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Is now still a good time for you? Perfect. Now just just as per usual, before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And even though I can hear that, if it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please? Yes, please. Yep. Perfect. And how's how's your morning been? Have the have the day off today? Oh, no. Lovely. Good good weather for you guys. Oh, really? Yes. So it's been a bit miserable here this week. It's just been constant rain, and you just just like when it goes for a week and a bit, you're like, okay. Give me some sunshine now. Yeah. Now with your annual review, I also have that we wanted to kind of touch base on your insurances as well now because it's obviously been some time that we can reassess it. Okay. Yes. Okay. Okay. And because I know as well, I think last time we spoke, they were looking at changing some agreements and potentially, like, a bit of a pay increase and stuff. Mhmm. That didn't kind of work out as much. Right. Right. Yeah. Oh, 100%. Okay. Yeah. Yeah. Yeah. Exactly. Now have you started interview process and stuff? Have you started, like, the interview process yet? Oh, perfect. Oh, oh, good. They're like, yes. We want to. Perfect. Oh, yeah. And what what's yeah. What's the new company called? Okay. And that's also over in WA? And were you still kind of through similar roles, like the undergrad shift supervisor, or is it gonna be a little bit different? Mhmm. Yep. Yeah. Oh, nice. And what kind of income will you be on when you start that? Yep. $2.50 3. Yep. Oh, nice. And do you know if with the bonus, whether they will pay contributions on top of that? Do you know? So yeah. So often with bonuses, employers will pay contributions into super on top of it. So if you bonus yeah. No. That's okay. Most people are just like, yeah. No. Like, they don't think about it. Yeah. No. Yes. Yeah. And if I get extra, then beautiful. And it could also be so with the income as well because and they just offer, like, that standard 12% rate, I imagine, like, employer contribution wise. Yeah. Yes. Be perfect. Because that was going to be my next question because because you the income have gone up, which is fantastic, it means that you're actually now exceeding their concessional contribution cap. So most employers so if we do $2.52 at 12%, that's 30,240. Now most employer because legally, they only have to pay up to the cap, which is 30,000. Most employers do stop at 30,000. So if in your letter, it did say 30,000, I will note that they do stop at the cap. Sometimes employers do go over most of the time because they just have to pay up to 30,000, they just pay 30,000. So, unfortunately, not. Still have to pay that one. It's at least in avoiding other tax. Because if you do exceed the the cap on contributions above the cap, you'd have to pay more tax, not the reduced 15%. It will be kind of classified as your nonconcessional, so you'd have to pay your marginal tax rate on that. So that's why, usually, they kind of stop. So, unfortunately, because the the division two nine three is income as well as contribution over $2.50, you have to pay it. Because on your income alone, you will unfortunately exceed that. So it kind of sucks because, yeah, you can get great income, but you do have to pay the tax, unfortunately. Right? Now you can obviously, at the time, you can elect it to have it pay personally or through super. So when you do get the letter, just let us know what you wanna do. Yeah. Alright. Perfect. And when will you start that? Mhmm. Yeah. Yeah. And the cockropper doctor. Yeah. Mhmm. Jeez. Yeah. You're fine. Yeah. Oh, good. Yeah. Yeah. Yeah. Yeah. Didn't do anything wrong. Yeah. It's just tedious. Yeah. Good. Yeah. Yeah. Mhmm. Okay. Perfect. And with the new employer, just let us know, obviously, if you need the employer contribution form again to to hand in to them, and we can get that. The contribution form, Yeah. Would you like us to email that through you? Or when when it's ready, let us know if you do need the details? Yep. Yep. Perfect. Yes. And I was having a look at that as well because, also, do you know and it might not be yet. So, obviously, with your current employer, you do so, so, actually, what I might do is do you have access to your emails at the moment, Loretta? Perfect. If you could open your email for me, I did just send you an email at with some attachment. And while we are talking about the insurances yep. So before you click on the link where it says sign now, at the bottom of that email, can you see a couple of attachments? Yes. Yep. Yep. Yes. If you can open the super insurance summary for me. Now so this gives you a bit of a breakdown of your current super insurances. So as you can see, you do have, obviously, majority of your money in net worth, about 507,812 in there. And then you do have the plum super, so about 21,782 in there. And then you do have your insurance with Platts. So you can see, obviously, your life and PPD insurance. You have 698,162. And then you do also have a pretty decent income protection in Palms Uber as well. All of those three is about 1,797. So it is pretty affordable for what you have. And I know with your current employer, they also have that Zurich employer paid income protection. Do you know if the new employer have something similar? Do you? No? No. That's okay. When you do start and start, just it should be in there. Yeah. That would be great just so we can update it. But the good thing is that that's why we didn't wanna cancel that other income protection in Plum because if you did change employers. So if it is that they don't, you still have a pretty good income protection in Plum Super. And I did have a quick kind of quote for similar cover with other insurers to see now. It does also depend on, obviously, like, medical and stuff like that, but just looking from a a price point of view as well with other covers for looking at exactly the same amount that what you have right now. And it would be around 2,800 for the same amount of cover. Now it is pretty good. Now that cover would be tailored and underwritten, So it will provide you with a little bit more certainty, but then also the plump super, because you've had it for a lot longer, the the risk with a new cover is that when you do underwrite it, if there's any medical at all, that can be excluded. So they could put an exclusion on policy to say that something you're not covered for, whereas plum suit, because you've had it for a lot longer, there is a higher chance of not having, obviously, anything like that. So it is ultimately up to you if you do wanna reassess the covers and stuff now. With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on. Obviously, with the changes, you still have really good cover that is pretty cheap for you. So it is up to you if you're happy for to leave it for the time being. We can do that. Okay. Perfect. Now would you like me through because, obviously, you have contributions going into Plum Super, so that will continue to go up. But you can see that you do have about 21,782 in Plum. Would you like me to have a bit more research on that to see if we should put some more into network from Plum, if it's going to put you a bit more, or what are your thoughts on that? Yeah. No. That's fine. Yeah. Yeah. Yep. Yeah. Yep. Alright. Yep. Okay. Yeah. Perfect. Well, what I'll do you have to sign it, but I'm glad you trust me. But what I'll do just just to check it is always good to do. So I will do some research and see if we do need to put a little bit in. Last time when we kind of reassessed everything earlier in the year, that returns in net wealth were a lot better than plum. And and if so, we do obviously wanna have the most amount of money where it's going to give you the most. Yes. Yes. Exactly. And and with that as well, and, yeah, are you still happy, obviously, with your high growth portfolio? I know we went through all the risk profile questionnaires and everything not long ago, so I won't do that again. Perfect. And with that as well, though, if you wanna open the one where it says net worth $20.24 IRR. Can you see that one in the attachment? Yeah. So this one gives you a breakdown of your portfolio. So this is why I keep waiting for me to open. So even though, like, you kind of touched on as well, we have had, obviously, fluctuations in the market last twelve months. We've seen quite a bit of ups and down in the market, and you had everything in The US with, you know, Trump and tariffs and everything. And then we more recently with the war. So we have seen a lot of fluctuation. The good thing is as well that with your new portfolio that we changed over in the new year, it's actually done really good. So in the last twelve months, after fees, your portfolio has still gone up by 14.6%, which we're really happy with. Yeah. So, yeah, despite a bit of fluctuations, very happy with that outcome. So that's great. Yeah. I'll still do just some research quickly on the plum and see if we wanna do a bit of a quick rollover for you. Otherwise, in the email, you would have seen this a couple of times. We've gone through them. That Vanguard index chart again, just an updated version if you do wanna have a look at it. And then also the financial services guide. Again, it's the same one we went through earlier in the year. It's just there if you do wanna have another read over them. Otherwise, if you are happy to do so, if you click on the link where it says sign now, it should ask you to sign an ongoing service agreement. Yep. Yep. Yeah. Oh, yeah. It's actually I can't hear it too much because it's funny sometimes with the like, even, like, sometimes people are working from home. Like, you hear the dog snoring or barking, and it's quite funny. But I can't actually hear anything except from you. Sorry. That is good. Yes. Sorry. Just so you know is what we what you are signing, it is the the network ongoing service agreement. Just to say that you're obviously happy to stay on as a client. There is no changes whatsoever in regards to the fee. It stays exactly the same at 1.65. And just per usual, not a lock in contract at any point in time. So if you're ever not happy, not a lock in contract. But, otherwise, it just lets us service you until your next interview. Great. Yep. And this yep. Perfect. When you press validate, it should then send it to me. You'll also get a copy as well if you do wanna download them, but I always have a copy on file if you do need it. So I'll just wait for that to come through. Did you say that on the name? Okay. I'll while I wait for that to to come through as well, I do just check if there's anything else that has changed with your fact fund there, Loretta. So updated, obviously, income occupation wise. Otherwise, personal information. Has anything changed? I still have next of kin your mom. Her phone number hasn't changed. That's all the same. Yep. Perfect. Yep. We're cool. Yeah. Has any of your assets changed, or is it still I'll just kind of quickly run through what I have here, and you just let me know if you have changed. The the block of land was last night at about $6.80 with about $2.53 owing. Oh, nice. Right. About that's very good. Yeah. Nice. And especially when you do build as well, it will you know? Yes. Sorry. That was the no longer 35 owing, so that's all cleared? Yep. Perfect. Oh, perfect. Yeah. Yep. At least you got an order. No. It's still high at about 65. Is it still valued at around sixty five thousand the car? Yep. Nine. Yep. Yep. And they're yeah. And they're still valid roughly the same, like, 30 thousand for the bar and 60 ish for the horses. Perfect. And shares about a 100,000 as well. Okay. That's are you happy to leave it at a 100, or do you want me to change it through 80 5? Yep. Okay. Perfect. Otherwise, health lifestyle, has anything changed since we spoke last? Alright. Perfect. Private health insurance, do you have that? Great. Yes. Yep. At least it's good that you because you do have it, you don't have to pay the medical levy surcharge, which is nice. Yes. Exactly. At least you have to pay the the extra, but yes. Then you have to verify. Yeah. And estate planning wise, any changes or all the same? Yep. Okay. Yeah. And then do the nominations and stuff. Yep. Yep. Yeah. It is thorough, which is good, but but, yes, I see there, especially if you're going through over the house and stuff. That's fine. I'll just make a little note that you you know about it. But even from your superannuation point of view, we already have the will nominated. So when you do get a will sorted, you don't have to update anything with your super. That's all in play. Sorry. That's all good, but, otherwise, that is on the cards. Any any other changes, otherwise? Any changes to, like, your goals and what you were working towards, or is it all kinda about the same? Yeah. Yeah. Which which is not bad at times as well. I'm very much a planner, and sometimes it can stress you. So sometimes I wish I could have a bit more of that mentality that, you know, then you don't stress about it, and you work with the flow. And if things do change, you deal with the better. Yeah. Yeah. Yes. Yeah. No. Yeah. No. Yeah. No. That is yeah. Yeah. You're you're doing you're doing good. Perfect. Now it doesn't look like the document has still come through yet. So I don't know if it's Internet. Did it definitely say, like, when you clicked validate and and send, what did it say after that? Yeah. Okay. Okay. Yep. Because I'll see. If you could if you could and see because sometimes techno it's great when it works, but sometimes it can be a little bit iffy. Because usually by now, it has come through. So if you don't mind, that would be great, and see see if that comes through. Yep. I will see. And while it loads, when is a good time for me to give you a quick call just about those potential rollovers? So it should be a pretty quick one. When is yeah. Yes. I can see it's come through already. No. We have a copy on file. Yeah. So if you ever wanted, just let me know, and I can email that to you. No. That should no seventh. Let me see. May 13. No. I could do it because it's pretty quick this time. Let me see. So would May 14 work for you? Yes. Okay. No. That's okay. I could, yeah, could let me see. Okay. Because otherwise, I'd probably so was that Wednesday the thirteenth best for you? Okay. Because I could problem okay. Let me have a look. Because I probably could do if I do 11:30 my time, that's 09:30 your time. Does that work, or is that portion it? No. That's okay. Because, otherwise, it might be too early because I could otherwise do 09:00 my time, but that is 07:00 your time. Is that too early? Yeah. Perfect. And, honestly, it shouldn't take it should maybe take fifteen to fifteen minutes or so. It should be a pretty quick one. Alright. So I will book that in on Wednesday, May 13 at 7AM your time. If anything does change, you can't make it or your appointments or anything change, just let me know, and I'll see if I can shuffle a few things around for you. Yep. Perfect. Before I let you go and enjoy the rest of your afternoon, do you have any other questions for me otherwise? No. Perfect. Yeah. Wonderful. Well, I hope everything goes well with the application and you resigning and that you do get that police check soon. And, otherwise, I look forward to speaking with you on Wednesday, the thirteenth. No problem at all. You too. We speak soon. 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morning. Is this Loretta? It's Veronica. How are you? Yeah.\n\nI'm good. Thanks. I had you booked in this morning for a a bit of a catch up and two go through your interview. Is now still a good time for you? Perfect.\n\nNow just just as per usual, before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And even though I can hear that, if it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please? Yes, please. Yep.\n\nPerfect. And how's how's your morning been? Have the have the day off today? Oh, no. Lovely.\n\nGood good weather for you guys. Oh, really? Yes. So it's been a bit miserable here this week. It's just been constant rain, and you just just like when it goes for a week and a bit, you're like, okay.\n\nGive me some sunshine now. Yeah. Now with your annual review, I also have that we wanted to kind of touch base on your insurances as well now because it's obviously been some time that we can reassess it. Okay. Yes.\n\nOkay. Okay. And because I know as well, I think last time we spoke, they were looking at changing some agreements and potentially, like, a bit of a pay increase and stuff. Mhmm. That didn't kind of work out as much.\n\nRight. Right. Yeah. Oh, 100%. Okay.\n\nYeah. Yeah. Yeah. Exactly. Now have you started interview process and stuff?\n\nHave you started, like, the interview process yet? Oh, perfect. Oh, oh, good. They're like, yes. We want to.\n\nPerfect. Oh, yeah. And what what's yeah. What's the new company called? Okay.\n\nAnd that's also over in WA? And were you still kind of through similar roles, like the undergrad shift supervisor, or is it gonna be a little bit different? Mhmm. Yep. Yeah.\n\nOh, nice. And what kind of income will you be on when you start that? Yep. $2.50 3. Yep.\n\nOh, nice. And do you know if with the bonus, whether they will pay contributions on top of that? Do you know? So yeah. So often with bonuses, employers will pay contributions into super on top of it.\n\nSo if you bonus yeah. No. That's okay. Most people are just like, yeah. No.\n\nLike, they don't think about it. Yeah. No. Yes. Yeah.\n\nAnd if I get extra, then beautiful. And it could also be so with the income as well because and they just offer, like, that standard 12% rate, I imagine, like, employer contribution wise. Yeah. Yes. Be perfect.\n\nBecause that was going to be my next question because because you the income have gone up, which is fantastic, it means that you're actually now exceeding their concessional contribution cap. So most employers so if we do $2.52 at 12%, that's 30,240. Now most employer because legally, they only have to pay up to the cap, which is 30,000. Most employers do stop at 30,000. So if in your letter, it did say 30,000, I will note that they do stop at the cap.\n\nSometimes employers do go over most of the time because they just have to pay up to 30,000, they just pay 30,000. So, unfortunately, not. Still have to pay that one. It's at least in avoiding other tax. Because if you do exceed the the cap on contributions above the cap, you'd have to pay more tax, not the reduced 15%.\n\nIt will be kind of classified as your nonconcessional, so you'd have to pay your marginal tax rate on that. So that's why, usually, they kind of stop. So, unfortunately, because the the division two nine three is income as well as contribution over $2.50, you have to pay it. Because on your income alone, you will unfortunately exceed that. So it kind of sucks because, yeah, you can get great income, but you do have to pay the tax, unfortunately.\n\nRight? Now you can obviously, at the time, you can elect it to have it pay personally or through super. So when you do get the letter, just let us know what you wanna do. Yeah. Alright.\n\nPerfect. And when will you start that? Mhmm. Yeah. Yeah.\n\nAnd the cockropper doctor. Yeah. Mhmm. Jeez. Yeah.\n\nYou're fine. Yeah. Oh, good. Yeah. Yeah.\n\nYeah. Yeah. Didn't do anything wrong. Yeah. It's just tedious.\n\nYeah. Good. Yeah. Yeah. Mhmm.\n\nOkay. Perfect. And with the new employer, just let us know, obviously, if you need the employer contribution form again to to hand in to them, and we can get that. The contribution form, Yeah. Would you like us to email that through you?\n\nOr when when it's ready, let us know if you do need the details? Yep. Yep. Perfect. Yes.\n\nAnd I was having a look at that as well because, also, do you know and it might not be yet. So, obviously, with your current employer, you do so, so, actually, what I might do is do you have access to your emails at the moment, Loretta? Perfect. If you could open your email for me, I did just send you an email at with some attachment. And while we are talking about the insurances yep.\n\nSo before you click on the link where it says sign now, at the bottom of that email, can you see a couple of attachments? Yes. Yep. Yep. Yes.\n\nIf you can open the super insurance summary for me. Now so this gives you a bit of a breakdown of your current super insurances. So as you can see, you do have, obviously, majority of your money in net worth, about 507,812 in there. And then you do have the plum super, so about 21,782 in there. And then you do have your insurance with Platts.\n\nSo you can see, obviously, your life and PPD insurance. You have 698,162. And then you do also have a pretty decent income protection in Palms Uber as well. All of those three is about 1,797. So it is pretty affordable for what you have.\n\nAnd I know with your current employer, they also have that Zurich employer paid income protection. Do you know if the new employer have something similar? Do you? No? No.\n\nThat's okay. When you do start and start, just it should be in there. Yeah. That would be great just so we can update it. But the good thing is that that's why we didn't wanna cancel that other income protection in Plum because if you did change employers.\n\nSo if it is that they don't, you still have a pretty good income protection in Plum Super. And I did have a quick kind of quote for similar cover with other insurers to see now. It does also depend on, obviously, like, medical and stuff like that, but just looking from a a price point of view as well with other covers for looking at exactly the same amount that what you have right now. And it would be around 2,800 for the same amount of cover. Now it is pretty good.\n\nNow that cover would be tailored and underwritten, So it will provide you with a little bit more certainty, but then also the plump super, because you've had it for a lot longer, the the risk with a new cover is that when you do underwrite it, if there's any medical at all, that can be excluded. So they could put an exclusion on policy to say that something you're not covered for, whereas plum suit, because you've had it for a lot longer, there is a higher chance of not having, obviously, anything like that. So it is ultimately up to you if you do wanna reassess the covers and stuff now. With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on. Obviously, with the changes, you still have really good cover that is pretty cheap for you.\n\nSo it is up to you if you're happy for to leave it for the time being. We can do that. Okay. Perfect. Now would you like me through because, obviously, you have contributions going into Plum Super, so that will continue to go up.\n\nBut you can see that you do have about 21,782 in Plum. Would you like me to have a bit more research on that to see if we should put some more into network from Plum, if it's going to put you a bit more, or what are your thoughts on that? Yeah. No. That's fine.\n\nYeah. Yeah. Yep. Yeah. Yep.\n\nAlright. Yep. Okay. Yeah. Perfect.\n\nWell, what I'll do you have to sign it, but I'm glad you trust me. But what I'll do just just to check it is always good to do. So I will do some research and see if we do need to put a little bit in. Last time when we kind of reassessed everything earlier in the year, that returns in net wealth were a lot better than plum. And and if so, we do obviously wanna have the most amount of money where it's going to give you the most.\n\nYes. Yes. Exactly. And and with that as well, and, yeah, are you still happy, obviously, with your high growth portfolio? I know we went through all the risk profile questionnaires and everything not long ago, so I won't do that again.\n\nPerfect. And with that as well, though, if you wanna open the one where it says net worth $20.24 IRR. Can you see that one in the attachment? Yeah. So this one gives you a breakdown of your portfolio.\n\nSo this is why I keep waiting for me to open. So even though, like, you kind of touched on as well, we have had, obviously, fluctuations in the market last twelve months. We've seen quite a bit of ups and down in the market, and you had everything in The US with, you know, Trump and tariffs and everything. And then we more recently with the war. So we have seen a lot of fluctuation.\n\nThe good thing is as well that with your new portfolio that we changed over in the new year, it's actually done really good. So in the last twelve months, after fees, your portfolio has still gone up by 14.6%, which we're really happy with. Yeah. So, yeah, despite a bit of fluctuations, very happy with that outcome. So that's great.\n\nYeah. I'll still do just some research quickly on the plum and see if we wanna do a bit of a quick rollover for you. Otherwise, in the email, you would have seen this a couple of times. We've gone through them. That Vanguard index chart again, just an updated version if you do wanna have a look at it.\n\nAnd then also the financial services guide. Again, it's the same one we went through earlier in the year. It's just there if you do wanna have another read over them. Otherwise, if you are happy to do so, if you click on the link where it says sign now, it should ask you to sign an ongoing service agreement. Yep.\n\nYep. Yeah. Oh, yeah. It's actually I can't hear it too much because it's funny sometimes with the like, even, like, sometimes people are working from home. Like, you hear the dog snoring or barking, and it's quite funny.\n\nBut I can't actually hear anything except from you. Sorry. That is good. Yes. Sorry.\n\nJust so you know is what we what you are signing, it is the the network ongoing service agreement. Just to say that you're obviously happy to stay on as a client. There is no changes whatsoever in regards to the fee. It stays exactly the same at 1.65. And just per usual, not a lock in contract at any point in time.\n\nSo if you're ever not happy, not a lock in contract. But, otherwise, it just lets us service you until your next interview. Great. Yep. And this yep.\n\nPerfect. When you press validate, it should then send it to me. You'll also get a copy as well if you do wanna download them, but I always have a copy on file if you do need it. So I'll just wait for that to come through. Did you say that on the name?\n\nOkay. I'll while I wait for that to to come through as well, I do just check if there's anything else that has changed with your fact fund there, Loretta. So updated, obviously, income occupation wise. Otherwise, personal information. Has anything changed?\n\nI still have next of kin your mom. Her phone number hasn't changed. That's all the same. Yep. Perfect.\n\nYep. We're cool. Yeah. Has any of your assets changed, or is it still I'll just kind of quickly run through what I have here, and you just let me know if you have changed. The the block of land was last night at about $6.80 with about $2.53 owing.\n\nOh, nice. Right. About that's very good. Yeah. Nice.\n\nAnd especially when you do build as well, it will you know? Yes. Sorry. That was the no longer 35 owing, so that's all cleared? Yep.\n\nPerfect. Oh, perfect. Yeah. Yep. At least you got an order.\n\nNo. It's still high at about 65. Is it still valued at around sixty five thousand the car? Yep. Nine.\n\nYep. Yep. And they're yeah. And they're still valid roughly the same, like, 30 thousand for the bar and 60 ish for the horses. Perfect.\n\nAnd shares about a 100,000 as well. Okay. That's are you happy to leave it at a 100, or do you want me to change it through 80 5? Yep. Okay.\n\nPerfect. Otherwise, health lifestyle, has anything changed since we spoke last? Alright. Perfect. Private health insurance, do you have that?\n\nGreat. Yes. Yep. At least it's good that you because you do have it, you don't have to pay the medical levy surcharge, which is nice. Yes.\n\nExactly. At least you have to pay the the extra, but yes. Then you have to verify. Yeah. And estate planning wise, any changes or all the same?\n\nYep. Okay. Yeah. And then do the nominations and stuff. Yep.\n\nYep. Yeah. It is thorough, which is good, but but, yes, I see there, especially if you're going through over the house and stuff. That's fine. I'll just make a little note that you you know about it.