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I do apologize about the confusion with the appointment there. I know you do normally like to come into the office and run through things. Yeah. That's okay. Oh, that's really unusual, isn't it? Yeah. Yeah. No. Look. We we got connected now. That's the main thing. All good. Just confirming, are you driving or are you able to look at your emails at the moment? Or yep. That's okay. That's not a problem at all. If you like, what I can do is I can run through things, give you a bit of an update on where everything's up to. We can sort of have a bit of a general chat about where things are going, what your goals are, and then we can kind of I'll send you the documents as well so that you can always run through and have a bit of a look at them after the call as well if you like. Yep. Fantastic. Now before I jump in the call and run through things with you, I do have to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Beautiful. And just to do security there with you as well, we're discussing your personal information. So I'll just need to confirm your full name, your date of birth, and address I should have on file. Yep. Mhmm. Beautiful. Lovely. Thank you so much for that. Now as part of the annual review docs that I'll send through to you, I'll press send on those now if they do come through to your email for you to review afterwards. I know you spoke to Michelle about updating your address. So she's been able to update that on the hub 24 platform for your super. It's just with the MyNorth platform. We just need to get a form signed to complete that. So we've attached that to your annual review documents there as well. It does also have attached beautiful. It does also have attached to the ongoing service agreements. If you're happy to continue board onboard for the next twelve months there, that is attached. It's only attached to the hub twenty four super account because the one for your investment doesn't actually expire until the November, so we'll make sure we update that down the track for you. And then we also just got some compliance documents attached there for you to review some some portfolio reports that I'll run through for you. It's also got our financial services guide, the index chart that we went through last year. I'm just showing you how the market ups and downs can affect over time and just a couple of additional reports in there for you to kind of have a really good look through. Okay? All good. So how's everything been otherwise? I know you've got a pay increase, which is fantastic. Congratulations. Excellent. And it does mean, obviously, your contributions have increased there as well, which is great to see. Having a look, now you've you're getting that additional contributions into the extra 5% on top of your wage. Just wanted to double check there because it Hub twenty four doesn't doesn't kind of note everything individually, but it looks like you're not salary sacrificing the additional. Are you wanting to sort of take on that and start salary sacrificing into soup, or are you happy just to not for the moment? Hold off. That's fine. Yeah. Yeah. Yeah. That's okay. Yeah. No. That's fantastic. That's not a problem at all. I'll just make a note of it in the back end. And if you decide you wanna reassess, reassess or look at that again down the track, let me know. I'm more than happy to. Okay? Fantastic. All good. Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there. You've probably also had a bit of a understanding of what's been going on in the news. The markets have been very up and down this year. We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news. It is at the moment, isn't it? Well, it does sort of mean that with a lot of that going on, there has been a lot of unstability, sorry, in the markets there. So investors have been a little bit wary of what's been going on, and it does mean the markets have been going up and down. We've had a lot of volatility to sort of withstand. Your balance in your hub 20 super as of the May 11, which is when we completed this document here, It does show 52,237 and 45¢ there. I'm just quickly logging in to give you an updated balance. So as of today's date, we're at 52,302 as well. So it is good. You are definitely up from where you were when you came on board. It's up from a couple of days ago as well. So the markets are showing a bit of recovery there. However, with the volatility, it has meant the markets have had some great performance, but we've also seen some really hefty downtimes in the last year as last few months as well. So your absolutely. Yeah. So with your super, it is showing over the last twelve months, you do have a positive. It is a positive return of 3.06%. It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return. A lot of the other funds in the areas and industry funds have definitely been reporting negative returns over the past few months. So to go through that and still come out with a positive return, we are happy to see. But I never sugarcoat it, and I will let you know it is lower than where we would like it to be for the first year. So it's understandable. Okay? Excellent. It does say when I sort of have a look at all the investments within the super, everything is performing really well. Some of your best performers over the past twelve months have essentially been the Bank Hybrid, the defensive investments. Your physical gold is up very heavily, doing very, very well. The a 200 has been doing nicely to giving you exposure to the top 200 companies on the ASX. And even given what's happening between The US there, overall, the S and P five hundred's seen a positive result as well. So it is really good to see that you've come out with a positive for the first year even though it has been a bit lower due to your market expectations. Okay? Nothing in there sort of flags to me to kind of move at the moment. What I do wanna kinda do, if you're comfortable with, I'll keep watching it over the next couple of months. We might even do a bit of a three monthly catch up for you in the next few months and see where we've sort of tracked from from today up to the next three months and just sort of see how your portfolio is tracking and whether we maybe make any changes to those investments. Does that sound okay to yourself, or did you have any questions? Or Yep. Yeah. Yes. To defend in the investments there? Yeah. So you are in, like, the S and P 500 and the a 200 there, and you do have a bit of cybersecurity. So you would definitely be invested in defense areas. Is that somewhere that you would not like to be invested? Or yeah. Yeah. Absolutely. Absolutely. And you do have cybersecurity, and cybersecurity has taken a little bit more of a hit this in the last few months, generally, since about December. So cybersecurity also factors in ways and areas of defense indirectly as well. So And I'll definitely just keep watching it. I do sort of look at all the investments and look at what they're doing and jump in and look at everyone's portfolios here and there to sort of see what's going on in in preparation for these sorts of things. So if there is anything that we maybe need to flag, we'll definitely look at doing that for you. But, look, if there's an area of interest for you as well, please let me know. I'm more than happy to investigate it for you and see what adding to your portfolio can do. Yeah. Fantastic. Yeah. No. Absolutely. Perfect. So that's essentially your super. As I mentioned, you've got some port you've some portfolio reports now showing so that the different so the different time horizons that I've looked at is showing you where the portfolio is, but it's good that you are showing a positive result for the first year. We'll keep monitoring things. We'll keep doing catch ups with you to see where we're tracking. And with your contribution still going in, even through the downtime, you're still taking advantage and buying in and buying low. So it's really good to see that everything's still tracking, and we'll just make sure we keep tracking it and see where you are in the next three months and see if anything needs to be updated for your super. Okay? Excellent. No worries. Now the other thing, having a look here at your investment. So that has only just sort of come into play as of about November. For the first six months, essentially, you are down a little bit again because of what's happening with the markets in general. When I look at the the six monthly return, net is is that it's down about 1.93%. But then when we kinda break it down and look at the last sort of, you know, three months as a whole, after sort of the March, which is when we saw the biggest and the the largest kind of volatility, the biggest downtimes. Your portfolio has come back showing it's a positive of 0.69%. So it does show that whilst you are down overall since November with your investment, you are showing it is coming back, and it it has had a bit of a recovery point there. So we just need to let it kinda go through that, keep that dollar cost averaging going. And, again, same with your investment. We'll just revisit that the next three months, have a look at what's happening. I'll keep watching everything. And if maybe there's some flags that we need to maybe make some alterations to it, we'll definitely do that for you. But the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole. So it it's working really well. It's just been following the market trends. So nothing in there is being flagged as, you know, being down because of anything serious, which is good. Okay. All good. Did you have any questions about that at all? I never wanna sugarcoat anything. I wanna sorta make sure I'm honest with you when the markets aren't performing as well as they should be, But just making sure that you're you're able to ask questions or if you have any concerns, you're welcome to let me know there as well. Okay? Sure. Yep. Yeah. You're fine. So let me just pull up the advice document for you to reconfirm. Because I can see that there is an ongoing service fee on the account there, but it is expected to be about $49 for the year. But let me so just go back to jog my memory as well. Wanna make sure because if there is anything, I will go back and make it reflect. Where are we? That's the superannuation one. The ongoing service fee here for this one. Yeah. It does. Sorry about that. Yes. So I can see they have put the ongoing service fee on the account there, and it was meant to be held off until the balance reached that $10,000 mark. So what I will do is I will go back and make sure that's removed there for you, and I will organize to have the the difference there refunded for you. It's only a very small amount, but I'll make sure that that is applied for you. Okay? Sorry about that. No. That's okay. I do apologize for that. No. No. That's okay. That's not a problem. I'll I'll have that rectified for you. It's not an issue. I do apologize about that, Terry. Easy. I'll make sure it's all sorted for you. Thank you for flagging that with me. I do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified. Okay. Excellent. Easy. That's okay. No. Not a problem at all. Easy done. The other thing to sorta have a a bit of a night talk about is your insurances. So we did obviously transfer your life and TPD over to hub twenty four from the Hostplus account there. With the Hub twenty four insurance, they do increase slightly with indexation there as well. So it does actually show that as it's gone through renewal for the first year, the amount of your life and TBD held within the hub twenty four account is has gone back or increased to 231,612 and 42¢. With the life and TBD component, you're only paying about a $150 for the year for those. They're very minor with regard to that. Are you did you wanna review the life and TPD amounts? So do you feel they're fine for the moment or fine with that? Not a Yeah. That's okay. Not a problem at all. The other thing to sort of go through is just sort of looking at your goals. So we were sort of tracking towards looking at retirement. You were sort of hoping you're round about the age of 60 mark. Are we still the tracking board towards that? I know you've got a long time to go before that we get to that age. Yeah. You have a long time to go. All good. Yeah. That's okay. Well, we'll keep tracking with that investment. I know part of having the investment portfolio was to be able to, you know, look towards purchasing a home and use some of the funds towards that possibly in the future. But, you know, if you wanted to kinda keep building it long term, we could definitely look at, you know, trying to build it up and increase the contributions down the track to kinda give you some sort of access early if you would like to look at doing that down the track. Yeah. Beautiful. Other than that, I did have that you you were traveling last year, and you made mention you've got some travel plans this year as well. Yeah. On. Yep. Yep. Wow. You've got a lot going on. Yeah. Absolutely. Absolutely. No. Awkward. And we sorta had a goal there looking to try and purchase a home in the next sort of two to five years. Is that still sort of the goal on when you'd like to purchase a home? Yep. Yeah. No. Well, the other thing is and kinda one of the things I sort of pointed out to my husband last night was we were watching the budget board, and I was like, look. At the end of the day, they also have to get this through. So this they've sort of put out the the bill on what they want to occur, but then it does have to pass parliament and go through the segments as well. So we'll see what does and or doesn't pass. I know thinking about some of those changes, it would affect them as well. So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go. But then, also, we have a whole another budget coming next year as well. So anything could change in that time frame. Yeah. Yep. Yep. Yep. Yep. Beautiful. Beautiful. And how much do you have in there at the moment? Okay. Perfect. Okay. Yep. Yeah. Yeah. Absolutely. I can have a bit of a look around. Yeah. No. That that's okay. I that's okay. Yep. Yeah. Yep. Yep. Perfect. Yep. No. Beautiful. That's all good. So working really well. So if you like, I can have a bit of a look around at high interest cash accounts versus 10 deposits and kind of do up a little bit of a strategy paper. Just take some time to kinda put it together for you. But I can give you a couple of options to kind of mull over and investigate to see if any of that picks your interest and helps you with your savings a little bit. Yep. Fantastic. Yeah. It is very hard at the moment. It's been a little bit volatile in the markets, but then also with what we've had going on here, higher interest rates and the cat and, you know, money kind of isn't hitting the point we wanted to at the moment. But, yeah, hopefully, all of this sort of hopefully, it all kind of, you know, moves over a little bit sooner than we hope. I mean, sentiment in the market is still quite good. I know with speaking to some of the economists that we've had access to, they are still expecting inflation keep increasing. I know last night, they kinda mentioned 5%. Economists have kind of also been saying roughly around about that. We would hope inflation doesn't keep going that way because it kinda does devalue money a little bit faster, but also increases interest rates and makes it much harder for people to pay their mortgages and to borrow for serviceability. But I think we just sort of wait and see what kinda happens towards the middle of the year and then towards the end of the year, and hopefully, things sort of start to settle down a little bit. So I know they've kinda forecast that, you know, inflation will kinda pull back a little bit and hit around that 2.5% around mid next year, but I'd like it to like to see it happen a little bit faster. We're sort of hoping that the budget might, you know, to help with that, but I don't think it is going to if they're still forecasting a five percent return. The budget hasn't done much at all. Oh, no. Yeah. Yes. Yep. Absolutely. It is yeah. It it does. It makes it very much harder. And if if we if the property market keeps going the way it has been, it's just gonna price everybody out of the market. No one's gonna be able to buy unless you've got, you know, a really good proper deposit there, which means anyone, you know, 20 and under, as they kind of get closer to wanting to buy, it's just gonna be too hard. They're not gonna be able to save the minimum deposit. They're not gonna be out of for the repayments, and it's just gonna be too hard to to to buy in. So I hope it doesn't get that bad, especially as I've got a 19 to 20 year old daughter, and they're sort of wanting to save for their first time, but they're so scared. They don't know how. They're, you know, trying to save as much as possible with every year that goes by. You know, they need a bit more money put aside, so it's it's not a it's a very difficult area for them to be in. Yeah. Yeah. No. All good. I can see here Michelle updated your renting. So you're paying about $3.60 at the moment including bills. Is that right? Right. Yep. Okay. Perfect. Excellent. Okay. Beautiful. That's really good to see. Excellent. Yep. Yep. No. No. Definitely not. Yeah. No. Absolutely. And with your wow. Yep. Yeah. Wow. Yeah. Wow. Yeah. And absolutely. And the note here says that you've been sort of working a lot more in Brisbane recently. So how's, like, fuel and driving and getting yourself to Brisbane? Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Absolutely. Yeah. No. Definitely. I will certainly see how things go and hopefully, yeah, a little bit less traveling. I mean, it's nice that fuel prices have gone down for us for a little bit, but once that fuel excise cuts back in, a few fuel prices are properly gonna look up for us all again. It does. It does. The months fly by. It's already almost halfway through the year. It's insane. Yep. Yep. Yep. Yeah. Oh, it is. I know. The whole year is just flying by. They tell me as we get older and older, it gets faster and faster, and I honestly feel like that's what's happening. Yeah. Yeah. No. That's it. That's it. That's it. No. All good. All good. Other than that, the only sort of things to double check is I've got your car. You had a value of that last year of about 20,000. Would you still keep the value the same, or do you think you might decrease that a little bit? Yep. Yeah. You're right. You see. No. That's okay. Yep. Okay. Beautiful. Beautiful. You'll have that paid off in no time. Yep. Abs yep. Yeah. Wow. And it's gone fast. Absolutely. No. All good. All good. Yep. Yep. Yes. Yep. Okay. That's pretty good. Yeah. Yeah. Yeah. Absolutely. No. Definitely. Oh, it's working working well. Fantastic. And I can see with those contributions, your employer was paying those voluntary, so claiming your notice of intent, but they've changed it. So they're going in and taxes being they're going in sort of as more of a salary sacrifice kinda contribution now. So there's no need to claim that notice of intent. Yeah. No. I had a I had a look at the way just after we sort of set everything up, I looked at the contributions and went, wow. They're actually they're concessional now. So they used to be non concessional, and we still have to claim that notice of intent. But they've changed them, so they're all going through concessionally now. So it still works your favorite, still concessional. It's just that we don't have to claim that one extra step. Yeah. Yeah. Yep. Perfect. And then you get to find what you're after, go house hunting and look around. Yeah. Yes. Yep. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. No. Mhmm. Yeah. Wow. Wow. No. No. All good. All good. Well, that's basically everything I need to run through. I can see your beneficiaries are all up to date. We got legal personal representatives that all goes to your will, which is what we discussed last year, which is fantastic. There's no real changes to your goals, which is good. I have already messaged off to a head of advice to have that ID the investment account fixed up for you, and I've sent the annual review docs through. So feel free to have a look at them. If you're happy to stay on board, I'll get you to sign and return those back for me. That's the ongoing service agreement and the change of address form for the MyNorth, and we'll have that sent off and updated for you. And we'll do a catch up in about three months and see where the markets are going and see what's happening in that time. And I'll do a little bit of research for you just on some term deposits and high interest accounts to sort of give you an idea of what else is out there. Okay? And you see, that's okay. If there's anything else you need, please let me know, Terry. Happy to make time. And I've made a little note on here as well that just when we call next time, just to check whether you wanna kinda come into the office or whether you prefer the phone to see you can kinda decide what suits you. Okay? Fantastic. That's okay. I hope you have a good relaxing afternoon. Thanks, Darrie. I'll talk to you soon. Thanks for your time. See you later. 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Terry. It's Dana from Mokie Financial. Can you hear me okay? I'm very well. Thank you.\n\nHow's your afternoon been? Yeah. No. Understandable. I do apologize about the confusion with the appointment there.\n\nI know you do normally like to come into the office and run through things. Yeah. That's okay. Oh, that's really unusual, isn't it? Yeah.\n\nYeah. No. Look. We we got connected now. That's the main thing.\n\nAll good. Just confirming, are you driving or are you able to look at your emails at the moment? Or yep. That's okay. That's not a problem at all.\n\nIf you like, what I can do is I can run through things, give you a bit of an update on where everything's up to. We can sort of have a bit of a general chat about where things are going, what your goals are, and then we can kind of I'll send you the documents as well so that you can always run through and have a bit of a look at them after the call as well if you like. Yep. Fantastic. Now before I jump in the call and run through things with you, I do have to let you know we do record our calls moving forward for training and quality purposes.\n\nAre you happy for me to proceed with that? Beautiful. And just to do security there with you as well, we're discussing your personal information. So I'll just need to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nMhmm. Beautiful. Lovely. Thank you so much for that. Now as part of the annual review docs that I'll send through to you, I'll press send on those now if they do come through to your email for you to review afterwards.\n\nI know you spoke to Michelle about updating your address. So she's been able to update that on the hub 24 platform for your super. It's just with the MyNorth platform. We just need to get a form signed to complete that. So we've attached that to your annual review documents there as well.\n\nIt does also have attached beautiful. It does also have attached to the ongoing service agreements. If you're happy to continue board onboard for the next twelve months there, that is attached. It's only attached to the hub twenty four super account because the one for your investment doesn't actually expire until the November, so we'll make sure we update that down the track for you. And then we also just got some compliance documents attached there for you to review some some portfolio reports that I'll run through for you.\n\nIt's also got our financial services guide, the index chart that we went through last year. I'm just showing you how the market ups and downs can affect over time and just a couple of additional reports in there for you to kind of have a really good look through. Okay? All good. So how's everything been otherwise?\n\nI know you've got a pay increase, which is fantastic. Congratulations. Excellent. And it does mean, obviously, your contributions have increased there as well, which is great to see. Having a look, now you've you're getting that additional contributions into the extra 5% on top of your wage.\n\nJust wanted to double check there because it Hub twenty four doesn't doesn't kind of note everything individually, but it looks like you're not salary sacrificing the additional. Are you wanting to sort of take on that and start salary sacrificing into soup, or are you happy just to not for the moment? Hold off. That's fine. Yeah.\n\nYeah. Yeah. That's okay. Yeah. No.\n\nThat's fantastic. That's not a problem at all. I'll just make a note of it in the back end. And if you decide you wanna reassess, reassess or look at that again down the track, let me know. I'm more than happy to.\n\nOkay? Fantastic. All good. Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there. You've probably also had a bit of a understanding of what's been going on in the news.\n\nThe markets have been very up and down this year. We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news. It is at the moment, isn't it? Well, it does sort of mean that with a lot of that going on, there has been a lot of unstability, sorry, in the markets there. So investors have been a little bit wary of what's been going on, and it does mean the markets have been going up and down.\n\nWe've had a lot of volatility to sort of withstand. Your balance in your hub 20 super as of the May 11, which is when we completed this document here, It does show 52,237 and 45¢ there. I'm just quickly logging in to give you an updated balance. So as of today's date, we're at 52,302 as well. So it is good.\n\nYou are definitely up from where you were when you came on board. It's up from a couple of days ago as well. So the markets are showing a bit of recovery there. However, with the volatility, it has meant the markets have had some great performance, but we've also seen some really hefty downtimes in the last year as last few months as well. So your absolutely.\n\nYeah. So with your super, it is showing over the last twelve months, you do have a positive. It is a positive return of 3.06%. It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return. A lot of the other funds in the areas and industry funds have definitely been reporting negative returns over the past few months.\n\nSo to go through that and still come out with a positive return, we are happy to see. But I never sugarcoat it, and I will let you know it is lower than where we would like it to be for the first year. So it's understandable. Okay? Excellent.\n\nIt does say when I sort of have a look at all the investments within the super, everything is performing really well. Some of your best performers over the past twelve months have essentially been the Bank Hybrid, the defensive investments. Your physical gold is up very heavily, doing very, very well. The a 200 has been doing nicely to giving you exposure to the top 200 companies on the ASX. And even given what's happening between The US there, overall, the S and P five hundred's seen a positive result as well.\n\nSo it is really good to see that you've come out with a positive for the first year even though it has been a bit lower due to your market expectations. Okay? Nothing in there sort of flags to me to kind of move at the moment. What I do wanna kinda do, if you're comfortable with, I'll keep watching it over the next couple of months. We might even do a bit of a three monthly catch up for you in the next few months and see where we've sort of tracked from from today up to the next three months and just sort of see how your portfolio is tracking and whether we maybe make any changes to those investments.\n\nDoes that sound okay to yourself, or did you have any questions? Or Yep. Yeah. Yes. To defend in the investments there?\n\nYeah. So you are in, like, the S and P 500 and the a 200 there, and you do have a bit of cybersecurity. So you would definitely be invested in defense areas. Is that somewhere that you would not like to be invested? Or yeah.\n\nYeah. Absolutely. Absolutely. And you do have cybersecurity, and cybersecurity has taken a little bit more of a hit this in the last few months, generally, since about December. So cybersecurity also factors in ways and areas of defense indirectly as well.\n\nSo And I'll definitely just keep watching it. I do sort of look at all the investments and look at what they're doing and jump in and look at everyone's portfolios here and there to sort of see what's going on in in preparation for these sorts of things. So if there is anything that we maybe need to flag, we'll definitely look at doing that for you. But, look, if there's an area of interest for you as well, please let me know. I'm more than happy to investigate it for you and see what adding to your portfolio can do.\n\nYeah. Fantastic. Yeah. No. Absolutely.\n\nPerfect. So that's essentially your super. As I mentioned, you've got some port you've some portfolio reports now showing so that the different so the different time horizons that I've looked at is showing you where the portfolio is, but it's good that you are showing a positive result for the first year. We'll keep monitoring things. We'll keep doing catch ups with you to see where we're tracking.\n\nAnd with your contribution still going in, even through the downtime, you're still taking advantage and buying in and buying low. So it's really good to see that everything's still tracking, and we'll just make sure we keep tracking it and see where you are in the next three months and see if anything needs to be updated for your super. Okay? Excellent. No worries.\n\nNow the other thing, having a look here at your investment. So that has only just sort of come into play as of about November. For the first six months, essentially, you are down a little bit again because of what's happening with the markets in general. When I look at the the six monthly return, net is is that it's down about 1.93%. But then when we kinda break it down and look at the last sort of, you know, three months as a whole, after sort of the March, which is when we saw the biggest and the the largest kind of volatility, the biggest downtimes.\n\nYour portfolio has come back showing it's a positive of 0.69%. So it does show that whilst you are down overall since November with your investment, you are showing it is coming back, and it it has had a bit of a recovery point there. So we just need to let it kinda go through that, keep that dollar cost averaging going. And, again, same with your investment. We'll just revisit that the next three months, have a look at what's happening.\n\nI'll keep watching everything. And if maybe there's some flags that we need to maybe make some alterations to it, we'll definitely do that for you. But the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole. So it it's working really well. It's just been following the market trends.\n\nSo nothing in there is being flagged as, you know, being down because of anything serious, which is good. Okay. All good. Did you have any questions about that at all? I never wanna sugarcoat anything.\n\nI wanna sorta make sure I'm honest with you when the markets aren't performing as well as they should be, But just making sure that you're you're able to ask questions or if you have any concerns, you're welcome to let me know there as well. Okay? Sure. Yep. Yeah.\n\nYou're fine. So let me just pull up the advice document for you to reconfirm. Because I can see that there is an ongoing service fee on the account there, but it is expected to be about $49 for the year. But let me so just go back to jog my memory as well. Wanna make sure because if there is anything, I will go back and make it reflect.\n\nWhere are we? That's the superannuation one. The ongoing service fee here for this one. Yeah. It does.\n\nSorry about that. Yes. So I can see they have put the ongoing service fee on the account there, and it was meant to be held off until the balance reached that $10,000 mark. So what I will do is I will go back and make sure that's removed there for you, and I will organize to have the the difference there refunded for you. It's only a very small amount, but I'll make sure that that is applied for you.\n\nOkay? Sorry about that. No. That's okay. I do apologize for that.\n\nNo. No. That's okay. That's not a problem. I'll I'll have that rectified for you.\n\nIt's not an issue. I do apologize about that, Terry. Easy. I'll make sure it's all sorted for you. Thank you for flagging that with me.\n\nI do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified. Okay. Excellent. Easy. That's okay.\n\nNo. Not a problem at all. Easy done. The other thing to sorta have a a bit of a night talk about is your insurances. So we did obviously transfer your life and TPD over to hub twenty four from the Hostplus account there.\n\nWith the Hub twenty four insurance, they do increase slightly with indexation there as well. So it does actually show that as it's gone through renewal for the first year, the amount of your life and TBD held within the hub twenty four account is has gone back or increased to 231,612 and 42¢. With the life and TBD component, you're only paying about a $150 for the year for those. They're very minor with regard to that. Are you did you wanna review the life and TPD amounts?\n\nSo do you feel they're fine for the moment or fine with that? Not a Yeah. That's okay. Not a problem at all. The other thing to sort of go through is just sort of looking at your goals.\n\nSo we were sort of tracking towards looking at retirement. You were sort of hoping you're round about the age of 60 mark. Are we still the tracking board towards that? I know you've got a long time to go before that we get to that age. Yeah.\n\nYou have a long time to go. All good. Yeah. That's okay. Well, we'll keep tracking with that investment.\n\nI know part of having the investment portfolio was to be able to, you know, look towards purchasing a home and use some of the funds towards that possibly in the future. But, you know, if you wanted to kinda keep building it long term, we could definitely look at, you know, trying to build it up and increase the contributions down the track to kinda give you some sort of access early if you would like to look at doing that down the track. Yeah. Beautiful. Other than that, I did have that you you were traveling last year, and you made mention you've got some travel plans this year as well.\n\nYeah. On. Yep. Yep. Wow.\n\nYou've got a lot going on. Yeah. Absolutely. Absolutely. No.\n\nAwkward. And we sorta had a goal there looking to try and purchase a home in the next sort of two to five years. Is that still sort of the goal on when you'd like to purchase a home? Yep. Yeah.\n\nNo. Well, the other thing is and kinda one of the things I sort of pointed out to my husband last night was we were watching the budget board, and I was like, look. At the end of the day, they also have to get this through. So this they've sort of put out the the bill on what they want to occur, but then it does have to pass parliament and go through the segments as well. So we'll see what does and or doesn't pass.\n\nI know thinking about some of those changes, it would affect them as well. So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go. But then, also, we have a whole another budget coming next year as well. So anything could change in that time frame. Yeah.\n\nYep. Yep. Yep. Yep. Beautiful.\n\nBeautiful. And how much do you have in there at the moment? Okay. Perfect. Okay.\n\nYep. Yeah. Yeah. Absolutely. I can have a bit of a look around.\n\nYeah. No. That that's okay. I that's okay. Yep.\n\nYeah. Yep. Yep. Perfect. Yep.\n\nNo. Beautiful. That's all good. So working really well. So if you like, I can have a bit of a look around at high interest cash accounts versus 10 deposits and kind of do up a little bit of a strategy paper.\n\nJust take some time to kinda put it together for you. But I can give you a couple of options to kind of mull over and investigate to see if any of that picks your interest and helps you with your savings a little bit. Yep. Fantastic. Yeah.\n\nIt is very hard at the moment. It's been a little bit volatile in the markets, but then also with what we've had going on here, higher interest rates and the cat and, you know, money kind of isn't hitting the point we wanted to at the moment. But, yeah, hopefully, all of this sort of hopefully, it all kind of, you know, moves over a little bit sooner than we hope. I mean, sentiment in the market is still quite good. I know with speaking to some of the economists that we've had access to, they are still expecting inflation keep increasing.\n\nI know last night, they kinda mentioned 5%. Economists have kind of also been saying roughly around about that. We would hope inflation doesn't keep going that way because it kinda does devalue money a little bit faster, but also increases interest rates and makes it much harder for people to pay their mortgages and to borrow for serviceability. But I think we just sort of wait and see what kinda happens towards the middle of the year and then towards the end of the year, and hopefully, things sort of start to settle down a little bit. So I know they've kinda forecast that, you know, inflation will kinda pull back a little bit and hit around that 2.5% around mid next year, but I'd like it to like to see it happen a little bit faster.\n\nWe're sort of hoping that the budget might, you know, to help with that, but I don't think it is going to if they're still forecasting a five percent return. The budget hasn't done much at all. Oh, no. Yeah. Yes.\n\nYep. Absolutely. It is yeah. It it does. It makes it very much harder.\n\nAnd if if we if the property market keeps going the way it has been, it's just gonna price everybody out of the market. No one's gonna be able to buy unless you've got, you know, a really good proper deposit there, which means anyone, you know, 20 and under, as they kind of get closer to wanting to buy, it's just gonna be too hard. They're not gonna be able to save the minimum deposit. They're not gonna be out of for the repayments, and it's just gonna be too hard to to to buy in. So I hope it doesn't get that bad, especially as I've got a 19 to 20 year old daughter, and they're sort of wanting to save for their first time, but they're so scared.\n\nThey don't know how. They're, you know, trying to save as much as possible with every year that goes by. You know, they need a bit more money put aside, so it's it's not a it's a very difficult area for them to be in. Yeah. Yeah.\n\nNo. All good. I can see here Michelle updated your renting. So you're paying about $3.60 at the moment including bills. Is that right?\n\nRight. Yep. Okay. Perfect. Excellent.\n\nOkay. Beautiful. That's really good to see. Excellent. Yep.\n\nYep. No. No. Definitely not. Yeah.\n\nNo. Absolutely. And with your wow. Yep. Yeah.\n\nWow. Yeah. Wow. Yeah. And absolutely.\n\nAnd the note here says that you've been sort of working a lot more in Brisbane recently. So how's, like, fuel and driving and getting yourself to Brisbane? Yep. Yep. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nAbsolutely. Yeah. No. Definitely. I will certainly see how things go and hopefully, yeah, a little bit less traveling.\n\nI mean, it's nice that fuel prices have gone down for us for a little bit, but once that fuel excise cuts back in, a few fuel prices are properly gonna look up for us all again. It does. It does. The months fly by. It's already almost halfway through the year.\n\nIt's insane. Yep. Yep. Yep. Yeah.\n\nOh, it is. I know. The whole year is just flying by. They tell me as we get older and older, it gets faster and faster, and I honestly feel like that's what's happening. Yeah.\n\nYeah. No. That's it. That's it. That's it.\n\nNo. All good. All good. Other than that, the only sort of things to double check is I've got your car. You had a value of that last year of about 20,000.