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I was giving you a call to I was giving you a call today so we could go through your annual review and just have a bit of a touch base. Now still perfect time? Awesome. Well, before I jump into it, I do need to let you know that our calls are recorded. And then if I could just get you to confirm security for me, just full name, date of birth, and address. Perfect. Alright. So first and foremost, the one the thing I wanted to sort of, I guess, touch base on, firstly, was in December, Dana, your adviser, went through and did a recommendation to increase your income protection cover that you currently hold with Clearview because of the increase to your income up to the $130,000 mark. I know my team's been trying to get in contact with you just to go through that application and get that going. Was that something you were still wanting to go ahead with? Or okay. Are you intending on staying are you intending on staying part time for a long period of time? Like, should we look at maybe reducing instead of increasing? Or Yes. That's yeah. No. That's okay. Alright. Perfect. Well, you're are you still you're still with the same employer? Because I you were you're a project a program manager. Sorry. Oh, okay. Yep. That's well done. I with three kids. I've I've I've done it myself, but it it's a killer. Absolute killer. Yes. I I actually don't recommend, but I'm proud of you for doing it, going back and getting it done. Yep. Yep. Yeah. Yeah. That's fair. No. Look. I I started my masters ten years after I finished an undergrad, and in that ten years, I've had three kids. And I think the the the biggest point that I took away from doing my master's was, while I absolutely had to do it, it was an a massive juggle to get it done. And now that I'm stabilized, no longer studying, I look back and go, well, you know what? If I could do three kids and a master's and work, I can do anything. So, you know yeah. It's it's pretty chill now. It's it's just work and kids. There's no studies, so it's fine. What am I complaining about? Perfect. Well, that's good. So how long until you finish the masters? Yep. Yes. Yep. Alright. That's okay. So we'll we'll be Yeah. Right. A little little bit. Just a touch. Perfect. Okay. So, ultimately speaking, I guess what today's conversation is is to, I guess, have a look at where things sit right now and whether there's any movement that we could or should make to your account, your overall goals, your position as a whole, and sort of, I guess, establish a a baseline for things again. It's just a good health check as we go through to make sure that everything is swimming along well. Now I I'll run through a few things that I have on file, and then you can fill in any gaps as we go through just so that way my records are up to date. Mhmm. I'm just getting the computer to do what I need it to do, though. There it is. Sorry. I pressed the button and everything disappeared. So I obviously have you your your address and and contact date details still accurate. The the three kids, can I ask, how old are are they all? Beautiful. Oh, that's that's just another layer of fun to add onto the top of that because they'll be starting to drive. And it's double the fun with two of them. Yes. You really do, don't you? Word. Okay. So nine and sixteen. And then with your new role, what's what's your income looking like at the moment? Okay. Okay. So that's $1.20 is the base rate, and then you're doing three days a week. Okay. And that's so that would be cool. Because this divided by and the normal normal work is, like, five five, four days? Okay. Cool. So rough income would be around that $96,000 a year mark based on the part time role. Okay. Perfect. And do you have a EBA with that employer? Yes. Yeah. Employer bargaining, enterprise. Yeah. Anything like that. And perfect. And who who is the employer that you're working for now? Perfect. And you started with them within the last twelve months or so? Yeah. Cool. And then you're still are you you're still sort of, like, a program manager within that role? Or what do you do under that? Okay. Cool. Yeah. No. Definitely. Perfect. Now assets and and liabilities wise, I know we have the the car, around $50,000 worth of value and about 28,000 owing. Is that still correct? Perfect. Do you know do you know when the the loan is like, that term? Okay. Cool. Alright. Good good to know. And then you had a personal loan as well for about 30,000, which I'm assuming is a little bit lower now. Okay. Do you know what the rough value of the loans are? K. Perfect. And they both terminate sort of within the next twelve months or so. Beautiful. And then rent, is your rent still around that $96.90? Sorry. Perfect. I'm assuming that's per week. Awesome. Are are there any other assets or liabilities that I haven't covered? Nope. Good. Cool. Yep. Good. Good. Perfect. I know. It is very much so. Now just with regards to estate planning side of things, did you have a a will, power of attorney document at all that you've drawn up? Yeah. Okay. Well, we can definitely talk about how we can, like, establish those documents during today's call. And we can talk about cost effective ways and no. Not cost effective ways. And with respect to, like, just your like, tax jurisdiction, citizenship, stuff like that, are you you're are you're a Australian citizen or a resident? Citizen? Perfect. Alright. Amazing. And we've never been declared bankrupt or gone into a a debt agreement at all? Yep. Amazing. Cool. Alright. That just covers that off. Now with respect to your your goals, previously, what you were working towards was paying off the car loan and the debts and then possibly looking at, like, first home super saver scheme to be able to look towards a first home. And then, you know, further down the line, investment properties, family holidays, you're wanting to go overseas to The United States. Is that still what we're aiming towards, or do we have any other goals that we're looking at? Nice. Do you have a timeline on what you when you wanna do that? So it's like a five plus. Yeah. Okay. Perfect. Do you know what you what you'll need to sort of save to do that trip or what it's gonna cost for the four of you to go? Yeah. Okay. So I guess there's there's a couple of different directions we can head with that goal. So do you have, like, a personal budget that you operate by? Or, like, it doesn't even have to be something written down, but something that you you sort of operate internally with. Yep. Okay. Yeah. Yep. Okay. Because what I what I can sort of see, I guess, from just just a little bit we've talked about is, I guess, first and foremost, within the next twelve months, you're gonna have the two personal loan repayments free up. So what that's gonna mean and that, obviously, depending on how much that is that you pay per pay cycle, that's money that can be allocated to one of the two goals you had. Now you've already indicated that buying a house is a higher priority than the holiday, being that it's priority number one. So, essentially speaking, what that means is we could look at doing first time super saver scheme style, investing to put that money away for for the home or you, you know, put it into an investment account or we look at, you know, just having, like, a a decently high high savings account personally. It just, like, I guess, depends on whether you feel you need the funds liquid or whether you need, you know, or whether you're comfortable to put that money away and not be able to touch it. So that way yeah. Yeah. I'll borrow from Peter, and I'll pay Paul back eventually, but Paul never gets paid Yep. Yeah. Correct. They they definitely are. Yeah. Yeah. But some some would say they're friends, but they're not. They're the same person. No. That's do you know how much you pay for your loans each pay cycle? Yep. 2 50. Yeah. That's fair. Because that's essentially a thousand dollars a fortnight that's going towards the loans. Now realistically speaking, the $2.50 and the $3.17, if that's freed up next year, that gives you 5 hun that that gives you more than half of that amount, I guess, back to you. Yeah. We we make the decisions based on a financial position at one time, and the financial position changes. Yep. Yeah. The role of it all, and we we don't quite know what we don't know. Yeah. Okay. Well, it's not unobtainable, because realistically speaking, you've been doing without the money on the personal loan for a while. Like, the money that you're putting towards the personal loan, you've been doing that for a while anyway. So what we could do is we could allocate a portion of that when the loans come up towards saving for a house, and we could utilize the first time 60% scheme as a possible methodology to do that, which it does lock the money away from you while it in because it's a a use of your superannuation fund, but it locks the money away from you for a while to be able to utilize an account that you can't touch. So there's no Peter Paul scenario, and it gives you, I guess, that that capacity to be able to do that. The the biggest issue I I I guess I'm currently running into is knowing exactly when those loans come up so we can, I guess, structure how to get that set up? So if you're able to look up the date, it doesn't have to be now. It can you know? Yes. Yeah. Yeah. Alright. That's okay. We can always circle back in six months' time, and we can kind of readdress it then, which will give us, I guess, a little bit more flexibility knowledge on the way forward as well. But I think the the biggest thing for you probably at the moment, which is the change of circumstances and where things are going, is when those loans do come up, it's probably definitely building yourself a nice buffer in your cash flow. So having a bit of a savings account where you can have that, I guess, incidentals sitting there to deal with things that do pop up. So that way you're not, I guess, constantly chasing your tail, finding yourself in the in the realm of needing to get a personal loan to cover something. And that's just the time. It's just it's we know it's coming. It's just we have to wait that time out and get those loans paid off. Absolutely, higher higher income's gonna help clear that off. But at the moment, we just, I guess, put along. So I guess today, we can sort of focus on where things are at with your super fund. Obviously, I'll cancel the insurance at at the moment, and we can circle back to that towards the beginning of next year when maybe maybe we could sort of put a six month calendar date in for that March period where we touch base, have a conversation about where things sit now, where your income is, whether we do need to still go ahead with the increase on the insurance application for the income protection, and and we can look at possible other savings avenues for getting that priority one goal. Like, actually start working towards it properly and not just it's a segment of our imagination or it's something we wanna achieve. We can actually start putting steps in place to achieve it. They're not 16 year old? Oh, okay. So we have 25, 16, 16, and nine. Cool. Cool. Cool. Yeah. No. No. Absolutely. We can what we can do is we can do so there's there's one or two ways we can do it. I can have a conversation with her about just her and get, I guess, that baseline side thing like, side done exactly, like, as we've done for you. Exactly as we've done for you where we can, I guess, look at her super, her insurances, look at, you know, putting some budget planning together if she hasn't already looked at that previously, get that side of things, I guess, set up? And then come March, she'll be sort of in a similar position to you where she'll have a little bit more knowledge behind her belt. We'll have sorted that base baseline out, gotten a budget in place if she doesn't have one already, and then we'll be able to have a joint conversation in March. So that's option one. Option two is we can have a joint conversation, you, her, and us, and I can just either segment it to just the topics you're wanting to, so the scope of advice you wanna look at, which is joint budgeting and house planning advice, and then look at addressing her stuff later, or I can amalgamate it into the piece of advice with you guys joint. It just becomes really messy when I'm looking at her her very specific like, her super her insurance is her. It's not it has nothing to do with you. But the budgeting, house planning, house purchase is where like, is the joint piece of advice. So, essentially speaking, she would end up with sort of two pieces of advice in the same area. One would be you and her, and one would be just her. And it's it's totally up to you guys how you wanna do it. I'm happy to connect with her now ish. I'm not saying today, but now and sort of get things moving. And even if it's just a touch base, hey. This is what we do. This is what we charge. This is how we operate. Do you wanna talk now or do you wanna talk later and go from there? And you can either pass our contact details on, or if you want, you can give me her her name, phone number, email address, and I can reach out to her and be like, hey. Mumsy gave me your details and blah blah blah. Yeah. I can pop it all in an email for you so that way you have something to talk about and you can just respond to it. Yeah. Perfect. Alright. Well, I guess, what what I what I have to go through today is I'm just trying to pull it up because I dropped it. Silly. What I have to go through today is, I guess, what's called your annual review. So it's where we go through your, like, your account as it currently stands, and I I have, like, a bit of a review pack for you of just documents that shows the performance, how things are are situated. We can kinda talk about where the investments lie with your account currently and whether there's any possible movements that I can identify you wanna look at incorporating in the account. I'm just trying to bring it up, and it's being a pain. Because computers are friends today. No. Not at all. Oh, I get it. No. No. I I get it. Sometimes life just takes takes precedent, and you just end up with a bunch of doc a bunch of of of extra stuff lying around and nothing. Oh, okay. Well, it's I don't know what's happening with the computer, but it's being a pain. But I'll I'll I'll be able to send them to you at the conclusion. I'm just it's not sending to you for some ungodly reason, but I'll go through the documents with you, and and we can go and and I'll I'll work out what's happening and get them sent. But the essentially speaking, you're you're Nothing's working. Everything's frozen. If everything's broken, Kylene. There we go. Your your Hub twenty four account stands at, like, a $128,000 today. The insurance that you hold has increased a little bit since we last spoke to you, just the CPI when it went through its renewal. So it's increased, and the life insurance stands at $701,045. PPD or total permanent facility is the same. The income protection stands at $7,352 a month, and it's got a 30 day wait, five year benefit period. Now, realistically speaking, with respect to your your investments within the your your superannuation fund, I have identified a couple of areas that we probably do need to look at making some movements on. And they sort of so two of the accounts, they're managed funds. One of them, the performance hasn't been fantastic, specifically with regards to the fee that they charge in the underlying investment. So what I wanna do is I'm not trying to chase performance, but I'm just trying to kind of, I guess, clean it up a little bit to get a better underlying cost base to the overall portfolio, so the overall investments, while also looking at sort of at least trying to to get some decent investment returns happening. The Benelong so it's a it's a Benelong investment. It was tracking really, really well a few years ago, but it's just been hit. Like, the Australian market got hit a little bit, and it just hasn't quite bounced back the way I'd like it to. So what I wanna do is basically offload that investment and look at alternatives within the Australian equities market that we can incorporate in. Second to that, there's a couple of, I guess, underlying funds. I just wanna kinda shake things up a little bit and just incorporate some new to the actual investment itself, diversify out a little bit more just so we can capture more of the market, then one of your assets, which is a banking hybrid. Now banking hybrid and this investment has been doing well. Don't get me wrong. But banking hybrids legislatively have actually been terminated as an investment style, and they're set to roll off from an investment perspective twenty twenty thirty one. I have to get it right. I keep saying 2021. 2031. So it's in five years. But, essentially, at the moment, it is performing well. And, realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point. And rather than hold on to it and then have the investment manager migrate you into a a fund that we're not we haven't chosen, we're not comfortable with, whatever the case may be, I would rather I'd rather be able to make the decision ourselves and actually pick where we wanna migrate to. And that way we have control over it rather than just allowing it to bait. So cool. So they're sort of the ones I wanna really target. So diversification, just decreasing some of the overall costs and getting rid of things that are being phased out. All in all, the fund has still pulled a return. So we're sitting at 4.64% and, like, for the for the year after fees, that Better Long Fund's being the massive drag to it. So offloading that's going to let us flip that around and get that cleaned up. So what I wanna do is within the next two weeks is get this it's it's gonna be very scoped based on what we've talked about today. So looking at, I guess, in in six months, looking at the property advice and cash flow side of things. So that's, you know, March next year. We're not going ahead with the insurance stuff, but just very specifically looking at the investments underlying within the Superfund. I wanna be able to get that advice drawn up and get it out to you within within two weeks. So that way, we can get that get that moving and happening. But are you okay if I focus on that as an advice piece rather than anything else? Is there anything else else that you, I guess, specifically want to look at or if there's anything else that you could identify? Yeah. Well, I'm already there for you. So, ultimately, today, I guess, what I'm gonna do is I'm gonna from the takeaway of everything, update your file with all of your new details. I I recorded four kids, not three. Three dependents, one not. I'll send you an email today with a just, I guess, a about overview information guide so that way you can talk to your daughter about it. And and I'll set a a calendar meeting for sort of that March period where we'll reach out to you in March to do that touch point. But are you okay if I put in my calendar now for two weeks from today? So that would be Thursday, the first of could I would it be okay if I go Wednesday, the thirtieth, if that's okay? Yeah. September 30. Just I've I've booked annually for the October 1. It's my ten year wedding anniversary, so I'm not gonna put myself in a position of of calling you. Yeah. But it'll it'll be much much quicker than today. It'll just be, hey. I've picked these stock options for these reasons. Are you okay with that? Here's my advice. Here's how things have changed. Let's go type of situation. Yeah. Absolutely. Yeah. Monday, the twenty eighth. Done. Would you be okay with the afternoon? Would you like Perfect. 02:00 it is. Cool. What I'll do is I'll pop it in the calendar, and I'll send you an invite to it as well. So it'll pop into your calendar, so that way you have that invite. Now for today, I do have that pack of documents to send to you. So you have a rundown of everything. It's a it's your certificate of currency for your for your insurance policy. It's a performance report for your super fund. An overview, it does have the index the the index chart. So it just shows how investments over the last from 1996, basically, so thirty years, have operated in different classes. So from cash to CPI to Australian bonds all the way through to, you know, US shares just to show how market fluctuation works. It's a really it's just a really nice graph, honestly. It does also include our, like, Oakview's ongoing servicing agreement as well. So it enables us to continue being your adviser on your account and the fees associated with it, which is $2,223.70 for the annum, which is broken up across the year. Perfect. So I'll get that sent to you once I figure out why my computer is not emailing it to you. I'll get my notes in, update your file, and get working on the investment slip ready for the twenty eighth. No. That's okay. Were there any other questions or anything else that you had for today? Or perfect. Well, cool. Well, I will talk to you in a week and a half, and we'll go from there. Yes. I will. I think after I get all my notes in, it might be some lunch. But you have a good one. Bye, Kylene. 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Kylene. Larissa, Oakview Financial. How are you going? Yeah. Really, really good.\n\nThank you. I was giving you a call to I was giving you a call today so we could go through your annual review and just have a bit of a touch base. Now still perfect time? Awesome. Well, before I jump into it, I do need to let you know that our calls are recorded.\n\nAnd then if I could just get you to confirm security for me, just full name, date of birth, and address. Perfect. Alright. So first and foremost, the one the thing I wanted to sort of, I guess, touch base on, firstly, was in December, Dana, your adviser, went through and did a recommendation to increase your income protection cover that you currently hold with Clearview because of the increase to your income up to the $130,000 mark. I know my team's been trying to get in contact with you just to go through that application and get that going.\n\nWas that something you were still wanting to go ahead with? Or okay. Are you intending on staying are you intending on staying part time for a long period of time? Like, should we look at maybe reducing instead of increasing? Or Yes.\n\nThat's yeah. No. That's okay. Alright. Perfect.\n\nWell, you're are you still you're still with the same employer? Because I you were you're a project a program manager. Sorry. Oh, okay. Yep.\n\nThat's well done. I with three kids. I've I've I've done it myself, but it it's a killer. Absolute killer. Yes.\n\nI I actually don't recommend, but I'm proud of you for doing it, going back and getting it done. Yep. Yep. Yeah. Yeah.\n\nThat's fair. No. Look. I I started my masters ten years after I finished an undergrad, and in that ten years, I've had three kids. And I think the the the biggest point that I took away from doing my master's was, while I absolutely had to do it, it was an a massive juggle to get it done.\n\nAnd now that I'm stabilized, no longer studying, I look back and go, well, you know what? If I could do three kids and a master's and work, I can do anything. So, you know yeah. It's it's pretty chill now. It's it's just work and kids.\n\nThere's no studies, so it's fine. What am I complaining about? Perfect. Well, that's good. So how long until you finish the masters?\n\nYep. Yes. Yep. Alright. That's okay.\n\nSo we'll we'll be Yeah. Right. A little little bit. Just a touch. Perfect.\n\nOkay. So, ultimately speaking, I guess what today's conversation is is to, I guess, have a look at where things sit right now and whether there's any movement that we could or should make to your account, your overall goals, your position as a whole, and sort of, I guess, establish a a baseline for things again. It's just a good health check as we go through to make sure that everything is swimming along well. Now I I'll run through a few things that I have on file, and then you can fill in any gaps as we go through just so that way my records are up to date. Mhmm.\n\nI'm just getting the computer to do what I need it to do, though. There it is. Sorry. I pressed the button and everything disappeared. So I obviously have you your your address and and contact date details still accurate.\n\nThe the three kids, can I ask, how old are are they all? Beautiful. Oh, that's that's just another layer of fun to add onto the top of that because they'll be starting to drive. And it's double the fun with two of them. Yes.\n\nYou really do, don't you? Word. Okay. So nine and sixteen. And then with your new role, what's what's your income looking like at the moment?\n\nOkay. Okay. So that's $1.20 is the base rate, and then you're doing three days a week. Okay. And that's so that would be cool.\n\nBecause this divided by and the normal normal work is, like, five five, four days? Okay. Cool. So rough income would be around that $96,000 a year mark based on the part time role. Okay.\n\nPerfect. And do you have a EBA with that employer? Yes. Yeah. Employer bargaining, enterprise.\n\nYeah. Anything like that. And perfect. And who who is the employer that you're working for now? Perfect.\n\nAnd you started with them within the last twelve months or so? Yeah. Cool. And then you're still are you you're still sort of, like, a program manager within that role? Or what do you do under that?\n\nOkay. Cool. Yeah. No. Definitely.\n\nPerfect. Now assets and and liabilities wise, I know we have the the car, around $50,000 worth of value and about 28,000 owing. Is that still correct? Perfect. Do you know do you know when the the loan is like, that term?\n\nOkay. Cool. Alright. Good good to know. And then you had a personal loan as well for about 30,000, which I'm assuming is a little bit lower now.\n\nOkay. Do you know what the rough value of the loans are? K. Perfect. And they both terminate sort of within the next twelve months or so.\n\nBeautiful. And then rent, is your rent still around that $96.90? Sorry. Perfect. I'm assuming that's per week.\n\nAwesome. Are are there any other assets or liabilities that I haven't covered? Nope. Good. Cool.\n\nYep. Good. Good. Perfect. I know.\n\nIt is very much so. Now just with regards to estate planning side of things, did you have a a will, power of attorney document at all that you've drawn up? Yeah. Okay. Well, we can definitely talk about how we can, like, establish those documents during today's call.\n\nAnd we can talk about cost effective ways and no. Not cost effective ways. And with respect to, like, just your like, tax jurisdiction, citizenship, stuff like that, are you you're are you're a Australian citizen or a resident? Citizen? Perfect.\n\nAlright. Amazing. And we've never been declared bankrupt or gone into a a debt agreement at all? Yep. Amazing.\n\nCool. Alright. That just covers that off. Now with respect to your your goals, previously, what you were working towards was paying off the car loan and the debts and then possibly looking at, like, first home super saver scheme to be able to look towards a first home. And then, you know, further down the line, investment properties, family holidays, you're wanting to go overseas to The United States.\n\nIs that still what we're aiming towards, or do we have any other goals that we're looking at? Nice. Do you have a timeline on what you when you wanna do that? So it's like a five plus. Yeah.\n\nOkay. Perfect. Do you know what you what you'll need to sort of save to do that trip or what it's gonna cost for the four of you to go? Yeah. Okay.\n\nSo I guess there's there's a couple of different directions we can head with that goal. So do you have, like, a personal budget that you operate by? Or, like, it doesn't even have to be something written down, but something that you you sort of operate internally with. Yep. Okay.\n\nYeah. Yep. Okay. Because what I what I can sort of see, I guess, from just just a little bit we've talked about is, I guess, first and foremost, within the next twelve months, you're gonna have the two personal loan repayments free up. So what that's gonna mean and that, obviously, depending on how much that is that you pay per pay cycle, that's money that can be allocated to one of the two goals you had.\n\nNow you've already indicated that buying a house is a higher priority than the holiday, being that it's priority number one. So, essentially speaking, what that means is we could look at doing first time super saver scheme style, investing to put that money away for for the home or you, you know, put it into an investment account or we look at, you know, just having, like, a a decently high high savings account personally. It just, like, I guess, depends on whether you feel you need the funds liquid or whether you need, you know, or whether you're comfortable to put that money away and not be able to touch it. So that way yeah. Yeah.\n\nI'll borrow from Peter, and I'll pay Paul back eventually, but Paul never gets paid Yep. Yeah. Correct. They they definitely are. Yeah.\n\nYeah. But some some would say they're friends, but they're not. They're the same person. No. That's do you know how much you pay for your loans each pay cycle?\n\nYep. 2 50. Yeah. That's fair. Because that's essentially a thousand dollars a fortnight that's going towards the loans.\n\nNow realistically speaking, the $2.50 and the $3.17, if that's freed up next year, that gives you 5 hun that that gives you more than half of that amount, I guess, back to you. Yeah. We we make the decisions based on a financial position at one time, and the financial position changes. Yep. Yeah.\n\nThe role of it all, and we we don't quite know what we don't know. Yeah. Okay. Well, it's not unobtainable, because realistically speaking, you've been doing without the money on the personal loan for a while. Like, the money that you're putting towards the personal loan, you've been doing that for a while anyway.\n\nSo what we could do is we could allocate a portion of that when the loans come up towards saving for a house, and we could utilize the first time 60% scheme as a possible methodology to do that, which it does lock the money away from you while it in because it's a a use of your superannuation fund, but it locks the money away from you for a while to be able to utilize an account that you can't touch. So there's no Peter Paul scenario, and it gives you, I guess, that that capacity to be able to do that. The the biggest issue I I I guess I'm currently running into is knowing exactly when those loans come up so we can, I guess, structure how to get that set up? So if you're able to look up the date, it doesn't have to be now. It can you know?\n\nYes. Yeah. Yeah. Alright. That's okay.\n\nWe can always circle back in six months' time, and we can kind of readdress it then, which will give us, I guess, a little bit more flexibility knowledge on the way forward as well. But I think the the biggest thing for you probably at the moment, which is the change of circumstances and where things are going, is when those loans do come up, it's probably definitely building yourself a nice buffer in your cash flow. So having a bit of a savings account where you can have that, I guess, incidentals sitting there to deal with things that do pop up. So that way you're not, I guess, constantly chasing your tail, finding yourself in the in the realm of needing to get a personal loan to cover something. And that's just the time.\n\nIt's just it's we know it's coming. It's just we have to wait that time out and get those loans paid off. Absolutely, higher higher income's gonna help clear that off. But at the moment, we just, I guess, put along. So I guess today, we can sort of focus on where things are at with your super fund.\n\nObviously, I'll cancel the insurance at at the moment, and we can circle back to that towards the beginning of next year when maybe maybe we could sort of put a six month calendar date in for that March period where we touch base, have a conversation about where things sit now, where your income is, whether we do need to still go ahead with the increase on the insurance application for the income protection, and and we can look at possible other savings avenues for getting that priority one goal. Like, actually start working towards it properly and not just it's a segment of our imagination or it's something we wanna achieve. We can actually start putting steps in place to achieve it. They're not 16 year old? Oh, okay.\n\nSo we have 25, 16, 16, and nine. Cool. Cool. Cool. Yeah.\n\nNo. No. Absolutely. We can what we can do is we can do so there's there's one or two ways we can do it. I can have a conversation with her about just her and get, I guess, that baseline side thing like, side done exactly, like, as we've done for you.\n\nExactly as we've done for you where we can, I guess, look at her super, her insurances, look at, you know, putting some budget planning together if she hasn't already looked at that previously, get that side of things, I guess, set up? And then come March, she'll be sort of in a similar position to you where she'll have a little bit more knowledge behind her belt. We'll have sorted that base baseline out, gotten a budget in place if she doesn't have one already, and then we'll be able to have a joint conversation in March. So that's option one. Option two is we can have a joint conversation, you, her, and us, and I can just either segment it to just the topics you're wanting to, so the scope of advice you wanna look at, which is joint budgeting and house planning advice, and then look at addressing her stuff later, or I can amalgamate it into the piece of advice with you guys joint.