\n\nBut even from your superannuation point of view, we already have the will nominated. So when you do get a will sorted, you don't have to update anything with your super. That's all in play. Sorry. That's all good, but, otherwise, that is on the cards.\n\nAny any other changes, otherwise? Any changes to, like, your goals and what you were working towards, or is it all kinda about the same? Yeah. Yeah. Which which is not bad at times as well.\n\nI'm very much a planner, and sometimes it can stress you. So sometimes I wish I could have a bit more of that mentality that, you know, then you don't stress about it, and you work with the flow. And if things do change, you deal with the better. Yeah. Yeah.\n\nYes. Yeah. No. Yeah. No.\n\nYeah. No. That is yeah. Yeah. You're you're doing you're doing good.\n\nPerfect. Now it doesn't look like the document has still come through yet. So I don't know if it's Internet. Did it definitely say, like, when you clicked validate and and send, what did it say after that? Yeah.\n\nOkay. Okay. Yep. Because I'll see. If you could if you could and see because sometimes techno it's great when it works, but sometimes it can be a little bit iffy.\n\nBecause usually by now, it has come through. So if you don't mind, that would be great, and see see if that comes through. Yep. I will see. And while it loads, when is a good time for me to give you a quick call just about those potential rollovers?\n\nSo it should be a pretty quick one. When is yeah. Yes. I can see it's come through already. No.\n\nWe have a copy on file. Yeah. So if you ever wanted, just let me know, and I can email that to you. No. That should no seventh.\n\nLet me see. May 13. No. I could do it because it's pretty quick this time. Let me see.\n\nSo would May 14 work for you? Yes. Okay. No. That's okay.\n\nI could, yeah, could let me see. Okay. Because otherwise, I'd probably so was that Wednesday the thirteenth best for you? Okay. Because I could problem okay.\n\nLet me have a look. Because I probably could do if I do 11:30 my time, that's 09:30 your time. Does that work, or is that portion it? No. That's okay.\n\nBecause, otherwise, it might be too early because I could otherwise do 09:00 my time, but that is 07:00 your time. Is that too early? Yeah. Perfect. And, honestly, it shouldn't take it should maybe take fifteen to fifteen minutes or so.\n\nIt should be a pretty quick one. Alright. So I will book that in on Wednesday, May 13 at 7AM your time. If anything does change, you can't make it or your appointments or anything change, just let me know, and I'll see if I can shuffle a few things around for you. Yep.\n\nPerfect. Before I let you go and enjoy the rest of your afternoon, do you have any other questions for me otherwise? No. Perfect. Yeah.\n\nWonderful. Well, I hope everything goes well with the application and you resigning and that you do get that police check soon. And, otherwise, I look forward to speaking with you on Wednesday, the thirteenth. No problem at all. You too.\n\nWe speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.0,"end":2.48,"sentiment":"neutral","sentiment_score":0.20271911472082138},{"text":"Is this Loretta?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.121852807700634},{"text":"It's Veronica.","start":4.72,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1544845551252365},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.1599228878815969},{"text":"Yeah.","start":8.72,"end":8.96,"sentiment":"neutral","sentiment_score":0.3067627251148224}],"sentiment":"neutral","sentiment_score":0.16968155923214825,"num_words":11,"start":2.0,"end":8.96},{"sentences":[{"text":"I'm good.","start":8.96,"end":9.679999,"sentiment":"positive","sentiment_score":0.4792787432670593},{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6204447746276855},{"text":"I had you booked in this morning for a a bit of a catch up and two go through your interview.","start":10.96,"end":15.8949995,"sentiment":"neutral","sentiment_score":0.2304774196374984},{"text":"Is now still a good time for you?","start":16.035,"end":17.654999,"sentiment":"neutral","sentiment_score":0.21378331817686558},{"text":"Perfect.","start":19.875,"end":20.375,"sentiment":"positive","sentiment_score":0.43171194195747375}],"sentiment":"neutral","sentiment_score":0.2594244412400506,"num_words":33,"start":8.96,"end":20.375},{"sentences":[{"text":"Now just just as per usual, before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.914999,"end":29.335,"sentiment":"neutral","sentiment_score":0.08654274723746559},{"text":"Perfect.","start":30.77,"end":31.27,"sentiment":"neutral","sentiment_score":0.23064744472503665},{"text":"And even though I can hear that, if it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":31.57,"end":38.47,"sentiment":"neutral","sentiment_score":0.053629468993416855},{"text":"Yes, please.","start":43.905003,"end":44.645,"sentiment":"neutral","sentiment_score":0.017322489991784096},{"text":"Yep.","start":47.665,"end":48.065002,"sentiment":"neutral","sentiment_score":0.04943793639540672}],"sentiment":"neutral","sentiment_score":0.07188101771932381,"num_words":65,"start":20.914999,"end":48.065002},{"sentences":[{"text":"Perfect.","start":48.065002,"end":48.565002,"sentiment":"neutral","sentiment_score":0.18004748225212097},{"text":"And how's how's your morning been?","start":48.945,"end":51.765,"sentiment":"neutral","sentiment_score":0.0844616989294688},{"text":"Have the have the day off today?","start":51.905,"end":53.605,"sentiment":"neutral","sentiment_score":0.12806648761034012},{"text":"Oh, no.","start":56.3,"end":56.96,"sentiment":"neutral","sentiment_score":0.07540646381676197},{"text":"Lovely.","start":59.579998,"end":60.079998,"sentiment":"positive","sentiment_score":0.3928399682044983}],"sentiment":"neutral","sentiment_score":0.12511388146701982,"num_words":17,"start":48.065002,"end":60.079998},{"sentences":[{"text":"Good good weather for you guys.","start":60.14,"end":61.76,"sentiment":"positive","sentiment_score":0.4780738155047099},{"text":"Oh, really?","start":62.3,"end":63.04,"sentiment":"neutral","sentiment_score":0.07879636064171791},{"text":"Yes.","start":67.835,"end":68.335,"sentiment":"neutral","sentiment_score":0.01987474039196968},{"text":"So it's been a bit miserable here this week.","start":68.395,"end":70.715,"sentiment":"neutral","sentiment_score":-0.04760624605437948},{"text":"It's just been constant rain, and you just just like when it goes for a week and a bit, you're like, okay.","start":70.715,"end":77.195,"sentiment":"neutral","sentiment_score":-0.015255496985363689}],"sentiment":"neutral","sentiment_score":0.05704583016340621,"num_words":40,"start":60.14,"end":77.195},{"sentences":[{"text":"Give me some sunshine now.","start":77.195,"end":78.815,"sentiment":"neutral","sentiment_score":0.0007339105010032654},{"text":"Yeah.","start":81.72,"end":82.22,"sentiment":"neutral","sentiment_score":-0.08088986575603485},{"text":"Now with your annual review, I also have that we wanted to kind of touch base on your insurances as well now because it's obviously been some time that we can reassess it.","start":83.8,"end":93.100006,"sentiment":"neutral","sentiment_score":-0.02575032977443753},{"text":"Okay.","start":98.345,"end":98.845,"sentiment":"neutral","sentiment_score":0.001861451892182231},{"text":"Yes.","start":101.145,"end":101.645,"sentiment":"neutral","sentiment_score":0.025977544486522675}],"sentiment":"neutral","sentiment_score":-0.021930297547042732,"num_words":41,"start":77.195,"end":101.645},{"sentences":[{"text":"Okay.","start":104.505,"end":105.005,"sentiment":"neutral","sentiment_score":-0.10563672333955763},{"text":"Okay.","start":111.96,"end":112.46,"sentiment":"neutral","sentiment_score":-0.08076634258031845},{"text":"And because I know as well, I think last time we spoke, they were looking at changing some agreements and potentially, like, a bit of a pay increase and stuff.","start":113.72,"end":123.905,"sentiment":"neutral","sentiment_score":-0.1046297937631607},{"text":"Mhmm.","start":124.925,"end":125.425,"sentiment":"neutral","sentiment_score":-0.03319256752729416},{"text":"That didn't kind of work out as much.","start":125.565,"end":127.665,"sentiment":"neutral","sentiment_score":-0.11835988331586123}],"sentiment":"neutral","sentiment_score":-0.1050089881187532,"num_words":41,"start":104.505,"end":127.665},{"sentences":[{"text":"Right.","start":130.125,"end":130.625,"sentiment":"neutral","sentiment_score":-0.006642885506153107},{"text":"Right.","start":133.26001,"end":133.76001,"sentiment":"neutral","sentiment_score":0.00808032974600792},{"text":"Yeah.","start":135.42,"end":135.92,"sentiment":"neutral","sentiment_score":-0.017794020473957062},{"text":"Oh, 100%.","start":137.58,"end":139.12,"sentiment":"neutral","sentiment_score":0.007681854069232941},{"text":"Okay.","start":139.58,"end":140.08,"sentiment":"neutral","sentiment_score":-0.04288423806428909}],"sentiment":"neutral","sentiment_score":-0.0073128510266542435,"num_words":6,"start":130.125,"end":140.08},{"sentences":[{"text":"Yeah.","start":145.995,"end":146.495,"sentiment":"neutral","sentiment_score":-0.18621931970119476},{"text":"Yeah.","start":152.235,"end":152.395,"sentiment":"neutral","sentiment_score":-0.02108877524733543},{"text":"Yeah.","start":152.395,"end":152.895,"sentiment":"neutral","sentiment_score":-0.005352825857698917},{"text":"Exactly.","start":153.035,"end":153.535,"sentiment":"neutral","sentiment_score":0.012621688656508924},{"text":"Now have you started interview process and stuff?","start":155.595,"end":159.535,"sentiment":"neutral","sentiment_score":0.011051330366171896}],"sentiment":"neutral","sentiment_score":-0.009302382435028752,"num_words":12,"start":145.995,"end":159.535},{"sentences":[{"text":"Have you started, like, the interview process yet?","start":161.01,"end":164.39,"sentiment":"neutral","sentiment_score":-0.0029684921028092504},{"text":"Oh, perfect.","start":166.61,"end":167.34999,"sentiment":"positive","sentiment_score":0.4141211062669754},{"text":"Oh, oh, good.","start":171.09,"end":171.89,"sentiment":"neutral","sentiment_score":0.1933243672053019},{"text":"They're like, yes.","start":171.89,"end":172.77,"sentiment":"neutral","sentiment_score":0.1247565746307373},{"text":"We want to.","start":172.77,"end":173.75,"sentiment":"neutral","sentiment_score":0.14716605842113495}],"sentiment":"neutral","sentiment_score":0.11580185665699996,"num_words":19,"start":161.01,"end":173.75},{"sentences":[{"text":"Perfect.","start":174.45,"end":174.95,"sentiment":"positive","sentiment_score":0.439785361289978},{"text":"Oh, yeah.","start":180.04501,"end":182.225,"sentiment":"neutral","sentiment_score":0.3008856400847435},{"text":"And what what's yeah.","start":183.32501,"end":185.80501,"sentiment":"neutral","sentiment_score":0.1097418712452054},{"text":"What's the new company called?","start":185.80501,"end":187.425,"sentiment":"neutral","sentiment_score":0.02080676704645157},{"text":"Okay.","start":190.62001,"end":191.1,"sentiment":"neutral","sentiment_score":0.027719171717762947}],"sentiment":"neutral","sentiment_score":0.12402131795310058,"num_words":13,"start":174.45,"end":191.1},{"sentences":[{"text":"And that's also over in WA?","start":191.1,"end":199.82,"sentiment":"neutral","sentiment_score":0.01569564004118244},{"text":"And were you still kind of through similar roles, like the undergrad shift supervisor, or is it gonna be a little bit different?","start":199.82,"end":208.295,"sentiment":"neutral","sentiment_score":-0.00647337345973305},{"text":"Mhmm.","start":211.39499,"end":211.89499,"sentiment":"neutral","sentiment_score":-0.011747831478714945},{"text":"Yep.","start":222.69,"end":223.19,"sentiment":"neutral","sentiment_score":0.31675148010253906},{"text":"Yeah.","start":223.73,"end":224.23,"sentiment":"positive","sentiment_score":0.42799806594848633}],"sentiment":"neutral","sentiment_score":0.02119649891392328,"num_words":32,"start":191.1,"end":224.23},{"sentences":[{"text":"Oh, nice.","start":226.065,"end":226.705,"sentiment":"positive","sentiment_score":0.4295200705528259},{"text":"And what kind of income will you be on when you start that?","start":226.705,"end":232.005,"sentiment":"neutral","sentiment_score":0.10792077533327617},{"text":"Yep.","start":236.145,"end":236.645,"sentiment":"neutral","sentiment_score":0.12050654739141464},{"text":"$2.50 3.","start":236.705,"end":237.845,"sentiment":"neutral","sentiment_score":0.13714775443077087},{"text":"Yep.","start":241.12,"end":241.62,"sentiment":"neutral","sentiment_score":0.1829996109008789}],"sentiment":"neutral","sentiment_score":0.14946378355747775,"num_words":19,"start":226.065,"end":241.62},{"sentences":[{"text":"Oh, nice.","start":246.64,"end":247.22,"sentiment":"positive","sentiment_score":0.3572702258825302},{"text":"And do you know if with the bonus, whether they will pay contributions on top of that?","start":247.6,"end":256.005,"sentiment":"neutral","sentiment_score":0.04532154813847121},{"text":"Do you know?","start":256.705,"end":257.445,"sentiment":"neutral","sentiment_score":-0.009003423775235811},{"text":"So yeah.","start":260.065,"end":261.025,"sentiment":"neutral","sentiment_score":-0.019966348074376583},{"text":"So often with bonuses, employers will pay contributions into super on top of it.","start":261.025,"end":267.03998,"sentiment":"neutral","sentiment_score":0.0040378063651067865}],"sentiment":"neutral","sentiment_score":0.03880508136200277,"num_words":38,"start":246.64,"end":267.03998},{"sentences":[{"text":"So if you bonus yeah.","start":267.03998,"end":269.37997,"sentiment":"neutral","sentiment_score":-0.013293091580271721},{"text":"No.","start":270.31998,"end":270.72,"sentiment":"neutral","sentiment_score":-0.10060349106788637},{"text":"That's okay.","start":270.72,"end":271.62,"sentiment":"neutral","sentiment_score":-0.0564581211656332},{"text":"Most people are just like, yeah.","start":280.315,"end":281.595,"sentiment":"neutral","sentiment_score":-0.07179197669029236},{"text":"No.","start":281.595,"end":281.995,"sentiment":"neutral","sentiment_score":-0.13285277783870697}],"sentiment":"neutral","sentiment_score":-0.05623932195206483,"num_words":15,"start":267.03998,"end":281.995},{"sentences":[{"text":"Like, they don't think about it.","start":281.995,"end":284.255,"sentiment":"neutral","sentiment_score":-0.07606626239915688},{"text":"Yeah.","start":284.79498,"end":285.29498,"sentiment":"neutral","sentiment_score":-0.0025672446936368942},{"text":"No.","start":285.91498,"end":286.41498,"sentiment":"neutral","sentiment_score":-0.15048465132713318},{"text":"Yes.","start":293.22,"end":293.53998,"sentiment":"neutral","sentiment_score":0.014879845082759855},{"text":"Yeah.","start":293.53998,"end":294.03998,"sentiment":"neutral","sentiment_score":0.06739958375692368}],"sentiment":"neutral","sentiment_score":-0.05271700415760279,"num_words":10,"start":281.995,"end":294.03998},{"sentences":[{"text":"And if I get extra, then beautiful.","start":294.9,"end":297.4,"sentiment":"neutral","sentiment_score":0.22904948464461736},{"text":"And it could also be so with the income as well because and they just offer, like, that standard 12% rate, I imagine, like, employer contribution wise.","start":299.46,"end":310.875,"sentiment":"neutral","sentiment_score":0.11081966688787495},{"text":"Yeah.","start":310.875,"end":311.375,"sentiment":"neutral","sentiment_score":0.031660810112953186},{"text":"Yes.","start":313.755,"end":314.255,"sentiment":"neutral","sentiment_score":0.17454808950424194},{"text":"Be perfect.","start":314.315,"end":315.355,"sentiment":"neutral","sentiment_score":0.1996474638581276}],"sentiment":"neutral","sentiment_score":0.13686792699522093,"num_words":38,"start":294.9,"end":315.355},{"sentences":[{"text":"Because that was going to be my next question because because you the income have gone up, which is fantastic, it means that you're actually now exceeding their concessional contribution cap.","start":315.355,"end":325.65,"sentiment":"positive","sentiment_score":0.3898702482542684},{"text":"So most employers so if we do $2.52 at 12%, that's 30,240.","start":326.03,"end":333.97498,"sentiment":"neutral","sentiment_score":0.0789997261017561},{"text":"Now most employer because legally, they only have to pay up to the cap, which is 30,000.","start":334.51498,"end":338.775,"sentiment":"neutral","sentiment_score":0.03253455186153159},{"text":"Most employers do stop at 30,000.","start":339.07498,"end":341.07498,"sentiment":"neutral","sentiment_score":0.014002368164559206},{"text":"So if in your letter, it did say 30,000, I will note that they do stop at the cap.","start":341.07498,"end":348.79,"sentiment":"neutral","sentiment_score":0.007823872821111428}],"sentiment":"neutral","sentiment_score":0.1625850539216224,"num_words":85,"start":315.355,"end":348.79},{"sentences":[{"text":"Sometimes employers do go over most of the time because they just have to pay up to 30,000, they just pay 30,000.","start":349.25,"end":354.71002,"sentiment":"neutral","sentiment_score":0.0725955047052015},{"text":"So, unfortunately, not.","start":356.61002,"end":361.125,"sentiment":"neutral","sentiment_score":-0.16026262318094572},{"text":"Still have to pay that one.","start":361.26498,"end":363.585,"sentiment":"neutral","sentiment_score":-0.20635985086361566},{"text":"It's at least in avoiding other tax.","start":363.585,"end":365.905,"sentiment":"neutral","sentiment_score":-0.17824627459049225},{"text":"Because if you do exceed the the cap on contributions above the cap, you'd have to pay more tax, not the reduced 15%.","start":365.905,"end":374.53998,"sentiment":"neutral","sentiment_score":-0.11487751745659372}],"sentiment":"neutral","sentiment_score":-0.0657664376204131,"num_words":61,"start":349.25,"end":374.53998},{"sentences":[{"text":"It will be kind of classified as your nonconcessional, so you'd have to pay your marginal tax rate on that.","start":374.53998,"end":379.91998,"sentiment":"neutral","sentiment_score":-0.09427131526172161},{"text":"So that's why, usually, they kind of stop.","start":380.13998,"end":383.68,"sentiment":"neutral","sentiment_score":-0.11538650374859571},{"text":"So, unfortunately, because the the division two nine three is income as well as contribution over $2.50, you have to pay it.","start":383.74,"end":394.91498,"sentiment":"neutral","sentiment_score":-0.33150868117809296},{"text":"Because on your income alone, you will unfortunately exceed that.","start":395.29498,"end":400.45,"sentiment":"negative","sentiment_score":-0.40513702630996706},{"text":"So it kind of sucks because, yeah, you can get great income, but you do have to pay the tax, unfortunately.","start":400.45,"end":407.19,"sentiment":"neutral","sentiment_score":-0.26929479216535884}],"sentiment":"neutral","sentiment_score":-0.24454654592238825,"num_words":81,"start":374.53998,"end":407.19},{"sentences":[{"text":"Right?","start":408.37,"end":408.85,"sentiment":"neutral","sentiment_score":-0.07423840463161469},{"text":"Now you can obviously, at the time, you can elect it to have it pay personally or through super.","start":408.85,"end":413.99002,"sentiment":"neutral","sentiment_score":0.04575074748381188},{"text":"So when you do get the letter, just let us know what you wanna do.","start":414.245,"end":419.625,"sentiment":"neutral","sentiment_score":0.06144216159979502},{"text":"Yeah.","start":422.64502,"end":423.125,"sentiment":"neutral","sentiment_score":0.16519306600093842},{"text":"Alright.","start":423.125,"end":423.625,"sentiment":"neutral","sentiment_score":0.2781962752342224}],"sentiment":"neutral","sentiment_score":0.058379663859267496,"num_words":37,"start":408.37,"end":423.625},{"sentences":[{"text":"Perfect.","start":423.685,"end":424.185,"sentiment":"positive","sentiment_score":0.47720497846603394},{"text":"And when will you start that?","start":424.245,"end":426.505,"sentiment":"neutral","sentiment_score":0.07386438300212224},{"text":"Mhmm.","start":434.3,"end":434.8,"sentiment":"neutral","sentiment_score":-0.124156653881073},{"text":"Yeah.","start":449.915,"end":450.415,"sentiment":"neutral","sentiment_score":-0.058010537177324295},{"text":"Yeah.","start":459.21,"end":459.71,"sentiment":"neutral","sentiment_score":-0.11043863743543623}],"sentiment":"neutral","sentiment_score":0.06277854479849339,"num_words":10,"start":423.685,"end":459.71},{"sentences":[{"text":"And the cockropper doctor.","start":459.85,"end":461.31,"sentiment":"neutral","sentiment_score":-0.13369470089673996},{"text":"Yeah.","start":463.13,"end":463.63,"sentiment":"neutral","sentiment_score":-0.04366777092218399},{"text":"Mhmm.","start":464.715,"end":465.215,"sentiment":"neutral","sentiment_score":-0.15104059875011444},{"text":"Jeez.","start":466.315,"end":466.815,"sentiment":"neutral","sentiment_score":-0.28788840770721436},{"text":"Yeah.","start":469.035,"end":469.535,"sentiment":"neutral","sentiment_score":0.03279392793774605}],"sentiment":"neutral","sentiment_score":-0.12307270662859082,"num_words":8,"start":459.85,"end":469.535},{"sentences":[{"text":"You're fine.","start":469.595,"end":470.335,"sentiment":"neutral","sentiment_score":0.16602389514446259},{"text":"Yeah.","start":471.355,"end":471.855,"sentiment":"neutral","sentiment_score":0.04292133450508118},{"text":"Oh, good.","start":475.595,"end":476.255,"sentiment":"neutral","sentiment_score":0.062208207324147224},{"text":"Yeah.","start":479.22,"end":479.72,"sentiment":"neutral","sentiment_score":-0.020873207598924637},{"text":"Yeah.","start":480.34,"end":480.84,"sentiment":"neutral","sentiment_score":-0.013286251574754717}],"sentiment":"neutral","sentiment_score":0.06646086860980306,"num_words":7,"start":469.595,"end":480.84},{"sentences":[{"text":"Yeah.","start":481.06,"end":481.56,"sentiment":"neutral","sentiment_score":0.012803593650460243},{"text":"Yeah.","start":489.62,"end":490.095,"sentiment":"neutral","sentiment_score":-0.0607973150908947},{"text":"Didn't do anything wrong.","start":490.975,"end":492.255,"sentiment":"neutral","sentiment_score":-0.25297287106513977},{"text":"Yeah.","start":492.255,"end":492.415,"sentiment":"neutral","sentiment_score":-0.11805658042430878},{"text":"It's just tedious.","start":492.415,"end":493.795,"sentiment":"neutral","sentiment_score":-0.17163828015327454}],"sentiment":"neutral","sentiment_score":-0.16928566265851258,"num_words":10,"start":481.06,"end":493.795},{"sentences":[{"text":"Yeah.","start":494.335,"end":494.835,"sentiment":"neutral","sentiment_score":-0.051371049135923386},{"text":"Good.","start":504.42,"end":504.82,"sentiment":"neutral","sentiment_score":0.21874311566352844},{"text":"Yeah.","start":504.82,"end":505.32,"sentiment":"neutral","sentiment_score":0.19639423489570615},{"text":"Yeah.","start":507.94,"end":508.44,"sentiment":"neutral","sentiment_score":0.11906979978084564},{"text":"Mhmm.","start":516.835,"end":517.335,"sentiment":"neutral","sentiment_score":0.013536069542169573}],"sentiment":"neutral","sentiment_score":0.09927443414926529,"num_words":5,"start":494.335,"end":517.335},{"sentences":[{"text":"Okay.","start":520.835,"end":521.335,"sentiment":"neutral","sentiment_score":0.20238396525382996},{"text":"Perfect.","start":521.47504,"end":521.97504,"sentiment":"positive","sentiment_score":0.5032328963279724},{"text":"And with the new employer, just let us know, obviously, if you need the employer contribution form again to to hand in to them, and we can get that.","start":523.235,"end":536.27,"sentiment":"neutral","sentiment_score":0.09656374400545811},{"text":"The contribution form, Yeah.","start":538.73004,"end":543.065,"sentiment":"neutral","sentiment_score":0.005827805958688259},{"text":"Would you like us to email that through you?","start":543.065,"end":545.545,"sentiment":"neutral","sentiment_score":0.02417217639999257}],"sentiment":"neutral","sentiment_score":0.0851551420266994,"num_words":44,"start":520.835,"end":545.545},{"sentences":[{"text":"Or when when it's ready, let us know if you do need the details?","start":545.545,"end":549.08496,"sentiment":"neutral","sentiment_score":0.03299557005188295},{"text":"Yep.","start":551.545,"end":552.045,"sentiment":"neutral","sentiment_score":0.10648077726364136},{"text":"Yep.","start":552.82495,"end":553.305,"sentiment":"neutral","sentiment_score":0.1717459261417389},{"text":"Perfect.","start":553.305,"end":553.805,"sentiment":"positive","sentiment_score":0.6163914203643799},{"text":"Yes.","start":556.52,"end":556.92,"sentiment":"neutral","sentiment_score":0.13827776908874512}],"sentiment":"neutral","sentiment_score":0.08304632631027037,"num_words":18,"start":545.545,"end":556.92},{"sentences":[{"text":"And I was having a look at that as well because, also, do you know and it might not be yet.","start":556.92,"end":562.12,"sentiment":"neutral","sentiment_score":0.02173995217751889},{"text":"So, obviously, with your current employer, you do so, so, actually, what I might do is do you have access to your emails at the moment, Loretta?","start":562.12,"end":571.265,"sentiment":"neutral","sentiment_score":0.024143315575740957},{"text":"Perfect.","start":572.685,"end":573.185,"sentiment":"neutral","sentiment_score":0.2495931088924408},{"text":"If you could open your email for me, I did just send you an email at with some attachment.","start":573.245,"end":579.905,"sentiment":"neutral","sentiment_score":0.07362526910085428},{"text":"And while we are talking about the insurances yep.","start":582.38,"end":589.10004,"sentiment":"neutral","sentiment_score":0.007034772644854254}],"sentiment":"neutral","sentiment_score":0.03662590508941899,"num_words":77,"start":556.92,"end":589.10004},{"sentences":[{"text":"So before you click on the link where it says sign now, at the bottom of that email, can you see a couple of attachments?","start":589.10004,"end":595.36,"sentiment":"neutral","sentiment_score":0.009999320153146982},{"text":"Yes.","start":597.655,"end":598.155,"sentiment":"neutral","sentiment_score":-0.1229177713394165},{"text":"Yep.","start":599.255,"end":599.755,"sentiment":"neutral","sentiment_score":-0.03834494203329086},{"text":"Yep.","start":600.135,"end":600.635,"sentiment":"neutral","sentiment_score":0.029908373951911926},{"text":"Yes.","start":601.255,"end":601.575,"sentiment":"neutral","sentiment_score":0.05034400522708893}],"sentiment":"neutral","sentiment_score":0.005826643780516139,"num_words":29,"start":589.10004,"end":601.575},{"sentences":[{"text":"If you can open the super insurance summary for me.","start":601.575,"end":604.315,"sentiment":"neutral","sentiment_score":0.04578789472579956},{"text":"Now so this gives you a bit of a breakdown of your current super insurances.","start":607.255,"end":610.715,"sentiment":"neutral","sentiment_score":0.06182250479857127},{"text":"So as you can see, you do have, obviously, majority of your money in net worth, about 507,812 in there.","start":611.12,"end":618.82,"sentiment":"neutral","sentiment_score":0.07215094808489084},{"text":"And then you do have the plum super, so about 21,782 in there.","start":618.95996,"end":624.465,"sentiment":"neutral","sentiment_score":0.08818330157261628},{"text":"And then you do have your insurance with Platts.","start":624.945,"end":629.265,"sentiment":"neutral","sentiment_score":0.12027767714526919}],"sentiment":"neutral","sentiment_score":0.07547936560725098,"num_words":67,"start":601.575,"end":629.265},{"sentences":[{"text":"So you can see, obviously, your life and PPD insurance.","start":629.265,"end":633.205,"sentiment":"neutral","sentiment_score":0.1501118943095207},{"text":"You have 698,162.","start":633.505,"end":637.05,"sentiment":"neutral","sentiment_score":0.14416963358720145},{"text":"And then you do also have a pretty decent income protection in Palms Uber as well.","start":637.20996,"end":642.02997,"sentiment":"neutral","sentiment_score":0.17557701282203197},{"text":"All of those three is about 1,797.","start":644.81,"end":649.47,"sentiment":"positive","sentiment_score":0.40442298139844624},{"text":"So it is pretty affordable for what you have.","start":650.125,"end":653.425,"sentiment":"positive","sentiment_score":0.4184152450826433}],"sentiment":"neutral","sentiment_score":0.251990180545383,"num_words":45,"start":629.265,"end":653.425},{"sentences":[{"text":"And I know with your current employer, they also have that Zurich employer paid income