\n\nWould you still keep the value the same, or do you think you might decrease that a little bit? Yep. Yeah. You're right. You see.\n\nNo. That's okay. Yep. Okay. Beautiful.\n\nBeautiful. You'll have that paid off in no time. Yep. Abs yep. Yeah.\n\nWow. And it's gone fast. Absolutely. No. All good.\n\nAll good. Yep. Yep. Yes. Yep.\n\nOkay. That's pretty good. Yeah. Yeah. Yeah.\n\nAbsolutely. No. Definitely. Oh, it's working working well. Fantastic.\n\nAnd I can see with those contributions, your employer was paying those voluntary, so claiming your notice of intent, but they've changed it. So they're going in and taxes being they're going in sort of as more of a salary sacrifice kinda contribution now. So there's no need to claim that notice of intent. Yeah. No.\n\nI had a I had a look at the way just after we sort of set everything up, I looked at the contributions and went, wow. They're actually they're concessional now. So they used to be non concessional, and we still have to claim that notice of intent. But they've changed them, so they're all going through concessionally now. So it still works your favorite, still concessional.\n\nIt's just that we don't have to claim that one extra step. Yeah. Yeah. Yep. Perfect.\n\nAnd then you get to find what you're after, go house hunting and look around. Yeah. Yes. Yep. Yeah.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nNo. Mhmm. Yeah. Wow. Wow.\n\nNo. No. All good. All good. Well, that's basically everything I need to run through.\n\nI can see your beneficiaries are all up to date. We got legal personal representatives that all goes to your will, which is what we discussed last year, which is fantastic. There's no real changes to your goals, which is good. I have already messaged off to a head of advice to have that ID the investment account fixed up for you, and I've sent the annual review docs through. So feel free to have a look at them.\n\nIf you're happy to stay on board, I'll get you to sign and return those back for me. That's the ongoing service agreement and the change of address form for the MyNorth, and we'll have that sent off and updated for you. And we'll do a catch up in about three months and see where the markets are going and see what's happening in that time. And I'll do a little bit of research for you just on some term deposits and high interest accounts to sort of give you an idea of what else is out there. Okay?\n\nAnd you see, that's okay. If there's anything else you need, please let me know, Terry. Happy to make time. And I've made a little note on here as well that just when we call next time, just to check whether you wanna kinda come into the office or whether you prefer the phone to see you can kinda decide what suits you. Okay?\n\nFantastic. That's okay. I hope you have a good relaxing afternoon. Thanks, Darrie. I'll talk to you soon.\n\nThanks for your time. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Terry.","start":3.4399998,"end":4.0,"sentiment":"neutral","sentiment_score":0.09415432810783386},{"text":"It's Dana from Mokie Financial.","start":4.0,"end":5.54,"sentiment":"neutral","sentiment_score":0.13768144994974135},{"text":"Can you hear me okay?","start":5.68,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.09097130447626114},{"text":"I'm very well.","start":9.28,"end":10.32,"sentiment":"positive","sentiment_score":0.6115444501241049},{"text":"Thank you.","start":10.32,"end":10.8,"sentiment":"positive","sentiment_score":0.6627317070960999}],"sentiment":"neutral","sentiment_score":0.26421583487707023,"num_words":17,"start":3.4399998,"end":10.8},{"sentences":[{"text":"How's your afternoon been?","start":10.8,"end":12.5,"sentiment":"neutral","sentiment_score":0.21519246697425842},{"text":"Yeah.","start":18.005,"end":18.505,"sentiment":"neutral","sentiment_score":0.020162753760814667},{"text":"No.","start":18.645,"end":19.125,"sentiment":"neutral","sentiment_score":-0.053541362285614014},{"text":"Understandable.","start":19.125,"end":19.625,"sentiment":"neutral","sentiment_score":-0.05099796503782272},{"text":"I do apologize about the confusion with the appointment there.","start":20.005,"end":22.805,"sentiment":"neutral","sentiment_score":-0.16165813356637954}],"sentiment":"neutral","sentiment_score":-0.04942282596055199,"num_words":17,"start":10.8,"end":22.805},{"sentences":[{"text":"I know you do normally like to come into the office and run through things.","start":22.805,"end":25.945,"sentiment":"neutral","sentiment_score":-0.03802952145536741},{"text":"Yeah.","start":30.380001,"end":30.880001,"sentiment":"neutral","sentiment_score":-0.04185253381729126},{"text":"That's okay.","start":31.42,"end":37.52,"sentiment":"neutral","sentiment_score":-0.056113068014383316},{"text":"Oh, that's really unusual, isn't it?","start":37.66,"end":40.16,"sentiment":"neutral","sentiment_score":-0.14273505037029585},{"text":"Yeah.","start":42.415,"end":42.495,"sentiment":"neutral","sentiment_score":0.001972193829715252}],"sentiment":"neutral","sentiment_score":-0.06315838400274515,"num_words":25,"start":22.805,"end":42.495},{"sentences":[{"text":"Yeah.","start":42.495,"end":42.815002,"sentiment":"neutral","sentiment_score":-0.0009379256516695024},{"text":"No.","start":42.815002,"end":43.135002,"sentiment":"neutral","sentiment_score":-0.017047833651304245},{"text":"Look.","start":43.135002,"end":43.375,"sentiment":"neutral","sentiment_score":0.023786362260580063},{"text":"We we got connected now.","start":43.375,"end":44.575,"sentiment":"neutral","sentiment_score":0.09090736582875251},{"text":"That's the main thing.","start":44.575,"end":45.635002,"sentiment":"neutral","sentiment_score":0.13546036183834076}],"sentiment":"neutral","sentiment_score":0.08351490662122767,"num_words":12,"start":42.495,"end":45.635002},{"sentences":[{"text":"All good.","start":47.935,"end":48.515,"sentiment":"positive","sentiment_score":0.3431210517883301},{"text":"Just confirming, are you driving or are you able to look at your emails at the moment?","start":49.215,"end":53.315002,"sentiment":"neutral","sentiment_score":0.07037278965992086},{"text":"Or yep.","start":53.455,"end":58.05,"sentiment":"neutral","sentiment_score":0.045740993693470955},{"text":"That's okay.","start":60.190002,"end":60.83,"sentiment":"neutral","sentiment_score":0.23590683937072754},{"text":"That's not a problem at all.","start":60.83,"end":61.95,"sentiment":"positive","sentiment_score":0.3428013324737549}],"sentiment":"neutral","sentiment_score":0.1552649375436635,"num_words":29,"start":47.935,"end":61.95},{"sentences":[{"text":"If you like, what I can do is I can run through things, give you a bit of an update on where everything's up to.","start":61.95,"end":66.585,"sentiment":"neutral","sentiment_score":0.22283652544021607},{"text":"We can sort of have a bit of a general chat about where things are going, what your goals are, and then we can kind of I'll send you the documents as well so that you can always run through and have a bit of a look at them after the call as well if you like.","start":67.065,"end":78.925,"sentiment":"neutral","sentiment_score":0.16662680311945446},{"text":"Yep.","start":80.87,"end":81.35,"sentiment":"neutral","sentiment_score":0.2768692374229431},{"text":"Fantastic.","start":81.35,"end":81.85,"sentiment":"positive","sentiment_score":0.5836553573608398},{"text":"Now before I jump in the call and run through things with you, I do have to let you know we do record our calls moving forward for training and quality purposes.","start":82.63,"end":88.87,"sentiment":"neutral","sentiment_score":0.2437019138596952}],"sentiment":"neutral","sentiment_score":0.20454850648369255,"num_words":116,"start":61.95,"end":88.87},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":88.87,"end":91.05,"sentiment":"neutral","sentiment_score":0.23455586201614803},{"text":"Beautiful.","start":93.045,"end":93.545,"sentiment":"positive","sentiment_score":0.39745092391967773},{"text":"And just to do security there with you as well, we're discussing your personal information.","start":93.685,"end":97.285,"sentiment":"neutral","sentiment_score":0.18482638597488404},{"text":"So I'll just need to confirm your full name, your date of birth, and address I should have on file.","start":97.285,"end":101.545,"sentiment":"neutral","sentiment_score":0.13875639475882054},{"text":"Yep.","start":104.1,"end":104.6,"sentiment":"neutral","sentiment_score":0.02522527053952217}],"sentiment":"neutral","sentiment_score":0.17567831820443922,"num_words":46,"start":88.87,"end":104.6},{"sentences":[{"text":"Mhmm.","start":105.94,"end":106.44,"sentiment":"neutral","sentiment_score":0.022087249904870987},{"text":"Beautiful.","start":108.9,"end":109.4,"sentiment":"positive","sentiment_score":0.4518115520477295},{"text":"Lovely.","start":109.62,"end":110.02,"sentiment":"positive","sentiment_score":0.5275893211364746},{"text":"Thank you so much for that.","start":110.02,"end":111.56,"sentiment":"positive","sentiment_score":0.5995767712593079},{"text":"Now as part of the annual review docs that I'll send through to you, I'll press send on those now if they do come through to your email for you to review afterwards.","start":111.78,"end":118.84,"sentiment":"neutral","sentiment_score":0.05630944262851368}],"sentiment":"neutral","sentiment_score":0.15374191327109224,"num_words":42,"start":105.94,"end":118.84},{"sentences":[{"text":"I know you spoke to Michelle about updating your address.","start":119.615,"end":122.335,"sentiment":"neutral","sentiment_score":0.04757651314139366},{"text":"So she's been able to update that on the hub 24 platform for your super.","start":122.335,"end":126.195,"sentiment":"neutral","sentiment_score":0.1212008128563563},{"text":"It's just with the MyNorth platform.","start":126.255,"end":128.015,"sentiment":"neutral","sentiment_score":0.08793317650755246},{"text":"We just need to get a form signed to complete that.","start":128.015,"end":130.415,"sentiment":"neutral","sentiment_score":0.0721802491356026},{"text":"So we've attached that to your annual review documents there as well.","start":130.415,"end":133.795,"sentiment":"neutral","sentiment_score":0.05753923517962297}],"sentiment":"neutral","sentiment_score":0.07973759159169815,"num_words":54,"start":119.615,"end":133.795},{"sentences":[{"text":"It does also have attached beautiful.","start":134.69,"end":137.43,"sentiment":"neutral","sentiment_score":0.22486799086133638},{"text":"It does also have attached to the ongoing service agreements.","start":138.20999,"end":141.01,"sentiment":"neutral","sentiment_score":0.23603263646364211},{"text":"If you're happy to continue board onboard for the next twelve months there, that is attached.","start":141.01,"end":145.03,"sentiment":"neutral","sentiment_score":0.19760725321248174},{"text":"It's only attached to the hub twenty four super account because the one for your investment doesn't actually expire until the November, so we'll make sure we update that down the track for you.","start":145.49,"end":155.985,"sentiment":"neutral","sentiment_score":0.11563062514452373},{"text":"And then we also just got some compliance documents attached there for you to review some some portfolio reports that I'll run through for you.","start":157.085,"end":164.09,"sentiment":"neutral","sentiment_score":0.0946107417345047}],"sentiment":"neutral","sentiment_score":0.1447028588953909,"num_words":91,"start":134.69,"end":164.09},{"sentences":[{"text":"It's also got our financial services guide, the index chart that we went through last year.","start":164.39,"end":169.37,"sentiment":"neutral","sentiment_score":0.0767558622173965},{"text":"I'm just showing you how the market ups and downs can affect over time and just a couple of additional reports in there for you to kind of have a really good look through.","start":169.43,"end":178.295,"sentiment":"neutral","sentiment_score":0.10196852957939401},{"text":"Okay?","start":180.355,"end":180.855,"sentiment":"neutral","sentiment_score":0.15170666575431824},{"text":"All good.","start":180.995,"end":181.81499,"sentiment":"neutral","sentiment_score":0.3226786404848099},{"text":"So how's everything been otherwise?","start":182.275,"end":184.11499,"sentiment":"neutral","sentiment_score":0.04712670594453812}],"sentiment":"neutral","sentiment_score":0.09875381513145463,"num_words":58,"start":164.39,"end":184.11499},{"sentences":[{"text":"I know you've got a pay increase, which is fantastic.","start":184.11499,"end":186.375,"sentiment":"positive","sentiment_score":0.37757802903652193},{"text":"Congratulations.","start":186.59499,"end":187.09499,"sentiment":"positive","sentiment_score":0.6306651830673218},{"text":"Excellent.","start":191.49,"end":191.99,"sentiment":"positive","sentiment_score":0.572856605052948},{"text":"And it does mean, obviously, your contributions have increased there as well, which is great to see.","start":192.61,"end":197.27,"sentiment":"positive","sentiment_score":0.48050331543473634},{"text":"Having a look, now you've you're getting that additional contributions into the extra 5% on top of your wage.","start":197.97,"end":203.75,"sentiment":"neutral","sentiment_score":0.22942609536020378}],"sentiment":"positive","sentiment_score":0.3647282135983308,"num_words":48,"start":184.11499,"end":203.75},{"sentences":[{"text":"Just wanted to double check there because it Hub twenty four doesn't doesn't kind of note everything individually, but it looks like you're not salary sacrificing the additional.","start":204.28499,"end":214.06499,"sentiment":"neutral","sentiment_score":-0.007653406139330141},{"text":"Are you wanting to sort of take on that and start salary sacrificing into soup, or are you happy just to not for the moment?","start":214.125,"end":220.54,"sentiment":"neutral","sentiment_score":-0.11698578685522079},{"text":"Hold off.","start":224.52,"end":225.0,"sentiment":"neutral","sentiment_score":-0.07885196432471275},{"text":"That's fine.","start":225.0,"end":225.9,"sentiment":"neutral","sentiment_score":-0.02100999653339386},{"text":"Yeah.","start":229.415,"end":229.915,"sentiment":"neutral","sentiment_score":0.001475851982831955}],"sentiment":"neutral","sentiment_score":-0.05753772608646802,"num_words":58,"start":204.28499,"end":229.915},{"sentences":[{"text":"Yeah.","start":230.295,"end":230.615,"sentiment":"neutral","sentiment_score":0.02319047972559929},{"text":"Yeah.","start":230.615,"end":230.935,"sentiment":"neutral","sentiment_score":0.012350549921393394},{"text":"That's okay.","start":230.935,"end":231.755,"sentiment":"neutral","sentiment_score":0.010699591599404812},{"text":"Yeah.","start":237.015,"end":237.415,"sentiment":"neutral","sentiment_score":0.0234819483011961},{"text":"No.","start":237.415,"end":237.655,"sentiment":"neutral","sentiment_score":0.13406780362129211}],"sentiment":"neutral","sentiment_score":0.035748327461381756,"num_words":6,"start":230.295,"end":237.655},{"sentences":[{"text":"That's fantastic.","start":237.655,"end":238.475,"sentiment":"positive","sentiment_score":0.5560913234949112},{"text":"That's not a problem at all.","start":238.615,"end":240.155,"sentiment":"positive","sentiment_score":0.4421774595975876},{"text":"I'll just make a note of it in the back end.","start":240.215,"end":241.815,"sentiment":"neutral","sentiment_score":0.27433405681089923},{"text":"And if you decide you wanna reassess, reassess or look at that again down the track, let me know.","start":241.815,"end":245.63,"sentiment":"neutral","sentiment_score":0.17956600495074926},{"text":"I'm more than happy to.","start":245.63,"end":246.99,"sentiment":"positive","sentiment_score":0.5659264087677002}],"sentiment":"neutral","sentiment_score":0.3028908876139064,"num_words":43,"start":237.655,"end":246.99},{"sentences":[{"text":"Okay?","start":246.99,"end":247.49,"sentiment":"neutral","sentiment_score":0.2318805456161499},{"text":"Fantastic.","start":249.63,"end":250.13,"sentiment":"positive","sentiment_score":0.6029552221298218},{"text":"All good.","start":250.75,"end":251.49,"sentiment":"positive","sentiment_score":0.48651739954948425},{"text":"Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there.","start":251.63,"end":257.685,"sentiment":"neutral","sentiment_score":0.06645369078173782},{"text":"You've probably also had a bit of a understanding of what's been going on in the news.","start":257.845,"end":261.285,"sentiment":"neutral","sentiment_score":-0.00007542167954585132}],"sentiment":"neutral","sentiment_score":0.07406592952018534,"num_words":54,"start":246.99,"end":261.285},{"sentences":[{"text":"The markets have been very up and down this year.","start":261.285,"end":264.085,"sentiment":"neutral","sentiment_score":-0.1750529333949089},{"text":"We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news.","start":264.085,"end":271.625,"sentiment":"neutral","sentiment_score":-0.11275064020321288},{"text":"It is at the moment, isn't it?","start":275.0,"end":276.76,"sentiment":"neutral","sentiment_score":-0.08432770999414581},{"text":"Well, it does sort of mean that with a lot of that going on, there has been a lot of unstability, sorry, in the markets there.","start":276.76,"end":283.16,"sentiment":"neutral","sentiment_score":-0.1314419493652307},{"text":"So investors have been a little bit wary of what's been going on, and it does mean the markets have been going up and down.","start":283.16,"end":290.545,"sentiment":"neutral","sentiment_score":-0.16402262270450593}],"sentiment":"neutral","sentiment_score":-0.13534688784443227,"num_words":97,"start":261.285,"end":290.545},{"sentences":[{"text":"We've had a lot of volatility to sort of withstand.","start":290.545,"end":292.80502,"sentiment":"neutral","sentiment_score":-0.14872272685170174},{"text":"Your balance in your hub 20 super as of the May 11, which is when we completed this document here, It does show 52,237 and 45¢ there.","start":293.665,"end":305.47998,"sentiment":"neutral","sentiment_score":0.014908344950526953},{"text":"I'm just quickly logging in to give you an updated balance.","start":305.47998,"end":308.3,"sentiment":"neutral","sentiment_score":0.06738624146038835},{"text":"So as of today's date, we're at 52,302 as well.","start":308.52,"end":313.15997,"sentiment":"neutral","sentiment_score":0.0693795595318079},{"text":"So it is good.","start":313.15997,"end":314.14502,"sentiment":"positive","sentiment_score":0.3586513549089432}],"sentiment":"neutral","sentiment_score":0.029017038872373887,"num_words":62,"start":290.545,"end":314.14502},{"sentences":[{"text":"You are definitely up from where you were when you came on board.","start":314.14502,"end":317.125,"sentiment":"neutral","sentiment_score":0.17190107015463021},{"text":"It's up from a couple of days ago as well.","start":317.345,"end":319.505,"sentiment":"neutral","sentiment_score":0.039130624011158945},{"text":"So the markets are showing a bit of recovery there.","start":319.505,"end":322.08502,"sentiment":"neutral","sentiment_score":-0.012525950744748115},{"text":"However, with the volatility, it has meant the markets have had some great performance, but we've also seen some really hefty downtimes in the last year as last few months as well.","start":322.625,"end":332.63998,"sentiment":"neutral","sentiment_score":-0.23242877190932631},{"text":"So your absolutely.","start":332.63998,"end":336.58,"sentiment":"neutral","sentiment_score":0.1807971770564715}],"sentiment":"neutral","sentiment_score":-0.06462600772433422,"num_words":68,"start":314.14502,"end":336.58},{"sentences":[{"text":"Yeah.","start":337.28,"end":337.78,"sentiment":"positive","sentiment_score":0.3869684636592865},{"text":"So with your super, it is showing over the last twelve months, you do have a positive.","start":338.16,"end":342.735,"sentiment":"positive","sentiment_score":0.5606636843260597},{"text":"It is a positive return of 3.06%.","start":342.735,"end":345.79498,"sentiment":"positive","sentiment_score":0.6505415695054191},{"text":"It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return.","start":346.095,"end":359.76,"sentiment":"neutral","sentiment_score":0.2534624383134662},{"text":"A lot of the other funds in the areas and industry funds have definitely been reporting negative returns over the past few months.","start":360.30002,"end":366.7,"sentiment":"neutral","sentiment_score":-0.3090084400837836}],"sentiment":"neutral","sentiment_score":0.20592432863789029,"num_words":101,"start":337.28,"end":366.7},{"sentences":[{"text":"So to go through that and still come out with a positive return, we are happy to see.","start":366.7,"end":370.96002,"sentiment":"neutral","sentiment_score":0.05920205141107241},{"text":"But I never sugarcoat it, and I will let you know it is lower than where we would like it to be for the first year.","start":371.205,"end":376.085,"sentiment":"neutral","sentiment_score":-0.279302516235755},{"text":"So it's understandable.","start":376.085,"end":377.065,"sentiment":"neutral","sentiment_score":-0.08997744818528493},{"text":"Okay?","start":377.525,"end":378.025,"sentiment":"neutral","sentiment_score":-0.02424868196249008},{"text":"Excellent.","start":379.685,"end":380.185,"sentiment":"positive","sentiment_score":0.44470930099487305}],"sentiment":"neutral","sentiment_score":-0.12338163718885305,"num_words":49,"start":366.7,"end":380.185},{"sentences":[{"text":"It does say when I sort of have a look at all the investments within the super, everything is performing really well.","start":381.685,"end":387.1,"sentiment":"neutral","sentiment_score":0.3215467062863437},{"text":"Some of your best performers over the past twelve months have essentially been the Bank Hybrid, the defensive investments.","start":387.48,"end":394.36002,"sentiment":"positive","sentiment_score":0.42498219797485753},{"text":"Your physical gold is up very heavily, doing very, very well.","start":394.36002,"end":398.06,"sentiment":"positive","sentiment_score":0.5314619080586866},{"text":"The a 200 has been doing nicely to giving you exposure to the top 200 companies on the ASX.","start":398.44498,"end":404.06497,"sentiment":"positive","sentiment_score":0.4623195936805324},{"text":"And even given what's happening between The US there, overall, the S and P five hundred's seen a positive result as well.","start":404.44498,"end":411.405,"sentiment":"positive","sentiment_score":0.36940600790760736}],"sentiment":"positive","sentiment_score":0.4075889757243536,"num_words":93,"start":381.685,"end":411.405},{"sentences":[{"text":"So it is really good to see that you've come out with a positive for the first year even though it has been a bit lower due to your market expectations.","start":411.405,"end":419.44,"sentiment":"positive","sentiment_score":0.46935275076858457},{"text":"Okay?","start":419.9,"end":420.4,"sentiment":"neutral","sentiment_score":0.09329202771186829},{"text":"Nothing in there sort of flags to me to kind of move at the moment.","start":422.78,"end":426.455,"sentiment":"neutral","sentiment_score":-0.10867347071568172},{"text":"What I do wanna kinda do, if you're comfortable with, I'll keep watching it over the next couple of months.","start":426.755,"end":431.415,"sentiment":"neutral","sentiment_score":0.13076419122517108},{"text":"We might even do a bit of a three monthly catch up for you in the next few months and see where we've sort of tracked from from today up to the next three months and just sort of see how your portfolio is tracking and whether we maybe make any changes to those investments.","start":431.63498,"end":444.58,"sentiment":"neutral","sentiment_score":0.12472231984138489}],"sentiment":"neutral","sentiment_score":0.18432898898837996,"num_words":122,"start":411.405,"end":444.58},{"sentences":[{"text":"Does that sound okay to yourself, or did you have any questions?","start":444.58,"end":447.72,"sentiment":"neutral","sentiment_score":0.09722281123201053},{"text":"Or Yep.","start":447.78,"end":453.255,"sentiment":"neutral","sentiment_score":0.04647079296410084},{"text":"Yeah.","start":460.67502,"end":461.17502,"sentiment":"neutral","sentiment_score":-0.004125635139644146},{"text":"Yes.","start":464.28998,"end":464.78998,"sentiment":"neutral","sentiment_score":-0.009885815903544426},{"text":"To defend in the investments there?","start":470.53,"end":472.63,"sentiment":"neutral","sentiment_score":-0.009656152998407682}],"sentiment":"neutral","sentiment_score":0.05398486143994061,"num_words":22,"start":444.58,"end":472.63},{"sentences":[{"text":"Yeah.","start":474.545,"end":475.025,"sentiment":"neutral","sentiment_score":-0.0011247126385569572},{"text":"So you are in, like, the S and P 500 and the a 200 there, and you do have a bit of cybersecurity.","start":475.025,"end":480.725,"sentiment":"neutral","sentiment_score":0.00838518486884625},{"text":"So you would definitely be invested in defense areas.","start":481.745,"end":485.105,"sentiment":"neutral","sentiment_score":-0.001494737962881724},{"text":"Is that somewhere that you would not like to be invested?","start":485.105,"end":487.605,"sentiment":"neutral","sentiment_score":-0.07742023129354823},{"text":"Or yeah.","start":487.745,"end":500.62997,"sentiment":"neutral","sentiment_score":-0.043198720552027225}],"sentiment":"neutral","sentiment_score":-0.016516045383785084,"num_words":46,"start":474.545,"end":500.62997},{"sentences":[{"text":"Yeah.","start":500.62997,"end":501.12997,"sentiment":"neutral","sentiment_score":0.014720157720148563},{"text":"Absolutely.","start":501.19,"end":501.69,"sentiment":"neutral","sentiment_score":0.10566458106040956},{"text":"Absolutely.","start":502.815,"end":503.315,"sentiment":"neutral","sentiment_score":0.11197492480278017},{"text":"And you do have cybersecurity, and cybersecurity has taken a little bit more of a hit this in the last few months, generally, since about December.","start":503.45502,"end":510.435,"sentiment":"neutral","sentiment_score":-0.025375956024688024},{"text":"So cybersecurity also factors in ways and areas of defense indirectly as well.","start":511.05502,"end":514.7475,"sentiment":"neutral","sentiment_score":0.0007322129721824942}],"sentiment":"neutral","sentiment_score":-0.009949914867147094,"num_words":42,"start":500.62997,"end":514.7475},{"sentences":[{"text":"So And I'll definitely just keep watching it.","start":514.7475,"end":520.68,"sentiment":"neutral","sentiment_score":0.10186471254564822},{"text":"I do sort of look at all the investments and look at what they're doing and jump in and look at everyone's portfolios here and there to sort of see what's going on in in preparation for these sorts of things.","start":520.68,"end":529.855,"sentiment":"neutral","sentiment_score":0.09963169166954552},{"text":"So if there is anything that we maybe need to flag, we'll definitely look at doing that for you.","start":529.855,"end":534.735,"sentiment":"neutral","sentiment_score":0.07887707003637363},{"text":"But, look, if there's an area of interest for you as well, please let me know.","start":534.735,"end":538.255,"sentiment":"neutral","sentiment_score":0.11025112960487604},{"text":"I'm more than happy to investigate it for you and see what adding to your portfolio can do.","start":538.255,"end":542.67,"sentiment":"neutral","sentiment_score":0.3186417304807239}],"sentiment":"neutral","sentiment_score":0.13625539815528134,"num_words":102,"start":514.7475,"end":542.67},{"sentences":[{"text":"Yeah.","start":542.91,"end":543.41,"sentiment":"neutral","sentiment_score":0.08797089755535126},{"text":"Fantastic.","start":545.70996,"end":546.20996,"sentiment":"positive","sentiment_score":0.3614220321178436},{"text":"Yeah.","start":552.02997,"end":552.52997,"sentiment":"neutral","sentiment_score":0.03374825417995453},{"text":"No.","start":552.58997,"end":552.91,"sentiment":"neutral","sentiment_score":0.060786206275224686},{"text":"Absolutely.","start":552.91,"end":553.41,"sentiment":"neutral","sentiment_score":0.14002680778503418}],"sentiment":"neutral","sentiment_score":0.13679083958268165,"num_words":5,"start":542.91,"end":553.41},{"sentences":[{"text":"Perfect.","start":555.645,"end":556.145,"sentiment":"positive","sentiment_score":0.41125571727752686},{"text":"So that's essentially your super.","start":556.765,"end":558.205,"sentiment":"neutral","sentiment_score":0.32974016666412354},{"text":"As I mentioned, you've got some port you've some portfolio reports now showing so that the different so the different time horizons that I've looked at is showing you where the portfolio is, but it's good that you are showing a positive result for the first year.","start":558.205,"end":570.74,"sentiment":"positive","sentiment_score":0.39838462655848644},{"text":"We'll keep monitoring things.","start":570.74,"end":571.86,"sentiment":"neutral","sentiment_score":0.320058710873127},{"text":"We'll keep doing catch ups with you to see where we're tracking.","start":571.86,"end":574.52,"sentiment":"neutral","sentiment_score":0.22620299023886523}],"sentiment":"positive","sentiment_score":0.35911166268414346,"num_words":69,"start":555.645,"end":574.52},{"sentences":[{"text":"And with your contribution still going in, even through the downtime, you're still taking advantage and buying in and buying low.","start":574.98,"end":582.325,"sentiment":"positive","sentiment_score":0.383939564937637},{"text":"So it's really good to see that everything's still tracking, and we'll just make sure we keep tracking it and see where you are in the next three months and see if anything needs to be updated for your super.","start":582.325,"end":591.54504,"sentiment":"positive","sentiment_score":0.4715531788766384},{"text":"Okay?","start":591.765,"end":592.265,"sentiment":"neutral","sentiment_score":0.26024866104125977},{"text":"Excellent.","start":594.44,"end":594.94,"sentiment":"positive","sentiment_score":0.6212620139122009},{"text":"No worries.","start":595.24005,"end":596.06,"sentiment":"neutral","sentiment_score":0.2359069436788559}],"sentiment":"positive","sentiment_score":0.4350489627856475,"num_words":65,"start":574.98,"end":596.06},{"sentences":[{"text":"Now the other thing, having a look here at your investment.","start":596.52,"end":599.18005,"sentiment":"neutral","sentiment_score":0.05043582025576721},{"text":"So that has only just sort of come into play as of about November.","start":599.32,"end":604.14,"sentiment":"neutral","sentiment_score":-0.00022201526111790125},{"text":"For the first six months, essentially, you are down a little bit again because of what's happening with the markets in general.","start":604.52,"end":610.525,"sentiment":"neutral","sentiment_score":-0.1220300578596917},{"text":"When I look at the the six monthly return, net is is that it's down about 1.93%.","start":611.065,"end":617.005,"sentiment":"neutral","sentiment_score":-0.0321372769334737},{"text":"But then when we kinda break it down and look at the last sort of, you know, three months as a whole, after sort of the March, which is when we saw the biggest and the the largest kind of volatility, the biggest downtimes.","start":617.225,"end":629.66003,"sentiment":"neutral","sentiment_score":-0.02774661567739465}],"sentiment":"neutral","sentiment_score":-0.03611259501323932,"num_words":108,"start":596.52,"end":629.66003},{"sentences":[{"text":"Your portfolio has come back showing it's a positive of 0.69%.","start":630.12,"end":634.395,"sentiment":"neutral","sentiment_score":0.12297128818251869},{"text":"So it does show that whilst you are down overall since November with your investment, you are showing it is coming back, and it it has had a bit of a recovery point there.","start":634.47504,"end":644.555,"sentiment":"neutral","sentiment_score":0.015570370480418205},{"text":"So we just need to let it kinda go through that, keep that dollar cost averaging going.","start":644.555,"end":649.21,"sentiment":"neutral","sentiment_score":0.028872260385576415},{"text":"And, again, same with your investment.","start":649.21,"end":650.99,"sentiment":"neutral","sentiment_score":0.05723381539185842},{"text":"We'll just revisit that the next three months, have a look at what's happening.","start":651.37,"end":654.81,"sentiment":"neutral","sentiment_score":0.07231547550431319}],"sentiment":"neutral","sentiment_score":0.04547225295497877,"num_words":82,"start":630.12,"end":654.81},{"sentences":[{"text":"I'll keep watching everything.","start":654.81,"end":656.19,"sentiment":"neutral","sentiment_score":0.12471327558159828},{"text":"And if maybe there's some flags that we need to maybe make some alterations to it, we'll definitely do that for you.","start":656.65,"end":661.93,"sentiment":"neutral","sentiment_score":0.08306685894389045},{"text":"But the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole.","start":661.93,"end":670.485,"sentiment":"neutral","sentiment_score":0.3052585850159327},{"text":"So it it's working really well.","start":671.185,"end":673.025,"sentiment":"positive","sentiment_score":0.58069675664107},{"text":"It's just been following the market trends.","start":673.025,"end":675.265,"sentiment":"positive","sentiment_score":0.3624624844108309}],"sentiment":"neutral","sentiment_score":0.25370289101872756,"num_words":69,"start":654.81,"end":675.265},{"sentences":[{"text":"So nothing in there is being flagged as, you know, being down because of anything serious, which is good.","start":675.265,"end":681.26,"sentiment":"neutral","sentiment_score":0.009054357676129592},{"text":"Okay.","start":681.32,"end":681.82,"sentiment":"neutral","sentiment_score":0.17346680164337158},{"text":"All good.","start":683.32,"end":683.88,"sentiment":"positive","sentiment_score":0.47648464143276215},{"text":"Did you have any questions about that at all?","start":683.88,"end":686.2,"sentiment":"neutral","sentiment_score":0.10119687848620945},{"text":"I never wanna sugarcoat anything.","start":686.2,"end":687.96,"sentiment":"neutral","sentiment_score":-0.08276784084737301}],"sentiment":"neutral","sentiment_score":0.04987226618039939,"num_words":36,"start":675.265,"end":687.96},{"sentences":[{"text":"I wanna sorta make sure I'm honest with you when the markets aren't performing as well as they should be, But just making sure that you're you're able to ask questions or if you have any concerns, you're welcome to let me know there as well.","start":687.96,"end":698.745,"sentiment":"neutral","sentiment_score":0.22292940261895242},{"text":"Okay?","start":698.745,"end":699.245,"sentiment":"neutral","sentiment_score":0.10723553597927094},{"text":"Sure.","start":702.745,"end":703.245,"sentiment":"neutral","sentiment_score":-0.004707330837845802},{"text":"Yep.","start":705.88,"end":706.38,"sentiment":"neutral","sentiment_score":-0.013813678175210953},{"text":"Yeah.","start":713.72003,"end":713.96,"sentiment":"neutral","sentiment_score":0.06851111352443695}],"sentiment":"neutral","sentiment_score":0.20823956321924925,"num_words":50,"start":687.96,"end":713.96},{"sentences":[{"text":"You're fine.","start":713.96,"end":714.78,"sentiment":"neutral","sentiment_score":0.16590400785207748},{"text":"So let me just pull up the advice document for you to reconfirm.","start":725.575,"end":729.675,"sentiment":"neutral","sentiment_score":0.0621061476950462},{"text":"Because I can see that there is an ongoing service fee on the account there, but it is expected to be about $49 for the year.","start":730.37,"end":739.73,"sentiment":"neutral","sentiment_score":0.017311418643937662},{"text":"But let me so just go back to jog my memory as well.","start":739.73,"end":742.79,"sentiment":"neutral","sentiment_score":0.04034171855220428},{"text":"Wanna make sure because if there is anything, I will go back and make it reflect.","start":742.925,"end":746.94495,"sentiment":"neutral","sentiment_score":0.022299170726910233}],"sentiment":"neutral","sentiment_score":0.035293055618447915,"num_words":70,"start":713.96,"end":746.94495},{"sentences":[{"text":"Where are we?","start":753.64496,"end":754.38495,"sentiment":"neutral","sentiment_score":-0.019999634784956772},{"text":"That's the superannuation one.","start":758.77997,"end":760.8,"sentiment":"neutral","sentiment_score":-0.02063071937300265},{"text":"The ongoing service fee here for this one.","start":761.74,"end":764.24,"sentiment":"neutral","sentiment_score":-0.01603416446596384},{"text":"Yeah.","start":764.45996,"end":764.94,"sentiment":"neutral","sentiment_score":0.018183542415499687},{"text":"It does.","start":764.94,"end":765.68,"sentiment":"neutral","sentiment_score":-0.0020290054380893707}],"sentiment":"neutral","sentiment_score":-0.014259420335292816,"num_words":18,"start":753.64496,"end":765.68},{"sentences":[{"text":"Sorry about that.","start":765.82,"end":766.875,"sentiment":"neutral","sentiment_score":-0.14084756871064505},{"text":"Yes.","start":767.195,"end":767.515,"sentiment":"neutral","sentiment_score":-0.000025287270545959473},{"text":"So I can see they have put the ongoing service fee on the account there, and it was meant to be held off until the balance reached that $10,000 mark.","start":767.515,"end":776.795,"sentiment":"neutral","sentiment_score":-0.05129757293810447},{"text":"So what I will do is I will go back and make sure that's removed there for you, and I will organize to have the the difference there refunded for you.","start":776.795,"end":786.37,"sentiment":"neutral","sentiment_score":0.006223476702167142},{"text":"It's only a very small amount, but I'll make sure that that is applied for you.","start":786.37,"end":790.20996,"sentiment":"neutral","sentiment_score":0.04923540726304054}],"sentiment":"neutral","sentiment_score":-0.01210865293296031,"num_words":81,"start":765.82,"end":790.20996},{"sentences":[{"text":"Okay?","start":790.20996,"end":790.70996,"sentiment":"neutral","sentiment_score":0.03638447821140289},{"text":"Sorry about that.","start":792.13,"end":792.93,"sentiment":"neutral","sentiment_score":-0.13643628358840942},{"text":"No.","start":792.93,"end":793.17,"sentiment":"neutral","sentiment_score":-0.08038770407438278},{"text":"That's okay.","start":793.17,"end":793.81,"sentiment":"neutral","sentiment_score":-0.03459363058209419},{"text":"I do apologize for that.","start":793.81,"end":795.43,"sentiment":"neutral","sentiment_score":-0.09366877675056458}],"sentiment":"neutral","sentiment_score":-0.08257026846210162,"num_words":12,"start":790.20996,"end":795.43},{"sentences":[{"text":"No.","start":803.82495,"end":804.32495,"sentiment":"neutral","sentiment_score":-0.1569444239139557},{"text":"No.","start":804.785,"end":805.185,"sentiment":"neutral","sentiment_score":-0.04306964576244354},{"text":"That's okay.","start":805.185,"end":805.90497,"sentiment":"neutral","sentiment_score":0.0514366291463375},{"text":"That's not a problem.","start":805.90497,"end":807.345,"sentiment":"neutral","sentiment_score":0.2442021667957306},{"text":"I'll I'll have that rectified for you.","start":807.345,"end":808.865,"sentiment":"neutral","sentiment_score":0.2316813085760389}],"sentiment":"neutral","sentiment_score":0.16676246772209805,"num_words":15,"start":803.82495,"end":808.865},{"sentences":[{"text":"It's not an issue.","start":808.865,"end":809.745,"sentiment":"neutral","sentiment_score":0.2030767761170864},{"text":"I do apologize about that, Terry.","start":809.745,"end":811.44495,"sentiment":"neutral","sentiment_score":0.12335932503143947},{"text":"Easy.","start":813.72003,"end":814.04004,"sentiment":"positive","sentiment_score":0.5740705728530884},{"text":"I'll make sure it's all sorted for you.","start":814.04004,"end":815.88,"sentiment":"positive","sentiment_score":0.4139739787206054},{"text":"Thank you for flagging that with me.","start":815.88,"end":817.4,"sentiment":"positive","sentiment_score":0.34995817712375094}],"sentiment":"neutral","sentiment_score":0.3033858729669681,"num_words":26,"start":808.865,"end":817.4},{"sentences":[{"text":"I do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified.","start":817.4,"end":824.22003,"sentiment":"neutral","sentiment_score":0.06821553242103807},{"text":"Okay.","start":824.68,"end":825.18,"sentiment":"neutral","sentiment_score":0.18047189712524417},{"text":"Excellent.","start":826.615,"end":827.115,"sentiment":"positive","sentiment_score":0.6609756946563721},{"text":"Easy.","start":827.415,"end":827.895,"sentiment":"positive","sentiment_score":0.576650857925415},{"text":"That's