\n\nIt just becomes really messy when I'm looking at her her very specific like, her super her insurance is her. It's not it has nothing to do with you. But the budgeting, house planning, house purchase is where like, is the joint piece of advice. So, essentially speaking, she would end up with sort of two pieces of advice in the same area. One would be you and her, and one would be just her.\n\nAnd it's it's totally up to you guys how you wanna do it. I'm happy to connect with her now ish. I'm not saying today, but now and sort of get things moving. And even if it's just a touch base, hey. This is what we do.\n\nThis is what we charge. This is how we operate. Do you wanna talk now or do you wanna talk later and go from there? And you can either pass our contact details on, or if you want, you can give me her her name, phone number, email address, and I can reach out to her and be like, hey. Mumsy gave me your details and blah blah blah.\n\nYeah. I can pop it all in an email for you so that way you have something to talk about and you can just respond to it. Yeah. Perfect. Alright.\n\nWell, I guess, what what I what I have to go through today is I'm just trying to pull it up because I dropped it. Silly. What I have to go through today is, I guess, what's called your annual review. So it's where we go through your, like, your account as it currently stands, and I I have, like, a bit of a review pack for you of just documents that shows the performance, how things are are situated. We can kinda talk about where the investments lie with your account currently and whether there's any possible movements that I can identify you wanna look at incorporating in the account.\n\nI'm just trying to bring it up, and it's being a pain. Because computers are friends today. No. Not at all. Oh, I get it.\n\nNo. No. I I get it. Sometimes life just takes takes precedent, and you just end up with a bunch of doc a bunch of of of extra stuff lying around and nothing. Oh, okay.\n\nWell, it's I don't know what's happening with the computer, but it's being a pain. But I'll I'll I'll be able to send them to you at the conclusion. I'm just it's not sending to you for some ungodly reason, but I'll go through the documents with you, and and we can go and and I'll I'll work out what's happening and get them sent. But the essentially speaking, you're you're Nothing's working. Everything's frozen.\n\nIf everything's broken, Kylene. There we go. Your your Hub twenty four account stands at, like, a $128,000 today. The insurance that you hold has increased a little bit since we last spoke to you, just the CPI when it went through its renewal. So it's increased, and the life insurance stands at $701,045.\n\nPPD or total permanent facility is the same. The income protection stands at $7,352 a month, and it's got a 30 day wait, five year benefit period. Now, realistically speaking, with respect to your your investments within the your your superannuation fund, I have identified a couple of areas that we probably do need to look at making some movements on. And they sort of so two of the accounts, they're managed funds. One of them, the performance hasn't been fantastic, specifically with regards to the fee that they charge in the underlying investment.\n\nSo what I wanna do is I'm not trying to chase performance, but I'm just trying to kind of, I guess, clean it up a little bit to get a better underlying cost base to the overall portfolio, so the overall investments, while also looking at sort of at least trying to to get some decent investment returns happening. The Benelong so it's a it's a Benelong investment. It was tracking really, really well a few years ago, but it's just been hit. Like, the Australian market got hit a little bit, and it just hasn't quite bounced back the way I'd like it to. So what I wanna do is basically offload that investment and look at alternatives within the Australian equities market that we can incorporate in.\n\nSecond to that, there's a couple of, I guess, underlying funds. I just wanna kinda shake things up a little bit and just incorporate some new to the actual investment itself, diversify out a little bit more just so we can capture more of the market, then one of your assets, which is a banking hybrid. Now banking hybrid and this investment has been doing well. Don't get me wrong. But banking hybrids legislatively have actually been terminated as an investment style, and they're set to roll off from an investment perspective twenty twenty thirty one.\n\nI have to get it right. I keep saying 2021. 2031. So it's in five years. But, essentially, at the moment, it is performing well.\n\nAnd, realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point. And rather than hold on to it and then have the investment manager migrate you into a a fund that we're not we haven't chosen, we're not comfortable with, whatever the case may be, I would rather I'd rather be able to make the decision ourselves and actually pick where we wanna migrate to. And that way we have control over it rather than just allowing it to bait. So cool. So they're sort of the ones I wanna really target.\n\nSo diversification, just decreasing some of the overall costs and getting rid of things that are being phased out. All in all, the fund has still pulled a return. So we're sitting at 4.64% and, like, for the for the year after fees, that Better Long Fund's being the massive drag to it. So offloading that's going to let us flip that around and get that cleaned up. So what I wanna do is within the next two weeks is get this it's it's gonna be very scoped based on what we've talked about today.\n\nSo looking at, I guess, in in six months, looking at the property advice and cash flow side of things. So that's, you know, March next year. We're not going ahead with the insurance stuff, but just very specifically looking at the investments underlying within the Superfund. I wanna be able to get that advice drawn up and get it out to you within within two weeks. So that way, we can get that get that moving and happening.\n\nBut are you okay if I focus on that as an advice piece rather than anything else? Is there anything else else that you, I guess, specifically want to look at or if there's anything else that you could identify? Yeah. Well, I'm already there for you. So, ultimately, today, I guess, what I'm gonna do is I'm gonna from the takeaway of everything, update your file with all of your new details.\n\nI I recorded four kids, not three. Three dependents, one not. I'll send you an email today with a just, I guess, a about overview information guide so that way you can talk to your daughter about it. And and I'll set a a calendar meeting for sort of that March period where we'll reach out to you in March to do that touch point. But are you okay if I put in my calendar now for two weeks from today?\n\nSo that would be Thursday, the first of could I would it be okay if I go Wednesday, the thirtieth, if that's okay? Yeah. September 30. Just I've I've booked annually for the October 1. It's my ten year wedding anniversary, so I'm not gonna put myself in a position of of calling you.\n\nYeah. But it'll it'll be much much quicker than today. It'll just be, hey. I've picked these stock options for these reasons. Are you okay with that?\n\nHere's my advice. Here's how things have changed. Let's go type of situation. Yeah. Absolutely.\n\nYeah. Monday, the twenty eighth. Done. Would you be okay with the afternoon? Would you like Perfect.\n\n02:00 it is. Cool. What I'll do is I'll pop it in the calendar, and I'll send you an invite to it as well. So it'll pop into your calendar, so that way you have that invite. Now for today, I do have that pack of documents to send to you.\n\nSo you have a rundown of everything. It's a it's your certificate of currency for your for your insurance policy. It's a performance report for your super fund. An overview, it does have the index the the index chart. So it just shows how investments over the last from 1996, basically, so thirty years, have operated in different classes.\n\nSo from cash to CPI to Australian bonds all the way through to, you know, US shares just to show how market fluctuation works. It's a really it's just a really nice graph, honestly. It does also include our, like, Oakview's ongoing servicing agreement as well. So it enables us to continue being your adviser on your account and the fees associated with it, which is $2,223.70 for the annum, which is broken up across the year. Perfect.\n\nSo I'll get that sent to you once I figure out why my computer is not emailing it to you. I'll get my notes in, update your file, and get working on the investment slip ready for the twenty eighth. No. That's okay. Were there any other questions or anything else that you had for today?\n\nOr perfect. Well, cool. Well, I will talk to you in a week and a half, and we'll go from there. Yes. I will.\n\nI think after I get all my notes in, it might be some lunch. But you have a good one. Bye, Kylene. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kylene.","start":2.6399999,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.11452100425958633},{"text":"Larissa, Oakview Financial.","start":3.84,"end":5.2,"sentiment":"neutral","sentiment_score":0.10603391379117966},{"text":"How are you going?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.16450772061944008},{"text":"Yeah.","start":8.0,"end":8.5,"sentiment":"neutral","sentiment_score":0.30279093980789185},{"text":"Really, really good.","start":8.559999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5997756918271383}],"sentiment":"neutral","sentiment_score":0.2544071267430599,"num_words":13,"start":2.6399999,"end":9.5199995},{"sentences":[{"text":"Thank you.","start":9.5199995,"end":10.26,"sentiment":"positive","sentiment_score":0.720276802778244},{"text":"I was giving you a call to I was giving you a call today so we could go through your annual review and just have a bit of a touch base.","start":10.8,"end":17.435001,"sentiment":"neutral","sentiment_score":0.22013396144874633},{"text":"Now still perfect time?","start":17.435001,"end":19.055,"sentiment":"neutral","sentiment_score":0.13333703204989433},{"text":"Awesome.","start":21.035,"end":21.535,"sentiment":"positive","sentiment_score":0.4964669942855835},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded.","start":21.755001,"end":24.475,"sentiment":"neutral","sentiment_score":0.056783798357678786}],"sentiment":"neutral","sentiment_score":0.18422553398912506,"num_words":56,"start":9.5199995,"end":24.475},{"sentences":[{"text":"And then if I could just get you to confirm security for me, just full name, date of birth, and address.","start":24.475,"end":28.575,"sentiment":"neutral","sentiment_score":0.05690832400605792},{"text":"Perfect.","start":37.81,"end":38.31,"sentiment":"neutral","sentiment_score":0.24057182669639587},{"text":"Alright.","start":39.09,"end":39.59,"sentiment":"neutral","sentiment_score":0.1015561744570732},{"text":"So first and foremost, the one the thing I wanted to sort of, I guess, touch base on, firstly, was in December, Dana, your adviser, went through and did a recommendation to increase your income protection cover that you currently hold with Clearview because of the increase to your income up to the $130,000 mark.","start":40.05,"end":62.51,"sentiment":"neutral","sentiment_score":0.021287675117227164},{"text":"I know my team's been trying to get in contact with you just to go through that application and get that going.","start":63.45,"end":69.39,"sentiment":"neutral","sentiment_score":0.00973366666585207}],"sentiment":"neutral","sentiment_score":0.02922165603376925,"num_words":100,"start":24.475,"end":69.39},{"sentences":[{"text":"Was that something you were still wanting to go ahead with?","start":69.775,"end":72.515,"sentiment":"neutral","sentiment_score":-0.028175295584581116},{"text":"Or okay.","start":72.735,"end":82.274994,"sentiment":"neutral","sentiment_score":-0.05660536698997021},{"text":"Are you intending on staying are you intending on staying part time for a long period of time?","start":83.41,"end":87.89,"sentiment":"neutral","sentiment_score":-0.05773937557306555},{"text":"Like, should we look at maybe reducing instead of increasing?","start":87.89,"end":90.55,"sentiment":"neutral","sentiment_score":-0.06482173278927802},{"text":"Or Yes.","start":90.69,"end":98.965004,"sentiment":"neutral","sentiment_score":-0.05098805949091911}],"sentiment":"neutral","sentiment_score":-0.05145677192093328,"num_words":43,"start":69.775,"end":98.965004},{"sentences":[{"text":"That's yeah.","start":99.745,"end":108.945,"sentiment":"neutral","sentiment_score":-0.04188068397343159},{"text":"No.","start":108.945,"end":109.185005,"sentiment":"neutral","sentiment_score":-0.08528076112270355},{"text":"That's okay.","start":109.185005,"end":110.005005,"sentiment":"neutral","sentiment_score":-0.04391658212989569},{"text":"Alright.","start":110.145004,"end":110.465004,"sentiment":"neutral","sentiment_score":0.032349348068237305},{"text":"Perfect.","start":110.465004,"end":110.965004,"sentiment":"neutral","sentiment_score":0.06413797289133072}],"sentiment":"neutral","sentiment_score":-0.022912567481398582,"num_words":7,"start":99.745,"end":110.965004},{"sentences":[{"text":"Well, you're are you still you're still with the same employer?","start":111.185,"end":113.605,"sentiment":"neutral","sentiment_score":-0.024102959358556705},{"text":"Because I you were you're a project a program manager.","start":113.920006,"end":116.880005,"sentiment":"neutral","sentiment_score":-0.03458615057170391},{"text":"Sorry.","start":116.880005,"end":117.380005,"sentiment":"neutral","sentiment_score":-0.03831826522946358},{"text":"Oh, okay.","start":122.64,"end":123.380005,"sentiment":"neutral","sentiment_score":-0.014709168579429388},{"text":"Yep.","start":132.655,"end":133.155,"sentiment":"neutral","sentiment_score":0.010334405116736887}],"sentiment":"neutral","sentiment_score":-0.026735850237309934,"num_words":25,"start":111.185,"end":133.155},{"sentences":[{"text":"That's well done.","start":134.775,"end":137.955,"sentiment":"positive","sentiment_score":0.4453877607981364},{"text":"I with three kids.","start":138.175,"end":140.51,"sentiment":"neutral","sentiment_score":0.08716283179819584},{"text":"I've I've I've done it myself, but it it's a killer.","start":140.51,"end":143.33,"sentiment":"negative","sentiment_score":-0.39201286841522565},{"text":"Absolute killer.","start":143.55,"end":144.45,"sentiment":"negative","sentiment_score":-0.442148357629776},{"text":"Yes.","start":145.47,"end":145.97,"sentiment":"neutral","sentiment_score":0.03831837326288223}],"sentiment":"neutral","sentiment_score":-0.1653954897608076,"num_words":21,"start":134.775,"end":145.97},{"sentences":[{"text":"I I actually don't recommend, but I'm proud of you for doing it, going back and getting it done.","start":146.27,"end":151.81,"sentiment":"neutral","sentiment_score":0.22778074835476123},{"text":"Yep.","start":154.215,"end":154.715,"sentiment":"neutral","sentiment_score":-0.019520066678524017},{"text":"Yep.","start":160.2225,"end":160.7225,"sentiment":"neutral","sentiment_score":-0.04881422966718674},{"text":"Yeah.","start":174.47,"end":174.97,"sentiment":"neutral","sentiment_score":-0.06467634439468384},{"text":"Yeah.","start":177.98999,"end":178.48999,"sentiment":"neutral","sentiment_score":0.006474364548921585}],"sentiment":"neutral","sentiment_score":0.1826651279369126,"num_words":23,"start":146.27,"end":178.48999},{"sentences":[{"text":"That's fair.","start":183.06499,"end":183.965,"sentiment":"neutral","sentiment_score":0.028885181061923504},{"text":"No.","start":184.265,"end":184.745,"sentiment":"neutral","sentiment_score":-0.0714414194226265},{"text":"Look.","start":184.745,"end":185.245,"sentiment":"neutral","sentiment_score":-0.07087172567844391},{"text":"I I started my masters ten years after I finished an undergrad, and in that ten years, I've had three kids.","start":185.78499,"end":193.18,"sentiment":"neutral","sentiment_score":-0.053426104287306465},{"text":"And I think the the the biggest point that I took away from doing my master's was, while I absolutely had to do it, it was an a massive juggle to get it done.","start":193.23999,"end":205.605,"sentiment":"neutral","sentiment_score":-0.2808501260245548}],"sentiment":"neutral","sentiment_score":-0.18229483487873765,"num_words":59,"start":183.06499,"end":205.605},{"sentences":[{"text":"And now that I'm stabilized, no longer studying, I look back and go, well, you know what?","start":205.605,"end":211.06499,"sentiment":"neutral","sentiment_score":-0.11412205547094345},{"text":"If I could do three kids and a master's and work, I can do anything.","start":211.44499,"end":216.34499,"sentiment":"neutral","sentiment_score":-0.060170187552769976},{"text":"So, you know yeah.","start":216.405,"end":219.76001,"sentiment":"neutral","sentiment_score":-0.15273277647793293},{"text":"It's it's pretty chill now.","start":219.82,"end":221.34,"sentiment":"neutral","sentiment_score":-0.25241594612598417},{"text":"It's it's just work and kids.","start":221.34,"end":222.46,"sentiment":"neutral","sentiment_score":-0.16248119125763574}],"sentiment":"neutral","sentiment_score":-0.12107501575287352,"num_words":47,"start":205.605,"end":222.46},{"sentences":[{"text":"There's no studies, so it's fine.","start":222.46,"end":223.98001,"sentiment":"neutral","sentiment_score":-0.14644074191649756},{"text":"What am I complaining about?","start":223.98001,"end":225.28,"sentiment":"neutral","sentiment_score":-0.17733991593122483},{"text":"Perfect.","start":229.42,"end":229.90001,"sentiment":"neutral","sentiment_score":0.24092376232147217},{"text":"Well, that's good.","start":229.90001,"end":230.86,"sentiment":"neutral","sentiment_score":0.21680469810962677},{"text":"So how long until you finish the masters?","start":230.86,"end":233.25499,"sentiment":"neutral","sentiment_score":0.0018828860484063625}],"sentiment":"neutral","sentiment_score":-0.03734535157032635,"num_words":23,"start":222.46,"end":233.25499},{"sentences":[{"text":"Yep.","start":243.715,"end":244.215,"sentiment":"neutral","sentiment_score":0.007702333386987448},{"text":"Yes.","start":246.355,"end":246.855,"sentiment":"neutral","sentiment_score":0.08907147496938705},{"text":"Yep.","start":247.11,"end":247.26999,"sentiment":"neutral","sentiment_score":0.10618313401937483},{"text":"Alright.","start":247.26999,"end":247.76999,"sentiment":"neutral","sentiment_score":0.1953619569540024},{"text":"That's okay.","start":247.83,"end":248.65,"sentiment":"neutral","sentiment_score":0.29680369794368744}],"sentiment":"neutral","sentiment_score":0.16532104920285443,"num_words":6,"start":243.715,"end":248.65},{"sentences":[{"text":"So we'll we'll be Yeah.","start":248.87,"end":260.655,"sentiment":"neutral","sentiment_score":-0.005922375805675983},{"text":"Right.","start":281.83,"end":282.33,"sentiment":"negative","sentiment_score":-0.3836977183818817},{"text":"A little little bit.","start":283.59,"end":284.88998,"sentiment":"negative","sentiment_score":-0.3948000520467758},{"text":"Just a touch.","start":285.27,"end":286.16998,"sentiment":"neutral","sentiment_score":-0.15495892117420831},{"text":"Perfect.","start":290.815,"end":291.215,"sentiment":"neutral","sentiment_score":0.32011473178863525}],"sentiment":"neutral","sentiment_score":-0.15266227409509675,"num_words":14,"start":248.87,"end":291.215},{"sentences":[{"text":"Okay.","start":291.215,"end":291.715,"sentiment":"neutral","sentiment_score":0.11139559000730516},{"text":"So, ultimately speaking, I guess what today's conversation is is to, I guess, have a look at where things sit right now and whether there's any movement that we could or should make to your account, your overall goals, your position as a whole, and sort of, I guess, establish a a baseline for things again.","start":291.855,"end":315.83,"sentiment":"neutral","sentiment_score":0.18119475318651115},{"text":"It's just a good health check as we go through to make sure that everything is swimming along well.","start":316.13,"end":322.675,"sentiment":"positive","sentiment_score":0.3985118897337663},{"text":"Now I I'll run through a few things that I have on file, and then you can fill in any gaps as we go through just so that way my records are up to date.","start":324.655,"end":337.17,"sentiment":"neutral","sentiment_score":0.1257770690534796},{"text":"Mhmm.","start":338.43002,"end":338.93002,"sentiment":"neutral","sentiment_score":-0.0063623953610658646}],"sentiment":"neutral","sentiment_score":0.19844520263307328,"num_words":112,"start":291.215,"end":338.93002},{"sentences":[{"text":"I'm just getting the computer to do what I need it to do, 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all?","start":364.0,"end":367.46,"sentiment":"neutral","sentiment_score":-0.02509329439355777},{"text":"Beautiful.","start":374.0,"end":374.5,"sentiment":"positive","sentiment_score":0.7091838121414185},{"text":"Oh, that's that's just another layer of fun to add onto the top of that because they'll be starting to drive.","start":375.52002,"end":381.065,"sentiment":"positive","sentiment_score":0.5512587456476121},{"text":"And it's double the fun with two of them.","start":382.565,"end":384.745,"sentiment":"positive","sentiment_score":0.3456019030676948},{"text":"Yes.","start":388.885,"end":389.34,"sentiment":"neutral","sentiment_score":-0.010816682130098345}],"sentiment":"positive","sentiment_score":0.33464455753564837,"num_words":45,"start":364.0,"end":389.34},{"sentences":[{"text":"You really do, don't you?","start":389.5,"end":391.04,"sentiment":"neutral","sentiment_score":0.015226425230503082},{"text":"Word.","start":392.3,"end":392.8,"sentiment":"neutral","sentiment_score":0.0044115157797932625},{"text":"Okay.","start":394.69998,"end":395.19998,"sentiment":"neutral","sentiment_score":0.017507635056972504},{"text":"So nine and sixteen.","start":395.26,"end":396.88,"sentiment":"neutral","sentiment_score":0.021766933845356107},{"text":"And then with your new role, what's what's your income looking like at the moment?","start":398.94,"end":405.195,"sentiment":"neutral","sentiment_score":0.014737743387619654}],"sentiment":"neutral","sentiment_score":0.01562250627634617,"num_words":26,"start":389.5,"end":405.195},{"sentences":[{"text":"Okay.","start":415.995,"end":416.495,"sentiment":"neutral","sentiment_score":0.03778862953186035},{"text":"Okay.","start":416.715,"end":417.035,"sentiment":"neutral","sentiment_score":0.03888886794447899},{"text":"So that's $1.20 is the base rate, and then you're doing three days a week.","start":417.035,"end":420.87,"sentiment":"neutral","sentiment_score":0.05323506345351537},{"text":"Okay.","start":423.91,"end":424.41,"sentiment":"neutral","sentiment_score":0.0994788110256195},{"text":"And that's so that would be cool.","start":425.66998,"end":434.88998,"sentiment":"neutral","sentiment_score":0.17571135078157699}],"sentiment":"neutral","sentiment_score":0.08818646863102914,"num_words":25,"start":415.995,"end":434.88998},{"sentences":[{"text":"Because this divided by and the normal normal work is, like, five five, four days?","start":434.94998,"end":443.36502,"sentiment":"neutral","sentiment_score":0.0383649035046498},{"text":"Okay.","start":445.185,"end":445.58502,"sentiment":"neutral","sentiment_score":0.12701325118541718},{"text":"Cool.","start":445.58502,"end":445.905,"sentiment":"neutral","sentiment_score":0.1914016604423523},{"text":"So rough income would be around that $96,000 a year mark based on the part time role.","start":445.905,"end":451.74002,"sentiment":"neutral","sentiment_score":0.09705004227512024},{"text":"Okay.","start":451.74002,"end":452.24002,"sentiment":"neutral","sentiment_score":0.10695303976535796}],"sentiment":"neutral","sentiment_score":0.07573406350399767,"num_words":35,"start":434.94998,"end":452.24002},{"sentences":[{"text":"Perfect.","start":453.26,"end":453.76,"sentiment":"neutral","sentiment_score":0.2121987342834473},{"text":"And do you have a EBA with that employer?","start":454.14,"end":456.08002,"sentiment":"neutral","sentiment_score":0.062170671506060496},{"text":"Yes.","start":459.90002,"end":460.22,"sentiment":"neutral","sentiment_score":0.01629597507417202},{"text":"Yeah.","start":460.22,"end":460.46002,"sentiment":"neutral","sentiment_score":0.010017144493758678},{"text":"Employer bargaining, enterprise.","start":460.46002,"end":461.84,"sentiment":"neutral","sentiment_score":-0.004338757134974004}],"sentiment":"neutral","sentiment_score":0.052335441733400025,"num_words":15,"start":453.26,"end":461.84},{"sentences":[{"text":"Yeah.","start":461.90002,"end":462.22,"sentiment":"neutral","sentiment_score":-0.014500468038022518},{"text":"Anything like that.","start":462.22,"end":463.18002,"sentiment":"neutral","sentiment_score":-0.0419114176183939},{"text":"And perfect.","start":463.18002,"end":465.92,"sentiment":"neutral","sentiment_score":-0.03322866093367338},{"text":"And who who is the employer that you're working for now?","start":467.57498,"end":470.475,"sentiment":"neutral","sentiment_score":0.005950468084351583},{"text":"Perfect.","start":477.095,"end":477.595,"sentiment":"neutral","sentiment_score":0.10100862383842468}],"sentiment":"neutral","sentiment_score":-0.002234903888569938,"num_words":18,"start":461.90002,"end":477.595},{"sentences":[{"text":"And you started with them within the last twelve months or so?","start":479.79,"end":485.05,"sentiment":"neutral","sentiment_score":0.027963729575276375},{"text":"Yeah.","start":487.31,"end":487.71,"sentiment":"neutral","sentiment_score":0.06288383156061172},{"text":"Cool.","start":487.71,"end":488.21,"sentiment":"neutral","sentiment_score":0.12597590684890747},{"text":"And then you're still are you you're still sort of, like, a program manager within that role?","start":489.71,"end":493.22998,"sentiment":"neutral","sentiment_score":0.0315367107224815},{"text":"Or what do you do under 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call.","start":674.71497,"end":680.25995,"sentiment":"neutral","sentiment_score":0.2573974188417196}],"sentiment":"neutral","sentiment_score":0.05939464920143388,"num_words":49,"start":656.42,"end":680.25995},{"sentences":[{"text":"And we can talk about cost effective ways and no.","start":681.19995,"end":684.63995,"sentiment":"neutral","sentiment_score":0.03486334569752216},{"text":"Not cost effective ways.","start":684.63995,"end":685.86,"sentiment":"neutral","sentiment_score":-0.12250358983874321},{"text":"And with respect to, like, just your like, tax jurisdiction, citizenship, stuff like that, are you you're are you're a Australian citizen or a 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home.","start":718.91,"end":735.72,"sentiment":"neutral","sentiment_score":0.17376245150253886},{"text":"And then, you know, further down the line, investment properties, family holidays, you're wanting to go overseas to The United States.","start":736.57996,"end":743.48,"sentiment":"neutral","sentiment_score":0.11810783296823502}],"sentiment":"neutral","sentiment_score":0.17227042210953578,"num_words":70,"start":716.27,"end":743.48},{"sentences":[{"text":"Is that still what we're aiming towards, or do we have any other goals that we're looking at?","start":745.06,"end":749.90497,"sentiment":"neutral","sentiment_score":0.022960149579577975},{"text":"Nice.","start":752.20496,"end":752.70496,"sentiment":"neutral","sentiment_score":0.29596707224845886},{"text":"Do you have a timeline on what you when you wanna do that?","start":757.165,"end":759.57,"sentiment":"neutral","sentiment_score":0.07208893104241444},{"text":"So it's like a five 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go?","start":782.845,"end":787.985,"sentiment":"neutral","sentiment_score":0.11160694807767868},{"text":"Yeah.","start":809.51495,"end":810.01495,"sentiment":"neutral","sentiment_score":0.0737290158867836},{"text":"Okay.","start":810.475,"end":810.975,"sentiment":"neutral","sentiment_score":0.08020243048667908}],"sentiment":"neutral","sentiment_score":0.11590086040087044,"num_words":32,"start":780.925,"end":810.975},{"sentences":[{"text":"So I guess there's there's a couple of different directions we can head with that goal.","start":811.675,"end":815.375,"sentiment":"neutral","sentiment_score":0.10475970769766718},{"text":"So do you have, like, a personal budget that you operate by?","start":815.51495,"end":819.09,"sentiment":"neutral","sentiment_score":0.03088988099868099},{"text":"Or, like, it doesn't even have to be something written down, but something that you you sort of operate internally with.","start":819.09,"end":824.23004,"sentiment":"neutral","sentiment_score":0.016931992733762377},{"text":"Yep.","start":831.425,"end":831.925,"sentiment":"neutral","sentiment_score":-0.3203279674053192},{"text":"Okay.","start":846.14496,"end":846.57,"sentiment":"neutral","sentiment_score":0.055753596127033234}],"sentiment":"neutral","sentiment_score":0.04191826218191315,"num_words":51,"start":811.675,"end":846.57},{"sentences":[{"text":"Yeah.","start":854.25,"end":854.75,"sentiment":"neutral","sentiment_score":0.0035513900220394135},{"text":"Yep.","start":859.37,"end":859.695,"sentiment":"neutral","sentiment_score":-0.27814239263534546},{"text":"Okay.","start":862.415,"end":862.915,"sentiment":"neutral","sentiment_score":0.03957989066839218},{"text":"Because what I what I can sort of see, I guess, from just just a little bit we've talked about is, I guess, first and foremost, within the next twelve months, you're gonna have the two personal loan repayments free up.","start":863.055,"end":874.69995,"sentiment":"neutral","sentiment_score":0.08430012133790225},{"text":"So what that's gonna mean and that, obviously, depending on how much that is that you pay per pay cycle, that's money that can be allocated to one of the two goals you had.","start":874.92,"end":885.39996,"sentiment":"neutral","sentiment_score":0.15514162204721393}],"sentiment":"neutral","sentiment_score":0.10892447451941478,"num_words":78,"start":854.25,"end":885.39996},{"sentences":[{"text":"Now you've already indicated that buying a house is a higher priority than the holiday, being that it's priority number one.","start":885.39996,"end":892.90497,"sentiment":"neutral","sentiment_score":0.2048629288162504},{"text":"So, essentially speaking, what that means is we could look at doing first time super saver scheme style, investing to put that money away for for the home or you, you know, put it into an investment account or we look at, you know, just having, like, a a decently high high savings account personally.","start":893.365,"end":915.86,"sentiment":"neutral","sentiment_score":0.12935150435025042},{"text":"It just, like, I guess, depends on whether you feel you need the funds liquid or whether you need, you know, or whether you're comfortable to put that money away and not be able to touch it.","start":916.24,"end":927.955,"sentiment":"neutral","sentiment_score":-0.08440097814073434},{"text":"So that way yeah.","start":929.775,"end":932.89996,"sentiment":"negative","sentiment_score":-0.6491181552410126},{"text":"Yeah.","start":941.83997,"end":942.32,"sentiment":"neutral","sentiment_score":0.11380116641521454}],"sentiment":"neutral","sentiment_score":0.049245310158042586,"num_words":118,"start":885.39996,"end":942.32},{"sentences":[{"text":"I'll borrow from Peter, and I'll pay Paul back eventually, but Paul never gets paid Yep.","start":942.32,"end":949.375,"sentiment":"neutral","sentiment_score":0.050569509621709585},{"text":"Yeah.","start":952.635,"end":953.03503,"sentiment":"neutral","sentiment_score":0.08222560584545135},{"text":"Correct.","start":953.03503,"end":953.53503,"sentiment":"neutral","sentiment_score":0.09785570949316023},{"text":"They they definitely are.","start":953.59503,"end":954.97504,"sentiment":"neutral","sentiment_score":-0.05695194751024246},{"text":"Yeah.","start":955.35504,"end":955.85504,"sentiment":"neutral","sentiment_score":-0.001111488789319992}],"sentiment":"neutral","sentiment_score":0.03305539958502935,"num_words":23,"start":942.32,"end":955.85504},{"sentences":[{"text":"Yeah.","start":956.55505,"end":957.05505,"sentiment":"neutral","sentiment_score":0.0004589594900608063},{"text":"But some some would say they're friends, but they're not.","start":957.11505,"end":959.835,"sentiment":"neutral","sentiment_score":-0.056458228081464765},{"text":"They're the same person.","start":959.835,"end":960.73505,"sentiment":"neutral","sentiment_score":0.006269643374253064},{"text":"No.","start":962.01,"end":962.25,"sentiment":"neutral","sentiment_score":-0.008183863013982773},{"text":"That's do you know how much you pay for your loans each pay cycle?","start":962.25,"end":966.67,"sentiment":"neutral","sentiment_score":0.017912025696464946}],"sentiment":"neutral","sentiment_score":-0.009882008369701604,"num_words":30,"start":956.55505,"end":966.67},{"sentences":[{"text":"Yep.","start":983.035,"end":983.535,"sentiment":"neutral","sentiment_score":0.09069216251373292},{"text":"2 50.","start":1000.01,"end":1000.83,"sentiment":"neutral","sentiment_score":0.02424684725701809},{"text":"Yeah.","start":1003.77,"end":1004.25,"sentiment":"neutral","sentiment_score":0.11595980823040009},{"text":"That's fair.","start":1004.25,"end":1005.305,"sentiment":"neutral","sentiment_score":0.1736840382218361},{"text":"Because that's essentially a thousand dollars a fortnight that's going towards the