overall, over that three, three and a half year period, we're still clearing just under 11% after fees, which for Yeah. your risk profile, you're kind of aiming for nine and above. Yeah.","start_word":632,"end_word":677,"sentiment":"neutral","sentiment_score":0.10501236452356628},{"text":"Yeah. Which is awesome. Yeah.","start_word":678,"end_word":682,"sentiment":"positive","sentiment_score":0.5171999335289001},{"text":"Yeah. Yeah. Yep.","start_word":683,"end_word":685,"sentiment":"neutral","sentiment_score":0.27031388878822327},{"text":"Awesome.","start_word":686,"end_word":686,"sentiment":"positive","sentiment_score":0.5627486705780029},{"text":"A couple of things that I do kind of wanna sort. Firstly, I'll just quickly touch on the risk level for a minute. Mhmm. Mhmm. You're in that growth profile, so four out of five on the risk scale. Again, it's a bit above medium to try and get some higher returns, but you're not high risk at this point. Okay. So basically, 80% in shares property and gold, 20% in the safer side of things.","start_word":687,"end_word":762,"sentiment":"neutral","sentiment_score":-0.02489594742655754},{"text":"I probably wouldn't advise going high growth right this minute considering market could crash this year or in the new year.","start_word":763,"end_word":783,"sentiment":"negative","sentiment_score":-0.3771756589412689},{"text":"Yeah. Yeah. Maybe The give whole it a bit thing of time. of... Yeah. That recession and all that at the moment, I kind of with Australia and... Yeah. Yeah. I get you. Yeah. There's a bit of a bounce between two things where interest rates going up, inflation, we're looking at, you know, recession side. Then on the flip side, the the AI companies are spending 4,000,000,000,000 on their build out, which is creating some huge... You know, there's some some chippy in an electrician. They're getting $400 to build a data center. Yeah. Yeah. That's crazy. Yeah. Yeah. That I heard does of things it now. too. Yeah. So it's a bit of a split between two things. Could grow, could crash, could do both at the same time. We tweak... Need to play the law of averages, get you right through the middle, and then keep an eye on the investments, make sure if something goes topsy-turvy that we do update the portfolio. Okay. Yep. Yep. Easy peasy. One thing I would like to do is we've got some updated research from the old SeaBus. Yep.","start_word":784,"end_word":972,"sentiment":"neutral","sentiment_score":-0.05327983573079109},{"text":"It's jumped up to about 32,000 with all the contributions that have kind of piled in there. You only really need about $10 in there for the insurances to be, like, no risk of lapsing.","start_word":973,"end_word":1007,"sentiment":"positive","sentiment_score":0.45921534299850464},{"text":"So Yep. what I'm Yep. thinking is net market's down a little bit. I wanna put together just an updated plan for you where maybe we do a small rollover across, and Yep. I can tweak a couple of the investments as well. Yeah. Yeah. Okay. No. Not a Cool. problem.","start_word":1008,"end_word":1058,"sentiment":"neutral","sentiment_score":0.07081614434719086},{"text":"One thing that you'll see is that in the performance report, everything that you've got is pretty well growing double digits really well.","start_word":1059,"end_word":1081,"sentiment":"positive","sentiment_score":0.37689512968063354},{"text":"There is, like, a term deposit for your safe assets that's being... I guess, it's had some good growth for a term deposit, but it's being phased out by the government, so I need to update that Mhmm. one. Okay. Yep. It's called, like, a bank high... Where it's like a it's like a bond that turns into a share at the end. They don't Okay. like that idea, so we're just gonna switch Yeah. it to something a little bit... Yeah. Yeah. Fair enough. Yep. There is a Benelon option that's gone down. It's the only negative one. It's kind of, I guess, going down faster than the Australian market is, So I wanna kind of switch that one out as well. Okay. Yep. Yep. One question I do have for you, and this is purely personal preference. I know it's hard to answer these sorts of things, but Hub's got the most investment options in the industry. It's about 1,300. To kind of whittle it down a little bit, I can build you something that's either really good low fees or, you know, you pay higher fees to get a higher return. That's called active. And I'm just wondering where your gut leans between the two. I'm not sure, to be honest. I'm