okay.","start":827.895,"end":828.615,"sentiment":"positive","sentiment_score":0.4190024584531784}],"sentiment":"neutral","sentiment_score":0.12453981784774977,"num_words":34,"start":817.4,"end":828.615},{"sentences":[{"text":"No.","start":828.615,"end":828.775,"sentiment":"neutral","sentiment_score":0.2036823034286499},{"text":"Not a problem at all.","start":828.775,"end":830.15497,"sentiment":"neutral","sentiment_score":0.2848345100879669},{"text":"Easy done.","start":830.295,"end":831.195,"sentiment":"positive","sentiment_score":0.4643428772687912},{"text":"The other thing to sorta have a a bit of a night talk about is your insurances.","start":831.65497,"end":835.275,"sentiment":"neutral","sentiment_score":0.03439174417187186},{"text":"So we did obviously transfer your life and TPD over to hub twenty four from the Hostplus account there.","start":835.415,"end":842.97003,"sentiment":"neutral","sentiment_score":0.038761791430021585}],"sentiment":"neutral","sentiment_score":0.08812896128405225,"num_words":44,"start":828.615,"end":842.97003},{"sentences":[{"text":"With the Hub twenty four insurance, they do increase slightly with indexation there as well.","start":843.19,"end":847.83,"sentiment":"neutral","sentiment_score":0.04085586443543434},{"text":"So it does actually show that as it's gone through renewal for the first year, the amount of your life and TBD held within the hub twenty four account is has gone back or increased to 231,612 and 42¢.","start":847.83,"end":861.86505,"sentiment":"neutral","sentiment_score":0.04369200246506616},{"text":"With the life and TBD component, you're only paying about a $150 for the year for those.","start":862.72504,"end":867.6,"sentiment":"neutral","sentiment_score":0.0008190671968109467},{"text":"They're very minor with regard to that.","start":867.6,"end":869.94,"sentiment":"neutral","sentiment_score":-0.1218979646052633},{"text":"Are you did you wanna review the life and TPD amounts?","start":870.48,"end":873.68,"sentiment":"neutral","sentiment_score":-0.017058851874687454}],"sentiment":"neutral","sentiment_score":0.01416051226922057,"num_words":89,"start":843.19,"end":873.68},{"sentences":[{"text":"So do you feel they're fine for the moment or fine with that?","start":873.68,"end":880.735,"sentiment":"neutral","sentiment_score":-0.017086593671522748},{"text":"Not a Yeah.","start":880.735,"end":882.995,"sentiment":"neutral","sentiment_score":-0.06072660287221273},{"text":"That's okay.","start":883.535,"end":884.255,"sentiment":"neutral","sentiment_score":0.10956709831953049},{"text":"Not a problem at all.","start":884.255,"end":885.795,"sentiment":"neutral","sentiment_score":0.07933625280857086},{"text":"The other thing to sort of go through is just sort of looking at your goals.","start":886.175,"end":888.975,"sentiment":"neutral","sentiment_score":0.031744883046485484}],"sentiment":"neutral","sentiment_score":0.01844687341228844,"num_words":39,"start":873.68,"end":888.975},{"sentences":[{"text":"So we were sort of tracking towards looking at retirement.","start":888.975,"end":891.555,"sentiment":"neutral","sentiment_score":0.026111422665417196},{"text":"You were sort of hoping you're round about the age of 60 mark.","start":891.695,"end":894.57,"sentiment":"neutral","sentiment_score":0.01146935958128709},{"text":"Are we still the tracking board towards that?","start":894.57,"end":896.81,"sentiment":"neutral","sentiment_score":0.008879028260707855},{"text":"I know you've got a long time to go before that we get to that age.","start":896.81,"end":900.11005,"sentiment":"neutral","sentiment_score":-0.04762509441934526},{"text":"Yeah.","start":904.41003,"end":904.89,"sentiment":"neutral","sentiment_score":-0.01608935184776783}],"sentiment":"neutral","sentiment_score":-0.006184223651265104,"num_words":48,"start":888.975,"end":904.89},{"sentences":[{"text":"You have a long time to go.","start":904.89,"end":906.59,"sentiment":"neutral","sentiment_score":0.007515485531517437},{"text":"All good.","start":906.73004,"end":907.47003,"sentiment":"neutral","sentiment_score":0.1489545851945877},{"text":"Yeah.","start":913.19495,"end":913.595,"sentiment":"neutral","sentiment_score":0.1548227071762085},{"text":"That's okay.","start":913.595,"end":914.315,"sentiment":"neutral","sentiment_score":0.17806977033615112},{"text":"Well, we'll keep tracking with that investment.","start":914.315,"end":916.315,"sentiment":"neutral","sentiment_score":0.132965087890625}],"sentiment":"neutral","sentiment_score":0.09432818064172017,"num_words":19,"start":904.89,"end":916.315},{"sentences":[{"text":"I know part of having the investment portfolio was to be able to, you know, look towards purchasing a home and use some of the funds towards that possibly in the future.","start":916.315,"end":924.60004,"sentiment":"neutral","sentiment_score":0.10851871012710035},{"text":"But, you know, if you wanted to kinda keep building it long term, we could definitely look at, you know, trying to build it up and increase the contributions down the track to kinda give you some sort of access early if you would like to look at doing that down the track.","start":925.38,"end":937.995,"sentiment":"neutral","sentiment_score":0.17687903935054564},{"text":"Yeah.","start":939.355,"end":939.855,"sentiment":"positive","sentiment_score":0.361200898885727},{"text":"Beautiful.","start":940.955,"end":941.455,"sentiment":"positive","sentiment_score":0.8054031133651733},{"text":"Other than that, I did have that you you were traveling last year, and you made mention you've got some travel plans this year as well.","start":942.635,"end":948.975,"sentiment":"neutral","sentiment_score":0.1908082325871174}],"sentiment":"neutral","sentiment_score":0.16791863601028392,"num_words":113,"start":916.315,"end":948.975},{"sentences":[{"text":"Yeah.","start":953.21,"end":953.71,"sentiment":"neutral","sentiment_score":0.026183318346738815},{"text":"On.","start":963.625,"end":964.125,"sentiment":"neutral","sentiment_score":0.04591252282261848},{"text":"Yep.","start":964.505,"end":965.005,"sentiment":"neutral","sentiment_score":0.06272518634796143},{"text":"Yep.","start":966.505,"end":967.005,"sentiment":"neutral","sentiment_score":0.08284446597099304},{"text":"Wow.","start":969.86505,"end":970.36505,"sentiment":"neutral","sentiment_score":0.0905214697122574}],"sentiment":"neutral","sentiment_score":0.06163739264011383,"num_words":5,"start":953.21,"end":970.36505},{"sentences":[{"text":"You've got a lot going on.","start":974.66504,"end":976.445,"sentiment":"neutral","sentiment_score":-0.02168778982013464},{"text":"Yeah.","start":978.7,"end":979.2,"sentiment":"neutral","sentiment_score":-0.03337157517671585},{"text":"Absolutely.","start":981.01996,"end":981.51996,"sentiment":"neutral","sentiment_score":0.04648623615503311},{"text":"Absolutely.","start":982.3,"end":982.8,"sentiment":"neutral","sentiment_score":0.04087785258889198},{"text":"No.","start":983.42,"end":983.82,"sentiment":"neutral","sentiment_score":-0.1457238495349884}],"sentiment":"neutral","sentiment_score":-0.0221858074888587,"num_words":10,"start":974.66504,"end":983.82},{"sentences":[{"text":"Awkward.","start":983.82,"end":984.32,"sentiment":"neutral","sentiment_score":-0.2217426300048828},{"text":"And we sorta had a goal there looking to try and purchase a home in the next sort of two to five years.","start":984.94,"end":989.89996,"sentiment":"neutral","sentiment_score":-0.07285278857402179},{"text":"Is that still sort of the goal on when you'd like to purchase a home?","start":989.89996,"end":1002.255,"sentiment":"neutral","sentiment_score":-0.043926324943701425},{"text":"Yep.","start":1002.255,"end":1002.755,"sentiment":"neutral","sentiment_score":-0.04537790268659592},{"text":"Yeah.","start":1008.42004,"end":1008.92004,"sentiment":"neutral","sentiment_score":-0.07403425872325897}],"sentiment":"neutral","sentiment_score":-0.06526009275055514,"num_words":41,"start":983.82,"end":1008.92004},{"sentences":[{"text":"No.","start":1011.38,"end":1011.7,"sentiment":"neutral","sentiment_score":-0.11222020536661148},{"text":"Well, the other thing is and kinda one of the things I sort of pointed out to my husband last night was we were watching the budget board, and I was like, look.","start":1011.7,"end":1018.03503,"sentiment":"neutral","sentiment_score":-0.05347545930381977},{"text":"At the end of the day, they also have to get this through.","start":1018.03503,"end":1019.955,"sentiment":"neutral","sentiment_score":-0.07187850286181156},{"text":"So this they've sort of put out the the bill on what they want to occur, but then it does have to pass parliament and go through the segments as well.","start":1019.955,"end":1026.435,"sentiment":"neutral","sentiment_score":-0.06028091258579685},{"text":"So we'll see what does and or doesn't pass.","start":1026.435,"end":1028.935,"sentiment":"neutral","sentiment_score":-0.06794496832622422}],"sentiment":"neutral","sentiment_score":-0.0608223437320912,"num_words":87,"start":1011.38,"end":1028.935},{"sentences":[{"text":"I know thinking about some of those changes, it would affect them as well.","start":1029.555,"end":1034.01,"sentiment":"neutral","sentiment_score":-0.05592994072607586},{"text":"So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go.","start":1034.01,"end":1041.47,"sentiment":"neutral","sentiment_score":-0.0016616953237514412},{"text":"But then, also, we have a whole another budget coming next year as well.","start":1042.01,"end":1045.61,"sentiment":"neutral","sentiment_score":0.003946223628840276},{"text":"So anything could change in that time frame.","start":1045.61,"end":1048.995,"sentiment":"neutral","sentiment_score":-0.014393701450899243},{"text":"Yeah.","start":1049.135,"end":1049.635,"sentiment":"neutral","sentiment_score":0.017575696110725403}],"sentiment":"neutral","sentiment_score":-0.013413437291120107,"num_words":65,"start":1029.555,"end":1049.635},{"sentences":[{"text":"Yep.","start":1057.2151,"end":1057.7151,"sentiment":"neutral","sentiment_score":0.32251617312431335},{"text":"Yep.","start":1063.87,"end":1064.37,"sentiment":"positive","sentiment_score":0.3823358416557312},{"text":"Yep.","start":1066.75,"end":1067.25,"sentiment":"positive","sentiment_score":0.4505440592765808},{"text":"Yep.","start":1072.0449,"end":1072.5449,"sentiment":"positive","sentiment_score":0.3628626763820648},{"text":"Beautiful.","start":1082.46,"end":1082.96,"sentiment":"positive","sentiment_score":0.6392014026641846}],"sentiment":"positive","sentiment_score":0.43149203062057495,"num_words":5,"start":1057.2151,"end":1082.96},{"sentences":[{"text":"Beautiful.","start":1083.02,"end":1083.52,"sentiment":"positive","sentiment_score":0.5667628049850464},{"text":"And how much do you have in there at the moment?","start":1083.58,"end":1085.76,"sentiment":"neutral","sentiment_score":0.07372893359173428},{"text":"Okay.","start":1089.6599,"end":1090.0599,"sentiment":"neutral","sentiment_score":0.17084313929080963},{"text":"Perfect.","start":1090.0599,"end":1090.5599,"sentiment":"positive","sentiment_score":0.399914026260376},{"text":"Okay.","start":1095.115,"end":1095.615,"sentiment":"neutral","sentiment_score":0.09263330698013306}],"sentiment":"neutral","sentiment_score":0.13607810313502947,"num_words":15,"start":1083.02,"end":1095.615},{"sentences":[{"text":"Yep.","start":1095.755,"end":1096.255,"sentiment":"neutral","sentiment_score":0.0985146090388298},{"text":"Yeah.","start":1113.53,"end":1113.77,"sentiment":"neutral","sentiment_score":0.027059176936745644},{"text":"Yeah.","start":1113.77,"end":1114.09,"sentiment":"neutral","sentiment_score":0.017240161076188087},{"text":"Absolutely.","start":1114.09,"end":1114.49,"sentiment":"neutral","sentiment_score":0.026598073542118073},{"text":"I can have a bit of a look around.","start":1114.49,"end":1116.11,"sentiment":"neutral","sentiment_score":-0.010285659486220943}],"sentiment":"neutral","sentiment_score":0.005910852709068702,"num_words":13,"start":1095.755,"end":1116.11},{"sentences":[{"text":"Yeah.","start":1116.25,"end":1116.75,"sentiment":"neutral","sentiment_score":-0.004876483231782913},{"text":"No.","start":1122.905,"end":1123.305,"sentiment":"neutral","sentiment_score":-0.03465769812464714},{"text":"That that's okay.","start":1123.305,"end":1124.505,"sentiment":"neutral","sentiment_score":-0.014236572509010633},{"text":"I that's okay.","start":1124.505,"end":1126.605,"sentiment":"neutral","sentiment_score":0.002440087885285417},{"text":"Yep.","start":1129.625,"end":1130.125,"sentiment":"neutral","sentiment_score":0.0234660804271698}],"sentiment":"neutral","sentiment_score":-0.005717506088937323,"num_words":9,"start":1116.25,"end":1130.125},{"sentences":[{"text":"Yeah.","start":1130.4401,"end":1130.9401,"sentiment":"neutral","sentiment_score":0.0692719966173172},{"text":"Yep.","start":1151.255,"end":1151.5751,"sentiment":"neutral","sentiment_score":0.06490176171064377},{"text":"Yep.","start":1151.5751,"end":1152.0751,"sentiment":"neutral","sentiment_score":0.06507876515388489},{"text":"Perfect.","start":1153.655,"end":1154.155,"sentiment":"neutral","sentiment_score":0.1986609846353531},{"text":"Yep.","start":1165.2899,"end":1165.7899,"sentiment":"neutral","sentiment_score":0.16800963878631592}],"sentiment":"neutral","sentiment_score":0.11318462938070298,"num_words":5,"start":1130.4401,"end":1165.7899},{"sentences":[{"text":"No.","start":1166.25,"end":1166.57,"sentiment":"neutral","sentiment_score":0.2599884867668152},{"text":"Beautiful.","start":1166.57,"end":1167.07,"sentiment":"positive","sentiment_score":0.6229773163795471},{"text":"That's all good.","start":1167.21,"end":1168.19,"sentiment":"positive","sentiment_score":0.685888667901357},{"text":"So working really well.","start":1168.25,"end":1169.385,"sentiment":"positive","sentiment_score":0.6971980184316635},{"text":"So if you like, I can have a bit of a look around at high interest cash accounts versus 10 deposits and kind of do up a little bit of a strategy paper.","start":1169.385,"end":1176.025,"sentiment":"neutral","sentiment_score":0.13386469831069311}],"sentiment":"neutral","sentiment_score":0.24159426011499904,"num_words":42,"start":1166.25,"end":1176.025},{"sentences":[{"text":"Just take some time to kinda put it together for you.","start":1176.025,"end":1178.665,"sentiment":"neutral","sentiment_score":0.15825103494254025},{"text":"But I can give you a couple of options to kind of mull over and investigate to see if any of that picks your interest and helps you with your savings a little bit.","start":1178.665,"end":1186.1,"sentiment":"neutral","sentiment_score":0.18057511308613947},{"text":"Yep.","start":1188.64,"end":1189.04,"sentiment":"positive","sentiment_score":0.36404523253440857},{"text":"Fantastic.","start":1189.04,"end":1189.54,"sentiment":"positive","sentiment_score":0.6336573362350464},{"text":"Yeah.","start":1201.855,"end":1202.255,"sentiment":"neutral","sentiment_score":-0.04001586139202118}],"sentiment":"neutral","sentiment_score":0.18412504034737745,"num_words":48,"start":1176.025,"end":1202.255},{"sentences":[{"text":"It is very hard at the moment.","start":1202.255,"end":1203.775,"sentiment":"neutral","sentiment_score":-0.26085095533302854},{"text":"It's been a little bit volatile in the markets, but then also with what we've had going on here, higher interest rates and the cat and, you know, money kind of isn't hitting the point we wanted to at the moment.","start":1203.775,"end":1213.6001,"sentiment":"neutral","sentiment_score":-0.2644170264645321},{"text":"But, yeah, hopefully, all of this sort of hopefully, it all kind of, you know, moves over a little bit sooner than we hope.","start":1213.6001,"end":1221.14,"sentiment":"neutral","sentiment_score":-0.14572131913155317},{"text":"I mean, sentiment in the market is still quite good.","start":1221.3601,"end":1223.7649,"sentiment":"positive","sentiment_score":0.378062704205513},{"text":"I know with speaking to some of the economists that we've had access to, they are still expecting inflation keep increasing.","start":1223.7649,"end":1230.9049,"sentiment":"neutral","sentiment_score":0.07053671156366666}],"sentiment":"neutral","sentiment_score":-0.1058492082198268,"num_words":103,"start":1202.255,"end":1230.9049},{"sentences":[{"text":"I know last night, they kinda mentioned 5%.","start":1231.0449,"end":1233.625,"sentiment":"neutral","sentiment_score":0.018567908089607954},{"text":"Economists have kind of also been saying roughly around about that.","start":1234.325,"end":1237.7,"sentiment":"neutral","sentiment_score":-0.02001455290751024},{"text":"We would hope inflation doesn't keep going that way because it kinda does devalue money a little bit faster, but also increases interest rates and makes it much harder for people to pay their mortgages and to borrow for serviceability.","start":1237.7,"end":1249.5599,"sentiment":"neutral","sentiment_score":-0.15704567786306142},{"text":"But I think we just sort of wait and see what kinda happens towards the middle of the year and then towards the end of the year, and hopefully, things sort of start to settle down a little bit.","start":1250.795,"end":1260.235,"sentiment":"neutral","sentiment_score":-0.06929771879162544},{"text":"So I know they've kinda forecast that, you know, inflation will kinda pull back a little bit and hit around that 2.5% around mid next year, but I'd like it to like to see it happen a little bit faster.","start":1260.235,"end":1271.12,"sentiment":"neutral","sentiment_score":0.06809396480675786}],"sentiment":"neutral","sentiment_score":-0.045886205597038286,"num_words":138,"start":1231.0449,"end":1271.12},{"sentences":[{"text":"We're sort of hoping that the budget might, you know, to help with that, but I don't think it is going to if they're still forecasting a five percent return.","start":1271.1799,"end":1279.725,"sentiment":"neutral","sentiment_score":-0.07194159583499034},{"text":"The budget hasn't done much at all.","start":1279.725,"end":1281.8251,"sentiment":"neutral","sentiment_score":-0.14177766655172622},{"text":"Oh, no.","start":1285.005,"end":1285.905,"sentiment":"neutral","sentiment_score":-0.1466694101691246},{"text":"Yeah.","start":1292.4601,"end":1292.9601,"sentiment":"neutral","sentiment_score":-0.06024971604347229},{"text":"Yes.","start":1297.66,"end":1298.16,"sentiment":"neutral","sentiment_score":-0.0619162954390049}],"sentiment":"neutral","sentiment_score":-0.08698039933493952,"num_words":41,"start":1271.1799,"end":1298.16},{"sentences":[{"text":"Yep.","start":1298.3,"end":1298.8,"sentiment":"neutral","sentiment_score":-0.0680435448884964},{"text":"Absolutely.","start":1303.995,"end":1304.495,"sentiment":"neutral","sentiment_score":-0.03000544011592865},{"text":"It is yeah.","start":1304.875,"end":1306.235,"sentiment":"neutral","sentiment_score":-0.10054196665684383},{"text":"It it does.","start":1306.235,"end":1306.9551,"sentiment":"neutral","sentiment_score":-0.19805813829104105},{"text":"It makes it very much harder.","start":1306.9551,"end":1308.235,"sentiment":"negative","sentiment_score":-0.5598687281211218}],"sentiment":"neutral","sentiment_score":-0.31093297632677214,"num_words":14,"start":1298.3,"end":1308.235},{"sentences":[{"text":"And if if we if the property market keeps going the way it has been, it's just gonna price everybody out of the market.","start":1308.235,"end":1313.675,"sentiment":"negative","sentiment_score":-0.5747870927055677},{"text":"No one's gonna be able to buy unless you've got, you know, a really good proper deposit there, which means anyone, you know, 20 and under, as they kind of get closer to wanting to buy, it's just gonna be too hard.","start":1313.675,"end":1325.38,"sentiment":"negative","sentiment_score":-0.45427099366982776},{"text":"They're not gonna be able to save the minimum deposit.","start":1325.38,"end":1327.7,"sentiment":"negative","sentiment_score":-0.3951141506433487},{"text":"They're not gonna be out of for the repayments, and it's just gonna be too hard to to to buy in.","start":1327.7,"end":1333.915,"sentiment":"negative","sentiment_score":-0.44887689607484},{"text":"So I hope it doesn't get that bad, especially as I've got a 19 to 20 year old daughter, and they're sort of wanting to save for their first time, but they're so scared.","start":1333.915,"end":1343.355,"sentiment":"neutral","sentiment_score":-0.3210284026230083}],"sentiment":"negative","sentiment_score":-0.4363877402462122,"num_words":131,"start":1308.235,"end":1343.355},{"sentences":[{"text":"They don't know how.","start":1343.355,"end":1344.155,"sentiment":"negative","sentiment_score":-0.42733003944158554},{"text":"They're, you know, trying to save as much as possible with every year that goes by.","start":1344.155,"end":1348.5399,"sentiment":"negative","sentiment_score":-0.3455204861238599},{"text":"You know, they need a bit more money put aside, so it's it's not a it's a very difficult area for them to be 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right?","start":1370.535,"end":1371.355,"sentiment":"neutral","sentiment_score":0.005694384686648846}],"sentiment":"neutral","sentiment_score":0.019009711298470695,"num_words":24,"start":1362.535,"end":1371.355},{"sentences":[{"text":"Right.","start":1375.4099,"end":1375.9099,"sentiment":"neutral","sentiment_score":0.002550657838582993},{"text":"Yep.","start":1377.73,"end":1378.23,"sentiment":"neutral","sentiment_score":0.04943052679300308},{"text":"Okay.","start":1383.1699,"end":1383.6699,"sentiment":"neutral","sentiment_score":0.20932736992836},{"text":"Perfect.","start":1383.73,"end":1384.23,"sentiment":"positive","sentiment_score":0.5097708106040955},{"text":"Excellent.","start":1384.9299,"end":1385.4299,"sentiment":"positive","sentiment_score":0.5045450925827026}],"sentiment":"neutral","sentiment_score":0.2551248915493488,"num_words":5,"start":1375.4099,"end":1385.4299},{"sentences":[{"text":"Okay.","start":1392.4451,"end":1392.9451,"sentiment":"positive","sentiment_score":0.3619212508201599},{"text":"Beautiful.","start":1393.0851,"end":1393.5851,"sentiment":"positive","sentiment_score":0.6658056974411011},{"text":"That's 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intent.","start":1871.9149,"end":1876.1499,"sentiment":"neutral","sentiment_score":0.002459982848342727},{"text":"But they've changed them, so they're all going through concessionally now.","start":1876.61,"end":1879.49,"sentiment":"neutral","sentiment_score":0.18546248582953756},{"text":"So it still works your favorite, still concessional.","start":1879.49,"end":1882.3099,"sentiment":"neutral","sentiment_score":0.2608404289931059}],"sentiment":"neutral","sentiment_score":0.07563025537711471,"num_words":67,"start":1864.875,"end":1882.3099},{"sentences":[{"text":"It's just that we don't have to claim that one extra step.","start":1882.37,"end":1884.9299,"sentiment":"neutral","sentiment_score":0.09098074461023013},{"text":"Yeah.","start":1884.9299,"end":1885.4299,"sentiment":"neutral","sentiment_score":0.2569746971130371},{"text":"Yeah.","start":1897.025,"end":1897.525,"sentiment":"neutral","sentiment_score":0.18579380214214325},{"text":"Yep.","start":1897.8251,"end":1898.3251,"sentiment":"neutral","sentiment_score":0.07823342084884644},{"text":"Perfect.","start":1899.4701,"end":1899.9501,"sentiment":"positive","sentiment_score":0.7837573289871216}],"sentiment":"neutral","sentiment_score":0.14978301152586937,"num_words":16,"start":1882.37,"end":1899.9501},{"sentences":[{"text":"And then you get to find what you're after, go house hunting and look around.","start":1899.9501,"end":1903.7301,"sentiment":"positive","sentiment_score":0.36653794745604196},{"text":"Yeah.","start":1910.75,"end":1911.25,"sentiment":"neutral","sentiment_score":-0.14701880514621735},{"text":"Yes.","start":1914.725,"end":1915.225,"sentiment":"neutral","sentiment_score":-0.06456989049911499},{"text":"Yep.","start":1915.605,"end":1916.105,"sentiment":"neutral","sentiment_score":-0.014084081165492536},{"text":"Yeah.","start":1918.165,"end":1918.665,"sentiment":"neutral","sentiment_score":-0.07270368933677673}],"sentiment":"neutral","sentiment_score":0.27366803924700145,"num_words":19,"start":1899.9501,"end":1918.665},{"sentences":[{"text":"Yeah.","start":1920.405,"end":1920.905,"sentiment":"neutral","sentiment_score":-0.06078791618347168},{"text":"Yeah.","start":1923.9401,"end":1924.3401,"sentiment":"neutral","sentiment_score":0.01822371408343315},{"text":"Yeah.","start":1924.3401,"end":1924.74,"sentiment":"neutral","sentiment_score":0.10959547758102416},{"text":"Absolutely.","start":1924.74,"end":1925.24,"sentiment":"positive","sentiment_score":0.33965003490448},{"text":"Yeah.","start":1927.06,"end":1927.56,"sentiment":"neutral","sentiment_score":0.0985722914338112}],"sentiment":"neutral","sentiment_score":0.10105072036385536,"num_words":5,"start":1920.405,"end":1927.56},{"sentences":[{"text":"No.","start":1927.62,"end":1928.12,"sentiment":"neutral","sentiment_score":-0.04336073622107506},{"text":"Mhmm.","start":1947.4751,"end":1947.9751,"sentiment":"neutral","sentiment_score":-0.06496788561344147},{"text":"Yeah.","start":1954.4501,"end":1954.93,"sentiment":"neutral","sentiment_score":0.030148597434163097},{"text":"Wow.","start":1954.93,"end":1955.43,"sentiment":"neutral","sentiment_score":0.06019449979066849},{"text":"Wow.","start":1955.5701,"end":1956.0701,"sentiment":"neutral","sentiment_score":0.011650064960122108}],"sentiment":"neutral","sentiment_score":-0.0012670919299125672,"num_words":5,"start":1927.62,"end":1956.0701},{"sentences":[{"text":"No.","start":1957.49,"end":1957.81,"sentiment":"neutral","sentiment_score":-0.13164708018302915},{"text":"No.","start":1957.81,"end":1958.13,"sentiment":"neutral","sentiment_score":-0.1453147530555725},{"text":"All good.","start":1958.13,"end":1958.93,"sentiment":"neutral","sentiment_score":0.04070231318473816},{"text":"All good.","start":1958.93,"end":1959.75,"sentiment":"neutral","sentiment_score":0.1479511559009552},{"text":"Well, that's basically everything I need to run through.","start":1960.3849,"end":1962.625,"sentiment":"neutral","sentiment_score":0.1451061401102278}],"sentiment":"neutral","sentiment_score":0.09375335772832234,"num_words":15,"start":1957.49,"end":1962.625},{"sentences":[{"text":"I can see your beneficiaries are all up to date.","start":1962.625,"end":1964.945,"sentiment":"neutral","sentiment_score":0.23212144672870635},{"text":"We got legal personal representatives that all goes to your will, which is what we discussed last year, which is fantastic.","start":1964.945,"end":1970.085,"sentiment":"positive","sentiment_score":0.38362889133748557},{"text":"There's no real changes to your goals, which is good.","start":1971.9049,"end":1974.47,"sentiment":"neutral","sentiment_score":0.32954448759555816},{"text":"I have already messaged off to a head of advice to have that ID the investment account fixed up for you, and I've sent the annual review docs through.","start":1974.47,"end":1983.4299,"sentiment":"neutral","sentiment_score":0.2494576845703454},{"text":"So feel free to have a look at them.","start":1983.4299,"end":1985.1299,"sentiment":"neutral","sentiment_score":0.21693613131841025}],"sentiment":"neutral","sentiment_score":0.28936157083209557,"num_words":79,"start":1962.625,"end":1985.1299},{"sentences":[{"text":"If you're happy to stay on board, I'll get you to sign and return those back for me.","start":1985.2699,"end":1989.3745,"sentiment":"neutral","sentiment_score":0.27943604439496994},{"text":"That's the ongoing service agreement and the change of address form for the MyNorth, and we'll have that sent off and updated for you.","start":1989.3745,"end":1995.0823,"sentiment":"neutral","sentiment_score":0.1932953086992105},{"text":"And we'll do a catch up in about three months and see where the markets are going and see what's happening in that time.","start":1995.0823,"end":2000.79,"sentiment":"neutral","sentiment_score":0.0798013551781575},{"text":"And I'll do a little bit of research for you just on some term deposits and high interest accounts to sort of give you an idea of what else is out there.","start":2000.9501,"end":2008.0701,"sentiment":"neutral","sentiment_score":0.1617165522184223},{"text":"Okay?","start":2008.0701,"end":2008.5701,"sentiment":"neutral","sentiment_score":0.1948544979095459}],"sentiment":"neutral","sentiment_score":0.1712520495057106,"num_words":99,"start":1985.2699,"end":2008.5701},{"sentences":[{"text":"And you see, that's okay.","start":2010.23,"end":2011.27,"sentiment":"positive","sentiment_score":0.40825170278549194},{"text":"If there's anything else you need, please let me know, Terry.","start":2011.27,"end":2013.6901,"sentiment":"neutral","sentiment_score":0.22528575496240097},{"text":"Happy to make time.","start":2013.985,"end":2015.205,"sentiment":"positive","sentiment_score":0.6359351277351379},{"text":"And I've made a little note on here as well that just when we call next time, just to check whether you wanna kinda come into the office or whether you prefer the phone to see you can kinda decide what suits you.","start":2015.4249,"end":2024.965,"sentiment":"neutral","sentiment_score":0.20247459394294162},{"text":"Okay?","start":2025.0249,"end":2025.5249,"sentiment":"neutral","sentiment_score":0.13903015851974487}],"sentiment":"neutral","sentiment_score":0.24857156293001026,"num_words":64,"start":2010.23,"end":2025.5249},{"sentences":[{"text":"Fantastic.","start":2027.6799,"end":2028.1799,"sentiment":"positive","sentiment_score":0.8359742760658264},{"text":"That's okay.","start":2028.48,"end":2029.12,"sentiment":"positive","sentiment_score":0.779934287071228},{"text":"I hope you have a good relaxing afternoon.","start":2029.12,"end":2031.14,"sentiment":"positive","sentiment_score":0.7881176024675369},{"text":"Thanks, Darrie.","start":2034.313,"end":2034.9529,"sentiment":"positive","sentiment_score":0.6637999713420868},{"text":"I'll talk to you soon.","start":2034.9529,"end":2036.0729,"sentiment":"positive","sentiment_score":0.5016398012638092}],"sentiment":"positive","sentiment_score":0.6964768121639887,"num_words":18,"start":2027.6799,"end":2036.0729},{"sentences":[{"text":"Thanks for your time.","start":2036.0729,"end":2037.1329,"sentiment":"positive","sentiment_score":0.7586221545934677},{"text":"See you later.","start":2038.313,"end":2039.1329,"sentiment":"positive","sentiment_score":0.35113497575124103},{"text":"Bye.","start":2039.1929,"end":2039.6929,"sentiment":"neutral","sentiment_score":-0.1142064332962036}],"sentiment":"positive","sentiment_score":0.4967108890414238,"num_words":8,"start":2036.0729,"end":2039.6929}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. How are you doing? Oh, yeah. You know? Work. Oh, no. No. That's all good. I I'm not really sure what happened with the phone there. It's yeah. Called through, and it was making some it was like I dialed the fax machine or something. Yeah. But anyway yeah. I am presently driving for about the next two minutes. I'm just on my way home. Yep. Easy. Yeah. Of course. Terry James Gray. August 23 '96. '8 Arona Avenue, South Park. Yep. Yeah. Yep. I think that just came through. Cool. Yep. Cool. Yeah. Thanks. Yes. For the moment, I might hold off because I, like, I use it for my my, like, car payment, car insurance, things like that. And I've got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well. Cool. No worries. Yep. Oh, yeah. Yeah. It's a whole mess. Yep. Yeah. Yeah. It's been all over the place. Yeah. Yep. No worries. Yes. Yep. Yeah. No. That that largely sounds fine. I obviously, like, I tracked the budget last night as it was sort of coming out and bits and pieces. I'm just wondering if I if I've got anything that's sort of tied to the fence. Yeah. Oh, no. I was just curious because I know that the well, it was sort of flagged. We knew that they were gonna be throwing a bit of money at it in the budget, and then I think it came in a little bit over what even expectations were. Yeah. Yeah. Yeah. Yeah. To some degree, I just yeah. It was just one of the things that was on the back of my mind. Yeah. Great. Thanks. Yeah. Yes. Yep. Cool. Yeah. Just one question I had was in regard to fees. So I and I might be misremembering or I might be misremembering specifics, but I I think from memory, what what we had discussed was that fees would kick in once the balance reached $10. No worries. Thanks. I just yeah. No. No. That's fine. I yeah. I was like, I talked it a little while ago and I went, oh, I can't remember if that was, like, something that had changed or yeah. That's all good. No drama. All good. No stress. Thanks. Yes. Yes. No. I'm I'm fine with that. That's, yeah, plenty more than would be needed. So that's fine. Yeah. Yeah. I'm just about to correct the halfway point. So yeah. I mean, look, you know, ideally, I'll be able to retire sooner. But, yeah, that's probably realistic, I think. Yes. Yep. Yeah. Absolutely. Yeah. Not not anything sort of major. Like, I live up here, but all my family and friends and stuff are down in Victoria. So I've got a it's a year of thirtieth. So I've gotta fly back a bunch of times to Melbourne. This, that, and the other. My friends go baby shower next month, and the thirtieth the next month, and then my thirtieth the next month. And, you know, It's just one of those things. Yeah. With all the time that I don't have. Yep. Yeah. I mean, ideally, probably shorter time if I can, but the markets here are an absolute nightmare. And, I mean, the changes that they've put in last night are something, but I don't think they're gonna really do much for me. Yeah. Yeah. Yeah. Exactly. But yeah. So I'm I'm sorta trending towards trying to get my deposit together. I'm doing pretty well. Like, I moved I moved out a couple of months back, and the rent is, like, almost exactly half, which is great. So it's allowing me to put a bit more away, which I've just got sort of I'm just basically feeding what excess I can into, like, a increased interest savings. That's there's $8 sitting in there, and that's earning it, I think it's 4% per annum. I'd be interested if you have any sort of knowledge of anything that I can sort of do that's, like, relatively high stability, but, like, anything higher on on interest return. So, like, I don't know. I haven't looked much into, like, you know I I just don't really have the time or the things of late to look much into it, but I was looking at, like, you know, term deposits or things like that to make it grow a bit quicker. But, yeah, it's a it's a good base to start with now between that. What I've got set aside in that concessional part of my super, I think is up around 15 now that I can draw on for that home buyer scheme or whatever it is that they've got. And then, I mean, that's got me sort of somewhere toward the early twenties. And then with another, you know, six months to a year behind me, I should have a a decent deposit put together, hopefully. Yeah. Yep. Yeah. Yeah. That'd be great. Just trying to find ways to, you know, maximize and, you know, at at base minimum, just try and be cash rate. But, like, if I can sort of start to actually get it to compound a little, it'd be good. No. Yeah. No. It's not looking that way. Yeah. Yeah. I mean, all this stuff with negative gearing and all the rest, it's kinda like, well, it'll you know, it'll help a little bit, but at the same time, there's all these exemptions that are just gonna, you know, like, not make that available to people coming in, but the people that are already in just sorta get to stay in. It's a little weird. Yeah. Yeah. Yeah. It's grim out there. Yeah. No. So that's where I was at. 3 60 a week with bills. I'm now down at $1.90 excluding. So, yeah, I'm now paying in rent a fortnight what I used to pay a week. So I set bills on top of that, which I was which were included before. So I haven't had a round of bills yet since moving in, but I imagine it won't be too bad because there's so many people that live here. Three, four, five, six of us. So bills could that's why the rent's so cheap, but, like, two people live in, like, a, like, a separate tiny home in the backyard. And so, like, we never see them. The person lives downstairs, I see, like, once a week. Like, it's it's really, like, I have two housemates, and yet we pay rent as if there's six. So it's kinda nice. And I'm sure the I'm sure the bills will probably reflect that too. I've been trying to cut it back. And, I mean, yeah, I've been been doing work in Brisbane. Most of my friends as well, like, my friendship base is in Brisbane mostly. But I, like, when I when I go for work, I usually get to take a work car, which is good. And I just did I've done two stints in the last year now up in Manalaza in, like, the the Northern Gulf doing work stuff. So I did two separate two weeks since where they threw me up there. And while I'm up there, I'm acting in the next level, so a higher role, which is why the estimates for my income have gone up because I'm doing more overtime. I'm doing acting positions in higher roles that come at a higher pay base and things like that. So yeah. And then and I went up a a scale. So I went from 3.1 to 3.2 or whatever it is. So I think that's, like, an extra dollar and something or dollar and a bit an hour, which, you know, is something. Yeah. Oh, no. It happened super quick. Yeah. I don't know. I I said this a little while ago, and, like, for the life of me, it's it's not changed. I I got to March, and I was like, I I literally can't remember February. Like, I there's not a single thing that happened in February that I can actually go, oh, yeah. That happened in February. The month just came and went, and I I don't even know where. Like, it just I just worked for four straight weeks and and didn't didn't even yeah. I don't know. I I did a bunch of, like I was like I think there was a patch earlier in the year where I did, like, six straight weekends where I did overtime, and it's just all a blur. It's gone. I don't know what happened to February. He disappeared. It was January, and I thought it was March. Yeah. Yeah. Maybe it's maybe that's the thing. You know? I'm, you know, another year older, like, this is what the 30 plus deal like. Oh, wait. How good. Yeah. It might be maybe 18 now. And I think they're not only gonna I can just check on phone with you now, actually. Sorry. It's just loading. I think last time I checked, it was around about 13 to go. But I don't know if that's just the amount owing or if that's full payout quote, but there's no balloon at the end of it or anything like that. Oh, there we go. There is for me to do a full payout, there is 12 and a half grand to go. Yeah. So, yeah, just, what, 500 a month. So that's around about two years ago, which just about tracks because I got this in May, apparently, three years ago. Somehow, not much time has passed. Yeah. So, yeah, two years ago on that. I think if I get to a point where I feel like I'm happy with where the positive's at and I start looking a bit more seriously at buying, which I'm hoping will probably be within the next year depending on how things move. Because between yeah. Like I said, between professional contributions to Super, the savings that I now have sitting there waiting for me, and also what I've got in this investment account if I need to access that to boost it. I'm already sitting at, I think, around about 25. So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early. Yeah. Oh, okay. Cool. Yep. Great. Gotcha. Excellent. So it's just choking up towards, yeah, being able to access it. Because I think the cap on it's, like, 50 or something like that. So I've got ages enjoying getting close to that. Yeah. Yeah. I mean, shit. The way it is in a gold quest. I'll take what I can get at this stage. It's yeah. It's marking. It's awful. A bunch of my colleagues are with me as well, and they're just getting nowhere. But I also might end up moving back to Melbourne. I'm not sure. So it's all very up in the end. And if I go back to Melbourne I think I think in Melbourne, I could probably buy it and buy now. But, yeah, up here, it's like no. Down there, I was looking at apartments in, like, some of the suburbs that I'd look to live in and, yeah, like, a two bed for, like, $4.50, 500 down there. Whereas up here, it's 600 and you need another $100 to throw it, fixing it up. Crazy. Yeah. Yep. Yep. Cool. Thank you. Yep. Yep. No worries. Thanks. Yes. You too. Alright. 