protection.","start":654.52496,"end":659.82495,"sentiment":"neutral","sentiment_score":0.060999256325885653},{"text":"Do you know if the new employer have something similar?","start":660.365,"end":664.14496,"sentiment":"neutral","sentiment_score":0.023162741959095002},{"text":"Do you?","start":666.26,"end":666.92,"sentiment":"neutral","sentiment_score":-0.02940507046878338},{"text":"No?","start":669.06,"end":669.56,"sentiment":"neutral","sentiment_score":-0.1277955174446106},{"text":"No.","start":670.74,"end":671.06,"sentiment":"neutral","sentiment_score":-0.16421149671077728}],"sentiment":"neutral","sentiment_score":0.02855994552373886,"num_words":30,"start":654.52496,"end":671.06},{"sentences":[{"text":"That's okay.","start":671.06,"end":671.88,"sentiment":"neutral","sentiment_score":0.10215602442622185},{"text":"When you do start and start, just it should be in there.","start":671.94,"end":676.36,"sentiment":"neutral","sentiment_score":0.15191963811715445},{"text":"Yeah.","start":676.91504,"end":677.155,"sentiment":"neutral","sentiment_score":0.3251100778579712},{"text":"That would be great just so we can update it.","start":677.155,"end":680.275,"sentiment":"positive","sentiment_score":0.590554130077362},{"text":"But the good thing is that that's why we didn't wanna cancel that other income protection in Plum because if you did change employers.","start":680.275,"end":687.41504,"sentiment":"neutral","sentiment_score":0.2978440498312314}],"sentiment":"neutral","sentiment_score":0.31441339348651925,"num_words":49,"start":671.06,"end":687.41504},{"sentences":[{"text":"So if it is that they don't, you still have a pretty good income protection in Plum Super.","start":688.35504,"end":693.57,"sentiment":"positive","sentiment_score":0.463753342628479},{"text":"And I did have a quick kind of quote for similar cover with other insurers to see now.","start":695.31,"end":703.55,"sentiment":"neutral","sentiment_score":0.20730759327610335},{"text":"It does also depend on, obviously, like, medical and stuff like that, but just looking from a a price point of view as well with other covers for looking at exactly the same amount that what you have right now.","start":703.55,"end":716.135,"sentiment":"neutral","sentiment_score":0.12955606682226062},{"text":"And it would be around 2,800 for the same amount of cover.","start":716.96,"end":722.26,"sentiment":"neutral","sentiment_score":0.1349654191484054},{"text":"Now it is pretty good.","start":723.04004,"end":726.4,"sentiment":"positive","sentiment_score":0.5760858923196792}],"sentiment":"neutral","sentiment_score":0.23399305387690503,"num_words":93,"start":688.35504,"end":726.4},{"sentences":[{"text":"Now that cover would be tailored and underwritten, So it will provide you with a little bit more certainty, but then also the plump super, because you've had it for a lot longer, the the risk with a new cover is that when you do underwrite it, if there's any medical at all, that can be excluded.","start":726.4,"end":746.61,"sentiment":"neutral","sentiment_score":0.05643950474628231},{"text":"So they could put an exclusion on policy to say that something you're not covered for, whereas plum suit, because you've had it for a lot longer, there is a higher chance of not having, obviously, anything like that.","start":747.15,"end":759.115,"sentiment":"neutral","sentiment_score":-0.1766905501866952},{"text":"So it is ultimately up to you if you do wanna reassess the covers and stuff now.","start":759.115,"end":764.815,"sentiment":"neutral","sentiment_score":0.0014001635067603167},{"text":"With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on.","start":765.51495,"end":773.93,"sentiment":"neutral","sentiment_score":0.14112265379383013},{"text":"Obviously, with the changes, you still have really good cover that is pretty cheap for you.","start":773.93,"end":778.51,"sentiment":"positive","sentiment_score":0.468617657199502}],"sentiment":"neutral","sentiment_score":0.04849673939808723,"num_words":155,"start":726.4,"end":778.51},{"sentences":[{"text":"So it is up to you if you're happy for to leave it for the time being.","start":779.21,"end":783.14996,"sentiment":"positive","sentiment_score":0.3409242016427657},{"text":"We can do that.","start":784.895,"end":786.11505,"sentiment":"positive","sentiment_score":0.4433969557285309},{"text":"Okay.","start":786.17505,"end":786.67505,"sentiment":"positive","sentiment_score":0.36833521723747253},{"text":"Perfect.","start":786.73505,"end":787.23505,"sentiment":"neutral","sentiment_score":0.04811334237456322},{"text":"Now would you like me through because, obviously, you have contributions going into Plum Super, so that will continue to go up.","start":788.655,"end":796.35504,"sentiment":"neutral","sentiment_score":0.10966526564549316}],"sentiment":"neutral","sentiment_score":0.23107519232564502,"num_words":45,"start":779.21,"end":796.35504},{"sentences":[{"text":"But you can see that you do have about 21,782 in Plum.","start":796.54,"end":801.2,"sentiment":"neutral","sentiment_score":0.08444065352280934},{"text":"Would you like me to have a bit more research on that to see if we should put some more into network from Plum, if it's going to put you a bit more, or what are your thoughts on that?","start":801.9,"end":815.08496,"sentiment":"neutral","sentiment_score":0.11682009084615856},{"text":"Yeah.","start":820.105,"end":820.605,"sentiment":"neutral","sentiment_score":-0.023688659071922306},{"text":"No.","start":822.02496,"end":822.345,"sentiment":"neutral","sentiment_score":-0.07504720985889435},{"text":"That's fine.","start":822.345,"end":823.245,"sentiment":"neutral","sentiment_score":0.0038389917463064194}],"sentiment":"neutral","sentiment_score":0.09991131411931876,"num_words":56,"start":796.54,"end":823.245},{"sentences":[{"text":"Yeah.","start":826.39,"end":826.79,"sentiment":"neutral","sentiment_score":0.02548600360751152},{"text":"Yeah.","start":826.79,"end":827.29,"sentiment":"neutral","sentiment_score":0.03203076869249344},{"text":"Yep.","start":828.23,"end":828.73,"sentiment":"neutral","sentiment_score":0.019890468567609787},{"text":"Yeah.","start":830.14996,"end":830.64996,"sentiment":"neutral","sentiment_score":0.04380052536725998},{"text":"Yep.","start":831.67,"end":832.07,"sentiment":"neutral","sentiment_score":0.05582196265459061}],"sentiment":"neutral","sentiment_score":0.035405945777893064,"num_words":5,"start":826.39,"end":832.07},{"sentences":[{"text":"Alright.","start":832.07,"end":832.57,"sentiment":"neutral","sentiment_score":0.08793798089027405},{"text":"Yep.","start":835.35,"end":835.67,"sentiment":"neutral","sentiment_score":0.1500743329524994},{"text":"Okay.","start":835.67,"end":836.17,"sentiment":"neutral","sentiment_score":0.10959374904632568},{"text":"Yeah.","start":836.47,"end":836.95,"sentiment":"neutral","sentiment_score":0.22022667527198792},{"text":"Perfect.","start":836.95,"end":837.45,"sentiment":"positive","sentiment_score":0.48619556427001953}],"sentiment":"neutral","sentiment_score":0.21080566048622132,"num_words":5,"start":832.07,"end":837.45},{"sentences":[{"text":"Well, what I'll do you have to sign it, but I'm glad you trust me.","start":837.58997,"end":842.96497,"sentiment":"neutral","sentiment_score":0.28914909015099205},{"text":"But what I'll do just just to check it is always good to do.","start":843.90497,"end":847.105,"sentiment":"neutral","sentiment_score":0.1970015817454883},{"text":"So I will do some research and see if we do need to put a little bit in.","start":847.105,"end":851.52,"sentiment":"neutral","sentiment_score":0.10757810146444374},{"text":"Last time when we kind of reassessed everything earlier in the year, that returns in net wealth were a lot better than plum.","start":851.76,"end":858.72003,"sentiment":"neutral","sentiment_score":0.11227987188359966},{"text":"And and if so, we do obviously wanna have the most amount of money where it's going to give you the most.","start":858.72003,"end":864.34,"sentiment":"neutral","sentiment_score":0.25531678104942496}],"sentiment":"neutral","sentiment_score":0.1872942452116505,"num_words":92,"start":837.58997,"end":864.34},{"sentences":[{"text":"Yes.","start":875.44495,"end":875.76495,"sentiment":"neutral","sentiment_score":0.09416058659553528},{"text":"Yes.","start":875.76495,"end":876.26495,"sentiment":"neutral","sentiment_score":0.12185128033161163},{"text":"Exactly.","start":876.40497,"end":876.90497,"sentiment":"neutral","sentiment_score":0.18664541840553284},{"text":"And and with that as well, and, yeah, are you still happy, obviously, with your high growth portfolio?","start":877.285,"end":882.89,"sentiment":"neutral","sentiment_score":0.20757962473564678},{"text":"I know we went through all the risk profile questionnaires and everything not long ago, so I won't do that again.","start":882.89,"end":887.77,"sentiment":"neutral","sentiment_score":0.0034879567101597786}],"sentiment":"neutral","sentiment_score":0.10029375289256375,"num_words":42,"start":875.44495,"end":887.77},{"sentences":[{"text":"Perfect.","start":887.77,"end":888.27,"sentiment":"neutral","sentiment_score":0.16233211755752563},{"text":"And with that as well, though, if you wanna open the one where it says net worth $20.24 IRR.","start":888.89,"end":897.515,"sentiment":"neutral","sentiment_score":0.018072942369862607},{"text":"Can you see that one in the attachment?","start":897.655,"end":900.635,"sentiment":"neutral","sentiment_score":0.012618658831343055},{"text":"Yeah.","start":900.935,"end":901.435,"sentiment":"neutral","sentiment_score":0.024093743413686752},{"text":"So this one gives you a breakdown of your portfolio.","start":901.575,"end":905.275,"sentiment":"neutral","sentiment_score":0.03608908895403147}],"sentiment":"neutral","sentiment_score":0.025426972466401566,"num_words":39,"start":887.77,"end":905.275},{"sentences":[{"text":"So this is why I keep waiting for me to open.","start":905.495,"end":908.8,"sentiment":"neutral","sentiment_score":0.021269096400250088},{"text":"So even though, like, you kind of touched on as well, we have had, obviously, fluctuations in the market last twelve months.","start":910.7,"end":919.005,"sentiment":"neutral","sentiment_score":-0.00795224778862162},{"text":"We've seen quite a bit of ups and down in the market, and you had everything in The US with, you know, Trump and tariffs and everything.","start":919.805,"end":926.305,"sentiment":"neutral","sentiment_score":-0.030079492540271195},{"text":"And then we more recently with the war.","start":927.245,"end":929.805,"sentiment":"neutral","sentiment_score":0.03369577298872173},{"text":"So we have seen a lot of fluctuation.","start":929.805,"end":931.745,"sentiment":"neutral","sentiment_score":0.03967904578894377}],"sentiment":"neutral","sentiment_score":-0.0021860149909595124,"num_words":76,"start":905.495,"end":931.745},{"sentences":[{"text":"The good thing is as well that with your new portfolio that we changed over in the new year, it's actually done really good.","start":932.87,"end":940.71,"sentiment":"positive","sentiment_score":0.5991280935704708},{"text":"So in the last twelve months, after fees, your portfolio has still gone up by 14.6%, which we're really happy with.","start":940.71,"end":949.90497,"sentiment":"positive","sentiment_score":0.42806529927821385},{"text":"Yeah.","start":949.96497,"end":950.46497,"sentiment":"positive","sentiment_score":0.4660825729370117},{"text":"So, yeah, despite a bit of fluctuations, very happy with that outcome.","start":951.08496,"end":955.565,"sentiment":"positive","sentiment_score":0.5170122558871905},{"text":"So that's great.","start":955.565,"end":956.46497,"sentiment":"positive","sentiment_score":0.6940295696258545}],"sentiment":"positive","sentiment_score":0.5265698997212238,"num_words":61,"start":932.87,"end":956.46497},{"sentences":[{"text":"Yeah.","start":958.605,"end":959.08496,"sentiment":"neutral","sentiment_score":0.1657329499721527},{"text":"I'll still do just some research quickly on the plum and see if we wanna do a bit of a quick rollover for you.","start":959.08496,"end":965.34,"sentiment":"neutral","sentiment_score":0.10919076375042398},{"text":"Otherwise, in the email, you would have seen this a couple of times.","start":967.56,"end":970.76,"sentiment":"neutral","sentiment_score":0.032483477861835405},{"text":"We've gone through them.","start":970.76,"end":971.64,"sentiment":"neutral","sentiment_score":0.04943960625678301},{"text":"That Vanguard index chart again, just an updated version if you do wanna have a look at it.","start":971.64,"end":976.38,"sentiment":"neutral","sentiment_score":0.06873246675564183}],"sentiment":"neutral","sentiment_score":0.0773923219802479,"num_words":60,"start":958.605,"end":976.38},{"sentences":[{"text":"And then also the financial services guide.","start":977.665,"end":980.32495,"sentiment":"neutral","sentiment_score":0.046740614409957616},{"text":"Again, it's the same one we went through earlier in the year.","start":980.625,"end":984.245,"sentiment":"neutral","sentiment_score":0.0655459938570857},{"text":"It's just there if you do wanna have another read over them.","start":984.46497,"end":987.20496,"sentiment":"neutral","sentiment_score":0.04784242653598388},{"text":"Otherwise, if you are happy to do so, if you click on the link where it says sign now, it should ask you to sign an ongoing service agreement.","start":989.04,"end":1001.3,"sentiment":"neutral","sentiment_score":0.1205837305249839},{"text":"Yep.","start":1004.875,"end":1005.375,"sentiment":"neutral","sentiment_score":0.044283680617809296}],"sentiment":"neutral","sentiment_score":0.08572224936768656,"num_words":61,"start":977.665,"end":1005.375},{"sentences":[{"text":"Yep.","start":1010.395,"end":1010.895,"sentiment":"neutral","sentiment_score":0.011765113100409508},{"text":"Yeah.","start":1015.37,"end":1015.87,"sentiment":"neutral","sentiment_score":-0.02340424433350563},{"text":"Oh, yeah.","start":1022.41,"end":1023.06995,"sentiment":"neutral","sentiment_score":-0.031130757182836533},{"text":"It's actually I can't hear it too much because it's funny sometimes with the like, even, like, sometimes people are working from home.","start":1027.2051,"end":1032.645,"sentiment":"neutral","sentiment_score":-0.12025356001180151},{"text":"Like, you hear the dog snoring or barking, and it's quite funny.","start":1032.645,"end":1035.525,"sentiment":"neutral","sentiment_score":-0.07340792876978715}],"sentiment":"neutral","sentiment_score":-0.09540070951558076,"num_words":39,"start":1010.395,"end":1035.525},{"sentences":[{"text":"But I can't actually hear anything except from you.","start":1035.525,"end":1038.245,"sentiment":"neutral","sentiment_score":-0.1555923894047737},{"text":"Sorry.","start":1038.245,"end":1038.745,"sentiment":"neutral","sentiment_score":-0.08478236198425293},{"text":"That is good.","start":1039.4451,"end":1040.345,"sentiment":"neutral","sentiment_score":0.026308984806140263},{"text":"Yes.","start":1043.19,"end":1043.67,"sentiment":"neutral","sentiment_score":0.0647410973906517},{"text":"Sorry.","start":1043.67,"end":1044.17,"sentiment":"neutral","sentiment_score":0.03802899643778801}],"sentiment":"neutral","sentiment_score":-0.0868944545586904,"num_words":15,"start":1035.525,"end":1044.17},{"sentences":[{"text":"Just so you know is what we what you are signing, it is the the network ongoing service agreement.","start":1044.23,"end":1049.13,"sentiment":"neutral","sentiment_score":0.0925765241447248},{"text":"Just to say that you're obviously happy to stay on as a client.","start":1049.43,"end":1052.41,"sentiment":"positive","sentiment_score":0.4385778239140144},{"text":"There is no changes whatsoever in regards to the fee.","start":1052.71,"end":1055.625,"sentiment":"neutral","sentiment_score":0.030970290675759314},{"text":"It stays exactly the same at 1.65.","start":1055.705,"end":1058.925,"sentiment":"neutral","sentiment_score":0.1326705025775092},{"text":"And just per usual, not a lock in contract at any point in time.","start":1059.625,"end":1062.825,"sentiment":"neutral","sentiment_score":-0.005972630610423428}],"sentiment":"neutral","sentiment_score":0.1367499248553363,"num_words":63,"start":1044.23,"end":1062.825},{"sentences":[{"text":"So if you're ever not happy, not a lock in contract.","start":1062.825,"end":1065.485,"sentiment":"neutral","sentiment_score":-0.07943321425806392},{"text":"But, otherwise, it just lets us service you until your next interview.","start":1066.025,"end":1069.645,"sentiment":"neutral","sentiment_score":0.05225714078793923},{"text":"Great.","start":1072.61,"end":1073.11,"sentiment":"positive","sentiment_score":0.548283040523529},{"text":"Yep.","start":1073.65,"end":1074.13,"sentiment":"neutral","sentiment_score":0.31707239151000977},{"text":"And this yep.","start":1074.13,"end":1075.41,"sentiment":"neutral","sentiment_score":0.2645717114210129}],"sentiment":"neutral","sentiment_score":0.05044253210404089,"num_words":28,"start":1062.825,"end":1075.41},{"sentences":[{"text":"Perfect.","start":1075.41,"end":1075.81,"sentiment":"positive","sentiment_score":0.4656045138835907},{"text":"When you press validate, it should then send it to me.","start":1075.81,"end":1079.1901,"sentiment":"neutral","sentiment_score":0.23827695711092514},{"text":"You'll also get a copy as well if you do wanna download them, but I always have a copy on file if you do need it.","start":1079.25,"end":1088.285,"sentiment":"neutral","sentiment_score":0.17089213918034846},{"text":"So I'll just wait for that to come through.","start":1090.585,"end":1093.325,"sentiment":"neutral","sentiment_score":0.04402625188231468},{"text":"Did you say that on the name?","start":1094.505,"end":1095.885,"sentiment":"neutral","sentiment_score":0.004428791148321969}],"sentiment":"neutral","sentiment_score":0.1473534160328132,"num_words":54,"start":1075.41,"end":1095.885},{"sentences":[{"text":"Okay.","start":1096.105,"end":1096.605,"sentiment":"neutral","sentiment_score":0.016828574240207672},{"text":"I'll while I wait for that to to come through as well, I do just check if there's anything else that has changed with your fact fund there, Loretta.","start":1097.145,"end":1105.32,"sentiment":"neutral","sentiment_score":0.008624826028043854},{"text":"So updated, obviously, income occupation wise.","start":1105.32,"end":1108.7,"sentiment":"neutral","sentiment_score":-0.004661081358790398},{"text":"Otherwise, personal information.","start":1111.135,"end":1112.755,"sentiment":"neutral","sentiment_score":-0.013318518797556559},{"text":"Has anything changed?","start":1113.135,"end":1114.335,"sentiment":"neutral","sentiment_score":-0.018553029745817184}],"sentiment":"neutral","sentiment_score":0.0034135094112051384,"num_words":42,"start":1096.105,"end":1114.335},{"sentences":[{"text":"I still have next of kin your mom.","start":1114.335,"end":1116.175,"sentiment":"neutral","sentiment_score":-0.0267563508823514},{"text":"Her phone number hasn't changed.","start":1116.175,"end":1117.635,"sentiment":"neutral","sentiment_score":-0.038834112137556075},{"text":"That's all the same.","start":1117.855,"end":1118.995,"sentiment":"neutral","sentiment_score":-0.057901110500097275},{"text":"Yep.","start":1119.215,"end":1119.715,"sentiment":"neutral","sentiment_score":-0.008218325674533844},{"text":"Perfect.","start":1120.895,"end":1121.395,"sentiment":"neutral","sentiment_score":0.05841516703367233}],"sentiment":"neutral","sentiment_score":-0.031033103599360113,"num_words":19,"start":1114.335,"end":1121.395},{"sentences":[{"text":"Yep.","start":1123.87,"end":1124.37,"sentiment":"neutral","sentiment_score":0.042423050850629807},{"text":"We're cool.","start":1125.23,"end":1125.95,"sentiment":"neutral","sentiment_score":0.09429575689136982},{"text":"Yeah.","start":1125.95,"end":1126.35,"sentiment":"neutral","sentiment_score":0.0334036760032177},{"text":"Has any of your assets changed, or is it still I'll just kind of quickly run through what I have here, and you just let me know if you have changed.","start":1126.35,"end":1132.85,"sentiment":"neutral","sentiment_score":0.0041611214138327106},{"text":"The the block of land was last night at about $6.80 with about $2.53 owing.","start":1134.27,"end":1139.735,"sentiment":"neutral","sentiment_score":-0.027112098410725594}],"sentiment":"neutral","sentiment_score":-0.0002653694339096546,"num_words":50,"start":1123.87,"end":1139.735},{"sentences":[{"text":"Oh, nice.","start":1145.875,"end":1146.6951,"sentiment":"neutral","sentiment_score":0.31613366305828094},{"text":"Right.","start":1162.785,"end":1163.285,"sentiment":"neutral","sentiment_score":0.024045828729867935},{"text":"About that's very good.","start":1164.145,"end":1165.8451,"sentiment":"neutral","sentiment_score":0.06895170081406832},{"text":"Yeah.","start":1166.785,"end":1167.285,"sentiment":"neutral","sentiment_score":0.220503568649292},{"text":"Nice.","start":1168.145,"end":1168.545,"sentiment":"positive","sentiment_score":0.6438919305801392}],"sentiment":"neutral","sentiment_score":0.19961282859245935,"num_words":9,"start":1145.875,"end":1168.545},{"sentences":[{"text":"And especially when you do build as well, it will you know?","start":1168.545,"end":1172.0851,"sentiment":"neutral","sentiment_score":0.24200583125154176},{"text":"Yes.","start":1183.2799,"end":1183.7799,"sentiment":"neutral","sentiment_score":0.017007870599627495},{"text":"Sorry.","start":1183.84,"end":1184.32,"sentiment":"neutral","sentiment_score":0.003032482229173183},{"text":"That was the no longer 35 owing, so that's all cleared?","start":1184.32,"end":1187.7,"sentiment":"neutral","sentiment_score":-0.0035821434364400125},{"text":"Yep.","start":1189.025,"end":1189.505,"sentiment":"neutral","sentiment_score":0.044827185571193695}],"sentiment":"neutral","sentiment_score":0.11267438213914059,"num_words":26,"start":1168.545,"end":1189.505},{"sentences":[{"text":"Perfect.","start":1189.505,"end":1190.005,"sentiment":"neutral","sentiment_score":0.1916278600692749},{"text":"Oh, perfect.","start":1193.745,"end":1194.485,"sentiment":"neutral","sentiment_score":0.061132632195949554},{"text":"Yeah.","start":1197.105,"end":1197.605,"sentiment":"neutral","sentiment_score":-0.02655811607837677},{"text":"Yep.","start":1198.385,"end":1198.885,"sentiment":"neutral","sentiment_score":-0.03215678781270981},{"text":"At least you got an 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car?","start":1207.87,"end":1211.01,"sentiment":"neutral","sentiment_score":-0.01959008638831702},{"text":"Yep.","start":1211.23,"end":1211.73,"sentiment":"neutral","sentiment_score":0.014059869572520256},{"text":"Nine.","start":1215.485,"end":1215.985,"sentiment":"neutral","sentiment_score":0.010859277099370956}],"sentiment":"neutral","sentiment_score":-0.03426024168729782,"num_words":20,"start":1202.75,"end":1215.985},{"sentences":[{"text":"Yep.","start":1217.805,"end":1218.305,"sentiment":"neutral","sentiment_score":0.013855616562068462},{"text":"Yep.","start":1220.285,"end":1220.685,"sentiment":"neutral","sentiment_score":-0.017410658299922943},{"text":"And they're yeah.","start":1220.685,"end":1222.685,"sentiment":"neutral","sentiment_score":-0.004364654732247193},{"text":"And they're still valid roughly the same, like, 30 thousand for the bar and 60 ish for the horses.","start":1222.685,"end":1228.56,"sentiment":"neutral","sentiment_score":0.01968582740817893},{"text":"Perfect.","start":1228.7001,"end":1229.2001,"sentiment":"neutral","sentiment_score":0.22422422468662265}],"sentiment":"neutral","sentiment_score":0.02326423758029705,"num_words":25,"start":1217.805,"end":1229.2001},{"sentences":[{"text":"And shares about a 100,000 as well.","start":1230.14,"end":1232.96,"sentiment":"neutral","sentiment_score":0.008942499490720885},{"text":"Okay.","start":1254.0901,"end":1254.5901,"sentiment":"neutral","sentiment_score":0.008357975631952286},{"text":"That's are you happy to leave it at a 100, or do you want me to change it through 80 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is yeah.","start":1422.6,"end":1425.58,"sentiment":"positive","sentiment_score":0.5466619332631429},{"text":"Yeah.","start":1426.2949,"end":1426.5349,"sentiment":"positive","sentiment_score":0.4792885482311249},{"text":"You're you're doing you're doing good.","start":1426.5349,"end":1428.315,"sentiment":"positive","sentiment_score":0.698636551698049}],"sentiment":"positive","sentiment_score":0.537135916762054,"num_words":12,"start":1421.88,"end":1428.315},{"sentences":[{"text":"Perfect.","start":1430.215,"end":1430.715,"sentiment":"positive","sentiment_score":0.6629987955093384},{"text":"Now it doesn't look like the document has still come through yet.","start":1430.9349,"end":1433.895,"sentiment":"neutral","sentiment_score":0.009304943960160017},{"text":"So I don't know if it's Internet.","start":1433.895,"end":1435.275,"sentiment":"neutral","sentiment_score":-0.026014961302280426},{"text":"Did it definitely say, like, when you clicked validate and and send, what did it say after that?","start":1435.575,"end":1441.0349,"sentiment":"neutral","sentiment_score":-0.009412795667433076},{"text":"Yeah.","start":1444.95,"end":1445.45,"sentiment":"neutral","sentiment_score":-0.002518489956855774}],"sentiment":"neutral","sentiment_score":0.010784732870375499,"num_words":39,"start":1430.215,"end":1445.45},{"sentences":[{"text":"Okay.","start":1450.3099,"end":1450.8099,"sentiment":"neutral","sentiment_score":-0.0105983791872859},{"text":"Okay.","start":1454.005,"end":1454.505,"sentiment":"neutral","sentiment_score":-0.06402158737182617},{"text":"Yep.","start":1464.8049,"end":1465.3049,"sentiment":"neutral","sentiment_score":0.026183953508734703},{"text":"Because I'll see.","start":1466.97,"end":1468.1901,"sentiment":"neutral","sentiment_score":0.013303773167232672},{"text":"If you could if you could and see because sometimes techno it's great when it works, but sometimes it can be a little bit iffy.","start":1469.6901,"end":1479.675,"sentiment":"neutral","sentiment_score":-0.0285567350871861}],"sentiment":"neutral","sentiment_score":-0.023304615184784896,"num_words":31,"start":1450.3099,"end":1479.675},{"sentences":[{"text":"Because usually by now, it has come through.","start":1480.6951,"end":1483.095,"sentiment":"neutral","sentiment_score":-0.05140553833916783},{"text":"So if you don't mind, that would be great, and see see if that comes through.","start":1483.095,"end":1487.515,"sentiment":"neutral","sentiment_score":0.06724727735854685},{"text":"Yep.","start":1503.11,"end":1503.61,"sentiment":"neutral","sentiment_score":0.05799298733472824},{"text":"I will see.","start":1504.745,"end":1505.385,"sentiment":"neutral","sentiment_score":0.05575966959198316},{"text":"And while it loads, when is a good time for me to give you a quick call just about those potential rollovers?","start":1505.385,"end":1514.1849,"sentiment":"neutral","sentiment_score":0.05215397324751724}],"sentiment":"neutral","sentiment_score":0.04074743077158928,"num_words":50,"start":1480.6951,"end":1514.1849},{"sentences":[{"text":"So it should be a pretty quick one.","start":1514.1849,"end":1515.885,"sentiment":"neutral","sentiment_score":0.13639890030026436},{"text":"When is yeah.","start":1518.6,"end":1520.54,"sentiment":"neutral","sentiment_score":0.035469560573498406},{"text":"Yes.","start":1526.28,"end":1526.78,"sentiment":"neutral","sentiment_score":0.02460699900984764},{"text":"I can see it's come through already.","start":1527.4,"end":1528.9401,"sentiment":"neutral","sentiment_score":0.0004918075033596583},{"text":"No.","start":1529.635,"end":1529.955,"sentiment":"neutral","sentiment_score":-0.02989380620419979}],"sentiment":"neutral","sentiment_score":0.059787786472588776,"num_words":20,"start":1514.1849,"end":1529.955},{"sentences":[{"text":"We have a copy on file.","start":1529.955,"end":1531.155,"sentiment":"neutral","sentiment_score":0.011866648526241383},{"text":"Yeah.","start":1531.155,"end":1531.475,"sentiment":"neutral","sentiment_score":0.10834398120641708},{"text":"So if you ever wanted, just let me know, and I can email that to you.","start":1531.475,"end":1534.9349,"sentiment":"neutral","sentiment_score":0.15043017733842134},{"text":"No.","start":1540.6749,"end":1540.9149,"sentiment":"neutral","sentiment_score":-0.20727509260177612},{"text":"That should no