loans.","start":1010.485,"end":1015.065,"sentiment":"neutral","sentiment_score":0.08778398942488891}],"sentiment":"neutral","sentiment_score":0.09177397916975774,"num_words":19,"start":983.035,"end":1015.065},{"sentences":[{"text":"Now realistically speaking, the $2.50 and the $3.17, if that's freed up next year, that gives you 5 hun that that gives you more than half of that amount, I guess, back to you.","start":1017.045,"end":1031.28,"sentiment":"neutral","sentiment_score":0.1422706632053151},{"text":"Yeah.","start":1053.2,"end":1053.7,"sentiment":"neutral","sentiment_score":-0.07930319011211395},{"text":"We we make the decisions based on a financial position at one time, and the financial position changes.","start":1054.24,"end":1058.98,"sentiment":"neutral","sentiment_score":-0.10542271575993961},{"text":"Yep.","start":1074.865,"end":1075.105,"sentiment":"neutral","sentiment_score":-0.041003644466400146},{"text":"Yeah.","start":1075.105,"end":1075.605,"sentiment":"neutral","sentiment_score":-0.05288080871105194}],"sentiment":"neutral","sentiment_score":0.05029829130931334,"num_words":55,"start":1017.045,"end":1075.605},{"sentences":[{"text":"The role of it all, and we we don't quite know what we don't know.","start":1076.2699,"end":1079.49,"sentiment":"neutral","sentiment_score":-0.12901700188716253},{"text":"Yeah.","start":1082.4299,"end":1082.9299,"sentiment":"neutral","sentiment_score":0.06461319327354431},{"text":"Okay.","start":1083.07,"end":1083.57,"sentiment":"neutral","sentiment_score":0.06375489383935928},{"text":"Well, it's not unobtainable, because realistically speaking, you've been doing without the money on the personal loan for a while.","start":1083.6299,"end":1091.965,"sentiment":"neutral","sentiment_score":-0.17199579663574696},{"text":"Like, the money that you're putting towards the personal loan, you've been doing that for a while anyway.","start":1092.1849,"end":1096.125,"sentiment":"neutral","sentiment_score":-0.08770429073936409}],"sentiment":"neutral","sentiment_score":-0.12409963831305504,"num_words":55,"start":1076.2699,"end":1096.125},{"sentences":[{"text":"So what we could do is we could allocate a portion of that when the loans come up towards saving for a house, and we could utilize the first time 60% scheme as a possible methodology to do that, which it does lock the money away from you while it in because it's a a use of your superannuation fund, but it locks the money away from you for a while to be able to utilize an account that you can't touch.","start":1096.265,"end":1121.965,"sentiment":"neutral","sentiment_score":-0.006773597946981105},{"text":"So there's no Peter Paul scenario, and it gives you, I guess, that that capacity to be able to do that.","start":1122.345,"end":1130.94,"sentiment":"neutral","sentiment_score":-0.047916660528807414},{"text":"The the biggest issue I I I guess I'm currently running into is knowing exactly when those loans come up so we can, I guess, structure how to get that set up?","start":1131.1799,"end":1141.44,"sentiment":"neutral","sentiment_score":-0.2972444570623338},{"text":"So if you're able to look up the date, it doesn't have to be now.","start":1141.98,"end":1144.2999,"sentiment":"neutral","sentiment_score":-0.10009864916404089},{"text":"It can you know?","start":1144.2999,"end":1145.2799,"sentiment":"neutral","sentiment_score":-0.02819145331159234}],"sentiment":"neutral","sentiment_score":-0.08238800700947449,"num_words":154,"start":1096.265,"end":1145.2799},{"sentences":[{"text":"Yes.","start":1156.4349,"end":1156.9349,"sentiment":"neutral","sentiment_score":0.07791300863027573},{"text":"Yeah.","start":1187.035,"end":1187.535,"sentiment":"neutral","sentiment_score":0.11305174976587296},{"text":"Yeah.","start":1187.675,"end":1188.175,"sentiment":"neutral","sentiment_score":0.13216924667358398},{"text":"Alright.","start":1188.235,"end":1188.635,"sentiment":"neutral","sentiment_score":0.19222235679626465},{"text":"That's okay.","start":1188.635,"end":1189.115,"sentiment":"neutral","sentiment_score":0.19022854790091515}],"sentiment":"neutral","sentiment_score":0.14930224294463793,"num_words":6,"start":1156.4349,"end":1189.115},{"sentences":[{"text":"We can always circle back in six months' time, and we can kind of readdress it then, which will give us, I guess, a little bit more flexibility knowledge on the way forward as well.","start":1189.115,"end":1201.48,"sentiment":"neutral","sentiment_score":0.20502576444830214},{"text":"But I think the the biggest thing for you probably at the moment, which is the change of circumstances and where things are going, is when those loans do come up, it's probably definitely building yourself a nice buffer in your cash flow.","start":1202.34,"end":1215.895,"sentiment":"neutral","sentiment_score":0.16177146916472634},{"text":"So having a bit of a savings account where you can have that, I guess, incidentals sitting there to deal with things that do pop up.","start":1215.895,"end":1224.7,"sentiment":"neutral","sentiment_score":0.2947189979828321},{"text":"So that way you're not, I guess, constantly chasing your tail, finding yourself in the in the realm of needing to get a personal loan to cover something.","start":1224.7,"end":1232.0,"sentiment":"neutral","sentiment_score":-0.05356942915490696},{"text":"And that's just the time.","start":1237.855,"end":1239.1549,"sentiment":"neutral","sentiment_score":0.009623833559453487}],"sentiment":"neutral","sentiment_score":0.1484886425458928,"num_words":137,"start":1189.115,"end":1239.1549},{"sentences":[{"text":"It's just it's we know it's coming.","start":1239.375,"end":1240.815,"sentiment":"neutral","sentiment_score":-0.012667026237717696},{"text":"It's just we have to wait that time out and get those loans paid off.","start":1240.815,"end":1244.195,"sentiment":"neutral","sentiment_score":-0.07883816535274188},{"text":"Absolutely, higher higher income's gonna help clear that off.","start":1244.815,"end":1248.195,"sentiment":"neutral","sentiment_score":0.09406998256842296},{"text":"But at the moment, we just, I guess, put along.","start":1248.8949,"end":1250.8,"sentiment":"neutral","sentiment_score":-0.028570343926548957},{"text":"So I guess today, we can sort of focus on where things are at with your super fund.","start":1251.1,"end":1254.8,"sentiment":"neutral","sentiment_score":0.009652200051479869}],"sentiment":"neutral","sentiment_score":-0.009094502697935549,"num_words":59,"start":1239.375,"end":1254.8},{"sentences":[{"text":"Obviously, I'll cancel the insurance at at the moment, and we can circle back to that towards the beginning of next year when maybe maybe we could sort of put a six month calendar date in for that March period where we touch base, have a conversation about where things sit now, where your income is, whether we do need to still go ahead with the increase on the insurance application for the income protection, and and we can look at possible other savings avenues for getting that priority one goal.","start":1255.26,"end":1285.76,"sentiment":"neutral","sentiment_score":0.08968970658523696},{"text":"Like, actually start working towards it properly and not just it's a segment of our imagination or it's something we wanna achieve.","start":1286.38,"end":1292.06,"sentiment":"positive","sentiment_score":0.37458994916894217},{"text":"We can actually start putting steps in place to achieve it.","start":1292.06,"end":1294.48,"sentiment":"positive","sentiment_score":0.42246799577366223},{"text":"They're not 16 year old?","start":1305.205,"end":1306.5,"sentiment":"neutral","sentiment_score":-0.01911833733320236},{"text":"Oh, okay.","start":1310.26,"end":1311.22,"sentiment":"neutral","sentiment_score":0.1058366447687149}],"sentiment":"neutral","sentiment_score":0.16157230333858774,"num_words":131,"start":1255.26,"end":1311.22},{"sentences":[{"text":"So we have 25, 16, 16, and nine.","start":1311.22,"end":1313.62,"sentiment":"neutral","sentiment_score":0.06988288275897503},{"text":"Cool.","start":1313.62,"end":1313.78,"sentiment":"positive","sentiment_score":0.6176021695137024},{"text":"Cool.","start":1313.78,"end":1313.94,"sentiment":"positive","sentiment_score":0.6723701357841492},{"text":"Cool.","start":1313.94,"end":1314.44,"sentiment":"positive","sentiment_score":0.5962234735488892},{"text":"Yeah.","start":1342.23,"end":1342.73,"sentiment":"neutral","sentiment_score":0.07372954487800598}],"sentiment":"neutral","sentiment_score":0.20991569881637892,"num_words":12,"start":1311.22,"end":1342.73},{"sentences":[{"text":"No.","start":1359.775,"end":1360.275,"sentiment":"neutral","sentiment_score":-0.10293525457382202},{"text":"No.","start":1360.495,"end":1360.815,"sentiment":"neutral","sentiment_score":-0.04813499003648758},{"text":"Absolutely.","start":1360.815,"end":1361.315,"sentiment":"neutral","sentiment_score":0.1360168755054474},{"text":"We can what we can do is we can do so there's there's one or two ways we can do it.","start":1361.455,"end":1366.0701,"sentiment":"neutral","sentiment_score":0.17929791588158833},{"text":"I can have a conversation with her about just her and get, I guess, that baseline side thing like, side done exactly, like, as we've done for you.","start":1366.0701,"end":1376.755,"sentiment":"neutral","sentiment_score":0.1687513863933938}],"sentiment":"neutral","sentiment_score":0.16298541698891383,"num_words":52,"start":1359.775,"end":1376.755},{"sentences":[{"text":"Exactly as we've done for you where we can, I guess, look at her super, her insurances, look at, you know, putting some budget planning together if she hasn't already looked at that previously, get that side of things, I guess, set up?","start":1378.815,"end":1393.63,"sentiment":"neutral","sentiment_score":0.1382684435608775},{"text":"And then come March, she'll be sort of in a similar position to you where she'll have a little bit more knowledge behind her belt.","start":1393.77,"end":1402.5901,"sentiment":"neutral","sentiment_score":0.1189521461725235},{"text":"We'll have sorted that base baseline out, gotten a budget in place if she doesn't have one already, and then we'll be able to have a joint conversation in March.","start":1402.845,"end":1412.205,"sentiment":"neutral","sentiment_score":0.1641323099533717},{"text":"So that's option one.","start":1412.205,"end":1413.085,"sentiment":"neutral","sentiment_score":0.15090133249759674},{"text":"Option two is we can have a joint conversation, you, her, and us, and I can just either segment it to just the topics you're wanting to, so the scope of advice you wanna look at, which is joint budgeting and house planning advice, and then look at addressing her stuff later, or I can amalgamate it into the piece of advice with you guys joint.","start":1413.085,"end":1435.355,"sentiment":"neutral","sentiment_score":0.09872726469554684}],"sentiment":"neutral","sentiment_score":0.12477929063052648,"num_words":168,"start":1378.815,"end":1435.355},{"sentences":[{"text":"It just becomes really messy when I'm looking at her her very specific like, her super her insurance is her.","start":1435.495,"end":1443.015,"sentiment":"neutral","sentiment_score":-0.1517273754812777},{"text":"It's not it has nothing to do with you.","start":1443.015,"end":1445.035,"sentiment":"neutral","sentiment_score":-0.14097108195225397},{"text":"But the budgeting, house planning, house purchase is where like, is the joint piece of advice.","start":1445.735,"end":1450.315,"sentiment":"neutral","sentiment_score":0.04006551264319569},{"text":"So, essentially speaking, she would end up with sort of two pieces of advice in the same area.","start":1450.48,"end":1454.7999,"sentiment":"neutral","sentiment_score":0.037968483132620655},{"text":"One would be you and her, and one would be just her.","start":1454.7999,"end":1457.12,"sentiment":"neutral","sentiment_score":0.041945418963829674}],"sentiment":"neutral","sentiment_score":-0.03300615094602108,"num_words":75,"start":1435.495,"end":1457.12},{"sentences":[{"text":"And it's it's totally up to you guys how you wanna do it.","start":1457.12,"end":1460.7999,"sentiment":"neutral","sentiment_score":0.2433336007480438},{"text":"I'm happy to connect with her now ish.","start":1460.7999,"end":1463.0599,"sentiment":"positive","sentiment_score":0.7876441553235054},{"text":"I'm not saying today, but now and sort of get things moving.","start":1463.12,"end":1466.905,"sentiment":"positive","sentiment_score":0.3667149245738983},{"text":"And even if it's just a touch base, hey.","start":1466.905,"end":1468.1849,"sentiment":"neutral","sentiment_score":0.2275976041952769},{"text":"This is what we do.","start":1468.1849,"end":1468.745,"sentiment":"neutral","sentiment_score":0.3005449712276459}],"sentiment":"positive","sentiment_score":0.3705568604488322,"num_words":47,"start":1457.12,"end":1468.745},{"sentences":[{"text":"This is what we charge.","start":1468.745,"end":1469.465,"sentiment":"neutral","sentiment_score":0.25646854639053346},{"text":"This is how we operate.","start":1469.465,"end":1470.525,"sentiment":"neutral","sentiment_score":0.2080043911933899},{"text":"Do you wanna talk now or do you wanna talk later and go from there?","start":1471.945,"end":1476.905,"sentiment":"neutral","sentiment_score":0.11500086834033331},{"text":"And you can either pass our contact details on, or if you want, you can give me her her name, phone number, email address, and I can reach out to her and be like, hey.","start":1476.905,"end":1485.92,"sentiment":"neutral","sentiment_score":0.08912446179560253},{"text":"Mumsy gave me your details and blah blah blah.","start":1485.92,"end":1490.1799,"sentiment":"neutral","sentiment_score":0.007452816598945194}],"sentiment":"neutral","sentiment_score":0.10483781485885814,"num_words":69,"start":1468.745,"end":1490.1799},{"sentences":[{"text":"Yeah.","start":1501.055,"end":1501.535,"sentiment":"neutral","sentiment_score":0.0960492491722107},{"text":"I can pop it all in an email for you so that way you have something to talk about and you can just respond to it.","start":1501.535,"end":1506.6901,"sentiment":"neutral","sentiment_score":0.11332008951845077},{"text":"Yeah.","start":1506.6901,"end":1507.1901,"sentiment":"neutral","sentiment_score":0.18726590275764465},{"text":"Perfect.","start":1509.9701,"end":1510.4701,"sentiment":"positive","sentiment_score":0.5557822585105896},{"text":"Alright.","start":1511.4901,"end":1511.9901,"sentiment":"neutral","sentiment_score":0.16577517986297607}],"sentiment":"neutral","sentiment_score":0.13170649725943803,"num_words":30,"start":1501.055,"end":1511.9901},{"sentences":[{"text":"Well, I guess, what what I what I have to go through today is I'm just trying to pull it up because I dropped it.","start":1512.05,"end":1530.375,"sentiment":"neutral","sentiment_score":-0.067238804474473},{"text":"Silly.","start":1532.435,"end":1532.935,"sentiment":"neutral","sentiment_score":-0.1804414987564087},{"text":"What I have to go through today is, I guess, what's called your annual review.","start":1533.9401,"end":1537.0,"sentiment":"neutral","sentiment_score":-0.025314047808448474},{"text":"So it's where we go through your, like, your account as it currently stands, and I I have, like, a bit of a review pack for you of just documents that shows the performance, how things are are situated.","start":1537.14,"end":1550.465,"sentiment":"neutral","sentiment_score":0.12548449740577966},{"text":"We can kinda talk about where the investments lie with your account currently and whether there's any possible movements that I can identify you wanna look at incorporating in the account.","start":1551.085,"end":1563.0,"sentiment":"neutral","sentiment_score":0.1131116971373558}],"sentiment":"neutral","sentiment_score":0.055488609750797085,"num_words":111,"start":1512.05,"end":1563.0},{"sentences":[{"text":"I'm just trying to bring it up, and it's being a pain.","start":1564.58,"end":1566.9199,"sentiment":"negative","sentiment_score":-0.5411069194475809},{"text":"Because computers are friends today.","start":1570.4199,"end":1574.76,"sentiment":"negative","sentiment_score":-0.46244706511497496},{"text":"No.","start":1598.0,"end":1598.32,"sentiment":"neutral","sentiment_score":-0.2647847533226013},{"text":"Not at all.","start":1598.32,"end":1599.14,"sentiment":"neutral","sentiment_score":-0.24668458104133606},{"text":"Oh, I get it.","start":1599.44,"end":1600.095,"sentiment":"neutral","sentiment_score":-0.115422198548913}],"sentiment":"negative","sentiment_score":-0.4108818259835243,"num_words":25,"start":1564.58,"end":1600.095},{"sentences":[{"text":"No.","start":1617.47,"end":1617.97,"sentiment":"neutral","sentiment_score":-0.21702119708061215},{"text":"No.","start":1624.99,"end":1625.3099,"sentiment":"neutral","sentiment_score":-0.16405266523361206},{"text":"I I get it.","start":1625.3099,"end":1626.19,"sentiment":"neutral","sentiment_score":-0.1434519626200199},{"text":"Sometimes life just takes takes precedent, and you just end up with a bunch of doc a bunch of of of extra stuff lying around and nothing.","start":1626.19,"end":1638.435,"sentiment":"neutral","sentiment_score":-0.19918034446460228},{"text":"Oh, okay.","start":1648.23,"end":1648.9501,"sentiment":"neutral","sentiment_score":-0.07713565975427628}],"sentiment":"neutral","sentiment_score":-0.18534349522420338,"num_words":35,"start":1617.47,"end":1648.9501},{"sentences":[{"text":"Well, it's I don't know what's happening with the computer, but it's being a pain.","start":1648.9501,"end":1652.89,"sentiment":"neutral","sentiment_score":-0.32331826190153756},{"text":"But I'll I'll I'll be able to send them to you at the conclusion.","start":1652.9501,"end":1656.01,"sentiment":"neutral","sentiment_score":0.023880806751549244},{"text":"I'm just it's not sending to you for some ungodly reason, but I'll go through the documents with you, and and we can go and and I'll I'll work out what's happening and get them sent.","start":1656.0701,"end":1672.435,"sentiment":"neutral","sentiment_score":0.03709420254583367},{"text":"But the essentially speaking, you're you're Nothing's working.","start":1674.33,"end":1690.035,"sentiment":"neutral","sentiment_score":-0.18128320667892694},{"text":"Everything's frozen.","start":1690.035,"end":1690.935,"sentiment":"negative","sentiment_score":-0.5996347665786743}],"sentiment":"neutral","sentiment_score":-0.07772782038586835,"num_words":75,"start":1648.9501,"end":1690.935},{"sentences":[{"text":"If everything's broken, Kylene.","start":1693.235,"end":1695.095,"sentiment":"negative","sentiment_score":-0.4835904836654663},{"text":"There we go.","start":1699.9551,"end":1700.76,"sentiment":"neutral","sentiment_score":-0.05228917549053828},{"text":"Your your Hub twenty four account stands at, like, a $128,000 today.","start":1701.64,"end":1706.78,"sentiment":"neutral","sentiment_score":-0.010800552709649006},{"text":"The insurance that you hold has increased a little bit since we last spoke to you, just the CPI when it went through its renewal.","start":1708.12,"end":1716.3,"sentiment":"neutral","sentiment_score":-0.08555640637874604},{"text":"So it's increased, and the life insurance stands at $701,045.","start":1716.885,"end":1723.7051,"sentiment":"neutral","sentiment_score":0.021850975556299092}],"sentiment":"neutral","sentiment_score":-0.0766895647695357,"num_words":54,"start":1693.235,"end":1723.7051},{"sentences":[{"text":"PPD or total permanent facility is the same.","start":1724.165,"end":1726.8251,"sentiment":"neutral","sentiment_score":0.04423711076378822},{"text":"The income protection stands at $7,352 a month, and it's got a 30 day wait, five year benefit period.","start":1727.4451,"end":1737.98,"sentiment":"neutral","sentiment_score":0.03690488234554466},{"text":"Now, realistically speaking, with respect to your your investments within the your your superannuation fund, I have identified a couple of areas that we probably do need to look at making some movements on.","start":1740.6799,"end":1757.0951,"sentiment":"neutral","sentiment_score":0.05048534947940532},{"text":"And they sort of so two of the accounts, they're managed funds.","start":1758.09,"end":1763.07,"sentiment":"neutral","sentiment_score":0.03024107062568267},{"text":"One of them, the performance hasn't been fantastic, specifically with regards to the fee that they charge in the underlying investment.","start":1764.09,"end":1771.71,"sentiment":"neutral","sentiment_score":-0.036649126204706374}],"sentiment":"neutral","sentiment_score":0.025158007767923336,"num_words":94,"start":1724.165,"end":1771.71},{"sentences":[{"text":"So what I wanna do is I'm not trying to chase performance, but I'm just trying to kind of, I guess, clean it up a little bit to get a better underlying cost base to the overall portfolio, so the overall investments, while also looking at sort of at least trying to to get some decent investment returns happening.","start":1772.525,"end":1793.84,"sentiment":"neutral","sentiment_score":0.08519061604293726},{"text":"The Benelong so it's a it's a Benelong investment.","start":1794.86,"end":1797.2799,"sentiment":"neutral","sentiment_score":-0.043997337420781456},{"text":"It was tracking really, really well a few years ago, but it's just been hit.","start":1797.6599,"end":1802.5951,"sentiment":"neutral","sentiment_score":-0.15027676820755004},{"text":"Like, the Australian market got hit a little bit, and it just hasn't quite bounced back the way I'd like it to.","start":1802.5951,"end":1806.6951,"sentiment":"negative","sentiment_score":-0.3362815556201068},{"text":"So what I wanna do is basically offload that investment and look at alternatives within the Australian equities market that we can incorporate in.","start":1806.995,"end":1813.32,"sentiment":"neutral","sentiment_score":0.029595283480981987}],"sentiment":"neutral","sentiment_score":-0.033424718088881915,"num_words":129,"start":1772.525,"end":1813.32},{"sentences":[{"text":"Second to that, there's a couple of, I guess, underlying funds.","start":1815.88,"end":1819.7999,"sentiment":"neutral","sentiment_score":0.030574893748218365},{"text":"I just wanna kinda shake things up a little bit and just incorporate some new to the actual investment itself, diversify out a little bit more just so we can capture more of the market, then one of your assets, which is a banking hybrid.","start":1819.7999,"end":1836.615,"sentiment":"neutral","sentiment_score":0.09142392952409055},{"text":"Now banking hybrid and this investment has been doing well.","start":1837.155,"end":1839.715,"sentiment":"neutral","sentiment_score":0.21272008270025253},{"text":"Don't get me wrong.","start":1839.715,"end":1840.65,"sentiment":"neutral","sentiment_score":0.04422818776220083},{"text":"But banking hybrids legislatively have actually been terminated as an investment style, and they're set to roll off from an investment perspective twenty twenty thirty one.","start":1840.89,"end":1855.79,"sentiment":"neutral","sentiment_score":-0.07088587404443668}],"sentiment":"neutral","sentiment_score":0.05116126575740054,"num_words":96,"start":1815.88,"end":1855.79},{"sentences":[{"text":"I have to get it right.","start":1855.985,"end":1856.785,"sentiment":"neutral","sentiment_score":-0.109598142405351},{"text":"I keep saying 2021.","start":1856.785,"end":1858.885,"sentiment":"neutral","sentiment_score":-0.0780646437779069},{"text":"2031.","start":1859.265,"end":1860.485,"sentiment":"neutral","sentiment_score":-0.059416692703962326},{"text":"So it's in five years.","start":1861.665,"end":1862.9651,"sentiment":"neutral","sentiment_score":-0.07118329405784607},{"text":"But, essentially, at the moment, it is performing well.","start":1863.745,"end":1866.9451,"sentiment":"neutral","sentiment_score":0.0005768011841509054}],"sentiment":"neutral","sentiment_score":-0.055199575275182725,"num_words":25,"start":1855.985,"end":1866.9451},{"sentences":[{"text":"And, realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point.","start":1866.9451,"end":1877.5499,"sentiment":"neutral","sentiment_score":-0.24877505832248265},{"text":"And rather than hold on to it and then have the investment manager migrate you into a a fund that we're not we haven't chosen, we're not comfortable with, whatever the case may be, I would rather I'd rather be able to make the decision ourselves and actually pick where we wanna migrate to.","start":1877.9299,"end":1898.825,"sentiment":"neutral","sentiment_score":-0.032700747803405476},{"text":"And that way we have control over it rather than just allowing it to bait.","start":1899.125,"end":1902.79,"sentiment":"neutral","sentiment_score":0.09076841920614243},{"text":"So cool.","start":1904.8501,"end":1908.55,"sentiment":"positive","sentiment_score":0.37038566172122955},{"text":"So they're sort of the ones I wanna really target.","start":1920.425,"end":1922.685,"sentiment":"neutral","sentiment_score":0.20126215517520904}],"sentiment":"neutral","sentiment_score":-0.02150376028183735,"num_words":99,"start":1866.9451,"end":1922.685},{"sentences":[{"text":"So diversification, just decreasing some of the overall costs and getting rid of things that are being phased out.","start":1923.305,"end":1928.73,"sentiment":"neutral","sentiment_score":0.12024360032458055},{"text":"All in all, the fund has still pulled a return.","start":1930.25,"end":1933.85,"sentiment":"neutral","sentiment_score":0.12812972739338874},{"text":"So we're sitting at 4.64% and, like, for the for the year after fees, that Better Long Fund's being the massive drag to it.","start":1933.85,"end":1944.255,"sentiment":"neutral","sentiment_score":-0.14874291832772238},{"text":"So offloading that's going to let us flip that around and get that cleaned up.","start":1944.335,"end":1948.435,"sentiment":"neutral","sentiment_score":-0.14330825010935466},{"text":"So what I wanna do is within the next two weeks is get this it's it's gonna be very scoped based on what we've talked about today.","start":1949.215,"end":1956.975,"sentiment":"neutral","sentiment_score":0.08293309007529859}],"sentiment":"neutral","sentiment_score":0.0009017402171402388,"num_words":95,"start":1923.305,"end":1956.975},{"sentences":[{"text":"So looking at, I guess, in in six months, looking at the property advice and cash flow side of things.","start":1956.975,"end":1966.35,"sentiment":"neutral","sentiment_score":0.05507230032235384},{"text":"So that's, you know, March next year.","start":1966.35,"end":1968.5099,"sentiment":"neutral","sentiment_score":0.08073442642177854},{"text":"We're not going ahead with the insurance stuff, but just very specifically looking at the investments underlying within the Superfund.","start":1968.5099,"end":1973.73,"sentiment":"neutral","sentiment_score":0.08465359937399626},{"text":"I wanna be able to get that advice drawn up and get it out to you within within two weeks.","start":1973.7899,"end":1979.215,"sentiment":"neutral","sentiment_score":0.23767563179135323},{"text":"So that way, we can get that get that moving and happening.","start":1979.755,"end":1982.895,"sentiment":"neutral","sentiment_score":0.24033979326486588}],"sentiment":"neutral","sentiment_score":0.13920568523904944,"num_words":79,"start":1956.975,"end":1982.895},{"sentences":[{"text":"But are you okay if I focus on that as an advice piece rather than anything else?","start":1983.355,"end":1989.01,"sentiment":"neutral","sentiment_score":0.11956017924582257},{"text":"Is there anything else else that you, I guess, specifically want to look at or if there's anything else that you could identify?","start":1989.01,"end":1995.3501,"sentiment":"neutral","sentiment_score":0.0782500547559365},{"text":"Yeah.","start":2032.255,"end":2032.755,"sentiment":"positive","sentiment_score":0.4047608971595764},{"text":"Well, I'm already there for you.","start":2034.015,"end":2035.44,"sentiment":"neutral","sentiment_score":0.22511492669582367},{"text":"So, ultimately, today, I guess, what I'm gonna do is I'm gonna from the takeaway of everything, update your file with all of your new details.","start":2037.36,"end":2047.36,"sentiment":"neutral","sentiment_score":0.20158844211926827}],"sentiment":"neutral","sentiment_score":0.1483427980685071,"num_words":73,"start":1983.355,"end":2047.36},{"sentences":[{"text":"I I recorded four kids, not three.","start":2047.36,"end":2050.3198,"sentiment":"neutral","sentiment_score":0.06412893028131553},{"text":"Three dependents, one not.","start":2050.3198,"end":2051.9849,"sentiment":"neutral","sentiment_score":0.049429298378527164},{"text":"I'll send you an email today with a just, I guess, a about overview information guide so that way you can talk to your daughter about it.","start":2054.125,"end":2063.905,"sentiment":"neutral","sentiment_score":0.22021029006551812},{"text":"And and I'll set a a calendar meeting for sort of that March period where we'll reach out to you in March to do that touch point.","start":2064.95,"end":2072.73,"sentiment":"neutral","sentiment_score":0.18104281331653949},{"text":"But are you okay if I put in my calendar now for two weeks from today?","start":2072.95,"end":2076.95,"sentiment":"neutral","sentiment_score":0.07267677341587842}],"sentiment":"neutral","sentiment_score":0.156089899647567,"num_words":81,"start":2047.36,"end":2076.95},{"sentences":[{"text":"So that would be Thursday, the first of could I would it be okay if I go Wednesday, the thirtieth, if that's okay?","start":2076.95,"end":2086.9548,"sentiment":"neutral","sentiment_score":0.061510670606208885},{"text":"Yeah.","start":2090.2148,"end":2090.535,"sentiment":"neutral","sentiment_score":0.03092457354068756},{"text":"September 30.","start":2090.535,"end":2091.595,"sentiment":"neutral","sentiment_score":0.028103141114115715},{"text":"Just I've I've booked annually for the October 1.","start":2091.655,"end":2095.6997,"sentiment":"neutral","sentiment_score":0.01914536202740338},{"text":"It's my ten year wedding anniversary, so I'm not gonna put myself in a position of of calling you.","start":2095.7,"end":2100.44,"sentiment":"neutral","sentiment_score":-0.06350946099203277}],"sentiment":"neutral","sentiment_score":0.00865749590943947,"num_words":54,"start":2076.95,"end":2100.44},{"sentences":[{"text":"Yeah.","start":2104.1,"end":2104.58,"sentiment":"neutral","sentiment_score":-0.015522501431405544},{"text":"But it'll it'll be much much quicker than today.","start":2104.58,"end":2107.225,"sentiment":"neutral","sentiment_score":0.1746748454040951},{"text":"It'll just be, hey.","start":2107.225,"end":2108.105,"sentiment":"neutral","sentiment_score":0.16438032314181328},{"text":"I've picked these stock options for these reasons.","start":2108.105,"end":2111.165,"sentiment":"neutral","sentiment_score":0.10366730391979218},{"text":"Are you okay with that?","start":2111.625,"end":2112.925,"sentiment":"neutral","sentiment_score":0.09471537917852402}],"sentiment":"neutral","sentiment_score":0.13025880470458004,"num_words":27,"start":2104.1,"end":2112.925},{"sentences":[{"text":"Here's my advice.","start":2112.985,"end":2113.865,"sentiment":"neutral","sentiment_score":0.06762424359718959},{"text":"Here's how things have changed.","start":2113.865,"end":2115.405,"sentiment":"neutral","sentiment_score":0.06094279959797859},{"text":"Let's go type of situation.","start":2116.105,"end":2118.205,"sentiment":"neutral","sentiment_score":0.02393507640808821},{"text":"Yeah.","start":2120.52,"end":2120.76,"sentiment":"neutral","sentiment_score":0.09624334424734116},{"text":"Absolutely.","start":2120.76,"end":2121.26,"sentiment":"neutral","sentiment_score":0.21205106377601624}],"sentiment":"neutral","sentiment_score":0.06237043458968401,"num_words":15,"start":2112.985,"end":2121.26},{"sentences":[{"text":"Yeah.","start":2121.8,"end":2122.12,"sentiment":"neutral","sentiment_score":0.10133040696382524},{"text":"Monday, the twenty eighth.","start":2122.12,"end":2123.08,"sentiment":"neutral","sentiment_score":0.09498334862291813},{"text":"Done.","start":2123.08,"end":2123.56,"sentiment":"neutral","sentiment_score":0.2079455703496933},{"text":"Would you be okay with the afternoon?","start":2123.56,"end":2125.02,"sentiment":"neutral","sentiment_score":0.22039785448993957},{"text":"Would you like Perfect.","start":2128.52,"end":2134.185,"sentiment":"neutral","sentiment_score":0.16620436310768127}],"sentiment":"neutral","sentiment_score":0.17040069445091136,"num_words":17,"start":2121.8,"end":2134.185},{"sentences":[{"text":"02:00 it is.","start":2134.185,"end":2135.405,"sentiment":"neutral","sentiment_score":0.2086628923813502},{"text":"Cool.","start":2138.345,"end":2138.585,"sentiment":"positive","sentiment_score":0.47814035415649414},{"text":"What I'll do is I'll pop it in the calendar, and I'll send you an invite to it as well.","start":2138.585,"end":2141.3052,"sentiment":"positive","sentiment_score":0.35809095203876495},{"text":"So it'll pop into your calendar, so that way you have that invite.","start":2141.3052,"end":2145.165,"sentiment":"positive","sentiment_score":0.3421846009217776},{"text":"Now for today, I do have that pack of documents to send to you.","start":2145.465,"end":2148.63,"sentiment":"neutral","sentiment_score":0.1800655573606491}],"sentiment":"neutral","sentiment_score":0.29873069974721644,"num_words":51,"start":2134.185,"end":2148.63},{"sentences":[{"text":"So you have a rundown of everything.","start":2148.63,"end":2150.0698,"sentiment":"neutral","sentiment_score":0.1906523151057107},{"text":"It's a it's your certificate of currency for your for your insurance policy.","start":2150.0698,"end":2154.25,"sentiment":"neutral","sentiment_score":0.16547753833807433},{"text":"It's a performance report for your super fund.","start":2154.55,"end":2157.6099,"sentiment":"neutral","sentiment_score":0.1704189945012331},{"text":"An overview, it does have the index the the index chart.","start":2158.23,"end":2161.43,"sentiment":"neutral","sentiment_score":0.13230841132727536},{"text":"So it just shows how