like... Look. I'm I'm pretty easygoing, to be honest. I'm... I understand. Like, with with this stuff, is it, like, mainly being the high fees? Is that because it's... Is there more to it or something like that? Like, what what exactly is this thing that we're gonna kind of pay for for the hub? Is that is it like it... Does it have insurances or anything like that? Or... No. So what what it is is each fund manager has a different style of how they invest the money. Got And you. Yep. Yep. for example, your... The Benelon one that I wanna replace, they charge a higher fee to pick and choose stocks in Yep. Australia, Yep. and they haven't been doing too well at it. Yep. The the other option is to go for something a bit lower fees where it just follows the Australian market. It's not trying to beat it. Yeah. Yeah. I guess Yeah. the fees down about 80%. So we can kind of change the style back to a bit more of a lower fee passive approach, A Okay. bit Yeah. more there as well if you're okay for me to run that. Yeah. I'm I'm thinking that should be alright because then later on the future as well, we're not like locked in for a certain amount of terms or anything like that. We can just change whenever you want. Right? Or if the market's starting to become better and add it at whatever, and we can just decide to go into that higher fee side of things. We can do that whenever. Is that right? Exactly right. It's the same thing with Yeah. the risk level. We can move Yeah. you Yeah. up and down in how much growth assets you've got. And then for Yep. the fund managers, that's why we do the reviews to kind of switch them out as we need. Okay. Cool. Yeah. Okay. Okay. We will... Let's go let's go to that low fee one for now then in that case, and, yeah, we'll go from there.","start_word":1082,"end_word":1647,"sentiment":"neutral","sentiment_score":0.0589709531140675},{"text":"Beautiful. I'll put together an updated plan just to some comparisons and updated comparisons, all the funds of, you know, updated investments and fees and whatnot. And Yep. I'll get that to you in the next few weeks or so, run that by you, make sure you're comfortable before I touch anything.","start_word":1648,"end_word":1699,"sentiment":"positive","sentiment_score":0.38868024945259094},{"text":"Yeah. Fair enough. Fair enough.","start_word":1700,"end_word":1704,"sentiment":"neutral","sentiment_score":0.2172151654958725},{"text":"Cool.","start_word":1705,"end_word":1705,"sentiment":"positive","sentiment_score":0.4426448941230774},{"text":"Just quickly on the, like, insurance side of things. So you've Yep. got a little bit of life and TPD cover inside Cbus, 208,000 of life, 145 of total disability. It's Yep.","start_word":1706,"end_word":1737,"sentiment":"neutral","sentiment_score":0.15496721863746643},{"text":"under a grand in premium, so nice and cheap there.","start_word":1738,"end_word":1747,"sentiment":"positive","sentiment_score":0.4647543430328369},{"text":"I'm just wondering if you wanted me to do any quotes for anything, if we're just leaving that one as is in terms of insurances. Yeah. Yeah. No. No. We'll leave it for the time being because I think... I can't remember who else. I think I was speaking to someone from your side a while ago. I think his name was Kyle or whatever, but we did attempt... Because it's a long story short, right, I had a bit of a situation with my health maybe about... When was it? Three years ago. I had, like, testicular cancer and all that stuff. And then Yeah. because of that, insurances aren't too happy to cover me with certain things. You know what I Yeah. mean? So things are gonna be expensive and so on and so forth. So being... This is an existing cover that we thought we'll just leave it as is just in case something does happen because I think the insurances wanted to wait, like, I think it was, like, five years or something like that. Yeah. There was a bit there was a bit of a story to it, and he's like, look, in about five years' time, we'll just rereview it and go from there. So I think Yeah. that we'll leave it for now. Probably maybe in a couple of years time, we'll we'll look into it. Kind So of change another it up maybe. twelve, twenty four months. Sorry? So about another twelve, twenty four months Yeah. probably Yeah. be Yeah. the right Yeah. time. Yeah. Yeah. Yeah. Yeah. Yeah. Another twelve, twenty four months kinda thing. We'll we'll rereview it or something like that and see what