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Yeah. How are you doing? Oh, yeah. You know?\n\nWork. Oh, no. No. That's all good. I I'm not really sure what happened with the phone there.\n\nIt's yeah. Called through, and it was making some it was like I dialed the fax machine or something. Yeah. But anyway yeah. I am presently driving for about the next two minutes.\n\nI'm just on my way home. Yep. Easy. Yeah. Of course.\n\nTerry James Gray. August 23 '96. '8 Arona Avenue, South Park. Yep. Yeah.\n\nYep. I think that just came through. Cool. Yep. Cool.\n\nYeah. Thanks. Yes. For the moment, I might hold off because I, like, I use it for my my, like, car payment, car insurance, things like that. And I've got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well.\n\nCool. No worries. Yep. Oh, yeah. Yeah.\n\nIt's a whole mess. Yep. Yeah. Yeah. It's been all over the place.\n\nYeah. Yep. No worries. Yes. Yep.\n\nYeah. No. That that largely sounds fine. I obviously, like, I tracked the budget last night as it was sort of coming out and bits and pieces. I'm just wondering if I if I've got anything that's sort of tied to the fence.\n\nYeah. Oh, no. I was just curious because I know that the well, it was sort of flagged. We knew that they were gonna be throwing a bit of money at it in the budget, and then I think it came in a little bit over what even expectations were. Yeah.\n\nYeah. Yeah. Yeah. To some degree, I just yeah. It was just one of the things that was on the back of my mind.\n\nYeah. Great. Thanks. Yeah. Yes.\n\nYep. Cool. Yeah. Just one question I had was in regard to fees. So I and I might be misremembering or I might be misremembering specifics, but I I think from memory, what what we had discussed was that fees would kick in once the balance reached $10.\n\nNo worries. Thanks. I just yeah. No. No.\n\nThat's fine. I yeah. I was like, I talked it a little while ago and I went, oh, I can't remember if that was, like, something that had changed or yeah. That's all good. No drama.\n\nAll good. No stress. Thanks. Yes. Yes.\n\nNo. I'm I'm fine with that. That's, yeah, plenty more than would be needed. So that's fine. Yeah.\n\nYeah. I'm just about to correct the halfway point. So yeah. I mean, look, you know, ideally, I'll be able to retire sooner. But, yeah, that's probably realistic, I think.\n\nYes. Yep. Yeah. Absolutely. Yeah.\n\nNot not anything sort of major. Like, I live up here, but all my family and friends and stuff are down in Victoria. So I've got a it's a year of thirtieth. So I've gotta fly back a bunch of times to Melbourne. This, that, and the other.\n\nMy friends go baby shower next month, and the thirtieth the next month, and then my thirtieth the next month. And, you know, It's just one of those things. Yeah. With all the time that I don't have. Yep.\n\nYeah. I mean, ideally, probably shorter time if I can, but the markets here are an absolute nightmare. And, I mean, the changes that they've put in last night are something, but I don't think they're gonna really do much for me. Yeah. Yeah.\n\nYeah. Exactly. But yeah. So I'm I'm sorta trending towards trying to get my deposit together. I'm doing pretty well.\n\nLike, I moved I moved out a couple of months back, and the rent is, like, almost exactly half, which is great. So it's allowing me to put a bit more away, which I've just got sort of I'm just basically feeding what excess I can into, like, a increased interest savings. That's there's $8 sitting in there, and that's earning it, I think it's 4% per annum. I'd be interested if you have any sort of knowledge of anything that I can sort of do that's, like, relatively high stability, but, like, anything higher on on interest return. So, like, I don't know.\n\nI haven't looked much into, like, you know I I just don't really have the time or the things of late to look much into it, but I was looking at, like, you know, term deposits or things like that to make it grow a bit quicker. But, yeah, it's a it's a good base to start with now between that. What I've got set aside in that concessional part of my super, I think is up around 15 now that I can draw on for that home buyer scheme or whatever it is that they've got. And then, I mean, that's got me sort of somewhere toward the early twenties. And then with another, you know, six months to a year behind me, I should have a a decent deposit put together, hopefully.\n\nYeah. Yep. Yeah. Yeah. That'd be great.\n\nJust trying to find ways to, you know, maximize and, you know, at at base minimum, just try and be cash rate. But, like, if I can sort of start to actually get it to compound a little, it'd be good. No. Yeah. No.\n\nIt's not looking that way. Yeah. Yeah. I mean, all this stuff with negative gearing and all the rest, it's kinda like, well, it'll you know, it'll help a little bit, but at the same time, there's all these exemptions that are just gonna, you know, like, not make that available to people coming in, but the people that are already in just sorta get to stay in. It's a little weird.\n\nYeah. Yeah. Yeah. It's grim out there. Yeah.\n\nNo. So that's where I was at. 3 60 a week with bills. I'm now down at $1.90 excluding. So, yeah, I'm now paying in rent a fortnight what I used to pay a week.\n\nSo I set bills on top of that, which I was which were included before. So I haven't had a round of bills yet since moving in, but I imagine it won't be too bad because there's so many people that live here. Three, four, five, six of us. So bills could that's why the rent's so cheap, but, like, two people live in, like, a, like, a separate tiny home in the backyard. And so, like, we never see them.\n\nThe person lives downstairs, I see, like, once a week. Like, it's it's really, like, I have two housemates, and yet we pay rent as if there's six. So it's kinda nice. And I'm sure the I'm sure the bills will probably reflect that too. I've been trying to cut it back.\n\nAnd, I mean, yeah, I've been been doing work in Brisbane. Most of my friends as well, like, my friendship base is in Brisbane mostly. But I, like, when I when I go for work, I usually get to take a work car, which is good. And I just did I've done two stints in the last year now up in Manalaza in, like, the the Northern Gulf doing work stuff. So I did two separate two weeks since where they threw me up there.\n\nAnd while I'm up there, I'm acting in the next level, so a higher role, which is why the estimates for my income have gone up because I'm doing more overtime. I'm doing acting positions in higher roles that come at a higher pay base and things like that. So yeah. And then and I went up a a scale. So I went from 3.1 to 3.2 or whatever it is.\n\nSo I think that's, like, an extra dollar and something or dollar and a bit an hour, which, you know, is something. Yeah. Oh, no. It happened super quick. Yeah.\n\nI don't know. I I said this a little while ago, and, like, for the life of me, it's it's not changed. I I got to March, and I was like, I I literally can't remember February. Like, I there's not a single thing that happened in February that I can actually go, oh, yeah. That happened in February.\n\nThe month just came and went, and I I don't even know where. Like, it just I just worked for four straight weeks and and didn't didn't even yeah. I don't know. I I did a bunch of, like I was like I think there was a patch earlier in the year where I did, like, six straight weekends where I did overtime, and it's just all a blur. It's gone.\n\nI don't know what happened to February. He disappeared. It was January, and I thought it was March. Yeah. Yeah.\n\nMaybe it's maybe that's the thing. You know? I'm, you know, another year older, like, this is what the 30 plus deal like. Oh, wait. How good.\n\nYeah. It might be maybe 18 now. And I think they're not only gonna I can just check on phone with you now, actually. Sorry. It's just loading.\n\nI think last time I checked, it was around about 13 to go. But I don't know if that's just the amount owing or if that's full payout quote, but there's no balloon at the end of it or anything like that. Oh, there we go. There is for me to do a full payout, there is 12 and a half grand to go. Yeah.\n\nSo, yeah, just, what, 500 a month. So that's around about two years ago, which just about tracks because I got this in May, apparently, three years ago. Somehow, not much time has passed. Yeah. So, yeah, two years ago on that.\n\nI think if I get to a point where I feel like I'm happy with where the positive's at and I start looking a bit more seriously at buying, which I'm hoping will probably be within the next year depending on how things move. Because between yeah. Like I said, between professional contributions to Super, the savings that I now have sitting there waiting for me, and also what I've got in this investment account if I need to access that to boost it. I'm already sitting at, I think, around about 25. So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early.\n\nYeah. Oh, okay. Cool. Yep. Great.\n\nGotcha. Excellent. So it's just choking up towards, yeah, being able to access it. Because I think the cap on it's, like, 50 or something like that. So I've got ages enjoying getting close to that.\n\nYeah. Yeah. I mean, shit. The way it is in a gold quest. I'll take what I can get at this stage.\n\nIt's yeah. It's marking. It's awful. A bunch of my colleagues are with me as well, and they're just getting nowhere. But I also might end up moving back to Melbourne.\n\nI'm not sure. So it's all very up in the end. And if I go back to Melbourne I think I think in Melbourne, I could probably buy it and buy now. But, yeah, up here, it's like no. Down there, I was looking at apartments in, like, some of the suburbs that I'd look to live in and, yeah, like, a two bed for, like, $4.50, 500 down there.\n\nWhereas up here, it's 600 and you need another $100 to throw it, fixing it up. Crazy. Yeah. Yep. Yep.\n\nCool. Thank you. Yep. Yep. No worries.\n\nThanks. Yes. You too. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.033109474927186966},{"text":"Yeah.","start":7.6,"end":8.0,"sentiment":"neutral","sentiment_score":0.17226487398147583},{"text":"How are you doing?","start":8.0,"end":8.9,"sentiment":"neutral","sentiment_score":0.25861142575740814},{"text":"Oh, yeah.","start":12.885,"end":13.705,"sentiment":"neutral","sentiment_score":0.05830210819840431},{"text":"You know?","start":14.245,"end":14.985001,"sentiment":"neutral","sentiment_score":0.04229976236820221}],"sentiment":"neutral","sentiment_score":0.14410237930715084,"num_words":10,"start":1.92,"end":14.985001},{"sentences":[{"text":"Work.","start":16.805,"end":17.305,"sentiment":"neutral","sentiment_score":0.060972586274147034},{"text":"Oh, no.","start":25.6,"end":26.08,"sentiment":"neutral","sentiment_score":-0.05186294764280319},{"text":"No.","start":26.08,"end":26.480001,"sentiment":"neutral","sentiment_score":-0.05626798048615456},{"text":"That's all good.","start":26.480001,"end":27.52,"sentiment":"neutral","sentiment_score":0.035016417503356934},{"text":"I I'm not really sure what happened with the phone there.","start":27.52,"end":29.84,"sentiment":"neutral","sentiment_score":-0.18478615311059085}],"sentiment":"neutral","sentiment_score":-0.11258998451133569,"num_words":18,"start":16.805,"end":29.84},{"sentences":[{"text":"It's yeah.","start":29.84,"end":32.42,"sentiment":"neutral","sentiment_score":-0.05649496056139469},{"text":"Called through, and it was making some it was like I dialed the fax machine or something.","start":33.04,"end":37.14,"sentiment":"neutral","sentiment_score":-0.12617378944859786},{"text":"Yeah.","start":40.735,"end":41.215,"sentiment":"neutral","sentiment_score":-0.02965426445007324},{"text":"But anyway yeah.","start":41.215,"end":46.915,"sentiment":"neutral","sentiment_score":0.05928934241334597},{"text":"I am presently driving for about the next two minutes.","start":55.21,"end":58.57,"sentiment":"neutral","sentiment_score":0.04670808538794517}],"sentiment":"neutral","sentiment_score":-0.04977726439634959,"num_words":33,"start":29.84,"end":58.57},{"sentences":[{"text":"I'm just on my way home.","start":58.57,"end":59.870003,"sentiment":"neutral","sentiment_score":0.09433055172363917},{"text":"Yep.","start":79.729996,"end":80.21,"sentiment":"neutral","sentiment_score":0.14206884801387787},{"text":"Easy.","start":80.21,"end":80.71,"sentiment":"neutral","sentiment_score":0.21772438287734985},{"text":"Yeah.","start":91.605,"end":91.845,"sentiment":"neutral","sentiment_score":0.1114124357700348},{"text":"Of course.","start":91.845,"end":92.585,"sentiment":"neutral","sentiment_score":0.1969379484653473}],"sentiment":"neutral","sentiment_score":0.13009680672125382,"num_words":11,"start":58.57,"end":92.585},{"sentences":[{"text":"Terry James Gray.","start":102.26,"end":103.3,"sentiment":"neutral","sentiment_score":0.023267115155855816},{"text":"August 23 '96.","start":103.3,"end":105.4,"sentiment":"neutral","sentiment_score":0.017157727231582005},{"text":"'8 Arona Avenue, South Park.","start":105.86,"end":107.880005,"sentiment":"neutral","sentiment_score":0.03422627300024032},{"text":"Yep.","start":119.795,"end":120.295,"sentiment":"neutral","sentiment_score":0.050909459590911865},{"text":"Yeah.","start":131.33,"end":131.83,"sentiment":"neutral","sentiment_score":0.04868526756763458}],"sentiment":"neutral","sentiment_score":0.030153893794004735,"num_words":13,"start":102.26,"end":131.83},{"sentences":[{"text":"Yep.","start":134.45,"end":134.76999,"sentiment":"neutral","sentiment_score":0.1216362863779068},{"text":"I think that just came through.","start":134.76999,"end":136.47,"sentiment":"neutral","sentiment_score":0.16360623265306154},{"text":"Cool.","start":157.425,"end":157.65,"sentiment":"neutral","sentiment_score":0.1360885351896286},{"text":"Yep.","start":173.725,"end":174.225,"sentiment":"neutral","sentiment_score":0.07878267019987106},{"text":"Cool.","start":179.80501,"end":180.30501,"sentiment":"neutral","sentiment_score":0.24757269024848935}],"sentiment":"neutral","sentiment_score":0.15657175779342652,"num_words":10,"start":134.45,"end":180.30501},{"sentences":[{"text":"Yeah.","start":188.39,"end":188.71,"sentiment":"positive","sentiment_score":0.4212907552719116},{"text":"Thanks.","start":188.71,"end":189.21,"sentiment":"positive","sentiment_score":0.6057611703872681},{"text":"Yes.","start":204.535,"end":205.035,"sentiment":"neutral","sentiment_score":0.03168414533138275},{"text":"For the moment, I might hold off because I, like, I use it for my my, like, car payment, car insurance, things like that.","start":221.76999,"end":230.25499,"sentiment":"neutral","sentiment_score":-0.02692966302856803},{"text":"And I've got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well.","start":231.03499,"end":236.495,"sentiment":"neutral","sentiment_score":-0.16321285216039733}],"sentiment":"neutral","sentiment_score":-0.058448261581361294,"num_words":46,"start":188.39,"end":236.495},{"sentences":[{"text":"Cool.","start":248.5,"end":248.9,"sentiment":"neutral","sentiment_score":0.3137940764427185},{"text":"No worries.","start":248.9,"end":249.64,"sentiment":"neutral","sentiment_score":0.26942986249923706},{"text":"Yep.","start":258.5,"end":259.0,"sentiment":"neutral","sentiment_score":0.00363461091183126},{"text":"Oh, yeah.","start":272.405,"end":272.965,"sentiment":"neutral","sentiment_score":-0.07188252173364162},{"text":"Yeah.","start":272.965,"end":273.205,"sentiment":"neutral","sentiment_score":-0.07873043417930603}],"sentiment":"neutral","sentiment_score":0.09054184781520494,"num_words":7,"start":248.5,"end":273.205},{"sentences":[{"text":"It's a whole mess.","start":273.205,"end":274.14,"sentiment":"neutral","sentiment_score":-0.17634720727801323},{"text":"Yep.","start":317.875,"end":318.375,"sentiment":"neutral","sentiment_score":0.033564865589141846},{"text":"Yeah.","start":333.56,"end":333.96,"sentiment":"neutral","sentiment_score":-0.02235925942659378},{"text":"Yeah.","start":333.96,"end":334.2,"sentiment":"neutral","sentiment_score":0.1339191496372223},{"text":"It's been all over the place.","start":334.2,"end":335.5,"sentiment":"neutral","sentiment_score":0.27490949879089993}],"sentiment":"neutral","sentiment_score":0.08378407072562438,"num_words":13,"start":273.205,"end":335.5},{"sentences":[{"text":"Yeah.","start":360.99,"end":361.49,"sentiment":"neutral","sentiment_score":-0.13809865713119507},{"text":"Yep.","start":378.055,"end":378.555,"sentiment":"neutral","sentiment_score":0.05223606526851654},{"text":"No worries.","start":379.08002,"end":379.82,"sentiment":"neutral","sentiment_score":0.11979397386312485},{"text":"Yes.","start":405.01498,"end":405.42,"sentiment":"neutral","sentiment_score":0.2835749387741089},{"text":"Yep.","start":421.555,"end":422.055,"sentiment":"neutral","sentiment_score":0.06775062531232834}],"sentiment":"neutral","sentiment_score":0.0841751533250014,"num_words":6,"start":360.99,"end":422.055},{"sentences":[{"text":"Yeah.","start":449.165,"end":449.64502,"sentiment":"neutral","sentiment_score":0.03234156221151352},{"text":"No.","start":449.64502,"end":449.965,"sentiment":"neutral","sentiment_score":0.018788745626807213},{"text":"That that largely sounds fine.","start":449.965,"end":451.98502,"sentiment":"neutral","sentiment_score":0.09642364829778671},{"text":"I obviously, like, I tracked the budget last night as it was sort of coming out and bits and pieces.","start":454.525,"end":461.185,"sentiment":"neutral","sentiment_score":0.0013456783955916763},{"text":"I'm just wondering if I if I've got anything that's sort of tied to the fence.","start":461.97,"end":467.43002,"sentiment":"neutral","sentiment_score":-0.01629250729456544}],"sentiment":"neutral","sentiment_score":0.006964697686652112,"num_words":43,"start":449.165,"end":467.43002},{"sentences":[{"text":"Yeah.","start":473.25,"end":473.75,"sentiment":"neutral","sentiment_score":-0.0013731950893998146},{"text":"Oh, no.","start":488.555,"end":489.115,"sentiment":"neutral","sentiment_score":-0.09096145257353783},{"text":"I was just curious because I know that the well, it was sort of flagged.","start":489.115,"end":493.75,"sentiment":"neutral","sentiment_score":-0.1501420592268308},{"text":"We knew that they were gonna be throwing a bit of money at it in the budget, and then I think it came in a little bit over what even expectations were.","start":493.75,"end":500.17,"sentiment":"neutral","sentiment_score":-0.19510333216749132},{"text":"Yeah.","start":516.475,"end":516.87,"sentiment":"neutral","sentiment_score":0.029714005067944527}],"sentiment":"neutral","sentiment_score":-0.16958861986138657,"num_words":51,"start":473.25,"end":516.87},{"sentences":[{"text":"Yeah.","start":544.02,"end":544.42004,"sentiment":"neutral","sentiment_score":0.10094385594129562},{"text":"Yeah.","start":544.42004,"end":544.92004,"sentiment":"neutral","sentiment_score":0.18593493103981015},{"text":"Yeah.","start":546.34,"end":546.84,"sentiment":"neutral","sentiment_score":0.2194487601518631},{"text":"To some degree, I just yeah.","start":546.98004,"end":548.98004,"sentiment":"neutral","sentiment_score":0.11171742528676987},{"text":"It was just one of the things that was on the back of my mind.","start":548.98004,"end":551.56006,"sentiment":"neutral","sentiment_score":0.088894255956014}],"sentiment":"neutral","sentiment_score":0.10458524742474158,"num_words":24,"start":544.02,"end":551.56006},{"sentences":[{"text":"Yeah.","start":553.14,"end":553.64,"sentiment":"neutral","sentiment_score":0.22984132170677185},{"text":"Great.","start":593.265,"end":593.765,"sentiment":"positive","sentiment_score":0.7412921786308289},{"text":"Thanks.","start":593.90497,"end":594.33,"sentiment":"positive","sentiment_score":0.7075149416923523},{"text":"Yeah.","start":611.45496,"end":611.95496,"sentiment":"neutral","sentiment_score":-0.02367265522480011},{"text":"Yes.","start":647.855,"end":648.355,"sentiment":"neutral","sentiment_score":0.03943878412246704}],"sentiment":"positive","sentiment_score":0.33888291418552396,"num_words":5,"start":553.14,"end":648.355},{"sentences":[{"text":"Yep.","start":681.99,"end":682.49,"sentiment":"neutral","sentiment_score":0.18406909704208377},{"text":"Cool.","start":683.75,"end":684.25,"sentiment":"neutral","sentiment_score":0.2944883704185486},{"text":"Yeah.","start":699.045,"end":699.545,"sentiment":"neutral","sentiment_score":0.028747856616973877},{"text":"Just one question I had was in regard to fees.","start":700.165,"end":708.42004,"sentiment":"neutral","sentiment_score":-0.005472615733742714},{"text":"So I and I might be misremembering or I might be misremembering specifics, but I I think from memory, what what we had discussed was that fees would kick in once the balance reached $10.","start":708.42004,"end":721.535,"sentiment":"neutral","sentiment_score":-0.001134453501020159}],"sentiment":"neutral","sentiment_score":0.008601526962593198,"num_words":48,"start":681.99,"end":721.535},{"sentences":[{"text":"No worries.","start":791.005,"end":791.645,"sentiment":"neutral","sentiment_score":0.05422874353826046},{"text":"Thanks.","start":791.645,"end":791.965,"sentiment":"neutral","sentiment_score":0.1082020252943039},{"text":"I just yeah.","start":791.965,"end":793.345,"sentiment":"neutral","sentiment_score":-0.0361669659614563},{"text":"No.","start":793.49,"end":793.64996,"sentiment":"neutral","sentiment_score":-0.08279433846473694},{"text":"No.","start":793.64996,"end":794.0499,"sentiment":"neutral","sentiment_score":-0.08294635266065598}],"sentiment":"neutral","sentiment_score":-0.0071977595798671246,"num_words":8,"start":791.005,"end":794.0499},{"sentences":[{"text":"That's fine.","start":794.0499,"end":794.94995,"sentiment":"neutral","sentiment_score":-0.09147785790264606},{"text":"I yeah.","start":796.44995,"end":796.85,"sentiment":"neutral","sentiment_score":-0.026387052610516548},{"text":"I was like, I talked it a little while ago and I went, oh, I can't remember if that was, like, something that had changed or yeah.","start":796.85,"end":803.64996,"sentiment":"neutral","sentiment_score":-0.06996251297769723},{"text":"That's all good.","start":803.64996,"end":804.62994,"sentiment":"neutral","sentiment_score":-0.07896975427865982},{"text":"No drama.","start":805.32996,"end":805.91,"sentiment":"neutral","sentiment_score":-0.04334702156484127}],"sentiment":"neutral","sentiment_score":-0.0680089160386059,"num_words":36,"start":794.0499,"end":805.91},{"sentences":[{"text":"All good.","start":812.685,"end":813.34503,"sentiment":"positive","sentiment_score":0.5374171137809753},{"text":"No stress.","start":825.96,"end":826.78,"sentiment":"neutral","sentiment_score":0.29580408334732056},{"text":"Thanks.","start":826.92004,"end":827.42004,"sentiment":"positive","sentiment_score":0.6762208938598633},{"text":"Yes.","start":841.305,"end":841.805,"sentiment":"neutral","sentiment_score":0.05138673633337021},{"text":"Yes.","start":849.06494,"end":849.51,"sentiment":"neutral","sentiment_score":0.08134496212005615}],"sentiment":"positive","sentiment_score":0.35362785522426876,"num_words":7,"start":812.685,"end":849.51},{"sentences":[{"text":"No.","start":876.615,"end":876.855,"sentiment":"neutral","sentiment_score":-0.19160662591457367},{"text":"I'm I'm fine with that.","start":876.855,"end":878.295,"sentiment":"neutral","sentiment_score":-0.12842391580343246},{"text":"That's, yeah, plenty more than would be needed.","start":878.295,"end":881.75,"sentiment":"neutral","sentiment_score":-0.07118217274546623},{"text":"So that's fine.","start":881.81,"end":882.95,"sentiment":"neutral","sentiment_score":0.02459720855889221},{"text":"Yeah.","start":900.22504,"end":900.625,"sentiment":"neutral","sentiment_score":0.010830961167812347}],"sentiment":"neutral","sentiment_score":-0.07325338889172094,"num_words":18,"start":876.615,"end":900.625},{"sentences":[{"text":"Yeah.","start":900.625,"end":900.865,"sentiment":"neutral","sentiment_score":-0.0034172646701335907},{"text":"I'm just about to correct the halfway point.","start":900.865,"end":903.10504,"sentiment":"neutral","sentiment_score":-0.004022241657366976},{"text":"So yeah.","start":903.10504,"end":907.29004,"sentiment":"neutral","sentiment_score":0.0943232886493206},{"text":"I mean, look, you know, ideally, I'll be able to retire sooner.","start":907.29004,"end":911.13,"sentiment":"neutral","sentiment_score":0.08340531090895335},{"text":"But, yeah, that's probably realistic, I 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major.","start":950.285,"end":952.545,"sentiment":"neutral","sentiment_score":-0.03936977001527945},{"text":"Like, I live up here, but all my family and friends and stuff are down in Victoria.","start":953.005,"end":957.165,"sentiment":"neutral","sentiment_score":0.04220632682828342},{"text":"So I've got a it's a year of thirtieth.","start":957.165,"end":959.985,"sentiment":"neutral","sentiment_score":0.04481929623418384},{"text":"So I've gotta fly back a bunch of times to Melbourne.","start":960.125,"end":963.75,"sentiment":"neutral","sentiment_score":0.04729602062566714},{"text":"This, that, and the other.","start":964.85,"end":966.05,"sentiment":"neutral","sentiment_score":0.06453511342406273}],"sentiment":"neutral","sentiment_score":0.03599154991873851,"num_words":48,"start":950.285,"end":966.05},{"sentences":[{"text":"My friends go baby shower next month, and the thirtieth the next month, and then my thirtieth the next month.","start":966.05,"end":972.77,"sentiment":"neutral","sentiment_score":0.06272281324490905},{"text":"And, you know, It's just one of those things.","start":972.77,"end":976.645,"sentiment":"neutral","sentiment_score":-0.020025056269433763},{"text":"Yeah.","start":978.065,"end":978.465,"sentiment":"neutral","sentiment_score":-0.0070915548130869865},{"text":"With all the time that I don't have.","start":978.465,"end":980.405,"sentiment":"neutral","sentiment_score":-0.06911078933626413},{"text":"Yep.","start":990.77997,"end":991.27997,"sentiment":"neutral","sentiment_score":-0.007125392556190491}],"sentiment":"neutral","sentiment_score":0.013003269138817605,"num_words":39,"start":966.05,"end":991.27997},{"sentences":[{"text":"Yeah.","start":994.38,"end":994.62,"sentiment":"neutral","sentiment_score":-0.05125989764928818},{"text":"I mean, ideally, probably shorter time if I can, but the markets here are an absolute nightmare.","start":994.62,"end":1002.0,"sentiment":"neutral","sentiment_score":-0.2225707313593696},{"text":"And, I mean, the changes that they've put in last night are something, but I don't think they're gonna really do much for me.","start":1002.06,"end":1010.71497,"sentiment":"neutral","sentiment_score":-0.08601380931213498},{"text":"Yeah.","start":1024.39,"end":1024.89,"sentiment":"neutral","sentiment_score":-0.014416649006307123},{"text":"Yeah.","start":1031.085,"end":1031.585,"sentiment":"neutral","sentiment_score":-0.03348451480269432}],"sentiment":"neutral","sentiment_score":-0.13516352086497302,"num_words":44,"start":994.38,"end":1031.585},{"sentences":[{"text":"Yeah.","start":1046.9099,"end":1047.4099,"sentiment":"neutral","sentiment_score":-0.004731256049126387},{"text":"Exactly.","start":1049.63,"end":1050.13,"sentiment":"neutral","sentiment_score":0.03273261711001396},{"text":"But yeah.","start":1050.99,"end":1051.63,"sentiment":"neutral","sentiment_score":0.025370730087161064},{"text":"So I'm I'm sorta trending towards trying to get my deposit together.","start":1051.63,"end":1056.61,"sentiment":"neutral","sentiment_score":0.06393841498841842},{"text":"I'm doing pretty well.","start":1058.035,"end":1059.395,"sentiment":"positive","sentiment_score":0.5513413697481155}],"sentiment":"neutral","sentiment_score":0.15256846400443463,"num_words":20,"start":1046.9099,"end":1059.395},{"sentences":[{"text":"Like, I moved I moved out a couple of months back, and the rent is, like, almost exactly half, which is great.","start":1059.395,"end":1069.315,"sentiment":"positive","sentiment_score":0.38728370517492294},{"text":"So it's allowing me to put a bit more away, which I've just got sort of I'm just basically feeding what excess I can into, like, a increased interest savings.","start":1069.315,"end":1081.45,"sentiment":"positive","sentiment_score":0.39478533466657},{"text":"That's there's $8 sitting in there, and that's earning it, I think it's 4% per annum.","start":1084.31,"end":1095.175,"sentiment":"neutral","sentiment_score":0.160446667810902},{"text":"I'd be interested if you have any sort of knowledge of anything that I can sort of do that's, like, relatively high stability, but, like, anything higher on on interest return.","start":1097.155,"end":1112.7899,"sentiment":"neutral","sentiment_score":0.06692715043262128},{"text":"So, like, I don't know.","start":1113.9651,"end":1115.425,"sentiment":"neutral","sentiment_score":-0.0010566566139459607}],"sentiment":"neutral","sentiment_score":0.24038852518424392,"num_words":104,"start":1059.395,"end":1115.425},{"sentences":[{"text":"I haven't looked much into, like, you know I I just don't really have the time or the things of late to look much into it, but I was looking at, like, you know, term deposits or things like that to make it grow a bit quicker.","start":1116.365,"end":1130.42,"sentiment":"neutral","sentiment_score":-0.0077396139026956355},{"text":"But, yeah, it's a it's a good base to start with now between that.","start":1130.42,"end":1136.92,"sentiment":"neutral","sentiment_score":0.18296651914715767},{"text":"What I've got set aside in that concessional part of my super, I think is up around 15 now that I can draw on for that home buyer scheme or whatever it is that they've got.","start":1137.2201,"end":1150.98,"sentiment":"neutral","sentiment_score":0.0942238231913911},{"text":"And then, I mean, that's got me sort of somewhere toward the early twenties.","start":1153.0599,"end":1157.62,"sentiment":"neutral","sentiment_score":0.05132122790174825},{"text":"And then with another, you know, six months to a year behind me, I should have a a decent deposit put together, hopefully.","start":1157.62,"end":1164.6,"sentiment":"neutral","sentiment_score":0.17946502793094385}],"sentiment":"neutral","sentiment_score":0.07788074539223713,"num_words":134,"start":1116.365,"end":1164.6},{"sentences":[{"text":"Yeah.","start":1179.1951,"end":1179.675,"sentiment":"neutral","sentiment_score":0.13043855130672455},{"text":"Yep.","start":1179.675,"end":1180.11,"sentiment":"neutral","sentiment_score":0.10707701742649078},{"text":"Yeah.","start":1187.07,"end":1187.39,"sentiment":"neutral","sentiment_score":0.11613958328962326},{"text":"Yeah.","start":1187.39,"end":1187.63,"sentiment":"neutral","sentiment_score":0.1702619642019272},{"text":"That'd be great.","start":1187.63,"end":1188.53,"sentiment":"positive","sentiment_score":0.4260781407356262}],"sentiment":"neutral","sentiment_score":0.25745021977594923,"num_words":7,"start":1179.1951,"end":1188.53},{"sentences":[{"text":"Just trying to find ways to, you know, maximize and, you know, at at base minimum, just try and be cash rate.","start":1189.39,"end":1196.995,"sentiment":"neutral","sentiment_score":0.2863804989240386},{"text":"But, like, if I can sort of start to actually get it to compound a little, it'd be good.","start":1196.995,"end":1201.815,"sentiment":"neutral","sentiment_score":0.2623250484466553},{"text":"No.","start":1214.73,"end":1215.23,"sentiment":"neutral","sentiment_score":-0.1321806013584137},{"text":"Yeah.","start":1251.165,"end":1251.665,"sentiment":"neutral","sentiment_score":-0.019847815856337547},{"text":"No.","start":1278.235,"end":1278.5549,"sentiment":"neutral","sentiment_score":-0.24640783667564392}],"sentiment":"neutral","sentiment_score":0.24741160552102057,"num_words":44,"start":1189.39,"end":1278.5549},{"sentences":[{"text":"It's not looking that way.","start":1278.5549,"end":1280.095,"sentiment":"neutral","sentiment_score":-0.20373770892620086},{"text":"Yeah.","start":1280.395,"end":1280.895,"sentiment":"neutral","sentiment_score":-0.11972621828317642},{"text":"Yeah.","start":1284.635,"end":1284.955,"sentiment":"neutral","sentiment_score":-0.0799313336610794},{"text":"I mean, all this stuff with negative gearing and all the rest, it's kinda like, well, it'll you know, it'll help a little bit, but at the same time, there's all these exemptions that are just gonna, you know, like, not make that available to people coming in, but the people that are already in just sorta get to stay in.","start":1284.955,"end":1303.425,"sentiment":"neutral","sentiment_score":-0.1380524373323214},{"text":"It's a little weird.","start":1303.425,"end":1315.5463,"sentiment":"negative","sentiment_score":-0.4047022620216012}],"sentiment":"neutral","sentiment_score":-0.15636602530462873,"num_words":72,"start":1278.5549,"end":1315.5463},{"sentences":[{"text":"Yeah.","start":1326.4401,"end":1326.9401,"sentiment":"neutral","sentiment_score":-0.21418321132659912},{"text":"Yeah.","start":1356.82,"end":1357.2999,"sentiment":"neutral","sentiment_score":-0.0674842894077301},{"text":"Yeah.","start":1357.2999,"end":1357.5399,"sentiment":"neutral","sentiment_score":-0.058408480137586594},{"text":"It's grim out there.","start":1357.5399,"end":1360.44,"sentiment":"neutral","sentiment_score":-0.2999073676764965},{"text":"Yeah.","start":1362.5,"end":1363.0,"sentiment":"neutral","sentiment_score":-0.10337378084659576}],"sentiment":"neutral","sentiment_score":-0.2053849040530622,"num_words":8,"start":1326.4401,"end":1363.0},{"sentences":[{"text":"No.","start":1372.895,"end":1373.135,"sentiment":"neutral","sentiment_score":-0.10461613535881042},{"text":"So that's where I was at.","start":1373.135,"end":1374.755,"sentiment":"neutral","sentiment_score":-0.04929326785107454},{"text":"3 60 a week with bills.","start":1375.295,"end":1377.155,"sentiment":"neutral","sentiment_score":0.0017393581413974364},{"text":"I'm now down at $1.90 excluding.","start":1377.855,"end":1382.39,"sentiment":"neutral","sentiment_score":0.05217050450543562},{"text":"So, yeah, I'm now paying in rent a fortnight what I used to pay a week.","start":1385.25,"end":1391.91,"sentiment":"neutral","sentiment_score":0.09612293029204011}],"sentiment":"neutral","sentiment_score":0.041744294802525214,"num_words":35,"start":1372.895,"end":1391.91},{"sentences":[{"text":"So I set bills on top of that, which I was which were included before.","start":1394.965,"end":1400.085,"sentiment":"neutral","sentiment_score":0.2059797575076421},{"text":"So I haven't had a round of bills yet since moving in, but I imagine it won't be too bad because there's so many people that live here.","start":1400.085,"end":1410.71,"sentiment":"neutral","sentiment_score":0.01749364027221288},{"text":"Three, four, five, six of us.","start":1414.05,"end":1416.63,"sentiment":"neutral","sentiment_score":0.02026578721900781},{"text":"So bills could that's why the rent's so cheap, but, like, two people live in, like, a, like, a separate tiny home in the backyard.","start":1417.3301,"end":1425.9049,"sentiment":"neutral","sentiment_score":-0.017153569608926774},{"text":"And so, like, we never see them.","start":1426.605,"end":1428.625,"sentiment":"neutral","sentiment_score":-0.02861697120325906}],"sentiment":"neutral","sentiment_score":0.037925370060551314,"num_words":81,"start":1394.965,"end":1428.625},{"sentences":[{"text":"The person lives downstairs, I see, like, once a week.","start":1429.005,"end":1431.565,"sentiment":"neutral","sentiment_score":0.00746656684204936},{"text":"Like, it's it's really, like, I have two housemates, and yet we pay rent as if there's six.","start":1431.565,"end":1438.9,"sentiment":"neutral","sentiment_score":0.032150541121761},{"text":"So it's kinda nice.","start":1439.2,"end":1440.98,"sentiment":"positive","sentiment_score":0.3841075301170349},{"text":"And I'm sure the I'm sure the bills will probably reflect that too.","start":1442.08,"end":1445.46,"sentiment":"neutral","sentiment_score":0.08577402079334626},{"text":"I've been trying to cut it back.","start":1455.255,"end":1456.875,"sentiment":"neutral","sentiment_score":-0.14086958127362387}],"sentiment":"neutral","sentiment_score":0.044591937124585874,"num_words":52,"start":1429.005,"end":1456.875},{"sentences":[{"text":"And, I mean, yeah, I've been been doing work in Brisbane.","start":1458.215,"end":1460.9349,"sentiment":"neutral","sentiment_score":0.03413725762882016},{"text":"Most of my friends as well, like, my friendship base is in Brisbane mostly.","start":1460.9349,"end":1464.87,"sentiment":"neutral","sentiment_score":0.06677821092307568},{"text":"But I, like, when I when I go for work, I usually get to take a work car, which is good.","start":1466.53,"end":1474.39,"sentiment":"neutral","sentiment_score":0.04117150063670817},{"text":"And I just did I've done two stints in the last year now up in Manalaza in, like, the the Northern Gulf doing work stuff.","start":1475.49,"end":1487.285,"sentiment":"neutral","sentiment_score":0.0767921820282936},{"text":"So I did two separate two weeks since where they threw me up there.","start":1487.285,"end":1491.1499,"sentiment":"neutral","sentiment_score":0.060418837038534026}],"sentiment":"neutral","sentiment_score":0.05812558317009141,"num_words":85,"start":1458.215,"end":1491.1499},{"sentences":[{"text":"And while I'm up there, I'm acting in the next level, so a higher role, which is why the estimates for my income have gone up because I'm doing more overtime.","start":1491.1499,"end":1502.0499,"sentiment":"neutral","sentiment_score":0.1123009886472456},{"text":"I'm doing acting positions in higher roles that come at a higher pay base and things like that.","start":1502.19,"end":1508.375,"sentiment":"neutral","sentiment_score":0.11295969287554423},{"text":"So yeah.","start":1508.375,"end":1511.495,"sentiment":"neutral","sentiment_score":0.09728758037090302},{"text":"And then and I went up a a scale.","start":1511.495,"end":1513.675,"sentiment":"neutral","sentiment_score":0.05957725437151061},{"text":"So I went from 3.1 to 3.2 or whatever it is.","start":1514.135,"end":1517.3501,"sentiment":"neutral","sentiment_score":0.06767036291685971}],"sentiment":"neutral","sentiment_score":0.09844717692951081,"num_words":71,"start":1491.1499,"end":1517.3501},{"sentences":[{"text":"So I think that's, like, an extra dollar and something or dollar and a bit an hour, which, you know, is something.","start":1517.3501,"end":1526.0901,"sentiment":"neutral","sentiment_score":0.11363471638072621},{"text":"Yeah.","start":1541.88,"end":1542.38,"sentiment":"neutral","sentiment_score":0.17294494807720184},{"text":"Oh, no.","start":1546.36,"end":1547.1,"sentiment":"neutral","sentiment_score":0.0817915964871645},{"text":"It happened super quick.","start":1547.72,"end":1549.1,"sentiment":"neutral","sentiment_score":0.2000850774347782},{"text":"Yeah.","start":1551.88,"end":1552.365,"sentiment":"neutral","sentiment_score":0.0028666332364082336}],"sentiment":"neutral","sentiment_score":0.12132329481343428,"num_words":30,"start":1517.3501,"end":1552.365},{"sentences":[{"text":"I don't know.","start":1552.365,"end":1555.885,"sentiment":"neutral","sentiment_score":-0.1653568223118782},{"text":"I I said this a little while ago, and, like, for the life of me, it's it's not changed.","start":1555.885,"end":1561.265,"sentiment":"neutral","sentiment_score":-0.18098879880026766},{"text":"I I got to March, and I was like, I I literally can't remember February.","start":1561.485,"end":1565.485,"sentiment":"neutral","sentiment_score":-0.13412634879350663},{"text":"Like, I there's not a single thing that happened in February that I can actually go, oh, yeah.","start":1565.485,"end":1570.03,"sentiment":"neutral","sentiment_score":-0.0920458645042446},{"text":"That happened in February.","start":1570.03,"end":1571.17,"sentiment":"neutral","sentiment_score":-0.06254895776510239}],"sentiment":"neutral","sentiment_score":-0.133114818104748,"num_words":59,"start":1552.365,"end":1571.17},{"sentences":[{"text":"The month just came and went, and I I don't even know where.","start":1571.63,"end":1576.1901,"sentiment":"neutral","sentiment_score":-0.11705796936383614},{"text":"Like, it just I just worked for four straight weeks and and didn't didn't even yeah.","start":1576.1901,"end":1584.125,"sentiment":"neutral","sentiment_score":-0.08065475430339575},{"text":"I