investments over the last from 1996, basically, so thirty years, have operated in different classes.","start":2161.43,"end":2172.495,"sentiment":"neutral","sentiment_score":0.08705226741731167}],"sentiment":"neutral","sentiment_score":0.13636549208628929,"num_words":59,"start":2148.63,"end":2172.495},{"sentences":[{"text":"So from cash to CPI to Australian bonds all the way through to, you know, US shares just to show how market fluctuation works.","start":2172.495,"end":2180.47,"sentiment":"neutral","sentiment_score":0.13232334020237127},{"text":"It's a really it's just a really nice graph, honestly.","start":2180.47,"end":2183.3699,"sentiment":"positive","sentiment_score":0.5190882563591004},{"text":"It does also include our, like, Oakview's ongoing servicing agreement as well.","start":2184.71,"end":2190.17,"sentiment":"neutral","sentiment_score":0.2590505393842856},{"text":"So it enables us to continue being your adviser on your account and the fees associated with it, which is $2,223.70 for the annum, which is broken up across the year.","start":2190.435,"end":2202.215,"sentiment":"neutral","sentiment_score":0.18345142059749173},{"text":"Perfect.","start":2205.155,"end":2205.655,"sentiment":"positive","sentiment_score":0.3699274063110352}],"sentiment":"neutral","sentiment_score":0.22477141853708488,"num_words":78,"start":2172.495,"end":2205.655},{"sentences":[{"text":"So I'll get that sent to you once I figure out why my computer is not emailing it to you.","start":2205.75,"end":2209.61,"sentiment":"neutral","sentiment_score":0.19456304386258125},{"text":"I'll get my notes in, update your file, and get working on the investment slip ready for the twenty eighth.","start":2210.07,"end":2216.33,"sentiment":"neutral","sentiment_score":0.2666673496365547},{"text":"No.","start":2219.495,"end":2219.655,"sentiment":"neutral","sentiment_score":0.18992698192596436},{"text":"That's okay.","start":2219.655,"end":2220.055,"sentiment":"neutral","sentiment_score":0.1921864077448845},{"text":"Were there any other questions or anything else that you had for today?","start":2220.055,"end":2223.0151,"sentiment":"neutral","sentiment_score":0.14068355182042488}],"sentiment":"neutral","sentiment_score":0.2076391757332853,"num_words":56,"start":2205.75,"end":2223.0151},{"sentences":[{"text":"Or perfect.","start":2223.0151,"end":2228.875,"sentiment":"neutral","sentiment_score":0.05247499141842127},{"text":"Well, cool.","start":2229.495,"end":2229.895,"sentiment":"positive","sentiment_score":0.5537072122097015},{"text":"Well, I will talk to you in a week and a half, and we'll go from there.","start":2229.895,"end":2233.94,"sentiment":"neutral","sentiment_score":0.19183992243864956},{"text":"Yes.","start":2237.2,"end":2237.52,"sentiment":"neutral","sentiment_score":0.29036813974380493},{"text":"I will.","start":2237.52,"end":2238.08,"sentiment":"neutral","sentiment_score":0.26694798469543457}],"sentiment":"neutral","sentiment_score":0.2207461332436651,"num_words":24,"start":2223.0151,"end":2238.08},{"sentences":[{"text":"I think after I get all my notes in, it might be some lunch.","start":2238.08,"end":2240.9,"sentiment":"neutral","sentiment_score":0.14481045358947345},{"text":"But you have a good one.","start":2241.36,"end":2242.66,"sentiment":"positive","sentiment_score":0.35858873774607974},{"text":"Bye, Kylene.","start":2244.8,"end":2245.54,"sentiment":"neutral","sentiment_score":0.16623248904943466},{"text":"Bye.","start":2245.68,"end":2246.18,"sentiment":"neutral","sentiment_score":0.13906121253967285}],"sentiment":"neutral","sentiment_score":0.20219152032033258,"num_words":23,"start":2238.08,"end":2246.18}]}}]},{"alternatives":[{"transcript":"Hello. Carlene speaking. Good. Thanks. How are you? That's good. Yeah. Yeah. That's a good time. Sure. So it's Kylene Knowles Randall, sixty third nineteen eighty four, and I'm at 5 Storksfield Terrace in Charley, New South Wales. Yes. No. Because my I've now like, I'm now part time, so my salary has dropped. Yeah. Because I'm part time. No. I am in the process of looking for a new role because part time is insufficient for me. So, yeah, I just think maybe if we could hold off on having this conversation, that would probably be the best, I think, for now. Yeah. Well, no. I'm with a new organization now. And so when I first started with them, I was employed full time, but they made me drop, you know, like, two days because I have I started my masters. Just started university. Yeah. Thank you. It is, isn't it? Yeah. I know. I was like, what have I done? But it's okay. I hope I think, you know, when there's assessment dues and stuff, I just kinda feel lots of pressure. And I just got real present to like, I need to be organized, like, kind of, you know, winning stuff. I feel like I've done most of my life and just making shit happen. I feel like I need to be a bit more organized, you know, with my masters. So it's making me grow up in different ways. That's kinda how I am too. Yeah. Yeah. Yep. Oh, because I only just started this year, so I'm really only into the first semester. And because I'm doing it part time, it I think it's gonna be four years because the you know, to do it full time is two years. And I thought initially, I was like, yeah. I can work full time, and I can raise three kids, and I can, you know, like, study full time. And then I was like, you know what? I reckon that's probably self sabotage. So I'm gonna enroll in part time, and so I just did that. And it's like, the balance is really well. Like, it's great for me. But, yeah, I was because I still do have a bit of capacity, so I was hoping that I could do full time work. But, yeah, the organization I'm with doesn't really support that. So it's a bit frustrating. Yep. Yeah. Mhmm. Mhmm. So I've got a nine year old and the twins are almost 16. I know. Yeah. No. I like to do things the hard way, I guess. So it is just over $1.20 annually. But, yeah, part it's pro rata. I'm doing four days a week. Yes. Yeah. Is that a enterprise agreement? Is that what that is? No. Look. I don't think so. Oh, so they're called Grand Pacific Health? Yeah. In May this year. No. I'm a cultural adviser. So I support building the cultural capability across the organization and just provide advice on how to, you know, like, engage with Aboriginal communities and, kind yeah. Just set up, you know, cultural safety inside of the organization for any existing First Nations staff or any staff that are coming on. Yeah. It's pretty interesting role, but it's quite challenging too, I'm finding. Mhmm. Well, it's not owing that much anymore. I think it's maybe 22 owing. Oh, that's a really good question. It I think I got a seven year loan, and that was taken out in November or December in 2022. Yeah. That is a little bit lower. So one of them should be finished next year, I think. Oh, actually, they might be finished. Both of them might be finished next year, but one earlier in the year and then one later in the year. Yeah. One's, I think, about 9,000. And then the other one oh, I haven't checked this in a little bit. It's probably the same. Yeah. I think so. Yes. It is per week. No. No. I think that's it. I paid out all of my zip and, you know, Afterpay stuff. Yeah. They're a pain in the butt. And it's like the worst cycle to get stuck in, I reckon. No. But I do wanna do that for my kids. Okay. Okay. Yes. My citizen. Yep. No. Mhmm. Yeah. But I think we're more interested in going over to Canada. Yeah. Probably when the boys can pay for themselves. I'm kidding. So it'll just be a little bit cheaper for me. I don't really know. It's just kind of a goal. So I reckon maybe three three years. Yep. No. I haven't even started to think about that. Kind of just been, like, focusing on focusing on reducing debt, and then I think my first priority is to either get an investment property or, you know, like, purchase a home. I did, but I feel like I've I'm having to reassess it again because, you know, the having to reduce my hours to part time has really thrown me and kind of made me, yeah, just think a bit more, I think, strategically, financially. And so I'm just kind of in the process of doing that now. I am like I said, I am hoping to, you know, secure full time employment because I just don't think there's any way I can negotiate that with the organization I'm with, which is a shame. But yeah. Yep. Yeah. I think, no. I'm not comfortable doing that because I know that expenses come up. And then I'm like, oh, I've just got this sitting here. You know? This kind of like the I'll be able to top it up type thing. 100 percent. Yeah. Yeah. Yeah. Exactly. Because Peter and Paul are the same people, you know. It's a bit crazy. Yeah. That's right. Oh, it's a lot of money. So my car loan is $4.53 a fortnight. And then one of the personal loans, the one that will be paid out early next year, I think it's I hope it's early next year, is around $3.17 a fortnight. And then my a n zed is $2.50 a fortnight, I think. So that's where most of my money goes. Three months. Yep. Yep. Yeah. No. I had some the reason I, you know, like, got another loan is because I had additional income and I had support with the rent. So my, you know, like, my share of the rent was really, really minimal. So I did kind of have this extra money. And then, obviously, circumstances changed, and then it really affected me. Yeah. I've learned such really big lessons around money, and I just feel like I wish I knew this stuff earlier. You know, when you're kinda going through the yeah. It's the hard the hard bits of it. Yeah. That's right. Okay. Yeah. I also feel like yeah. I also feel like I honestly do feel like I'll have a different financial position by the end of the year as well. Like, I had a job interview a couple of weeks ago, and that was for a much higher pay scale, that role. And I'm just waiting to hear back from that. So I feel like once I hear back from that, I'll be able to be a bit more clear with you on dates and, you know, because I'll be able to increase your payments just to make sure that they're done and dusted, you know, quicker. And and then make and also, hopefully, look at being able to put some money aside for that, yeah, home guarantee thing. Yeah. Yeah. Yeah. 100%. Yes. Yep. Okay. Yep. Yeah. That'd be really great. Are we able to because my daughter and I have been talking about purchasing a property together, my oldest daughter and I. And so is there any way to no. No. So I've got an older one. She's 25. Yeah. Yep. And so her yeah. Her and I have been talking for some time about it, and I feel like I did say to her a couple of years ago, oh, you should talk to these guys. I was talking about you guys, and I was like, they can help you with your financial planning and, you know, insurances and all of this stuff. I was like, it's really good to learn about this stuff while you're young. And because she's got secure employment. You know? She's with the public service. Just taking a bit of a gap year this year to study. But, yeah, I just feel like is there any way that her and I can have a conversate like, a joint conversation about the home, you know, the home situation, or does it kind of need to be done me by myself? Okay. Mhmm. Yeah. Right. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Well, I'm catching up with her this weekend, so I'll have a yarn to her about it and then see what she reckons. But and then I'll I might just pass your details on to her. Yeah. Oh, yeah. That'd be great. Yeah. That would be great. Yep. Okay. Yeah. No. I have the same problem. I've we're traveling for an eighteenth, and I've been trying to recover photos from old laptops and desktops. And it's like, my office is crazy at the moment. It's just got laptops and old desktops everywhere because, you know, you can't throw anything out. Jeez. Well, I can't anyway. Crazy. And I you know, like, I did live out I did live remotely for ages. So I was like, oh, I'll, you know, like, get all of the photos and everything I need extracted off, you know, these laptops so I can dispose of them when I moved to a city. And I've been here for nearly two years now, and I still haven't done it. Anyways, I'll get around to it. Yeah. Yeah. Yeah. I know. It's I'm looking. Yep. Oh, no. Yeah. Okay. Okay. Yep. Mhmm. Mhmm. Okay. Yep. Yeah. I'm supportive of that, but thank you. Okay. Okay. Mhmm. No. That's really great. I've been no. That's really great actually because I've been wanting to touch base with you guys about my superannuation because I keep and I don't know, you know, like, I don't know much about stocks or anything, but I do kind of take notice of what's going on and what's being said on social media. So I just kind of wanted to check-in with you guys to make sure that, you know, like, where my, I guess yeah. Where my superannuation is held is kind of safe and, you know, is the investments pulling returns and things like that. So happy happy for this yep. Yep. Yeah. That should work. That's alright. Do we need to sorry. Are we having a face are we have will we be having a conversation again on the third of it? Okay. Can we lock in the twenty eighth? Yeah. Monday. Awesome. Yeah. Afternoon's perfect. Anytime after anytime after 01:30 works for me. Cool. Thank you. Okay. K. Okay. Okay. No worries. Thank you so much. No. Alright. No worries. You have a good rest of your day. Yeah. I'm the same. You too. Bye. 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Carlene speaking. Good. Thanks. How are you?\n\nThat's good. Yeah. Yeah. That's a good time. Sure.\n\nSo it's Kylene Knowles Randall, sixty third nineteen eighty four, and I'm at 5 Storksfield Terrace in Charley, New South Wales. Yes. No. Because my I've now like, I'm now part time, so my salary has dropped. Yeah.\n\nBecause I'm part time. No. I am in the process of looking for a new role because part time is insufficient for me. So, yeah, I just think maybe if we could hold off on having this conversation, that would probably be the best, I think, for now. Yeah.\n\nWell, no. I'm with a new organization now. And so when I first started with them, I was employed full time, but they made me drop, you know, like, two days because I have I started my masters. Just started university. Yeah.\n\nThank you. It is, isn't it? Yeah. I know. I was like, what have I done?\n\nBut it's okay. I hope I think, you know, when there's assessment dues and stuff, I just kinda feel lots of pressure. And I just got real present to like, I need to be organized, like, kind of, you know, winning stuff. I feel like I've done most of my life and just making shit happen. I feel like I need to be a bit more organized, you know, with my masters.\n\nSo it's making me grow up in different ways. That's kinda how I am too. Yeah. Yeah. Yep.\n\nOh, because I only just started this year, so I'm really only into the first semester. And because I'm doing it part time, it I think it's gonna be four years because the you know, to do it full time is two years. And I thought initially, I was like, yeah. I can work full time, and I can raise three kids, and I can, you know, like, study full time. And then I was like, you know what?\n\nI reckon that's probably self sabotage. So I'm gonna enroll in part time, and so I just did that. And it's like, the balance is really well. Like, it's great for me. But, yeah, I was because I still do have a bit of capacity, so I was hoping that I could do full time work.\n\nBut, yeah, the organization I'm with doesn't really support that. So it's a bit frustrating. Yep. Yeah. Mhmm.\n\nMhmm. So I've got a nine year old and the twins are almost 16. I know. Yeah. No.\n\nI like to do things the hard way, I guess. So it is just over $1.20 annually. But, yeah, part it's pro rata. I'm doing four days a week. Yes.\n\nYeah. Is that a enterprise agreement? Is that what that is? No. Look.\n\nI don't think so. Oh, so they're called Grand Pacific Health? Yeah. In May this year. No.\n\nI'm a cultural adviser. So I support building the cultural capability across the organization and just provide advice on how to, you know, like, engage with Aboriginal communities and, kind yeah. Just set up, you know, cultural safety inside of the organization for any existing First Nations staff or any staff that are coming on. Yeah. It's pretty interesting role, but it's quite challenging too, I'm finding.\n\nMhmm. Well, it's not owing that much anymore. I think it's maybe 22 owing. Oh, that's a really good question. It I think I got a seven year loan, and that was taken out in November or December in 2022.\n\nYeah. That is a little bit lower. So one of them should be finished next year, I think. Oh, actually, they might be finished. Both of them might be finished next year, but one earlier in the year and then one later in the year.\n\nYeah. One's, I think, about 9,000. And then the other one oh, I haven't checked this in a little bit. It's probably the same. Yeah.\n\nI think so. Yes. It is per week. No. No.\n\nI think that's it. I paid out all of my zip and, you know, Afterpay stuff. Yeah. They're a pain in the butt. And it's like the worst cycle to get stuck in, I reckon.\n\nNo. But I do wanna do that for my kids. Okay. Okay. Yes.\n\nMy citizen. Yep. No. Mhmm. Yeah.\n\nBut I think we're more interested in going over to Canada. Yeah. Probably when the boys can pay for themselves. I'm kidding. So it'll just be a little bit cheaper for me.\n\nI don't really know. It's just kind of a goal. So I reckon maybe three three years. Yep. No.\n\nI haven't even started to think about that. Kind of just been, like, focusing on focusing on reducing debt, and then I think my first priority is to either get an investment property or, you know, like, purchase a home. I did, but I feel like I've I'm having to reassess it again because, you know, the having to reduce my hours to part time has really thrown me and kind of made me, yeah, just think a bit more, I think, strategically, financially. And so I'm just kind of in the process of doing that now. I am like I said, I am hoping to, you know, secure full time employment because I just don't think there's any way I can negotiate that with the organization I'm with, which is a shame.\n\nBut yeah. Yep. Yeah. I think, no. I'm not comfortable doing that because I know that expenses come up.\n\nAnd then I'm like, oh, I've just got this sitting here. You know? This kind of like the I'll be able to top it up type thing. 100 percent. Yeah.\n\nYeah. Yeah. Exactly. Because Peter and Paul are the same people, you know. It's a bit crazy.\n\nYeah. That's right. Oh, it's a lot of money. So my car loan is $4.53 a fortnight. And then one of the personal loans, the one that will be paid out early next year, I think it's I hope it's early next year, is around $3.17 a fortnight.\n\nAnd then my a n zed is $2.50 a fortnight, I think. So that's where most of my money goes. Three months. Yep. Yep.\n\nYeah. No. I had some the reason I, you know, like, got another loan is because I had additional income and I had support with the rent. So my, you know, like, my share of the rent was really, really minimal. So I did kind of have this extra money.\n\nAnd then, obviously, circumstances changed, and then it really affected me. Yeah. I've learned such really big lessons around money, and I just feel like I wish I knew this stuff earlier. You know, when you're kinda going through the yeah. It's the hard the hard bits of it.\n\nYeah. That's right. Okay. Yeah. I also feel like yeah.\n\nI also feel like I honestly do feel like I'll have a different financial position by the end of the year as well. Like, I had a job interview a couple of weeks ago, and that was for a much higher pay scale, that role. And I'm just waiting to hear back from that. So I feel like once I hear back from that, I'll be able to be a bit more clear with you on dates and, you know, because I'll be able to increase your payments just to make sure that they're done and dusted, you know, quicker. And and then make and also, hopefully, look at being able to put some money aside for that, yeah, home guarantee thing.\n\nYeah. Yeah. Yeah. 100%. Yes.\n\nYep. Okay. Yep. Yeah. That'd be really great.\n\nAre we able to because my daughter and I have been talking about purchasing a property together, my oldest daughter and I. And so is there any way to no. No. So I've got an older one. She's 25.\n\nYeah. Yep. And so her yeah. Her and I have been talking for some time about it, and I feel like I did say to her a couple of years ago, oh, you should talk to these guys. I was talking about you guys, and I was like, they can help you with your financial planning and, you know, insurances and all of this stuff.\n\nI was like, it's really good to learn about this stuff while you're young. And because she's got secure employment. You know? She's with the public service. Just taking a bit of a gap year this year to study.\n\nBut, yeah, I just feel like is there any way that her and I can have a conversate like, a joint conversation about the home, you know, the home situation, or does it kind of need to be done me by myself? Okay. Mhmm. Yeah. Right.\n\nYep. Yeah. Yeah. Yeah. Okay.\n\nYeah. Okay. Yeah. Yeah. Well, I'm catching up with her this weekend, so I'll have a yarn to her about it and then see what she reckons.\n\nBut and then I'll I might just pass your details on to her. Yeah. Oh, yeah. That'd be great. Yeah.\n\nThat would be great. Yep. Okay. Yeah. No.\n\nI have the same problem. I've we're traveling for an eighteenth, and I've been trying to recover photos from old laptops and desktops. And it's like, my office is crazy at the moment. It's just got laptops and old desktops everywhere because, you know, you can't throw anything out. Jeez.\n\nWell, I can't anyway. Crazy. And I you know, like, I did live out I did live remotely for ages. So I was like, oh, I'll, you know, like, get all of the photos and everything I need extracted off, you know, these laptops so I can dispose of them when I moved to a city. And I've been here for nearly two years now, and I still haven't done it.\n\nAnyways, I'll get around to it. Yeah. Yeah. Yeah. I know.\n\nIt's I'm looking. Yep. Oh, no. Yeah. Okay.\n\nOkay. Yep. Mhmm. Mhmm. Okay.\n\nYep. Yeah. I'm supportive of that, but thank you. Okay. Okay.\n\nMhmm. No. That's really great. I've been no. That's really great actually because I've been wanting to touch base with you guys about my superannuation because I keep and I don't know, you know, like, I don't know much about stocks or anything, but I do kind of take notice of what's going on and what's being said on social media.\n\nSo I just kind of wanted to check-in with you guys to make sure that, you know, like, where my, I guess yeah. Where my superannuation is held is kind of safe and, you know, is the investments pulling returns and things like that. So happy happy for this yep. Yep. Yeah.\n\nThat should work. That's alright. Do we need to sorry. Are we having a face are we have will we be having a conversation again on the third of it? Okay.\n\nCan we lock in the twenty eighth? Yeah. Monday. Awesome. Yeah.\n\nAfternoon's perfect. Anytime after anytime after 01:30 works for me. Cool. Thank you. Okay.\n\nK. Okay. Okay. No worries. Thank you so much.\n\nNo. Alright. No worries. You have a good rest of your day. Yeah.\n\nI'm the same. You too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.02469649910926819},{"text":"Carlene speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.0219037476927042},{"text":"Good.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.45366060733795166},{"text":"Thanks.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.4900090992450714},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.237407053510348}],"sentiment":"neutral","sentiment_score":0.21554935770109296,"num_words":8,"start":0.88,"end":7.7},{"sentences":[{"text":"That's good.","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.5529727935791016},{"text":"Yeah.","start":18.085,"end":18.585,"sentiment":"neutral","sentiment_score":0.12259458750486374},{"text":"Yeah.","start":19.285,"end":19.525,"sentiment":"neutral","sentiment_score":0.22701916098594663},{"text":"That's a good time.","start":19.525,"end":20.585,"sentiment":"positive","sentiment_score":0.4359773024916649},{"text":"Sure.","start":29.13,"end":29.609999,"sentiment":"neutral","sentiment_score":0.03787153959274292}],"sentiment":"positive","sentiment_score":0.3597044539120462,"num_words":9,"start":10.8,"end":29.609999},{"sentences":[{"text":"So it's Kylene Knowles Randall, sixty third nineteen eighty four, and I'm at 5 Storksfield Terrace in Charley, New South Wales.","start":29.609999,"end":36.75,"sentiment":"neutral","sentiment_score":0.036064054196079574},{"text":"Yes.","start":56.760002,"end":57.260002,"sentiment":"neutral","sentiment_score":0.010172231122851372},{"text":"No.","start":74.174995,"end":74.655,"sentiment":"neutral","sentiment_score":-0.1780131757259369},{"text":"Because my I've now like, I'm now part time, so my salary has dropped.","start":74.655,"end":81.075,"sentiment":"neutral","sentiment_score":-0.17525065317749977},{"text":"Yeah.","start":82.814995,"end":83.314995,"sentiment":"neutral","sentiment_score":-0.044868990778923035}],"sentiment":"neutral","sentiment_score":-0.050233524782877216,"num_words":38,"start":29.609999,"end":83.314995},{"sentences":[{"text":"Because I'm part time.","start":83.375,"end":84.674995,"sentiment":"neutral","sentiment_score":-0.05111566558480263},{"text":"No.","start":92.75,"end":93.229996,"sentiment":"neutral","sentiment_score":-0.1812768280506134},{"text":"I am in the process of looking for a new role because part time is insufficient for me.","start":93.229996,"end":98.21,"sentiment":"neutral","sentiment_score":-0.17845489291681182},{"text":"So, yeah, I just think maybe if we could hold off on having this conversation, that would probably be the best, I think, for now.","start":99.935,"end":109.715,"sentiment":"neutral","sentiment_score":-0.0729692506790161},{"text":"Yeah.","start":118.090004,"end":118.41,"sentiment":"neutral","sentiment_score":-0.01627761870622635}],"sentiment":"neutral","sentiment_score":-0.11098849895049115,"num_words":49,"start":83.375,"end":118.41},{"sentences":[{"text":"Well, no.","start":118.41,"end":119.61,"sentiment":"neutral","sentiment_score":-0.11411478370428085},{"text":"I'm with a new organization now.","start":119.61,"end":121.71001,"sentiment":"neutral","sentiment_score":-0.11932462205489476},{"text":"And so when I first started with them, I was employed full time, but they made me drop, you know, like, two days because I have I started my masters.","start":121.770004,"end":131.91501,"sentiment":"neutral","sentiment_score":-0.09601694435502092},{"text":"Just started university.","start":132.775,"end":133.91501,"sentiment":"neutral","sentiment_score":0.02970336253444354},{"text":"Yeah.","start":134.055,"end":134.555,"sentiment":"neutral","sentiment_score":0.14307665824890137}],"sentiment":"neutral","sentiment_score":-0.08553568772705537,"num_words":42,"start":118.41,"end":134.555},{"sentences":[{"text":"Thank you.","start":138.215,"end":138.955,"sentiment":"positive","sentiment_score":0.42426472902297974},{"text":"It is, isn't it?","start":143.95,"end":144.90999,"sentiment":"neutral","sentiment_score":-0.16842131316661835},{"text":"Yeah.","start":144.90999,"end":145.40999,"sentiment":"neutral","sentiment_score":-0.007846053689718246},{"text":"I know.","start":152.75,"end":153.15,"sentiment":"neutral","sentiment_score":-0.005188671872019768},{"text":"I was like, what have I done?","start":153.15,"end":154.84999,"sentiment":"neutral","sentiment_score":-0.024686232209205627}],"sentiment":"neutral","sentiment_score":-0.001011426094919443,"num_words":16,"start":138.215,"end":154.84999},{"sentences":[{"text":"But it's okay.","start":156.145,"end":157.505,"sentiment":"neutral","sentiment_score":0.06723943104346593},{"text":"I hope I think, you know, when there's assessment dues and stuff, I just kinda feel lots of pressure.","start":157.505,"end":162.885,"sentiment":"neutral","sentiment_score":-0.060392058993640696},{"text":"And I just got real present to like, I need to be organized, like, kind of, you know, winning stuff.","start":165.265,"end":171.585,"sentiment":"neutral","sentiment_score":-0.040798718482255934},{"text":"I feel like I've done most of my life and just making shit happen.","start":171.585,"end":175.24,"sentiment":"neutral","sentiment_score":-0.01013620211077588},{"text":"I feel like I need to be a bit more organized, you know, with my masters.","start":175.24,"end":179.82,"sentiment":"neutral","sentiment_score":-0.04465848742984235}],"sentiment":"neutral","sentiment_score":-0.03636316424753103,"num_words":72,"start":156.145,"end":179.82},{"sentences":[{"text":"So it's making me grow up in different ways.","start":179.88,"end":181.98001,"sentiment":"neutral","sentiment_score":0.04007431368033091},{"text":"That's kinda how I am too.","start":217.425,"end":219.125,"sentiment":"neutral","sentiment_score":-0.16882996261119843},{"text":"Yeah.","start":224.53,"end":225.03,"sentiment":"neutral","sentiment_score":-0.08917273581027985},{"text":"Yeah.","start":225.89,"end":226.39,"sentiment":"neutral","sentiment_score":0.006015568971633911},{"text":"Yep.","start":226.45,"end":226.95,"sentiment":"neutral","sentiment_score":0.05841352045536041}],"sentiment":"neutral","sentiment_score":-0.03761414438486099,"num_words":18,"start":179.88,"end":226.95},{"sentences":[{"text":"Oh, because I only just started this year, so I'm really only into the first semester.","start":234.05,"end":239.395,"sentiment":"neutral","sentiment_score":0.025072503020055592},{"text":"And because I'm doing it part time, it I think it's gonna be four years because the you know, to do it full time is two years.","start":239.69499,"end":245.875,"sentiment":"neutral","sentiment_score":0.012232070599027254},{"text":"And I thought initially, I was like, yeah.","start":249.135,"end":252.015,"sentiment":"neutral","sentiment_score":0.03386680502444506},{"text":"I can work full time, and I can raise three kids, and I can, you know, like, study full time.","start":252.015,"end":257.4,"sentiment":"neutral","sentiment_score":0.08137413766235113},{"text":"And then I was like, you know what?","start":257.4,"end":258.68,"sentiment":"neutral","sentiment_score":-0.15143554285168648}],"sentiment":"neutral","sentiment_score":0.017953908925616664,"num_words":79,"start":234.05,"end":258.68},{"sentences":[{"text":"I reckon that's probably self sabotage.","start":258.68,"end":261.42,"sentiment":"negative","sentiment_score":-0.34054675946633023},{"text":"So I'm gonna enroll in part time, and so I just did that.","start":261.96,"end":265.4,"sentiment":"neutral","sentiment_score":0.02865090651007799},{"text":"And it's like, the balance is really well.","start":265.4,"end":267.48,"sentiment":"positive","sentiment_score":0.41685402020812035},{"text":"Like, it's great for me.","start":267.48,"end":268.94,"sentiment":"positive","sentiment_score":0.6330939412117005},{"text":"But, yeah, I was because I still do have a bit of capacity, so I was hoping that I could do full time work.","start":270.245,"end":276.565,"sentiment":"neutral","sentiment_score":-0.049658534893145166}],"sentiment":"neutral","sentiment_score":0.06495854032358953,"num_words":56,"start":258.68,"end":276.565},{"sentences":[{"text":"But, yeah, the organization I'm with doesn't really support that.","start":276.565,"end":280.025,"sentiment":"negative","sentiment_score":-0.4444037526845932},{"text":"So it's a bit frustrating.","start":281.285,"end":282.665,"sentiment":"negative","sentiment_score":-0.37299437522888185},{"text":"Yep.","start":286.78998,"end":287.27,"sentiment":"neutral","sentiment_score":0.01720108650624752},{"text":"Yeah.","start":287.27,"end":287.77,"sentiment":"neutral","sentiment_score":0.1394340693950653},{"text":"Mhmm.","start":337.655,"end":338.155,"sentiment":"neutral","sentiment_score":0.009644364938139915}],"sentiment":"negative","sentiment_score":-0.3412627712306049,"num_words":18,"start":276.565,"end":338.155},{"sentences":[{"text":"Mhmm.","start":367.835,"end":368.155,"sentiment":"neutral","sentiment_score":-0.030127758160233498},{"text":"So I've got a nine year old and the twins are almost 16.","start":368.155,"end":372.28,"sentiment":"neutral","sentiment_score":0.09899990145976727},{"text":"I know.","start":381.54,"end":382.12,"sentiment":"neutral","sentiment_score":0.26310405135154724},{"text":"Yeah.","start":385.505,"end":385.82498,"sentiment":"neutral","sentiment_score":0.0042296238243579865},{"text":"No.","start":385.82498,"end":386.065,"sentiment":"neutral","sentiment_score":-0.21513548493385315}],"sentiment":"neutral","sentiment_score":0.08734295568946335,"num_words":18,"start":367.835,"end":386.065},{"sentences":[{"text":"I like to do things the hard way, I guess.","start":386.065,"end":388.32498,"sentiment":"neutral","sentiment_score":-0.25007148683071134},{"text":"So it is just over $1.20 annually.","start":406.08,"end":412.73502,"sentiment":"neutral","sentiment_score":0.008708697876759939},{"text":"But, yeah, part it's pro rata.","start":413.595,"end":415.535,"sentiment":"neutral","sentiment_score":0.01529217961554726},{"text":"I'm doing four days a week.","start":421.355,"end":422.975,"sentiment":"neutral","sentiment_score":0.0551106637964646},{"text":"Yes.","start":444.255,"end":444.755,"sentiment":"neutral","sentiment_score":0.0665038526058197}],"sentiment":"neutral","sentiment_score":-0.06502776900306344,"num_words":30,"start":386.065,"end":444.755},{"sentences":[{"text":"Yeah.","start":451.535,"end":452.035,"sentiment":"neutral","sentiment_score":0.07205073535442352},{"text":"Is that a