happens.","start_word":1748,"end_word":2033,"sentiment":"neutral","sentiment_score":-0.05861054650032437},{"text":"Cool.","start_word":2034,"end_word":2034,"sentiment":"positive","sentiment_score":0.6053889989852905},{"text":"So no income protection, no trauma, leave the life in TPD as is. Just while I'm on the topic, so you've got a bit over a $100 in the super now. Yeah. If those scenarios do happen, obviously, you get a couple $100 from the insurer, $100 from the super. That'll pay off about half of the mortgage that we had on file. Mhmm. Just wondering if that's changed much from 617,000 that we have listed. Yeah. Yeah. So now we've moved to Hammondville, so we sold that place that had Yep. that 617,000 mortgage. Now, obviously, we've started again. So it's... I think our mortgage is around the 900 Yep. thousand, I think, at the moment. I know it's... Obviously, it's not gonna cover if something does happen as much being as a high... High mortgage now. But, yeah, that's the Hammondville property. I know that we just Yeah. jumped into. And is that... That's about 1.1 mil, would you say, for the new one? Yeah. Yeah. Yeah. So it was sold for 1.16, I think it was. But... Yeah. Yeah. Then we borrowed or we had 20%, put that down, and, yeah, we borrowed the rest. So it's like... It was about... I think it was either just under 900 or it was about 900,000 Perfect. that we borrowed. I'll I'll put that in some round figures for the time being. Yeah. Yeah. Outside that, just quickly on assets and liabilities, and also in terms of, like, cash flow and everything, because you've just moved, I'm assuming you probably haven't got too much of a handle on your new budget or anything like that. Yeah. Hey. Yeah. That's still a bit fresh, all that stuff. Because, yeah, we're still living with mom in the meantime because we're kind of renovating the place. Yes. And so, hopefully, probably in the next month or so, we'll probably move in and try to get a better handle on it. Yeah. See what the bills are, see what the cash flow is, and kind of adjust. But, yes, kind of hard to determine at this point, to Yeah. be So honest. I'll do anything in terms of, like, salary sacrifice to super at this point because, obviously, got a few things going on. Yeah. For the Yeah. plan itself, I'll just base it on what the employer puts in and the growth, and I can just go from there for the time being. Yeah. Yeah. Okay. Fair enough. Fair Cool. enough. Income wise, are you still working for Minnow Yes. You know, so... Yeah. Spot Australia? on. Cool. Still doing sort of warranty clerk admin on about a $100? Yeah. That's correct.","start_word":2035,"end_word":2484,"sentiment":"neutral","sentiment_score":0.0020118818618357183},{"text":"Yeah. Perfect.","start_word":2485,"end_word":2486,"sentiment":"positive","sentiment_score":0.3962229788303375},{"text":"So no changes there. Outside of the mortgage, just lastly on assets and liabilities, got the one paid off vehicle, which is the Evo. We've got the the Golf, which had a little bit of a loan on. Not sure if you consolidated for the mortgage. We actually... So a bit of an update on that one, actually. So we sold the Golf, so I don't Yep. have the Golf anymore. I kind of I did buy another vehicle. I bought a a Vega. I don't know. One of those electric Chinese vehicles, Alright. believe it or not. Yeah. So we got away from petrol for a bit. But... Yeah. Cool. Yeah. So now I've gotten that. So that was a... I think I put down, like, $20. I think I borrowed a 50... I think it was $56 loan, I'm pretty sure, to Yep. be honest. So... Yeah. So now I've got that. So I don't anymore, and instead I've got this car. Cool. So the Golf's gone. Is the the Evo gone as well? No. EVO is still there. That's... I'm too Yep.","start_word":2487,"end_word":2671,"sentiment":"neutral","sentiment_score":-0.05057542904003246},{"text":"sentimental to get rid of that one.","start_word":2672,"end_word":2678,"sentiment":"negative","sentiment_score":-0.4734572470188141},{"text":"I'll just put down resale value for the Vega, if that's alright. Yeah. Yeah. Of course. Yeah. Is that like coming... We look up, or is it just off top of my head? I'll stop your head if you can. Off the top? Yeah. Yeah. Well, they resale... Or they probably sell that new at 70... What was it, $72? Yep. So if I was to sell it now, because it's only done, like, 400 k's on the clock, Probably, I would say $68.70 Yep. grand. Easy Be realistic. done. And any other assets or liabilities floating around? No million under the mattress there. No No. No. I wish... Oh, no. Nothing