don't know.","start":1584.125,"end":1584.685,"sentiment":"neutral","sentiment_score":-0.12147220969200134},{"text":"I I did a bunch of, like I was like I think there was a patch earlier in the year where I did, like, six straight weekends where I did overtime, and it's just all a blur.","start":1584.685,"end":1594.145,"sentiment":"neutral","sentiment_score":-0.12843628610308105},{"text":"It's gone.","start":1597.54,"end":1598.28,"sentiment":"negative","sentiment_score":-0.4491323232650757}],"sentiment":"neutral","sentiment_score":-0.12432469763386418,"num_words":71,"start":1571.63,"end":1598.28},{"sentences":[{"text":"I don't know what happened to February.","start":1598.34,"end":1599.8,"sentiment":"neutral","sentiment_score":-0.25106997042894363},{"text":"He disappeared.","start":1600.1,"end":1600.92,"sentiment":"neutral","sentiment_score":-0.1884719878435135},{"text":"It was January, and I thought it was March.","start":1602.18,"end":1604.2,"sentiment":"neutral","sentiment_score":-0.07450459690557586},{"text":"Yeah.","start":1611.86,"end":1612.36,"sentiment":"neutral","sentiment_score":-0.010259079746901987},{"text":"Yeah.","start":1612.42,"end":1612.92,"sentiment":"neutral","sentiment_score":-0.005573009140789509}],"sentiment":"neutral","sentiment_score":-0.14104036148637533,"num_words":20,"start":1598.34,"end":1612.92},{"sentences":[{"text":"Maybe it's maybe that's the thing.","start":1613.5751,"end":1615.255,"sentiment":"neutral","sentiment_score":-0.03199596796184778},{"text":"You know?","start":1615.255,"end":1615.915,"sentiment":"neutral","sentiment_score":-0.01238893624395132},{"text":"I'm, you know, another year older, like, this is what the 30 plus deal like.","start":1616.6951,"end":1622.795,"sentiment":"neutral","sentiment_score":-0.012114098916451136},{"text":"Oh, wait.","start":1623.495,"end":1624.2351,"sentiment":"neutral","sentiment_score":0.00496901199221611},{"text":"How good.","start":1624.4551,"end":1625.1951,"sentiment":"neutral","sentiment_score":0.05158510245382786}],"sentiment":"neutral","sentiment_score":-0.010568775374580312,"num_words":27,"start":1613.5751,"end":1625.1951},{"sentences":[{"text":"Yeah.","start":1645.6749,"end":1645.995,"sentiment":"neutral","sentiment_score":-0.018845446407794952},{"text":"It might be maybe 18 now.","start":1645.995,"end":1648.015,"sentiment":"neutral","sentiment_score":-0.022617987357079983},{"text":"And I think they're not only gonna I can just check on phone with you now, actually.","start":1648.715,"end":1654.4149,"sentiment":"neutral","sentiment_score":0.003810337251600098},{"text":"Sorry.","start":1709.8351,"end":1710.0751,"sentiment":"neutral","sentiment_score":-0.10029271245002748},{"text":"It's just loading.","start":1710.0751,"end":1711.26,"sentiment":"neutral","sentiment_score":-0.05787439768513044}],"sentiment":"neutral","sentiment_score":-0.012989055099231856,"num_words":28,"start":1645.6749,"end":1711.26},{"sentences":[{"text":"I think last time I checked, it was around about 13 to go.","start":1714.76,"end":1718.0599,"sentiment":"neutral","sentiment_score":-0.012069104669185786},{"text":"But I don't know if that's just the amount owing or if that's full payout quote, but there's no balloon at the end of it or anything like that.","start":1718.76,"end":1726.725,"sentiment":"neutral","sentiment_score":-0.04162246027383311},{"text":"Oh, there we go.","start":1726.725,"end":1727.625,"sentiment":"neutral","sentiment_score":0.033378941006958485},{"text":"There is for me to do a full payout, there is 12 and a half grand to go.","start":1728.005,"end":1736.585,"sentiment":"neutral","sentiment_score":0.04119933531102207},{"text":"Yeah.","start":1743.15,"end":1743.23,"sentiment":"neutral","sentiment_score":0.104214146733284}],"sentiment":"neutral","sentiment_score":-0.005917411727400927,"num_words":65,"start":1714.76,"end":1743.23},{"sentences":[{"text":"So, yeah, just, what, 500 a month.","start":1743.23,"end":1745.7101,"sentiment":"neutral","sentiment_score":0.05656283348798752},{"text":"So that's around about two years ago, which just about tracks because I got this in May, apparently, three years ago.","start":1745.7101,"end":1754.245,"sentiment":"neutral","sentiment_score":0.011136420292868501},{"text":"Somehow, not much time has passed.","start":1755.025,"end":1757.605,"sentiment":"neutral","sentiment_score":-0.17958307809506854},{"text":"Yeah.","start":1760.145,"end":1760.645,"sentiment":"neutral","sentiment_score":0.05580880865454674},{"text":"So, yeah, two years ago on that.","start":1760.705,"end":1763.445,"sentiment":"neutral","sentiment_score":0.12378259907875742}],"sentiment":"neutral","sentiment_score":0.011299837957180682,"num_words":42,"start":1743.23,"end":1763.445},{"sentences":[{"text":"I think if I get to a point where I feel like I'm happy with where the positive's at and I start looking a bit more seriously at buying, which I'm hoping will probably be within the next year depending on how things move.","start":1764.3049,"end":1783.325,"sentiment":"positive","sentiment_score":0.4113403650170023},{"text":"Because between yeah.","start":1784.345,"end":1785.7849,"sentiment":"neutral","sentiment_score":0.1201292301217715},{"text":"Like I said, between professional contributions to Super, the savings that I now have sitting there waiting for me, and also what I've got in this investment account if I need to access that to boost it.","start":1785.7849,"end":1800.0,"sentiment":"neutral","sentiment_score":0.21653723978512995},{"text":"I'm already sitting at, I think, around about 25.","start":1800.38,"end":1803.84,"sentiment":"neutral","sentiment_score":0.10344161176019245},{"text":"So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early.","start":1807.26,"end":1836.09,"sentiment":"neutral","sentiment_score":0.31280784084372326}],"sentiment":"neutral","sentiment_score":0.3026336657264865,"num_words":166,"start":1764.3049,"end":1836.09},{"sentences":[{"text":"Yeah.","start":1842.775,"end":1843.275,"sentiment":"neutral","sentiment_score":0.16772061586380005},{"text":"Oh, okay.","start":1862.6951,"end":1863.435,"sentiment":"neutral","sentiment_score":0.09916404262185097},{"text":"Cool.","start":1864.2151,"end":1864.7151,"sentiment":"neutral","sentiment_score":0.21143442392349243},{"text":"Yep.","start":1876.935,"end":1877.435,"sentiment":"neutral","sentiment_score":0.040307581424713135},{"text":"Great.","start":1877.49,"end":1877.99,"sentiment":"positive","sentiment_score":0.4372503161430359}],"sentiment":"neutral","sentiment_score":0.17584017043312392,"num_words":6,"start":1842.775,"end":1877.99},{"sentences":[{"text":"Gotcha.","start":1883.25,"end":1883.75,"sentiment":"neutral","sentiment_score":-0.004250042140483856},{"text":"Excellent.","start":1885.8099,"end":1886.3099,"sentiment":"positive","sentiment_score":0.5580414533615112},{"text":"So it's just choking up towards, yeah, being able to access it.","start":1886.53,"end":1889.65,"sentiment":"neutral","sentiment_score":0.3098764593402545},{"text":"Because I think the cap on it's, like, 50 or something like that.","start":1889.65,"end":1893.615,"sentiment":"neutral","sentiment_score":0.1752283240740116},{"text":"So I've got ages enjoying getting close to that.","start":1893.615,"end":1896.435,"sentiment":"positive","sentiment_score":0.35414160291353863}],"sentiment":"neutral","sentiment_score":0.27048754340244663,"num_words":36,"start":1883.25,"end":1896.435},{"sentences":[{"text":"Yeah.","start":1898.655,"end":1899.155,"sentiment":"positive","sentiment_score":0.6516166925430298},{"text":"Yeah.","start":1904.735,"end":1905.235,"sentiment":"neutral","sentiment_score":-0.025591708719730377},{"text":"I mean, shit.","start":1905.375,"end":1906.57,"sentiment":"neutral","sentiment_score":-0.32057033975919086},{"text":"The way it is in a gold quest.","start":1906.87,"end":1908.23,"sentiment":"negative","sentiment_score":-0.4064989872276783},{"text":"I'll take what I can get at this stage.","start":1908.23,"end":1910.15,"sentiment":"neutral","sentiment_score":-0.18530582057105172}],"sentiment":"neutral","sentiment_score":-0.2388831962915984,"num_words":22,"start":1898.655,"end":1910.15},{"sentences":[{"text":"It's yeah.","start":1910.15,"end":1912.23,"sentiment":"neutral","sentiment_score":-0.1725141853094101},{"text":"It's marking.","start":1912.23,"end":1913.05,"sentiment":"negative","sentiment_score":-0.337563693523407},{"text":"It's awful.","start":1913.11,"end":1913.69,"sentiment":"negative","sentiment_score":-0.6242389678955078},{"text":"A bunch of my colleagues are with me as well, and they're just getting nowhere.","start":1915.35,"end":1918.8099,"sentiment":"neutral","sentiment_score":-0.037861324722568195},{"text":"But I also might end up moving back to Melbourne.","start":1919.91,"end":1922.495,"sentiment":"neutral","sentiment_score":-0.11164236068725586}],"sentiment":"neutral","sentiment_score":-0.1275153926183139,"num_words":31,"start":1910.15,"end":1922.495},{"sentences":[{"text":"I'm not sure.","start":1922.495,"end":1923.215,"sentiment":"neutral","sentiment_score":-0.10059835761785507},{"text":"So it's all very up in the end.","start":1923.215,"end":1926.515,"sentiment":"neutral","sentiment_score":0.2711554537527263},{"text":"And if I go back to Melbourne I think I think in Melbourne, I could probably buy it and buy now.","start":1926.975,"end":1931.715,"sentiment":"neutral","sentiment_score":-0.005007811955043247},{"text":"But, yeah, up here, it's like no.","start":1931.775,"end":1937.84,"sentiment":"neutral","sentiment_score":-0.14179334789514542},{"text":"Down there, I was looking at apartments in, like, some of the suburbs that I'd look to live in and, yeah, like, a two bed for, like, $4.50, 500 down there.","start":1937.9,"end":1946.72,"sentiment":"neutral","sentiment_score":-0.007545104130141197}],"sentiment":"neutral","sentiment_score":0.0076547548973134585,"num_words":70,"start":1922.495,"end":1946.72},{"sentences":[{"text":"Whereas up here, it's 600 and you need another $100 to throw it, fixing it up.","start":1946.9401,"end":1952.015,"sentiment":"neutral","sentiment_score":-0.11434750724583864},{"text":"Crazy.","start":1952.875,"end":1953.375,"sentiment":"neutral","sentiment_score":-0.06051623076200485},{"text":"Yeah.","start":1960.7151,"end":1961.1,"sentiment":"neutral","sentiment_score":0.12192954123020172},{"text":"Yep.","start":1971.1799,"end":1971.6799,"sentiment":"positive","sentiment_score":0.3718734681606293},{"text":"Yep.","start":1982.085,"end":1982.585,"sentiment":"neutral","sentiment_score":0.18809136748313904}],"sentiment":"neutral","sentiment_score":-0.060409098491072656,"num_words":20,"start":1946.9401,"end":1982.585},{"sentences":[{"text":"Cool.","start":2008.765,"end":2009.265,"sentiment":"positive","sentiment_score":0.7487260699272156},{"text":"Thank you.","start":2009.485,"end":2010.305,"sentiment":"positive","sentiment_score":0.7918977737426758},{"text":"Yep.","start":2014.525,"end":2014.89,"sentiment":"positive","sentiment_score":0.4035915732383728},{"text":"Yep.","start":2025.61,"end":2026.11,"sentiment":"neutral","sentiment_score":0.18571993708610535},{"text":"No worries.","start":2026.33,"end":2026.965,"sentiment":"positive","sentiment_score":0.3339754194021225}],"sentiment":"positive","sentiment_score":0.51282628093447,"num_words":7,"start":2008.765,"end":2026.965},{"sentences":[{"text":"Thanks.","start":2027.2849,"end":2027.7849,"sentiment":"positive","sentiment_score":0.6822303533554077},{"text":"Yes.","start":2032.485,"end":2032.885,"sentiment":"positive","sentiment_score":0.45622265338897705},{"text":"You too.","start":2032.885,"end":2033.625,"sentiment":"positive","sentiment_score":0.47346679866313934},{"text":"Alright.","start":2036.8049,"end":2037.3049,"sentiment":"positive","sentiment_score":0.36886972188949585},{"text":"Bye.","start":2038.005,"end":2038.505,"sentiment":"neutral","sentiment_score":0.29740846157073975}],"sentiment":"positive","sentiment_score":0.4586107979218165,"num_words":6,"start":2027.2849,"end":2038.505}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Terry. It's Dana from Mokie Financial. Can you hear me okay?\n\nChannel 1: Yeah. How are you doing?\n\nChannel 0: I'm very well. Thank you. How's your afternoon been?\n\nChannel 1: Oh, yeah. You know? Work.\n\nChannel 0: Yeah. No. Understandable. I do apologize about the confusion with the appointment there. I know you do normally like to come into the office and run through things.\n\nChannel 1: Oh, no. No. That's all good. I I'm not really sure what happened with the phone there. It's\n\nChannel 0: Yeah. That's\n\nChannel 1: yeah. Called through, and it was making some it was like I dialed the fax machine or something.\n\nChannel 0: okay. Oh, that's really unusual, isn't it?\n\nChannel 1: Yeah. But anyway\n\nChannel 0: Yeah. Yeah. No. Look. We we got connected now.\n\nThat's the main thing.\n\nChannel 1: yeah.\n\nChannel 0: All good. Just confirming, are you driving or are you able to look at your emails at the moment? Or\n\nChannel 1: I am presently driving for about the next\n\nChannel 0: yep.\n\nChannel 1: two minutes. I'm just on my way home.\n\nChannel 0: That's okay. That's not a problem at all. If you like, what I can do is I can run through things, give you a bit of an update on where everything's up to. We can sort of have a bit of a general chat about where things are going, what your goals are, and then we can kind of I'll send you the documents as well so that you can always run through and have a bit of a look at them after the call as well if you like.\n\nChannel 1: Yep. Easy.\n\nChannel 0: Yep. Fantastic. Now before I jump in the call and run through things with you, I do have to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Beautiful. And just to do security there with you as well, we're discussing your personal information. So I'll just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Terry James Gray. August 23\n\nChannel 0: Yep.\n\nChannel 1: '96. '8\n\nChannel 0: Mhmm.\n\nChannel 1: Arona Avenue, South Park.\n\nChannel 0: Beautiful. Lovely. Thank you so much for that. Now as part of the annual review docs that I'll send through to you, I'll press send on those now if they do come through to your email for you to review afterwards. I know\n\nChannel 1: Yep.\n\nChannel 0: you spoke to Michelle about updating your address. So she's been able to update that on the hub 24 platform for your super. It's just with the MyNorth platform. We just need to get a form signed to complete that. So we've attached that\n\nChannel 1: Yeah.\n\nChannel 0: to your annual review documents there as well.\n\nChannel 1: Yep.\n\nChannel 0: It\n\nChannel 1: I\n\nChannel 0: does\n\nChannel 1: think\n\nChannel 0: also\n\nChannel 1: that\n\nChannel 0: have\n\nChannel 1: just came\n\nChannel 0: attached\n\nChannel 1: through.\n\nChannel 0: beautiful. It does also have attached to the ongoing service agreements. If you're happy to continue board onboard for the next twelve months there, that is attached. It's only attached to the hub twenty four super account because the one for your investment doesn't actually expire until the November, so we'll make sure we update that down the track for you. And then we\n\nChannel 1: Cool.\n\nChannel 0: also just got some compliance documents attached there for you to review some some portfolio reports that I'll run through for you. It's also got our financial services guide, the index chart that we went through last year. I'm just showing you how the market ups and downs can affect over time and just a\n\nChannel 1: Yep.\n\nChannel 0: couple of additional reports in there for you to kind of have a really good look through.\n\nChannel 1: Cool.\n\nChannel 0: Okay? All good. So how's everything been otherwise? I know you've got a pay increase, which is fantastic. Congratulations.\n\nChannel 1: Yeah. Thanks.\n\nChannel 0: Excellent. And it does mean, obviously, your contributions have increased there as well, which is great to see. Having a look, now you've you're getting that additional contributions into the extra 5% on top of your wage. Just wanted\n\nChannel 1: Yes.\n\nChannel 0: to double check there because it Hub twenty four doesn't doesn't kind of note everything individually, but it looks like you're not salary sacrificing the additional. Are you wanting to sort of take on that and start salary sacrificing into soup, or are you happy just to not for the moment?\n\nChannel 1: For the moment, I might hold off because\n\nChannel 0: Hold\n\nChannel 1: I,\n\nChannel 0: off. That's\n\nChannel 1: like, I use\n\nChannel 0: fine.\n\nChannel 1: it for my my, like, car payment, car insurance, things\n\nChannel 0: Yeah.\n\nChannel 1: like that.\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: And\n\nChannel 0: okay.\n\nChannel 1: I've got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well.\n\nChannel 0: Yeah. No. That's fantastic. That's not a problem at all. I'll just make a note of it in the back end.\n\nAnd if you decide you wanna reassess, reassess or look at that again down the track, let me know. I'm more than happy to. Okay?\n\nChannel 1: Cool. No worries.\n\nChannel 0: Fantastic. All good. Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there. You've probably also\n\nChannel 1: Yep.\n\nChannel 0: had a bit of a understanding of what's been going on in the news. The markets have been very up and down this year. We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news.\n\nChannel 1: Oh, yeah. Yeah. It's a whole mess.\n\nChannel 0: It is at the moment, isn't it? Well, it does sort of mean that with a lot of that going on, there has been a lot of unstability, sorry, in the markets there. So investors have been a little bit wary of what's been going on, and it does mean the markets have been going up and down. We've had a lot of volatility to sort of withstand. Your balance in your hub 20 super as of the May 11, which is when we completed this document here, It does show 52,237 and 45¢ there.\n\nI'm just quickly logging in to give you an updated balance. So as of today's date, we're at 52,302 as well. So it is good. You are definitely up from where you were when you came on board. It's up from\n\nChannel 1: Yep.\n\nChannel 0: a couple of days ago as well. So the markets are showing a bit of recovery there. However, with the volatility, it has meant the markets have had some great performance, but we've also seen some really hefty downtimes in the last year as last few months as well. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: your\n\nChannel 1: It's been all over the place.\n\nChannel 0: absolutely. Yeah. So with your super, it is showing over the last twelve months, you do have a positive. It is a positive return of 3.06%. It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return.\n\nA lot of the other\n\nChannel 1: Yeah.\n\nChannel 0: funds in the areas and industry funds have definitely been reporting negative returns over the past few months. So to go through that and still come out with a positive return, we are happy to see. But I never sugarcoat it, and I will let you know it is lower than where we would like it to be for the first year. So it's understandable. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Excellent. It does say when I sort of have a look at all the investments within the super, everything is performing really well. Some of your best performers over the past twelve months have essentially been the Bank Hybrid, the defensive investments. Your physical gold is up very heavily, doing very, very well. The a 200 has been doing nicely to giving you exposure to the top 200 companies on the ASX.\n\nAnd even given\n\nChannel 1: Yes.\n\nChannel 0: what's happening between The US there, overall, the S and P five hundred's seen a positive result as well. So it is really good to see that you've come out with a positive for the first year even though it has been a bit lower due to your market expectations. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Nothing in there sort of flags to me to kind of move at the moment. What I do wanna kinda do, if you're comfortable with, I'll keep watching it over the next couple of months. We might even do a bit of a three monthly catch up for you in the next few months and see where we've sort of tracked from from today up to the next three months and just sort of see how your portfolio is tracking and whether we maybe make any changes to those investments. Does that sound okay to yourself, or did you have any questions? Or\n\nChannel 1: Yeah. No. That that largely sounds fine.\n\nChannel 0: Yep.\n\nChannel 1: I obviously, like, I tracked the budget last night as it was sort of coming out and bits and\n\nChannel 0: Yeah.\n\nChannel 1: pieces. I'm just wondering if I\n\nChannel 0: Yes.\n\nChannel 1: if I've got anything that's sort of tied to the fence.\n\nChannel 0: To defend in the investments there?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So you are in, like, the S and P 500 and the a 200 there, and you do have a bit of cybersecurity. So you would definitely be invested in defense areas. Is that somewhere that you would not like to be invested? Or\n\nChannel 1: Oh, no. I was just curious because I know that the well, it was sort of flagged. We knew that they were gonna be throwing a bit of money at it in the budget, and then I think it came in a little bit over what even expectations were.\n\nChannel 0: yeah. Yeah. Absolutely. Absolutely. And you do have cybersecurity, and cybersecurity has taken a little bit more of a hit this in the last few months, generally, since about December.\n\nSo cybersecurity also factors in ways and areas of defense indirectly as well. So\n\nChannel 1: Yeah.\n\nChannel 0: And I'll definitely just keep watching it. I do sort of look at all the investments and look at what they're doing and jump in and look at everyone's portfolios here and there to sort of see what's going on in in preparation for these sorts of things. So if there is anything that we maybe need to flag, we'll definitely look at doing that for you. But, look, if there's an area of interest for you as well, please let me know. I'm more than happy to investigate it for you and see what adding to your portfolio can do.\n\nYeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah. To some degree, I just yeah. It was just one of the things that was on the back of my mind.\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So that's essentially your super. As I mentioned, you've got some port you've some portfolio reports now showing so that the different so the different time horizons that I've looked at is showing you where the portfolio is, but it's good that you are showing a positive result for the first year. We'll keep monitoring things. We'll keep doing catch ups with you to see where we're tracking.\n\nAnd with your contribution still going in, even through the downtime, you're still taking advantage and buying in and buying low. So it's really good to see that everything's still tracking, and we'll just make sure we keep tracking it and see where you are in the next three months and see if anything needs to be updated for your super. Okay?\n\nChannel 1: Great. Thanks.\n\nChannel 0: Excellent. No worries. Now the other thing, having a look here at your investment. So that has only just sort of come into play as of about November. For the first six months, essentially, you are down a little bit again because of what's happening with the markets in general.\n\nWhen I look\n\nChannel 1: Yeah.\n\nChannel 0: at the the six monthly return, net is is that it's down about 1.93%. But then when we kinda break it down and look at the last sort of, you know, three months as a whole, after sort of the March, which is when we saw the biggest and the the largest kind of volatility, the biggest downtimes. Your portfolio has come back showing it's a positive of 0.69%. So it does show that whilst you are down overall since November with your investment, you are showing it is coming back, and it it has had a bit of a recovery point there. So we just need to let it kinda go through that, keep that dollar\n\nChannel 1: Yes.\n\nChannel 0: cost averaging going. And, again, same with your investment. We'll just revisit that the next three months, have a look at what's happening. I'll keep watching everything. And if maybe there's some flags that we need to maybe make some alterations to it, we'll definitely do that for you.\n\nBut the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole. So it it's working really well. It's just been following the market trends. So nothing in there is being flagged as, you know, being down because of anything serious, which is good. Okay.\n\nChannel 1: Yep.\n\nChannel 0: All good.\n\nChannel 1: Cool.\n\nChannel 0: Did you have any questions about that at all? I never wanna sugarcoat anything. I wanna sorta make sure I'm honest with you when the markets aren't performing as well as they should be, But just making sure that you're you're able to ask questions or if you have any concerns, you're welcome to let me know there as well. Okay?\n\nChannel 1: Yeah. Just one question I had was\n\nChannel 0: Sure.\n\nChannel 1: in regard to\n\nChannel 0: Yep.\n\nChannel 1: fees. So I and I might be misremembering or I might be misremembering specifics, but\n\nChannel 0: Yeah. You're fine.\n\nChannel 1: I I think from memory, what what we had discussed was that fees would kick in once the balance reached $10.\n\nChannel 0: So let me just pull up the advice document for you to reconfirm. Because I can see that there is an ongoing service fee on the account there, but it is expected to be about $49 for the year. But let me so just go back to jog my memory as well. Wanna make sure because if there is anything, I will go back and make it reflect. Where are we?\n\nThat's the superannuation one. The ongoing service fee here for this one. Yeah. It does. Sorry about that.\n\nYes. So I can see they have put the ongoing service fee on the account there, and it was meant to be held off until the balance reached that $10,000 mark. So what I will do is I will go back and make sure that's removed there for you, and I will organize to have the the difference there refunded for you. It's only a very small amount, but I'll make sure that that is applied for you. Okay?\n\nChannel 1: No worries. Thanks. I just\n\nChannel 0: Sorry about that.\n\nChannel 1: yeah.\n\nChannel 0: No. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: No.\n\nChannel 0: I do\n\nChannel 1: That's\n\nChannel 0: apologize\n\nChannel 1: fine.\n\nChannel 0: for that.\n\nChannel 1: I yeah. I was like, I talked it a little while ago and I went, oh, I can't remember if that was, like, something that had changed or yeah. That's\n\nChannel 0: No.\n\nChannel 1: all good.\n\nChannel 0: No. That's\n\nChannel 1: No drama.\n\nChannel 0: okay. That's not a problem. I'll I'll have that rectified for you. It's not an issue. I do apologize about that, Terry.\n\nChannel 1: All good.\n\nChannel 0: Easy. I'll make sure it's all sorted for you. Thank you for flagging that with me. I do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified. Okay.\n\nChannel 1: No stress.\n\nChannel 0: Excellent.\n\nChannel 1: Thanks.\n\nChannel 0: Easy. That's okay. No. Not a problem at all. Easy done.\n\nThe other thing to sorta have a a bit of a night talk about is your insurances. So we did obviously transfer your life and TPD over to hub twenty four from\n\nChannel 1: Yes.\n\nChannel 0: the Hostplus account there. With the Hub twenty four insurance, they do increase slightly with indexation there as well. So it does actually\n\nChannel 1: Yes.\n\nChannel 0: show that as it's gone through renewal for the first year, the amount of your life and TBD held within the hub twenty four account is has gone back or increased to 231,612 and 42¢. With the life and TBD component, you're only paying about a $150 for the year for those. They're very minor with regard to that. Are you did you wanna review the life and TPD amounts? So do you feel they're fine for the moment or\n\nChannel 1: No. I'm I'm fine with that. That's,\n\nChannel 0: fine\n\nChannel 1: yeah,\n\nChannel 0: with\n\nChannel 1: plenty more\n\nChannel 0: that?\n\nChannel 1: than\n\nChannel 0: Not\n\nChannel 1: would\n\nChannel 0: a\n\nChannel 1: be needed. So that's fine.\n\nChannel 0: Yeah. That's okay. Not a problem at all. The other thing to sort of go through is just sort of looking at your goals. So we were sort of tracking towards looking at retirement.\n\nYou were sort of hoping you're round about the age of 60 mark. Are we still the tracking board towards that? I know you've got a long time to go before that we get to that age.\n\nChannel 1: Yeah. Yeah. I'm just about to correct the halfway point. So\n\nChannel 0: Yeah. You have a long time to go. All\n\nChannel 1: yeah.\n\nChannel 0: good.\n\nChannel 1: I mean, look, you know, ideally, I'll be able to retire sooner. But, yeah, that's probably realistic, I think.\n\nChannel 0: Yeah. That's okay. Well, we'll keep tracking with that investment. I know part of having the investment portfolio was to be able to, you know, look towards purchasing a home and use some of the funds towards that possibly in the future.\n\nChannel 1: Yes.\n\nChannel 0: But, you know, if you wanted to kinda keep building it long term, we could definitely look at, you know, trying to build it up and increase the contributions down the track to kinda give you some sort of access early if you would like to look at doing that down the track.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Absolutely.\n\nChannel 0: Beautiful. Other than that, I did have that you you were traveling last year, and you made mention you've got some travel plans this year as well.\n\nChannel 1: Yeah. Not not anything sort of major. Like,\n\nChannel 0: Yeah.\n\nChannel 1: I live up here, but all my family and friends and stuff are down in Victoria. So I've got a it's a year of thirtieth. So I've gotta fly back a bunch of times to Melbourne.\n\nChannel 0: On. Yep.\n\nChannel 1: This, that, and the other. My friends\n\nChannel 0: Yep.\n\nChannel 1: go baby shower next month, and the thirtieth\n\nChannel 0: Wow.\n\nChannel 1: the next month, and then my thirtieth the next month. And, you know,\n\nChannel 0: You've got a\n\nChannel 1: It's\n\nChannel 0: lot\n\nChannel 1: just one\n\nChannel 0: going\n\nChannel 1: of those\n\nChannel 0: on.\n\nChannel 1: things. Yeah. With\n\nChannel 0: Yeah.\n\nChannel 1: all the time that I don't have.\n\nChannel 0: Absolutely. Absolutely. No. Awkward. And we sorta had a goal there looking to try and purchase a home in the next sort of two to five years.\n\nIs that still sort\n\nChannel 1: Yep.\n\nChannel 0: of the goal on when you'd like to purchase\n\nChannel 1: Yeah. I mean, ideally, probably shorter time if I can, but\n\nChannel 0: a\n\nChannel 1: the markets here are an absolute nightmare.\n\nChannel 0: home?\n\nChannel 1: And,\n\nChannel 0: Yep.\n\nChannel 1: I mean, the changes that they've put in last night are something, but I don't think\n\nChannel 0: Yeah.\n\nChannel 1: they're gonna really do much for me.\n\nChannel 0: No. Well, the other thing is and kinda one of the things I sort of pointed out to my husband last night was we were watching the budget board, and I was like, look. At the end of the day, they also have to get this through. So this they've sort of put out the the bill on what they want to occur, but then it does have to pass\n\nChannel 1: Yeah.\n\nChannel 0: parliament and go through the segments as well. So we'll see what does and or doesn't pass. I know thinking about\n\nChannel 1: Yeah.\n\nChannel 0: some of those changes, it would affect them as well. So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go. But then, also, we have a whole another budget coming next year as well. So anything\n\nChannel 1: Yeah.\n\nChannel 0: could change in that time frame. Yeah.\n\nChannel 1: Exactly. But yeah. So I'm I'm sorta trending towards trying to get my deposit together.\n\nChannel 0: Yep.\n\nChannel 1: I'm doing pretty well. Like, I moved I moved out a couple of months back, and the rent\n\nChannel 0: Yep.\n\nChannel 1: is, like, almost exactly half,\n\nChannel 0: Yep.\n\nChannel 1: which is great. So it's allowing me to put a bit more away,\n\nChannel 0: Yep.\n\nChannel 1: which I've just got sort of I'm just basically feeding what excess I can into, like, a increased interest savings.\n\nChannel 0: Beautiful. Beautiful. And how much do\n\nChannel 1: That's\n\nChannel 0: you have in there at the moment?\n\nChannel 1: there's $8 sitting in there,\n\nChannel 0: Okay. Perfect.\n\nChannel 1: and that's earning it, I think it's 4% per annum.\n\nChannel 0: Okay. Yep.\n\nChannel 1: I'd be interested if you have any sort of knowledge of anything that I can sort of do that's, like, relatively high stability, but, like, anything higher on on interest return.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So,\n\nChannel 0: Absolutely.\n\nChannel 1: like,\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: don't\n\nChannel 0: have\n\nChannel 1: know.\n\nChannel 0: a bit of a look around. Yeah.\n\nChannel 1: I haven't looked much into, like, you know I I just don't really have the time or the things of late\n\nChannel 0: No.\n\nChannel 1: to\n\nChannel 0: That that's\n\nChannel 1: look much\n\nChannel 0: okay.\n\nChannel 1: into\n\nChannel 0: I\n\nChannel 1: it, but I was looking\n\nChannel 0: that's\n\nChannel 1: at, like,\n\nChannel 0: okay.\n\nChannel 1: you know, term deposits or things like that to make it grow\n\nChannel 0: Yep.\n\nChannel 1: a bit quicker. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it's a it's a good base to start with now between that. What I've got set aside in that concessional part of my super, I think is up around 15 now that I can draw on for that home buyer scheme or whatever it is that they've got.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then,\n\nChannel 0: Perfect.\n\nChannel 1: I mean, that's got me sort of somewhere toward the early twenties. And then with another, you know, six months to a year behind me, I should have a a decent deposit put together, hopefully.\n\nChannel 0: Yep. No. Beautiful. That's all good. So working really well.\n\nSo if you like, I can have a bit of a look around at high interest cash accounts versus 10 deposits and kind of do up a little bit of a strategy paper. Just take some time to kinda put it together for you. But I can give\n\nChannel 1: Yeah.\n\nChannel 0: you a couple\n\nChannel 1: Yep.\n\nChannel 0: of options to kind of mull over and investigate to see if any of that picks your interest and helps you with your savings a little bit.\n\nChannel 1: Yeah. Yeah. That'd be great.\n\nChannel 0: Yep. Fantastic.\n\nChannel 1: Just trying to find ways to, you know, maximize and, you know, at at base minimum, just try and be cash rate. But, like, if I can sort of start to actually get it to compound a little, it'd be good.\n\nChannel 0: Yeah. It is very hard at the moment. It's been a little bit volatile in the markets, but then also with what we've had going on here, higher interest rates and the cat and, you know, money kind of isn't hitting the point we wanted to at the moment. But, yeah, hopefully, all\n\nChannel 1: No.\n\nChannel 0: of this sort of hopefully, it all kind of, you know, moves over a little bit sooner than we hope. I mean, sentiment in the market is still quite good. I know with speaking to some of the economists that we've had access to, they are still expecting inflation keep increasing. I know last night, they kinda mentioned 5%. Economists have kind of also been saying roughly around about that.\n\nWe would hope inflation doesn't keep going that way because it kinda does devalue money a little bit faster, but also increases interest rates and makes it much harder for people to pay their mortgages and to borrow for serviceability. But I\n\nChannel 1: Yeah.\n\nChannel 0: think we just sort of wait and see what kinda happens towards the middle of the year and then towards the end of the year, and hopefully, things sort of start to settle down a little bit. So I know they've kinda forecast that, you know, inflation will kinda pull back a little bit and hit around that 2.5% around mid next year, but I'd like it to like to see it happen a little bit faster. We're sort of hoping that the budget might, you know, to help with that, but I don't think it is going to if they're still forecasting\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: It's\n\nChannel 0: five\n\nChannel 1: not\n\nChannel 0: percent\n\nChannel 1: looking\n\nChannel 0: return.\n\nChannel 1: that way.\n\nChannel 0: The budget hasn't\n\nChannel 1: Yeah.\n\nChannel 0: done much at all.\n\nChannel 1: Yeah. I\n\nChannel 0: Oh,\n\nChannel 1: mean, all\n\nChannel 0: no.\n\nChannel 1: this stuff with negative gearing and all the rest, it's kinda like, well, it'll you know, it'll help a little bit, but at the same\n\nChannel 0: Yeah.\n\nChannel 1: time, there's all these exemptions that are just gonna, you know, like,\n\nChannel 0: Yes.\n\nChannel 1: not make\n\nChannel 0: Yep.\n\nChannel 1: that available to people coming in, but the people that are already in just sorta get to stay in. It's\n\nChannel 0: Absolutely. It is yeah. It it does. It makes it\n\nChannel 1: a\n\nChannel 0: very much harder. And if if we if the property market keeps going the way it has\n\nChannel 1: little\n\nChannel 0: been, it's just gonna price everybody out of the market. No one's gonna be able to buy\n\nChannel 1: weird.\n\nChannel 0: unless you've got, you know, a really good proper deposit there, which means anyone, you know, 20 and under, as they kind of get closer to wanting to buy, it's just gonna be too hard. They're not gonna be able to save\n\nChannel 1: Yeah.\n\nChannel 0: the minimum deposit. They're not gonna be out of for the repayments, and it's just gonna be too hard to to to buy in. So I hope it doesn't get that bad, especially as I've got a 19 to 20 year old daughter, and they're sort of wanting to save for their first time, but they're so scared. They don't know how. They're, you know, trying to save as much as possible with every year that goes by.\n\nYou know, they need a bit more money put aside, so it's it's not a it's a very difficult area for them to be in.\n\nChannel 1: Yeah. Yeah. It's\n\nChannel 0: Yeah.\n\nChannel 1: grim out there.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. All good. I can see here Michelle updated your renting. So you're paying about $3.60 at the moment including bills. Is that right?\n\nChannel 1: No. So that's where I was at. 3\n\nChannel 0: Right.\n\nChannel 1: 60 a week with bills.\n\nChannel 0: Yep.\n\nChannel 1: I'm now down at $1.90 excluding.\n\nChannel 0: Okay. Perfect. Excellent.\n\nChannel 1: So, yeah, I'm now paying in rent a fortnight what I used to pay a week.\n\nChannel 0: Okay. Beautiful. That's really good to see.\n\nChannel 1: So\n\nChannel 0: Excellent.\n\nChannel 1: I set bills on top of that, which\n\nChannel 0: Yep.\n\nChannel 1: I was which were included before. So I haven't had a round of bills yet since moving in, but I imagine it won't be too bad\n\nChannel 0: Yep.\n\nChannel 1: because\n\nChannel 0: No.\n\nChannel 1: there's\n\nChannel 0: No. Definitely\n\nChannel 1: so\n\nChannel 0: not.\n\nChannel 1: many people that live here.\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: Three,\n\nChannel 0: And with your\n\nChannel 1: four, five, six of us.\n\nChannel 0: wow.\n\nChannel 1: So bills could that's why the rent's so cheap, but, like, two\n\nChannel 0: Yep.\n\nChannel 1: people live in, like, a, like, a separate tiny home in the backyard.\n\nChannel 0: Yeah.\n\nChannel 1: And so, like, we never see them. The person lives downstairs, I see, like, once a week. Like, it's\n\nChannel 0: Wow.\n\nChannel 1: it's really, like, I have two housemates, and yet we pay rent as if there's six. So\n\nChannel 0: Yeah.\n\nChannel 1: it's kinda nice.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: And I'm sure\n\nChannel 0: And\n\nChannel 1: the I'm sure the bills will probably reflect that too.