enterprise agreement?","start":457.74,"end":459.52,"sentiment":"neutral","sentiment_score":0.030320942774415015},{"text":"Is that what that is?","start":460.13998,"end":461.36,"sentiment":"neutral","sentiment_score":0.004659078642725944},{"text":"No.","start":462.69998,"end":463.02,"sentiment":"neutral","sentiment_score":-0.08421957492828369},{"text":"Look.","start":463.02,"end":463.34,"sentiment":"neutral","sentiment_score":-0.06195889785885811}],"sentiment":"neutral","sentiment_score":0.007751720742537425,"num_words":13,"start":451.535,"end":463.34},{"sentences":[{"text":"I don't think so.","start":463.34,"end":464.56,"sentiment":"neutral","sentiment_score":-0.09640470892190933},{"text":"Oh, so they're called Grand Pacific Health?","start":470.175,"end":472.435,"sentiment":"neutral","sentiment_score":0.019753620826772282},{"text":"Yeah.","start":482.59,"end":482.99,"sentiment":"neutral","sentiment_score":0.013713736087083817},{"text":"In May this year.","start":482.99,"end":484.21,"sentiment":"neutral","sentiment_score":0.013643585378304124},{"text":"No.","start":494.28497,"end":494.525,"sentiment":"neutral","sentiment_score":-0.012965218164026735}],"sentiment":"neutral","sentiment_score":-0.011295331203762223,"num_words":17,"start":463.34,"end":494.525},{"sentences":[{"text":"I'm a cultural adviser.","start":494.525,"end":495.985,"sentiment":"neutral","sentiment_score":0.004759261239087209},{"text":"So I support building the cultural capability across the organization and just provide advice on how to, you know, like, engage with Aboriginal communities and, kind yeah.","start":501.72498,"end":513.99,"sentiment":"neutral","sentiment_score":0.08286157043443786},{"text":"Just set up, you know, cultural safety inside of the organization for any existing First Nations staff or any staff that are coming on.","start":513.99,"end":521.93,"sentiment":"neutral","sentiment_score":0.07925460208207369},{"text":"Yeah.","start":523.695,"end":524.015,"sentiment":"neutral","sentiment_score":0.03321008011698723},{"text":"It's pretty interesting role, but it's quite challenging too, I'm finding.","start":524.015,"end":527.935,"sentiment":"neutral","sentiment_score":-0.07812960852276195}],"sentiment":"neutral","sentiment_score":0.049734243030187246,"num_words":67,"start":494.525,"end":527.935},{"sentences":[{"text":"Mhmm.","start":527.935,"end":528.435,"sentiment":"neutral","sentiment_score":-0.0069188326597213745},{"text":"Well, it's not owing that much anymore.","start":549.975,"end":551.915,"sentiment":"neutral","sentiment_score":-0.09137864144785064},{"text":"I think it's maybe 22 owing.","start":552.055,"end":556.395,"sentiment":"neutral","sentiment_score":-0.04494771547615528},{"text":"Oh, that's a really good question.","start":561.9,"end":563.44,"sentiment":"neutral","sentiment_score":0.09839831789334615},{"text":"It I think I got a seven year loan, and that was taken out in November or December in 2022.","start":564.78,"end":573.76,"sentiment":"neutral","sentiment_score":0.05361378714442253}],"sentiment":"neutral","sentiment_score":0.018660250864923,"num_words":40,"start":527.935,"end":573.76},{"sentences":[{"text":"Yeah.","start":584.925,"end":585.325,"sentiment":"neutral","sentiment_score":0.04997427389025688},{"text":"That is a little bit lower.","start":585.325,"end":586.705,"sentiment":"neutral","sentiment_score":0.03132080597182115},{"text":"So one of them should be finished next year, I think.","start":588.75,"end":591.81,"sentiment":"neutral","sentiment_score":0.05854187160730362},{"text":"Oh, actually, they might be finished.","start":593.23,"end":594.51,"sentiment":"neutral","sentiment_score":0.045561899741490684},{"text":"Both of them might be finished next year, but one earlier in the year and then one later in the year.","start":594.51,"end":599.17,"sentiment":"neutral","sentiment_score":0.025025555509186927}],"sentiment":"neutral","sentiment_score":0.03735039470096429,"num_words":45,"start":584.925,"end":599.17},{"sentences":[{"text":"Yeah.","start":604.225,"end":604.625,"sentiment":"neutral","sentiment_score":0.0016787992790341375},{"text":"One's, I think, about 9,000.","start":604.625,"end":606.885,"sentiment":"neutral","sentiment_score":0.0013417174806818364},{"text":"And then the other one oh, I haven't checked this in a little bit.","start":606.945,"end":609.58496,"sentiment":"neutral","sentiment_score":-0.010097397258505225},{"text":"It's probably the same.","start":609.58496,"end":610.725,"sentiment":"neutral","sentiment_score":0.0007556471973657608},{"text":"Yeah.","start":617.38995,"end":617.62994,"sentiment":"neutral","sentiment_score":0.05433335900306702}],"sentiment":"neutral","sentiment_score":-0.003024809085763991,"num_words":25,"start":604.225,"end":617.62994},{"sentences":[{"text":"I think so.","start":617.62994,"end":618.52997,"sentiment":"neutral","sentiment_score":0.08140840878089269},{"text":"Yes.","start":626.58997,"end":627.08997,"sentiment":"neutral","sentiment_score":0.05356495454907417},{"text":"It is per week.","start":631.565,"end":632.78503,"sentiment":"neutral","sentiment_score":0.05564066581428051},{"text":"No.","start":641.5,"end":641.89996,"sentiment":"neutral","sentiment_score":-0.09474876523017885},{"text":"No.","start":641.89996,"end":642.22,"sentiment":"neutral","sentiment_score":-0.09462390840053558}],"sentiment":"neutral","sentiment_score":0.03309801705181599,"num_words":10,"start":617.62994,"end":642.22},{"sentences":[{"text":"I think that's it.","start":642.22,"end":643.36,"sentiment":"neutral","sentiment_score":-0.0890719834715128},{"text":"I paid out all of my zip and, you know, Afterpay stuff.","start":644.37994,"end":647.75995,"sentiment":"neutral","sentiment_score":0.04911033653964599},{"text":"Yeah.","start":651.01996,"end":651.33997,"sentiment":"neutral","sentiment_score":0.1278267800807953},{"text":"They're a pain in the butt.","start":651.33997,"end":652.69995,"sentiment":"neutral","sentiment_score":-0.3271184911330541},{"text":"And it's like the worst cycle to get stuck in, I reckon.","start":652.69995,"end":656.065,"sentiment":"neutral","sentiment_score":-0.2540646679699421}],"sentiment":"neutral","sentiment_score":-0.13287497365048953,"num_words":35,"start":642.22,"end":656.065},{"sentences":[{"text":"No.","start":668.82,"end":669.30005,"sentiment":"neutral","sentiment_score":-0.0675952360033989},{"text":"But I do wanna do that for my kids.","start":669.30005,"end":671.4,"sentiment":"neutral","sentiment_score":0.03133471351530817},{"text":"Okay.","start":686.65497,"end":686.815,"sentiment":"neutral","sentiment_score":0.04397353529930115},{"text":"Okay.","start":686.815,"end":687.315,"sentiment":"neutral","sentiment_score":0.03616465628147125},{"text":"Yes.","start":702.35,"end":702.85,"sentiment":"neutral","sentiment_score":0.023421496152877808}],"sentiment":"neutral","sentiment_score":0.024459759489848062,"num_words":13,"start":668.82,"end":702.85},{"sentences":[{"text":"My citizen.","start":703.07,"end":703.88995,"sentiment":"neutral","sentiment_score":0.0205949442461133},{"text":"Yep.","start":704.39496,"end":704.89496,"sentiment":"neutral","sentiment_score":0.08267175406217575},{"text":"No.","start":713.675,"end":714.175,"sentiment":"neutral","sentiment_score":-0.010648459196090698},{"text":"Mhmm.","start":744.15497,"end":744.65497,"sentiment":"neutral","sentiment_score":0.03638111054897308},{"text":"Yeah.","start":748.16003,"end":748.48004,"sentiment":"neutral","sentiment_score":0.015505078248679638}],"sentiment":"neutral","sentiment_score":0.027516562025994062,"num_words":6,"start":703.07,"end":748.48004},{"sentences":[{"text":"But I think we're more interested in going over to Canada.","start":748.48004,"end":751.22003,"sentiment":"neutral","sentiment_score":0.033843469213355674},{"text":"Yeah.","start":753.12,"end":753.62,"sentiment":"neutral","sentiment_score":0.1435500979423523},{"text":"Probably when the boys can pay for themselves.","start":763.565,"end":765.745,"sentiment":"neutral","sentiment_score":0.008852532599121332},{"text":"I'm kidding.","start":765.885,"end":766.545,"sentiment":"neutral","sentiment_score":-0.011521040461957455},{"text":"So it'll just be a little bit cheaper for me.","start":768.765,"end":773.185,"sentiment":"neutral","sentiment_score":0.0015039032325148583}],"sentiment":"neutral","sentiment_score":0.018082670983858407,"num_words":32,"start":748.48004,"end":773.185},{"sentences":[{"text":"I don't really know.","start":773.245,"end":774.465,"sentiment":"neutral","sentiment_score":-0.058984300121665},{"text":"It's just kind of a goal.","start":775.7,"end":776.98,"sentiment":"neutral","sentiment_score":0.015411612267295519},{"text":"So I reckon maybe three three years.","start":776.98,"end":780.04,"sentiment":"neutral","sentiment_score":0.01690965278872422},{"text":"Yep.","start":780.33997,"end":780.83997,"sentiment":"neutral","sentiment_score":0.07677890360355377},{"text":"No.","start":788.33997,"end":788.58,"sentiment":"neutral","sentiment_score":-0.13981619477272034}],"sentiment":"neutral","sentiment_score":-0.004638802554262311,"num_words":19,"start":773.245,"end":788.58},{"sentences":[{"text":"I haven't even started to think about that.","start":788.58,"end":791.595,"sentiment":"neutral","sentiment_score":-0.16115079540759325},{"text":"Kind of just been, like, focusing on focusing on reducing debt, and then I think my first priority is to either get an investment property or, you know, like, purchase a home.","start":791.815,"end":808.58,"sentiment":"neutral","sentiment_score":0.039239034755155444},{"text":"I did, but I feel like I've I'm having to reassess it again because, you know, the having to reduce my hours to part time has really thrown me and kind of made me, yeah, just think a bit more, I think, strategically, financially.","start":826.275,"end":842.94,"sentiment":"negative","sentiment_score":-0.3821763579987667},{"text":"And so I'm just kind of in the process of doing that now.","start":843.0,"end":845.82,"sentiment":"neutral","sentiment_score":-0.1400780322460028},{"text":"I am like I said, I am hoping to, you know, secure full time employment because I just don't think there's any way I can negotiate that with the organization I'm with, which is a shame.","start":846.395,"end":860.175,"sentiment":"neutral","sentiment_score":-0.0787012746764554}],"sentiment":"neutral","sentiment_score":-0.1616810324104657,"num_words":133,"start":788.58,"end":860.175},{"sentences":[{"text":"But 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know?","start":936.335,"end":936.575,"sentiment":"neutral","sentiment_score":-0.16162316501140594},{"text":"This kind of like the I'll be able to top it up type thing.","start":936.575,"end":941.47504,"sentiment":"neutral","sentiment_score":0.10662855474012238},{"text":"100 percent.","start":945.21,"end":946.27,"sentiment":"neutral","sentiment_score":-0.001874217763543129},{"text":"Yeah.","start":946.57,"end":946.97003,"sentiment":"neutral","sentiment_score":0.06639431416988373}],"sentiment":"neutral","sentiment_score":-0.04977073110640049,"num_words":30,"start":934.255,"end":946.97003},{"sentences":[{"text":"Yeah.","start":946.97003,"end":947.13,"sentiment":"neutral","sentiment_score":0.07245272397994995},{"text":"Yeah.","start":947.13,"end":947.45,"sentiment":"neutral","sentiment_score":0.08363169431686401},{"text":"Exactly.","start":947.45,"end":947.95,"sentiment":"neutral","sentiment_score":0.12069186568260191},{"text":"Because Peter and Paul are the same people, you 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months.","start":1001.77496,"end":1002.595,"sentiment":"neutral","sentiment_score":0.019644243642687798},{"text":"Yep.","start":1013.92,"end":1014.42,"sentiment":"neutral","sentiment_score":0.06262139230966568},{"text":"Yep.","start":1015.51996,"end":1016.01996,"sentiment":"neutral","sentiment_score":0.08966156095266342}],"sentiment":"neutral","sentiment_score":0.035508781438693404,"num_words":24,"start":992.735,"end":1016.01996},{"sentences":[{"text":"Yeah.","start":1031.9401,"end":1032.26,"sentiment":"neutral","sentiment_score":-0.011457378044724464},{"text":"No.","start":1032.26,"end":1032.76,"sentiment":"neutral","sentiment_score":-0.250125914812088},{"text":"I had some the reason I, you know, like, got another loan is because I had additional income and I had support with the rent.","start":1033.06,"end":1040.92,"sentiment":"neutral","sentiment_score":-0.24943248987197875},{"text":"So my, you know, like, my share of the rent was really, really minimal.","start":1041.22,"end":1044.9,"sentiment":"negative","sentiment_score":-0.33418537357023786},{"text":"So I did kind of have this extra money.","start":1044.9,"end":1047.0349,"sentiment":"neutral","sentiment_score":-0.2980366233322356}],"sentiment":"neutral","sentiment_score":-0.27716640759259464,"num_words":50,"start":1031.9401,"end":1047.0349},{"sentences":[{"text":"And then, obviously, circumstances changed, and then it really affected me.","start":1047.255,"end":1051.355,"sentiment":"neutral","sentiment_score":-0.329484377395023},{"text":"Yeah.","start":1060.57,"end":1060.8899,"sentiment":"neutral","sentiment_score":-0.06280568242073059},{"text":"I've learned such really big lessons around money, and I just feel like I wish I knew this stuff earlier.","start":1060.8899,"end":1067.5499,"sentiment":"neutral","sentiment_score":-0.17564407512545585},{"text":"You know, when you're kinda going through the yeah.","start":1069.21,"end":1071.9299,"sentiment":"neutral","sentiment_score":-0.09339564624759886},{"text":"It's the hard the hard bits of it.","start":1071.9299,"end":1073.835,"sentiment":"neutral","sentiment_score":-0.2895446214824915}],"sentiment":"neutral","sentiment_score":-0.21136598212986576,"num_words":49,"start":1047.255,"end":1073.835},{"sentences":[{"text":"Yeah.","start":1079.995,"end":1080.495,"sentiment":"neutral","sentiment_score":0.024811124429106712},{"text":"That's right.","start":1080.635,"end":1081.5349,"sentiment":"neutral","sentiment_score":0.07610644772648811},{"text":"Okay.","start":1122.69,"end":1123.19,"sentiment":"neutral","sentiment_score":-0.04131770506501198},{"text":"Yeah.","start":1143.62,"end":1144.12,"sentiment":"neutral","sentiment_score":-0.09250861406326294},{"text":"I also feel like 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be really great.","start":1294.82,"end":1295.94,"sentiment":"positive","sentiment_score":0.5445994734764099}],"sentiment":"positive","sentiment_score":0.35605321219190955,"num_words":8,"start":1266.95,"end":1295.94},{"sentences":[{"text":"Are we able to because my daughter and I have been talking about purchasing a property together, my oldest daughter and I.","start":1295.94,"end":1304.0399,"sentiment":"neutral","sentiment_score":0.25629331239245157},{"text":"And so is there any way to no.","start":1304.485,"end":1307.605,"sentiment":"neutral","sentiment_score":-0.021718211006373167},{"text":"No.","start":1307.605,"end":1307.9249,"sentiment":"neutral","sentiment_score":-0.08557671308517456},{"text":"So I've got an older one.","start":1307.9249,"end":1308.965,"sentiment":"neutral","sentiment_score":-0.04544310364872217},{"text":"She's 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no.","start":1695.985,"end":1696.645,"sentiment":"neutral","sentiment_score":-0.12463006377220154},{"text":"Yeah.","start":1724.1849,"end":1724.6849,"sentiment":"neutral","sentiment_score":0.021894367411732674},{"text":"Okay.","start":1738.7101,"end":1739.2101,"sentiment":"neutral","sentiment_score":0.05693714693188667}],"sentiment":"neutral","sentiment_score":-0.040233900072053075,"num_words":8,"start":1639.5951,"end":1739.2101},{"sentences":[{"text":"Okay.","start":1757.5,"end":1758.0,"sentiment":"neutral","sentiment_score":0.04664497449994087},{"text":"Yep.","start":1806.875,"end":1807.375,"sentiment":"neutral","sentiment_score":-0.044364213943481445},{"text":"Mhmm.","start":1829.0349,"end":1829.5349,"sentiment":"neutral","sentiment_score":0.07145202159881592},{"text":"Mhmm.","start":1833.2749,"end":1833.7749,"sentiment":"neutral","sentiment_score":0.03748539462685585},{"text":"Okay.","start":1877.88,"end":1878.38,"sentiment":"neutral","sentiment_score":-0.03528587520122528}],"sentiment":"neutral","sentiment_score":0.015186460316181183,"num_words":5,"start":1757.5,"end":1878.38},{"sentences":[{"text":"Yep.","start":1899.4,"end":1899.9,"sentiment":"neutral","sentiment_score":0.11496107280254364},{"text":"Yeah.","start":1903.96,"end":1904.46,"sentiment":"neutral","sentiment_score":0.1821151077747345},{"text":"I'm supportive of that, but thank you.","start":1904.52,"end":1906.86,"sentiment":"positive","sentiment_score":0.37999196563448223},{"text":"Okay.","start":1948.965,"end":1949.465,"sentiment":"neutral","sentiment_score":0.03264882415533066},{"text":"Okay.","start":1979.65,"end":1980.15,"sentiment":"neutral","sentiment_score":0.1663311868906021}],"sentiment":"neutral","sentiment_score":0.28690908646041696,"num_words":11,"start":1899.4,"end":1980.15},{"sentences":[{"text":"Mhmm.","start":1983.41,"end":1983.91,"sentiment":"neutral","sentiment_score":-0.015202874317765236},{"text":"No.","start":1993.545,"end":1993.865,"sentiment":"neutral","sentiment_score":0.098439559340477},{"text":"That's really great.","start":1993.865,"end":1994.745,"sentiment":"positive","sentiment_score":0.3612387577692668},{"text":"I've been no.","start":1994.745,"end":1996.585,"sentiment":"neutral","sentiment_score":0.060470721373955406},{"text":"That's really great actually because I've been wanting to touch base with you guys about my superannuation because I keep and I don't know, you know, like, I don't know much about stocks or anything, but I do kind of take notice of what's going on and what's being said on social media.","start":1996.585,"end":2011.26,"sentiment":"neutral","sentiment_score":0.3296952645452517}],"sentiment":"neutral","sentiment_score":0.30856088759591344,"num_words":61,"start":1983.41,"end":2011.26},{"sentences":[{"text":"So I just kind of wanted to check-in with you guys to make sure that, you know, like, where my, I guess yeah.","start":2011.26,"end":2020.195,"sentiment":"positive","sentiment_score":0.38805483087249426},{"text":"Where my superannuation is held is kind of safe and, you know, is the investments pulling returns and things like that.","start":2020.195,"end":2030.4349,"sentiment":"positive","sentiment_score":0.38498855630556744},{"text":"So happy happy for this yep.","start":2030.4349,"end":2033.735,"sentiment":"positive","sentiment_score":0.43010363727808},{"text":"Yep.","start":2035.8,"end":2036.3,"sentiment":"neutral","sentiment_score":0.1698506325483322},{"text":"Yeah.","start":2087.5552,"end":2087.875,"sentiment":"neutral","sentiment_score":0.10486416518688202}],"sentiment":"positive","sentiment_score":0.38202610411323035,"num_words":52,"start":2011.26,"end":2087.875},{"sentences":[{"text":"That should work.","start":2087.875,"end":2088.935,"sentiment":"neutral","sentiment_score":0.14702264964580536},{"text":"That's alright.","start":2097.48,"end":2098.12,"sentiment":"neutral","sentiment_score":-0.15692748874425888},{"text":"Do we need to sorry.","start":2098.12,"end":2099.32,"sentiment":"neutral","sentiment_score":-0.14500518292188644},{"text":"Are we having a face are we have will we be having a conversation again on the third of it?","start":2099.32,"end":2105.26,"sentiment":"neutral","sentiment_score":0.0036832116078585387},{"text":"Okay.","start":2117.295,"end":2117.6948,"sentiment":"neutral","sentiment_score":0.022496473044157028}],"sentiment":"neutral","sentiment_score":-0.016182330256748582,"num_words":31,"start":2087.875,"end":2117.6948},{"sentences":[{"text":"Can we lock in the twenty eighth?","start":2117.6948,"end":2120.64,"sentiment":"neutral","sentiment_score":0.013657231016882829},{"text":"Yeah.","start":2123.5198,"end":2123.76,"sentiment":"neutral","sentiment_score":0.13942599296569824},{"text":"Monday.","start":2123.76,"end":2124.16,"sentiment":"neutral","sentiment_score":0.19261988997459412},{"text":"Awesome.","start":2124.16,"end":2124.66,"sentiment":"positive","sentiment_score":0.42651963233947754},{"text":"Yeah.","start":2125.5198,"end":2125.8398,"sentiment":"neutral","sentiment_score":0.20487496256828308}],"sentiment":"neutral","sentiment_score":0.09627646317874844,"num_words":11,"start":2117.6948,"end":2125.8398},{"sentences":[{"text":"Afternoon's perfect.","start":2125.8398,"end":2126.9,"sentiment":"positive","sentiment_score":0.3516623079776764},{"text":"Anytime after anytime after 01:30 works for me.","start":2128.0798,"end":2133.0598,"sentiment":"neutral","sentiment_score":0.12428898364305496},{"text":"Cool.","start":2138.2952,"end":2138.5352,"sentiment":"positive","sentiment_score":0.4565458595752716},{"text":"Thank you.","start":2138.5352,"end":2139.355,"sentiment":"positive","sentiment_score":0.5353001654148102},{"text":"Okay.","start":2168.4448,"end":2168.9448,"sentiment":"neutral","sentiment_score":0.1002972275018692}],"sentiment":"neutral","sentiment_score":0.23750570735761098,"num_words":14,"start":2125.8398,"end":2168.9448},{"sentences":[{"text":"K.","start":2176.24,"end":2176.74,"sentiment":"neutral","sentiment_score":0.09912504255771636},{"text":"Okay.","start":2202.595,"end":2203.095,"sentiment":"neutral","sentiment_score":0.2414308190345764},{"text":"Okay.","start":2216.65,"end":2217.05,"sentiment":"neutral","sentiment_score":0.2150586843490601},{"text":"No worries.","start":2217.05,"end":2217.61,"sentiment":"neutral","sentiment_score":0.2912939041852951},{"text":"Thank you so much.","start":2217.61,"end":2218.67,"sentiment":"positive","sentiment_score":0.589513286948204}],"sentiment":"positive","sentiment_score":0.3884728335671955,"num_words":9,"start":2176.24,"end":2218.67},{"sentences":[{"text":"No.","start":2224.115,"end":2224.615,"sentiment":"neutral","sentiment_score":0.014504380524158478},{"text":"Alright.","start":2233.98,"end":2234.38,"sentiment":"neutral","sentiment_score":0.2395983785390854},{"text":"No worries.","start":2234.38,"end":2234.94,"sentiment":"neutral","sentiment_score":0.31718429923057556},{"text":"You have a good rest of your day.","start":2234.94,"end":2240.3,"sentiment":"positive","sentiment_score":0.4615800613537431},{"text":"Yeah.","start":2241.26,"end":2241.42,"sentiment":"neutral","sentiment_score":0.14750999212265015}],"sentiment":"positive","sentiment_score":0.36374014157515305,"num_words":13,"start":2224.115,"end":2241.42},{"sentences":[{"text":"I'm the same.","start":2241.42,"end":2242.32,"sentiment":"neutral","sentiment_score":0.22564726074536642},{"text":"You too.","start":2242.6199,"end":2243.18,"sentiment":"positive","sentiment_score":0.3602554351091385},{"text":"Bye.","start":2243.18,"end":2243.68,"sentiment":"neutral","sentiment_score":0.1936201453208923},{"text":"Bye.","start":2245.9,"end":2246.4,"sentiment":"neutral","sentiment_score":-0.12690040469169617}],"sentiment":"neutral","sentiment_score":0.20916748472622462,"num_words":7,"start":2241.42,"end":2246.4}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Carlene speaking.\n\nChannel 0: Hi, Kylene. Larissa, Oakview Financial. How are you going?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Yeah. Really, really good. Thank you.\n\nChannel 1: That's\n\nChannel 0: I was\n\nChannel 1: good.\n\nChannel 0: giving you a call to I was giving you a call today so we could go through your annual review and just have a bit of a touch base. Now still\n\nChannel 1: Yeah.\n\nChannel 0: perfect time?\n\nChannel 1: Yeah. That's a good time.\n\nChannel 0: Awesome. Well, before I jump into it, I do need to let you know that our calls are recorded. And then if I could just get you to confirm security for me, just full name, date of birth, and address.\n\nChannel 1: Sure. So it's Kylene Knowles Randall, sixty third nineteen eighty four, and I'm at 5 Storksfield Terrace in Charley, New South Wales.\n\nChannel 0: Perfect. Alright. So first and foremost, the one the thing I wanted to sort of, I guess, touch base on, firstly, was in December, Dana, your adviser, went through and did a recommendation to increase your income protection cover that you currently hold with Clearview\n\nChannel 1: Yes.\n\nChannel 0: because of the increase to your income up to the $130,000 mark. I know my team's been trying to get in contact with you just to go through that application and get that going. Was that something you were still wanting to go ahead with? Or\n\nChannel 1: No. Because my I've now like, I'm now part time, so my salary has dropped.\n\nChannel 0: okay.\n\nChannel 1: Yeah. Because\n\nChannel 0: Are you\n\nChannel 1: I'm\n\nChannel 0: intending\n\nChannel 1: part\n\nChannel 0: on\n\nChannel 1: time.\n\nChannel 0: staying are you intending on staying part time for a long period of time? Like, should we look at maybe reducing instead of increasing? Or\n\nChannel 1: No. I am in the process of looking for a new role because part time is insufficient for me.\n\nChannel 0: Yes. That's\n\nChannel 1: So, yeah, I just think maybe if we could hold off on having this conversation, that would probably be the best, I think,\n\nChannel 0: yeah. No.\n\nChannel 1: for\n\nChannel 0: That's\n\nChannel 1: now.\n\nChannel 0: okay. Alright. Perfect. Well, you're are you still you're still with the same employer? Because I you were you're a project a program manager.\n\nSorry.\n\nChannel 1: Yeah. Well, no. I'm with a new organization now. And so when I\n\nChannel 0: Oh,\n\nChannel 1: first\n\nChannel 0: okay.\n\nChannel 1: started with them, I was employed full time, but they made me drop, you know, like, two days because I have I started my masters.\n\nChannel 0: Yep.\n\nChannel 1: Just started university. Yeah.\n\nChannel 0: That's well done. I\n\nChannel 1: Thank you.\n\nChannel 0: with three kids. I've I've I've done it myself, but it it's a killer. Absolute\n\nChannel 1: It\n\nChannel 0: killer.\n\nChannel 1: is, isn't it? Yeah.\n\nChannel 0: Yes. I I actually don't recommend, but I'm proud of you for doing it, going back and getting it done.\n\nChannel 1: I know. I was like, what have I\n\nChannel 0: Yep.\n\nChannel 1: done? But it's okay. I hope I think, you know, when there's assessment dues\n\nChannel 0: Yep.\n\nChannel 1: and stuff, I just kinda feel lots of pressure. And I just got real present to like, I need to be organized, like, kind of, you know, winning stuff. I feel like I've done most of my life and just making\n\nChannel 0: Yeah.\n\nChannel 1: shit happen. I feel like I need to be a bit more organized,\n\nChannel 0: Yeah.\n\nChannel 1: you know, with my masters. So it's making me grow up in different ways.\n\nChannel 0: That's fair. No. Look. I I started my masters ten years after I finished an undergrad, and in that ten years, I've had three kids. And I think the the the biggest point that I took away from doing my master's was, while I absolutely had to do it, it was an a massive juggle to get it done.\n\nAnd now that I'm stabilized, no longer studying, I look back and go, well, you know what? If I could do three kids and a master's and work, I can do anything. So,\n\nChannel 1: That's kinda\n\nChannel 0: you know\n\nChannel 1: how I am too.\n\nChannel 0: yeah. It's it's pretty chill now. It's it's just work and kids. There's no studies, so it's fine. What am I complaining\n\nChannel 1: Yeah.\n\nChannel 0: about?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. Well, that's good. So how long until you finish the masters?\n\nChannel 1: Oh, because I only just started this year, so I'm really only into the first semester. And because I'm doing it part time, it I think it's gonna be four years because the you\n\nChannel 0: Yep.\n\nChannel 1: know, to do it full time is two years.\n\nChannel 0: Yes. Yep. Alright. That's okay. So\n\nChannel 1: And\n\nChannel 0: we'll\n\nChannel 1: I thought\n\nChannel 0: we'll be\n\nChannel 1: initially, I was like, yeah. I can work full time, and I can raise three kids, and I can, you know, like, study full time. And then I was like, you know what? I reckon that's probably\n\nChannel 0: Yeah.\n\nChannel 1: self sabotage. So I'm gonna enroll in part time, and so I just did that. And it's like, the balance is really well. Like, it's great for me. But, yeah, I was because I still do have a bit of capacity, so I was hoping that I could do full time work.\n\nBut, yeah, the organization I'm with doesn't really support that. So it's a\n\nChannel 0: Right.\n\nChannel 1: bit frustrating.\n\nChannel 0: A little little bit. Just a touch.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Perfect. Okay. So, ultimately speaking, I guess what today's conversation is is to, I guess, have a look at where things sit right now and whether there's any movement that we could or should make to your account, your overall goals, your position as a whole, and sort of, I guess, establish a a baseline for things again. It's just a good health check as we go through to make sure that everything is swimming along well. Now I I'll run through a few things that I have on file, and then you can fill in any gaps as we go through just so that way my records are up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: Mhmm. I'm just getting the computer to do what I need it to do, though. There it is. Sorry. I pressed the button and everything disappeared.\n\nSo I obviously have you your your address and and contact date details still accurate. The the three kids, can I ask, how old are are they all?\n\nChannel 1: Mhmm. So I've got a nine year old and the twins are almost 16.\n\nChannel 0: Beautiful. Oh, that's that's just another layer of fun to add onto the top of that because they'll be starting to drive.\n\nChannel 1: I know.\n\nChannel 0: And it's double the fun with two of them.\n\nChannel 1: Yeah. No. I like to do things the hard way, I guess.\n\nChannel 0: Yes. You really do, don't you? Word. Okay. So nine and sixteen.\n\nAnd then with your new role, what's what's your income looking like at the moment?\n\nChannel 1: So it is just over $1.20 annually. But, yeah, part it's pro rata.\n\nChannel 0: Okay. Okay. So that's $1.20 is the base rate, and then you're doing three days a week.\n\nChannel 1: I'm doing four days a week.\n\nChannel 0: Okay. And that's so that would be cool. Because this divided by and the normal normal work is, like, five five, four days?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Cool. So rough income would be around that $96,000 a year mark based on the part time role.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. And do you have a EBA with that employer?\n\nChannel 1: Is that a enterprise agreement?\n\nChannel 0: Yes.\n\nChannel 1: Is\n\nChannel 0: Yeah.\n\nChannel 1: that what\n\nChannel 0: Employer\n\nChannel 1: that is?\n\nChannel 0: bargaining, enterprise. Yeah. Anything like\n\nChannel 1: No.\n\nChannel 0: that.\n\nChannel 1: Look.\n\nChannel 0: And\n\nChannel 1: I don't think so.\n\nChannel 0: perfect. And who who is the employer that you're working for now?\n\nChannel 1: Oh, so they're called Grand Pacific Health?\n\nChannel 0: Perfect. And you started with them within the last twelve months or\n\nChannel 1: Yeah. In May this year.\n\nChannel 0: so? Yeah. Cool. And then you're still are you you're still sort of, like, a program manager within that role? Or\n\nChannel 1: No. I'm a cultural adviser.\n\nChannel 0: what do you do under that?\n\nChannel 1: So I support building the cultural capability across the organization and just provide advice on how to, you know, like, engage with Aboriginal communities and, kind yeah. Just set up, you know, cultural safety inside of the organization for any existing First Nations staff or any staff that are coming on.\n\nChannel 0: Okay. Cool.\n\nChannel 1: Yeah. It's pretty interesting role, but it's quite\n\nChannel 0: Yeah.\n\nChannel 1: challenging too, I'm finding. Mhmm.\n\nChannel 0: No. Definitely. Perfect. Now assets and and liabilities wise, I know we have the the car, around $50,000 worth of value and about 28,000 owing. Is that still correct?\n\nChannel 1: Well, it's not owing that much anymore. I think it's maybe 22 owing.\n\nChannel 0: Perfect. Do you know do you know when the the loan is like, that term?\n\nChannel 1: Oh, that's a really good question. It I think I got a seven year loan, and that was taken out in November or December in 2022.\n\nChannel 0: Okay. Cool. Alright. Good good to know. And then you had a personal loan as well for about 30,000, which I'm assuming is a little bit lower now.\n\nChannel 1: Yeah. That is a little bit lower. So one of them should be finished next year, I think. Oh, actually, they might be finished. Both of them might be finished next year, but one earlier in the year and then one later in the year.\n\nChannel 0: Okay. Do you know what the rough value of the loans are?\n\nChannel 1: Yeah. One's, I think, about 9,000. And then the other one oh, I haven't checked this in a little bit. It's probably the same.\n\nChannel 0: K. Perfect. And they both terminate sort of within the next twelve months or so.\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Beautiful. And then rent, is your rent still around that $96.90? Sorry.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. I'm assuming that's per week.\n\nChannel 1: It is per week.\n\nChannel 0: Awesome. Are are there any other assets or liabilities that I haven't covered?\n\nChannel 1: No. No.\n\nChannel 0: Nope.\n\nChannel 1: I think that's it.\n\nChannel 0: Good.\n\nChannel 1: I paid\n\nChannel 0: Cool.\n\nChannel 1: out all of my zip and, you know, Afterpay stuff.\n\nChannel 0: Yep. Good. Good.\n\nChannel 1: Yeah. They're\n\nChannel 0: Perfect.\n\nChannel 1: a pain in the butt. And it's like\n\nChannel 0: I know.\n\nChannel 1: the worst cycle to get stuck in, I reckon.