like. crypto. And the last one I'll check is just have you... Now that you bought the property, do you still have any savings set off to the side? We do. We do. I've got kind of accounts everywhere at the moment because we tried... I don't know if you heard to this... You know, ING, they have a good interest return kind of thing. We we do savings. And obviously, with the cash rate going up, we've kinda tried to take advantage of it. And we put... We opened up three ING accounts and put Nice. all our money that we sold from the unit into those. And, obviously, because, you know, ING have a maxed out limit to the interest of, you know, a $100. After that, you get, like, something crap interest rate return. So we Yep. kinda opened up three different accounts and shovel their money in there. So I kinda got money all over the place at the moment, so it's hard to say how much exactly I have. Oh, But jeez. I What wanna would say... be a rough... 50, a 100? Yeah. Well, we... Or this renovation and all that kind of cost us a little bit. I wanna say we probably got around $30 still sitting there Yeah. kind of What about with the renos? Have you got much left to do in terms of thing. No. spending That's that 30 that's grand?","start_word":2679,"end_word":3031,"sentiment":"neutral","sentiment_score":-0.04796988882187744},{"text":"that's probably what ate all their money away.","start_word":3032,"end_word":3039,"sentiment":"negative","sentiment_score":-0.5373542308807373},{"text":"Or Yep. So... Yeah. Yeah. We... Like, we pretty much done everything. I'm trying to think what else. Honestly, everything else is done. So we've done a kitchen. We've done... We painted the whole place out. We put AC installed that. That. That that cost us every... Like, obviously, majority of it. Jeez. Bathrooms, we're we're wanting to renovate, but, obviously, that can be done in the distant future once we save a little bit more money.","start_word":3040,"end_word":3116,"sentiment":"neutral","sentiment_score":-0.048540521413087845},{"text":"I'm I'm not gonna completely go, you know, drain all my savings for for this.","start_word":3117,"end_word":3131,"sentiment":"negative","sentiment_score":-0.4834867119789123},{"text":"That's for sure. Yeah. Absolutely. But... Yeah. Yeah. So definitely, I'm not doing anything else with this place. It's all been paid for or done kind of thing. Perfect. So I guess what Yeah. I could say then is in terms of, like, goals is basically move into this place, get a handle on the cash flow, rebuild the savings, and then maybe look at a bit of a bathroom after that, and then just Yeah. pay down the mortgage. Spot on. Spot on. Spot on. Yeah.","start_word":3132,"end_word":3218,"sentiment":"neutral","sentiment_score":-0.03399951756000519},{"text":"Cool. That's definitely the goal.","start_word":3219,"end_word":3223,"sentiment":"positive","sentiment_score":0.37600094079971313},{"text":"Are we still looking at any terms of, like, investment properties over the next five, ten years, or are you kind of just focusing on the more... What's your your long term Well, this, believe it or not, was my kind of my long term. I have to outlook? rethink it. Look, definitely, probably stay in this place for another seven to ten years, then kind of rethink, oh, should I move maybe... Because maybe, obviously, I'm a bit further out from family. My family is down close to the coast. So maybe, yeah, sell this place and get a... Get the equity and buy a place closer to to the fam on the on the on the East Coast there, I guess. Yes. So do a bit of a lifestyle change in in decade Yeah. or so. Yeah. Yeah.","start_word":3224,"end_word":3363,"sentiment":"neutral","sentiment_score":0.013179285451769829},{"text":"A 100%.","start_word":3364,"end_word":3365,"sentiment":"positive","sentiment_score":0.3736889362335205},{"text":"You never know.","start_word":3366,"end_word":3368,"sentiment":"neutral","sentiment_score":0.2434154748916626},{"text":"I might love living there and stay there for the rest of my life.","start_word":3369,"end_word":3382,"sentiment":"positive","sentiment_score":0.3703979551792145},{"text":"Who knows?","start_word":3383,"end_word":3384,"sentiment":"neutral","sentiment_score":0.16381844878196716},{"text":"But definitely build some equity on this place. We've got on firm goal.","start_word":3385,"end_word":3397,"sentiment":"positive","sentiment_score":0.4223717451095581},{"text":"Hopefully, you know, with the market and all, hopefully, it flips back up and get from