seventh.","start":1540.9149,"end":1542.215,"sentiment":"neutral","sentiment_score":-0.19062155112624168}],"sentiment":"neutral","sentiment_score":0.057738050452566574,"num_words":28,"start":1529.955,"end":1542.215},{"sentences":[{"text":"Let me see.","start":1542.78,"end":1543.5801,"sentiment":"neutral","sentiment_score":-0.05261042962471644},{"text":"May 13.","start":1543.5801,"end":1545.02,"sentiment":"neutral","sentiment_score":-0.027895874343812466},{"text":"No.","start":1545.02,"end":1545.52,"sentiment":"neutral","sentiment_score":-0.1617570519447327},{"text":"I could do it because it's pretty quick this time.","start":1545.9,"end":1549.04,"sentiment":"neutral","sentiment_score":-0.16032085791230202},{"text":"Let me see.","start":1550.4601,"end":1551.36,"sentiment":"neutral","sentiment_score":0.014754783051709333}],"sentiment":"neutral","sentiment_score":-0.10180654313023153,"num_words":19,"start":1542.78,"end":1551.36},{"sentences":[{"text":"So would May 14 work for you?","start":1551.42,"end":1555.92,"sentiment":"neutral","sentiment_score":0.014817051589488983},{"text":"Yes.","start":1561.765,"end":1562.265,"sentiment":"neutral","sentiment_score":0.04518577456474304},{"text":"Okay.","start":1563.2849,"end":1563.7849,"sentiment":"neutral","sentiment_score":0.01919233240187168},{"text":"No.","start":1565.2849,"end":1565.5249,"sentiment":"neutral","sentiment_score":-0.03724729269742966},{"text":"That's okay.","start":1565.5249,"end":1566.345,"sentiment":"neutral","sentiment_score":0.0344989113509655}],"sentiment":"neutral","sentiment_score":0.01665399984146158,"num_words":12,"start":1551.42,"end":1566.345},{"sentences":[{"text":"I could, yeah, could let me see.","start":1567.125,"end":1571.7999,"sentiment":"neutral","sentiment_score":0.030842792774949754},{"text":"Okay.","start":1576.26,"end":1576.66,"sentiment":"neutral","sentiment_score":0.052041225135326385},{"text":"Because otherwise, I'd probably so was that Wednesday the thirteenth best for you?","start":1576.66,"end":1582.12,"sentiment":"neutral","sentiment_score":0.030140102339478638},{"text":"Okay.","start":1585.5851,"end":1586.0851,"sentiment":"neutral","sentiment_score":0.0738987922668457},{"text":"Because I could problem okay.","start":1586.305,"end":1591.905,"sentiment":"neutral","sentiment_score":0.016051486134529114}],"sentiment":"neutral","sentiment_score":0.030145123256025492,"num_words":27,"start":1567.125,"end":1591.905},{"sentences":[{"text":"Let me have a look.","start":1591.905,"end":1592.7051,"sentiment":"neutral","sentiment_score":0.031310942769050595},{"text":"Because I probably could do if I do 11:30 my time, that's 09:30 your time.","start":1592.7051,"end":1605.69,"sentiment":"neutral","sentiment_score":-0.007115536121030649},{"text":"Does that work, or is that portion it?","start":1606.1499,"end":1608.25,"sentiment":"neutral","sentiment_score":-0.11343657085672021},{"text":"No.","start":1610.285,"end":1610.525,"sentiment":"neutral","sentiment_score":-0.15200164914131165},{"text":"That's okay.","start":1610.525,"end":1611.245,"sentiment":"neutral","sentiment_score":-0.06407982110977173}],"sentiment":"neutral","sentiment_score":-0.03670426407047818,"num_words":31,"start":1591.905,"end":1611.245},{"sentences":[{"text":"Because, otherwise, it might be too early because I could otherwise do 09:00 my time, but that is 07:00 your time.","start":1611.245,"end":1619.165,"sentiment":"neutral","sentiment_score":-0.13075972312972658},{"text":"Is that too early?","start":1619.165,"end":1620.145,"sentiment":"neutral","sentiment_score":-0.0021863202564418316},{"text":"Yeah.","start":1622.78,"end":1623.26,"sentiment":"positive","sentiment_score":0.44749343395233154},{"text":"Perfect.","start":1623.26,"end":1623.76,"sentiment":"positive","sentiment_score":0.6471158862113953},{"text":"And, honestly, it shouldn't take it should maybe take fifteen to fifteen minutes or so.","start":1624.06,"end":1629.3601,"sentiment":"positive","sentiment_score":0.4131411155064901}],"sentiment":"neutral","sentiment_score":0.10802444252407267,"num_words":42,"start":1611.245,"end":1629.3601},{"sentences":[{"text":"It should be a pretty quick one.","start":1629.74,"end":1631.92,"sentiment":"positive","sentiment_score":0.5572572009904044},{"text":"Alright.","start":1633.2749,"end":1633.5149,"sentiment":"neutral","sentiment_score":0.31173163652420044},{"text":"So I will book that in on Wednesday, May 13 at 7AM your time.","start":1633.5149,"end":1639.5349,"sentiment":"neutral","sentiment_score":0.28012230566569735},{"text":"If anything does change, you can't make it or your appointments or anything change, just let me know, and I'll see if I can shuffle a few things around for you.","start":1641.5149,"end":1649.98,"sentiment":"neutral","sentiment_score":0.1193839457607077},{"text":"Yep.","start":1651.16,"end":1651.56,"sentiment":"neutral","sentiment_score":0.06092304736375809}],"sentiment":"neutral","sentiment_score":0.22029758682819428,"num_words":54,"start":1629.74,"end":1651.56},{"sentences":[{"text":"Perfect.","start":1651.56,"end":1652.06,"sentiment":"positive","sentiment_score":0.4934604465961456},{"text":"Before I let you go and enjoy the rest of your afternoon, do you have any other questions for me otherwise?","start":1652.68,"end":1658.3,"sentiment":"positive","sentiment_score":0.36822842061519623},{"text":"No.","start":1659.615,"end":1660.115,"sentiment":"neutral","sentiment_score":0.022972717881202694},{"text":"Perfect.","start":1660.415,"end":1660.915,"sentiment":"neutral","sentiment_score":0.27701789140701294},{"text":"Yeah.","start":1661.375,"end":1661.855,"sentiment":"positive","sentiment_score":0.33513766527175903}],"sentiment":"positive","sentiment_score":0.3544554221630096,"num_words":25,"start":1651.56,"end":1661.855},{"sentences":[{"text":"Wonderful.","start":1661.855,"end":1662.355,"sentiment":"positive","sentiment_score":0.6383554935455322},{"text":"Well, I hope everything goes well with the application and you resigning and that you do get that police check soon.","start":1662.895,"end":1671.0751,"sentiment":"neutral","sentiment_score":0.3111131402353446},{"text":"And, otherwise, I look forward to speaking with you on Wednesday, the thirteenth.","start":1672.095,"end":1675.12,"sentiment":"positive","sentiment_score":0.41511385486676144},{"text":"No problem at all.","start":1677.5,"end":1678.7,"sentiment":"positive","sentiment_score":0.41395964473485947},{"text":"You too.","start":1678.7,"end":1679.34,"sentiment":"neutral","sentiment_score":0.2422771230340004}],"sentiment":"positive","sentiment_score":0.3587464482137343,"num_words":41,"start":1661.855,"end":1679.34},{"sentences":[{"text":"We speak soon.","start":1679.34,"end":1680.1599,"sentiment":"neutral","sentiment_score":0.16972786684830984},{"text":"Bye.","start":1680.22,"end":1680.72,"sentiment":"neutral","sentiment_score":0.1339091956615448}],"sentiment":"neutral","sentiment_score":0.16077319905161858,"num_words":4,"start":1679.34,"end":1680.72}]}}]},{"alternatives":[{"transcript":"Hello? Yes. How are you going? I'm good. Thanks. Yourself? That's good. Yeah. Yep. Sweet. Yep. No worries. Laura Davidson, '81. And what was the last one of my address? 426 Henderson Road, Hopeland, WA. You're good. Yeah. Good. Yeah. I'll fly back to work tomorrow. I was I'm just down at the horses with my little niece feeding up, and it's a beautiful morning here. Yeah. It's nice. Like, no wind. I don't really mind what the weather is. If there's no wind, I'm happy. And there's none. It's oh, is it? Yeah. Yeah. Yeah. It's it's getting dreary. Yeah. Yep. I'm I'm in the middle of changing employers as well. So that might change that a bit. I probably will be giving my notice tomorrow. Just trying to build a house over here, and it's super expensive. So I've just gone to someone that's having to pay lots more. So yeah. No. No. They they offered a bonus, a $30,000 bonus, and and not till January next year. And, you know, base pay is all the banks care about. So I was like, yeah. Yeah. I've I've put it to them and, yeah, that was like, no. They just they just sit on things for too long, and I can't afford to sit on this. Otherwise, I won't get my house built. So yeah. I want in a bit. Beg your pardon? I've I've done all the medical and yeah. It's a someone I've previously worked for, so I didn't really have to go for interviewing. They just were sort of head hugging me, which is nice. Yeah. And then sort of upping the offer until it was yeah. Nice. And they did offer a sign on bonus as well, so that kinda sealed the deal. I was like, yeah. Let's do it. One of the dreams to build a house. At Bomingo. Yeah. They're WA based, but they're they're a global company as well. So, like, they're all over. Yeah. No. I'm still the underground shift supervisor, and they sort of offered me training and moving to a role of superintendent, but that won't be happening sort of officially, I guess, in maybe next year or something, which is fine because I love shift, I think. But, yeah, it will be a good career move as well. The base is $2.52, and then $10,000 final bonus, and they have an annual bonus, which is up to 15% of your base. What do you mean? Sorry. Oh, I'm I'm not too sure. I think my it might have been written in the letter of offer and that and and all those details, but, you know, superannuation stuff, I sent a scheme over because yeah. Whatever. I think you think, god, there's not I'm not you don't know the chance of making that far in your life. So you think, oh, yeah. Like, it's great to build it, but then I think, oh, well, not sure if I'll ever see it. So you sort of think yeah. Yeah. I think it says in the letter of offer, $30,000. Super. Yep. Yep. Yep. Yep. Yeah. I did. Yeah. Cool. Yeah. Sorry. Is that so I avoid a division two nine three? Yep. Yeah. Yeah. Party government. It's what it is. Yep. The so if I hand my notes I'm just waiting on my police check. It takes longer than normal because it's got a it's got so it's so minimal. It's a $75 speeding charge, but so it was a lot more than that, but I forwarded in court because I wasn't doing the alleged speed. I was like, there's I've had cruise control on. There's a new car. The cock was being a real dick, and I was just like he said I was on a 133. I was like, I simply was not. And Okay. Anyway, so I was yeah. So I took it to court, and it took two years and pissed him off a lot. But I was like, mate, this is why we have a justice system on. And yeah. And and I won, and I had said to the magistrate. I was like, I know I wasn't doing that because I had my cruise control set on a 100 and 15, just over one 10. Yeah. So I got a five kilometer over fine, which is 75, but that appears on my record because it went through the course, which is fine. I mean, I don't know. Yeah. I think no. But they then they take a week or two to look at the CVT test, and then they're like, you know, So I had one a year ago in the past. I haven't done anything criminal in the last twelve months. So so all going well. I will be hanging my notes in, so I'll just bring out roster. Tomorrow, the thirtieth of my last day would be the twentieth, and I would assume that I start work on the May 26 with a new company. Okay. Sorry. I missed that first week. I need about a form that I get off the employee. Yeah. Yeah. Yeah. Okay. Cool. If you yeah. If you can email it, please. I because I'll probably stick with Plum because Plum is so good. You know? Yep. Yep. With the attachment. And what were I talking about? Signature request. Yep. Yeah. The service is bad. Financial is bad. Yep. Super insurance summary. Yep. Yep. Yep. Cool. Yep. Yeah. So odd. I don't know. No. Send all that through to you. Yeah. Yeah. Cool. Yep. Okay. So what I've got is pretty good. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Cool. Yeah. I think so. Yep. Yeah. Yeah. If that's I mean, I always just leave that call up to you guys because I wouldn't have a clue. And I always just have faith that overview knows what what I should do. And if if he's like, we need to transfer money out of plumbing into Netwealth, keep enough open for insurances and whatever you use, reckon. You got my full backing. You don't even need my permission. I trust you. Yeah. No. Yep. Yeah. Yep. I think it's taken a fair old hit with with recent times. But, I mean, I understand those high risk and, you know, yeah, I think you make a lot of money on the back end of a big four. So, yeah, so it doesn't worry me. Yeah. Yeah. Yep. Yep. Yep. Yes. Yeah. Awesome. I think that is good. Yes. Yep. Yeah. Yeah. Cool. So sign document. Just loading up. I'm down here. So I've got I don't know if you can hear because someone's speaking now. I've got the dog's not nest beside me, but she's not saying, boo. But my niece on my lap, she's just playing with her horse measuring thing. That's my horse eating and praying, and then I got the chooks out of there. I'll leave. I'm finding just wait. Alright. So sign it. Right. Yep. Yep. Yep. Sweet. Awesome. And the date. Validate. Yep. Straight. I think I think that should be done. No. No. Yeah. Not changed. Yeah. Just work. We'll yeah. That's about it. So the the value of the land's gone up considerably. Yeah. You could safely say it's crazy, WA. It's mental because I'm because I'm building. The builder said that we'll get a valuation before the banks, and it was sort of coming in from 950 to 1.5. But 1.5 is probably a bit of a stretch. So you can probably comfortably say a million. One million to one point one comfortably. Yeah. It is. It's great. Yeah. Yep. So so that's cool. And then the my I o two ninety four because I paid out my Hilux in full because that was a leased vehicle. So I had to so yep. Yep. I think it was 38. I had to pay $38,500 in the end because there was fees, because I've gone over k's, and you have to pay all back your GST because I broke the lease blah blah blah. Never doing that again. Sorry? 0, yeah. Yep. Yeah. Haven't put many trades on it since. Been staying close to home, saving money. So about that, yeah, still got the boat, still got all the horses. Don't tell the bank about the horses, though. Yeah. Yeah. Yeah. Paul, I haven't looked at them for a while because they do we'll take a big dive. I don't know why. Normally, gold's a safe place for people's money in the times of war and all that, but, yeah, it hasn't been the case. So they're probably seeing about 85. Oh, BHP, mind you, they've gone through the roof, but my gold shares haven't so I don't know what I would yeah. Yeah. No. You can leave it because I don't think it'll be too much. No. No. All good. Yeah. I'm with the HCF, and I pay a 190 a month. The extra Medicare. Maybe I still have to pay one. I don't, miss you. Yeah. That's that's probably that's great. No. No. I I was I did have a meeting with Carlos Ross or something. I remember I think they're a race, but I put them on hold because those things were changing. And then I figured so I don't have to pay more again to get it set up. I think I'll wait till my house is built, and then I'll do a proper will in that. And, yeah, and all that then because it's so full on when I was about to do it. It's like 30 pages, and I was like, Jesus Christ. It's not the kind of thing I wanted to spend my time. Yeah. Yeah. Okay. Cool. Cool. Sweet. No. Just build a house. Just build my dream home and, yeah, just keep enjoying life. Not too much of a plan, to be honest. Some might feel like, what's your three and five goal plan? I don't have one. I just wanna wake up tomorrow and keep propping off. So that's alright. Yeah. Yeah. Things change. Yeah. Yeah. Yeah. That's it. Just deal with things. So if I'm any worried that will happen, I was like, no. I'm not worried at all. But if it did, I'll deal with it then, and that's when I'll save energy for things as they happen. I don't waste energy for things that most of the time don't even come to fruition, whether it's a plan or something bad. You know? Like, I I can't involve the planning. Everything's unfolded pretty sweet in my life today, so I think yeah. Yeah. It's just gone like it's I pressed validate and it it all did, like, the wheel of this thing and and then it's going back to that same page where all the signatures are which I filled in. And it's not validate down the bottom, but you can't click it because it's kind of become a see through validate button there. But I I did press it, and it did, like, load or whatever, like, the wheel of death. But yeah. Now do you want me to just press sign document again? Go back through? Yeah. Yep. Real easy. That's me. Yeah, mate. It needs to show what else? This? Alright. I'll get it sorted for you. Right now. I press invalidate again. It's loading. So I go back to work work today. I'm too scared to look at my there you go. You'll get us signed up from it said it's signed. Download. Okay. So I don't need to download it because you got a copy. Yeah. See. So I'm home from the seventh to the May 13. Is that too soon? Fourteenth. Oh, the May 14 is the Thursday, isn't it? I'll fly back to work that day. I'm dated too, so I leave early morning. So we can leave it to the following break on '20 first to the twenty seventh. I'm home. Well, '20 first to the twenty fifth. So I'll probably fly to my new job on the twenty sixth. Wednesday, the thirteenth, I can do. Yeah. Except for between nine and 10:30AM WA time I have an appointment. No. I'd be no. I'd be banging the middle of an appointment. Yeah. I can do that. I'm a I'm a early bird. I'm always off early. Yeah. Yes. Wait. Too lazy. Awesome. Nah. All good. Good chat. Mhmm. Yeah. Cool. No worries. Too easy. Thanks, Veronica. Enjoy the rest of your day too. See you. Bye. Thank you. Bye. Bye. 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Yes. How are you going? I'm good. Thanks.\n\nYourself? That's good. Yeah. Yep. Sweet.\n\nYep. No worries. Laura Davidson, '81. And what was the last one of my address? 426 Henderson Road, Hopeland, WA.\n\nYou're good. Yeah. Good. Yeah. I'll fly back to work tomorrow.\n\nI was I'm just down at the horses with my little niece feeding up, and it's a beautiful morning here. Yeah. It's nice. Like, no wind. I don't really mind what the weather is.\n\nIf there's no wind, I'm happy. And there's none. It's oh, is it? Yeah. Yeah.\n\nYeah. It's it's getting dreary. Yeah. Yep. I'm I'm in the middle of changing employers as well.\n\nSo that might change that a bit. I probably will be giving my notice tomorrow. Just trying to build a house over here, and it's super expensive. So I've just gone to someone that's having to pay lots more. So yeah.\n\nNo. No. They they offered a bonus, a $30,000 bonus, and and not till January next year. And, you know, base pay is all the banks care about. So I was like, yeah.\n\nYeah. I've I've put it to them and, yeah, that was like, no. They just they just sit on things for too long, and I can't afford to sit on this. Otherwise, I won't get my house built. So yeah.\n\nI want in a bit. Beg your pardon? I've I've done all the medical and yeah. It's a someone I've previously worked for, so I didn't really have to go for interviewing. They just were sort of head hugging me, which is nice.\n\nYeah. And then sort of upping the offer until it was yeah. Nice. And they did offer a sign on bonus as well, so that kinda sealed the deal. I was like, yeah.\n\nLet's do it. One of the dreams to build a house. At Bomingo. Yeah. They're WA based, but they're they're a global company as well.\n\nSo, like, they're all over. Yeah. No. I'm still the underground shift supervisor, and they sort of offered me training and moving to a role of superintendent, but that won't be happening sort of officially, I guess, in maybe next year or something, which is fine because I love shift, I think. But, yeah, it will be a good career move as well.\n\nThe base is $2.52, and then $10,000 final bonus, and they have an annual bonus, which is up to 15% of your base. What do you mean? Sorry. Oh, I'm I'm not too sure. I think my it might have been written in the letter of offer and that and and all those details, but, you know, superannuation stuff, I sent a scheme over because yeah.\n\nWhatever. I think you think, god, there's not I'm not you don't know the chance of making that far in your life. So you think, oh, yeah. Like, it's great to build it, but then I think, oh, well, not sure if I'll ever see it. So you sort of think yeah.\n\nYeah. I think it says in the letter of offer, $30,000. Super. Yep. Yep.\n\nYep. Yep. Yeah. I did. Yeah.\n\nCool. Yeah. Sorry. Is that so I avoid a division two nine three? Yep.\n\nYeah. Yeah. Party government. It's what it is. Yep.\n\nThe so if I hand my notes I'm just waiting on my police check. It takes longer than normal because it's got a it's got so it's so minimal. It's a $75 speeding charge, but so it was a lot more than that, but I forwarded in court because I wasn't doing the alleged speed. I was like, there's I've had cruise control on. There's a new car.\n\nThe cock was being a real dick, and I was just like he said I was on a 133. I was like, I simply was not. And Okay. Anyway, so I was yeah. So I took it to court, and it took two years and pissed him off a lot.\n\nBut I was like, mate, this is why we have a justice system on. And yeah. And and I won, and I had said to the magistrate. I was like, I know I wasn't doing that because I had my cruise control set on a 100 and 15, just over one 10. Yeah.\n\nSo I got a five kilometer over fine, which is 75, but that appears on my record because it went through the course, which is fine. I mean, I don't know. Yeah. I think no. But they then they take a week or two to look at the CVT test, and then they're like, you know, So I had one a year ago in the past.\n\nI haven't done anything criminal in the last twelve months. So so all going well. I will be hanging my notes in, so I'll just bring out roster. Tomorrow, the thirtieth of my last day would be the twentieth, and I would assume that I start work on the May 26 with a new company. Okay.\n\nSorry. I missed that first week. I need about a form that I get off the employee. Yeah. Yeah.\n\nYeah. Okay. Cool. If you yeah. If you can email it, please.\n\nI because I'll probably stick with Plum because Plum is so good. You know? Yep. Yep. With the attachment.\n\nAnd what were I talking about? Signature request. Yep. Yeah. The service is bad.\n\nFinancial is bad. Yep. Super insurance summary. Yep. Yep.\n\nYep. Cool. Yep. Yeah. So odd.\n\nI don't know. No. Send all that through to you. Yeah. Yeah.\n\nCool. Yep. Okay. So what I've got is pretty good. Yeah.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nCool. Yeah. I think so. Yep. Yeah.\n\nYeah. If that's I mean, I always just leave that call up to you guys because I wouldn't have a clue. And I always just have faith that overview knows what what I should do. And if if he's like, we need to transfer money out of plumbing into Netwealth, keep enough open for insurances and whatever you use, reckon. You got my full backing.\n\nYou don't even need my permission. I trust you. Yeah. No. Yep.\n\nYeah. Yep. I think it's taken a fair old hit with with recent times. But, I mean, I understand those high risk and, you know, yeah, I think you make a lot of money on the back end of a big four. So, yeah, so it doesn't worry me.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYes. Yeah. Awesome. I think that is good. Yes.\n\nYep. Yeah. Yeah. Cool. So sign document.\n\nJust loading up. I'm down here. So I've got I don't know if you can hear because someone's speaking now. I've got the dog's not nest beside me, but she's not saying, boo. But my niece on my lap, she's just playing with her horse measuring thing.\n\nThat's my horse eating and praying, and then I got the chooks out of there. I'll leave. I'm finding just wait. Alright. So sign it.\n\nRight. Yep. Yep. Yep. Sweet.\n\nAwesome. And the date. Validate. Yep. Straight.\n\nI think I think that should be done. No. No. Yeah. Not changed.\n\nYeah. Just work. We'll yeah. That's about it. So the the value of the land's gone up considerably.\n\nYeah. You could safely say it's crazy, WA. It's mental because I'm because I'm building. The builder said that we'll get a valuation before the banks, and it was sort of coming in from 950 to 1.5. But 1.5 is probably a bit of a stretch.\n\nSo you can probably comfortably say a million. One million to one point one comfortably. Yeah. It is. It's great.\n\nYeah. Yep. So so that's cool. And then the my I o two ninety four because I paid out my Hilux in full because that was a leased vehicle. So I had to so yep.\n\nYep. I think it was 38. I had to pay $38,500 in the end because there was fees, because I've gone over k's, and you have to pay all back your GST because I broke the lease blah blah blah. Never doing that again. Sorry?\n\n0, yeah. Yep. Yeah. Haven't put many trades on it since. Been staying close to home, saving money.\n\nSo about that, yeah, still got the boat, still got all the horses. Don't tell the bank about the horses, though. Yeah. Yeah. Yeah.\n\nPaul, I haven't looked at them for a while because they do we'll take a big dive. I don't know why. Normally, gold's a safe place for people's money in the times of war and all that, but, yeah, it hasn't been the case. So they're probably seeing about 85. Oh, BHP, mind you, they've gone through the roof, but my gold shares haven't so I don't know what I would yeah.\n\nYeah. No. You can leave it because I don't think it'll be too much. No. No.\n\nAll good. Yeah. I'm with the HCF, and I pay a 190 a month. The extra Medicare. Maybe I still have to pay one.\n\nI don't, miss you. Yeah. That's that's probably that's great. No. No.\n\nI I was I did have a meeting with Carlos Ross or something. I remember I think they're a race, but I put them on hold because those things were changing. And then I figured so I don't have to pay more again to get it set up. I think I'll wait till my house is built, and then I'll do a proper will in that. And, yeah, and all that then because it's so full on when I was about to do it.\n\nIt's like 30 pages, and I was like, Jesus Christ. It's not the kind of thing I wanted to spend my time. Yeah. Yeah. Okay.\n\nCool. Cool. Sweet. No. Just build a house.\n\nJust build my dream home and, yeah, just keep enjoying life. Not too much of a plan, to be honest. Some might feel like, what's your three and five goal plan? I don't have one. I just wanna wake up tomorrow and keep propping off.\n\nSo that's alright. Yeah. Yeah. Things change. Yeah.\n\nYeah. Yeah. That's it. Just deal with things. So if I'm any worried that will happen, I was like, no.\n\nI'm not worried at all. But if it did, I'll deal with it then, and that's when I'll save energy for things as they happen. I don't waste energy for things that most of the time don't even come to fruition, whether it's a plan or something bad. You know? Like, I I can't involve the planning.\n\nEverything's unfolded pretty sweet in my life today, so I think yeah. Yeah. It's just gone like it's I pressed validate and it it all did, like, the wheel of this thing and and then it's going back to that same page where all the signatures are which I filled in. And it's not validate down the bottom, but you can't click it because it's kind of become a see through validate button there. But I I did press it, and it did, like, load or whatever, like, the wheel of death.\n\nBut yeah. Now do you want me to just press sign document again? Go back through? Yeah. Yep.\n\nReal easy. That's me. Yeah, mate. It needs to show what else? This?\n\nAlright. I'll get it sorted for you. Right now. I press invalidate again. It's loading.\n\nSo I go back to work work today. I'm too scared to look at my there you go. You'll get us signed up from it said it's signed. Download. Okay.\n\nSo I don't need to download it because you got a copy. Yeah. See. So I'm home from the seventh to the May 13. Is that too soon?\n\nFourteenth. Oh, the May 14 is the Thursday, isn't it? I'll fly back to work that day. I'm dated too, so I leave early morning. So we can leave it to the following break on '20 first to the twenty seventh.\n\nI'm home. Well, '20 first to the twenty fifth. So I'll probably fly to my new job on the twenty sixth. Wednesday, the thirteenth, I can do. Yeah.\n\nExcept for between nine and 10:30AM WA time I have an appointment. No. I'd be no. I'd be banging the middle of an appointment. Yeah.\n\nI can do that. I'm a I'm a early bird. I'm always off early. Yeah. Yes.