\n\nChannel 0: It is very much so. Now just with regards to estate planning side of things, did you have a a will, power of attorney document at all that you've drawn up?\n\nChannel 1: No. But I do wanna do that for my kids.\n\nChannel 0: Yeah. Okay. Well, we can definitely talk about how we can, like, establish those documents during today's call. And we can talk about cost effective ways and no. Not cost effective ways.\n\nChannel 1: Okay. Okay.\n\nChannel 0: And with respect to, like, just your like, tax jurisdiction, citizenship, stuff like that, are you you're are you're a Australian citizen or a resident?\n\nChannel 1: Yes. My\n\nChannel 0: Citizen?\n\nChannel 1: citizen. Yep.\n\nChannel 0: Perfect. Alright. Amazing. And we've never been declared bankrupt or gone into a a debt agreement at all?\n\nChannel 1: No.\n\nChannel 0: Yep. Amazing. Cool. Alright. That just covers that off.\n\nNow with respect to your your goals, previously, what you were working towards was paying off the car loan and the debts and then possibly looking at, like, first home super saver scheme to be able to look towards a first home. And then, you know, further down the line, investment properties, family holidays, you're wanting to go overseas to The United States.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that still what we're aiming towards, or do we have any\n\nChannel 1: Yeah.\n\nChannel 0: other\n\nChannel 1: But\n\nChannel 0: goals\n\nChannel 1: I think\n\nChannel 0: that we're\n\nChannel 1: we're\n\nChannel 0: looking\n\nChannel 1: more\n\nChannel 0: at?\n\nChannel 1: interested in going over to Canada.\n\nChannel 0: Nice.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have a timeline on what you when you wanna do that?\n\nChannel 1: Probably when the boys can pay for themselves. I'm kidding. So it'll just be a little bit cheaper for me. I don't really know. It's just\n\nChannel 0: So it's\n\nChannel 1: kind\n\nChannel 0: like\n\nChannel 1: of\n\nChannel 0: a\n\nChannel 1: a goal.\n\nChannel 0: five\n\nChannel 1: So I\n\nChannel 0: plus.\n\nChannel 1: reckon maybe three three\n\nChannel 0: Yeah.\n\nChannel 1: years. Yep.\n\nChannel 0: Okay. Perfect. Do you know what you what you'll need to sort of save to do that trip or what it's gonna cost for the four of you to go?\n\nChannel 1: No. I haven't even started to think about that. Kind of just been, like, focusing on focusing on reducing debt, and then I think my first priority is to either get an investment property or, you know, like, purchase a home.\n\nChannel 0: Yeah. Okay. So I guess there's there's a couple of different directions we can head with that goal. So do you have, like, a personal budget that you operate by? Or, like, it doesn't even have to be something written down, but something that you you sort of operate internally with.\n\nChannel 1: I did, but I feel like I've I'm having to reassess it again because, you know, the\n\nChannel 0: Yep.\n\nChannel 1: having to reduce my hours to part time has really thrown me and kind of made me, yeah, just think a bit more, I think, strategically, financially. And so I'm just kind of in the process of doing that now.\n\nChannel 0: Okay.\n\nChannel 1: I am like I said, I am hoping to, you know, secure full time employment\n\nChannel 0: Yeah.\n\nChannel 1: because I just don't think there's any way I can negotiate that with the organization I'm with, which is\n\nChannel 0: Yep.\n\nChannel 1: a shame. But yeah.\n\nChannel 0: Okay. Because what I what I can sort of see, I guess, from just just a little bit we've talked about is, I guess, first and foremost, within the next twelve months, you're gonna have the two personal loan repayments free up. So\n\nChannel 1: Yep.\n\nChannel 0: what that's gonna mean and that, obviously, depending on how much that is that you pay per pay cycle, that's money that can be allocated to one of the two goals you had. Now you've already indicated that buying a house is a higher priority than the holiday,\n\nChannel 1: Yeah.\n\nChannel 0: being that it's priority number one. So, essentially speaking, what that means is we could look at doing first time super saver scheme style, investing to put that money away for for the home or you, you know, put it into an investment account or we look at, you know, just having, like, a a decently high high savings account personally. It just, like, I guess, depends on whether you feel you need the funds liquid or whether you need, you know, or whether you're comfortable to put that money away and not be able to touch it.\n\nChannel 1: I think, no.\n\nChannel 0: So that\n\nChannel 1: I'm\n\nChannel 0: way\n\nChannel 1: not comfortable doing that because\n\nChannel 0: yeah.\n\nChannel 1: I know that expenses come up. And then I'm like, oh, I've just got this sitting here. You know? This kind of like the I'll be able to top it up type thing.\n\nChannel 0: Yeah. I'll borrow from Peter, and I'll pay Paul back eventually, but Paul\n\nChannel 1: 100\n\nChannel 0: never gets paid\n\nChannel 1: percent. Yeah. Yeah. Yeah. Exactly.\n\nChannel 0: Yep.\n\nChannel 1: Because Peter and Paul are the same people, you know.\n\nChannel 0: Yeah. Correct.\n\nChannel 1: It's\n\nChannel 0: They\n\nChannel 1: a\n\nChannel 0: they\n\nChannel 1: bit\n\nChannel 0: definitely\n\nChannel 1: crazy.\n\nChannel 0: are. Yeah. Yeah. But some some would say they're friends, but they're not. They're the same person.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: That's\n\nChannel 0: That's\n\nChannel 1: right.\n\nChannel 0: do you know how much you pay for your loans each pay cycle?\n\nChannel 1: Oh, it's a lot of money. So my car loan is $4.53 a fortnight. And then one of the personal loans, the one that will be paid out early next year, I think it's I\n\nChannel 0: Yep.\n\nChannel 1: hope it's early next year, is around $3.17 a fortnight. And then my a n zed is $2.50 a fortnight, I think. So\n\nChannel 0: 2\n\nChannel 1: that's where\n\nChannel 0: 50.\n\nChannel 1: most of my money goes. Three months.\n\nChannel 0: Yeah. That's fair. Because that's essentially a thousand dollars a fortnight that's going\n\nChannel 1: Yep.\n\nChannel 0: towards the loans.\n\nChannel 1: Yep.\n\nChannel 0: Now realistically speaking, the $2.50 and the $3.17, if that's freed up next year, that gives you 5 hun that that gives you more than half of that amount, I guess, back to you.\n\nChannel 1: Yeah. No. I had some the reason I, you know, like, got another loan is because I had additional income and I had support with the rent. So my, you know, like, my share of the rent was really, really minimal. So I did kind of have this extra money.\n\nAnd then, obviously, circumstances changed, and then it really affected me.\n\nChannel 0: Yeah. We we make the decisions based on a financial position at one time, and the financial position changes.\n\nChannel 1: Yeah. I've learned such really big lessons around money, and I just feel like I wish I knew this stuff earlier. You know, when you're kinda going through the yeah. It's the hard the hard bits of it.\n\nChannel 0: Yep. Yeah. The role of it all, and we we don't quite know what we don't know.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yeah. Okay. Well, it's not unobtainable, because realistically speaking, you've been doing without the money on the personal loan for a while. Like, the money that you're putting towards the personal loan, you've been doing that for a while anyway. So what we could do is we could allocate a portion of that when the loans come up towards saving for a house, and we could utilize the first time 60% scheme as a possible methodology to do that, which it does lock the money away from you while it in because it's a a use of your superannuation fund, but it locks the money away from you for a while to be able to utilize an account that you can't touch.\n\nSo there's\n\nChannel 1: Okay.\n\nChannel 0: no Peter Paul scenario, and it gives you, I guess, that that capacity to be able to do that. The the biggest issue I I I guess I'm currently running into is knowing exactly when those loans come up so we can, I guess, structure how to get that set up? So if you're able to look up the date, it doesn't\n\nChannel 1: Yeah.\n\nChannel 0: have to be now.\n\nChannel 1: I\n\nChannel 0: It\n\nChannel 1: also\n\nChannel 0: can you\n\nChannel 1: feel\n\nChannel 0: know?\n\nChannel 1: like yeah. I also feel like I honestly do feel like I'll have a different financial position by the end of the year as well. Like, I had\n\nChannel 0: Yes.\n\nChannel 1: a job interview a couple of weeks ago, and that was for a much higher pay scale, that role. And I'm just waiting to hear back from that. So I feel like once I hear back from that, I'll be able to be a bit more clear with you on dates and, you know, because I'll be able to increase your payments just to make sure that they're done and dusted, you know, quicker. And and then make and also, hopefully, look at being able to put some money aside for that, yeah, home guarantee thing.\n\nChannel 0: Yeah. Yeah. Alright. That's okay. We can always circle back in six months' time, and we can kind of readdress it then, which will give us, I guess, a little bit more flexibility knowledge on the way forward as well.\n\nBut I think the the biggest thing for you probably at the moment, which is the change of circumstances and where things are going, is when those loans do come up, it's probably definitely building yourself a nice buffer in your cash flow. So having a bit of a savings account where you can have that, I guess, incidentals sitting there to deal with things that do pop up. So that way you're\n\nChannel 1: Yeah.\n\nChannel 0: not, I guess, constantly chasing your tail, finding yourself in the in the realm of needing to get a personal loan to\n\nChannel 1: Yeah.\n\nChannel 0: cover something.\n\nChannel 1: Yeah. 100%.\n\nChannel 0: And that's just the time. It's just it's we know it's coming. It's just we have to wait that time out and get those loans paid off. Absolutely, higher higher income's gonna help clear that off. But at the moment, we just, I guess, put along.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: I guess today, we can sort of focus on where things are at with your super fund. Obviously, I'll cancel the insurance at at the moment, and we can circle back to that towards the beginning of next year when maybe maybe we could sort of put a six month calendar date in for that\n\nChannel 1: Yep.\n\nChannel 0: March period where we touch base, have a conversation about where things sit now, where your income is, whether we do need to still go ahead with the increase on the insurance application for the income protection,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: and we can look at possible other savings avenues for getting that priority one goal. Like, actually start working towards it properly and not just it's a segment of our imagination or it's something we wanna achieve. We can actually start putting steps in place to achieve it.\n\nChannel 1: Yeah. That'd be really great. Are we able to because my daughter and I have been talking about purchasing a property together, my oldest daughter and I. And so\n\nChannel 0: They're\n\nChannel 1: is\n\nChannel 0: not\n\nChannel 1: there\n\nChannel 0: 16\n\nChannel 1: any way\n\nChannel 0: year\n\nChannel 1: to\n\nChannel 0: old?\n\nChannel 1: no. No. So I've got an older one. She's 25.\n\nChannel 0: Oh, okay. So we have 25, 16, 16, and nine. Cool. Cool. Cool.\n\nChannel 1: Yeah. Yep. And so her yeah. Her and I have been talking for some time about it, and I feel like I did say to her a couple of years ago, oh, you should talk to these guys. I was talking about you guys, and I was like, they can help you with your financial planning and, you know, insurances and all of this stuff.\n\nI was like, it's really good to learn about this stuff while you're young. And because she's got secure employment. You know? She's with the public service. Just\n\nChannel 0: Yeah.\n\nChannel 1: taking a bit of a gap year this year to study. But, yeah, I just feel like is there any way that her and I can have a conversate like, a joint conversation about the home, you know, the home situation, or does it kind of need to be done me by myself?\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: No. Absolutely. We can what we can do is we can do so there's there's one or two ways we can do it. I can have a conversation with her about just her and get, I guess, that baseline side thing like, side done exactly, like, as we've done for you. Exactly as we've done for you where we can, I guess, look at her super, her insurances, look at, you know, putting some budget planning together if she hasn't already looked at that previously, get that side of things, I guess, set up?\n\nAnd then come March, she'll be sort of in a similar position to you where she'll have a little bit more knowledge behind her belt. We'll have sorted that base baseline out, gotten a budget in place if she doesn't have one already, and then we'll be able to have a joint conversation in March. So that's option one. Option two is we can have a joint conversation, you, her, and us, and I can just either segment it to just the topics you're wanting to, so the scope of advice you wanna look at, which is\n\nChannel 1: Mhmm.\n\nChannel 0: joint budgeting and house planning advice, and then look at addressing her stuff later, or I can amalgamate it into the piece of advice with you guys joint. It just becomes\n\nChannel 1: Yeah.\n\nChannel 0: really\n\nChannel 1: Right.\n\nChannel 0: messy when I'm looking at her her very specific like, her super her insurance is her. It's not it\n\nChannel 1: Yep.\n\nChannel 0: has nothing to do with you.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But the budgeting, house planning, house purchase is where like, is the joint piece of advice. So, essentially speaking, she would end up with sort of two pieces of advice in the same area. One would be you and her, and one would be just her. And\n\nChannel 1: Okay.\n\nChannel 0: it's\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Okay.\n\nChannel 0: totally up to you guys how you wanna do it. I'm happy to connect with her now ish. I'm not saying today, but now and sort of get things moving. And even if it's just a touch base, hey. This is what we do.\n\nThis is what we charge. This is how we operate. Do you wanna talk now or do you wanna talk later and go from there? And you can either pass our contact details on, or if you want, you can give me her her name, phone number, email address, and I can reach out to her and be like, hey. Mumsy gave me your details and\n\nChannel 1: Yeah.\n\nChannel 0: blah blah blah.\n\nChannel 1: Yeah. Well, I'm catching up with her this weekend, so I'll have a yarn to her about it and then see what she reckons. But and then I'll I might just pass your details on to her.\n\nChannel 0: Yeah. I can pop it all\n\nChannel 1: Yeah.\n\nChannel 0: in an email for you so that way\n\nChannel 1: Oh,\n\nChannel 0: you have\n\nChannel 1: yeah.\n\nChannel 0: something\n\nChannel 1: That'd\n\nChannel 0: to talk\n\nChannel 1: be\n\nChannel 0: about and\n\nChannel 1: great.\n\nChannel 0: you can just respond to it. Yeah.\n\nChannel 1: Yeah. That would be great.\n\nChannel 0: Perfect. Alright. Well, I guess, what what I what I have to go through today is I'm just trying to pull it up because I dropped it. Silly. What I have to go through today is, I guess, what's called your annual review.\n\nSo it's\n\nChannel 1: Yep.\n\nChannel 0: where we go through your, like, your account as it currently stands, and I I have, like, a bit of a review pack for you of just documents that shows the performance, how things are are situated. We can kinda talk about where the investments lie with your account currently and whether there's any possible movements that I can identify you wanna look at incorporating in the account.\n\nChannel 1: Okay.\n\nChannel 0: I'm just trying to bring it up, and it's being a pain. Because computers are friends today.\n\nChannel 1: Yeah. No. I have the same problem. I've we're traveling for an eighteenth, and I've been trying to recover photos from old laptops and desktops. And it's like, my office is crazy at the moment.\n\nIt's just got laptops and old desktops everywhere because, you know, you can't throw anything out. Jeez. Well, I can't anyway.\n\nChannel 0: No. Not at all. Oh, I get it.\n\nChannel 1: Crazy. And I you know, like, I did live out I did live remotely for ages. So I was like, oh, I'll, you know, like, get all of the photos and everything I need extracted off, you know, these laptops so I can dispose of them when I moved to a city. And I've been here for nearly two\n\nChannel 0: No.\n\nChannel 1: years now, and I still haven't done it. Anyways, I'll get around to it.\n\nChannel 0: No. I I get it. Sometimes life just takes takes precedent, and you just end up with a bunch of doc a bunch of of of extra stuff\n\nChannel 1: Yeah.\n\nChannel 0: lying\n\nChannel 1: Yeah.\n\nChannel 0: around and\n\nChannel 1: Yeah.\n\nChannel 0: nothing.\n\nChannel 1: I know. It's I'm looking.\n\nChannel 0: Oh, okay. Well, it's I don't know what's happening with the computer, but it's being a pain. But I'll I'll I'll be able to send them to you at the conclusion. I'm just it's not sending to you for some ungodly reason, but I'll go through the documents with you, and\n\nChannel 1: Yep.\n\nChannel 0: and we can go and and I'll I'll work out what's happening and get them sent. But the essentially speaking, you're you're Nothing's working. Everything's frozen. If everything's broken, Kylene.\n\nChannel 1: Oh, no.\n\nChannel 0: There we go. Your your Hub twenty four account stands at, like, a $128,000 today. The insurance that you hold has increased a little bit since we last spoke to you, just the CPI when it went through its renewal. So it's increased, and the life insurance stands at $701,045. PPD\n\nChannel 1: Yeah.\n\nChannel 0: or total permanent facility is the same. The income protection stands at $7,352 a month, and it's got a 30 day wait, five year benefit period.\n\nChannel 1: Okay.\n\nChannel 0: Now, realistically speaking, with respect to your your investments within the your your superannuation fund, I have identified a couple of areas that we probably do need to look at making some movements on.\n\nChannel 1: Okay.\n\nChannel 0: And they sort of so two of the accounts, they're managed funds. One of them, the performance hasn't been fantastic, specifically with regards to the fee that they charge in the underlying investment. So what I wanna do is I'm not trying to chase performance, but I'm just trying to kind of, I guess, clean it up a little bit to get a better underlying cost base to the overall portfolio, so the overall investments, while also looking at sort of at least trying to to get some decent investment returns happening. The Benelong so it's a it's a Benelong investment. It was tracking really, really well a few years ago, but it's just been hit.\n\nLike, the Australian market got hit a little bit, and it just hasn't quite bounced back the way I'd like it to.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanna do is basically offload that investment and look at alternatives within the Australian equities market that we can incorporate in. Second to that, there's a couple of, I guess, underlying funds. I just wanna kinda shake things up a little bit and just incorporate some new to the actual investment itself, diversify\n\nChannel 1: Mhmm.\n\nChannel 0: out a little bit more just so we can capture more of the market,\n\nChannel 1: Mhmm.\n\nChannel 0: then one of your assets, which is a banking hybrid. Now banking hybrid and this investment has been doing well. Don't get me wrong. But banking hybrids legislatively have actually been terminated as an investment style, and they're set to roll off from an investment perspective twenty twenty thirty one. I have to get it right.\n\nI keep saying 2021. 2031. So it's in five years. But, essentially, at the moment, it is performing well. And, realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point.\n\nChannel 1: Okay.\n\nChannel 0: And rather than hold on to it and then have the investment manager migrate you into a a fund that we're not we haven't chosen, we're not comfortable with, whatever the case may be, I would rather I'd rather be able to make the decision ourselves and actually pick where we wanna migrate to. And that\n\nChannel 1: Yep.\n\nChannel 0: way we have control over it rather than just allowing it to bait.\n\nChannel 1: Yeah. I'm supportive\n\nChannel 0: So\n\nChannel 1: of that, but thank you.\n\nChannel 0: cool. So they're sort of the ones I wanna really target. So diversification, just decreasing some of the overall costs and getting rid of things that are being phased out. All in all, the fund has still pulled a return. So we're sitting at 4.64% and, like, for the for the year after fees, that Better Long Fund's being the massive drag to it.\n\nSo offloading that's going to let us flip that around and get that cleaned up.\n\nChannel 1: Okay.\n\nChannel 0: So what I wanna do is within the next two weeks is get this it's it's gonna be very scoped based on what we've talked about today. So looking at, I guess, in in six months, looking at the property advice and cash flow side of things. So that's, you know, March next year. We're not going ahead with the insurance stuff, but just very specifically looking at the investments underlying within the Superfund. I wanna be able to get that advice drawn up and get it out to you within within two weeks.\n\nChannel 1: Okay.\n\nChannel 0: So that way, we can get that get that moving and happening. But\n\nChannel 1: Mhmm.\n\nChannel 0: are you okay if I focus on that as an advice piece rather than anything else? Is there anything else else that you, I guess, specifically want to look at or if there's anything else that you\n\nChannel 1: No. That's really great.\n\nChannel 0: could\n\nChannel 1: I've\n\nChannel 0: identify?\n\nChannel 1: been no. That's really great actually because I've been wanting to touch base with you guys about my superannuation because I keep and I don't know, you know, like, I don't know much about stocks or anything, but I do kind of take notice of what's going on and what's being said on social media. So I just kind of wanted to check-in with you guys to make sure that, you know, like, where my, I guess yeah. Where my superannuation is held is kind of safe and, you know, is the investments pulling returns and things like that. So happy happy for\n\nChannel 0: Yeah.\n\nChannel 1: this yep.\n\nChannel 0: Well, I'm already there for you.\n\nChannel 1: Yep.\n\nChannel 0: So, ultimately, today, I guess, what I'm gonna do is I'm gonna from the takeaway of everything, update your file with all of your new details. I I recorded four kids, not three. Three dependents, one not. I'll send you an email today with a just, I guess, a about overview information guide so that way you can talk to your daughter about it. And and I'll set a a calendar meeting for sort of that March period where we'll reach out to you in March to do that touch point.\n\nBut are you okay if I put in my calendar now for two weeks from today? So that would be Thursday, the first of could I would it be okay if I go Wednesday, the thirtieth, if that's okay?\n\nChannel 1: Yeah. That should work.\n\nChannel 0: Yeah. September 30. Just I've I've booked annually for the October 1. It's my ten year wedding anniversary, so I'm\n\nChannel 1: That's\n\nChannel 0: not gonna\n\nChannel 1: alright.\n\nChannel 0: put\n\nChannel 1: Do\n\nChannel 0: myself\n\nChannel 1: we need\n\nChannel 0: in a position\n\nChannel 1: to sorry.\n\nChannel 0: of of\n\nChannel 1: Are we\n\nChannel 0: calling\n\nChannel 1: having a\n\nChannel 0: you.\n\nChannel 1: face are we have will we be having a conversation again on\n\nChannel 0: Yeah.\n\nChannel 1: the third\n\nChannel 0: But\n\nChannel 1: of\n\nChannel 0: it'll\n\nChannel 1: it?\n\nChannel 0: it'll be much much quicker than today. It'll just be, hey. I've picked these stock options for these reasons. Are you okay with that? Here's my advice.\n\nHere's how things have changed. Let's go type\n\nChannel 1: Okay.\n\nChannel 0: of\n\nChannel 1: Can\n\nChannel 0: situation.\n\nChannel 1: we lock in the twenty eighth?\n\nChannel 0: Yeah. Absolutely. Yeah. Monday, the twenty eighth. Done.\n\nChannel 1: Yeah.\n\nChannel 0: Would\n\nChannel 1: Monday.\n\nChannel 0: you be okay\n\nChannel 1: Awesome.\n\nChannel 0: with the afternoon?\n\nChannel 1: Yeah. Afternoon's perfect. Anytime\n\nChannel 0: Would you\n\nChannel 1: after\n\nChannel 0: like\n\nChannel 1: anytime after 01:30 works for me.\n\nChannel 0: Perfect. 02:00 it is.\n\nChannel 1: Cool.\n\nChannel 0: Cool.\n\nChannel 1: Thank\n\nChannel 0: What I'll do\n\nChannel 1: you.\n\nChannel 0: is I'll pop it in the calendar, and I'll send you an invite to it as well. So it'll pop into your calendar, so that way you have that invite. Now for today, I do have that pack of documents to send to you. So you have a rundown of everything. It's a it's your certificate of currency for your for your insurance policy.\n\nIt's a performance report for your super fund. An overview, it does have the index the the index chart. So it just shows how investments over the last from 1996, basically,\n\nChannel 1: Okay.\n\nChannel 0: so thirty years, have operated in different classes. So from cash to CPI to Australian bonds all the way through\n\nChannel 1: K.\n\nChannel 0: to, you know, US shares just to show how market fluctuation works. It's a really it's just a really nice graph, honestly. It does also include our, like, Oakview's ongoing servicing agreement as well. So it enables us to continue being your adviser on your account and the fees associated with it, which is $2,223.70 for the annum, which is broken up across the year.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So I'll get that sent to you once I figure out why my computer is not emailing it to you. I'll get my notes in, update your file, and get working on the investment slip ready for the twenty eighth.\n\nChannel 1: Okay. No worries. Thank you so much.\n\nChannel 0: No. That's okay. Were there any other questions or anything else that you had for today? Or\n\nChannel 1: No.\n\nChannel 0: perfect. Well, cool. Well, I will talk to you in a week and a half, and we'll go from there.\n\nChannel 1: Alright. No worries. You have a good rest of\n\nChannel 0: Yes. I will. I think\n\nChannel 1: your\n\nChannel 0: after I get all my notes in,\n\nChannel 1: day.\n\nChannel 0: it might be some lunch.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: have\n\nChannel 1: same.\n\nChannel 0: a good one.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye, Kylene. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.02469649910926819},{"text":"Carlene speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.0219037476927042}],"sentiment":"neutral","sentiment_score":0.022834664831558864,"channel":1,"num_words":3,"start":0.88,"end":2.1799998},{"sentences":[{"text":"Hi, Kylene.","start":2.6399999,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.11452100425958633},{"text":"Larissa, Oakview Financial.","start":3.84,"end":5.2,"sentiment":"neutral","sentiment_score":0.10603391379117966},{"text":"How are you going?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.16450772061944008}],"sentiment":"neutral","sentiment_score":0.13390829248560798,"channel":0,"num_words":9,"start":2.6399999,"end":6.02},{"sentences":[{"text":"Good.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.45366060733795166},{"text":"Thanks.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.4900090992450714},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.237407053510348}],"sentiment":"neutral","sentiment_score":0.3311781734228134,"channel":1,"num_words":5,"start":6.24,"end":7.7},{"sentences":[{"text":"Yeah.","start":8.0,"end":8.5,"sentiment":"neutral","sentiment_score":0.30279093980789185},{"text":"Really, really good.","start":8.559999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5997756918271383},{"text":"Thank you.","start":9.5199995,"end":10.26,"sentiment":"positive","sentiment_score":0.720276802778244}],"sentiment":"positive","sentiment_score":0.5904452701409658,"channel":0,"num_words":6,"start":8.0,"end":10.26},{"sentences":[{"text":"That's","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.5683668851852417}],"sentiment":"positive","sentiment_score":0.5683668851852417,"channel":1,"num_words":1,"start":10.8,"end":11.12},{"sentences":[{"text":"I was","start":10.8,"end":11.12,"sentiment":"positive","sentiment_score":0.5664137601852417}],"sentiment":"positive","sentiment_score":0.5664137601852417,"channel":0,"num_words":2,"start":10.8,"end":11.12},{"sentences":[{"text":"good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.5375787019729614}],"sentiment":"positive","sentiment_score":0.5375787019729614,"channel":1,"num_words":1,"start":11.12,"end":11.62},{"sentences":[{"text":"giving you a call to I was giving you a call today so we could go through your annual review and just have a bit of a touch base.","start":11.12,"end":17.435001,"sentiment":"neutral","sentiment_score":0.19625259601864323},{"text":"Now still","start":17.435001,"end":18.155,"sentiment":"neutral","sentiment_score":0.05532095581293106}],"sentiment":"neutral","sentiment_score":0.18716023213440372,"channel":0,"num_words":31,"start":11.12,"end":18.155},{"sentences":[{"text":"Yeah.","start":18.085,"end":18.585,"sentiment":"neutral","sentiment_score":0.12259458750486374}],"sentiment":"neutral","sentiment_score":0.12259458750486374,"channel":1,"num_words":1,"start":18.085,"end":18.585},{"sentences":[{"text":"perfect time?","start":18.155,"end":19.055,"sentiment":"neutral","sentiment_score":0.2113531082868576}],"sentiment":"neutral","sentiment_score":0.2113531082868576,"channel":0,"num_words":2,"start":18.155,"end":19.055},{"sentences":[{"text":"Yeah.","start":19.285,"end":19.525,"sentiment":"neutral","sentiment_score":0.22701916098594663},{"text":"That's a good 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Randall, sixty third nineteen eighty four, and I'm at 5 Storksfield Terrace in Charley, New South Wales.","start":29.609999,"end":36.75,"sentiment":"neutral","sentiment_score":0.036064054196079574}],"sentiment":"neutral","sentiment_score":0.036146212623200634,"channel":1,"num_words":22,"start":29.13,"end":36.75},{"sentences":[{"text":"Perfect.","start":37.81,"end":38.31,"sentiment":"neutral","sentiment_score":0.24057182669639587},{"text":"Alright.","start":39.09,"end":39.59,"sentiment":"neutral","sentiment_score":0.1015561744570732},{"text":"So first and foremost, the one the thing I wanted to sort of, I guess, touch base on, firstly, was in December, Dana, your adviser, went through and did a recommendation to increase your income protection cover that you currently hold with 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up to you guys how you wanna do it.","start":1458.48,"end":1460.7999,"sentiment":"neutral","sentiment_score":0.29419145435094834},{"text":"I'm happy to connect with her now ish.","start":1460.7999,"end":1463.0599,"sentiment":"positive","sentiment_score":0.7876441553235054},{"text":"I'm not saying today, but now and sort of get things moving.","start":1463.12,"end":1466.905,"sentiment":"positive","sentiment_score":0.3667149245738983},{"text":"And even if it's just a touch base, hey.","start":1466.905,"end":1468.1849,"sentiment":"neutral","sentiment_score":0.2275976041952769},{"text":"This is what we do.","start":1468.1849,"end":1468.745,"sentiment":"neutral","sentiment_score":0.3005449712276459}],"sentiment":"positive","sentiment_score":0.3907897767018188,"channel":0,"num_words":44,"start":1458.48,"end":1468.745},{"sentences":[{"text":"This is what we charge.","start":1468.745,"end":1469.465,"sentiment":"neutral","sentiment_score":0.25646854639053346},{"text":"This is how we 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account.","start":1551.085,"end":1563.0,"sentiment":"neutral","sentiment_score":0.1131116971373558}],"sentiment":"neutral","sentiment_score":0.12323014799724608,"channel":0,"num_words":68,"start":1537.38,"end":1563.0},{"sentences":[{"text":"Okay.","start":1563.28,"end":1563.78,"sentiment":"neutral","sentiment_score":-0.10692381858825684}],"sentiment":"neutral","sentiment_score":-0.10692381858825684,"channel":1,"num_words":1,"start":1563.28,"end":1563.78},{"sentences":[{"text":"I'm just trying to bring it up, and it's being a pain.","start":1564.58,"end":1566.9199,"sentiment":"negative","sentiment_score":-0.5411069194475809},{"text":"Because computers are friends today.","start":1570.4199,"end":1574.76,"sentiment":"negative","sentiment_score":-0.46244706511497496}],"sentiment":"negative","sentiment_score":-0.5179716681732851,"channel":0,"num_words":17,"start":1564.58,"end":1574.76},{"sentences":[{"text":"Yeah.","start":1575.695,"end":1576.195,"sentiment":"neutral","sentiment_score":-0.16146045923233032},{"text":"No.","start":1576.255,"end":1576.575,"sentiment":"neutral","sentiment_score":-0.23416748642921448},{"text":"I have the same problem.","start":1576.575,"end":1577.875,"sentiment":"neutral","sentiment_score":-0.24388547539710997},{"text":"I've we're traveling for an eighteenth, and I've been trying to recover photos from old laptops and desktops.","start":1580.4149,"end":1586.835,"sentiment":"neutral","sentiment_score":-0.27261585576666725},{"text":"And it's like, my office is crazy at the