\n\nChannel 0: absolutely. And the note here says that you've been sort of working a lot more in Brisbane recently. So how's, like, fuel and driving and getting yourself to Brisbane?\n\nChannel 1: I've been trying to cut it back.\n\nChannel 0: Yep.\n\nChannel 1: And, I mean, yeah, I've been been doing work in Brisbane. Most of my friends as well, like, my friendship base is in Brisbane mostly.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But I, like, when I when I go for work, I usually get to take a work car, which is\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And I just did I've done two stints in the last year now up in Manalaza in, like, the the Northern Gulf doing work stuff. So I did two separate two weeks since where they threw me up there. And while I'm up there, I'm acting in the next level, so a higher role,\n\nChannel 0: Yep. Yep.\n\nChannel 1: which is why the estimates for my income have gone up because I'm doing more overtime. I'm doing acting positions in higher roles that come at a higher pay base and things like\n\nChannel 0: Yep.\n\nChannel 1: that. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. And then and I went up a a scale. So I went from 3.1 to 3.2 or whatever it is. So I think that's,\n\nChannel 0: Yeah.\n\nChannel 1: like, an extra dollar and something or dollar and a bit an hour,\n\nChannel 0: Yep.\n\nChannel 1: which,\n\nChannel 0: Yep.\n\nChannel 1: you know, is something.\n\nChannel 0: Absolutely. Yeah. No. Definitely. I will certainly see how things go and hopefully, yeah, a little bit less traveling.\n\nI mean, it's nice that fuel prices have gone down for us for a little bit, but once that fuel excise cuts back in, a few fuel prices are properly\n\nChannel 1: Yeah.\n\nChannel 0: gonna look up for us all again.\n\nChannel 1: Oh, no. It happened super quick.\n\nChannel 0: It does. It does. The months fly by. It's\n\nChannel 1: Yeah.\n\nChannel 0: already almost\n\nChannel 1: I\n\nChannel 0: halfway through the year. It's insane.\n\nChannel 1: don't know. I I said this a little while ago, and, like, for the life of me, it's it's not changed. I I got to March, and I was like, I I literally can't remember February. Like, I there's not a single thing that happened in February that I can actually go, oh, yeah. That happened in February.\n\nThe month just\n\nChannel 0: Yep.\n\nChannel 1: came and went, and I I don't even know where. Like, it just\n\nChannel 0: Yep.\n\nChannel 1: I just worked for four straight weeks and and didn't didn't even yeah. I don't know. I I did a bunch of, like I was like I think there was a patch earlier in the year where I did, like, six straight weekends where I did overtime, and\n\nChannel 0: Yep.\n\nChannel 1: it's just all a blur.\n\nChannel 0: Yeah. Oh,\n\nChannel 1: It's gone. I don't know what happened\n\nChannel 0: it is.\n\nChannel 1: to February. He disappeared.\n\nChannel 0: I know. The whole\n\nChannel 1: It\n\nChannel 0: year\n\nChannel 1: was\n\nChannel 0: is just\n\nChannel 1: January,\n\nChannel 0: flying\n\nChannel 1: and I thought\n\nChannel 0: by.\n\nChannel 1: it was March.\n\nChannel 0: They tell me as we get older and older, it gets faster and faster, and I honestly feel like that's what's\n\nChannel 1: Yeah. Yeah. Maybe it's maybe that's the thing. You\n\nChannel 0: happening.\n\nChannel 1: know?\n\nChannel 0: Yeah.\n\nChannel 1: I'm, you know, another year older, like, this is what the 30 plus deal like.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, wait.\n\nChannel 0: No.\n\nChannel 1: How good.\n\nChannel 0: That's it. That's it. That's it. No. All good.\n\nAll good. Other than that, the only sort of things to double check is I've got your car. You had a value of that last year of about 20,000. Would you still keep the value the same, or do you think you might decrease that a little bit?\n\nChannel 1: Yeah. It might be maybe 18 now.\n\nChannel 0: Yep.\n\nChannel 1: And I think they're not only gonna I can just check on\n\nChannel 0: Yeah. You're right.\n\nChannel 1: phone with you now, actually.\n\nChannel 0: You see. No. That's\n\nChannel 1: Sorry. It's just loading.\n\nChannel 0: okay.\n\nChannel 1: I think last time I checked, it was around about 13 to go. But\n\nChannel 0: Yep.\n\nChannel 1: I don't know if that's just the amount owing or if that's full payout quote, but there's no balloon at the end of it or anything like that. Oh, there we go. There is for me to do a full payout, there is 12 and a half grand to go.\n\nChannel 0: Okay. Beautiful. Beautiful. You'll have that paid off in no time.\n\nChannel 1: Yeah. So, yeah, just, what, 500 a month. So that's\n\nChannel 0: Yep.\n\nChannel 1: around about two years ago, which just about tracks because I got this in\n\nChannel 0: Abs\n\nChannel 1: May,\n\nChannel 0: yep.\n\nChannel 1: apparently, three years ago. Somehow,\n\nChannel 0: Yeah. Wow. And it's\n\nChannel 1: not\n\nChannel 0: gone\n\nChannel 1: much\n\nChannel 0: fast.\n\nChannel 1: time has passed.\n\nChannel 0: Absolutely. No.\n\nChannel 1: Yeah.\n\nChannel 0: All\n\nChannel 1: So,\n\nChannel 0: good. All\n\nChannel 1: yeah,\n\nChannel 0: good.\n\nChannel 1: two years ago on that.\n\nChannel 0: Yep.\n\nChannel 1: I think if I get to a point where I feel like I'm happy with where the positive's at and I start looking a bit more seriously at buying,\n\nChannel 0: Yep.\n\nChannel 1: which I'm hoping will probably be within the next year\n\nChannel 0: Yes.\n\nChannel 1: depending on how things move.\n\nChannel 0: Yep.\n\nChannel 1: Because between yeah. Like I said, between professional contributions to Super, the savings that I now have sitting there waiting for me, and also what I've got in this investment account if I need to access that to boost it. I'm already sitting at, I think, around about 25.\n\nChannel 0: Okay. That's pretty good. Yeah.\n\nChannel 1: So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early.\n\nChannel 0: Yeah. Yeah. Absolutely. No. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, it's working working well. Fantastic. And I can see with those contributions, your employer was paying those voluntary, so claiming your notice of intent, but they've changed it. So they're going in and taxes being they're going in sort of as more of a salary sacrifice kinda contribution now. So there's no need to claim that notice of intent.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: No. I had a I had a look at the way just after we sort of set everything up, I looked at the contributions and went, wow. They're actually they're concessional now. So they used to be non concessional, and we still have to claim that notice of intent. But they've\n\nChannel 1: Yep.\n\nChannel 0: changed them,\n\nChannel 1: Great.\n\nChannel 0: so they're all going through concessionally now. So it still works your favorite, still concessional. It's just that we don't\n\nChannel 1: Gotcha.\n\nChannel 0: have to claim that one extra step. Yeah.\n\nChannel 1: Excellent. So it's just choking up towards, yeah, being able to access it. Because I think the cap on it's, like, 50 or something like that. So I've got ages enjoying getting close to that.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And then you get to find what you're after, go house hunting and look around.\n\nChannel 1: Yeah. I mean, shit. The way it is in a gold quest. I'll take what I can get at this stage. It's\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It's marking. It's awful.\n\nChannel 0: Yes.\n\nChannel 1: A bunch\n\nChannel 0: Yep.\n\nChannel 1: of my colleagues are with me as well, and they're just getting\n\nChannel 0: Yeah.\n\nChannel 1: nowhere. But\n\nChannel 0: Yeah.\n\nChannel 1: I also might end up moving back to Melbourne. I'm not sure. So\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: it's all very up in the end. And\n\nChannel 0: Yeah.\n\nChannel 1: if I go\n\nChannel 0: No.\n\nChannel 1: back to Melbourne I think I think in Melbourne, I could probably buy it and buy now. But, yeah, up here, it's like no. Down there, I was looking at apartments in, like, some of the suburbs that I'd look to live in and, yeah, like, a two bed for, like, $4.50, 500 down there. Whereas up\n\nChannel 0: Mhmm.\n\nChannel 1: here, it's 600 and you need another $100 to throw it, fixing it up. Crazy.\n\nChannel 0: Yeah. Wow. Wow. No. No.\n\nAll good. All good. Well, that's\n\nChannel 1: Yeah.\n\nChannel 0: basically everything I need to run through. I can see your beneficiaries are all up to date. We got legal personal representatives that all goes to your will, which is what we discussed last year, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: There's no real changes to your goals, which is good. I have already messaged off to a head of advice to have that ID the investment account fixed up for you, and I've sent\n\nChannel 1: Yep.\n\nChannel 0: the annual review docs through. So feel free to have a look at them. If you're happy to stay on board, I'll get you to sign and return those back for me. That's the ongoing service agreement and the change of address form for the MyNorth, and we'll have that sent off and updated for you. And we'll do a catch up in about three months and see where the markets are going and see what's happening in that time.\n\nAnd I'll do a little bit of research for you just on some term deposits and high interest accounts to sort of give you an idea of what else is out there. Okay?\n\nChannel 1: Cool. Thank you.\n\nChannel 0: And you see, that's okay. If there's anything else you need, please let me know, Terry. Happy to make\n\nChannel 1: Yep.\n\nChannel 0: time. And I've made a little note on here as well that just when we call next time, just to check whether you wanna kinda come into the office or whether you prefer the phone to see you can kinda decide what suits you. Okay?\n\nChannel 1: Yep. No worries. Thanks.\n\nChannel 0: Fantastic. That's okay. I hope you have a good relaxing afternoon.\n\nChannel 1: Yes. You too.\n\nChannel 0: Thanks, Darrie. I'll talk to you soon. Thanks for your time.\n\nChannel 1: Alright. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.033109474927186966}],"sentiment":"neutral","sentiment_score":0.033109474927186966,"channel":1,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Hi, Terry.","start":3.4399998,"end":4.0,"sentiment":"neutral","sentiment_score":0.09415432810783386},{"text":"It's Dana from Mokie Financial.","start":4.0,"end":5.54,"sentiment":"neutral","sentiment_score":0.13768144994974135},{"text":"Can you hear me okay?","start":5.68,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.09097130447626114}],"sentiment":"neutral","sentiment_score":0.11096436902880669,"channel":0,"num_words":12,"start":3.4399998,"end":6.8199997},{"sentences":[{"text":"Yeah.","start":7.6,"end":8.0,"sentiment":"neutral","sentiment_score":0.17226487398147583},{"text":"How are you doing?","start":8.0,"end":8.9,"sentiment":"neutral","sentiment_score":0.25861142575740814}],"sentiment":"neutral","sentiment_score":0.24134211540222167,"channel":1,"num_words":5,"start":7.6,"end":8.9},{"sentences":[{"text":"I'm very well.","start":9.28,"end":10.32,"sentiment":"positive","sentiment_score":0.6115444501241049},{"text":"Thank you.","start":10.32,"end":10.8,"sentiment":"positive","sentiment_score":0.6627317070960999},{"text":"How's your afternoon been?","start":10.8,"end":12.5,"sentiment":"neutral","sentiment_score":0.21519246697425842}],"sentiment":"positive","sentiment_score":0.4467629591623942,"channel":0,"num_words":9,"start":9.28,"end":12.5},{"sentences":[{"text":"Oh, yeah.","start":12.885,"end":13.705,"sentiment":"neutral","sentiment_score":0.05830210819840431},{"text":"You know?","start":14.245,"end":14.985001,"sentiment":"neutral","sentiment_score":0.04229976236820221},{"text":"Work.","start":16.805,"end":17.305,"sentiment":"neutral","sentiment_score":0.060972586274147034}],"sentiment":"neutral","sentiment_score":0.05243526548147202,"channel":1,"num_words":5,"start":12.885,"end":17.305},{"sentences":[{"text":"Yeah.","start":18.005,"end":18.505,"sentiment":"neutral","sentiment_score":0.020162753760814667},{"text":"No.","start":18.645,"end":19.125,"sentiment":"neutral","sentiment_score":-0.053541362285614014},{"text":"Understandable.","start":19.125,"end":19.625,"sentiment":"neutral","sentiment_score":-0.05099796503782272},{"text":"I do apologize about the confusion with the appointment there.","start":20.005,"end":22.805,"sentiment":"neutral","sentiment_score":-0.16165813356637954},{"text":"I know you do normally like to come into the office and run through things.","start":22.805,"end":25.945,"sentiment":"neutral","sentiment_score":-0.03802952145536741}],"sentiment":"neutral","sentiment_score":-0.0811214546806046,"channel":0,"num_words":28,"start":18.005,"end":25.945},{"sentences":[{"text":"Oh, no.","start":25.6,"end":26.08,"sentiment":"neutral","sentiment_score":-0.05186294764280319},{"text":"No.","start":26.08,"end":26.480001,"sentiment":"neutral","sentiment_score":-0.05626798048615456},{"text":"That's all good.","start":26.480001,"end":27.52,"sentiment":"neutral","sentiment_score":0.035016417503356934},{"text":"I I'm not really sure what happened with the phone there.","start":27.52,"end":29.84,"sentiment":"neutral","sentiment_score":-0.18478615311059085},{"text":"It's","start":29.84,"end":30.34,"sentiment":"neutral","sentiment_score":-0.06442365050315857}],"sentiment":"neutral","sentiment_score":-0.11955644211007489,"channel":1,"num_words":18,"start":25.6,"end":30.34},{"sentences":[{"text":"Yeah.","start":30.380001,"end":30.880001,"sentiment":"neutral","sentiment_score":-0.04185253381729126},{"text":"That's","start":31.42,"end":31.92,"sentiment":"neutral","sentiment_score":-0.06911890208721161}],"sentiment":"neutral","sentiment_score":-0.055485717952251434,"channel":0,"num_words":2,"start":30.380001,"end":31.92},{"sentences":[{"text":"yeah.","start":31.92,"end":32.42,"sentiment":"neutral","sentiment_score":-0.048566270619630814},{"text":"Called through, and it was making some it was like I dialed the fax machine or something.","start":33.04,"end":37.14,"sentiment":"neutral","sentiment_score":-0.12617378944859786}],"sentiment":"neutral","sentiment_score":-0.12186226062476635,"channel":1,"num_words":18,"start":31.92,"end":37.14},{"sentences":[{"text":"okay.","start":37.02,"end":37.52,"sentiment":"neutral","sentiment_score":-0.04310723394155502},{"text":"Oh, that's really unusual, isn't it?","start":37.66,"end":40.16,"sentiment":"neutral","sentiment_score":-0.14273505037029585}],"sentiment":"neutral","sentiment_score":-0.12850250516619002,"channel":0,"num_words":7,"start":37.02,"end":40.16},{"sentences":[{"text":"Yeah.","start":40.735,"end":41.215,"sentiment":"neutral","sentiment_score":-0.02965426445007324},{"text":"But anyway","start":41.215,"end":41.954998,"sentiment":"neutral","sentiment_score":-0.01204719953238964}],"sentiment":"neutral","sentiment_score":-0.017916221171617508,"channel":1,"num_words":3,"start":40.735,"end":41.954998},{"sentences":[{"text":"Yeah.","start":42.415,"end":42.495,"sentiment":"neutral","sentiment_score":0.001972193829715252},{"text":"Yeah.","start":42.495,"end":42.815002,"sentiment":"neutral","sentiment_score":-0.0009379256516695024},{"text":"No.","start":42.815002,"end":43.135002,"sentiment":"neutral","sentiment_score":-0.017047833651304245},{"text":"Look.","start":43.135002,"end":43.375,"sentiment":"neutral","sentiment_score":0.023786362260580063},{"text":"We we got connected now.","start":43.375,"end":44.575,"sentiment":"neutral","sentiment_score":0.09090736582875251}],"sentiment":"neutral","sentiment_score":0.051367736214564905,"channel":0,"num_words":9,"start":42.415,"end":44.575},{"sentences":[{"text":"That's the main 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got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well.","start":231.355,"end":236.495,"sentiment":"neutral","sentiment_score":-0.1721644496752156}],"sentiment":"neutral","sentiment_score":-0.1721644496752156,"channel":1,"num_words":18,"start":231.355,"end":236.495},{"sentences":[{"text":"Yeah.","start":237.015,"end":237.415,"sentiment":"neutral","sentiment_score":0.0234819483011961},{"text":"No.","start":237.415,"end":237.655,"sentiment":"neutral","sentiment_score":0.13406780362129211},{"text":"That's fantastic.","start":237.655,"end":238.475,"sentiment":"positive","sentiment_score":0.5560913234949112},{"text":"That's not a problem at all.","start":238.615,"end":240.155,"sentiment":"positive","sentiment_score":0.4421774595975876},{"text":"I'll just make a note of it in the back 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worries.","start":248.9,"end":249.64,"sentiment":"neutral","sentiment_score":0.26942986249923706}],"sentiment":"neutral","sentiment_score":0.2842179338137309,"channel":1,"num_words":3,"start":248.5,"end":249.64},{"sentences":[{"text":"Fantastic.","start":249.63,"end":250.13,"sentiment":"positive","sentiment_score":0.6029552221298218},{"text":"All good.","start":250.75,"end":251.49,"sentiment":"positive","sentiment_score":0.48651739954948425},{"text":"Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there.","start":251.63,"end":257.685,"sentiment":"neutral","sentiment_score":0.06645369078173782},{"text":"You've probably also","start":257.845,"end":258.645,"sentiment":"neutral","sentiment_score":0.009442790721853575}],"sentiment":"neutral","sentiment_score":0.09736641510747947,"channel":0,"num_words":39,"start":249.63,"end":258.645},{"sentences":[{"text":"Yep.","start":258.5,"end":259.0,"sentiment":"neutral","sentiment_score":0.00363461091183126}],"sentiment":"neutral","sentiment_score":0.00363461091183126,"channel":1,"num_words":1,"start":258.5,"end":259.0},{"sentences":[{"text":"had a bit of a understanding of what's been going on in the news.","start":258.645,"end":261.285,"sentiment":"neutral","sentiment_score":-0.002115038622702871},{"text":"The markets have been very up and down this year.","start":261.285,"end":264.085,"sentiment":"neutral","sentiment_score":-0.1750529333949089},{"text":"We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news.","start":264.085,"end":271.625,"sentiment":"neutral","sentiment_score":-0.11275064020321288}],"sentiment":"neutral","sentiment_score":-0.09528129133132268,"channel":0,"num_words":53,"start":258.645,"end":271.625},{"sentences":[{"text":"Oh, yeah.","start":272.405,"end":272.965,"sentiment":"neutral","sentiment_score":-0.07188252173364162},{"text":"Yeah.","start":272.965,"end":273.205,"sentiment":"neutral","sentiment_score":-0.07873043417930603},{"text":"It's a whole mess.","start":273.205,"end":274.14,"sentiment":"neutral","sentiment_score":-0.17634720727801323}],"sentiment":"neutral","sentiment_score":-0.1325549009655203,"channel":1,"num_words":7,"start":272.405,"end":274.14},{"sentences":[{"text":"It is at the moment, isn't it?","start":275.0,"end":276.76,"sentiment":"neutral","sentiment_score":-0.08432770999414581},{"text":"Well, it does sort of mean that with a lot of that going on, there has been a lot of unstability, sorry, in the markets there.","start":276.76,"end":283.16,"sentiment":"neutral","sentiment_score":-0.1314419493652307},{"text":"So investors have been a little bit wary of what's been going on, and it does mean the markets have been going up and down.","start":283.16,"end":290.545,"sentiment":"neutral","sentiment_score":-0.16402262270450593},{"text":"We've had a lot of volatility to sort of withstand.","start":290.545,"end":292.80502,"sentiment":"neutral","sentiment_score":-0.14872272685170174},{"text":"Your balance in your hub 20 super as of the May 11, which is when we completed this document here, It does show 52,237 and 45¢ there.","start":293.665,"end":305.47998,"sentiment":"neutral","sentiment_score":0.014908344950526953}],"sentiment":"neutral","sentiment_score":-0.09795702681777642,"channel":0,"num_words":95,"start":275.0,"end":305.47998},{"sentences":[{"text":"I'm just quickly logging in to give you an updated balance.","start":305.47998,"end":308.3,"sentiment":"neutral","sentiment_score":0.06738624146038835},{"text":"So as of today's date, we're at 52,302 as well.","start":308.52,"end":313.15997,"sentiment":"neutral","sentiment_score":0.0693795595318079},{"text":"So it is good.","start":313.15997,"end":314.14502,"sentiment":"positive","sentiment_score":0.3586513549089432},{"text":"You are definitely up from where you were when you came on board.","start":314.14502,"end":317.125,"sentiment":"neutral","sentiment_score":0.17190107015463021},{"text":"It's up from","start":317.345,"end":318.14502,"sentiment":"neutral","sentiment_score":0.07325752327839534}],"sentiment":"neutral","sentiment_score":0.1298569793381342,"channel":0,"num_words":41,"start":305.47998,"end":318.14502},{"sentences":[{"text":"Yep.","start":317.875,"end":318.375,"sentiment":"neutral","sentiment_score":0.033564865589141846}],"sentiment":"neutral","sentiment_score":0.033564865589141846,"channel":1,"num_words":1,"start":317.875,"end":318.375},{"sentences":[{"text":"a couple of days ago as well.","start":318.14502,"end":319.505,"sentiment":"neutral","sentiment_score":0.024504810039486204},{"text":"So the markets are showing a bit of recovery there.","start":319.505,"end":322.08502,"sentiment":"neutral","sentiment_score":-0.012525950744748115},{"text":"However, with the volatility, it has meant the markets have had some great performance, but we've also seen some really hefty downtimes in the last year as last few months as well.","start":322.625,"end":332.63998,"sentiment":"neutral","sentiment_score":-0.23242877190932631},{"text":"So","start":332.63998,"end":333.13998,"sentiment":"neutral","sentiment_score":-0.0489715114235878}],"sentiment":"neutral","sentiment_score":-0.14880836099386216,"channel":0,"num_words":50,"start":318.14502,"end":333.13998},{"sentences":[{"text":"Yeah.","start":333.56,"end":333.96,"sentiment":"neutral","sentiment_score":-0.02235925942659378},{"text":"Yeah.","start":333.96,"end":334.2,"sentiment":"neutral","sentiment_score":0.1339191496372223}],"sentiment":"neutral","sentiment_score":0.055779945105314255,"channel":1,"num_words":2,"start":333.56,"end":334.2},{"sentences":[{"text":"your","start":334.16,"end":334.66,"sentiment":"neutral","sentiment_score":0.1485576331615448}],"sentiment":"neutral","sentiment_score":0.1485576331615448,"channel":0,"num_words":1,"start":334.16,"end":334.66},{"sentences":[{"text":"It's been all over the place.","start":334.2,"end":335.5,"sentiment":"neutral","sentiment_score":0.27490949879089993}],"sentiment":"neutral","sentiment_score":0.27490949879089993,"channel":1,"num_words":6,"start":334.2,"end":335.5},{"sentences":[{"text":"absolutely.","start":336.08,"end":336.58,"sentiment":"positive","sentiment_score":0.4428054094314575},{"text":"Yeah.","start":337.28,"end":337.78,"sentiment":"positive","sentiment_score":0.3869684636592865},{"text":"So with your super, it is showing over the last twelve months, you do have a positive.","start":338.16,"end":342.735,"sentiment":"positive","sentiment_score":0.5606636843260597},{"text":"It is a positive return of 3.06%.","start":342.735,"end":345.79498,"sentiment":"positive","sentiment_score":0.6505415695054191},{"text":"It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return.","start":346.095,"end":359.76,"sentiment":"neutral","sentiment_score":0.2534624383134662}],"sentiment":"positive","sentiment_score":0.35883995852892914,"channel":0,"num_words":79,"start":336.08,"end":359.76},{"sentences":[{"text":"A lot of the other","start":360.30002,"end":361.42,"sentiment":"neutral","sentiment_score":-0.04654321894049644}],"sentiment":"neutral","sentiment_score":-0.04654321894049644,"channel":0,"num_words":5,"start":360.30002,"end":361.42},{"sentences":[{"text":"Yeah.","start":360.99,"end":361.49,"sentiment":"neutral","sentiment_score":-0.13809865713119507}],"sentiment":"neutral","sentiment_score":-0.13809865713119507,"channel":1,"num_words":1,"start":360.99,"end":361.49},{"sentences":[{"text":"funds in the areas and industry funds have definitely been reporting negative returns over the past few months.","start":361.42,"end":366.7,"sentiment":"negative","sentiment_score":-0.38191544595691895},{"text":"So to go through that and still come out with a positive return, we are happy to see.","start":366.7,"end":370.96002,"sentiment":"neutral","sentiment_score":0.05920205141107241},{"text":"But I never sugarcoat it, and I will let you know it is lower than where we would like it to be for the first year.","start":371.205,"end":376.085,"sentiment":"neutral","sentiment_score":-0.279302516235755},{"text":"So it's understandable.","start":376.085,"end":377.065,"sentiment":"neutral","sentiment_score":-0.08997744818528493},{"text":"Okay?","start":377.525,"end":378.025,"sentiment":"neutral","sentiment_score":-0.02424868196249008}],"sentiment":"neutral","sentiment_score":-0.2024982962192911,"channel":0,"num_words":66,"start":361.42,"end":378.025},{"sentences":[{"text":"Yep.","start":378.055,"end":378.555,"sentiment":"neutral","sentiment_score":0.05223606526851654},{"text":"No worries.","start":379.08002,"end":379.82,"sentiment":"neutral","sentiment_score":0.11979397386312485}],"sentiment":"neutral","sentiment_score":0.09727467099825542,"channel":1,"num_words":3,"start":378.055,"end":379.82},{"sentences":[{"text":"Excellent.","start":379.685,"end":380.185,"sentiment":"positive","sentiment_score":0.44470930099487305},{"text":"It does say when I sort of have a look at all the investments within the super, everything is performing really well.","start":381.685,"end":387.1,"sentiment":"neutral","sentiment_score":0.3215467062863437},{"text":"Some of your best performers over the past twelve months have essentially been the Bank Hybrid, the defensive investments.","start":387.48,"end":394.36002,"sentiment":"positive","sentiment_score":0.42498219797485753},{"text":"Your physical gold is up very heavily, doing very, very well.","start":394.36002,"end":398.06,"sentiment":"positive","sentiment_score":0.5314619080586866},{"text":"The a 200 has been doing nicely to giving you exposure to the top 200 companies on the ASX.","start":398.44498,"end":404.06497,"sentiment":"positive","sentiment_score":0.4623195936805324}],"sentiment":"positive","sentiment_score":0.41977155374156105,"channel":0,"num_words":72,"start":379.685,"end":404.06497},{"sentences":[{"text":"And even given","start":404.44498,"end":405.32498,"sentiment":"neutral","sentiment_score":0.22262380023797354}],"sentiment":"neutral","sentiment_score":0.22262380023797354,"channel":0,"num_words":3,"start":404.44498,"end":405.32498},{"sentences":[{"text":"Yes.","start":405.01498,"end":405.42,"sentiment":"neutral","sentiment_score":0.2835749387741089}],"sentiment":"neutral","sentiment_score":0.2835749387741089,"channel":1,"num_words":1,"start":405.01498,"end":405.42},{"sentences":[{"text":"what's happening between The US there, overall, the S and P five hundred's seen a positive result as well.","start":405.32498,"end":411.405,"sentiment":"positive","sentiment_score":0.3925821459607074},{"text":"So it is really good to see that you've come out with a positive for the first year even though it has been a bit lower due to your market expectations.","start":411.405,"end":419.44,"sentiment":"positive","sentiment_score":0.46935275076858457},{"text":"Okay?","start":419.9,"end":420.4,"sentiment":"neutral","sentiment_score":0.09329202771186829}],"sentiment":"positive","sentiment_score":0.43337819754493,"channel":0,"num_words":51,"start":405.32498,"end":420.4},{"sentences":[{"text":"Yep.","start":421.555,"end":422.055,"sentiment":"neutral","sentiment_score":0.06775062531232834}],"sentiment":"neutral","sentiment_score":0.06775062531232834,"channel":1,"num_words":1,"start":421.555,"end":422.055},{"sentences":[{"text":"Nothing in there sort of flags to me to kind of move at the moment.","start":422.78,"end":426.455,"sentiment":"neutral","sentiment_score":-0.10867347071568172},{"text":"What I do wanna kinda do, if you're comfortable with, I'll keep watching it over the next couple of months.","start":426.755,"end":431.415,"sentiment":"neutral","sentiment_score":0.13076419122517108},{"text":"We might even do a bit of a three monthly catch up for you in the next few months and see where we've sort of tracked from from today up to the next three months and just sort of see how your portfolio is tracking and whether we maybe make any changes to those investments.","start":431.63498,"end":444.58,"sentiment":"neutral","sentiment_score":0.12472231984138489},{"text":"Does that sound okay to yourself, or did you have any questions?","start":444.58,"end":447.72,"sentiment":"neutral","sentiment_score":0.09722281123201053},{"text":"Or","start":447.78,"end":448.28,"sentiment":"neutral","sentiment_score":0.051547691226005554}],"sentiment":"neutral","sentiment_score":0.08799156098111162,"channel":0,"num_words":103,"start":422.78,"end":448.28},{"sentences":[{"text":"Yeah.","start":449.165,"end":449.64502,"sentiment":"neutral","sentiment_score":0.03234156221151352},{"text":"No.","start":449.64502,"end":449.965,"sentiment":"neutral","sentiment_score":0.018788745626807213},{"text":"That that largely sounds fine.","start":449.965,"end":451.98502,"sentiment":"neutral","sentiment_score":0.09642364829778671}],"sentiment":"neutral","sentiment_score":0.07617836418960776,"channel":1,"num_words":7,"start":449.165,"end":451.98502},{"sentences":[{"text":"Yep.","start":452.755,"end":453.255,"sentiment":"neutral","sentiment_score":0.04139389470219612}],"sentiment":"neutral","sentiment_score":0.04139389470219612,"channel":0,"num_words":1,"start":452.755,"end":453.255},{"sentences":[{"text":"I obviously, like, I tracked the budget last night as it was sort of coming out and bits and","start":454.525,"end":460.685,"sentiment":"neutral","sentiment_score":0.0017624407467481337}],"sentiment":"neutral","sentiment_score":0.0017624407467481337,"channel":1,"num_words":19,"start":454.525,"end":460.685},{"sentences":[{"text":"Yeah.","start":460.67502,"end":461.17502,"sentiment":"neutral","sentiment_score":-0.004125635139644146}],"sentiment":"neutral","sentiment_score":-0.004125635139644146,"channel":0,"num_words":1,"start":460.67502,"end":461.17502},{"sentences":[{"text":"pieces.","start":460.685,"end":461.185,"sentiment":"neutral","sentiment_score":-0.006572806276381016},{"text":"I'm just wondering if I","start":461.97,"end":464.45,"sentiment":"neutral","sentiment_score":-0.009496457129716872}],"sentiment":"neutral","sentiment_score":-0.00900918198749423,"channel":1,"num_words":6,"start":460.685,"end":464.45},{"sentences":[{"text":"Yes.","start":464.28998,"end":464.78998,"sentiment":"neutral","sentiment_score":-0.009885815903544426}],"sentiment":"neutral","sentiment_score":-0.009885815903544426,"channel":0,"num_words":1,"start":464.28998,"end":464.78998},{"sentences":[{"text":"if I've got anything that's sort of tied to the fence.","start":464.61002,"end":467.43002,"sentiment":"neutral","sentiment_score":-0.01938162100586024}],"sentiment":"neutral","sentiment_score":-0.01938162100586024,"channel":1,"num_words":11,"start":464.61002,"end":467.43002},{"sentences":[{"text":"To defend in the investments there?","start":470.53,"end":472.63,"sentiment":"neutral","sentiment_score":-0.009656152998407682}],"sentiment":"neutral","sentiment_score":-0.009656152998407682,"channel":0,"num_words":6,"start":470.53,"end":472.63},{"sentences":[{"text":"Yeah.","start":473.25,"end":473.75,"sentiment":"neutral","sentiment_score":-0.0013731950893998146}],"sentiment":"neutral","sentiment_score":-0.0013731950893998146,"channel":1,"num_words":1,"start":473.25,"end":473.75},{"sentences":[{"text":"Yeah.","start":474.545,"end":475.025,"sentiment":"neutral","sentiment_score":-0.0011247126385569572},{"text":"So you are in, like, the S and P 500 and the a 200 there, and you do have a bit of cybersecurity.","start":475.025,"end":480.725,"sentiment":"neutral","sentiment_score":0.00838518486884625},{"text":"So you would definitely be invested in defense areas.","start":481.745,"end":485.105,"sentiment":"neutral","sentiment_score":-0.001494737962881724},{"text":"Is that somewhere that you would not like to be invested?","start":485.105,"end":487.605,"sentiment":"neutral","sentiment_score":-0.07742023129354823},{"text":"Or","start":487.745,"end":488.245,"sentiment":"neutral","sentiment_score":-0.05728333070874214}],"sentiment":"neutral","sentiment_score":-0.01623608838352892,"channel":0,"num_words":45,"start":474.545,"end":488.245},{"sentences":[{"text":"Oh, no.","start":488.555,"end":489.115,"sentiment":"neutral","sentiment_score":-0.09096145257353783},{"text":"I was just curious because I know that the well, it was sort of flagged.","start":489.115,"end":493.75,"sentiment":"neutral","sentiment_score":-0.1501420592268308},{"text":"We knew that they were gonna be throwing a bit of money at it in the budget, and then I think it came in a little bit over what even expectations 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December.","start":503.45502,"end":510.435,"sentiment":"neutral","sentiment_score":-0.025375956024688024}],"sentiment":"neutral","sentiment_score":-0.015217643448462088,"channel":0,"num_words":30,"start":500.38998,"end":510.435},{"sentences":[{"text":"So cybersecurity also factors in ways and areas of defense indirectly as well.","start":511.05502,"end":514.7475,"sentiment":"neutral","sentiment_score":0.0007322129721824942},{"text":"So","start":514.7475,"end":514.92,"sentiment":"neutral","sentiment_score":0.022712519392371178}],"sentiment":"neutral","sentiment_score":0.0023022348593388286,"channel":0,"num_words":14,"start":511.05502,"end":514.92},{"sentences":[{"text":"Yeah.","start":516.475,"end":516.87,"sentiment":"neutral","sentiment_score":0.029714005067944527}],"sentiment":"neutral","sentiment_score":0.029714005067944527,"channel":1,"num_words":1,"start":516.475,"end":516.87},{"sentences":[{"text":"And I'll definitely just keep watching it.","start":519.0,"end":520.68,"sentiment":"neutral","sentiment_score":0.11317216871040207},{"text":"I do sort of look at all the investments and look at what they're doing and jump in and look at everyone's portfolios here and there to sort of see what's going on in in preparation for these sorts of things.","start":520.68,"end":529.855,"sentiment":"neutral","sentiment_score":0.09963169166954552},{"text":"So if there is anything that we maybe need to flag, we'll definitely look at doing that for you.","start":529.855,"end":534.735,"sentiment":"neutral","sentiment_score":0.07887707003637363},{"text":"But, look, if there's an area of interest for you as well, please let me know.","start":534.735,"end":538.255,"sentiment":"neutral","sentiment_score":0.11025112960487604},{"text":"I'm more than happy to investigate it for you and see what adding to your portfolio can 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some degree, I just yeah.","start":546.98004,"end":548.98004,"sentiment":"neutral","sentiment_score":0.11171742528676987},{"text":"It was just one of the things that was on the back of my 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that's essentially your super.","start":556.765,"end":558.205,"sentiment":"neutral","sentiment_score":0.32974016666412354},{"text":"As I mentioned, you've got some port you've some portfolio reports now showing so that the different so the different time horizons that I've looked at is showing you where the portfolio is, but it's good that you are showing a positive result for the first year.","start":558.205,"end":570.74,"sentiment":"positive","sentiment_score":0.39838462655848644},{"text":"We'll keep monitoring things.","start":570.74,"end":571.86,"sentiment":"neutral","sentiment_score":0.320058710873127},{"text":"We'll keep doing catch ups with you to see where we're tracking.","start":571.86,"end":574.52,"sentiment":"neutral","sentiment_score":0.22620299023886523}],"sentiment":"positive","sentiment_score":0.35911166268414346,"channel":0,"num_words":69,"start":555.645,"end":574.52},{"sentences":[{"text":"And with your contribution still going in, even through the downtime, you're still taking advantage and buying in and buying low.","start":574.98,"end":582.325,"sentiment":"positive","sentiment_score":0.383939564937637},{"text":"So it's really good to see that everything's still tracking, and we'll just make sure we keep tracking it and see where you are in the next three months and see if anything needs to be updated for your super.","start":582.325,"end":591.54504,"sentiment":"positive","sentiment_score":0.4715531788766384},{"text":"Okay?","start":591.765,"end":592.265,"sentiment":"neutral","sentiment_score":0.26024866104125977}],"sentiment":"positive","sentiment_score":0.43846946257737374,"channel":0,"num_words":62,"start":574.98,"end":592.265},{"sentences":[{"text":"Great.","start":593.265,"end":593.765,"sentiment":"positive","sentiment_score":0.7412921786308289},{"text":"Thanks.","start":593.90497,"end":594.33,"sentiment":"positive","sentiment_score":0.7075149416923523}],"sentiment":"positive","sentiment_score":0.7244035601615906,"channel":1,"num_words":2,"start":593.265,"end":594.33},{"sentences":[{"text":"Excellent.","start":594.44,"end":594.94,"sentiment":"positive","sentiment_score":0.6212620139122009},{"text":"No worries.","start":595.24005,"end":596.06,"sentiment":"neutral","sentiment_score":0.2359069436788559},{"text":"Now the other thing, having a look here at your investment.","start":596.52,"end":599.18005,"sentiment":"neutral","sentiment_score":0.05043582025576721},{"text":"So that has only just sort of come into play as of about November.","start":599.32,"end":604.14,"sentiment":"neutral","sentiment_score":-0.00022201526111790125},{"text":"For the first six months, essentially, you are down a little bit again because of what's happening with the markets in general.","start":604.52,"end":610.525,"sentiment":"neutral","sentiment_score":-0.1220300578596917}],"sentiment":"neutral","sentiment_score":-0.02079799124971032,"channel":0,"num_words":50,"start":594.44,"end":610.525},{"sentences":[{"text":"When I look","start":611.065,"end":611.545,"sentiment":"neutral","sentiment_score":-0.03777580459912618}],"sentiment":"neutral","sentiment_score":-0.03777580459912618,"channel":0,"num_words":3,"start":611.065,"end":611.545},{"sentences":[{"text":"Yeah.","start":611.45496,"end":611.95496,"sentiment":"neutral","sentiment_score":-0.02367265522480011}],"sentiment":"neutral","sentiment_score":-0.02367265522480011,"channel":1,"num_words":1,"start":611.45496,"end":611.95496},{"sentences":[{"text":"at the the six monthly return, net is is that it's down about 1.93%.","start":611.545,"end":617.005,"sentiment":"neutral","sentiment_score":-0.030929021005119597},{"text":"But then when we kinda break it down and look at the last sort of, you know, three months as a whole, after sort of the March, which is when we saw the biggest and the the largest kind of volatility, the biggest downtimes.","start":617.225,"end":629.66003,"sentiment":"neutral","sentiment_score":-0.02774661567739465},{"text":"Your portfolio has come back showing it's a positive of 0.69%.","start":630.12,"end":634.395,"sentiment":"neutral","sentiment_score":0.12297128818251869},{"text":"So it does show that whilst you are down overall since November with your investment, you are showing it is coming back, and it it has had a bit of a recovery point there.","start":634.47504,"end":644.555,"sentiment":"neutral","sentiment_score":0.015570370480418205},{"text":"So we just need to let it kinda go through that, keep that dollar","start":644.555,"end":648.09,"sentiment":"neutral","sentiment_score":0.018476603951837336}],"sentiment":"neutral","sentiment_score":0.004161468699065029,"channel":0,"num_words":117,"start":611.545,"end":648.09},{"sentences":[{"text":"Yes.","start":647.855,"end":648.355,"sentiment":"neutral","sentiment_score":0.03943878412246704}],"sentiment":"neutral","sentiment_score":0.03943878412246704,"channel":1,"num_words":1,"start":647.855,"end":648.355},{"sentences":[{"text":"cost averaging going.","start":648.09,"end":649.21,"sentiment":"neutral","sentiment_score":0.07738532374302547},{"text":"And, again, same with your investment.","start":649.21,"end":650.99,"sentiment":"neutral","sentiment_score":0.05723381539185842},{"text":"We'll