Yeah. there, I guess. My my hope is that the interest rates start to tumble back down again for the next few years, and you can get Yeah. some some extra cash flow saved because the... Look. There's talk of it maybe going up another couple of percent with Yeah. all the Yeah. Exactly. government spending Exactly. AI Right. rollout. If things pop, I'm hoping they drop it right back down, and you've got a good good five years to smash it out. Yeah. Yeah. But... Yeah. Yeah. So see what happens, I guess. A bit unpredictable at this point. Yeah. Last thing I'll double check with you is Yep. just in terms of estate planning. I don't have a beneficiary on the super at this point. I don't know if you've tried to go through the forms before. I remember ages ago, yeah, talking about something like this. And I think they were supposed to send something else, but I I I don't think I've ever received anything. Is Cool. there any chance... Can you can you send something back out or whatever to the new address and kind of fill out what I have to fill out and definitely put someone down. I'll put my wife, obviously, kind of thing. Yep. So But... for... We'll send her off to Hammondville. Yeah. Yeah. I reckon. Because we're there kind of every week not by on on Mondays to bring in the bin. But... Yeah. Because we're the ones that are doing all the renovating pretty much. Yeah. Alright. So So... what I'll do Mhmm. is I'll post out some forms with the envelopes. Basically, when you get them, there's a couple of tick boxes in terms of the type of nomination. And Yep. what you're basically looking for is two things. You can either make it legally binding, Superfund has to do it, or nonbinding, which is a bit silly like the Superfund has discretion. Yep. And you can choose if it expires every three years or it's continuous until you change it. If you Yep. just want a standard legally binding, non lapsing nomination, there would just be a box for not passing binding. And then you just put a Yeah. 100 Cool. percent spouse, date of birth, address, get it witnessed by two people on the same day that aren't your spouse, and Yep. then flick that back. Okay.","start_word":3398,"end_word":3815,"sentiment":"neutral","sentiment_score":0.003678278703438608},{"text":"Beautiful. No problem at all. Cool. Can do.","start_word":3816,"end_word":3823,"sentiment":"positive","sentiment_score":0.5404075980186462},{"text":"Outside of that, I will put together that updated comparison for the next few weeks or so, get you booked in with me just to run through the figures together, and then we Yep. can make a few few tweaks to the super, some rollovers, and investment changes, and we should be good to go. Alright. Done.","start_word":3824,"end_word":3880,"sentiment":"neutral","sentiment_score":0.2548303008079529},{"text":"Yeah. Sounds easy. Awesome. I'll leave that pack with you today.","start_word":3881,"end_word":3891,"sentiment":"positive","sentiment_score":0.4759101867675781},{"text":"So just to let you know as well, there's no changes to the fees for you with Oakview at this point, but the new service guide has a tiered structure that we've just brought in. So when you get above 200,000, it'll Yep. drop from 1.65% to 1.37. And then when Okay. you get above 500,000, it drops again. So we've just added in some discounts for down the line. Yeah. Fair enough. Fair enough.","start_word":3892,"end_word":3966,"sentiment":"neutral","sentiment_score":0.12567918002605438},{"text":"Not a problem. Cool.","start_word":3967,"end_word":3970,"sentiment":"positive","sentiment_score":0.35042575001716614},{"text":"Not a problem. Any questions for me, Anthony, before I let you go? No. No. It's been pretty straightforward, to be honest with me.","start_word":3971,"end_word":3994,"sentiment":"neutral","sentiment_score":0.2028932124376297},{"text":"So it's all good, man. Yeah. Easy done, mate. Have a fantastic weekend, and I'll talk to you in a few Done.","start_word":3995,"end_word":4016,"sentiment":"positive","sentiment_score":0.6589468636296012},{"text":"Easy as.","start_word":4017,"end_word":4018,"sentiment":"neutral","sentiment_score":0.3168354034423828},{"text":"weeks. Cheers. Alright, mate. See you later.","start_word":4019,"end_word":4025,"sentiment":"positive","sentiment_score":0.41632354259490967},{"text":"Take care, mate. Bye. Bye bye. Bye.","start_word":4026,"end_word":4032,"sentiment":"neutral","sentiment_score":0.18864770233631137}],"average":{"sentiment":"neutral","sentiment_score":0.04852384694898557}}}}