moment.","start":1587.76,"end":1591.12,"sentiment":"negative","sentiment_score":-0.4377066344022751}],"sentiment":"neutral","sentiment_score":-0.3114059162991388,"channel":1,"num_words":35,"start":1575.695,"end":1591.12},{"sentences":[{"text":"It's just got laptops and old desktops everywhere because, you know, you can't throw anything out.","start":1591.12,"end":1595.38,"sentiment":"negative","sentiment_score":-0.3880527000874281},{"text":"Jeez.","start":1595.44,"end":1595.68,"sentiment":"neutral","sentiment_score":-0.12162896245718002},{"text":"Well, I can't anyway.","start":1595.68,"end":1596.82,"sentiment":"neutral","sentiment_score":-0.21682312339544296}],"sentiment":"negative","sentiment_score":-0.34275069797322866,"channel":1,"num_words":21,"start":1591.12,"end":1596.82},{"sentences":[{"text":"No.","start":1598.0,"end":1598.32,"sentiment":"neutral","sentiment_score":-0.2647847533226013},{"text":"Not at all.","start":1598.32,"end":1599.14,"sentiment":"neutral","sentiment_score":-0.24668458104133606},{"text":"Oh, I get it.","start":1599.44,"end":1600.095,"sentiment":"neutral","sentiment_score":-0.115422198548913}],"sentiment":"neutral","sentiment_score":-0.1833159113302827,"channel":0,"num_words":8,"start":1598.0,"end":1600.095},{"sentences":[{"text":"Crazy.","start":1600.175,"end":1600.675,"sentiment":"neutral","sentiment_score":-0.15412190556526184},{"text":"And I you know, like, I did live out I did live remotely for ages.","start":1602.015,"end":1605.455,"sentiment":"neutral","sentiment_score":-0.08835678497950236},{"text":"So I was like, oh, I'll, you know, like, get all of the photos and everything I need extracted off, you know, these laptops so I can dispose of them when I moved to a city.","start":1605.455,"end":1616.26,"sentiment":"neutral","sentiment_score":-0.12804728725718129},{"text":"And I've been here for nearly two","start":1616.26,"end":1617.62,"sentiment":"neutral","sentiment_score":-0.0613032728433609}],"sentiment":"neutral","sentiment_score":-0.11047964290542117,"channel":1,"num_words":59,"start":1600.175,"end":1617.62},{"sentences":[{"text":"No.","start":1617.47,"end":1617.97,"sentiment":"neutral","sentiment_score":-0.21702119708061215}],"sentiment":"neutral","sentiment_score":-0.21702119708061215,"channel":0,"num_words":1,"start":1617.47,"end":1617.97},{"sentences":[{"text":"years now, and I still haven't done it.","start":1617.62,"end":1619.56,"sentiment":"neutral","sentiment_score":-0.3066206108778715},{"text":"Anyways, I'll get around to it.","start":1621.2201,"end":1623.88,"sentiment":"neutral","sentiment_score":-0.0921304573615392}],"sentiment":"neutral","sentiment_score":-0.21469625937087194,"channel":1,"num_words":14,"start":1617.62,"end":1623.88},{"sentences":[{"text":"No.","start":1624.99,"end":1625.3099,"sentiment":"neutral","sentiment_score":-0.16405266523361206},{"text":"I I get it.","start":1625.3099,"end":1626.19,"sentiment":"neutral","sentiment_score":-0.1434519626200199},{"text":"Sometimes life just takes takes precedent, and you just end up with a bunch of doc a bunch of of of extra 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looking.","start":1639.5951,"end":1640.895,"sentiment":"neutral","sentiment_score":-0.08595916132132213}],"sentiment":"neutral","sentiment_score":-0.08996568620204926,"channel":1,"num_words":5,"start":1639.115,"end":1640.895},{"sentences":[{"text":"Oh, okay.","start":1648.23,"end":1648.9501,"sentiment":"neutral","sentiment_score":-0.07713565975427628},{"text":"Well, it's I don't know what's happening with the computer, but it's being a pain.","start":1648.9501,"end":1652.89,"sentiment":"neutral","sentiment_score":-0.32331826190153756},{"text":"But I'll I'll I'll be able to send them to you at the conclusion.","start":1652.9501,"end":1656.01,"sentiment":"neutral","sentiment_score":0.023880806751549244},{"text":"I'm just it's not sending to you for some ungodly reason, but I'll go through the documents with you, 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Kylene.","start":1693.235,"end":1695.095,"sentiment":"negative","sentiment_score":-0.4835904836654663}],"sentiment":"neutral","sentiment_score":-0.09312584325671196,"channel":0,"num_words":30,"start":1667.615,"end":1695.095},{"sentences":[{"text":"Oh, no.","start":1695.985,"end":1696.645,"sentiment":"neutral","sentiment_score":-0.12463006377220154}],"sentiment":"neutral","sentiment_score":-0.12463006377220154,"channel":1,"num_words":2,"start":1695.985,"end":1696.645},{"sentences":[{"text":"There we go.","start":1699.9551,"end":1700.76,"sentiment":"neutral","sentiment_score":-0.05228917549053828},{"text":"Your your Hub twenty four account stands at, like, a $128,000 today.","start":1701.64,"end":1706.78,"sentiment":"neutral","sentiment_score":-0.010800552709649006},{"text":"The insurance that you hold has increased a little bit since we last spoke to you, just the CPI when it went through its renewal.","start":1708.12,"end":1716.3,"sentiment":"neutral","sentiment_score":-0.08555640637874604},{"text":"So it's increased, and the life insurance stands at $701,045.","start":1716.885,"end":1723.7051,"sentiment":"neutral","sentiment_score":0.021850975556299092},{"text":"PPD","start":1724.165,"end":1724.665,"sentiment":"neutral","sentiment_score":0.009556844830513}],"sentiment":"neutral","sentiment_score":-0.04308466113848137,"channel":0,"num_words":51,"start":1699.9551,"end":1724.665},{"sentences":[{"text":"Yeah.","start":1724.1849,"end":1724.6849,"sentiment":"neutral","sentiment_score":0.021894367411732674}],"sentiment":"neutral","sentiment_score":0.021894367411732674,"channel":1,"num_words":1,"start":1724.1849,"end":1724.6849},{"sentences":[{"text":"or total permanent facility is the same.","start":1724.725,"end":1726.8251,"sentiment":"neutral","sentiment_score":0.04919143446854183},{"text":"The income protection stands at $7,352 a month, and it's got a 30 day wait, five year benefit period.","start":1727.4451,"end":1737.98,"sentiment":"neutral","sentiment_score":0.03690488234554466}],"sentiment":"neutral","sentiment_score":0.04021280022481313,"channel":0,"num_words":26,"start":1724.725,"end":1737.98},{"sentences":[{"text":"Okay.","start":1738.7101,"end":1739.2101,"sentiment":"neutral","sentiment_score":0.05693714693188667}],"sentiment":"neutral","sentiment_score":0.05693714693188667,"channel":1,"num_words":1,"start":1738.7101,"end":1739.2101},{"sentences":[{"text":"Now, realistically speaking, with respect to your your investments within the your your superannuation fund, I have identified a couple of areas that we probably do need to look at making some movements 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to.","start":1802.5951,"end":1806.6951,"sentiment":"negative","sentiment_score":-0.3362815556201068}],"sentiment":"negative","sentiment_score":-0.3362815556201068,"channel":0,"num_words":22,"start":1802.5951,"end":1806.6951},{"sentences":[{"text":"Yep.","start":1806.875,"end":1807.375,"sentiment":"neutral","sentiment_score":-0.044364213943481445}],"sentiment":"neutral","sentiment_score":-0.044364213943481445,"channel":1,"num_words":1,"start":1806.875,"end":1807.375},{"sentences":[{"text":"So what I wanna do is basically offload that investment and look at alternatives within the Australian equities market that we can incorporate in.","start":1806.995,"end":1813.32,"sentiment":"neutral","sentiment_score":0.029595283480981987},{"text":"Second to that, there's a couple of, I guess, underlying funds.","start":1815.88,"end":1819.7999,"sentiment":"neutral","sentiment_score":0.030574893748218365},{"text":"I just wanna kinda shake things up a little bit and just incorporate some new to the 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realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point.","start":1866.9451,"end":1877.5499,"sentiment":"neutral","sentiment_score":-0.24877505832248265}],"sentiment":"neutral","sentiment_score":-0.14055004262843648,"channel":0,"num_words":37,"start":1856.785,"end":1877.5499},{"sentences":[{"text":"Okay.","start":1877.88,"end":1878.38,"sentiment":"neutral","sentiment_score":-0.03528587520122528}],"sentiment":"neutral","sentiment_score":-0.03528587520122528,"channel":1,"num_words":1,"start":1877.88,"end":1878.38},{"sentences":[{"text":"And rather than hold on to it and then have the investment manager migrate you into a a fund that we're not we haven't chosen, we're not comfortable with, whatever the case may be, I would rather I'd rather be able to make the decision ourselves and actually pick where we wanna migrate to.","start":1877.9299,"end":1898.825,"sentiment":"neutral","sentiment_score":-0.032700747803405476},{"text":"And 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through","start":2172.495,"end":2176.335,"sentiment":"neutral","sentiment_score":0.11088951490819454}],"sentiment":"neutral","sentiment_score":0.09866633638739586,"channel":0,"num_words":20,"start":2168.575,"end":2176.335},{"sentences":[{"text":"K.","start":2176.24,"end":2176.74,"sentiment":"neutral","sentiment_score":0.09912504255771636}],"sentiment":"neutral","sentiment_score":0.09912504255771636,"channel":1,"num_words":1,"start":2176.24,"end":2176.74},{"sentences":[{"text":"to, you know, US shares just to show how market fluctuation works.","start":2176.335,"end":2180.47,"sentiment":"neutral","sentiment_score":0.15375716549654803},{"text":"It's a really it's just a really nice graph, honestly.","start":2180.47,"end":2183.3699,"sentiment":"positive","sentiment_score":0.5190882563591004},{"text":"It does also include our, like, Oakview's ongoing servicing agreement as well.","start":2184.71,"end":2190.17,"sentiment":"neutral","sentiment_score":0.2590505393842856},{"text":"So it enables us to continue being your adviser on your account and the fees associated with it, which is $2,223.70 for the annum, which is broken up across the year.","start":2190.435,"end":2202.215,"sentiment":"neutral","sentiment_score":0.18345142059749173}],"sentiment":"neutral","sentiment_score":0.24356260093358847,"channel":0,"num_words":65,"start":2176.335,"end":2202.215},{"sentences":[{"text":"Okay.","start":2202.595,"end":2203.095,"sentiment":"neutral","sentiment_score":0.2414308190345764}],"sentiment":"neutral","sentiment_score":0.2414308190345764,"channel":1,"num_words":1,"start":2202.595,"end":2203.095},{"sentences":[{"text":"Perfect.","start":2205.155,"end":2205.655,"sentiment":"positive","sentiment_score":0.3699274063110352},{"text":"So I'll get that sent to you once I figure out why my computer is not emailing it to you.","start":2205.75,"end":2209.61,"sentiment":"neutral","sentiment_score":0.19456304386258125},{"text":"I'll get my notes in, update your file, and get working on the investment slip ready for the twenty eighth.","start":2210.07,"end":2216.33,"sentiment":"neutral","sentiment_score":0.2666673496365547}],"sentiment":"neutral","sentiment_score":0.23401305551935986,"channel":0,"num_words":41,"start":2205.155,"end":2216.33},{"sentences":[{"text":"Okay.","start":2216.65,"end":2217.05,"sentiment":"neutral","sentiment_score":0.2150586843490601},{"text":"No worries.","start":2217.05,"end":2217.61,"sentiment":"neutral","sentiment_score":0.2912939041852951},{"text":"Thank you so much.","start":2217.61,"end":2218.67,"sentiment":"positive","sentiment_score":0.589513286948204}],"sentiment":"positive","sentiment_score":0.45081423435892376,"channel":1,"num_words":7,"start":2216.65,"end":2218.67},{"sentences":[{"text":"No.","start":2219.495,"end":2219.655,"sentiment":"neutral","sentiment_score":0.18992698192596436},{"text":"That's okay.","start":2219.655,"end":2220.055,"sentiment":"neutral","sentiment_score":0.1921864077448845},{"text":"Were there any other questions or anything else that you had for today?","start":2220.055,"end":2223.0151,"sentiment":"neutral","sentiment_score":0.14068355182042488},{"text":"Or","start":2223.0151,"end":2223.5151,"sentiment":"neutral","sentiment_score":0.02229909785091877}],"sentiment":"neutral","sentiment_score":0.14267559229012797,"channel":0,"num_words":17,"start":2219.495,"end":2223.5151},{"sentences":[{"text":"No.","start":2224.115,"end":2224.615,"sentiment":"neutral","sentiment_score":0.014504380524158478}],"sentiment":"neutral","sentiment_score":0.014504380524158478,"channel":1,"num_words":1,"start":2224.115,"end":2224.615},{"sentences":[{"text":"perfect.","start":2228.375,"end":2228.875,"sentiment":"neutral","sentiment_score":0.08265088498592377},{"text":"Well, cool.","start":2229.495,"end":2229.895,"sentiment":"positive","sentiment_score":0.5537072122097015},{"text":"Well, I will talk to you in a week and a half, and we'll go from there.","start":2229.895,"end":2233.94,"sentiment":"neutral","sentiment_score":0.19183992243864956}],"sentiment":"neutral","sentiment_score":0.2225671995431185,"channel":0,"num_words":20,"start":2228.375,"end":2233.94},{"sentences":[{"text":"Alright.","start":2233.98,"end":2234.38,"sentiment":"neutral","sentiment_score":0.2395983785390854},{"text":"No worries.","start":2234.38,"end":2234.94,"sentiment":"neutral","sentiment_score":0.31718429923057556},{"text":"You have a good rest of","start":2234.94,"end":2237.38,"sentiment":"positive","sentiment_score":0.580551952123642}],"sentiment":"positive","sentiment_score":0.4841420766380098,"channel":1,"num_words":9,"start":2233.98,"end":2237.38},{"sentences":[{"text":"Yes.","start":2237.2,"end":2237.52,"sentiment":"neutral","sentiment_score":0.29036813974380493},{"text":"I will.","start":2237.52,"end":2238.08,"sentiment":"neutral","sentiment_score":0.26694798469543457},{"text":"I think","start":2238.08,"end":2238.66,"sentiment":"neutral","sentiment_score":0.14561709761619568}],"sentiment":"neutral","sentiment_score":0.2230996608734131,"channel":0,"num_words":5,"start":2237.2,"end":2238.66},{"sentences":[{"text":"your","start":2238.3398,"end":2238.8398,"sentiment":"neutral","sentiment_score":0.1048135757446289}],"sentiment":"neutral","sentiment_score":0.1048135757446289,"channel":1,"num_words":1,"start":2238.3398,"end":2238.8398},{"sentences":[{"text":"after I get all my notes in,","start":2238.72,"end":2239.84,"sentiment":"neutral","sentiment_score":0.14969725906848907}],"sentiment":"neutral","sentiment_score":0.14969725906848907,"channel":0,"num_words":7,"start":2238.72,"end":2239.84},{"sentences":[{"text":"day.","start":2239.8,"end":2240.3,"sentiment":"neutral","sentiment_score":0.1045152023434639}],"sentiment":"neutral","sentiment_score":0.1045152023434639,"channel":1,"num_words":1,"start":2239.8,"end":2240.3},{"sentences":[{"text":"it might be some lunch.","start":2239.84,"end":2240.9,"sentiment":"neutral","sentiment_score":0.13764626830816268}],"sentiment":"neutral","sentiment_score":0.13764626830816268,"channel":0,"num_words":5,"start":2239.84,"end":2240.9},{"sentences":[{"text":"Yeah.","start":2241.26,"end":2241.42,"sentiment":"neutral","sentiment_score":0.14750999212265015}],"sentiment":"neutral","sentiment_score":0.14750999212265015,"channel":1,"num_words":1,"start":2241.26,"end":2241.42},{"sentences":[{"text":"But","start":2241.36,"end":2241.52,"sentiment":"neutral","sentiment_score":0.15146614611148834}],"sentiment":"neutral","sentiment_score":0.15146614611148834,"channel":0,"num_words":1,"start":2241.36,"end":2241.52},{"sentences":[{"text":"I'm","start":2241.42,"end":2241.66,"sentiment":"neutral","sentiment_score":0.23320481181144712}],"sentiment":"neutral","sentiment_score":0.23320481181144712,"channel":1,"num_words":1,"start":2241.42,"end":2241.66},{"sentences":[{"text":"you","start":2241.52,"end":2241.68,"sentiment":"neutral","sentiment_score":0.2332192063331604}],"sentiment":"neutral","sentiment_score":0.2332192063331604,"channel":0,"num_words":1,"start":2241.52,"end":2241.68},{"sentences":[{"text":"the","start":2241.66,"end":2241.82,"sentiment":"neutral","sentiment_score":0.1726478934288025}],"sentiment":"neutral","sentiment_score":0.1726478934288025,"channel":1,"num_words":1,"start":2241.66,"end":2241.82},{"sentences":[{"text":"have","start":2241.68,"end":2241.84,"sentiment":"neutral","sentiment_score":0.15407514572143555}],"sentiment":"neutral","sentiment_score":0.15407514572143555,"channel":0,"num_words":1,"start":2241.68,"end":2241.84},{"sentences":[{"text":"same.","start":2241.82,"end":2242.32,"sentiment":"neutral","sentiment_score":0.2710890769958496}],"sentiment":"neutral","sentiment_score":0.2710890769958496,"channel":1,"num_words":1,"start":2241.82,"end":2242.32},{"sentences":[{"text":"a good one.","start":2241.84,"end":2242.66,"sentiment":"positive","sentiment_score":0.5375906427701315}],"sentiment":"positive","sentiment_score":0.5375906427701315,"channel":0,"num_words":3,"start":2241.84,"end":2242.66},{"sentences":[{"text":"You too.","start":2242.6199,"end":2243.18,"sentiment":"positive","sentiment_score":0.3602554351091385},{"text":"Bye.","start":2243.18,"end":2243.68,"sentiment":"neutral","sentiment_score":0.1936201453208923}],"sentiment":"neutral","sentiment_score":0.30471033851305646,"channel":1,"num_words":3,"start":2242.6199,"end":2243.68},{"sentences":[{"text":"Bye, Kylene.","start":2244.8,"end":2245.54,"sentiment":"neutral","sentiment_score":0.16623248904943466},{"text":"Bye.","start":2245.68,"end":2246.18,"sentiment":"neutral","sentiment_score":0.13906121253967285}],"sentiment":"neutral","sentiment_score":0.15717539687951407,"channel":0,"num_words":3,"start":2244.8,"end":2246.18},{"sentences":[{"text":"Bye.","start":2245.9,"end":2246.4,"sentiment":"neutral","sentiment_score":-0.12690040469169617}],"sentiment":"neutral","sentiment_score":-0.12690040469169617,"channel":1,"num_words":1,"start":2245.9,"end":2246.4}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses Kylene's annual review and income protection cover with Kylene, emphasizing their desire to be organized and their work schedule. They also discuss Kylene's income and work schedule, their retirement plans, and their assets and liabilities. The conversation ends with a discussion of Kylene's goals for their future plans, including paying off their car loan and investing in property or purchasing a home. The speaker emphasizes reducing debt and maintaining a high savings account for retirement, and discusses their investment strategy and desire to touch base with their daughter about their investment portfolio. They plan to use the advice provided to make the decision and get the investment out of the risk."},"intents":{"segments":[{"text":"I I started my masters ten years after I finished an undergrad, and in that ten years, I've had three kids. And I think the the the biggest point that I took away from doing my master's was, while I absolutely had to do it, it was an a massive juggle to get it done.","start_word":535,"end_word":589,"intents":[{"intent":"Discuss masters coursework","confidence_score":0.0006159244}]},{"text":"Oh, that's that's just another layer of fun to add onto the top of that because they'll be starting to drive. I know.","start_word":1022,"end_word":1044,"intents":[{"intent":"Add fun","confidence_score":0.33986297}]},{"text":"And then with your new role, what's what's your income looking like at the moment?","start_word":1078,"end_word":1092,"intents":[{"intent":"Determine income","confidence_score":0.27777952}]},{"text":"And then with your new role, what's what's your income looking like at the moment? So it is just over $1.","start_word":1078,"end_word":1098,"intents":[{"intent":"Determine role role","confidence_score":0.06466715}]},{"text":"So that's $1.20 is the base rate, and then you're doing three days a week. I'm doing four days a week. Okay.","start_word":1108,"end_word":1129,"intents":[{"intent":"Provide work schedule","confidence_score":0.00020867487}]},{"text":"And do you have a EBA with that employer? Is that a enterprise agreement? Yes. Is Yeah.","start_word":1175,"end_word":1191,"intents":[{"intent":"Determine purpose","confidence_score":0.0026733165},{"intent":"Determine employer affiliation","confidence_score":0.04366972}]},{"text":"And who who is the employer that you're working for now?","start_word":1211,"end_word":1221,"intents":[{"intent":"Determine employer","confidence_score":0.09047796},{"intent":"Identify employer","confidence_score":0.03560389}]},{"text":"So I support building the cultural capability across the organization and just provide advice on how to, you know, like, engage with Aboriginal communities and, kind yeah. Just set up, you know, cultural safety inside of the organization for any existing First Nations staff or any staff that are coming on. Okay.","start_word":1278,"end_word":1329,"intents":[{"intent":"Provide support","confidence_score":0.009180915},{"intent":"Discuss cultural capabilities","confidence_score":0.00158447}]},{"text":"Well, we can definitely talk about how we can, like, establish those documents during today's call. And we can talk about cost effective ways and no. Not cost effective ways.","start_word":1682,"end_word":1711,"intents":[{"intent":"Discuss cost-effective ways","confidence_score":0.5537103}]},{"text":"Well, we can definitely talk about how we can, like, establish those documents during today's call. And we can talk about cost effective ways and no. Not cost effective ways. Okay.","start_word":1682,"end_word":1712,"intents":[{"intent":"Establish documents","confidence_score":0.78745854}]},{"text":"Well, we can definitely talk about how we can, like, establish those documents during today's call. And we can talk about cost effective ways and no. Not cost effective ways. Okay. Okay.","start_word":1682,"end_word":1713,"intents":[{"intent":"Understand budget","confidence_score":0.0006077577}]},{"text":"And we've never been declared bankrupt or gone into a a debt agreement at all?","start_word":1746,"end_word":1760,"intents":[{"intent":"Discuss finances","confidence_score":0.0024598008}]},{"text":"Now with respect to your your goals, previously, what you were working towards was paying off the car loan and the debts and then possibly looking at, like, first home super saver scheme to be able to look towards a first home. And then, you know, further down the line, investment properties, family holidays, you're wanting to go overseas to The United States. Mhmm.","start_word":1771,"end_word":1834,"intents":[{"intent":"Disclose goals","confidence_score":0.0015027525}]},{"text":"interested in going over to Canada. Nice. Yeah.","start_word":1859,"end_word":1866,"intents":[{"intent":"Discuss travel plans","confidence_score":0.09577474}]},{"text":"No. I haven't even started to think about that. Kind of just been, like, focusing on focusing on reducing debt, and then I think my first priority is to either get an investment property or, you know, like, purchase a home. Yeah.","start_word":1955,"end_word":1996,"intents":[{"intent":"Drive home purchase","confidence_score":0.000078257355}]},{"text":"So do you have, like, a personal budget that you operate by? Or, like, it doesn't even have to be something written down, but something that you you sort of operate internally with.","start_word":2015,"end_word":2047,"intents":[{"intent":"Request personal budget clarification","confidence_score":0.0000026346922}]},{"text":"I'll borrow from Peter, and I'll pay Paul back eventually, but Paul 100 never gets paid percent. Yeah.","start_word":2384,"end_word":2401,"intents":[{"intent":"Obtain loan information","confidence_score":0.0038066157}]},{"text":"And and then make and also, hopefully, look at being able to put some money aside for that, yeah, home guarantee thing. Yeah.","start_word":3022,"end_word":3044,"intents":[{"intent":"Make payment plans","confidence_score":0.000015461092}]},{"text":"But I think the the biggest thing for you probably at the moment, which is the change of circumstances and where things are going, is when those loans do come up, it's probably definitely building yourself a nice buffer in your cash flow.","start_word":3084,"end_word":3126,"intents":[{"intent":"Resolve financial concerns","confidence_score":0.007946216}]},{"text":"So we have 25, 16, 16, and nine. Cool.","start_word":3428,"end_word":3436,"intents":[{"intent":"Gather information and discuss topics","confidence_score":0.0006446771}]},{"text":"I was talking about you guys, and I was like, they can help you with your financial planning and, you know, insurances and all of this stuff.","start_word":3477,"end_word":3503,"intents":[{"intent":"Discuss finances and insurances","confidence_score":0.05298146}]},{"text":"Option two is we can have a joint conversation, you, her, and us, and I can just either segment it to just the topics you're wanting to, so the scope of advice you wanna look at, which is joint Mhmm.","start_word":3741,"end_word":3780,"intents":[{"intent":"Start joint conversation","confidence_score":0.004217409}]},{"text":"budgeting and house planning advice, and then look at addressing her stuff later, or I can amalgamate it into the piece of advice with you guys joint. It just becomes Yeah.","start_word":3782,"end_word":3812,"intents":[{"intent":"Addressing misunderstanding","confidence_score":0.00004353743}]},{"text":"Do you wanna talk now or do you wanna talk later and go from there?","start_word":3949,"end_word":3963,"intents":[{"intent":"Suggesting call back","confidence_score":0.000007796342}]},{"text":"And you can either pass our contact details on, or if you want, you can give me her her name, phone number, email address, and I can reach out to her and be like, hey. Mumsy gave me your details and Yeah.","start_word":3964,"end_word":4005,"intents":[{"intent":"Giving contact details","confidence_score":0.022737563}]},{"text":"Well, I guess, what what I what I have to go through today is I'm just trying to pull it up because I dropped it.","start_word":4087,"end_word":4111,"intents":[{"intent":"Expressing intent to pull up information","confidence_score":0.0000073267875}]},{"text":"where we go through your, like, your account as it currently stands, and I I have, like, a bit of a review pack for you of just documents that shows the performance, how things are are situated. We can kinda talk about where the investments lie with your account currently and whether there's any possible movements that I can identify you wanna look at incorporating in the account. Okay.","start_word":4132,"end_word":4200,"intents":[{"intent":"Review account status","confidence_score":0.0029797046}]},{"text":"One of them, the performance hasn't been fantastic, specifically with regards to the fee that they charge in the underlying investment. So what I wanna do is I'm not trying to chase performance, but I'm just trying to kind of, I guess, clean it up a little bit to get a better underlying cost base to the overall portfolio, so the overall investments, while also looking at sort of at least trying to to get some decent investment returns happening.","start_word":4605,"end_word":4684,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0023364911}]},{"text":"I keep saying 2021. 2031. So it's in five years. But, essentially, at the moment, it is performing well. And, realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point. Okay.","start_word":4860,"end_word":4897,"intents":[{"intent":"Evaluate ui status","confidence_score":7.2000455e-7}]},{"text":"That's really great actually because I've been wanting to touch base with you guys about my superannuation because I keep and I don't know, you know, like, I don't know much about stocks or anything, but I do kind of take notice of what's going on and what's being said on social media.","start_word":5212,"end_word":5264,"intents":[{"intent":"Touch base","confidence_score":0.001345048}]},{"text":"So, ultimately, today, I guess, what I'm gonna do is I'm gonna from the takeaway of everything, update your file with all of your new details.","start_word":5323,"end_word":5348,"intents":[{"intent":"Update file","confidence_score":0.49961016}]},{"text":"I'll send you an email today with a just, I guess, a about overview information guide so that way you can talk to your daughter about it. And and I'll set a a calendar meeting for sort of that March period where we'll reach out to you in March to do that touch point.","start_word":5360,"end_word":5413,"intents":[{"intent":"Set meeting","confidence_score":0.0968094}]}]},"sentiments":{"segments":[{"text":"Hello. Carlene speaking. Hi, Kylene. Larissa, Oakview Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.10021723806858064},{"text":"Good. Thanks.","start_word":12,"end_word":13,"sentiment":"positive","sentiment_score":0.47183486819267273},{"text":"How are you? Yeah.","start_word":14,"end_word":17,"sentiment":"neutral","sentiment_score":0.2627071142196655},{"text":"Really, really good. Thank you. I That's was giving good.","start_word":18,"end_word":27,"sentiment":"positive","sentiment_score":0.6010141372680664},{"text":"you a call to I was giving you a call today so we could go through your annual review and just have a bit of a touch base. Now still Yeah. perfect time? Yeah.","start_word":28,"end_word":61,"sentiment":"neutral","sentiment_score":0.17970336973667145},{"text":"That's a good time. Awesome.","start_word":62,"end_word":66,"sentiment":"positive","sentiment_score":0.44296780228614807},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded. And then if I could just get you to confirm security for me, just full name, date of birth, and address. Sure. So it's Kylene Knowles Randall, sixty third nineteen eighty four, and I'm at 5 Storksfield Terrace in Charley, New South Wales. Perfect. Alright. So first and foremost, the one the thing I wanted to sort of, I guess, touch base on, firstly, was in December, Dana, your adviser, went through and did a recommendation to increase your income protection cover that you currently hold with Clearview Yes. because of the increase to your income up to the $130,000 mark. I know my team's been trying to get in contact with you just to go through that application and get that going. Was that something you were still wanting to go ahead with? Or No. Because my I've now like, I'm now part time, so my salary has dropped. okay. Yeah. Because Are you I'm intending part on time. staying are you intending on staying part time for a long period of time? Like, should we look at maybe reducing instead of increasing? Or No. I am in the process of looking for a new role because part time is insufficient for me. Yes. That's So, yeah, I just think maybe if we could hold off on having this conversation, that would probably be the best, I think, yeah. No. for That's now. okay. Alright. Perfect. Well, you're are you still you're still with the same employer? Because I you were you're a project a program manager. Sorry. Yeah. Well, no. I'm with a new organization now. And so when I Oh, first okay. started with them, I was employed full time, but they made me drop, you know, like, two days because I have I started my masters. Yep. Just started university. Yeah.","start_word":67,"end_word":389,"sentiment":"neutral","sentiment_score":-0.02924251050079939},{"text":"That's well done. I Thank you.","start_word":390,"end_word":395,"sentiment":"positive","sentiment_score":0.4141812324523926},{"text":"with three kids.","start_word":396,"end_word":398,"sentiment":"neutral","sentiment_score":0.028438210487365723},{"text":"I've I've I've done it myself, but it it's a killer. Absolute killer.","start_word":399,"end_word":411,"sentiment":"negative","sentiment_score":-0.39824178814888},{"text":"It is, isn't it? Yeah. Yes. I I actually don't recommend, but I'm proud of you for doing it, going back and getting it done. I know. I was like, what have I Yep. done? But it's okay. I hope I think, you know, when there's assessment dues Yep. and stuff, I just kinda feel lots of pressure. And I just got real present to like, I need to be organized, like, kind of, you know, winning stuff. I feel like I've done most of my life and just making Yeah. shit happen. I feel like I need to be a bit more organized, Yeah. you know, with my masters. So it's making me grow up in different ways. That's fair. No. Look. I I started my masters ten years after I finished an undergrad, and in that ten years, I've had three kids. And I think the the the biggest point that I took away from doing my master's was, while I absolutely had to do it, it was an a massive juggle to get it done. And now that I'm stabilized, no longer studying, I look back and go, well, you know what? If I could do three kids and a master's and work, I can do anything. So, That's kinda you know how I am too. yeah. It's it's pretty chill now. It's it's just work and kids. There's no studies, so it's fine. What am I complaining Yeah. about? Yeah. Yep. Perfect. Well, that's good. So how long until you finish the masters? Oh, because I only just started this year, so I'm really only into the first semester. And because I'm doing it part time, it I think it's gonna be four years because the you Yep. know, to do it full time is two years. Yes. Yep. Alright. That's okay. So And we'll I thought we'll be initially, I was like, yeah. I can work full time, and I can raise three kids, and I can, you know, like, study full time. And then I was like, you know what? I reckon that's probably Yeah.","start_word":412,"end_word":762,"sentiment":"neutral","sentiment_score":-0.04105637798834051},{"text":"self sabotage.","start_word":763,"end_word":764,"sentiment":"negative","sentiment_score":-0.5398088693618774},{"text":"So I'm gonna enroll in part time, and so I just did that.","start_word":765,"end_word":777,"sentiment":"neutral","sentiment_score":0.009853891097009182},{"text":"And it's like, the balance is really well. Like, it's great for me.","start_word":778,"end_word":790,"sentiment":"positive","sentiment_score":0.4895677268505096},{"text":"But, yeah, I was because I still do have a bit of capacity, so I was hoping that I could do full time