\n\nWait. Too lazy. Awesome. Nah. All good.\n\nGood chat. Mhmm. Yeah. Cool. No worries.\n\nToo easy. Thanks, Veronica. Enjoy the rest of your day too. See you. Bye.\n\nThank you. Bye. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.024249397218227383},{"text":"Yes.","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.1195422261953354},{"text":"How are you going?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.16289913654327393},{"text":"I'm good.","start":6.96,"end":7.44,"sentiment":"positive","sentiment_score":0.4764072895050049},{"text":"Thanks.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5402364134788513}],"sentiment":"neutral","sentiment_score":0.2542710180083911,"num_words":9,"start":0.79999995,"end":7.7599998},{"sentences":[{"text":"Yourself?","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.26847749948501587},{"text":"That's good.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.5462156534194946},{"text":"Yeah.","start":17.915,"end":18.395,"sentiment":"neutral","sentiment_score":0.1151779294013977},{"text":"Yep.","start":18.395,"end":18.795,"sentiment":"neutral","sentiment_score":0.1646232306957245},{"text":"Sweet.","start":18.795,"end":19.295,"sentiment":"neutral","sentiment_score":0.3077526390552521}],"sentiment":"neutral","sentiment_score":0.32474376757939655,"num_words":6,"start":7.7599998,"end":19.295},{"sentences":[{"text":"Yep.","start":29.84,"end":30.16,"sentiment":"neutral","sentiment_score":0.06458684802055359},{"text":"No worries.","start":30.16,"end":30.9,"sentiment":"neutral","sentiment_score":0.10746506229043007},{"text":"Laura Davidson, '81.","start":39.6,"end":41.68,"sentiment":"neutral","sentiment_score":0.007476523208121459},{"text":"And what was the last one of my 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tomorrow.","start":54.215,"end":55.415,"sentiment":"neutral","sentiment_score":0.08208066721757253}],"sentiment":"neutral","sentiment_score":0.12758651172572916,"num_words":11,"start":51.335,"end":55.415},{"sentences":[{"text":"I was I'm just down at the horses with my little niece feeding up, and it's a beautiful morning here.","start":55.415,"end":62.24,"sentiment":"neutral","sentiment_score":0.16040752846747636},{"text":"Yeah.","start":62.38,"end":62.7,"sentiment":"neutral","sentiment_score":0.07189330458641052},{"text":"It's nice.","start":62.7,"end":63.420002,"sentiment":"neutral","sentiment_score":0.2757347822189331},{"text":"Like, no wind.","start":63.420002,"end":64.14,"sentiment":"neutral","sentiment_score":0.1524921158949534},{"text":"I don't really mind what the weather 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yeah.","start":123.83,"end":124.82001,"sentiment":"neutral","sentiment_score":-0.03322362154722214}],"sentiment":"neutral","sentiment_score":-0.1452384421193018,"num_words":41,"start":98.84499,"end":124.82001},{"sentences":[{"text":"No.","start":126.995,"end":127.155,"sentiment":"neutral","sentiment_score":-0.15020309388637543},{"text":"No.","start":127.155,"end":127.635,"sentiment":"neutral","sentiment_score":-0.231542706489563},{"text":"They they offered a bonus, a $30,000 bonus, and and not till January next year.","start":127.635,"end":133.315,"sentiment":"neutral","sentiment_score":-0.042509335776170096},{"text":"And, you know, base pay is all the banks care about.","start":133.315,"end":136.915,"sentiment":"neutral","sentiment_score":-0.017926813357255676},{"text":"So I was like, yeah.","start":136.915,"end":138.615,"sentiment":"neutral","sentiment_score":-0.033181102573871614}],"sentiment":"neutral","sentiment_score":-0.04189352414598971,"num_words":33,"start":126.995,"end":138.615},{"sentences":[{"text":"Yeah.","start":139.38,"end":139.78,"sentiment":"neutral","sentiment_score":-0.0151091068983078},{"text":"I've I've put it to them and, yeah, that was like, no.","start":139.78,"end":143.08,"sentiment":"neutral","sentiment_score":-0.15260875783860683},{"text":"They just they just sit on things for too long, and I can't afford to sit on this.","start":143.14,"end":148.44,"sentiment":"neutral","sentiment_score":-0.3052922048502498},{"text":"Otherwise, I won't get my house built.","start":150.26,"end":152.12,"sentiment":"negative","sentiment_score":-0.34291601181030273},{"text":"So 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yeah.","start":181.04001,"end":181.96,"sentiment":"neutral","sentiment_score":0.20825641602277756}],"sentiment":"neutral","sentiment_score":0.282640997207526,"num_words":33,"start":174.36,"end":181.96},{"sentences":[{"text":"Let's do it.","start":181.96,"end":182.835,"sentiment":"neutral","sentiment_score":0.23142447570959726},{"text":"One of the dreams to build a house.","start":183.395,"end":185.015,"sentiment":"neutral","sentiment_score":0.18448180705308914},{"text":"At Bomingo.","start":187.955,"end":188.695,"sentiment":"neutral","sentiment_score":0.03151183854788542},{"text":"Yeah.","start":193.875,"end":194.195,"sentiment":"neutral","sentiment_score":0.02332085184752941},{"text":"They're WA based, but they're they're a global company as well.","start":194.195,"end":197.315,"sentiment":"neutral","sentiment_score":0.044418861412189224}],"sentiment":"neutral","sentiment_score":0.10980319552123546,"num_words":25,"start":181.96,"end":197.315},{"sentences":[{"text":"So, like, they're all over.","start":197.315,"end":198.81,"sentiment":"neutral","sentiment_score":0.016443881019949914},{"text":"Yeah.","start":200.41,"end":200.91,"sentiment":"neutral","sentiment_score":-0.009664567187428474},{"text":"No.","start":208.56999,"end":208.81,"sentiment":"neutral","sentiment_score":-0.07658715546131134},{"text":"I'm still the underground shift supervisor, and they sort of offered me training and moving to a role of superintendent, but that won't be happening sort of officially, I guess, in maybe next year or something, which is fine because I love shift, I think.","start":208.81,"end":222.985,"sentiment":"neutral","sentiment_score":0.05945713511771626},{"text":"But, yeah, it will be a good career move as well.","start":222.985,"end":225.64,"sentiment":"positive","sentiment_score":0.45993436060168524}],"sentiment":"neutral","sentiment_score":0.12271137665661555,"num_words":63,"start":197.315,"end":225.64},{"sentences":[{"text":"The base is $2.52, and then $10,000 final bonus, and they have an annual bonus, which is up to 15% of your base.","start":233.38,"end":245.895,"sentiment":"neutral","sentiment_score":0.18755861242180286},{"text":"What do you mean?","start":258.47998,"end":259.52,"sentiment":"neutral","sentiment_score":-0.018528521992266178},{"text":"Sorry.","start":259.52,"end":260.02,"sentiment":"neutral","sentiment_score":-0.06038527190685272},{"text":"Oh, I'm I'm not too sure.","start":267.155,"end":270.055,"sentiment":"neutral","sentiment_score":-0.03991195714722077},{"text":"I think my it might have been written in the letter of offer and that and and all those details, but, you know, superannuation stuff, I sent a scheme over because 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yeah.","start":1124.18,"end":1124.7401,"sentiment":"neutral","sentiment_score":0.03292725794017315},{"text":"That's about it.","start":1124.7401,"end":1125.8,"sentiment":"neutral","sentiment_score":0.031069446975986164},{"text":"So the the value of the land's gone up considerably.","start":1141.255,"end":1144.875,"sentiment":"neutral","sentiment_score":-0.023434402607381343}],"sentiment":"neutral","sentiment_score":0.00007817532039350933,"num_words":18,"start":1122.7401,"end":1144.875},{"sentences":[{"text":"Yeah.","start":1146.87,"end":1147.11,"sentiment":"neutral","sentiment_score":0.1361239105463028},{"text":"You could safely say it's crazy, WA.","start":1147.11,"end":1149.8301,"sentiment":"neutral","sentiment_score":0.0873016289302281},{"text":"It's mental because I'm because I'm building.","start":1149.8301,"end":1152.15,"sentiment":"neutral","sentiment_score":0.03237332496792078},{"text":"The builder said that we'll get a valuation before the banks, and it was sort of coming in from 950 to 1.5.","start":1152.15,"end":1159.5901,"sentiment":"neutral","sentiment_score":0.018553509884937244},{"text":"But 1.5 is probably a bit of a stretch.","start":1159.5901,"end":1161.825,"sentiment":"neutral","sentiment_score":0.003291653883126047}],"sentiment":"neutral","sentiment_score":0.030688058483697798,"num_words":46,"start":1146.87,"end":1161.825},{"sentences":[{"text":"So you can probably comfortably say a million.","start":1161.825,"end":1163.765,"sentiment":"neutral","sentiment_score":0.032616127049550414},{"text":"One million to one point one comfortably.","start":1164.465,"end":1166.705,"sentiment":"neutral","sentiment_score":0.0788064638950995},{"text":"Yeah.","start":1166.705,"end":1167.105,"sentiment":"neutral","sentiment_score":0.15943601727485657},{"text":"It is.","start":1167.105,"end":1167.505,"sentiment":"positive","sentiment_score":0.3418525159358978},{"text":"It's great.","start":1167.505,"end":1168.1649,"sentiment":"positive","sentiment_score":0.7205171585083008}],"sentiment":"neutral","sentiment_score":0.1548374814912677,"num_words":20,"start":1161.825,"end":1168.1649},{"sentences":[{"text":"Yeah.","start":1171.585,"end":1172.085,"sentiment":"neutral","sentiment_score":0.0785263404250145},{"text":"Yep.","start":1172.385,"end":1172.865,"sentiment":"neutral","sentiment_score":0.12018828094005583},{"text":"So so that's cool.","start":1172.865,"end":1174.64,"sentiment":"neutral","sentiment_score":0.2629469595849514},{"text":"And then the my I o two ninety four because I paid out my Hilux in full because that was a leased vehicle.","start":1175.26,"end":1181.74,"sentiment":"neutral","sentiment_score":0.04327408110965853},{"text":"So I had to so yep.","start":1181.74,"end":1188.7201,"sentiment":"neutral","sentiment_score":0.01265616916740934}],"sentiment":"neutral","sentiment_score":0.06633552400661366,"num_words":35,"start":1171.585,"end":1188.7201},{"sentences":[{"text":"Yep.","start":1189.065,"end":1189.565,"sentiment":"neutral","sentiment_score":0.08852680772542953},{"text":"I think it was 38.","start":1189.625,"end":1190.6649,"sentiment":"neutral","sentiment_score":0.050448468327522276},{"text":"I had to pay $38,500 in the end because there was fees, because I've gone over k's, and you have to pay all back your GST because I broke the lease blah blah blah.","start":1190.6649,"end":1199.885,"sentiment":"neutral","sentiment_score":-0.010622065863572061},{"text":"Never doing that again.","start":1201.1449,"end":1202.365,"sentiment":"neutral","sentiment_score":-0.035502654034644365},{"text":"Sorry?","start":1206.8,"end":1207.3,"sentiment":"neutral","sentiment_score":-0.04514644667506218}],"sentiment":"neutral","sentiment_score":-0.004611958951378862,"num_words":45,"start":1189.065,"end":1207.3},{"sentences":[{"text":"0, yeah.","start":1209.2001,"end":1210.42,"sentiment":"neutral","sentiment_score":-0.015300167724490166},{"text":"Yep.","start":1211.04,"end":1211.52,"sentiment":"neutral","sentiment_score":0.009542619809508324},{"text":"Yeah.","start":1211.52,"end":1211.76,"sentiment":"neutral","sentiment_score":0.007622230798006058},{"text":"Haven't put many trades on it since.","start":1211.76,"end":1213.28,"sentiment":"neutral","sentiment_score":-0.0015015647347484313},{"text":"Been staying close to home, saving money.","start":1213.28,"end":1215.2201,"sentiment":"neutral","sentiment_score":0.024129987561276982}],"sentiment":"neutral","sentiment_score":0.008053526385790773,"num_words":18,"start":1209.2001,"end":1215.2201},{"sentences":[{"text":"So about that, yeah, still got the boat, still got all the horses.","start":1216.4801,"end":1219.8601,"sentiment":"neutral","sentiment_score":0.008254754858521314},{"text":"Don't tell the bank about the horses, 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case.","start":1237.65,"end":1245.33,"sentiment":"neutral","sentiment_score":-0.1099186995593102},{"text":"So they're probably seeing about 85.","start":1245.33,"end":1248.0449,"sentiment":"neutral","sentiment_score":-0.06210657333334287},{"text":"Oh, BHP, mind you, they've gone through the roof, but my gold shares haven't so I don't know what I would yeah.","start":1248.0449,"end":1255.4249,"sentiment":"neutral","sentiment_score":-0.0308610110078007}],"sentiment":"neutral","sentiment_score":-0.09391413317967413,"num_words":72,"start":1233.65,"end":1255.4249},{"sentences":[{"text":"Yeah.","start":1258.845,"end":1259.345,"sentiment":"neutral","sentiment_score":0.042529813945293427},{"text":"No.","start":1260.205,"end":1260.445,"sentiment":"neutral","sentiment_score":-0.01036002952605486},{"text":"You can leave it because I don't think it'll be too much.","start":1260.445,"end":1269.2,"sentiment":"neutral","sentiment_score":0.010021721478551626},{"text":"No.","start":1270.0599,"end":1270.5599,"sentiment":"neutral","sentiment_score":-0.017884157598018646},{"text":"No.","start":1271.8999,"end":1272.2999,"sentiment":"neutral","sentiment_score":0.07271687686443329}],"sentiment":"neutral","sentiment_score":0.012953947589267045,"num_words":16,"start":1258.845,"end":1272.2999},{"sentences":[{"text":"All good.","start":1272.2999,"end":1273.0399,"sentiment":"neutral","sentiment_score":0.18219006806612015},{"text":"Yeah.","start":1276.355,"end":1276.855,"sentiment":"neutral","sentiment_score":0.09178346395492554},{"text":"I'm with the HCF, and I pay a 190 a month.","start":1276.9149,"end":1280.615,"sentiment":"neutral","sentiment_score":0.15096831931309265},{"text":"The extra Medicare.","start":1288.3,"end":1289.66,"sentiment":"neutral","sentiment_score":0.1537285546461741},{"text":"Maybe I still have to pay one.","start":1289.66,"end":1291.28,"sentiment":"neutral","sentiment_score":0.037960982748440335}],"sentiment":"neutral","sentiment_score":0.11848865232119958,"num_words":24,"start":1272.2999,"end":1291.28},{"sentences":[{"text":"I don't, miss you.","start":1293.66,"end":1294.8,"sentiment":"neutral","sentiment_score":0.08472853619605303},{"text":"Yeah.","start":1295.9,"end":1296.4,"sentiment":"neutral","sentiment_score":0.09364041686058044},{"text":"That's that's probably that's great.","start":1297.42,"end":1298.9601,"sentiment":"neutral","sentiment_score":0.19594355821609497},{"text":"No.","start":1305.2849,"end":1305.6849,"sentiment":"neutral","sentiment_score":-0.06349420547485352},{"text":"No.","start":1305.6849,"end":1305.845,"sentiment":"neutral","sentiment_score":-0.07099047303199768}],"sentiment":"neutral","sentiment_score":0.10648230618486802,"num_words":12,"start":1293.66,"end":1305.845},{"sentences":[{"text":"I I was I did have a meeting with Carlos Ross or something.","start":1305.845,"end":1312.505,"sentiment":"neutral","sentiment_score":-0.04755007532926706},{"text":"I remember I think they're a race, but I put them on hold because those things were changing.","start":1312.965,"end":1317.37,"sentiment":"neutral","sentiment_score":-0.08304238795406288},{"text":"And then I figured so I don't have to pay more again to get it set up.","start":1317.83,"end":1321.83,"sentiment":"neutral","sentiment_score":0.011144505265881033},{"text":"I think I'll wait till my house is built, and then I'll do a proper will in that.","start":1321.83,"end":1326.17,"sentiment":"neutral","sentiment_score":0.04306092092560397},{"text":"And, yeah, and all that then because it's so full on when I was about to do it.","start":1327.275,"end":1332.7151,"sentiment":"neutral","sentiment_score":0.03415732939417163}],"sentiment":"neutral","sentiment_score":-0.006351534133067443,"num_words":84,"start":1305.845,"end":1332.7151},{"sentences":[{"text":"It's like 30 pages, and I was like, Jesus Christ.","start":1332.7151,"end":1335.935,"sentiment":"neutral","sentiment_score":0.006995382532477379},{"text":"It's not the kind of thing I wanted to spend my 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no.","start":1404.64,"end":1406.3201,"sentiment":"neutral","sentiment_score":-0.013419573893770576}],"sentiment":"neutral","sentiment_score":0.013730253605172039,"num_words":20,"start":1400.7201,"end":1406.3201},{"sentences":[{"text":"I'm not worried at all.","start":1406.3201,"end":1407.12,"sentiment":"neutral","sentiment_score":-0.0009311523288488395},{"text":"But if it did, I'll deal with it then, and that's when I'll save energy for things as they happen.","start":1407.12,"end":1412.7201,"sentiment":"neutral","sentiment_score":0.19164218036457897},{"text":"I don't waste energy for things that most of the time don't even come to fruition, whether it's a plan or something bad.","start":1412.7201,"end":1418.4751,"sentiment":"neutral","sentiment_score":-0.015395508147776127},{"text":"You know?","start":1418.4751,"end":1418.875,"sentiment":"neutral","sentiment_score":-0.014750479720532894},{"text":"Like, I I can't involve the planning.","start":1418.875,"end":1421.295,"sentiment":"neutral","sentiment_score":-0.08853540010750294}],"sentiment":"neutral","sentiment_score":0.04955863856236663,"num_words":57,"start":1406.3201,"end":1421.295},{"sentences":[{"text":"Everything's unfolded pretty sweet in my life today, so I think yeah.","start":1422.0751,"end":1426.43,"sentiment":"positive","sentiment_score":0.508577891625464},{"text":"Yeah.","start":1432.2676,"end":1432.7676,"sentiment":"neutral","sentiment_score":-0.0034258421510457993},{"text":"It's just gone like it's I pressed validate and it it all did, like, the wheel of this thing and and then it's going back to that same page where all the signatures are which I filled in.","start":1441.645,"end":1452.12,"sentiment":"neutral","sentiment_score":-0.010453499381822584},{"text":"And it's not validate down the bottom, but you can't click it because it's kind of become a see through validate button there.","start":1452.2,"end":1457.26,"sentiment":"neutral","sentiment_score":-0.05838678437082664},{"text":"But I I did press it, and it did, like, load or whatever, like, the wheel of death.","start":1459.24,"end":1464.435,"sentiment":"neutral","sentiment_score":-0.056294624900652304}],"sentiment":"neutral","sentiment_score":0.03637039774026641,"num_words":92,"start":1422.0751,"end":1464.435},{"sentences":[{"text":"But yeah.","start":1464.435,"end":1465.32,"sentiment":"neutral","sentiment_score":0.015071991831064224},{"text":"Now do you want me to just press sign document again?","start":1465.32,"end":1471.155,"sentiment":"neutral","sentiment_score":0.005338825962760232},{"text":"Go back through?","start":1471.155,"end":1472.0549,"sentiment":"neutral","sentiment_score":-0.003561086797465881},{"text":"Yeah.","start":1487.32,"end":1487.72,"sentiment":"neutral","sentiment_score":0.07936836779117584},{"text":"Yep.","start":1487.72,"end":1488.22,"sentiment":"neutral","sentiment_score":0.13651470839977264}],"sentiment":"neutral","sentiment_score":0.016337271391724546,"num_words":18,"start":1464.435,"end":1488.22},{"sentences":[{"text":"Real easy.","start":1489.0,"end":1489.7999,"sentiment":"neutral","sentiment_score":0.22619864344596863},{"text":"That's me.","start":1489.7999,"end":1490.62,"sentiment":"neutral","sentiment_score":0.15619243681430817},{"text":"Yeah, mate.","start":1490.6799,"end":1491.4199,"sentiment":"neutral","sentiment_score":0.06300771236419678},{"text":"It needs to show what 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loading.","start":1502.615,"end":1503.1951,"sentiment":"neutral","sentiment_score":0.016551039647310972}],"sentiment":"neutral","sentiment_score":0.04986434895545244,"num_words":15,"start":1494.775,"end":1503.1951},{"sentences":[{"text":"So I go back to work work today.","start":1518.41,"end":1521.055,"sentiment":"neutral","sentiment_score":0.040287680458277464},{"text":"I'm too scared to look at my there you go.","start":1521.055,"end":1523.4551,"sentiment":"neutral","sentiment_score":-0.13571812361478805},{"text":"You'll get us signed up from it said it's signed.","start":1523.4551,"end":1525.795,"sentiment":"neutral","sentiment_score":0.03287258967757225},{"text":"Download.","start":1525.935,"end":1526.435,"sentiment":"neutral","sentiment_score":0.01618998311460018},{"text":"Okay.","start":1527.2151,"end":1527.535,"sentiment":"neutral","sentiment_score":0.0210849791765213}],"sentiment":"neutral","sentiment_score":-0.022295964447160563,"num_words":30,"start":1518.41,"end":1527.535},{"sentences":[{"text":"So I don't need to download it because you got a copy.","start":1527.535,"end":1530.8351,"sentiment":"neutral","sentiment_score":-0.006213608935164909},{"text":"Yeah.","start":1535.23,"end":1535.5499,"sentiment":"neutral","sentiment_score":0.0642460286617279},{"text":"See.","start":1535.5499,"end":1535.95,"sentiment":"neutral","sentiment_score":0.04033952206373215},{"text":"So I'm home from the seventh to the May 13.","start":1535.95,"end":1538.8301,"sentiment":"neutral","sentiment_score":0.012825306039303541},{"text":"Is that too soon?","start":1538.83,"end":1539.8099,"sentiment":"neutral","sentiment_score":-0.03384623723104596}],"sentiment":"neutral","sentiment_score":0.0008175126775833112,"num_words":28,"start":1527.535,"end":1539.8099},{"sentences":[{"text":"Fourteenth.","start":1557.055,"end":1557.555,"sentiment":"neutral","sentiment_score":0.0012803534045815468},{"text":"Oh, the May 14 is the Thursday, isn't it?","start":1558.655,"end":1561.295,"sentiment":"neutral","sentiment_score":-0.0038537614875369603},{"text":"I'll fly back to work that day.","start":1561.295,"end":1562.5751,"sentiment":"neutral","sentiment_score":0.03794596583715507},{"text":"I'm dated too, so I leave early morning.","start":1562.5751,"end":1564.755,"sentiment":"neutral","sentiment_score":0.005767831113189459},{"text":"So we can leave it to the following break on '20 first to the twenty 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appointment.","start":1608.465,"end":1610.725,"sentiment":"neutral","sentiment_score":-0.24964719265699387},{"text":"Yeah.","start":1619.54,"end":1619.7,"sentiment":"neutral","sentiment_score":0.015580330044031143}],"sentiment":"neutral","sentiment_score":-0.11456793703138829,"num_words":25,"start":1586.5651,"end":1619.7},{"sentences":[{"text":"I can do that.","start":1619.7,"end":1620.58,"sentiment":"neutral","sentiment_score":0.18434865772724152},{"text":"I'm a I'm a early bird.","start":1620.58,"end":1621.86,"sentiment":"neutral","sentiment_score":0.13079537947972616},{"text":"I'm always off early.","start":1621.86,"end":1623.08,"sentiment":"neutral","sentiment_score":0.08779379911720753},{"text":"Yeah.","start":1629.7,"end":1630.2,"sentiment":"positive","sentiment_score":0.4665003418922424},{"text":"Yes.","start":1650.06,"end":1650.46,"sentiment":"neutral","sentiment_score":0.07331381738185883}],"sentiment":"neutral","sentiment_score":0.1508222664706409,"num_words":16,"start":1619.7,"end":1650.46},{"sentences":[{"text":"Wait.","start":1650.46,"end":1650.86,"sentiment":"neutral","sentiment_score":0.04216308519244194},{"text":"Too lazy.","start":1650.86,"end":1651.6,"sentiment":"neutral","sentiment_score":-0.27579762041568756},{"text":"Awesome.","start":1652.78,"end":1653.28,"sentiment":"positive","sentiment_score":0.6062111258506775},{"text":"Nah.","start":1658.78,"end":1659.18,"sentiment":"neutral","sentiment_score":0.06549171358346939},{"text":"All good.","start":1659.18,"end":1659.92,"sentiment":"neutral","sentiment_score":0.25378426909446716}],"sentiment":"neutral","sentiment_score":0.09569131742630686,"num_words":7,"start":1650.46,"end":1659.92},{"sentences":[{"text":"Good chat.","start":1660.3,"end":1660.935,"sentiment":"neutral","sentiment_score":0.3158465325832367},{"text":"Mhmm.","start":1668.535,"end":1668.6951,"sentiment":"neutral","sentiment_score":0.08461494743824005},{"text":"Yeah.","start":1668.6951,"end":1669.0951,"sentiment":"neutral","sentiment_score":0.15120092034339905},{"text":"Cool.","start":1669.0951,"end":1669.5951,"sentiment":"positive","sentiment_score":0.3749181032180786},{"text":"No worries.","start":1675.429,"end":1675.9089,"sentiment":"neutral","sentiment_score":0.3254331946372986}],"sentiment":"neutral","sentiment_score":0.27047048934868406,"num_words":7,"start":1660.3,"end":1675.9089},{"sentences":[{"text":"Too easy.","start":1675.9089,"end":1676.3889,"sentiment":"positive","sentiment_score":0.4874987006187439},{"text":"Thanks, Veronica.","start":1676.3889,"end":1677.1089,"sentiment":"positive","sentiment_score":0.7021661996841431},{"text":"Enjoy the rest of your day too.","start":1677.1089,"end":1678.569,"sentiment":"positive","sentiment_score":0.6199689252035958},{"text":"See you.","start":1679.1089,"end":1679.8489,"sentiment":"neutral","sentiment_score":0.14102037250995636},{"text":"Bye.","start":1680.2289,"end":1680.4689,"sentiment":"neutral","sentiment_score":0.13170942664146423}],"sentiment":"positive","sentiment_score":0.5094901749065944,"num_words":14,"start":1675.9089,"end":1680.4689},{"sentences":[{"text":"Thank you.","start":1680.4689,"end":1680.789,"sentiment":"positive","sentiment_score":0.5429957211017609},{"text":"Bye.","start":1680.789,"end":1681.2689,"sentiment":"neutral","sentiment_score":0.2413291782140732},{"text":"Bye.","start":1681.2689,"end":1681.7689,"sentiment":"neutral","sentiment_score":0.16417233645915985},{"text":"Bye.","start":1682.7089,"end":1683.2089,"sentiment":"neutral","sentiment_score":-0.11451421678066254}],"sentiment":"neutral","sentiment_score":0.27539574801921846,"num_words":5,"start":1680.4689,"end":1683.2089}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Loretta?\n\nChannel 1: Yes. How are you going?\n\nChannel 0: It's Veronica. How are you?\n\nChannel 1: I'm good. Thanks. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: had you booked in this morning for a a bit of a catch up and two go through your interview. Is now still a good time for you?\n\nChannel 1: Yeah. Yep. Sweet.\n\nChannel 0: Perfect. Now just just as per usual, before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. And even though I can hear that, if it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: Laura Davidson, '81. And what was the last one of my address?\n\nChannel 0: Yes, please.\n\nChannel 1: 426 Henderson Road, Hopeland,\n\nChannel 0: Yep. Perfect.\n\nChannel 1: WA.\n\nChannel 0: And how's how's your morning been?\n\nChannel 1: You're good.\n\nChannel 0: Have the\n\nChannel 1: Yeah.\n\nChannel 0: have the\n\nChannel 1: Good.\n\nChannel 0: day off today?\n\nChannel 1: Yeah. I'll fly back to work tomorrow. I was I'm\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: no.\n\nChannel 1: down at the horses with my little niece feeding up,\n\nChannel 0: Lovely.\n\nChannel 1: and\n\nChannel 0: Good\n\nChannel 1: it's\n\nChannel 0: good\n\nChannel 1: a\n\nChannel 0: weather\n\nChannel 1: beautiful\n\nChannel 0: for you guys.\n\nChannel 1: morning here.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: really?\n\nChannel 1: It's nice. Like, no wind. I don't really mind what the weather is. If there's no wind, I'm happy.\n\nChannel 0: Yes. So it's been\n\nChannel 1: And\n\nChannel 0: a bit\n\nChannel 1: there's\n\nChannel 0: miserable\n\nChannel 1: none.\n\nChannel 0: here this\n\nChannel 1: It's\n\nChannel 0: week. It's just been constant\n\nChannel 1: oh,\n\nChannel 0: rain,\n\nChannel 1: is\n\nChannel 0: and you just\n\nChannel 1: it? Yeah.\n\nChannel 0: just like when it goes for a week and a bit, you're like, okay. Give me some sunshine\n\nChannel 1: Yeah.\n\nChannel 0: now.\n\nChannel 1: Yeah. It's it's getting dreary.\n\nChannel 0: Yeah. Now with your annual review, I also have that we wanted to kind of touch base on your insurances as well now because it's obviously been some time that we can reassess it.\n\nChannel 1: Yeah. Yep. I'm I'm in the middle of changing employers as well.\n\nChannel 0: Okay.\n\nChannel 1: So that might change that a bit.\n\nChannel 0: Yes.\n\nChannel 1: I probably will be giving my notice tomorrow. Just\n\nChannel 0: Okay.\n\nChannel 1: trying to build a house over here, and it's super expensive. So I've just gone to someone that's having to\n\nChannel 0: Okay. And\n\nChannel 1: pay\n\nChannel 0: because I know as well, I think last time we spoke,\n\nChannel 1: lots\n\nChannel 0: they were looking at changing some agreements\n\nChannel 1: more.\n\nChannel 0: and potentially, like, a bit of a pay increase and stuff.\n\nChannel 1: So yeah.\n\nChannel 0: Mhmm. That didn't kind of work out\n\nChannel 1: No.\n\nChannel 0: as\n\nChannel 1: No.