just revisit that the next three months, have a look at what's happening.","start":651.37,"end":654.81,"sentiment":"neutral","sentiment_score":0.07231547550431319},{"text":"I'll keep watching everything.","start":654.81,"end":656.19,"sentiment":"neutral","sentiment_score":0.12471327558159828},{"text":"And if maybe there's some flags that we need to maybe make some alterations to it, we'll definitely do that for you.","start":656.65,"end":661.93,"sentiment":"neutral","sentiment_score":0.08306685894389045}],"sentiment":"neutral","sentiment_score":0.07988366366801214,"channel":0,"num_words":49,"start":648.09,"end":661.93},{"sentences":[{"text":"But the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole.","start":661.93,"end":670.485,"sentiment":"neutral","sentiment_score":0.3052585850159327},{"text":"So it it's working really well.","start":671.185,"end":673.025,"sentiment":"positive","sentiment_score":0.58069675664107},{"text":"It's just been following the market trends.","start":673.025,"end":675.265,"sentiment":"positive","sentiment_score":0.3624624844108309},{"text":"So nothing in there is being flagged as, you know, being down because of anything serious, which is good.","start":675.265,"end":681.26,"sentiment":"neutral","sentiment_score":0.009054357676129592},{"text":"Okay.","start":681.32,"end":681.82,"sentiment":"neutral","sentiment_score":0.17346680164337158}],"sentiment":"neutral","sentiment_score":0.24642341394746115,"channel":0,"num_words":63,"start":661.93,"end":681.82},{"sentences":[{"text":"Yep.","start":681.99,"end":682.49,"sentiment":"neutral","sentiment_score":0.18406909704208377}],"sentiment":"neutral","sentiment_score":0.18406909704208377,"channel":1,"num_words":1,"start":681.99,"end":682.49},{"sentences":[{"text":"All good.","start":683.32,"end":683.88,"sentiment":"positive","sentiment_score":0.47648464143276215}],"sentiment":"positive","sentiment_score":0.47648464143276215,"channel":0,"num_words":2,"start":683.32,"end":683.88},{"sentences":[{"text":"Cool.","start":683.75,"end":684.25,"sentiment":"neutral","sentiment_score":0.2944883704185486}],"sentiment":"neutral","sentiment_score":0.2944883704185486,"channel":1,"num_words":1,"start":683.75,"end":684.25},{"sentences":[{"text":"Did you have any questions about that at all?","start":683.88,"end":686.2,"sentiment":"neutral","sentiment_score":0.10119687848620945},{"text":"I never wanna sugarcoat anything.","start":686.2,"end":687.96,"sentiment":"neutral","sentiment_score":-0.08276784084737301},{"text":"I wanna sorta make sure I'm honest with you when the markets aren't performing as well as they should be, But just making sure that you're you're able to ask questions or if you have any concerns, you're welcome to let me know there as well.","start":687.96,"end":698.745,"sentiment":"neutral","sentiment_score":0.22292940261895242},{"text":"Okay?","start":698.745,"end":699.245,"sentiment":"neutral","sentiment_score":0.10723553597927094}],"sentiment":"neutral","sentiment_score":0.17801509440311644,"channel":0,"num_words":61,"start":683.88,"end":699.245},{"sentences":[{"text":"Yeah.","start":699.045,"end":699.545,"sentiment":"neutral","sentiment_score":0.028747856616973877},{"text":"Just one question I had was","start":700.165,"end":702.505,"sentiment":"neutral","sentiment_score":-0.00048507548247774413}],"sentiment":"neutral","sentiment_score":0.003691057674586773,"channel":1,"num_words":7,"start":699.045,"end":702.505},{"sentences":[{"text":"Sure.","start":702.745,"end":703.245,"sentiment":"neutral","sentiment_score":-0.004707330837845802}],"sentiment":"neutral","sentiment_score":-0.004707330837845802,"channel":0,"num_words":1,"start":702.745,"end":703.245},{"sentences":[{"text":"in regard to","start":702.96497,"end":704.185,"sentiment":"neutral","sentiment_score":-0.011370451810459295}],"sentiment":"neutral","sentiment_score":-0.011370451810459295,"channel":1,"num_words":3,"start":702.96497,"end":704.185},{"sentences":[{"text":"Yep.","start":705.88,"end":706.38,"sentiment":"neutral","sentiment_score":-0.013813678175210953}],"sentiment":"neutral","sentiment_score":-0.013813678175210953,"channel":0,"num_words":1,"start":705.88,"end":706.38},{"sentences":[{"text":"fees.","start":708.10004,"end":708.42004,"sentiment":"neutral","sentiment_score":-0.017704349011182785},{"text":"So I and I might be misremembering or I might be misremembering specifics, but","start":708.42004,"end":713.80005,"sentiment":"neutral","sentiment_score":-0.04018864008997168}],"sentiment":"neutral","sentiment_score":-0.038689687351385754,"channel":1,"num_words":15,"start":708.10004,"end":713.80005},{"sentences":[{"text":"Yeah.","start":713.72003,"end":713.96,"sentiment":"neutral","sentiment_score":0.06851111352443695},{"text":"You're fine.","start":713.96,"end":714.78,"sentiment":"neutral","sentiment_score":0.16590400785207748}],"sentiment":"neutral","sentiment_score":0.13343970974286398,"channel":0,"num_words":3,"start":713.72003,"end":714.78},{"sentences":[{"text":"I I think from memory, what what we had discussed was that fees would kick in once the balance reached $10.","start":714.5,"end":721.535,"sentiment":"neutral","sentiment_score":0.024901670891614186}],"sentiment":"neutral","sentiment_score":0.024901670891614186,"channel":1,"num_words":21,"start":714.5,"end":721.535},{"sentences":[{"text":"So let me just pull up the advice document for you to reconfirm.","start":725.575,"end":729.675,"sentiment":"neutral","sentiment_score":0.0621061476950462},{"text":"Because I can see that there is an ongoing service fee on the account there, but it is expected to be about $49 for the year.","start":730.37,"end":739.73,"sentiment":"neutral","sentiment_score":0.017311418643937662},{"text":"But let me so just go back to jog my memory as well.","start":739.73,"end":742.79,"sentiment":"neutral","sentiment_score":0.04034171855220428},{"text":"Wanna make sure because if there is anything, I will go back and make it reflect.","start":742.925,"end":746.94495,"sentiment":"neutral","sentiment_score":0.022299170726910233},{"text":"Where are we?","start":753.64496,"end":754.38495,"sentiment":"neutral","sentiment_score":-0.019999634784956772}],"sentiment":"neutral","sentiment_score":0.02927756300327224,"channel":0,"num_words":71,"start":725.575,"end":754.38495},{"sentences":[{"text":"That's the superannuation one.","start":758.77997,"end":760.8,"sentiment":"neutral","sentiment_score":-0.02063071937300265},{"text":"The ongoing service fee here for this one.","start":761.74,"end":764.24,"sentiment":"neutral","sentiment_score":-0.01603416446596384},{"text":"Yeah.","start":764.45996,"end":764.94,"sentiment":"neutral","sentiment_score":0.018183542415499687},{"text":"It does.","start":764.94,"end":765.68,"sentiment":"neutral","sentiment_score":-0.0020290054380893707},{"text":"Sorry about that.","start":765.82,"end":766.875,"sentiment":"neutral","sentiment_score":-0.14084756871064505}],"sentiment":"neutral","sentiment_score":-0.03440074265624086,"channel":0,"num_words":18,"start":758.77997,"end":766.875},{"sentences":[{"text":"Yes.","start":767.195,"end":767.515,"sentiment":"neutral","sentiment_score":-0.000025287270545959473},{"text":"So I can see they have put the ongoing service fee on the account there, and it was meant to be held off until the balance reached that $10,000 mark.","start":767.515,"end":776.795,"sentiment":"neutral","sentiment_score":-0.05129757293810447},{"text":"So what I will do is I will go back and make sure that's removed there for you, and I will organize to have the the difference there refunded for you.","start":776.795,"end":786.37,"sentiment":"neutral","sentiment_score":0.006223476702167142},{"text":"It's only a very small amount, but I'll make sure that that is applied for you.","start":786.37,"end":790.20996,"sentiment":"neutral","sentiment_score":0.04923540726304054},{"text":"Okay?","start":790.20996,"end":790.70996,"sentiment":"neutral","sentiment_score":0.03638447821140289}],"sentiment":"neutral","sentiment_score":-0.006605996243372748,"channel":0,"num_words":79,"start":767.195,"end":790.70996},{"sentences":[{"text":"No worries.","start":791.005,"end":791.645,"sentiment":"neutral","sentiment_score":0.05422874353826046},{"text":"Thanks.","start":791.645,"end":791.965,"sentiment":"neutral","sentiment_score":0.1082020252943039},{"text":"I just","start":791.965,"end":792.445,"sentiment":"neutral","sentiment_score":-0.037913985550403595}],"sentiment":"neutral","sentiment_score":0.028166308254003524,"channel":1,"num_words":5,"start":791.005,"end":792.445},{"sentences":[{"text":"Sorry about 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do","start":793.81,"end":794.20996,"sentiment":"neutral","sentiment_score":-0.06571551039814949}],"sentiment":"neutral","sentiment_score":-0.06571551039814949,"channel":0,"num_words":2,"start":793.81,"end":794.20996},{"sentences":[{"text":"That's","start":794.0499,"end":794.44995,"sentiment":"neutral","sentiment_score":-0.1276651918888092}],"sentiment":"neutral","sentiment_score":-0.1276651918888092,"channel":1,"num_words":1,"start":794.0499,"end":794.44995},{"sentences":[{"text":"apologize","start":794.20996,"end":794.70996,"sentiment":"neutral","sentiment_score":-0.18409700691699984}],"sentiment":"neutral","sentiment_score":-0.18409700691699984,"channel":0,"num_words":1,"start":794.20996,"end":794.70996},{"sentences":[{"text":"fine.","start":794.44995,"end":794.94995,"sentiment":"neutral","sentiment_score":-0.055290523916482925}],"sentiment":"neutral","sentiment_score":-0.055290523916482925,"channel":1,"num_words":1,"start":794.44995,"end":794.94995},{"sentences":[{"text":"for that.","start":794.85,"end":795.43,"sentiment":"neutral","sentiment_score":-0.07640792801976204}],"sentiment":"neutral","sentiment_score":-0.07640792801976204,"channel":0,"num_words":2,"start":794.85,"end":795.43},{"sentences":[{"text":"I yeah.","start":796.44995,"end":796.85,"sentiment":"neutral","sentiment_score":-0.026387052610516548},{"text":"I was like, I talked it a little while ago and I went, oh, I can't remember if that was, like, something that had changed or yeah.","start":796.85,"end":803.64996,"sentiment":"neutral","sentiment_score":-0.06996251297769723},{"text":"That's","start":803.64996,"end":803.88995,"sentiment":"neutral","sentiment_score":-0.06967943906784058}],"sentiment":"neutral","sentiment_score":-0.06704804648955663,"channel":1,"num_words":30,"start":796.44995,"end":803.88995},{"sentences":[{"text":"No.","start":803.82495,"end":804.32495,"sentiment":"neutral","sentiment_score":-0.1569444239139557}],"sentiment":"neutral","sentiment_score":-0.1569444239139557,"channel":0,"num_words":1,"start":803.82495,"end":804.32495},{"sentences":[{"text":"all good.","start":803.88995,"end":804.62994,"sentiment":"neutral","sentiment_score":-0.08361491188406944}],"sentiment":"neutral","sentiment_score":-0.08361491188406944,"channel":1,"num_words":2,"start":803.88995,"end":804.62994},{"sentences":[{"text":"No.","start":804.785,"end":805.185,"sentiment":"neutral","sentiment_score":-0.04306964576244354},{"text":"That's","start":805.185,"end":805.50494,"sentiment":"neutral","sentiment_score":-0.019211851060390472}],"sentiment":"neutral","sentiment_score":-0.031140748411417007,"channel":0,"num_words":2,"start":804.785,"end":805.50494},{"sentences":[{"text":"No drama.","start":805.32996,"end":805.91,"sentiment":"neutral","sentiment_score":-0.04334702156484127}],"sentiment":"neutral","sentiment_score":-0.04334702156484127,"channel":1,"num_words":2,"start":805.32996,"end":805.91},{"sentences":[{"text":"okay.","start":805.50494,"end":805.90497,"sentiment":"neutral","sentiment_score":0.12208510935306548},{"text":"That's not a problem.","start":805.90497,"end":807.345,"sentiment":"neutral","sentiment_score":0.2442021667957306},{"text":"I'll I'll have that rectified for you.","start":807.345,"end":808.865,"sentiment":"neutral","sentiment_score":0.2316813085760389},{"text":"It's not an issue.","start":808.865,"end":809.745,"sentiment":"neutral","sentiment_score":0.2030767761170864},{"text":"I do apologize about that, Terry.","start":809.745,"end":811.44495,"sentiment":"neutral","sentiment_score":0.12335932503143947}],"sentiment":"neutral","sentiment_score":0.1942329996011474,"channel":0,"num_words":22,"start":805.50494,"end":811.44495},{"sentences":[{"text":"All good.","start":812.685,"end":813.34503,"sentiment":"positive","sentiment_score":0.5374171137809753}],"sentiment":"positive","sentiment_score":0.5374171137809753,"channel":1,"num_words":2,"start":812.685,"end":813.34503},{"sentences":[{"text":"Easy.","start":813.72003,"end":814.04004,"sentiment":"positive","sentiment_score":0.5740705728530884},{"text":"I'll make sure it's all sorted for you.","start":814.04004,"end":815.88,"sentiment":"positive","sentiment_score":0.4139739787206054},{"text":"Thank you for flagging that with me.","start":815.88,"end":817.4,"sentiment":"positive","sentiment_score":0.34995817712375094},{"text":"I do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified.","start":817.4,"end":824.22003,"sentiment":"neutral","sentiment_score":0.06821553242103807},{"text":"Okay.","start":824.68,"end":825.18,"sentiment":"neutral","sentiment_score":0.18047189712524417}],"sentiment":"neutral","sentiment_score":0.1846585213004247,"channel":0,"num_words":46,"start":813.72003,"end":825.18},{"sentences":[{"text":"No 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okay.","start":827.895,"end":828.615,"sentiment":"positive","sentiment_score":0.4190024584531784},{"text":"No.","start":828.615,"end":828.775,"sentiment":"neutral","sentiment_score":0.2036823034286499},{"text":"Not a problem at all.","start":828.775,"end":830.15497,"sentiment":"neutral","sentiment_score":0.2848345100879669},{"text":"Easy done.","start":830.295,"end":831.195,"sentiment":"positive","sentiment_score":0.4643428772687912}],"sentiment":"positive","sentiment_score":0.3610178530216217,"channel":0,"num_words":11,"start":827.415,"end":831.195},{"sentences":[{"text":"The other thing to sorta have a a bit of a night talk about is your insurances.","start":831.65497,"end":835.275,"sentiment":"neutral","sentiment_score":0.03439174417187186},{"text":"So we did obviously transfer your life and TPD over to hub twenty four 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sent","start":1974.47,"end":1982.3099,"sentiment":"neutral","sentiment_score":0.25883621846636135}],"sentiment":"neutral","sentiment_score":0.2796327682102428,"channel":0,"num_words":34,"start":1971.9049,"end":1982.3099},{"sentences":[{"text":"Yep.","start":1982.085,"end":1982.585,"sentiment":"neutral","sentiment_score":0.18809136748313904}],"sentiment":"neutral","sentiment_score":0.18809136748313904,"channel":1,"num_words":1,"start":1982.085,"end":1982.585},{"sentences":[{"text":"the annual review docs through.","start":1982.3099,"end":1983.4299,"sentiment":"neutral","sentiment_score":0.20444072186946868},{"text":"So feel free to have a look at them.","start":1983.4299,"end":1985.1299,"sentiment":"neutral","sentiment_score":0.21693613131841025},{"text":"If you're happy to stay on board, I'll get you to sign and return those back for me.","start":1985.2699,"end":1989.3745,"sentiment":"neutral","sentiment_score":0.27943604439496994},{"text":"That's the ongoing service agreement and the change of address form for the MyNorth, and we'll have that sent off and updated for you.","start":1989.3745,"end":1995.0823,"sentiment":"neutral","sentiment_score":0.1932953086992105},{"text":"And we'll do a catch up in about three months and see where the markets are going and see what's happening in that time.","start":1995.0823,"end":2000.79,"sentiment":"neutral","sentiment_score":0.0798013551781575}],"sentiment":"neutral","sentiment_score":0.18198496904224157,"channel":0,"num_words":80,"start":1982.3099,"end":2000.79},{"sentences":[{"text":"And I'll do a little bit of research for you just on some term deposits and high interest accounts to sort of give you an idea of what else is out there.","start":2000.9501,"end":2008.0701,"sentiment":"neutral","sentiment_score":0.1617165522184223},{"text":"Okay?","start":2008.0701,"end":2008.5701,"sentiment":"neutral","sentiment_score":0.1948544979095459}],"sentiment":"neutral","sentiment_score":0.16272073239088058,"channel":0,"num_words":33,"start":2000.9501,"end":2008.5701},{"sentences":[{"text":"Cool.","start":2008.765,"end":2009.265,"sentiment":"positive","sentiment_score":0.7487260699272156},{"text":"Thank you.","start":2009.485,"end":2010.305,"sentiment":"positive","sentiment_score":0.7918977737426758}],"sentiment":"positive","sentiment_score":0.7775072058041891,"channel":1,"num_words":3,"start":2008.765,"end":2010.305},{"sentences":[{"text":"And you see, that's okay.","start":2010.23,"end":2011.27,"sentiment":"positive","sentiment_score":0.40825170278549194},{"text":"If there's anything else you need, please let me know, Terry.","start":2011.27,"end":2013.6901,"sentiment":"neutral","sentiment_score":0.22528575496240097},{"text":"Happy to make","start":2013.985,"end":2014.705,"sentiment":"positive","sentiment_score":0.6711010336875916}],"sentiment":"positive","sentiment_score":0.34382657471456024,"channel":0,"num_words":19,"start":2010.23,"end":2014.705},{"sentences":[{"text":"Yep.","start":2014.525,"end":2014.89,"sentiment":"positive","sentiment_score":0.4035915732383728}],"sentiment":"positive","sentiment_score":0.4035915732383728,"channel":1,"num_words":1,"start":2014.525,"end":2014.89},{"sentences":[{"text":"time.","start":2014.705,"end":2015.205,"sentiment":"positive","sentiment_score":0.5304374098777771},{"text":"And I've made a little note on here as well that just when we call next time, just to check whether you wanna kinda come into the office or whether you prefer the phone to see you can kinda decide what suits you.","start":2015.4249,"end":2024.965,"sentiment":"neutral","sentiment_score":0.20247459394294162},{"text":"Okay?","start":2025.0249,"end":2025.5249,"sentiment":"neutral","sentiment_score":0.13903015851974487}],"sentiment":"neutral","sentiment_score":0.20835278017653358,"channel":0,"num_words":45,"start":2014.705,"end":2025.5249},{"sentences":[{"text":"Yep.","start":2025.61,"end":2026.11,"sentiment":"neutral","sentiment_score":0.18571993708610535},{"text":"No worries.","start":2026.33,"end":2026.965,"sentiment":"positive","sentiment_score":0.3339754194021225},{"text":"Thanks.","start":2027.2849,"end":2027.7849,"sentiment":"positive","sentiment_score":0.6822303533554077}],"sentiment":"positive","sentiment_score":0.3839752823114395,"channel":1,"num_words":4,"start":2025.61,"end":2027.7849},{"sentences":[{"text":"Fantastic.","start":2027.6799,"end":2028.1799,"sentiment":"positive","sentiment_score":0.8359742760658264},{"text":"That's okay.","start":2028.48,"end":2029.12,"sentiment":"positive","sentiment_score":0.779934287071228},{"text":"I hope you have a good relaxing afternoon.","start":2029.12,"end":2031.14,"sentiment":"positive","sentiment_score":0.7881176024675369}],"sentiment":"positive","sentiment_score":0.7909803336316888,"channel":0,"num_words":11,"start":2027.6799,"end":2031.14},{"sentences":[{"text":"Yes.","start":2032.485,"end":2032.885,"sentiment":"positive","sentiment_score":0.45622265338897705},{"text":"You too.","start":2032.885,"end":2033.625,"sentiment":"positive","sentiment_score":0.47346679866313934}],"sentiment":"positive","sentiment_score":0.4677187502384186,"channel":1,"num_words":3,"start":2032.485,"end":2033.625},{"sentences":[{"text":"Thanks, Darrie.","start":2034.313,"end":2034.9529,"sentiment":"positive","sentiment_score":0.6637999713420868},{"text":"I'll talk to you soon.","start":2034.9529,"end":2036.0729,"sentiment":"positive","sentiment_score":0.5016398012638092},{"text":"Thanks for your time.","start":2036.0729,"end":2037.1329,"sentiment":"positive","sentiment_score":0.7586221545934677}],"sentiment":"positive","sentiment_score":0.624571597034281,"channel":0,"num_words":11,"start":2034.313,"end":2037.1329},{"sentences":[{"text":"Alright.","start":2036.8049,"end":2037.3049,"sentiment":"positive","sentiment_score":0.36886972188949585},{"text":"Bye.","start":2038.005,"end":2038.505,"sentiment":"neutral","sentiment_score":0.29740846157073975}],"sentiment":"neutral","sentiment_score":0.3331390917301178,"channel":1,"num_words":2,"start":2036.8049,"end":2038.505},{"sentences":[{"text":"See you later.","start":2038.313,"end":2039.1329,"sentiment":"positive","sentiment_score":0.35113497575124103},{"text":"Bye.","start":2039.1929,"end":2039.6929,"sentiment":"neutral","sentiment_score":-0.1142064332962036}],"sentiment":"neutral","sentiment_score":0.23479962348937988,"channel":0,"num_words":4,"start":2038.313,"end":2039.6929}]},"summary":{"result":"success","short":"During a call with Terry from Mokie Financial, the representative provides an update on Terry's financial services guide and portfolio reports, noting positive results despite volatility in the markets. They also discuss Terry's pay increase and salary sacrificing for the next twelve months, and the success of their super account despite negative returns over the past twelve months. The speaker discusses investment performance and retirement goals, including home buyer scheme and travel plans. They also mention their recent move to Brisbane and their desire to save money for their daughter. The agent provides guidance on the customer's financial situation and suggests signing and returning annual review documents."},"intents":{"segments":[{"text":"I do apologize about the confusion with the appointment there. I know you do normally like to come into the office and run through things. Oh, no. No. That's all good. I I'm not really sure what happened with the phone there. It's Yeah. That's yeah. Called through, and it was making some it was like I dialed the fax machine or something. okay.","start_word":35,"end_word":98,"intents":[{"intent":"Provide clarification","confidence_score":0.0052321414}]},{"text":"Just confirming, are you driving or are you able to look at your emails at the moment?","start_word":124,"end_word":140,"intents":[{"intent":"Confirm appointment","confidence_score":0.06886157}]},{"text":"If you like, what I can do is I can run through things, give you a bit of an update on where everything's up to. We can sort of have a bit of a general chat about where things are going, what your goals are, and then we can kind of I'll send you the documents as well so that you can always run through and have a bit of a look at them after the call as well if you like. Yep.","start_word":167,"end_word":249,"intents":[{"intent":"Send documents","confidence_score":0.2015757}]},{"text":"Now before I jump in the call and run through things with you, I do have to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Yeah.","start_word":253,"end_word":294,"intents":[{"intent":"Record call","confidence_score":0.025965963}]},{"text":"And just to do security there with you as well, we're discussing your personal information. So I'll just need to confirm your full name, your date of birth, and address I should have on file. Terry James Gray.","start_word":298,"end_word":335,"intents":[{"intent":"Provide security information","confidence_score":0.016854482},{"intent":"Confirm identity","confidence_score":0.24224848}]},{"text":"you spoke to Michelle about updating your address. So she's been able to update that on the hub 24 platform for your super.","start_word":390,"end_word":412,"intents":[{"intent":"Update address","confidence_score":0.8228945}]},{"text":"We just need to get a form signed to complete that.","start_word":419,"end_word":429,"intents":[{"intent":"Update form","confidence_score":0.4705261}]},{"text":"If you're happy to continue board onboard for the next twelve months there, that is attached. It's only attached to the hub twenty four super account because the one for your investment doesn't actually expire until the November, so we'll make sure we update that down the track for you. And then we Cool.","start_word":466,"end_word":519,"intents":[{"intent":"Continue board onboard","confidence_score":0.1301083}]},{"text":"also just got some compliance documents attached there for you to review some some portfolio reports that I'll run through for you. It's also got our financial services guide, the index chart that we went through last year. I'm just showing you how the market ups and downs can affect over time and just a Yep. couple of additional reports in there for you to kind of have a really good look through. Cool.","start_word":520,"end_word":593,"intents":[{"intent":"Review portfolio reports and contributions","confidence_score":0.00016829727}]},{"text":"I've got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well. Yeah.","start_word":740,"end_word":758,"intents":[{"intent":"Review salary sacrifice","confidence_score":0.065456554}]},{"text":"Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there.","start_word":810,"end_word":842,"intents":[{"intent":"Update super","confidence_score":0.20909964},{"intent":"Provide update on super","confidence_score":0.020313531},{"intent":"Discuss investment","confidence_score":0.4617949}]},{"text":"The markets have been very up and down this year. We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news. Oh, yeah.","start_word":861,"end_word":901,"intents":[{"intent":"Analyze market performance","confidence_score":0.012839293}]},{"text":"The markets have been very up and down this year. We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news. Oh, yeah. Yeah.","start_word":861,"end_word":902,"intents":[{"intent":"Discuss market volatility","confidence_score":0.039102018}]},{"text":"So with your super, it is showing over the last twelve months, you do have a positive. It is a positive return of 3.06%. It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return.","start_word":1105,"end_word":1181,"intents":[{"intent":"Evaluate investment performance","confidence_score":0.034683514}]},{"text":"I obviously, like, I tracked the budget last night as it was sort of coming out and bits and Yeah. pieces.","start_word":1497,"end_word":1517,"intents":[{"intent":"Assess budget impact","confidence_score":0.002566489}]},{"text":"But the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole. So it it's working really well. It's just been following the market trends. So nothing in there is being flagged as, you know, being down because of anything serious, which is good. Okay.","start_word":2165,"end_word":2227,"intents":[{"intent":"Evaluate super investments","confidence_score":0.004413416}]},{"text":"in regard to Yep. fees. So I and I might be misremembering or I might be misremembering specifics, but Yeah.","start_word":2301,"end_word":2320,"intents":[{"intent":"Resolve fees conflict","confidence_score":0.00021170644}]},{"text":"Thank you for flagging that with me. I do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified. Okay.","start_word":2604,"end_word":2640,"intents":[{"intent":"Update insurances","confidence_score":0.034335613}]},{"text":"show that as it's gone through renewal for the first year, the amount of your life and TBD held within the hub twenty four account is has gone back or increased to 231,612 and 42<unk>. With the life and TBD component, you're only paying about a $150 for the year for those. They're very minor with regard to that. Are you did you wanna review the life and TPD amounts?","start_word":2712,"end_word":2781,"intents":[{"intent":"Review insurance amounts","confidence_score":0.35881463}]},{"text":"The other thing to sort of go through is just sort of looking at your goals. So we were sort of tracking towards looking at retirement. You were sort of hoping you're round about the age of 60 mark. Are we still the tracking board towards that?","start_word":2822,"end_word":2868,"intents":[{"intent":"Track retirement goals","confidence_score":0.52387303}]},{"text":"Well, we'll keep tracking with that investment. I know part of having the investment portfolio was to be able to, you know, look towards purchasing a home and use some of the funds towards that possibly in the future. Yes.","start_word":2929,"end_word":2968,"intents":[{"intent":"Keep tracking investments","confidence_score":0.0056656017}]},{"text":"But, you know, if you wanted to kinda keep building it long term, we could definitely look at, you know, trying to build it up and increase the contributions down the track to kinda give you some sort of access early if you would like to look at doing that down the track. Yep.","start_word":2970,"end_word":3023,"intents":[{"intent":"Increasing contributions","confidence_score":0.0071053198}]},{"text":"Other than that, I did have that you you were traveling last year, and you made mention you've got some travel plans this year as well. Yeah.","start_word":3027,"end_word":3053,"intents":[{"intent":"Traveling","confidence_score":0.41390938}]},{"text":"And we sorta had a goal there looking to try and purchase a home in the next sort of two to five years.","start_word":3156,"end_word":3178,"intents":[{"intent":"Purchase a home","confidence_score":0.07942511}]},{"text":"I mean, the changes that they've put in last night are something, but I don't think Yeah. they're gonna really do much for me. No.","start_word":3215,"end_word":3239,"intents":[{"intent":"Revealing changes","confidence_score":0.00054181955},{"intent":"Discussing bill changes","confidence_score":0.0075154225}]},{"text":"So this they've sort of put out the the bill on what they want to occur, but then it does have to pass Yeah. parliament and go through the segments as well. So we'll see what does and or doesn't pass. I know thinking about Yeah.","start_word":3286,"end_word":3331,"intents":[{"intent":"Discussing bill passage","confidence_score":0.011897103}]},{"text":"some of those changes, it would affect them as well. So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go. But then, also, we have a whole another budget coming next year as well. So anything Yeah.","start_word":3333,"end_word":3387,"intents":[{"intent":"Discuss budget changes","confidence_score":0.030618902}]},{"text":"So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go.","start_word":3342,"end_word":3369,"intents":[{"intent":"Pass legislation","confidence_score":0.4416787}]},{"text":"So it's allowing me to put a bit more away, Yep. which I've just got sort of I'm just basically feeding what excess I can into, like, a increased interest savings. Beautiful. Beautiful.","start_word":3438,"end_word":3470,"intents":[{"intent":"Express interest savings","confidence_score":0.004524837}]},{"text":"And how much do That's you have in there at the moment? there's $8 sitting in there, Okay.","start_word":3471,"end_word":3488,"intents":[{"intent":"Invest money","confidence_score":0.0067549925}]},{"text":"I'd be interested if you have any sort of knowledge of anything that I can sort of do that's, like, relatively high stability, but, like, anything higher on on interest return. Yeah.","start_word":3502,"end_word":3533,"intents":[{"intent":"Review interest return","confidence_score":0.010539391},{"intent":"Investigate interest rate","confidence_score":0.00039053924}]},{"text":"into I it, but I was looking that's at, like, okay. you know, term deposits or things like that to make it grow Yep.","start_word":3579,"end_word":3602,"intents":[{"intent":"Discuss terms","confidence_score":0.002733298}]},{"text":"What I've got set aside in that concessional part of my super, I think is up around 15 now that I can draw on for that home buyer scheme or whatever it is that they've got. Yep. Yep.","start_word":3621,"end_word":3658,"intents":[{"intent":"Draw on concessional plan","confidence_score":0.04723551}]},{"text":"So if you like, I can have a bit of a look around at high interest cash accounts versus 10 deposits and kind of do up a little bit of a strategy paper. Just take some time to kinda put it together for you. But I can give Yeah. you a couple Yep. of options to kind of mull over and investigate to see if any of that picks your interest and helps you with your savings a little bit. Yeah.","start_word":3707,"end_word":3787,"intents":[{"intent":"Discuss high interest cash accounts","confidence_score":0.050150067},{"intent":"Discuss cash rate strategy","confidence_score":0.11830941},{"intent":"Discuss interest rates and mortgages","confidence_score":0.03142964},{"intent":"Discuss interest rates","confidence_score":0.14737752}]},{"text":"It is very hard at the moment. It's been a little bit volatile in the markets, but then also with what we've had going on here, higher interest rates and the cat and, you know, money kind of isn't hitting the point we wanted to at the moment.","start_word":3836,"end_word":3883,"intents":[{"intent":"Discuss current conditions","confidence_score":0.000007865219}]},{"text":"I know with speaking to some of the economists that we've had access to, they are still expecting inflation keep increasing.","start_word":3919,"end_word":3939,"intents":[{"intent":"Discuss inflation in markets","confidence_score":0.00095718657}]},{"text":"think we just sort of wait and see what kinda happens towards the middle of the year and then towards the end of the year, and hopefully, things sort of start to settle down a little bit.","start_word":4002,"end_word":4038,"intents":[{"intent":"Evaluate future situation","confidence_score":0.00031759398}]},{"text":"So I know they've kinda forecast that, you know, inflation will kinda pull back a little bit and hit around that 2.5% around mid next year, but I'd like it to like to see it happen a little bit faster.","start_word":4040,"end_word":4079,"intents":[{"intent":"Forecast inflation rate","confidence_score":0.0076153246}]},{"text":"We're sort of hoping that the budget might, you know, to help with that, but I don't think it is going to if they're still forecasting No. a It's five not percent looking return. that way. The budget hasn't Yeah. done much at all. Yeah.","start_word":4079,"end_word":4123,"intents":[{"intent":"Help with budget","confidence_score":0.32856408}]},{"text":"And if if we if the property market keeps going the way it has little been, it's just gonna price everybody out of the market.","start_word":4205,"end_word":4229,"intents":[{"intent":"Help housing market","confidence_score":0.000044563778}]},{"text":"So I hope it doesn't get that bad, especially as I've got a 19 to 20 year old daughter, and they're sort of wanting to save for their first time, but they're so scared. They don't know how.","start_word":4305,"end_word":4342,"intents":[{"intent":"Reduce risks","confidence_score":0.0023390644},{"intent":"Address savings concerns","confidence_score":0.00007954353}]},{"text":"You know, they need a bit more money put aside, so it's it's not a it's a very difficult area for them to be in. Yeah.","start_word":4359,"end_word":4384,"intents":[{"intent":"Discuss financial constraints","confidence_score":0.0017831118}]},{"text":"I can see here Michelle updated your renting. So you're paying about $3.60 at the moment including bills. Is that right?","start_word":4396,"end_word":4416,"intents":[{"intent":"Update rentals","confidence_score":0.013704009}]},{"text":"And while I'm up there, I'm acting in the next level, so a higher role, Yep.","start_word":4738,"end_word":4753,"intents":[{"intent":"Report shifts in positions","confidence_score":0.000010655878}]},{"text":"There is for me to do a full payout, there is 12 and a half grand to go. Okay.","start_word":5278,"end_word":5296,"intents":[{"intent":"Calculate payout amount","confidence_score":0.0024521372}]},{"text":"So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early.","start_word":5467,"end_word":5539,"intents":[{"intent":"Increasing annual payments","confidence_score":0.00001363963}]},{"text":"So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early. Yeah.","start_word":5467,"end_word":5540,"intents":[{"intent":"Increasing investments","confidence_score":0.013439968},{"intent":"Boosting income","confidence_score":0.017030649}]},{"text":"So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early. Yeah. Yeah.","start_word":5467,"end_word":5541,"intents":[{"intent":"Reducing liability","confidence_score":0.006394779},{"intent":"Deducing liabilities","confidence_score":0.00014832141},{"intent":"Reducing liability","confidence_score":0.080011375}]},{"text":"Yeah.","start_word":5693,"end_word":5693,"intents":[{"intent":"Creating an extra step","confidence_score":0.001155792}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Terry. It's Dana from Mokie Financial. Can you hear me okay? Yeah. How are you doing?