work.","start_word":791,"end_word":814,"sentiment":"neutral","sentiment_score":-0.0402878075838089},{"text":"But, yeah, the organization I'm with doesn't really support that.","start_word":815,"end_word":824,"sentiment":"negative","sentiment_score":-0.4347362518310547},{"text":"So it's a Right.","start_word":825,"end_word":828,"sentiment":"neutral","sentiment_score":-0.28436756134033203},{"text":"bit frustrating. A little little bit.","start_word":829,"end_word":834,"sentiment":"negative","sentiment_score":-0.46336355805397034},{"text":"Just a touch. Yep. Yeah. Perfect. Okay. So, ultimately speaking, I guess what today's conversation is is to, I guess, have a look at where things sit right now and whether there's any movement that we could or should make to your account, your overall goals, your position as a whole, and sort of, I guess, establish a a baseline for things again.","start_word":835,"end_word":897,"sentiment":"neutral","sentiment_score":0.155598446726799},{"text":"It's just a good health check as we go through to make sure that everything is swimming along well.","start_word":898,"end_word":916,"sentiment":"positive","sentiment_score":0.38955357670784},{"text":"Now I I'll run through a few things that I have on file, and then you can fill in any gaps as we go through just so that way my records are up to date. Mhmm. Mhmm. I'm just getting the computer to do what I need it to do, though. There it is. Sorry. I pressed the button and everything disappeared. So I obviously have you your your address and and contact date details still accurate. The the three kids, can I ask, how old are are they all? Mhmm. So I've got a nine year old and the twins are almost 16. Beautiful.","start_word":917,"end_word":1021,"sentiment":"neutral","sentiment_score":0.04464418465892474},{"text":"Oh, that's that's just another layer of fun to add onto the top of that because they'll be starting to drive.","start_word":1022,"end_word":1042,"sentiment":"positive","sentiment_score":0.5515332221984863},{"text":"I know.","start_word":1043,"end_word":1044,"sentiment":"neutral","sentiment_score":0.2646924555301666},{"text":"And it's double the fun with two of them.","start_word":1045,"end_word":1053,"sentiment":"positive","sentiment_score":0.3385028541088104},{"text":"Yeah. No. I like to do things the hard way, I guess. Yes. You really do, don't you? Word. Okay. So nine and sixteen. And then with your new role, what's what's your income looking like at the moment? So it is just over $1.20 annually. But, yeah, part it's pro rata. Okay. Okay. So that's $1.20 is the base rate, and then you're doing three days a week. I'm doing four days a week. Okay. And that's so that would be cool. Because this divided by and the normal normal work is, like, five five, four days? Yes. Okay. Cool. So rough income would be around that $96,000 a year mark based on the part time role. Yeah. Okay. Perfect. And do you have a EBA with that employer? Is that a enterprise agreement? Yes. Is Yeah. that what Employer that is? bargaining, enterprise. Yeah. Anything like No. that. Look. And I don't think so. perfect. And who who is the employer that you're working for now? Oh, so they're called Grand Pacific Health? Perfect. And you started with them within the last twelve months or Yeah. In May this year. so? Yeah. Cool. And then you're still are you you're still sort of, like, a program manager within that role? Or No. I'm a cultural adviser. what do you do under that? So I support building the cultural capability across the organization and just provide advice on how to, you know, like, engage with Aboriginal communities and, kind yeah. Just set up, you know, cultural safety inside of the organization for any existing First Nations staff or any staff that are coming on. Okay. Cool. Yeah. It's pretty interesting role, but it's quite Yeah. challenging too, I'm finding. Mhmm. No. Definitely. Perfect. Now assets and and liabilities wise, I know we have the the car, around $50,000 worth of value and about 28,000 owing. Is that still correct? Well, it's not owing that much anymore. I think it's maybe 22 owing. Perfect. Do you know do you know when the the loan is like, that term? Oh, that's a really good question. It I think I got a seven year loan, and that was taken out in November or December in 2022. Okay. Cool. Alright.","start_word":1054,"end_word":1430,"sentiment":"neutral","sentiment_score":0.030511263471383315},{"text":"Good good to know.","start_word":1431,"end_word":1434,"sentiment":"positive","sentiment_score":0.5311816334724426},{"text":"And then you had a personal loan as well for about 30,000, which I'm assuming is a little bit lower now. Yeah. That is a little bit lower. So one of them should be finished next year, I think. Oh, actually, they might be finished. Both of them might be finished next year, but one earlier in the year and then one later in the year. Okay. Do you know what the rough value of the loans are? Yeah. One's, I think, about 9,000. And then the other one oh, I haven't checked this in a little bit. It's probably the same. K. Perfect. And they both terminate sort of within the next twelve months or so. Yeah. I think so. Beautiful. And then rent, is your rent still around that $96.90? Sorry. Yes. Perfect. I'm assuming that's per week. It is per week. Awesome. Are are there any other assets or liabilities that I haven't covered? No. No. Nope. I think that's it. Good. I paid Cool. out all of my zip and, you know, Afterpay stuff. Yep. Good. Good. Yeah. They're Perfect.","start_word":1435,"end_word":1618,"sentiment":"neutral","sentiment_score":0.041956789791584015},{"text":"a pain in the butt.","start_word":1619,"end_word":1623,"sentiment":"negative","sentiment_score":-0.4240575432777405},{"text":"And it's like I know. the worst cycle to get stuck in, I reckon. It is very much so. Now just with regards to estate planning side of things, did you have a a will, power of attorney document at all that you've drawn up? No. But I do wanna do that for my kids. Yeah. Okay. Well, we can definitely talk about how we can, like, establish those documents during today's call. And we can talk about cost effective ways and no. Not cost effective ways. Okay. Okay. And with respect to, like, just your like, tax jurisdiction, citizenship, stuff like that, are you you're are you're a Australian citizen or a resident? Yes. My Citizen? citizen. Yep.","start_word":1624,"end_word":1742,"sentiment":"neutral","sentiment_score":0.0013743372900145395},{"text":"Perfect. Alright. Amazing.","start_word":1743,"end_word":1745,"sentiment":"positive","sentiment_score":0.44564366340637207},{"text":"And we've never been declared bankrupt or gone into a a debt agreement at all? No. Yep.","start_word":1746,"end_word":1762,"sentiment":"neutral","sentiment_score":0.1342708319425583},{"text":"Amazing. Cool. Alright.","start_word":1763,"end_word":1765,"sentiment":"positive","sentiment_score":0.3982852101325989},{"text":"That just covers that off. Now with respect to your your goals, previously, what you were working towards was paying off the car loan and the debts and then possibly looking at, like, first home super saver scheme to be able to look towards a first home. And then, you know, further down the line, investment properties, family holidays, you're wanting to go overseas to The United States. Mhmm. Is that still what we're aiming towards, or do we have any Yeah. other But goals I think that we're we're looking more at? interested in going over to Canada. Nice. Yeah. Do you have a timeline on what you when you wanna do that? Probably when the boys can pay for themselves. I'm kidding. So it'll just be a little bit cheaper for me. I don't really know. It's just So it's kind like of a a goal. five So I plus. reckon maybe three three Yeah. years. Yep. Okay. Perfect. Do you know what you what you'll need to sort of save to do that trip or what it's gonna cost for the four of you to go? No. I haven't even started to think about that. Kind of just been, like, focusing on focusing on reducing debt, and then I think my first priority is to either get an investment property or, you know, like, purchase a home. Yeah. Okay. So I guess there's there's a couple of different directions we can head with that goal. So do you have, like, a personal budget that you operate by? Or, like, it doesn't even have to be something written down, but something that you you sort of operate internally with. I did, but I feel like I've I'm having to reassess it again because, you know, the Yep.","start_word":1766,"end_word":2064,"sentiment":"neutral","sentiment_score":0.04482486821636309},{"text":"having to reduce my hours to part time has really thrown me and kind of made me, yeah, just think a bit more, I think, strategically, financially.","start_word":2065,"end_word":2091,"sentiment":"negative","sentiment_score":-0.4651273488998413},{"text":"And so I'm just kind of in the process of doing that now. Okay. I am like I said, I am hoping to, you know, secure full time employment Yeah. because I just don't think there's any way I can negotiate that with the organization I'm with, which is Yep.","start_word":2092,"end_word":2141,"sentiment":"neutral","sentiment_score":-0.09109976887702942},{"text":"a shame.","start_word":2142,"end_word":2143,"sentiment":"negative","sentiment_score":-0.44561928510665894},{"text":"But yeah. Okay. Because what I what I can sort of see, I guess, from just just a little bit we've talked about is, I guess, first and foremost, within the next twelve months, you're gonna have the two personal loan repayments free up. So Yep. what that's gonna mean and that, obviously, depending on how much that is that you pay per pay cycle, that's money that can be allocated to one of the two goals you had. Now you've already indicated that buying a house is a higher priority than the holiday, Yeah. being that it's priority number one. So, essentially speaking, what that means is we could look at doing first time super saver scheme style, investing to put that money away for for the home or you, you know, put it into an investment account or we look at, you know, just having, like, a a decently high high savings account personally. It just, like, I guess, depends on whether you feel you need the funds liquid or whether you need, you know, or whether you're comfortable to put that money away and not be able to touch it.","start_word":2144,"end_word":2336,"sentiment":"neutral","sentiment_score":0.09333717077970503},{"text":"I think, no. So that I'm way not comfortable doing that because yeah. I know that expenses come up.","start_word":2337,"end_word":2355,"sentiment":"negative","sentiment_score":-0.5915135145187378},{"text":"And then I'm like, oh, I've just got this sitting here. You know? This kind of like the I'll be able to top it up type thing. Yeah. I'll borrow from Peter, and I'll pay Paul back eventually, but Paul 100 never gets paid percent. Yeah. Yeah. Yeah. Exactly. Yep. Because Peter and Paul are the same people, you know. Yeah. Correct. It's They a they bit definitely crazy. are. Yeah. Yeah. But some some would say they're friends, but they're not. They're the same person. Yeah. No. That's That's right. do you know how much you pay for your loans each pay cycle? Oh, it's a lot of money. So my car loan is $4.53 a fortnight. And then one of the personal loans, the one that will be paid out early next year, I think it's I Yep. hope it's early next year, is around $3.17 a fortnight. And then my a n zed is $2.50 a fortnight, I think. So 2 that's where 50. most of my money goes. Three months. Yeah. That's fair. Because that's essentially a thousand dollars a fortnight that's going Yep. towards the loans. Yep. Now realistically speaking, the $2.50 and the $3.17, if that's freed up next year, that gives you 5 hun that that gives you more than half of that amount, I guess, back to you. Yeah. No. I had some the reason I, you know, like, got another loan is because I had additional income and I had support with the rent.","start_word":2356,"end_word":2608,"sentiment":"neutral","sentiment_score":0.021941151543568245},{"text":"So my, you know, like, my share of the rent was really, really minimal.","start_word":2609,"end_word":2622,"sentiment":"negative","sentiment_score":-0.3346751928329468},{"text":"So I did kind of have this extra money. And then, obviously, circumstances changed, and then it really affected me. Yeah. We we make the decisions based on a financial position at one time, and the financial position changes. Yeah. I've learned such really big lessons around money, and I just feel like I wish I knew this stuff earlier. You know, when you're kinda going through the yeah. It's the hard the hard bits of it. Yep. Yeah. The role of it all, and we we don't quite know what we don't know. Yeah. That's right. Yeah. Okay. Well, it's not unobtainable, because realistically speaking, you've been doing without the money on the personal loan for a while. Like, the money that you're putting towards the personal loan, you've been doing that for a while anyway. So what we could do is we could allocate a portion of that when the loans come up towards saving for a house, and we could utilize the first time 60% scheme as a possible methodology to do that, which it does lock the money away from you while it in because it's a a use of your superannuation fund, but it locks the money away from you for a while to be able to utilize an account that you can't touch. So there's Okay. no Peter Paul scenario, and it gives you, I guess, that that capacity to be able to do that. The the biggest issue I I I guess I'm currently running into is knowing exactly when those loans come up so we can, I guess, structure how to get that set up? So if you're able to look up the date, it doesn't Yeah. have to be now. I It also can you feel know? like yeah. I also feel like I honestly do feel like I'll have a different financial position by the end of the year as well. Like, I had Yes. a job interview a couple of weeks ago, and that was for a much higher pay scale, that role. And I'm just waiting to hear back from that. So I feel like once I hear back from that, I'll be able to be a bit more clear with you on dates and, you know, because I'll be able to increase your payments just to make sure that they're done and dusted, you know, quicker. And and then make and also, hopefully, look at being able to put some money aside for that, yeah, home guarantee thing. Yeah. Yeah. Alright. That's okay. We can always circle back in six months' time, and we can kind of readdress it then, which will give us, I guess, a little bit more flexibility knowledge on the way forward as well. But I think the the biggest thing for you probably at the moment, which is the change of circumstances and where things are going, is when those loans do come up, it's probably definitely building yourself a nice buffer in your cash flow. So having a bit of a savings account where you can have that, I guess, incidentals sitting there to deal with things that do pop up. So that way you're Yeah. not, I guess, constantly chasing your tail, finding yourself in the in the realm of needing to get a personal loan to Yeah. cover something. Yeah. 100%. And that's just the time. It's just it's we know it's coming. It's just we have to wait that time out and get those loans paid off. Absolutely, higher higher income's gonna help clear that off. But at the moment, we just, I guess, put along. So Yes. I guess today, we can sort of focus on where things are at with your super fund. Obviously, I'll cancel the insurance at at the moment, and we can circle back to that towards the beginning of next year when maybe maybe we could sort of put a six month calendar date in for that Yep. March period where we touch base, have a conversation about where things sit now, where your income is, whether we do need to still go ahead with the increase on the insurance application for the income protection, Okay. and Yep. and we can look at possible other savings avenues for getting that priority one goal.","start_word":2623,"end_word":3343,"sentiment":"neutral","sentiment_score":0.01077513390539754},{"text":"Like, actually start working towards it properly and not just it's a segment of our imagination or it's something we wanna achieve. We can actually start putting steps in place to achieve it. Yeah. That'd be really great.","start_word":3344,"end_word":3381,"sentiment":"positive","sentiment_score":0.41076797246932983},{"text":"Are we able to because my daughter and I have been talking about purchasing a property together, my oldest daughter and I. And so They're not is there 16 any way year to old? no. No. So I've got an older one. She's 25. Oh, okay. So we have 25, 16, 16, and nine.","start_word":3382,"end_word":3435,"sentiment":"neutral","sentiment_score":0.096239584463614},{"text":"Cool. Cool. Cool.","start_word":3436,"end_word":3438,"sentiment":"positive","sentiment_score":0.6287319660186768},{"text":"Yeah. Yep. And so her yeah. Her and I have been talking for some time about it, and I feel like I did say to her a couple of years ago, oh, you should talk to these guys. I was talking about you guys, and I was like, they can help you with your financial planning and, you know, insurances and all of this stuff.","start_word":3439,"end_word":3503,"sentiment":"neutral","sentiment_score":0.1894775927066803},{"text":"I was like, it's really good to learn about this stuff while you're young.","start_word":3504,"end_word":3517,"sentiment":"positive","sentiment_score":0.43294620513916016},{"text":"And because she's got secure employment. You know? She's with the public service. Just Yeah. taking a bit of a gap year this year to study. But, yeah, I just feel like is there any way that her and I can have a conversate like, a joint conversation about the home, you know, the home situation, or does it kind of need to be done me by myself? No. Okay. No. Absolutely. We can what we can do is we can do so there's there's one or two ways we can do it. I can have a conversation with her about just her and get, I guess, that baseline side thing like, side done exactly, like, as we've done for you. Exactly as we've done for you where we can, I guess, look at her super, her insurances, look at, you know, putting some budget planning together if she hasn't already looked at that previously, get that side of things, I guess, set up? And then come March, she'll be sort of in a similar position to you where she'll have a little bit more knowledge behind her belt. We'll have sorted that base baseline out, gotten a budget in place if she doesn't have one already, and then we'll be able to have a joint conversation in March. So that's option one. Option two is we can have a joint conversation, you, her, and us, and I can just either segment it to just the topics you're wanting to, so the scope of advice you wanna look at, which is joint Mhmm. budgeting and house planning advice, and then look at addressing her stuff later, or I can amalgamate it into the piece of advice with you guys joint. It just becomes Yeah. really Right. messy when I'm looking at her her very specific like, her super her insurance is her. It's not it Yep. has nothing to do with you. Yeah. Yeah. Yeah. But the budgeting, house planning, house purchase is where like, is the joint piece of advice. So, essentially speaking, she would end up with sort of two pieces of advice in the same area. One would be you and her, and one would be just her. And Okay. it's Yeah. it's Okay. totally up to you guys how you wanna do it.","start_word":3518,"end_word":3904,"sentiment":"neutral","sentiment_score":0.094056927553289},{"text":"I'm happy to connect with her now ish. I'm not saying today, but now and sort of get things moving.","start_word":3905,"end_word":3924,"sentiment":"positive","sentiment_score":0.540760338306427},{"text":"And even if it's just a touch base, hey. This is what we do. This is what we charge. This is how we operate. Do you wanna talk now or do you wanna talk later and go from there? And you can either pass our contact details on, or if you want, you can give me her her name, phone number, email address, and I can reach out to her and be like, hey. Mumsy gave me your details and Yeah. blah blah blah. Yeah. Well, I'm catching up with her this weekend, so I'll have a yarn to her about it and then see what she reckons. But and then I'll I might just pass your details on to her. Yeah. I can pop it all Yeah. in an email for you so that way Oh, you have yeah. something That'd to talk be about and great. you can just respond to it. Yeah. Yeah.","start_word":3925,"end_word":4080,"sentiment":"neutral","sentiment_score":0.12624980509281158},{"text":"That would be great. Perfect.","start_word":4081,"end_word":4085,"sentiment":"positive","sentiment_score":0.5305156111717224},{"text":"Alright. Well, I guess, what what I what I have to go through today is I'm just trying to pull it up because I dropped it. Silly. What I have to go through today is, I guess, what's called your annual review. So it's Yep. where we go through your, like, your account as it currently stands, and I I have, like, a bit of a review pack for you of just documents that shows the performance, how things are are situated. We can kinda talk about where the investments lie with your account currently and whether there's any possible movements that I can identify you wanna look at incorporating in the account. Okay.","start_word":4086,"end_word":4199,"sentiment":"neutral","sentiment_score":0.056910740505707894},{"text":"I'm just trying to bring it up, and it's being a pain. Because computers are friends today.","start_word":4200,"end_word":4216,"sentiment":"negative","sentiment_score":-0.5211814641952515},{"text":"Yeah. No. I have the same problem. I've we're traveling for an eighteenth, and I've been trying to recover photos from old laptops and desktops.","start_word":4217,"end_word":4241,"sentiment":"neutral","sentiment_score":-0.2496531754732132},{"text":"And it's like, my office is crazy at the moment. It's just got laptops and old desktops everywhere because, you know, you can't throw anything out.","start_word":4242,"end_word":4267,"sentiment":"negative","sentiment_score":-0.3956861793994904},{"text":"Jeez. Well, I can't anyway. No. Not at all. Oh, I get it. Crazy. And I you know, like, I did live out I did live remotely for ages. So I was like, oh, I'll, you know, like, get all of the photos and everything I need extracted off, you know, these laptops so I can dispose of them when I moved to a city. And I've been here for nearly two No. years now, and I still haven't done it. Anyways, I'll get around to it. No. I I get it. Sometimes life just takes takes precedent, and you just end up with a bunch of doc a bunch of of of extra stuff Yeah. lying Yeah. around and Yeah. nothing. I know. It's I'm looking. Oh, okay. Well, it's I don't know what's happening with the computer, but it's being a pain. But I'll I'll I'll be able to send them to you at the conclusion. I'm just it's not sending to you for some ungodly reason, but I'll go through the documents with you, and Yep. and we can go and and I'll I'll work out what's happening and get them sent. But the essentially speaking, you're you're Nothing's working.","start_word":4268,"end_word":4470,"sentiment":"neutral","sentiment_score":-0.11889034696840887},{"text":"Everything's frozen. If everything's broken, Kylene.","start_word":4471,"end_word":4476,"sentiment":"negative","sentiment_score":-0.5190847516059875},{"text":"Oh, no. There we go. Your your Hub twenty four account stands at, like, a $128,000 today. The insurance that you hold has increased a little bit since we last spoke to you, just the CPI when it went through its renewal. So it's increased, and the life insurance stands at $701,045. PPD Yeah. or total permanent facility is the same. The income protection stands at $7,352 a month, and it's got a 30 day wait, five year benefit period. Okay. Now, realistically speaking, with respect to your your investments within the your your superannuation fund, I have identified a couple of areas that we probably do need to look at making some movements on. Okay. And they sort of so two of the accounts, they're managed funds. One of them, the performance hasn't been fantastic, specifically with regards to the fee that they charge in the underlying investment. So what I wanna do is I'm not trying to chase performance, but I'm just trying to kind of, I guess, clean it up a little bit to get a better underlying cost base to the overall portfolio, so the overall investments, while also looking at sort of at least trying to to get some decent investment returns happening. The Benelong so it's a it's a Benelong investment. It was tracking really, really well a few years ago, but it's just been hit. Like, the Australian market got hit a little bit, and it just hasn't quite bounced back the way I'd like it to. Yep. So what I wanna do is basically offload that investment and look at alternatives within the Australian equities market that we can incorporate in. Second to that, there's a couple of, I guess, underlying funds. I just wanna kinda shake things up a little bit and just incorporate some new to the actual investment itself, diversify Mhmm. out a little bit more just so we can capture more of the market, Mhmm. then one of your assets, which is a banking hybrid. Now banking hybrid and this investment has been doing well. Don't get me wrong. But banking hybrids legislatively have actually been terminated as an investment style, and they're set to roll off from an investment perspective twenty twenty thirty one. I have to get it right. I keep saying 2021. 2031. So it's in five years. But, essentially, at the moment, it is performing well. And, realistically speaking, it could go through some volatility, especially coming closer to that 2031 roll off point. Okay. And rather than hold on to it and then have the investment manager migrate you into a a fund that we're not we haven't chosen, we're not comfortable with, whatever the case may be, I would rather I'd rather be able to make the decision ourselves and actually pick where we wanna migrate to. And that Yep. way we have control over it rather than just allowing it to bait. Yeah.","start_word":4477,"end_word":4968,"sentiment":"neutral","sentiment_score":-0.014804297308551102},{"text":"I'm supportive So of that, but thank you. cool.","start_word":4969,"end_word":4977,"sentiment":"positive","sentiment_score":0.3650067448616028},{"text":"So they're sort of the ones I wanna really target. So diversification, just decreasing some of the overall costs and getting rid of things that are being phased out. All in all, the fund has still pulled a return. So we're sitting at 4.64% and, like, for the for the year after fees, that Better Long Fund's being the massive drag to it. So offloading that's going to let us flip that around and get that cleaned up. Okay. So what I wanna do is within the next two weeks is get this it's it's gonna be very scoped based on what we've talked about today. So looking at, I guess, in in six months, looking at the property advice and cash flow side of things. So that's, you know, March next year. We're not going ahead with the insurance stuff, but just very specifically looking at the investments underlying within the Superfund. I wanna be able to get that advice drawn up and get it out to you within within two weeks. Okay. So that way, we can get that get that moving and happening. But Mhmm. are you okay if I focus on that as an advice piece rather than anything else? Is there anything else else that you, I guess, specifically want to look at or if there's anything else that you No.","start_word":4978,"end_word":5203,"sentiment":"neutral","sentiment_score":0.07050003981695765},{"text":"That's really great.","start_word":5204,"end_word":5206,"sentiment":"positive","sentiment_score":0.3457312285900116},{"text":"could I've identify? been no. That's really great actually because I've been wanting to touch base with you guys about my superannuation because I keep and I don't know, you know, like, I don't know much about stocks or anything, but I do kind of take notice of what's going on and what's being said on social media.","start_word":5207,"end_word":5264,"sentiment":"neutral","sentiment_score":0.30016157031059265},{"text":"So I just kind of wanted to check-in with you guys to make sure that, you know, like, where my, I guess yeah. Where my superannuation is held is kind of safe and, you know, is the investments pulling returns and things like that. So happy happy for Yeah.","start_word":5265,"end_word":5313,"sentiment":"positive","sentiment_score":0.39927181601524353},{"text":"this yep. Well, I'm already there for you. Yep. So, ultimately, today, I guess, what I'm gonna do is I'm gonna from the takeaway of everything, update your file with all of your new details. I I recorded four kids, not three. Three dependents, one not. I'll send you an email today with a just, I guess, a about overview information guide so that way you can talk to your daughter about it. And and I'll set a a calendar meeting for sort of that March period where we'll reach out to you in March to do that touch point. But are you okay if I put in my calendar now for two weeks from today? So that would be Thursday, the first of could I would it be okay if I go Wednesday, the thirtieth, if that's okay? Yeah. That should work. Yeah. September 30. Just I've I've booked annually for the October 1. It's my ten year wedding anniversary, so I'm That's not gonna alright. put Do myself we need in a position to sorry. of of Are we calling having a you. face are we have will we be having a conversation again on Yeah. the third But of it'll it? it'll be much much quicker than today. It'll just be, hey. I've picked these stock options for these reasons. Are you okay with that? Here's my advice. Here's how things have changed. Let's go type Okay. of Can situation. we lock in the twenty eighth? Yeah. Absolutely. Yeah. Monday, the twenty eighth. Done. Yeah. Would Monday. you be okay Awesome. with the afternoon? Yeah. Afternoon's perfect. Anytime Would you after like anytime after 01:30 works for me. Perfect. 02:00 it is.","start_word":5314,"end_word":5598,"sentiment":"neutral","sentiment_score":0.10940011645618238},{"text":"Cool. Cool. Thank What I'll do you.","start_word":5599,"end_word":5605,"sentiment":"positive","sentiment_score":0.4700489938259125},{"text":"is I'll pop it in the calendar, and I'll send you an invite to it as well.","start_word":5606,"end_word":5622,"sentiment":"neutral","sentiment_score":0.3313131332397461},{"text":"So it'll pop into your calendar, so that way you have that invite.","start_word":5623,"end_word":5635,"sentiment":"positive","sentiment_score":0.3333967626094818},{"text":"Now for today, I do have that pack of documents to send to you. So you have a rundown of everything. It's a it's your certificate of currency for your for your insurance policy. It's a performance report for your super fund. An overview, it does have the index the the index chart. So it just shows how investments over the last from 1996, basically, Okay. so thirty years, have operated in different classes. So from cash to CPI to Australian bonds all the way through K. to, you know, US shares just to show how market fluctuation works.","start_word":5636,"end_word":5734,"sentiment":"neutral","sentiment_score":0.1413002610206604},{"text":"It's a really it's just a really nice graph, honestly.","start_word":5735,"end_word":5744,"sentiment":"positive","sentiment_score":0.5069594979286194},{"text":"It does also include our, like, Oakview's ongoing servicing agreement as well. So it enables us to continue being your adviser on your account and the fees associated with it, which is $2,223.70 for the annum, which is broken up across the year. Okay.","start_word":5745,"end_word":5788,"sentiment":"neutral","sentiment_score":0.20219075679779053},{"text":"Perfect.","start_word":5789,"end_word":5789,"sentiment":"positive","sentiment_score":0.3699274063110352},{"text":"So I'll get that sent to you once I figure out why my computer is not emailing it to you. I'll get my notes in, update your file, and get working on the investment slip ready for the twenty eighth. Okay. No worries.","start_word":5790,"end_word":5832,"sentiment":"neutral","sentiment_score":0.2330614328384399},{"text":"Thank you so much.","start_word":5833,"end_word":5836,"sentiment":"positive","sentiment_score":0.5916044116020203},{"text":"No. That's okay. Were there any other questions or anything else that you had for today? Or No. perfect.","start_word":5837,"end_word":5855,"sentiment":"neutral","sentiment_score":0.14037254452705383},{"text":"Well, cool.","start_word":5856,"end_word":5857,"sentiment":"positive","sentiment_score":0.5537072420120239},{"text":"Well, I will talk to you in a week and a half, and we'll go from there. Alright.","start_word":5858,"end_word":5875,"sentiment":"neutral","sentiment_score":0.19453755021095276},{"text":"No worries. You have a good rest of Yes.","start_word":5876,"end_word":5884,"sentiment":"positive","sentiment_score":0.4720867872238159},{"text":"I will. I think your after I get all my notes in, day. it might be some lunch. Yeah. But I'm you the have same.","start_word":5885,"end_word":5909,"sentiment":"neutral","sentiment_score":0.17145390808582306},{"text":"a good one. You too.","start_word":5910,"end_word":5914,"sentiment":"positive","sentiment_score":0.4577569663524628},{"text":"Bye. Bye, Kylene. Bye. Bye.","start_word":5915,"end_word":5919,"sentiment":"neutral","sentiment_score":0.15646176040172577}],"average":{"sentiment":"neutral","sentiment_score":0.04499898986448281}}}}