\n\nChannel 0: much.\n\nChannel 1: They they offered a bonus, a $30,000\n\nChannel 0: Right.\n\nChannel 1: bonus, and and not till January next year.\n\nChannel 0: Right.\n\nChannel 1: And, you know, base pay\n\nChannel 0: Yeah.\n\nChannel 1: is all the banks care about. So I was like,\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: 100%.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I've I've put it to them and, yeah, that was like, no. They just they just sit on things for too long, and I\n\nChannel 0: Yeah.\n\nChannel 1: can't afford to sit on this. Otherwise, I won't get my house built.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: Exactly.\n\nChannel 1: yeah.\n\nChannel 0: Now\n\nChannel 1: I want\n\nChannel 0: have you started\n\nChannel 1: in\n\nChannel 0: interview\n\nChannel 1: a\n\nChannel 0: process and stuff?\n\nChannel 1: bit. Beg your pardon?\n\nChannel 0: Have you started, like, the interview process yet?\n\nChannel 1: I've I've done all the medical and yeah. It's\n\nChannel 0: Oh,\n\nChannel 1: a\n\nChannel 0: perfect.\n\nChannel 1: someone I've previously worked for, so I didn't really have to go for interviewing. They just\n\nChannel 0: Oh, oh, good.\n\nChannel 1: were sort\n\nChannel 0: They're\n\nChannel 1: of\n\nChannel 0: like,\n\nChannel 1: head\n\nChannel 0: yes.\n\nChannel 1: hugging me, which\n\nChannel 0: We\n\nChannel 1: is\n\nChannel 0: want\n\nChannel 1: nice.\n\nChannel 0: to.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: And then sort of upping the offer until it was yeah. Nice. And they did offer a sign on bonus as well, so that kinda\n\nChannel 0: Oh,\n\nChannel 1: sealed the deal. I was like, yeah.\n\nChannel 0: yeah.\n\nChannel 1: Let's do it.\n\nChannel 0: And\n\nChannel 1: One of the dreams to build\n\nChannel 0: what\n\nChannel 1: a house.\n\nChannel 0: what's yeah. What's the new company called?\n\nChannel 1: At Bomingo.\n\nChannel 0: Okay. And that's also over in\n\nChannel 1: Yeah. They're WA based, but they're they're a global company as well. So, like, they're all over.\n\nChannel 0: WA? And\n\nChannel 1: Yeah.\n\nChannel 0: were you still kind of through similar roles, like the undergrad shift supervisor, or is it gonna be a little bit different?\n\nChannel 1: No. I'm still the underground shift supervisor,\n\nChannel 0: Mhmm.\n\nChannel 1: and they sort of offered me training and moving to a role of superintendent, but that won't be happening sort of officially, I guess, in maybe next year or something, which is fine because I love shift, I think.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, it\n\nChannel 0: Yeah.\n\nChannel 1: will be a good career move as well.\n\nChannel 0: Oh, nice. And what kind of income will you be on when you start that?\n\nChannel 1: The base is $2.52,\n\nChannel 0: Yep. $2.50\n\nChannel 1: and then\n\nChannel 0: 3.\n\nChannel 1: $10,000 final bonus,\n\nChannel 0: Yep.\n\nChannel 1: and they have an annual bonus, which is up to 15% of your base.\n\nChannel 0: Oh, nice. And do you know if with the bonus, whether they will pay contributions on top of that? Do you know?\n\nChannel 1: What do you mean? Sorry.\n\nChannel 0: So yeah. So often with bonuses, employers will pay contributions into super on top of it. So\n\nChannel 1: Oh,\n\nChannel 0: if you\n\nChannel 1: I'm\n\nChannel 0: bonus\n\nChannel 1: I'm\n\nChannel 0: yeah.\n\nChannel 1: not too sure.\n\nChannel 0: No. That's okay.\n\nChannel 1: I think my it might have been written in the letter of offer and that and and all those details, but, you know, superannuation stuff, I sent a scheme over because\n\nChannel 0: Most people are just like, yeah. No. Like, they don't\n\nChannel 1: yeah.\n\nChannel 0: think about\n\nChannel 1: Whatever.\n\nChannel 0: it.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: think you think,\n\nChannel 0: No.\n\nChannel 1: god, there's not I'm not you don't know the chance of making that far in your life. So you think, oh, yeah. Like, it's great to build it, but then I think, oh, well, not sure\n\nChannel 0: Yes.\n\nChannel 1: if\n\nChannel 0: Yeah.\n\nChannel 1: I'll ever see it.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: if\n\nChannel 1: you\n\nChannel 0: I\n\nChannel 1: sort\n\nChannel 0: get\n\nChannel 1: of\n\nChannel 0: extra,\n\nChannel 1: think\n\nChannel 0: then beautiful.\n\nChannel 1: yeah.\n\nChannel 0: And it could also be so with the income as well because and they just offer, like, that standard 12% rate, I imagine, like, employer\n\nChannel 1: Yeah.\n\nChannel 0: contribution\n\nChannel 1: I think it\n\nChannel 0: wise.\n\nChannel 1: says in\n\nChannel 0: Yeah.\n\nChannel 1: the letter of offer, $30,000.\n\nChannel 0: Yes.\n\nChannel 1: Super.\n\nChannel 0: Be\n\nChannel 1: Yep.\n\nChannel 0: perfect. Because that was going to be my next question because because you the income have gone up, which is fantastic, it means that you're actually now exceeding their concessional contribution cap. So\n\nChannel 1: Yep.\n\nChannel 0: most employers so if we do $2.52 at\n\nChannel 1: Yep.\n\nChannel 0: 12%, that's 30,240.\n\nChannel 1: Yep.\n\nChannel 0: Now most employer because legally, they only have to pay up to the cap, which is 30,000. Most employers do stop at 30,000. So if in your letter, it did say 30,000,\n\nChannel 1: Yeah. I\n\nChannel 0: I\n\nChannel 1: did.\n\nChannel 0: will note that they do stop at the cap.\n\nChannel 1: Yeah.\n\nChannel 0: Sometimes\n\nChannel 1: Cool.\n\nChannel 0: employers do go over most of the time because they just have to pay up to 30,000, they just pay 30,000.\n\nChannel 1: Yeah. Sorry. Is that so\n\nChannel 0: So,\n\nChannel 1: I avoid a division two nine three?\n\nChannel 0: unfortunately, not. Still have to pay that one. It's at least in avoiding other tax. Because if you do exceed the the cap\n\nChannel 1: Yep.\n\nChannel 0: on contributions above the cap, you'd have to pay more tax, not\n\nChannel 1: Yeah.\n\nChannel 0: the reduced 15%. It will be kind of classified as your nonconcessional, so you'd have to pay your marginal tax rate on that.\n\nChannel 1: Yeah.\n\nChannel 0: So that's why, usually, they kind of stop. So, unfortunately, because the the division two nine three is income as well as contribution over $2.50, you have to pay it. Because on your income alone, you will unfortunately exceed that. So it kind of sucks because, yeah, you can get great income, but you do have to pay the tax,\n\nChannel 1: Party\n\nChannel 0: unfortunately.\n\nChannel 1: government.\n\nChannel 0: Right?\n\nChannel 1: It's\n\nChannel 0: Now\n\nChannel 1: what\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: can\n\nChannel 1: is.\n\nChannel 0: obviously, at the time, you can elect it to have it pay personally or through super. So when you do get the letter, just let us know what you wanna do.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Alright. Perfect. And when will you start that?\n\nChannel 1: The so if I hand my notes I'm just waiting on my police check. It takes\n\nChannel 0: Mhmm.\n\nChannel 1: longer than normal because it's got a it's got so it's so minimal. It's a $75 speeding charge, but so it was a lot more than that, but I forwarded in court because I wasn't doing the alleged speed. I was like, there's I've\n\nChannel 0: Yeah.\n\nChannel 1: had cruise control on. There's a new car. The cock was being a real dick, and I was just like he said I was on a 133. I was like, I simply was not. And\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: And the\n\nChannel 1: Anyway,\n\nChannel 0: cockropper\n\nChannel 1: so I was\n\nChannel 0: doctor.\n\nChannel 1: yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I took it to court, and it took\n\nChannel 0: Mhmm.\n\nChannel 1: two years and\n\nChannel 0: Jeez.\n\nChannel 1: pissed him off a lot. But I was like, mate,\n\nChannel 0: Yeah.\n\nChannel 1: this is why\n\nChannel 0: You're\n\nChannel 1: we have\n\nChannel 0: fine.\n\nChannel 1: a justice system on.\n\nChannel 0: Yeah.\n\nChannel 1: And yeah. And and I won, and I had said to the magistrate.\n\nChannel 0: Oh,\n\nChannel 1: I was like,\n\nChannel 0: good.\n\nChannel 1: I know I wasn't doing that because I had my cruise control set on a 100 and\n\nChannel 0: Yeah.\n\nChannel 1: 15, just over one 10.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I got a five kilometer over fine, which is 75, but that appears on my record because it went through the course, which is fine. I\n\nChannel 0: Yeah.\n\nChannel 1: mean, I don't know. Yeah. I\n\nChannel 0: Didn't\n\nChannel 1: think\n\nChannel 0: do anything wrong. Yeah. It's just\n\nChannel 1: no. But\n\nChannel 0: tedious.\n\nChannel 1: they then they take\n\nChannel 0: Yeah.\n\nChannel 1: a week or two to look at the CVT test, and then they're like, you know, So I had one a year ago in the past. I haven't done anything criminal in the last twelve months.\n\nChannel 0: Good.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: so all going well.\n\nChannel 0: Yeah.\n\nChannel 1: I will be hanging my notes in, so I'll just bring out roster. Tomorrow, the thirtieth of my last day would be the twentieth, and I would\n\nChannel 0: Mhmm.\n\nChannel 1: assume that I start work on the May 26 with a new company.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. And with the new employer, just let us know, obviously, if you need the employer contribution form again to to hand in to them, and\n\nChannel 1: Sorry.\n\nChannel 0: we can\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: missed that\n\nChannel 0: that.\n\nChannel 1: first week. I need about a form\n\nChannel 0: The contribution form,\n\nChannel 1: that I get off the employee. Yeah.\n\nChannel 0: Yeah. Would you like us to email that through you? Or when when it's ready, let us know if you do need the details?\n\nChannel 1: Yeah. Yeah. Okay. Cool. If you yeah.\n\nIf\n\nChannel 0: Yep.\n\nChannel 1: you can email it, please.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: because I'll probably stick with Plum because Plum is so good.\n\nChannel 0: Yes. And I was\n\nChannel 1: You know?\n\nChannel 0: having a look at that as well because, also, do you know and it might not be yet. So, obviously, with your current employer,\n\nChannel 1: Yep.\n\nChannel 0: you do so, so, actually, what I might do is do you have access to your emails at the moment, Loretta?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you could open your email for me, I did just send you an email\n\nChannel 1: With\n\nChannel 0: at with some attachment.\n\nChannel 1: the attachment.\n\nChannel 0: And while\n\nChannel 1: And\n\nChannel 0: we are\n\nChannel 1: what\n\nChannel 0: talking\n\nChannel 1: were I talking\n\nChannel 0: about the\n\nChannel 1: about?\n\nChannel 0: insurances\n\nChannel 1: Signature request.\n\nChannel 0: yep. So before you click on the link where it says sign now,\n\nChannel 1: Yep.\n\nChannel 0: at the bottom of that email, can you see a couple of attachments?\n\nChannel 1: Yeah. The service\n\nChannel 0: Yes.\n\nChannel 1: is bad. Financial is bad.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Super insurance\n\nChannel 0: Yep.\n\nChannel 1: summary.\n\nChannel 0: Yes. If you can open the super insurance summary for me.\n\nChannel 1: Yep.\n\nChannel 0: Now so this gives you a bit of a breakdown of your current super insurances. So as you can see, you do have, obviously, majority of your money in net worth, about 507,812 in there. And then you do have the plum super, so about 21,782 in there. And then\n\nChannel 1: Yep.\n\nChannel 0: you do have your insurance with Platts. So you can see, obviously, your life and PPD insurance. You have 698,162. And then you do also have a pretty decent income protection in Palms Uber as well.\n\nChannel 1: Yep. Cool.\n\nChannel 0: All of those three is about 1,797. So it is pretty affordable for what you have.\n\nChannel 1: Yep.\n\nChannel 0: And I know with your current employer, they also have that Zurich employer paid income protection. Do you know if the new employer have something similar?\n\nChannel 1: Yeah.\n\nChannel 0: Do you?\n\nChannel 1: So odd. I don't\n\nChannel 0: No?\n\nChannel 1: know. No.\n\nChannel 0: No. That's okay. When you do start and start, just it should\n\nChannel 1: Send\n\nChannel 0: be\n\nChannel 1: all that\n\nChannel 0: in\n\nChannel 1: through\n\nChannel 0: there.\n\nChannel 1: to you.\n\nChannel 0: Yeah. That would be great just so we can update it. But the good thing is that that's why we didn't wanna cancel that other income protection in Plum because if you did change employers.\n\nChannel 1: Yeah.\n\nChannel 0: So if it is that they don't, you still have a pretty good income protection in Plum Super.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: And I did have a quick kind of quote for similar cover with other insurers\n\nChannel 1: Yep.\n\nChannel 0: to see now. It does also depend on, obviously, like, medical and stuff like that, but just looking from a a price point of view as well with other covers for looking at exactly the same amount that what you have right now. And it would be around 2,800 for the same amount of cover.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: So what I've got is pretty good.\n\nChannel 0: it is pretty good. Now that cover would be tailored and underwritten, So it will provide you with a little bit more certainty, but then also the plump super, because you've had it for a lot longer, the the risk with a new cover is that when you do underwrite it, if there's any medical at all, that can\n\nChannel 1: Yeah.\n\nChannel 0: be excluded. So\n\nChannel 1: Yep.\n\nChannel 0: they could put an exclusion on policy to say that something you're not covered for, whereas plum suit, because you've had it for a lot longer, there is a higher chance of not having, obviously, anything like that. So\n\nChannel 1: Yeah.\n\nChannel 0: it is\n\nChannel 1: Yep.\n\nChannel 0: ultimately up to you if you do wanna reassess the covers and stuff now. With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on. Obviously, with the changes, you still have really good cover that is pretty cheap for you.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: So it is up to you if you're happy for to leave it for the time being.\n\nChannel 1: Yeah. I think so.\n\nChannel 0: We can do that. Okay. Perfect. Now would you like me through because, obviously, you have contributions going into Plum Super, so that will continue to go up. But you can see that you do have about 21,782 in Plum.\n\nWould\n\nChannel 1: Yep.\n\nChannel 0: you like me to have a bit more research on that to see if we should put some more into network from Plum, if it's going to put you a bit more, or what are your thoughts\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: If that's I mean, I always just leave that call up to you guys because\n\nChannel 0: Yeah.\n\nChannel 1: I wouldn't have a clue.\n\nChannel 0: No. That's\n\nChannel 1: And\n\nChannel 0: fine.\n\nChannel 1: I always just have faith that overview knows\n\nChannel 0: Yeah.\n\nChannel 1: what\n\nChannel 0: Yeah.\n\nChannel 1: what I should do. And if if he's\n\nChannel 0: Yep.\n\nChannel 1: like, we need to transfer money out of plumbing\n\nChannel 0: Yeah.\n\nChannel 1: into Netwealth, keep\n\nChannel 0: Yep.\n\nChannel 1: enough open\n\nChannel 0: Alright.\n\nChannel 1: for insurances and whatever you use, reckon. You got my\n\nChannel 0: Yep.\n\nChannel 1: full\n\nChannel 0: Okay.\n\nChannel 1: backing.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: You don't\n\nChannel 0: Well,\n\nChannel 1: even\n\nChannel 0: what\n\nChannel 1: need\n\nChannel 0: I'll\n\nChannel 1: my\n\nChannel 0: do\n\nChannel 1: permission. I trust\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: have to sign it, but I'm glad you trust me.\n\nChannel 1: Yeah. No.\n\nChannel 0: But what I'll do just just to check it is always good to do. So I will do some research and see if we do need to put a little bit in. Last time when we kind of reassessed everything earlier in the year, that returns in net wealth were a lot better than plum. And and if so,\n\nChannel 1: Yep.\n\nChannel 0: we do obviously wanna have the most amount of money where it's going to give you the most.\n\nChannel 1: Yeah. Yep. I think it's taken a fair old hit with with recent times. But, I mean, I understand those high risk and, you know, yeah, I think you make a lot of money on the back end of a big four. So,\n\nChannel 0: Yes. Yes. Exactly.\n\nChannel 1: yeah,\n\nChannel 0: And\n\nChannel 1: so\n\nChannel 0: and\n\nChannel 1: it\n\nChannel 0: with\n\nChannel 1: doesn't\n\nChannel 0: that\n\nChannel 1: worry\n\nChannel 0: as well,\n\nChannel 1: me.\n\nChannel 0: and, yeah, are you still happy, obviously, with your high growth portfolio? I know we went through all the risk\n\nChannel 1: Yeah.\n\nChannel 0: profile questionnaires and everything not long ago, so I won't\n\nChannel 1: Yeah.\n\nChannel 0: do that again. Perfect. And with that as well, though, if you wanna open the one where it says net worth $20.24 IRR. Can you\n\nChannel 1: Yep.\n\nChannel 0: see that one in the attachment? Yeah. So this one gives you a breakdown of your portfolio. So this is why I keep waiting for me to open.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So even though, like, you kind of touched on as well, we have had, obviously, fluctuations in the market last twelve months. We've seen quite a bit of ups and down in the market, and you had everything in The US with, you know, Trump and tariffs and everything.\n\nChannel 1: Yes.\n\nChannel 0: And then we more recently with the war. So we have seen a lot of fluctuation. The good thing is as well that with your new portfolio that we changed over in the new year, it's actually done really good. So in the last twelve months,\n\nChannel 1: Yeah.\n\nChannel 0: after fees, your portfolio has still gone up by 14.6%, which we're really happy with. Yeah.\n\nChannel 1: Awesome.\n\nChannel 0: So, yeah, despite a bit of fluctuations, very happy with that outcome. So that's great.\n\nChannel 1: I think that is good.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: I'll still do just some research quickly on the plum and see if we wanna do a bit of a quick rollover for you. Otherwise, in the email, you would have seen this a couple of times. We've gone through them. That Vanguard index chart again, just an updated version if you do wanna have a look at it.\n\nChannel 1: Yep.\n\nChannel 0: And then also the financial services guide. Again, it's the same one we went through earlier in the year. It's just there if you do wanna have another read over them.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Otherwise, if you are happy to do so, if you click on the link where it says sign now, it should ask you to sign an ongoing service agreement.\n\nChannel 1: So sign document.\n\nChannel 0: Yep.\n\nChannel 1: Just loading up.\n\nChannel 0: Yep.\n\nChannel 1: I'm down here. So I've got I don't know if you can hear because someone's speaking now. I've got the\n\nChannel 0: Yeah.\n\nChannel 1: dog's not nest beside me, but she's not saying, boo. But my niece on my lap, she's just playing with her horse measuring thing.\n\nChannel 0: Oh,\n\nChannel 1: That's\n\nChannel 0: yeah.\n\nChannel 1: my horse eating and praying, and then I got the chooks out of there.\n\nChannel 0: It's actually\n\nChannel 1: I'll leave.\n\nChannel 0: I can't hear it too much because it's funny sometimes with the like, even, like, sometimes people are working from home. Like, you hear the dog snoring or barking, and it's quite funny. But I can't\n\nChannel 1: I'm finding\n\nChannel 0: actually hear anything except from you. Sorry. That\n\nChannel 1: just\n\nChannel 0: is\n\nChannel 1: wait.\n\nChannel 0: good.\n\nChannel 1: Alright. So sign it.\n\nChannel 0: Yes. Sorry. Just so you\n\nChannel 1: Right.\n\nChannel 0: know is what we what you are signing, it is the the network ongoing service agreement. Just to say that you're obviously happy to stay on as a client. There is no changes\n\nChannel 1: Yep.\n\nChannel 0: whatsoever in regards to the fee. It stays exactly\n\nChannel 1: Yep.\n\nChannel 0: the same at 1.65. And just per usual, not a lock in contract at any point in time. So if you're ever not happy, not a lock in contract. But, otherwise, it just lets us service you until your next interview.\n\nChannel 1: Yep. Sweet. Awesome. And the date.\n\nChannel 0: Great. Yep.\n\nChannel 1: Validate.\n\nChannel 0: And this yep. Perfect. When you press validate, it should then send\n\nChannel 1: Yep.\n\nChannel 0: it to me. You'll also get a copy as well if you do wanna download them, but I always have a copy on file if you do need it.\n\nChannel 1: Straight.\n\nChannel 0: So I'll just wait\n\nChannel 1: I think\n\nChannel 0: for that to come through.\n\nChannel 1: I think\n\nChannel 0: Did\n\nChannel 1: that\n\nChannel 0: you say\n\nChannel 1: should\n\nChannel 0: that\n\nChannel 1: be\n\nChannel 0: on\n\nChannel 1: done.\n\nChannel 0: the name? Okay. I'll while I wait for that to to come through as well, I do just check if there's anything else that has changed with your fact fund there, Loretta. So updated, obviously, income occupation wise. Otherwise, personal information.\n\nHas anything changed? I still have next of kin your mom. Her phone number hasn't changed. That's all\n\nChannel 1: No.\n\nChannel 0: the same. Yep.\n\nChannel 1: No. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Not changed. Yeah. Just work.\n\nChannel 0: Yep.\n\nChannel 1: We'll yeah. That's about\n\nChannel 0: We're\n\nChannel 1: it.\n\nChannel 0: cool. Yeah. Has any of your assets changed, or is it still I'll just kind of quickly run through what I have here, and you just let me know if you have changed. The the block of land was last night at about $6.80 with about $2.53 owing.\n\nChannel 1: So the the value of the land's gone up considerably.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yeah. You could safely say it's crazy, WA. It's mental because I'm because I'm building. The builder said that we'll get a valuation before the banks, and it was sort of coming in from 950 to 1.5. But 1.5 is probably a bit of a stretch.\n\nSo you can probably comfortably\n\nChannel 0: Right.\n\nChannel 1: say a million.\n\nChannel 0: About\n\nChannel 1: One\n\nChannel 0: that's\n\nChannel 1: million\n\nChannel 0: very\n\nChannel 1: to one\n\nChannel 0: good.\n\nChannel 1: point one comfortably. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It is. It's great.\n\nChannel 0: Nice. And especially when you do build as well, it will you\n\nChannel 1: Yeah.\n\nChannel 0: know?\n\nChannel 1: Yep. So so that's cool. And then the my I o two ninety four because I paid out my Hilux in full because that was a leased vehicle. So I had to\n\nChannel 0: Yes. Sorry.\n\nChannel 1: so\n\nChannel 0: That was the no longer 35 owing, so that's all cleared?\n\nChannel 1: yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: I think it was 38. I had to pay $38,500 in the end\n\nChannel 0: Oh,\n\nChannel 1: because\n\nChannel 0: perfect.\n\nChannel 1: there was fees, because I've gone over k's, and you have to pay all back your\n\nChannel 0: Yeah.\n\nChannel 1: GST because I broke\n\nChannel 0: Yep.\n\nChannel 1: the lease blah blah blah. Never\n\nChannel 0: At\n\nChannel 1: doing\n\nChannel 0: least you\n\nChannel 1: that\n\nChannel 0: got\n\nChannel 1: again.\n\nChannel 0: an order. No. It's still high at about 65.\n\nChannel 1: Sorry?\n\nChannel 0: Is it still valued at around\n\nChannel 1: 0,\n\nChannel 0: sixty five\n\nChannel 1: yeah.\n\nChannel 0: thousand the car?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Haven't put many trades on it since. Been staying close to home, saving money.\n\nChannel 0: Nine.\n\nChannel 1: So about that, yeah, still\n\nChannel 0: Yep.\n\nChannel 1: got the boat, still got all the horses. Don't\n\nChannel 0: Yep.\n\nChannel 1: tell the bank\n\nChannel 0: And\n\nChannel 1: about\n\nChannel 0: they're\n\nChannel 1: the horses,\n\nChannel 0: yeah. And they're still\n\nChannel 1: though.\n\nChannel 0: valid roughly the same, like, 30\n\nChannel 1: Yeah.\n\nChannel 0: thousand for the bar and 60\n\nChannel 1: Yeah.\n\nChannel 0: ish for the horses. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And shares about a 100,000 as well.\n\nChannel 1: Paul, I haven't looked at them for a while because they do we'll take a big dive. I don't know why. Normally, gold's a safe place for people's money in the times of war and all that, but, yeah, it hasn't been the case. So they're probably seeing about 85. Oh, BHP, mind you, they've gone through the roof, but my gold shares haven't so I don't know what\n\nChannel 0: Okay.\n\nChannel 1: I would yeah.\n\nChannel 0: That's are you happy to leave it at a 100, or do you want me\n\nChannel 1: Yeah.\n\nChannel 0: to change it through\n\nChannel 1: No.\n\nChannel 0: 80\n\nChannel 1: You\n\nChannel 0: 5?\n\nChannel 1: can leave it because I don't think\n\nChannel 0: Yep.\n\nChannel 1: it'll be\n\nChannel 0: Okay. Perfect. Otherwise,\n\nChannel 1: too\n\nChannel 0: health lifestyle, has anything\n\nChannel 1: much.\n\nChannel 0: changed since we\n\nChannel 1: No.\n\nChannel 0: spoke last? Alright. Perfect.\n\nChannel 1: No. All good.\n\nChannel 0: Private health insurance, do you have that?\n\nChannel 1: Yeah. I'm with\n\nChannel 0: Great.\n\nChannel 1: the HCF, and I pay a 190\n\nChannel 0: Yes.\n\nChannel 1: a month.\n\nChannel 0: Yep. At least it's good that you because you do have it, you don't have to pay the medical levy surcharge, which is nice.\n\nChannel 1: The extra Medicare. Maybe\n\nChannel 0: Yes.\n\nChannel 1: I still have to pay one.\n\nChannel 0: Exactly. At least you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: don't,\n\nChannel 0: to pay\n\nChannel 1: miss\n\nChannel 0: the\n\nChannel 1: you.\n\nChannel 0: the extra, but yes.\n\nChannel 1: Yeah. That's\n\nChannel 0: Then\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: probably\n\nChannel 0: have to verify.\n\nChannel 1: that's great.\n\nChannel 0: Yeah. And estate planning wise, any changes or all the same?\n\nChannel 1: No. No. I I was I did have a meeting with Carlos Ross or something. I remember I think they're a race, but I put them on hold because those things were changing. And\n\nChannel 0: Yep.\n\nChannel 1: then I figured so I don't have to pay more again to get it set up. I think I'll wait till my house is built, and\n\nChannel 0: Okay.\n\nChannel 1: then I'll do a proper will in that.\n\nChannel 0: Yeah. And then\n\nChannel 1: And,\n\nChannel 0: do the nominations and stuff.\n\nChannel 1: yeah, and\n\nChannel 0: Yep.\n\nChannel 1: all that then because it's so\n\nChannel 0: Yep.\n\nChannel 1: full on when I was about to do it. It's like 30 pages, and I was like, Jesus\n\nChannel 0: Yeah.\n\nChannel 1: Christ. It's not the kind of\n\nChannel 0: It\n\nChannel 1: thing I\n\nChannel 0: is\n\nChannel 1: wanted\n\nChannel 0: thorough,\n\nChannel 1: to spend my time.\n\nChannel 0: which is good, but but, yes, I see there,\n\nChannel 1: Yeah.\n\nChannel 0: especially if you're going through over the house and stuff. That's fine. I'll just make a little note that you you know about it. But even from your superannuation point of view, we already have the will nominated. So when you\n\nChannel 1: Yeah.\n\nChannel 0: do get a will sorted, you don't have to update anything with your super. That's all\n\nChannel 1: Okay.\n\nChannel 0: in play.\n\nChannel 1: Cool.\n\nChannel 0: Sorry.\n\nChannel 1: Cool.\n\nChannel 0: That's all good, but, otherwise, that is on the cards.\n\nChannel 1: Sweet.\n\nChannel 0: Any any other changes, otherwise? Any changes to, like, your goals and what you were working towards, or is it\n\nChannel 1: No.\n\nChannel 0: all kinda\n\nChannel 1: Just\n\nChannel 0: about\n\nChannel 1: build\n\nChannel 0: the\n\nChannel 1: a house.\n\nChannel 0: same?\n\nChannel 1: Just\n\nChannel 0: Yeah.\n\nChannel 1: build my dream home and, yeah, just keep enjoying life. Not too\n\nChannel 0: Yeah.\n\nChannel 1: much of a plan, to be honest. Some might feel like, what's your three and five goal plan? I don't have one. I just wanna wake up tomorrow and keep propping off. So\n\nChannel 0: Which which\n\nChannel 1: that's\n\nChannel 0: is not\n\nChannel 1: alright.