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1389123648405075},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.6157060861587524},{"text":"How's your afternoon been? Oh, yeah. You know? Work. Yeah. No. Understandable. I do apologize about the confusion with the appointment there. I know you do normally like to come into the office and run through things. Oh, no. No. That's all good. I I'm not really sure what happened with the phone there. It's Yeah. That's yeah. Called through, and it was making some it was like I dialed the fax machine or something. okay. Oh, that's really unusual, isn't it? Yeah. But anyway Yeah. Yeah. No. Look. We we got connected now. That's the main thing. yeah. All good. Just confirming, are you driving or are you able to look at your emails at the moment? Or I am presently driving for about the next yep. two minutes. I'm just on my way home. That's okay.","start_word":23,"end_word":160,"sentiment":"neutral","sentiment_score":-0.005878143943846226},{"text":"That's not a problem at all.","start_word":161,"end_word":166,"sentiment":"positive","sentiment_score":0.33840709924697876},{"text":"If you like, what I can do is I can run through things, give you a bit of an update on where everything's up to. We can sort of have a bit of a general chat about where things are going, what your goals are, and then we can kind of I'll send you the documents as well so that you can always run through and have a bit of a look at them after the call as well if you like. Yep. Easy. Yep.","start_word":167,"end_word":251,"sentiment":"neutral","sentiment_score":0.18441499769687653},{"text":"Fantastic.","start_word":252,"end_word":252,"sentiment":"positive","sentiment_score":0.5836553573608398},{"text":"Now before I jump in the call and run through things with you, I do have to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Yeah. Of course.","start_word":253,"end_word":296,"sentiment":"neutral","sentiment_score":0.2338455468416214},{"text":"Beautiful.","start_word":297,"end_word":297,"sentiment":"positive","sentiment_score":0.39745092391967773},{"text":"And just to do security there with you as well, we're discussing your personal information. So I'll just need to confirm your full name, your date of birth, and address I should have on file. Terry James Gray. August 23 Yep. '96. '8 Mhmm. Arona Avenue, South Park.","start_word":298,"end_word":345,"sentiment":"neutral","sentiment_score":0.10609891265630722},{"text":"Beautiful. Lovely. Thank you so much for that.","start_word":346,"end_word":353,"sentiment":"positive","sentiment_score":0.6043097376823425},{"text":"Now as part of the annual review docs that I'll send through to you, I'll press send on those now if they do come through to your email for you to review afterwards. I know Yep. you spoke to Michelle about updating your address. So she's been able to update that on the hub 24 platform for your super. It's just with the MyNorth platform. We just need to get a form signed to complete that. So we've attached that Yeah. to your annual review documents there as well. Yep. It I does think also that have just attached came through.","start_word":354,"end_word":454,"sentiment":"neutral","sentiment_score":0.07986468076705933},{"text":"beautiful.","start_word":455,"end_word":455,"sentiment":"positive","sentiment_score":0.5990591049194336},{"text":"It does also have attached to the ongoing service agreements. If you're happy to continue board onboard for the next twelve months there, that is attached. It's only attached to the hub twenty four super account because the one for your investment doesn't actually expire until the November, so we'll make sure we update that down the track for you. And then we Cool. also just got some compliance documents attached there for you to review some some portfolio reports that I'll run through for you. It's also got our financial services guide, the index chart that we went through last year. I'm just showing you how the market ups and downs can affect over time and just a Yep. couple of additional reports in there for you to kind of have a really good look through. Cool. Okay? All good. So how's everything been otherwise?","start_word":456,"end_word":601,"sentiment":"neutral","sentiment_score":0.12240850925445557},{"text":"I know you've got a pay increase, which is fantastic. Congratulations. Yeah. Thanks. Excellent. And it does mean, obviously, your contributions have increased there as well, which is great to see.","start_word":602,"end_word":632,"sentiment":"positive","sentiment_score":0.45959508419036865},{"text":"Having a look, now you've you're getting that additional contributions into the extra 5% on top of your wage. Just wanted Yes. to double check there because it Hub twenty four doesn't doesn't kind of note everything individually, but it looks like you're not salary sacrificing the additional. Are you wanting to sort of take on that and start salary sacrificing into soup, or are you happy just to not for the moment? For the moment, I might hold off because Hold I, off. That's like, I use fine. it for my my, like, car payment, car insurance, things Yeah. like that. Yeah. Yeah. That's And okay. I've got a bunch of bunch of trouble coming up, and I'll look at salary sacrifice as well. Yeah. No.","start_word":633,"end_word":759,"sentiment":"neutral","sentiment_score":-0.008561135981026598},{"text":"That's fantastic. That's not a problem at all.","start_word":760,"end_word":767,"sentiment":"positive","sentiment_score":0.4894885718822479},{"text":"I'll just make a note of it in the back end. And if you decide you wanna reassess, reassess or look at that again down the track, let me know.","start_word":768,"end_word":797,"sentiment":"neutral","sentiment_score":0.20453234016895297},{"text":"I'm more than happy to.","start_word":798,"end_word":802,"sentiment":"positive","sentiment_score":0.5602124333381653},{"text":"Okay? Cool. No worries.","start_word":803,"end_word":806,"sentiment":"neutral","sentiment_score":0.2736448645591736},{"text":"Fantastic. All good.","start_word":807,"end_word":809,"sentiment":"positive","sentiment_score":0.5213589072227478},{"text":"Now having a bit of a look at things, I'll start by giving you a bit of an update on your super, and then we'll have a quick chat about the investment there. You've probably also Yep. had a bit of a understanding of what's been going on in the news. The markets have been very up and down this year. We have seen a lot of volatility with what's been going on between The US and Iran and everything else at the moment you're probably hearing on the news. Oh, yeah. Yeah. It's a whole mess. It is at the moment, isn't it? Well, it does sort of mean that with a lot of that going on, there has been a lot of unstability, sorry, in the markets there. So investors have been a little bit wary of what's been going on, and it does mean the markets have been going up and down. We've had a lot of volatility to sort of withstand. Your balance in your hub 20 super as of the May 11, which is when we completed this document here, It does show 52,237 and 45<unk> there. I'm just quickly logging in to give you an updated balance. So as of today's date, we're at 52,302 as well.","start_word":810,"end_word":1023,"sentiment":"neutral","sentiment_score":-0.05126553401350975},{"text":"So it is good.","start_word":1024,"end_word":1027,"sentiment":"positive","sentiment_score":0.3560311496257782},{"text":"You are definitely up from where you were when you came on board. It's up from Yep. a couple of days ago as well. So the markets are showing a bit of recovery there. However, with the volatility, it has meant the markets have had some great performance, but we've also seen some really hefty downtimes in the last year as last few months as well. So Yeah. Yeah. your It's been all over the place.","start_word":1028,"end_word":1102,"sentiment":"neutral","sentiment_score":-0.04690650979677836},{"text":"absolutely. Yeah. So with your super, it is showing over the last twelve months, you do have a positive. It is a positive return of 3.06%.","start_word":1103,"end_word":1128,"sentiment":"positive","sentiment_score":0.5710864663124084},{"text":"It is low for where we would like to see it, but when you consider what the markets have been doing and the volatility they've been experiencing and the uncertainty that investors hold in the market at the moment, it is still good to see you were coming out with a positive return. A lot of the other Yeah.","start_word":1129,"end_word":1187,"sentiment":"neutral","sentiment_score":0.22118903696537015},{"text":"funds in the areas and industry funds have definitely been reporting negative returns over the past few months.","start_word":1188,"end_word":1205,"sentiment":"negative","sentiment_score":-0.38322731852531433},{"text":"So to go through that and still come out with a positive return, we are happy to see. But I never sugarcoat it, and I will let you know it is lower than where we would like it to be for the first year. So it's understandable. Okay? Yep. No worries.","start_word":1206,"end_word":1256,"sentiment":"neutral","sentiment_score":-0.10863905400037766},{"text":"Excellent.","start_word":1257,"end_word":1257,"sentiment":"positive","sentiment_score":0.44470930099487305},{"text":"It does say when I sort of have a look at all the investments within the super, everything is performing really well.","start_word":1258,"end_word":1279,"sentiment":"neutral","sentiment_score":0.32430964708328247},{"text":"Some of your best performers over the past twelve months have essentially been the Bank Hybrid, the defensive investments. Your physical gold is up very heavily, doing very, very well. The a 200 has been doing nicely to giving you exposure to the top 200 companies on the ASX.","start_word":1280,"end_word":1328,"sentiment":"positive","sentiment_score":0.4517875611782074},{"text":"And even given Yes.","start_word":1329,"end_word":1332,"sentiment":"neutral","sentiment_score":0.24700425565242767},{"text":"what's happening between The US there, overall, the S and P five hundred's seen a positive result as well. So it is really good to see that you've come out with a positive for the first year even though it has been a bit lower due to your market expectations.","start_word":1333,"end_word":1382,"sentiment":"positive","sentiment_score":0.4355568289756775},{"text":"Okay? Yep. Nothing in there sort of flags to me to kind of move at the moment. What I do wanna kinda do, if you're comfortable with, I'll keep watching it over the next couple of months. We might even do a bit of a three monthly catch up for you in the next few months and see where we've sort of tracked from from today up to the next three months and just sort of see how your portfolio is tracking and whether we maybe make any changes to those investments. Does that sound okay to yourself, or did you have any questions? Or Yeah. No. That that largely sounds fine. Yep. I obviously, like, I tracked the budget last night as it was sort of coming out and bits and Yeah. pieces. I'm just wondering if I Yes. if I've got anything that's sort of tied to the fence. To defend in the investments there? Yeah. Yeah. So you are in, like, the S and P 500 and the a 200 there, and you do have a bit of cybersecurity. So you would definitely be invested in defense areas. Is that somewhere that you would not like to be invested? Or Oh, no. I was just curious because I know that the well, it was sort of flagged. We knew that they were gonna be throwing a bit of money at it in the budget, and then I think it came in a little bit over what even expectations were. yeah. Yeah. Absolutely. Absolutely. And you do have cybersecurity, and cybersecurity has taken a little bit more of a hit this in the last few months, generally, since about December. So cybersecurity also factors in ways and areas of defense indirectly as well. So Yeah. And I'll definitely just keep watching it. I do sort of look at all the investments and look at what they're doing and jump in and look at everyone's portfolios here and there to sort of see what's going on in in preparation for these sorts of things. So if there is anything that we maybe need to flag, we'll definitely look at doing that for you. But, look, if there's an area of interest for you as well, please let me know. I'm more than happy to investigate it for you and see what adding to your portfolio can do. Yeah. Yeah. Yeah.","start_word":1383,"end_word":1783,"sentiment":"neutral","sentiment_score":0.03608018938368395},{"text":"Fantastic.","start_word":1784,"end_word":1784,"sentiment":"positive","sentiment_score":0.3614220321178436},{"text":"Yeah. To some degree, I just yeah. It was just one of the things that was on the back of my mind. Yeah. No. Absolutely. Yeah.","start_word":1785,"end_word":1810,"sentiment":"neutral","sentiment_score":0.10862786322832108},{"text":"Perfect.","start_word":1811,"end_word":1811,"sentiment":"positive","sentiment_score":0.41125571727752686},{"text":"So that's essentially your super.","start_word":1812,"end_word":1816,"sentiment":"neutral","sentiment_score":0.32899802923202515},{"text":"As I mentioned, you've got some port you've some portfolio reports now showing so that the different so the different time horizons that I've looked at is showing you where the portfolio is, but it's good that you are showing a positive result for the first year.","start_word":1817,"end_word":1863,"sentiment":"positive","sentiment_score":0.399948924779892},{"text":"We'll keep monitoring things. We'll keep doing catch ups with you to see where we're tracking.","start_word":1864,"end_word":1879,"sentiment":"neutral","sentiment_score":0.25307953357696533},{"text":"And with your contribution still going in, even through the downtime, you're still taking advantage and buying in and buying low. So it's really good to see that everything's still tracking, and we'll just make sure we keep tracking it and see where you are in the next three months and see if anything needs to be updated for your super.","start_word":1880,"end_word":1940,"sentiment":"positive","sentiment_score":0.4498790502548218},{"text":"Okay?","start_word":1941,"end_word":1941,"sentiment":"neutral","sentiment_score":0.26024866104125977},{"text":"Great. Thanks. Excellent.","start_word":1942,"end_word":1944,"sentiment":"positive","sentiment_score":0.6900230646133423},{"text":"No worries. Now the other thing, having a look here at your investment. So that has only just sort of come into play as of about November. For the first six months, essentially, you are down a little bit again because of what's happening with the markets in general. When I look Yeah. at the the six monthly return, net is is that it's down about 1.93%. But then when we kinda break it down and look at the last sort of, you know, three months as a whole, after sort of the March, which is when we saw the biggest and the the largest kind of volatility, the biggest downtimes. Your portfolio has come back showing it's a positive of 0.69%. So it does show that whilst you are down overall since November with your investment, you are showing it is coming back, and it it has had a bit of a recovery point there. So we just need to let it kinda go through that, keep that dollar Yes. cost averaging going. And, again, same with your investment. We'll just revisit that the next three months, have a look at what's happening. I'll keep watching everything. And if maybe there's some flags that we need to maybe make some alterations to it, we'll definitely do that for you. But the ups and downs, the way your super and your investments have been tracking is very much in line with what the markets have been doing as a whole.","start_word":1945,"end_word":2194,"sentiment":"neutral","sentiment_score":0.04501411318778992},{"text":"So it it's working really well. It's just been following the market trends.","start_word":2195,"end_word":2207,"sentiment":"positive","sentiment_score":0.45940250158309937},{"text":"So nothing in there is being flagged as, you know, being down because of anything serious, which is good. Okay. Yep.","start_word":2208,"end_word":2228,"sentiment":"neutral","sentiment_score":0.03556282818317413},{"text":"All good.","start_word":2229,"end_word":2230,"sentiment":"positive","sentiment_score":0.4580809473991394},{"text":"Cool. Did you have any questions about that at all? I never wanna sugarcoat anything. I wanna sorta make sure I'm honest with you when the markets aren't performing as well as they should be, But just making sure that you're you're able to ask questions or if you have any concerns, you're welcome to let me know there as well. Okay? Yeah. Just one question I had was Sure. in regard to Yep. fees. So I and I might be misremembering or I might be misremembering specifics, but Yeah. You're fine. I I think from memory, what what we had discussed was that fees would kick in once the balance reached $10. So let me just pull up the advice document for you to reconfirm. Because I can see that there is an ongoing service fee on the account there, but it is expected to be about $49 for the year. But let me so just go back to jog my memory as well. Wanna make sure because if there is anything, I will go back and make it reflect. Where are we? That's the superannuation one. The ongoing service fee here for this one. Yeah. It does. Sorry about that. Yes. So I can see they have put the ongoing service fee on the account there, and it was meant to be held off until the balance reached that $10,000 mark. So what I will do is I will go back and make sure that's removed there for you, and I will organize to have the the difference there refunded for you. It's only a very small amount, but I'll make sure that that is applied for you. Okay? No worries. Thanks. I just Sorry about that. yeah. No. That's okay. No. No. I do That's apologize fine. for that. I yeah. I was like, I talked it a little while ago and I went, oh, I can't remember if that was, like, something that had changed or yeah. That's No. all good. No. That's No drama. okay. That's not a problem. I'll I'll have that rectified for you. It's not an issue. I do apologize about that, Terry.","start_word":2231,"end_word":2591,"sentiment":"neutral","sentiment_score":0.03871241324372239},{"text":"All good. Easy. I'll make sure it's all sorted for you. Thank you for flagging that with me.","start_word":2592,"end_word":2609,"sentiment":"positive","sentiment_score":0.42341696057054734},{"text":"I do apologize again, but I'll make sure it's updated straight away, and I'll make sure that we contact you and let you know once that has been rectified. Okay. No stress.","start_word":2610,"end_word":2641,"sentiment":"neutral","sentiment_score":0.09084217995405196},{"text":"Excellent. Thanks. Easy. That's okay.","start_word":2642,"end_word":2646,"sentiment":"positive","sentiment_score":0.541335940361023},{"text":"No. Not a problem at all.","start_word":2647,"end_word":2652,"sentiment":"neutral","sentiment_score":0.2704804837703705},{"text":"Easy done.","start_word":2653,"end_word":2654,"sentiment":"positive","sentiment_score":0.4496229588985443},{"text":"The other thing to sorta have a a bit of a night talk about is your insurances. So we did obviously transfer your life and TPD over to hub twenty four from Yes. the Hostplus account there. With the Hub twenty four insurance, they do increase slightly with indexation there as well. So it does actually Yes. show that as it's gone through renewal for the first year, the amount of your life and TBD held within the hub twenty four account is has gone back or increased to 231,612 and 42<unk>. With the life and TBD component, you're only paying about a $150 for the year for those. They're very minor with regard to that. Are you did you wanna review the life and TPD amounts? So do you feel they're fine for the moment or No. I'm I'm fine with that. That's, fine yeah, with plenty more that? than Not would a be needed. So that's fine. Yeah. That's okay. Not a problem at all. The other thing to sort of go through is just sort of looking at your goals. So we were sort of tracking towards looking at retirement. You were sort of hoping you're round about the age of 60 mark. Are we still the tracking board towards that? I know you've got a long time to go before that we get to that age. Yeah. Yeah. I'm just about to correct the halfway point. So Yeah. You have a long time to go. All yeah. good. I mean, look, you know, ideally, I'll be able to retire sooner. But, yeah, that's probably realistic, I think. Yeah. That's okay. Well, we'll keep tracking with that investment. I know part of having the investment portfolio was to be able to, you know, look towards purchasing a home and use some of the funds towards that possibly in the future. Yes. But, you know, if you wanted to kinda keep building it long term, we could definitely look at, you know, trying to build it up and increase the contributions down the track to kinda give you some sort of access early if you would like to look at doing that down the track. Yep. Yeah.","start_word":2655,"end_word":3023,"sentiment":"neutral","sentiment_score":0.05058912157527799},{"text":"Yeah. Absolutely. Beautiful.","start_word":3024,"end_word":3026,"sentiment":"positive","sentiment_score":0.6471731662750244},{"text":"Other than that, I did have that you you were traveling last year, and you made mention you've got some travel plans this year as well. Yeah. Not not anything sort of major. Like, Yeah. I live up here, but all my family and friends and stuff are down in Victoria. So I've got a it's a year of thirtieth. So I've gotta fly back a bunch of times to Melbourne. On. Yep. This, that, and the other. My friends Yep. go baby shower next month, and the thirtieth Wow. the next month, and then my thirtieth the next month. And, you know, You've got a It's lot just one going of those on. things. Yeah. With Yeah. all the time that I don't have. Absolutely. Absolutely. No. Awkward. And we sorta had a goal there looking to try and purchase a home in the next sort of two to five years. Is that still sort of Yep. the goal on when you'd like to purchase Yeah. I mean, ideally, probably shorter time if I can, but a the markets here are an absolute nightmare. home? And, Yep. I mean, the changes that they've put in last night are something, but I don't think Yeah. they're gonna really do much for me. No. Well, the other thing is and kinda one of the things I sort of pointed out to my husband last night was we were watching the budget board, and I was like, look. At the end of the day, they also have to get this through. So this they've sort of put out the the bill on what they want to occur, but then it does have to pass Yeah. parliament and go through the segments as well. So we'll see what does and or doesn't pass. I know thinking about Yeah. some of those changes, it would affect them as well. So we'll see how many polies are actually willing to try and pass some of this legislation, but I think it'll be interesting to see how they go. But then, also, we have a whole another budget coming next year as well. So anything Yeah. could change in that time frame. Yeah. Exactly. But yeah. So I'm I'm sorta trending towards trying to get my deposit together. Yep.","start_word":3027,"end_word":3409,"sentiment":"neutral","sentiment_score":-0.014683998377103718},{"text":"I'm doing pretty well.","start_word":3410,"end_word":3413,"sentiment":"positive","sentiment_score":0.5404051542282104},{"text":"Like, I moved I moved out a couple of months back, and the rent Yep.","start_word":3414,"end_word":3428,"sentiment":"neutral","sentiment_score":0.31943178176879883},{"text":"is, like, almost exactly half, Yep. which is great. So it's allowing me to put a bit more away, Yep. which I've just got sort of I'm just basically feeding what excess I can into, like, a increased interest savings. Beautiful. Beautiful.","start_word":3429,"end_word":3470,"sentiment":"positive","sentiment_score":0.4325319230556488},{"text":"And how much do That's you have in there at the moment? there's $8 sitting in there, Okay.","start_word":3471,"end_word":3488,"sentiment":"neutral","sentiment_score":0.06256309151649475},{"text":"Perfect.","start_word":3489,"end_word":3489,"sentiment":"positive","sentiment_score":0.399914026260376},{"text":"and that's earning it, I think it's 4% per annum. Okay. Yep. I'd be interested if you have any sort of knowledge of anything that I can sort of do that's, like, relatively high stability, but, like, anything higher on on interest return. Yeah. Yeah. So, Absolutely. like, I I can don't have know. a bit of a look around. Yeah. I haven't looked much into, like, you know I I just don't really have the time or the things of late No. to That that's look much okay. into I it, but I was looking that's at, like, okay. you know, term deposits or things like that to make it grow Yep. a bit quicker. But, Yeah. yeah, it's a it's a good base to start with now between that. What I've got set aside in that concessional part of my super, I think is up around 15 now that I can draw on for that home buyer scheme or whatever it is that they've got. Yep. Yep. And then, Perfect. I mean, that's got me sort of somewhere toward the early twenties. And then with another, you know, six months to a year behind me, I should have a a decent deposit put together, hopefully. Yep. No.","start_word":3490,"end_word":3698,"sentiment":"neutral","sentiment_score":0.07836229093907553},{"text":"Beautiful. That's all good. So working really well.","start_word":3699,"end_word":3706,"sentiment":"positive","sentiment_score":0.6728777885437012},{"text":"So if you like, I can have a bit of a look around at high interest cash accounts versus 10 deposits and kind of do up a little bit of a strategy paper. Just take some time to kinda put it together for you. But I can give Yeah. you a couple Yep. of options to kind of mull over and investigate to see if any of that picks your interest and helps you with your savings a little bit. Yeah. Yeah.","start_word":3707,"end_word":3788,"sentiment":"neutral","sentiment_score":0.15520785748958588},{"text":"That'd be great. Yep. Fantastic.","start_word":3789,"end_word":3793,"sentiment":"positive","sentiment_score":0.4426559805870056},{"text":"Just trying to find ways to, you know, maximize and, you know, at at base minimum, just try and be cash rate. But, like, if I can sort of start to actually get it to compound a little, it'd be good. Yeah. It is very hard at the moment. It's been a little bit volatile in the markets, but then also with what we've had going on here, higher interest rates and the cat and, you know, money kind of isn't hitting the point we wanted to at the moment. But, yeah, hopefully, all No. of this sort of hopefully, it all kind of, you know, moves over a little bit sooner than we hope.","start_word":3794,"end_word":3908,"sentiment":"neutral","sentiment_score":-0.041379641741514206},{"text":"I mean, sentiment in the market is still quite good.","start_word":3909,"end_word":3918,"sentiment":"positive","sentiment_score":0.364496797323227},{"text":"I know with speaking to some of the economists that we've had access to, they are still expecting inflation keep increasing. I know last night, they kinda mentioned 5%. Economists have kind of also been saying roughly around about that. We would hope inflation doesn't keep going that way because it kinda does devalue money a little bit faster, but also increases interest rates and makes it much harder for people to pay their mortgages and to borrow for serviceability. But I Yeah. think we just sort of wait and see what kinda happens towards the middle of the year and then towards the end of the year, and hopefully, things sort of start to settle down a little bit. So I know they've kinda forecast that, you know, inflation will kinda pull back a little bit and hit around that 2.5% around mid next year, but I'd like it to like to see it happen a little bit faster. We're sort of hoping that the budget might, you know, to help with that, but I don't think it is going to if they're still forecasting No. a It's five not percent looking return. that way. The budget hasn't Yeah. done much at all. Yeah. I Oh, mean, all no. this stuff with negative gearing and all the rest, it's kinda like, well, it'll you know, it'll help a little bit, but at the same Yeah. time, there's all these exemptions that are just gonna, you know, like, Yes. not make Yep. that available to people coming in, but the people that are already in just sorta get to stay in. It's Absolutely. It is yeah. It it does.","start_word":3919,"end_word":4197,"sentiment":"neutral","sentiment_score":-0.07112664432935817},{"text":"It makes it a very much harder. And if if we if the property market keeps going the way it has little been, it's just gonna price everybody out of the market. No one's gonna be able to buy weird. unless you've got, you know, a really good proper deposit there, which means anyone, you know, 20 and under, as they kind of get closer to wanting to buy, it's just gonna be too hard. They're not gonna be able to save Yeah.","start_word":4198,"end_word":4280,"sentiment":"negative","sentiment_score":-0.48968252539634705},{"text":"the minimum deposit.","start_word":4281,"end_word":4283,"sentiment":"neutral","sentiment_score":-0.3305039405822754},{"text":"They're not gonna be out of for the repayments, and it's just gonna be too hard to to to buy in.","start_word":4284,"end_word":4304,"sentiment":"negative","sentiment_score":-0.43506479263305664},{"text":"So I hope it doesn't get that bad, especially as I've got a 19 to 20 year old daughter, and they're sort of wanting to save for their first time, but they're so scared.","start_word":4305,"end_word":4338,"sentiment":"neutral","sentiment_score":-0.33142533898353577},{"text":"They don't know how. They're, you know, trying to save as much as possible with every year that goes by. You know, they need a bit more money put aside, so it's it's not a it's a very difficult area for them to be in.","start_word":4339,"end_word":4383,"sentiment":"negative","sentiment_score":-0.3687131404876709},{"text":"Yeah. Yeah. It's Yeah.","start_word":4384,"end_word":4387,"sentiment":"neutral","sentiment_score":-0.11100852489471436},{"text":"grim out there.","start_word":4388,"end_word":4390,"sentiment":"negative","sentiment_score":-0.360110342502594},{"text":"Yeah. Yeah. No. All good. I can see here Michelle updated your renting. So you're paying about $3.60 at the moment including bills. Is that right? No. So that's where I was at. 3 Right. 60 a week with bills. Yep. I'm now down at $1.90 excluding. Okay.","start_word":4391,"end_word":4438,"sentiment":"neutral","sentiment_score":0.005842956248670816},{"text":"Perfect. Excellent.","start_word":4439,"end_word":4440,"sentiment":"positive","sentiment_score":0.5071579217910767},{"text":"So, yeah, I'm now paying in rent a fortnight what I used to pay a week.","start_word":4441,"end_word":4456,"sentiment":"neutral","sentiment_score":0.10740531980991364},{"text":"Okay. Beautiful. That's really good to see. So Excellent.","start_word":4457,"end_word":4465,"sentiment":"positive","sentiment_score":0.6230151653289795},{"text":"I set bills on top of that, which Yep. I was which were included before. So I haven't had a round of bills yet since moving in, but I imagine it won't be too bad Yep. because No. there's No. Definitely so not. many people that live here. Yeah. No. Absolutely. Three, And with your four, five, six of us. wow. So bills could that's why the rent's so cheap, but, like, two Yep. people live in, like, a, like, a separate tiny home in the backyard. Yeah. And so, like, we never see them. The person lives downstairs, I see, like, once a week. Like, it's Wow. it's really, like, I have two housemates, and yet we pay rent as if there's six. So Yeah.","start_word":4466,"end_word":4591,"sentiment":"neutral","sentiment_score":0.02358408272266388},{"text":"it's kinda nice.","start_word":4592,"end_word":4594,"sentiment":"positive","sentiment_score":0.44301438331604},{"text":"Wow. Yeah. And I'm sure And the I'm sure the bills will probably reflect that too. absolutely. And the note here says that you've been sort of working a lot more in Brisbane recently. So how's, like, fuel and driving and getting yourself to Brisbane? I've been trying to cut it back. Yep. And, I mean, yeah, I've been been doing work in Brisbane. Most of my friends as well, like, my friendship base is in Brisbane mostly. Yep. Yep. But I, like, when I when I go for work, I usually get to take a work car, which is Yes. good. Yep. Yep. And I just did I've done two stints in the last year now up in Manalaza in, like, the the Northern Gulf doing work stuff. So I did two separate two weeks since where they threw me up there. And while I'm up there, I'm acting in the next level, so a higher role, Yep. Yep. which is why the estimates for my income have gone up because I'm doing more overtime. I'm doing acting positions in higher roles that come at a higher pay base and things like Yep. that. So Yep. yeah. And then and I went up a a scale. So I went from 3.1 to 3.2 or whatever it is. So I think that's, Yeah. like, an extra dollar and something or dollar and a bit an hour, Yep. which, Yep. you know, is something. Absolutely. Yeah. No. Definitely. I will certainly see how things go and hopefully, yeah, a little bit less traveling. I mean, it's nice that fuel prices have gone down for us for a little bit, but once that fuel excise cuts back in, a few fuel prices are properly Yeah. gonna look up for us all again. Oh, no. It happened super quick. It does. It does. The months fly by. It's Yeah. already almost I halfway through the year. It's insane. don't know. I I said this a little while ago, and, like, for the life of me, it's it's not changed. I I got to March, and I was like, I I literally can't remember February. Like, I there's not a single thing that happened in February that I can actually go, oh, yeah. That happened in February. The month Yep. just came and went, and I I don't even know where. Like, it just Yep. I just worked for four straight weeks and and didn't didn't even yeah. I don't know. I I did a bunch of, like I was like I think there was a patch earlier in the year where I did, like, six straight weekends where I did overtime, and Yep. it's just all a blur. Yeah.","start_word":4595,"end_word":5050,"sentiment":"neutral","sentiment_score":0.02472835700762899},{"text":"Oh, It's gone.","start_word":5051,"end_word":5053,"sentiment":"negative","sentiment_score":-0.3951207399368286},{"text":"I don't know what happened it is. to February. He disappeared. I know. The whole It year was is just January, flying and I thought by. it was March. They tell me as we get older and older, it gets faster and faster, and I honestly feel like that's what's Yeah. Yeah. Maybe it's maybe that's the thing. You happening. know? Yeah. I'm, you know, another year older, like, this is what the 30 plus deal like. Yeah. Oh, wait. No. How good. That's it. That's it. That's it. No. All good. All good. Other than that, the only sort of things to double check is I've got your car. You had a value of that last year of about 20,000. Would you still keep the value the same, or do you think you might decrease that a little bit? Yeah. It might be maybe 18 now. Yep. And I think they're not only gonna I can just check on Yeah. You're right. phone with you now, actually. You see. No. That's Sorry. It's just loading. okay. I think last time I checked, it was around about 13 to go. But Yep. I don't know if that's just the amount owing or if that's full payout quote, but there's no balloon at the end of it or anything like that. Oh, there we go. There is for me to do a full payout, there is 12 and a half grand to go. Okay.","start_word":5054,"end_word":5296,"sentiment":"neutral","sentiment_score":-0.03746096417307854},{"text":"Beautiful. Beautiful. You'll have that paid off in no time.","start_word":5297,"end_word":5306,"sentiment":"positive","sentiment_score":0.628546953201294},{"text":"Yeah. So, yeah, just, what, 500 a month. So that's Yep. around about two years ago, which just about tracks because I got this in Abs May, yep. apparently, three years ago. Somehow, Yeah. Wow. And it's not gone much fast. time has passed. Absolutely. No. Yeah. All So, good. All yeah, good. two years ago on that. Yep.","start_word":5307,"end_word":5365,"sentiment":"neutral","sentiment_score":0.023636266589164737},{"text":"I think if I get to a point where I feel like I'm happy with where the positive's at and I start looking a bit more seriously at buying, Yep.","start_word":5366,"end_word":5395,"sentiment":"positive","sentiment_score":0.49376916885375977},{"text":"which I'm hoping will probably be within the next year Yes. depending on how things move. Yep. Because between yeah. Like I said, between professional contributions to Super, the savings that I now have sitting there waiting for me, and also what I've got in this investment account if I need to access that to boost it. I'm already sitting at, I think, around about 25.","start_word":5396,"end_word":5461,"sentiment":"neutral","sentiment_score":0.19793078303337097},{"text":"Okay. That's pretty good. Yeah.","start_word":5462,"end_word":5466,"sentiment":"positive","sentiment_score":0.5519139170646667},{"text":"So with, like, the benefit of another six to twelve months of paying this little in rent and hopefully, another bump in pay scale, which will come in November, I can sort of get myself through a really good position where I'll probably be trying to work out whether it's more worthwhile for me to have the higher deposit or reduce my liability in terms of the car and pay it out early. Yeah. Yeah. Absolutely. No. Definitely. Yeah.","start_word":5467,"end_word":5545,"sentiment":"neutral","sentiment_score":0.28964000940322876},{"text":"Oh, it's working working well. Fantastic.","start_word":5546,"end_word":5551,"sentiment":"positive","sentiment_score":0.5596319437026978},{"text":"And I can see with those contributions, your employer was paying those voluntary, so claiming your notice of intent, but they've changed it. So they're going in and taxes being they're going in sort of as more of a salary sacrifice kinda contribution now. So there's no need to claim that notice of intent. Oh, okay. Yeah. Cool. No. I had a I had a look at the way just after we sort of set everything up, I looked at the contributions and went, wow. They're actually they're concessional now. So they used to be non concessional, and we still have to claim that notice of intent. But they've Yep. changed them, so Great. they're all going through concessionally now. So it still works your favorite, still concessional. It's just that we don't have Gotcha. to claim that one extra step. Yeah.","start_word":5552,"end_word":5693,"sentiment":"neutral","sentiment_score":0.098507322371006},{"text":"Excellent.","start_word":5694,"end_word":5694,"sentiment":"positive","sentiment_score":0.5580414533615112},{"text":"So it's just choking up towards, yeah, being able to access it. Because I think the cap on it's, like, 50 or something like that.","start_word":5695,"end_word":5719,"sentiment":"neutral","sentiment_score":0.24369968473911283},{"text":"So I've got ages enjoying getting close to that.","start_word":5720,"end_word":5728,"sentiment":"positive","sentiment_score":0.3530978262424469},{"text":"Yeah. Yep.","start_word":5729,"end_word":5730,"sentiment":"neutral","sentiment_score":0.13756833970546722},{"text":"Yeah. Perfect. And then you get to find what you're after, go house hunting and look around.","start_word":5731,"end_word":5747,"sentiment":"positive","sentiment_score":0.4166243374347687},{"text":"Yeah.","start_word":5748,"end_word":5748,"sentiment":"neutral","sentiment_score":-0.025591708719730377},{"text":"I mean, shit. The way it is in a gold quest.","start_word":5749,"end_word":5759,"sentiment":"negative","sentiment_score":-0.39361146092414856},{"text":"I'll take what I can get at this stage. It's Yeah. yeah. It's marking.","start_word":5760,"end_word":5773,"sentiment":"neutral","sentiment_score":-0.20709387958049777},{"text":"It's awful.","start_word":5774,"end_word":5775,"sentiment":"negative","sentiment_score":-0.6419267654418945},{"text":"Yes. A bunch Yep. of my colleagues are with me as well, and they're just getting Yeah. nowhere. But Yeah. I also might end up moving back to Melbourne. I'm not sure. So Yeah. Yeah.","start_word":5776,"end_word":5810,"sentiment":"neutral","sentiment_score":-0.056926555931568146},{"text":"Absolutely.","start_word":5811,"end_word":5811,"sentiment":"positive","sentiment_score":0.33965003490448},{"text":"it's all very up in the end. And Yeah. if I go No. back to Melbourne I think I think in Melbourne, I could probably buy it and buy now. But, yeah, up here, it's like no. Down there, I was looking at apartments in, like, some of the suburbs that I'd look to live in and, yeah, like, a two bed for, like, $4.50, 500 down there. Whereas up Mhmm. here, it's 600 and you need another $100 to throw it, fixing it up. Crazy. Yeah. Wow. Wow. No. No. All good. All good. Well, that's Yeah. basically everything I need to run through. I can see your beneficiaries are all up to date.","start_word":5812,"end_word":5926,"sentiment":"neutral","sentiment_score":0.015966052189469337},{"text":"We got legal personal representatives that all goes to your will, which is what we discussed last year, which is fantastic. Yep. There's no real changes to your goals, which is good.","start_word":5927,"end_word":5958,"sentiment":"positive","sentiment_score":0.3719026744365692},{"text":"I have already messaged off to a head of advice to have that ID the investment account fixed up for you, and I've sent Yep. the annual review docs through. So feel free to have a look at them. If you're happy to stay on board, I'll get you to sign and return those back for me. That's the ongoing service agreement and the change of address form for the MyNorth, and we'll have that sent off and updated for you. And we'll do a catch up in about three months and see where the markets are going and see what's happening in that time. And I'll do a little bit of research for you just on some term deposits and high interest accounts to sort of give you an idea of what else is out there. Okay?","start_word":5959,"end_word":6096,"sentiment":"neutral","sentiment_score":0.1931449900502744},{"text":"Cool. Thank you. And you see, that's okay.","start_word":6097,"end_word":6104,"sentiment":"positive","sentiment_score":0.5375253558158875},{"text":"If there's anything else you need, please let me know, Terry.","start_word":6105,"end_word":6115,"sentiment":"neutral","sentiment_score":0.2297406792640686},{"text":"Happy to make Yep. time.","start_word":6116,"end_word":6120,"sentiment":"positive","sentiment_score":0.5356190800666809},{"text":"And I've made a little note on here as well that just when we call next time, just to check whether you wanna kinda come into the office or whether you prefer the phone to see you can kinda decide what suits you. Okay? Yep.","start_word":6121,"end_word":6165,"sentiment":"neutral","sentiment_score":0.205630362033844},{"text":"No worries. Thanks. Fantastic. That's okay. I hope you have a good relaxing afternoon. Yes. You too. Thanks, Darrie. I'll talk to you soon. Thanks for your time. Alright.","start_word":6166,"end_word":6194,"sentiment":"positive","sentiment_score":0.6302109956741333},{"text":"Bye.","start_word":6195,"end_word":6195,"sentiment":"neutral","sentiment_score":0.29740846157073975},{"text":"See you later.","start_word":6196,"end_word":6198,"sentiment":"positive","sentiment_score":0.35308364033699036},{"text":"Bye.","start_word":6199,"end_word":6199,"sentiment":"neutral","sentiment_score":0.20407810807228088}],"average":{"sentiment":"neutral","sentiment_score":0.06936917151713635}}}}