{"metadata":{"transaction_key":"deprecated","request_id":"1fcc42d7-f2a6-4361-9ec6-b4018a807856","sha256":"c40d598a5c20348baf3dd39e5e167a66efa434ab913b7b448df8cd5fc289efdd","created":"2026-03-31T02:20:24.501Z","duration":1103.0399,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4866,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5335,"output_tokens":5346},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5335,"output_tokens":396}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. This is Carl calling from Oakview Financial. Hi, Lynn. It it's Kyle. How are you today? Yeah. Not too bad. Thanks for asking. I had you scheduled in for a bit of a catch up if now is still a good time for you. Perfect. If I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day too. Perfect. Thank you for that. Now I had you scheduled in for a bit of a follow-up just in regards to insurances. You wanted to speak to your partner before potentially looking at any form of, like, reduction or anything like that. And I was wondering if you've had a chance to have that discussion or not. So in regards to the different types, you've got that trauma cover, which is, like, your crisis recovery listed by AIA there. That one is like a separately linked policy. So within regards to that, you could change that benefit amount as well. You could leave it alone. You don't have to touch it. Same within regards, like, your life and TPD. The linked TPD is to the life, so you'd have to if you reduce the lifetime, would have to reduce the TPD because the TPD amount can't equal more than the life cover. But you can look at sort of having less TPD and more life as an option, and then you can also look at adjusting the income protection there as well. So you could like, those are the the three So you could like, those are the the three or four types of cover that you could look to adjust, and then it would just sort of depend on, like, how much you were reducing that by. If you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect cost. Trauma's the out of pocket one that you pay around the $200 per month, therefore. And have you had a thought about, like, how much you'd like to be covered for in regards to anything did happen? Yeah. I can yeah. We can just I can once you get the amount so I can do a quote there for for $8.50. And then the way that insurance works generally in the cost of, like, the 250 increments under a million dollars. There might be some sort of, like, cost savings. It like, it's a weird sort of way in which they calculate it. So I can do a quote for $8.50. I can do one for $7.50 for life and TPD just to show you what the the difference might look like. And then in regards to the income protection, were you looking at changing that at all? Are you happy with those cover amount? So the the income protection is the one that costs the most at the moment, and you're covered for a monthly benefit around $5,893, but you can only cover for up to 70% of your current income. It might be a bit different given your policy is a bit older, so I'd have to, like, double check. But at the moment, because you're on the 72,000 roughly as a annual figure, you might not be able to claim on all of that. So would you, like, be interested to see once we sort of find out what that cover is just covering for the max you can actually claim on so you're not paying for cover that you can't actually claim on? Yeah. Yeah. It it depends. I'll have to look at the policy because it is an older policy given that you've had it for quite some time. So we can have a look at that and just do it up to a claimable amount. And then as far as the benefit period and the waiting period, now the waiting period is thirty days, which is quite standard for someone that wants a bit more comprehensive cover. And then from there, you can push that to, like, sixty and ninety depending on how comfortable you are with sort of maintaining your expenses with the, like, two months. That's yes. Yeah. That's not a problem at all. And then the last bit there is you've got a benefit period to the age of 65, which means that if you were to end up on a claim, you could claim all the way up to 65 as a benefit amount, or you could look to having that reduced down to, like, five years so that if you're on a claim, it would only pay up to five years as opposed to all the way up until the age of 65 is another option to look at reducing costs. Yep. Not not a problem at all there. And you're happy keeping the trauma amount as the the same? You don't wanna look at changing that at all? Just because we're getting quotes anyway, we could just look at a quote down to, like, $1.50 or 100 to see what the the price difference might look like for you. Well, that one's out of pocket, so that would be your out of pocket cost one. Yeah. Because I believe March 23 is when it sort of renews for for that one. So that's only just occurred there. So, yeah, that would have been the last time we spoke, actually. And then as far as anything else in regards to so if you're looking at those few quotes, they will get those, and you can have a look at those and make a decision to sort of see if the price difference is worth that. But, obviously, the insurance is getting quite high. And have you thought about given your policies are older, they're probably a little bit more comprehensive. Have you thought about potentially just looking at rewriting given that you sort of don't have any health issues at the moment, or are you happy to just paying the higher amount for your policy that you hold in the event that anything did happen? Or So within regards to that one, we could get you booked in for, like, a pre assessment just to see, like, what in regards to your health, occupation, family history. Because this policy was done in 2015. That's, like, one of the reasons it is quite expensive. So I can get you booked in for a yeah. Are you so so you've had this probably since before you