\n\nChannel 0: bad at times as well.\n\nChannel 1: Yeah.\n\nChannel 0: I'm very much a planner, and sometimes it can stress you.\n\nChannel 1: Yeah.\n\nChannel 0: So sometimes I wish\n\nChannel 1: Things\n\nChannel 0: I could have\n\nChannel 1: change.\n\nChannel 0: a bit more of that mentality that, you know, then you don't\n\nChannel 1: Yeah.\n\nChannel 0: stress about it, and you work with the flow. And if things\n\nChannel 1: Yeah.\n\nChannel 0: do change, you\n\nChannel 1: Yeah.\n\nChannel 0: deal with the\n\nChannel 1: That's it. Just deal with things. So if I'm any worried that will happen,\n\nChannel 0: better.\n\nChannel 1: I was like, no. I'm not worried at all. But if\n\nChannel 0: Yeah.\n\nChannel 1: it did,\n\nChannel 0: Yeah.\n\nChannel 1: I'll deal with it then, and that's when I'll save energy for things as they happen. I don't waste\n\nChannel 0: Yes.\n\nChannel 1: energy for things that most of the time don't even come to fruition,\n\nChannel 0: Yeah.\n\nChannel 1: whether it's a plan\n\nChannel 0: No.\n\nChannel 1: or something bad. You know? Like,\n\nChannel 0: Yeah.\n\nChannel 1: I I can't involve\n\nChannel 0: No.\n\nChannel 1: the planning.\n\nChannel 0: Yeah.\n\nChannel 1: Everything's\n\nChannel 0: No. That\n\nChannel 1: unfolded\n\nChannel 0: is\n\nChannel 1: pretty sweet in my life today, so I\n\nChannel 0: yeah.\n\nChannel 1: think yeah.\n\nChannel 0: Yeah. You're you're doing you're doing good. Perfect. Now it doesn't look like\n\nChannel 1: Yeah.\n\nChannel 0: the document has still come through yet. So I don't know if it's Internet. Did it definitely say, like, when you clicked validate and and send, what did it say after that?\n\nChannel 1: It's just gone like it's I pressed validate and it it all\n\nChannel 0: Yeah.\n\nChannel 1: did, like, the wheel of this thing and and then it's going back to that same page where all the signatures\n\nChannel 0: Okay.\n\nChannel 1: are which I filled in. And it's not validate down the bottom, but you can't click\n\nChannel 0: Okay.\n\nChannel 1: it because it's kind of become a see through validate button there. But I I did press it, and it did, like, load or whatever, like, the wheel of death. But\n\nChannel 0: Yep.\n\nChannel 1: yeah. Now\n\nChannel 0: Because I'll\n\nChannel 1: do\n\nChannel 0: see.\n\nChannel 1: you want me to just press\n\nChannel 0: If you\n\nChannel 1: sign\n\nChannel 0: could\n\nChannel 1: document again? Go back\n\nChannel 0: if\n\nChannel 1: through?\n\nChannel 0: you could and see because sometimes techno it's great when it works, but sometimes it can be a little bit iffy. Because usually by now, it has come through. So if you don't mind, that would be great, and see see if that comes through.\n\nChannel 1: Yeah. Yep. Real easy. That's me. Yeah, mate.\n\nIt needs to show what else? This? Alright. I'll get it sorted for you. Right now.\n\nI press invalidate again. It's loading.\n\nChannel 0: Yep. I will see. And while it loads, when is a good time for me to give you a quick call just about those potential rollovers? So it should be a pretty quick one.\n\nChannel 1: So I\n\nChannel 0: When\n\nChannel 1: go back\n\nChannel 0: is\n\nChannel 1: to work\n\nChannel 0: yeah.\n\nChannel 1: work today. I'm too scared to look at my there you go. You'll get us signed up from it said it's signed. Download.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: see\n\nChannel 1: don't\n\nChannel 0: it's\n\nChannel 1: need\n\nChannel 0: come\n\nChannel 1: to\n\nChannel 0: through\n\nChannel 1: download\n\nChannel 0: already.\n\nChannel 1: it because\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: We\n\nChannel 1: got\n\nChannel 0: have\n\nChannel 1: a copy.\n\nChannel 0: a copy on file. Yeah. So if you ever wanted, just let me know, and I can email that to you.\n\nChannel 1: Yeah. See. So I'm home from the seventh to the May 13. Is that too soon?\n\nChannel 0: No. That should no seventh. Let me see. May 13. No.\n\nI could do it because it's pretty quick this time. Let me see. So would May 14 work for you?\n\nChannel 1: Fourteenth. Oh, the May 14 is the Thursday, isn't it? I'll fly back\n\nChannel 0: Yes.\n\nChannel 1: to work that day. I'm dated too,\n\nChannel 0: Okay.\n\nChannel 1: so I leave early morning.\n\nChannel 0: No.\n\nChannel 1: So we can\n\nChannel 0: That's\n\nChannel 1: leave\n\nChannel 0: okay.\n\nChannel 1: it to the following\n\nChannel 0: I\n\nChannel 1: break\n\nChannel 0: could,\n\nChannel 1: on '20\n\nChannel 0: yeah,\n\nChannel 1: first to the\n\nChannel 0: could\n\nChannel 1: twenty seventh. I'm home.\n\nChannel 0: let\n\nChannel 1: Well,\n\nChannel 0: me\n\nChannel 1: '20\n\nChannel 0: see.\n\nChannel 1: first to the twenty fifth. So I'll probably fly to my new job on the twenty sixth.\n\nChannel 0: Okay. Because otherwise, I'd probably so was that Wednesday the thirteenth best for you?\n\nChannel 1: Wednesday, the thirteenth, I can do. Yeah.\n\nChannel 0: Okay. Because I\n\nChannel 1: Except\n\nChannel 0: could\n\nChannel 1: for\n\nChannel 0: problem\n\nChannel 1: between nine and 10:30AM WA time I have an appointment.\n\nChannel 0: okay. Let me have a look. Because I probably could do if I do 11:30 my time, that's 09:30 your time. Does\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: I'd\n\nChannel 0: work,\n\nChannel 1: be\n\nChannel 0: or is that portion\n\nChannel 1: no.\n\nChannel 0: it?\n\nChannel 1: I'd be banging the middle of an appointment.\n\nChannel 0: No. That's okay. Because, otherwise, it might be too early because I could otherwise do 09:00 my time, but that is 07:00 your time. Is that too\n\nChannel 1: Yeah.\n\nChannel 0: early?\n\nChannel 1: I can do that. I'm a I'm a early bird. I'm always off early.\n\nChannel 0: Yeah. Perfect. And, honestly, it shouldn't take it should maybe take fifteen to fifteen minutes or so.\n\nChannel 1: Yeah.\n\nChannel 0: It should be a pretty quick one. Alright. So I will book that in on Wednesday, May 13 at 7AM your time. If anything does change, you can't make it or your appointments or anything change, just let me know, and I'll see if I can shuffle a few things around for you.\n\nChannel 1: Yes. Wait. Too lazy.\n\nChannel 0: Yep. Perfect. Before\n\nChannel 1: Awesome.\n\nChannel 0: I let you go and enjoy the rest of your afternoon, do you have any other questions for me otherwise?\n\nChannel 1: Nah. All good.\n\nChannel 0: No.\n\nChannel 1: Good\n\nChannel 0: Perfect.\n\nChannel 1: chat.\n\nChannel 0: Yeah. Wonderful. Well, I hope everything goes well with the application and you resigning\n\nChannel 1: Mhmm.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: that you do\n\nChannel 1: Cool.\n\nChannel 0: get that police check soon. And, otherwise, I look forward to speaking with you on Wednesday, the thirteenth.\n\nChannel 1: No worries. Too easy. Thanks, Veronica. Enjoy the\n\nChannel 0: No\n\nChannel 1: rest\n\nChannel 0: problem\n\nChannel 1: of your day too.\n\nChannel 0: at all. You too.\n\nChannel 1: See\n\nChannel 0: We\n\nChannel 1: you.\n\nChannel 0: speak soon. Bye.\n\nChannel 1: Bye. Thank you. Bye. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.024249397218227383}],"sentiment":"neutral","sentiment_score":0.024249397218227383,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Good morning.","start":2.0,"end":2.48,"sentiment":"neutral","sentiment_score":0.20271911472082138},{"text":"Is this Loretta?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.121852807700634}],"sentiment":"neutral","sentiment_score":0.15419933050870896,"channel":0,"num_words":5,"start":2.0,"end":3.3},{"sentences":[{"text":"Yes.","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.1195422261953354},{"text":"How are you going?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.16289913654327393}],"sentiment":"neutral","sentiment_score":0.15422775447368622,"channel":1,"num_words":5,"start":3.76,"end":4.9},{"sentences":[{"text":"It's Veronica.","start":4.72,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1544845551252365},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.1599228878815969}],"sentiment":"neutral","sentiment_score":0.15774755477905272,"channel":0,"num_words":5,"start":4.72,"end":6.74},{"sentences":[{"text":"I'm good.","start":6.96,"end":7.44,"sentiment":"positive","sentiment_score":0.4764072895050049},{"text":"Thanks.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5402364134788513},{"text":"Yourself?","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.26847749948501587}],"sentiment":"positive","sentiment_score":0.44038212299346924,"channel":1,"num_words":4,"start":6.96,"end":8.26},{"sentences":[{"text":"Yeah.","start":8.72,"end":8.96,"sentiment":"neutral","sentiment_score":0.3067627251148224},{"text":"I'm good.","start":8.96,"end":9.679999,"sentiment":"positive","sentiment_score":0.4792787432670593},{"text":"Thanks.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.6204447746276855}],"sentiment":"positive","sentiment_score":0.47144124656915665,"channel":0,"num_words":4,"start":8.72,"end":10.179999},{"sentences":[{"text":"That's","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.5566439628601074}],"sentiment":"positive","sentiment_score":0.5566439628601074,"channel":1,"num_words":1,"start":10.8,"end":11.12},{"sentences":[{"text":"I","start":10.96,"end":11.36,"sentiment":"positive","sentiment_score":0.5742632150650024}],"sentiment":"positive","sentiment_score":0.5742632150650024,"channel":0,"num_words":1,"start":10.96,"end":11.36},{"sentences":[{"text":"good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.5357873439788818}],"sentiment":"positive","sentiment_score":0.5357873439788818,"channel":1,"num_words":1,"start":11.12,"end":11.62},{"sentences":[{"text":"had you booked in this morning for a a bit of a catch up and two go through your interview.","start":11.36,"end":15.8949995,"sentiment":"neutral","sentiment_score":0.2132881298661232},{"text":"Is now still a good time for 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you.","start":1680.4689,"end":1680.789,"sentiment":"positive","sentiment_score":0.5429957211017609},{"text":"Bye.","start":1680.789,"end":1681.2689,"sentiment":"neutral","sentiment_score":0.2413291782140732},{"text":"Bye.","start":1681.2689,"end":1681.7689,"sentiment":"neutral","sentiment_score":0.16417233645915985},{"text":"Bye.","start":1682.7089,"end":1683.2089,"sentiment":"neutral","sentiment_score":-0.11451421678066254}],"sentiment":"neutral","sentiment_score":0.25144802778959274,"channel":1,"num_words":6,"start":1680.2289,"end":1683.2089}]},"summary":{"result":"success","short":"Representatives from various companies discuss potential interviews, employment history, income, and coverage options. They also mention personal background and employment history with various insurance companies. The representatives provide information on insurance coverage and offer to help with the process of hiring a new employer. They also discuss the success of high-risk investments and the stability of the market. The customer is advised to manage their goals and make adjustments as needed, and the appointment is scheduled for Wednesday, May 13th at 7AM."},"intents":{"segments":[{"text":"had you booked in this morning for a a bit of a catch up and two go through your interview. Is now still a good time for you? Yeah.","start_word":27,"end_word":55,"intents":[{"intent":"Book a meet-up","confidence_score":0.0000028702789}]},{"text":"Now just just as per usual, before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":59,"end_word":92,"intents":[{"intent":"Inform about call recording","confidence_score":0.03178893}]},{"text":"And even though I can hear that, if it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start_word":96,"end_word":123,"intents":[{"intent":"Confirm information","confidence_score":0.32198283}]},{"text":"And what was the last one of my address? Yes, please.","start_word":127,"end_word":137,"intents":[{"intent":"Confirm address","confidence_score":0.43619865}]},{"text":"It's just been constant oh, rain, is and you just it?","start_word":234,"end_word":244,"intents":[{"intent":"Report weather","confidence_score":0.013304107}]},{"text":"Now with your annual review, I also have that we wanted to kind of touch base on your insurances as well now because it's obviously been some time that we can reassess it. Yeah.","start_word":272,"end_word":305,"intents":[{"intent":"Discuss insurances","confidence_score":0.515805}]},{"text":"I'm still the underground shift supervisor, Mhmm. and they sort of offered me training and moving to a role of superintendent, but that won't be happening sort of officially, I guess, in maybe next year or something, which is fine because I love shift, I think. Yep.","start_word":661,"end_word":707,"intents":[{"intent":"Decline offer","confidence_score":0.00055198366}]},{"text":"It's a $75 speeding charge, but so it was a lot more than that, but I forwarded in court because I wasn't doing the alleged speed.","start_word":1303,"end_word":1328,"intents":[{"intent":"Report speeding charge","confidence_score":0.053793583}]},{"text":"The cock was being a real dick, and I was just like he said I was on a 133. I was like, I simply was not. And Yeah.","start_word":1342,"end_word":1369,"intents":[{"intent":"Report cockroaches","confidence_score":0.0020880636}]},{"text":"I took it to court, and it took Mhmm. two years and Jeez. pissed him off a lot. But I was like, mate, Yeah. this is why You're we have fine. a justice system on. Yeah. And yeah. And and I won, and I had said to the magistrate.","start_word":1382,"end_word":1430,"intents":[{"intent":"Report victory","confidence_score":0.0046781753}]},{"text":"a week or two to look at the CVT test, and then they're like, you know, So I had one a year ago in the past. I haven't done anything criminal in the last twelve months. Good. So Yeah.","start_word":1512,"end_word":1550,"intents":[{"intent":"Discuss cvt test","confidence_score":0.23620692}]},{"text":"And with the new employer, just let us know, obviously, if you need the employer contribution form again to to hand in to them, and Sorry.","start_word":1600,"end_word":1625,"intents":[{"intent":"Discuss new employer","confidence_score":0.022581726},{"intent":"Hand in employer contribution form","confidence_score":0.46507037}]},{"text":"I need about a form The contribution form, that I get off the employee.","start_word":1636,"end_word":1649,"intents":[{"intent":"Request contribution form","confidence_score":0.667085}]},{"text":"Would you like us to email that through you? Or when when it's ready, let us know if you do need the details? Yeah. Yeah.","start_word":1651,"end_word":1675,"intents":[{"intent":"Obtain insurance details","confidence_score":0.006153753}]},{"text":"So, obviously, with your current employer, Yep. you do so, so, actually, what I might do is do you have access to your emails at the moment, Loretta?","start_word":1726,"end_word":1753,"intents":[{"intent":"Access emails","confidence_score":0.47757062}]},{"text":"If you can open the super insurance summary for me. Yep.","start_word":1837,"end_word":1847,"intents":[{"intent":"Open super insurance summary","confidence_score":0.0020567423},{"intent":"Open insurance summary","confidence_score":0.43113834}]},{"text":"That would be great just so we can update it. But the good thing is that that's why we didn't wanna cancel that other income protection in Plum because if you did change employers. Yeah.","start_word":2012,"end_word":2046,"intents":[{"intent":"Update policy","confidence_score":0.3072774}]},{"text":"So if it is that they don't, you still have a pretty good income protection in Plum Super. Yeah.","start_word":2047,"end_word":2065,"intents":[{"intent":"Provide insurance","confidence_score":0.0012030096}]},{"text":"And I did have a quick kind of quote for similar cover with other insurers Yep. to see now. It does also depend on, obviously, like, medical and stuff like that, but just looking from a a price point of view as well with other covers for looking at exactly the same amount that what you have right now. And it would be around 2,800 for the same amount of cover. Okay.","start_word":2067,"end_word":2138,"intents":[{"intent":"Provide quote","confidence_score":0.5521188}]},{"text":"ultimately up to you if you do wanna reassess the covers and stuff now. With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on. Obviously, with the changes, you still have really good cover that is pretty cheap for you. Yeah.","start_word":2254,"end_word":2310,"intents":[{"intent":"Reassess coverage","confidence_score":0.1262141}]},{"text":"With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on. Obviously, with the changes, you still have really good cover that is pretty cheap for you. Yeah.","start_word":2268,"end_word":2310,"intents":[{"intent":"Discuss change in work","confidence_score":0.011518352}]},{"text":"So it is up to you if you're happy for to leave it for the time being. Yeah. I think so.","start_word":2313,"end_word":2333,"intents":[{"intent":"Leave policy","confidence_score":0.28418154}]},{"text":"Now would you like me through because, obviously, you have contributions going into Plum Super, so that will continue to go up. But you can see that you do have about 21,782 in Plum. Would Yep. you like me to have a bit more research on that to see if we should put some more into network from Plum, if it's going to put you a bit more, or what are your thoughts Yeah.","start_word":2341,"end_word":2414,"intents":[{"intent":"Share information","confidence_score":0.0050531365}]},{"text":"And with that as well, though, if you wanna open the one where it says net worth $20.24 IRR. Can you Yep.","start_word":2694,"end_word":2715,"intents":[{"intent":"Open portfolio","confidence_score":0.14157663}]},{"text":"So this one gives you a breakdown of your portfolio. So this is why I keep waiting for me to open. Yep.","start_word":2722,"end_word":2743,"intents":[{"intent":"Check portfolio","confidence_score":0.072245285}]},{"text":"I'll still do just some research quickly on the plum and see if we wanna do a bit of a quick rollover for you.","start_word":2881,"end_word":2904,"intents":[{"intent":"Research plum","confidence_score":0.49676538}]},{"text":"Otherwise, if you are happy to do so, if you click on the link where it says sign now, it should ask you to sign an ongoing service agreement. So sign document.","start_word":2975,"end_word":3006,"intents":[{"intent":"Sign service agreement","confidence_score":0.4454488}]},{"text":"And this yep. Perfect. When you press validate, it should then send Yep. it to me. You'll also get a copy as well if you do wanna download them, but I always have a copy on file if you do need it. Straight.","start_word":3232,"end_word":3274,"intents":[{"intent":"Validate and download the document","confidence_score":0.000020833126}]},{"text":"So updated, obviously, income occupation wise. Otherwise, personal information. Has anything changed?","start_word":3329,"end_word":3340,"intents":[{"intent":"Update and update personal information","confidence_score":0.04804735}]},{"text":"The the block of land was last night at about $6.80 with about $2.53 owing. So the the value of the land's gone up considerably. Oh, nice.","start_word":3408,"end_word":3434,"intents":[{"intent":"Evaluate land value","confidence_score":0.03095688}]},{"text":"the document has still come through yet. So I don't know if it's Internet. Did it definitely say, like, when you clicked validate and and send, what did it say after that?","start_word":4407,"end_word":4438,"intents":[{"intent":"Test document functionality","confidence_score":0.0033350156}]},{"text":"So I'm home from the seventh to the May 13. Is that too soon? No.","start_word":4733,"end_word":4747,"intents":[{"intent":"Schedule appointment","confidence_score":0.21294397}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Loretta? Yes. How are you going? It's Veronica. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1442902535200119},{"text":"I'm good. Thanks.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.48928725719451904},{"text":"Yourself? Yeah.","start_word":19,"end_word":20,"sentiment":"neutral","sentiment_score":0.28379157185554504},{"text":"I'm good. Thanks. That's I good.","start_word":21,"end_word":26,"sentiment":"positive","sentiment_score":0.532006561756134},{"text":"had you booked in this morning for a a bit of a catch up and two go through your interview. Is now still a good time for you? Yeah. Yep. Sweet.","start_word":27,"end_word":57,"sentiment":"neutral","sentiment_score":0.2100905478000641},{"text":"Perfect.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.43171194195747375},{"text":"Now just just as per usual, before I do go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No worries. Perfect. And even though I can hear that, if it is you, just for security purposes, could you just confirm your full name, date of birth, and address, please? Laura Davidson, '81. And what was the last one of my address? Yes, please. 426 Henderson Road, Hopeland, Yep. Perfect. WA. And how's how's your morning been? You're good. Have the Yeah. have the Good. day off today? Yeah. I'll fly back to work tomorrow. I was I'm Oh, just no. down at the horses with my little niece feeding up, Lovely.","start_word":59,"end_word":185,"sentiment":"neutral","sentiment_score":0.07964504510164261},{"text":"and Good it's good a weather beautiful for you guys.","start_word":186,"end_word":195,"sentiment":"positive","sentiment_score":0.4689274132251739},{"text":"morning here. Oh, Yeah. really? It's nice. Like, no wind. I don't really mind what the weather is. If there's no wind, I'm happy. Yes. So it's been And a bit there's miserable none. here this It's week. It's just been constant oh, rain, is and you just it? Yeah. just like when it goes for a week and a bit, you're like, okay. Give me some sunshine Yeah. now. Yeah. It's it's getting dreary. Yeah. Now with your annual review, I also have that we wanted to kind of touch base on your insurances as well now because it's obviously been some time that we can reassess it. Yeah. Yep. I'm I'm in the middle of changing employers as well. Okay. So that might change that a bit. Yes. I probably will be giving my notice tomorrow. Just Okay. trying to build a house over here, and it's super expensive. So I've just gone to someone that's having to Okay. And pay because I know as well, I think last time we spoke, lots they were looking at changing some agreements more. and potentially, like, a bit of a pay increase and stuff. So yeah. Mhmm. That didn't kind of work out No. as No. much. They they offered a bonus, a $30,000 Right. bonus, and and not till January next year. Right. And, you know, base pay Yeah. is all the banks care about. So I was like, Oh, yeah. 100%. Yeah. Okay. I've I've put it to them and, yeah, that was like, no. They just they just sit on things for too long, and I Yeah.","start_word":196,"end_word":465,"sentiment":"neutral","sentiment_score":-0.06009023243801763},{"text":"can't afford to sit on this. Otherwise, I won't get my house built.","start_word":466,"end_word":478,"sentiment":"negative","sentiment_score":-0.3671444058418274},{"text":"Yeah. Yeah. So Exactly. yeah. Now I want have you started in interview a process and stuff? bit. Beg your pardon? Have you started, like, the interview process yet? I've I've done all the medical and yeah. It's Oh, a perfect. someone I've previously worked for, so I didn't really have to go for interviewing. They just Oh, oh, good. were sort They're of like, head yes. hugging me, which We is want nice. to. Yeah.","start_word":479,"end_word":554,"sentiment":"neutral","sentiment_score":0.09524080157279968},{"text":"Perfect.","start_word":555,"end_word":555,"sentiment":"positive","sentiment_score":0.439785361289978},{"text":"And then sort of upping the offer until it was yeah.","start_word":556,"end_word":566,"sentiment":"neutral","sentiment_score":0.2377607375383377},{"text":"Nice. And they did offer a sign on bonus as well, so that kinda Oh, sealed the deal.","start_word":567,"end_word":584,"sentiment":"positive","sentiment_score":0.34385237097740173},{"text":"I was like, yeah. yeah. Let's do it. And One of the dreams to build what a house. what's yeah. What's the new company called? At Bomingo. Okay. And that's also over in Yeah. They're WA based, but they're they're a global company as well. So, like, they're all over. WA? And Yeah. were you still kind of through similar roles, like the undergrad shift supervisor, or is it gonna be a little bit different? No. I'm still the underground shift supervisor, Mhmm. and they sort of offered me training and moving to a role of superintendent, but that won't be happening sort of officially, I guess, in maybe next year or something, which is fine because I love shift, I think. Yep. But, yeah, it Yeah.","start_word":585,"end_word":711,"sentiment":"neutral","sentiment_score":0.06808637968433184},{"text":"will be a good career move as well. Oh, nice.","start_word":712,"end_word":721,"sentiment":"positive","sentiment_score":0.5058300495147705},{"text":"And what kind of income will you be on when you start that? The base is $2.52, Yep. $2.50 and then 3. $10,000 final bonus, Yep. and they have an annual bonus, which is up to 15% of your base.","start_word":722,"end_word":761,"sentiment":"neutral","sentiment_score":0.1552952080965042},{"text":"Oh, nice.","start_word":762,"end_word":763,"sentiment":"positive","sentiment_score":0.3572702407836914},{"text":"And do you know if with the bonus, whether they will pay contributions on top of that? Do you know? What do you mean? Sorry. So yeah. So often with bonuses, employers will pay contributions into super on top of it. So Oh, if you I'm bonus I'm yeah. not too sure. No. That's okay. I think my it might have been written in the letter of offer and that and and all those details, but, you know, superannuation stuff, I sent a scheme over because Most people are just like, yeah. No. Like, they don't yeah. think about Whatever. it. I Yeah. think you think, No. god, there's not I'm not you don't know the chance of making that far in your life. So you think, oh, yeah. Like, it's great to build it, but then I think, oh, well, not sure Yes. if Yeah. I'll ever see it. And So if you I sort get of extra, think then beautiful. yeah. And it could also be so with the income as well because and they just offer, like, that standard 12% rate, I imagine, like, employer Yeah. contribution I think it wise. says in Yeah. the letter of offer, $30,000. Yes.","start_word":764,"end_word":966,"sentiment":"neutral","sentiment_score":0.02808426134288311},{"text":"Super. Be Yep. perfect. Because that was going to be my next question because because you the income have gone up, which is fantastic, it means that you're actually now exceeding their concessional contribution cap.","start_word":967,"end_word":1001,"sentiment":"positive","sentiment_score":0.4236202682767596},{"text":"So Yep. most employers so if we do $2.52 at Yep. 12%, that's 30,240. Yep. Now most employer because legally, they only have to pay up to the cap, which is 30,000. Most employers do stop at 30,000. So if in your letter, it did say 30,000, Yeah. I I did. will note that they do stop at the cap. Yeah. Sometimes Cool. employers do go over most of the time because they just have to pay up to 30,000, they just pay 30,000. Yeah. Sorry. Is that so So, I avoid a division two nine three? unfortunately, not. Still have to pay that one. It's at least in avoiding other tax. Because if you do exceed the the cap Yep. on contributions above the cap, you'd have to pay more tax, not Yeah. the reduced 15%. It will be kind of classified as your nonconcessional, so you'd have to pay your marginal tax rate on that. Yeah. So that's why, usually, they kind of stop. So, unfortunately, because the the division two nine three is income as well as contribution over $2.","start_word":1002,"end_word":1184,"sentiment":"neutral","sentiment_score":-0.05040460079908371},{"text":"50, you have to pay it. Because on your income alone, you will unfortunately exceed that.","start_word":1184,"end_word":1199,"sentiment":"negative","sentiment_score":-0.41472551226615906},{"text":"So it kind of sucks because, yeah, you can get great income, but you do have to pay the tax, Party unfortunately. government. Right? It's Now what you it can is. obviously, at the time, you can elect it to have it pay personally or through super. So when you do get the letter, just let us know what you wanna do. Yep. Yeah. Alright.","start_word":1200,"end_word":1264,"sentiment":"neutral","sentiment_score":-0.06355836242437363},{"text":"Perfect.","start_word":1265,"end_word":1265,"sentiment":"positive","sentiment_score":0.47720497846603394},{"text":"And when will you start that? The so if I hand my notes I'm just waiting on my police check. It takes Mhmm. longer than normal because it's got a it's got so it's so minimal. It's a $75 speeding charge, but so it was a lot more than that, but I forwarded in court because I wasn't doing the alleged speed. I was like, there's I've Yeah. had cruise control on. There's a new car.","start_word":1266,"end_word":1341,"sentiment":"neutral","sentiment_score":-0.14048450008818977},{"text":"The cock was being a real dick, and I was just like he said I was on a 133.","start_word":1342,"end_word":1360,"sentiment":"negative","sentiment_score":-0.36685287952423096},{"text":"I was like, I simply was not. And Yeah. Okay. And the Anyway, cockropper so I was doctor. yeah. So Yeah. I took it to court, and it took Mhmm. two years and Jeez.","start_word":1361,"end_word":1394,"sentiment":"neutral","sentiment_score":-0.17318251729011536},{"text":"pissed him off a lot.","start_word":1395,"end_word":1399,"sentiment":"negative","sentiment_score":-0.4087546765804291},{"text":"But I was like, mate, Yeah. this is why You're we have fine. a justice system on. Yeah. And yeah. And and I won, and I had said to the magistrate. Oh, I was like, good. I know I wasn't doing that because I had my cruise control set on a 100 Yeah. and 15, just over one Yeah. 10. Yeah. Yeah. So I got a five kilometer over fine, which is 75, but that appears on my record because it went through the course, which is fine. I Yeah. mean, I don't know. Yeah. I Didn't think do anything wrong. Yeah. It's just no. But tedious. they then they take Yeah. a week or two to look at the CVT test, and then they're like, you know, So I had one a year ago in the past. I haven't done anything criminal in the last twelve months. Good. So Yeah.","start_word":1400,"end_word":1550,"sentiment":"neutral","sentiment_score":-0.04785646125674248},{"text":"so all going well.","start_word":1551,"end_word":1554,"sentiment":"positive","sentiment_score":0.3391421437263489},{"text":"Yeah. I will be hanging my notes in, so I'll just bring out roster. Tomorrow, the thirtieth of my last day would be the twentieth, and I would Mhmm. assume that I start work on the May 26 with a new company. Okay. Okay.","start_word":1555,"end_word":1598,"sentiment":"neutral","sentiment_score":0.06487266719341278},{"text":"Perfect.","start_word":1599,"end_word":1599,"sentiment":"positive","sentiment_score":0.5032328963279724},{"text":"And with the new employer, just let us know, obviously, if you need the employer contribution form again to to hand in to them, and Sorry. we can I get missed that that. first week. I need about a form The contribution form, that I get off the employee. Yeah. Yeah. Would you like us to email that through you? Or when when it's ready, let us know if you do need the details? Yeah. Yeah. Okay. Cool. If you yeah. If Yep. you can email it, please. Yep.","start_word":1600,"end_word":1688,"sentiment":"neutral","sentiment_score":0.052662525995728675},{"text":"I Perfect. because I'll probably stick with Plum because Plum is so good.","start_word":1689,"end_word":1701,"sentiment":"positive","sentiment_score":0.5321224331855774},{"text":"Yes. And I was You know? having a look at that as well because, also, do you know and it might not be yet. So, obviously, with your current employer, Yep. you do so, so, actually, what I might do is do you have access to your emails at the moment, Loretta? Yep. Perfect. If you could open your email for me, I did just send you an email With at with some attachment. the attachment. And while And we are what talking were I talking about the about? insurances Signature request. yep. So before you click on the link where it says sign now, Yep. at the bottom of that email, can you see a couple of attachments? Yeah. The service Yes. is bad.","start_word":1702,"end_word":1826,"sentiment":"neutral","sentiment_score":0.02057841047644615},{"text":"Financial is bad.","start_word":1827,"end_word":1829,"sentiment":"negative","sentiment_score":-0.3534104526042938},{"text":"Yep. Yep. Super insurance Yep. summary. Yes. If you can open the super insurance summary for me. Yep. Now so this gives you a bit of a breakdown of your current super insurances. So as you can see, you do have, obviously, majority of your money in net worth, about 507,812 in there. And then you do have the plum super, so about 21,782 in there. And then Yep. you do have your insurance with Platts. So you can see, obviously, your life and PPD insurance. You have 698,162. And then you do also have a pretty decent income protection in Palms Uber as well. Yep.","start_word":1830,"end_word":1935,"sentiment":"neutral","sentiment_score":0.09600305557250977},{"text":"Cool. All of those three is about 1,797. So it is pretty affordable for what you have.","start_word":1936,"end_word":1952,"sentiment":"positive","sentiment_score":0.39701271057128906},{"text":"Yep. And I know with your current employer, they also have that Zurich employer paid income protection. Do you know if the new employer have something similar? Yeah. Do you? So odd. I don't No? know. No. No. That's okay. When you do start and start, just it should Send be all that in through there. to you. Yeah.","start_word":1953,"end_word":2011,"sentiment":"neutral","sentiment_score":0.044139351490569315},{"text":"That would be great just so we can update it.","start_word":2012,"end_word":2021,"sentiment":"positive","sentiment_score":0.5870559811592102},{"text":"But the good thing is that that's why we didn't wanna cancel that other income protection in Plum because if you did change employers.","start_word":2022,"end_word":2045,"sentiment":"neutral","sentiment_score":0.30389073491096497},{"text":"Yeah. So if it is that they don't, you still have a pretty good income protection in Plum Super.","start_word":2046,"end_word":2064,"sentiment":"positive","sentiment_score":0.450571209192276},{"text":"Yeah.","start_word":2065,"end_word":2065,"sentiment":"neutral","sentiment_score":0.3332156538963318},{"text":"Cool.","start_word":2066,"end_word":2066,"sentiment":"positive","sentiment_score":0.5096725821495056},{"text":"And I did have a quick kind of quote for similar cover with other insurers Yep. to see now. It does also depend on, obviously, like, medical and stuff like that, but just looking from a a price point of view as well with other covers for looking at exactly the same amount that what you have right now. And it would be around 2,800 for the same amount of cover. Okay.","start_word":2067,"end_word":2138,"sentiment":"neutral","sentiment_score":0.1494198888540268},{"text":"Now So what I've got is pretty good. it is pretty good.","start_word":2139,"end_word":2150,"sentiment":"positive","sentiment_score":0.5372668504714966},{"text":"Now that cover would be tailored and underwritten, So it will provide you with a little bit more certainty, but then also the plump super, because you've had it for a lot longer, the the risk with a new cover is that when you do underwrite it, if there's any medical at all, that can Yeah. be excluded. So Yep. they could put an exclusion on policy to say that something you're not covered for, whereas plum suit, because you've had it for a lot longer, there is a higher chance of not having, obviously, anything like that. So Yeah. it is Yep. ultimately up to you if you do wanna reassess the covers and stuff now. With the change in work, we could wait to when things settle down a little bit for you, and, obviously, you'd have a lot going on.","start_word":2151,"end_word":2293,"sentiment":"neutral","sentiment_score":-0.0025914509315043688},{"text":"Obviously, with the changes, you still have really good cover that is pretty cheap for you.","start_word":2294,"end_word":2309,"sentiment":"positive","sentiment_score":0.4473294913768768},{"text":"Yeah. Yeah.","start_word":2310,"end_word":2311,"sentiment":"neutral","sentiment_score":0.2311977744102478},{"text":"Cool. So it is up to you if you're happy for to leave it for the time being.","start_word":2312,"end_word":2329,"sentiment":"positive","sentiment_score":0.3487750291824341},{"text":"Yeah. I think so.","start_word":2330,"end_word":2333,"sentiment":"neutral","sentiment_score":0.30941176414489746},{"text":"We can do that. Okay. Perfect.","start_word":2334,"end_word":2339,"sentiment":"positive","sentiment_score":0.4667673110961914},{"text":"Now would you like me through because, obviously, you have contributions going into Plum Super, so that will continue to go up. But you can see that you do have about 21,782 in Plum. Would Yep. you like me to have a bit more research on that to see if we should put some more into network from Plum, if it's going to put you a bit more, or what are your thoughts Yeah. on Yeah. that? If that's I mean, I always just leave that call up to you guys because Yeah. I wouldn't have a clue. No. That's And fine. I always just have faith that overview knows Yeah. what Yeah. what I should do. And if if he's Yep. like, we need to transfer money out of plumbing Yeah. into Netwealth, keep Yep. enough open Alright. for insurances and whatever you use, reckon. You got my Yep. full Okay. backing. Yeah.","start_word":2340,"end_word":2493,"sentiment":"neutral","sentiment_score":0.0694206953048706},{"text":"Perfect.","start_word":2494,"end_word":2494,"sentiment":"positive","sentiment_score":0.48619556427001953},{"text":"You don't Well, even what need I'll my do permission.","start_word":2495,"end_word":2504,"sentiment":"neutral","sentiment_score":0.11334092915058136},{"text":"I trust you you. have to sign it, but I'm glad you trust me.","start_word":2505,"end_word":2518,"sentiment":"positive","sentiment_score":0.3685109615325928},{"text":"Yeah. No. But what I'll do just just to check it is always good to do. So I will do some research and see if we do need to put a little bit in. Last time when we kind of reassessed everything earlier in the year, that returns in net wealth were a lot better than plum. And and if so, Yep. we do obviously wanna have the most amount of money where it's going to give you the most. Yeah. Yep. I think it's taken a fair old hit with with recent times. But, I mean, I understand those high risk and, you know, yeah, I think you make a lot of money on the back end of a big four. So, Yes. Yes. Exactly. yeah, And so and it with doesn't that worry as well, me. and, yeah, are you still happy, obviously, with your high growth portfolio? I know we went through all the risk Yeah. profile questionnaires and everything not long ago, so I won't Yeah. do that again.","start_word":2519,"end_word":2691,"sentiment":"neutral","sentiment_score":0.08297756314277649},{"text":"Perfect.","start_word":2692,"end_word":2692,"sentiment":"positive","sentiment_score":0.4285063147544861},{"text":"And with that as well, though, if you wanna open the one where it says net worth $20.24 IRR. Can you Yep. see that one in the attachment? Yeah. So this one gives you a breakdown of your portfolio. So this is why I keep waiting for me to open. Yep. Yep. So even though, like, you kind of touched on as well, we have had, obviously, fluctuations in the market last twelve months. We've seen quite a bit of ups and down in the market, and you had everything in The US with, you know, Trump and tariffs and everything. Yes. And then we more recently with the war. So we have seen a lot of fluctuation.","start_word":2693,"end_word":2810,"sentiment":"neutral","sentiment_score":0.006999524775892496},{"text":"The good thing is as well that with your new portfolio that we changed over in the new year, it's actually done really good.","start_word":2811,"end_word":2834,"sentiment":"positive","sentiment_score":0.6020865440368652},{"text":"So in the last twelve months, Yeah.","start_word":2835,"end_word":2841,"sentiment":"neutral","sentiment_score":0.29272598028182983},{"text":"after fees, your portfolio has still gone up by 14.6%, which we're really happy with. Yeah. Awesome. So, yeah, despite a bit of fluctuations, very happy with that outcome. So that's great. I think that is good.","start_word":2842,"end_word":2878,"sentiment":"positive","sentiment_score":0.5329932570457458},{"text":"Yeah. Yes. I'll still do just some research quickly on the plum and see if we wanna do a bit of a quick rollover for you. Otherwise, in the email, you would have seen this a couple of times. We've gone through them. That Vanguard index chart again, just an updated version if you do wanna have a look at it. Yep. And then also the financial services guide. Again, it's the same one we went through earlier in the year. It's just there if you do wanna have another read over them. Yeah. Yeah. Cool. Otherwise, if you are happy to do so, if you click on the link where it says sign now, it should ask you to sign an ongoing service agreement. So sign document. Yep. Just loading up. Yep. I'm down here. So I've got I don't know if you can hear because someone's speaking now. I've got the Yeah. dog's not nest beside me, but she's not saying, boo. But my niece on my lap, she's just playing with her horse measuring thing. Oh, That's yeah. my horse eating and praying, and then I got the chooks out of there. It's actually I'll leave. I can't hear it too much because it's funny sometimes with the like, even, like, sometimes people are working from home. Like, you hear the dog snoring or barking, and it's quite funny. But I can't I'm finding actually hear anything except from you. Sorry. That just is wait. good. Alright. So sign it. Yes. Sorry. Just so you Right. know is what we what you are signing, it is the the network ongoing service agreement.","start_word":2879,"end_word":3153,"sentiment":"neutral","sentiment_score":0.010620084621689537},{"text":"Just to say that you're obviously happy to stay on as a client.","start_word":3154,"end_word":3166,"sentiment":"positive","sentiment_score":0.4516075849533081},{"text":"There is no changes Yep. whatsoever in regards to the fee. It stays exactly Yep. the same at 1.65. And just per usual, not a lock in contract at any point in time. So if you're ever not happy, not a lock in contract. But, otherwise, it just lets us service you until your next interview. Yep.","start_word":3167,"end_word":3223,"sentiment":"neutral","sentiment_score":0.024229520931839943},{"text":"Sweet. Awesome. And the date. Great.","start_word":3224,"end_word":3229,"sentiment":"positive","sentiment_score":0.4570809304714203},{"text":"Yep.","start_word":3230,"end_word":3230,"sentiment":"neutral","sentiment_score":0.31707239151000977},{"text":"Validate.","start_word":3231,"end_word":3231,"sentiment":"positive","sentiment_score":0.3404742181301117},{"text":"And this yep.","start_word":3232,"end_word":3234,"sentiment":"neutral","sentiment_score":0.25772976875305176},{"text":"Perfect.","start_word":3235,"end_word":3235,"sentiment":"positive","sentiment_score":0.4656045138835907},{"text":"When you press validate, it should then send Yep. it to me. You'll also get a copy as well if you do wanna download them, but I always have a copy on file if you do need it. Straight. So I'll just wait I think for that to come through. I think Did that you say should that be on done. the name? Okay. I'll while I wait for that to to come through as well, I do just check if there's anything else that has changed with your fact fund there, Loretta. So updated, obviously, income occupation wise. Otherwise, personal information. Has anything changed? I still have next of kin your mom. Her phone number hasn't changed. That's all No. the same. Yep. No. Yeah. Perfect. Not changed. Yeah. Just work. Yep. We'll yeah. That's about We're it. cool. Yeah. Has any of your assets changed, or is it still I'll just kind of quickly run through what I have here, and you just let me know if you have changed. The the block of land was last night at about $6.80 with about $2.53 owing. So the the value of the land's gone up considerably. Oh, nice. Yeah. You could safely say it's crazy, WA. It's mental because I'm because I'm building. The builder said that we'll get a valuation before the banks, and it was sort of coming in from 950 to 1.5. But 1.5 is probably a bit of a stretch. So you can probably comfortably Right. say a million. About One that's million very to one good. point one comfortably. Yeah. Yeah.","start_word":3236,"end_word":3502,"sentiment":"neutral","sentiment_score":0.041730281425995774},{"text":"It is. It's great. Nice.","start_word":3503,"end_word":3507,"sentiment":"positive","sentiment_score":0.5876692533493042},{"text":"And especially when you do build as well, it will you Yeah. know? Yep. So so that's cool. And then the my I o two ninety four because I paid out my Hilux in full because that was a leased vehicle. So I had to Yes. Sorry. so That was the no longer 35 owing, so that's all cleared? yep. Yep. Yep. Perfect. I think it was 38. I had to pay $38,500 in the end Oh, because perfect. there was fees, because I've gone over k's, and you have to pay all back your Yeah. GST because I broke Yep. the lease blah blah blah. Never At doing least you that got again. an order. No. It's still high at about 65. Sorry? Is it still valued at around 0, sixty five yeah. thousand the car? Yep. Yep. Yeah. Haven't put many trades on it since. Been staying close to home, saving money. Nine. So about that, yeah, still Yep. got the boat, still got all the horses. Don't Yep. tell the bank And about they're the horses, yeah. And they're still though. valid roughly the same, like, 30 Yeah. thousand for the bar and 60 Yeah. ish for the horses. Perfect. Yeah. And shares about a 100,000 as well. Paul, I haven't looked at them for a while because they do we'll take a big dive. I don't know why. Normally, gold's a safe place for people's money in the times of war and all that, but, yeah, it hasn't been the case. So they're probably seeing about 85. Oh, BHP, mind you, they've gone through the roof, but my gold shares haven't so I don't know what Okay. I would yeah. That's are you happy to leave it at a 100, or do you want me Yeah. to change it through No. 80 You 5? can leave it because I don't think Yep. it'll be Okay.","start_word":3508,"end_word":3826,"sentiment":"neutral","sentiment_score":-0.0005855634107858784},{"text":"Perfect.","start_word":3827,"end_word":3827,"sentiment":"positive","sentiment_score":0.4221535921096802},{"text":"Otherwise, too health lifestyle, has anything much. changed since we No. spoke last? Alright. Perfect. No. All good. Private health insurance, do you have that? Yeah. I'm with Great. the HCF, and I pay a 190 Yes. a month. Yep.","start_word":3828,"end_word":3867,"sentiment":"neutral","sentiment_score":0.116287961602211},{"text":"At least it's good that you because you do have it, you don't have to pay the medical levy surcharge, which is nice.","start_word":3868,"end_word":3890,"sentiment":"positive","sentiment_score":0.4761419892311096},{"text":"The extra Medicare. Maybe Yes. I still have to pay one. Exactly. At least you I have don't, to pay miss the you. the extra, but yes. Yeah. That's Then that's you probably have to verify.","start_word":3891,"end_word":3926,"sentiment":"neutral","sentiment_score":0.08572109043598175},{"text":"that's great.","start_word":3927,"end_word":3928,"sentiment":"positive","sentiment_score":0.38001248240470886},{"text":"Yeah. And estate planning wise, any changes or all the same? No. No. I I was I did have a meeting with Carlos Ross or something. I remember I think they're a race, but I put them on hold because those things were changing. And Yep. then I figured so I don't have to pay more again to get it set up. I think I'll wait till my house is built, and Okay. then I'll do a proper will in that. Yeah. And then And, do the nominations and stuff. yeah, and Yep. all that then because it's so Yep. full on when I was about to do it. It's like 30 pages, and I was like, Jesus Yeah. Christ. It's not the kind of It thing I is wanted thorough, to spend my time. which is good, but but, yes, I see there, Yeah. especially if you're going through over the house and stuff.","start_word":3929,"end_word":4083,"sentiment":"neutral","sentiment_score":0.03150079176430741},{"text":"That's fine.","start_word":4084,"end_word":4085,"sentiment":"positive","sentiment_score":0.36182647943496704},{"text":"I'll just make a little note that you you know about it. But even from your superannuation point of view, we already have the will nominated. So when you Yeah. do get a will sorted, you don't have to update anything with your super. That's all Okay. in play.","start_word":4086,"end_word":4134,"sentiment":"neutral","sentiment_score":0.2403176873922348},{"text":"Cool.","start_word":4135,"end_word":4135,"sentiment":"positive","sentiment_score":0.405174195766449},{"text":"Sorry.","start_word":4136,"end_word":4136,"sentiment":"neutral","sentiment_score":0.30723845958709717},{"text":"Cool. That's all good, but, otherwise, that is on the cards. Sweet.","start_word":4137,"end_word":4148,"sentiment":"positive","sentiment_score":0.5820168852806091},{"text":"Any any other changes, otherwise? Any changes to, like, your goals and what you were working towards, or is it No. all kinda Just about build the a house. same? Just Yeah.","start_word":4149,"end_word":4180,"sentiment":"neutral","sentiment_score":0.09988290071487428},{"text":"build my dream home and, yeah, just keep enjoying life.","start_word":4181,"end_word":4190,"sentiment":"positive","sentiment_score":0.5321084856987},{"text":"Not too Yeah. much of a plan, to be honest. Some might feel like, what's your three and five goal plan? I don't have one. I just wanna wake up tomorrow and keep propping off. So Which which that's is not alright. bad at times as well. Yeah. I'm very much a planner, and sometimes it can stress you. Yeah. So sometimes I wish Things I could have change. a bit more of that mentality that, you know, then you don't Yeah. stress about it, and you work with the flow. And if things Yeah. do change, you Yeah. deal with the That's it. Just deal with things. So if I'm any worried that will happen, better. I was like, no. I'm not worried at all. But if Yeah. it did, Yeah. I'll deal with it then, and that's when I'll save energy for things as they happen. I don't waste Yes. energy for things that most of the time don't even come to fruition, Yeah. whether it's a plan No. or something bad. You know? Like, Yeah. I I can't involve No. the planning. Yeah. Everything's No.","start_word":4191,"end_word":4378,"sentiment":"neutral","sentiment_score":-0.0019065307452036267},{"text":"That unfolded is pretty sweet in my life today, so I yeah. think yeah. Yeah. You're you're doing you're doing good. Perfect.","start_word":4379,"end_word":4400,"sentiment":"positive","sentiment_score":0.5996466875076294},{"text":"Now it doesn't look like Yeah. the document has still come through yet. So I don't know if it's Internet. Did it definitely say, like, when you clicked validate and and send, what did it say after that? It's just gone like it's I pressed validate and it it all Yeah. did, like, the wheel of this thing and and then it's going back to that same page where all the signatures Okay. are which I filled in. And it's not validate down the bottom, but you can't click Okay. it because it's kind of become a see through validate button there. But I I did press it, and it did, like, load or whatever, like, the wheel of death. But Yep. yeah. Now Because I'll do see. you want me to just press If you sign could document again? Go back if through? you could and see because sometimes techno it's great when it works, but sometimes it can be a little bit iffy. Because usually by now, it has come through. So if you don't mind, that would be great, and see see if that comes through. Yeah. Yep. Real easy. That's me. Yeah, mate. It needs to show what else? This? Alright. I'll get it sorted for you. Right now. I press invalidate again. It's loading. Yep. I will see. And while it loads, when is a good time for me to give you a quick call just about those potential rollovers? So it should be a pretty quick one. So I When go back is to work yeah. work today. I'm too scared to look at my there you go. You'll get us signed up from it said it's signed. Download. Yes. Okay. I So can I see don't it's need come to through download already. it because No. you We got have a copy. a copy on file. Yeah. So if you ever wanted, just let me know, and I can email that to you. Yeah. See. So I'm home from the seventh to the May 13. Is that too soon? No. That should no seventh. Let me see. May 13. No. I could do it because it's pretty quick this time. Let me see. So would May 14 work for you? Fourteenth. Oh, the May 14 is the Thursday, isn't it? I'll fly back Yes. to work that day. I'm dated too, Okay. so I leave early morning. No. So we can That's leave okay. it to the following I break could, on '20 yeah, first to the could twenty seventh. I'm home. let Well, me '20 see. first to the twenty fifth. So I'll probably fly to my new job on the twenty sixth. Okay. Because otherwise, I'd probably so was that Wednesday the thirteenth best for you? Wednesday, the thirteenth, I can do. Yeah. Okay. Because I Except could for problem between nine and 10:30AM WA time I have an appointment. okay. Let me have a look. Because I probably could do if I do 11:30 my time, that's 09:30 your time. Does No. that I'd work, be or is that portion no. it? I'd be banging the middle of an appointment. No. That's okay. Because, otherwise, it might be too early because I could otherwise do 09:00 my time, but that is 07:00 your time. Is that too Yeah. early? I can do that. I'm a I'm a early bird. I'm always off early.","start_word":4401,"end_word":4973,"sentiment":"neutral","sentiment_score":-0.0006540207794492001},{"text":"Yeah. Perfect. And, honestly, it shouldn't take it should maybe take fifteen to fifteen minutes or so. Yeah. It should be a pretty quick one.","start_word":4974,"end_word":4998,"sentiment":"positive","sentiment_score":0.4708540737628937},{"text":"Alright. So I will book that in on Wednesday, May 13 at 7AM your time. If anything does change, you can't make it or your appointments or anything change, just let me know, and I'll see if I can shuffle a few things around for you. Yes. Wait. Too lazy. Yep.","start_word":4999,"end_word":5049,"sentiment":"neutral","sentiment_score":0.15092257015845356},{"text":"Perfect. Before Awesome. I let you go and enjoy the rest of your afternoon, do you have any other questions for me otherwise?","start_word":5050,"end_word":5072,"sentiment":"positive","sentiment_score":0.38847577571868896},{"text":"Nah. All good. No. Good Perfect. chat.","start_word":5073,"end_word":5079,"sentiment":"neutral","sentiment_score":0.19234482944011688},{"text":"Yeah. Wonderful.","start_word":5080,"end_word":5081,"sentiment":"positive","sentiment_score":0.4867465794086456},{"text":"Well, I hope everything goes well with the application and you resigning Mhmm. and Yeah. that you do Cool.","start_word":5082,"end_word":5100,"sentiment":"neutral","sentiment_score":0.23426148295402527},{"text":"get that police check soon. And, otherwise, I look forward to speaking with you on Wednesday, the thirteenth. No worries. Too easy. Thanks, Veronica. Enjoy the No rest problem of your day too.","start_word":5101,"end_word":5133,"sentiment":"positive","sentiment_score":0.4545896053314209},{"text":"at all. You too. See We you. speak soon. Bye. Bye.","start_word":5134,"end_word":5144,"sentiment":"neutral","sentiment_score":0.1816636174917221},{"text":"Thank you.","start_word":5145,"end_word":5146,"sentiment":"positive","sentiment_score":0.5368655920028687},{"text":"Bye. Bye. Bye.","start_word":5147,"end_word":5149,"sentiment":"neutral","sentiment_score":0.17591044306755066}],"average":{"sentiment":"neutral","sentiment_score":0.06283914716497738}}}}