were with OP Financial. And then with in regards to that one, obviously, the older PDF documents for these insurances are generally a bit more comprehensive for the older insurances. But in saying that by looking at revisiting the market, they might be considerably cheaper as well. So that is an option as opposed to just doing the reduction. So we could go down that route and just have a review of that and see based on sort of any sort of conditions you might currently have what they'll offer new cover at and then the the trade off with that as well. Yep. So I can get you booked in for that pre assessment just to be able to go through that. Is what sort of are afternoon sort of better for you generally? Or okay. So so maybe even the same time tomorrow around 12:00, I could get you booked in for pre assessment to be able to complete that one. Yeah. It just runs through like a like a question. It's predetermined for, like, your occupation, a little bit more about your job, a little bit about your family history, and a little bit about your own medical history, and then some hobbies and things like that. If you don't have any sort of outstanding or sort of health issues, it generally goes pretty quickly between that fifteen to twenty minutes sort of mark. Yep. And then if it works out, it's sort of it's in your best interest to keep your your current policy. That's not a problem at all. At least you've done the check to see if you can get something cheaper for something that's more comparative. Not a problem. And then as far as the goals that you're looking to do, did you wanna sort of run through updating your goals and things like that now, or you wanna do that sort of after we have the pre assessment and have a bit of more of an insurance discussion around that? So apart from, like, your long term goals, you sort of just mainly focus on the cost of living and your mortgage repayment? Yep. Complete it. I'm trying to get that sorted. Yeah. No. A 100%. That that's that's understandable. And then the only thing that I'll do, the this call there for you so you're not on the phone too long there, is just confirm your risk profile and go through those questions there for you. So in regards to investments, have you ever made any direct share investments since we, like, like yeah. Okay. That's not fine. And then as far as, like, obviously, that cost of living and having, obviously, things go up and inflation going up there as well, are you still willing to take on that higher amount of risk to try and outpace inflation? So you'd say you'd say you're a bit more moderate now with how everything is at the moment? Yeah. No. That's understandable. And then as far as, like, with the decreases or if your portfolio did decrease more over the next sort of six months given what is happening with the war on that, would you still hold and wait for improvement? Like, you wouldn't make sort of any rash changes of wanting to sell down the cash or anything like that? Yeah. Because with that, they can obviously do a review of your investments with that, given your portfolio is a bit older as well, given your time on board and just looking at doing, like, any sort of refresh since your time on board within regards to that when reviewing those insurances as well. And then as far as, like, your your super dropping, obviously, that makes you a little cautious. But do you have any other concerns? Obviously, you got a quite a bit of time till retirement. Is it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at Yeah. And then part of that, once you do the the pre assessments there, we might be able to get the same level of cover without any exclusions or loadings for a lot cheaper price given that the time you hold it. You might lose some benefits, but that will help sort of moving forward there as well because it's only gonna go up in premium and price, and you don't wanna be paying, like, over $10 for insurances for the next ten years as well. Yeah. Exactly right. And then within regards to borrowed money there, would you sort of ever borrow outside of the property, like, for any sort of investments and things if circumstances were different? Obviously, like, with cost of living, would you ever have a loan for, like, an investment portfolio? Or yeah. Yep. No. Understandable. And that does bring you out as a growth investor based on those answers. So around an 8020 split of, like, growth assets to defensive assets. Now you're currently in a high growth portfolio. Do you feel like you'd still be comfortable in a high growth portfolio moving forward given your time to retirement, or you want to look at going down to a growth portfolio? Be it being a little bit more defensive? Yep. No. Understandable. So within regards to that, once you go through your pre assessment and we get you those quotes to be able to have a look and see what the insurers come back with, then we can look at reducing your exposure in the market as well as doing an update there for you. And then we can do that all in conjunction. But is there any other things that you wanna address or any concern other concerns that you did have there, Lynne, or is it mainly the you're just investment exposure and your insurances? Yeah. With everything that did happen, I'll just have a quick look with in regards to report. I think it was down just a few percent. So given that you have that high allocation to that Bandalong Fund, that did have quite a bad year. And then with the WAR as well, I think it's down about 5% over the last twelve months. So we'll look at trying to update your portfolio there and reduce your insurance cost because it is quite a cost that comes out of your insure like, your superannuation there when you're paying $10 worth of insurance cost as well. Yeah. I think your deposits are a bit over the the 10, so we definitely want to look at trying to get those down for you as well. But any anything else that you're sort of looking at addressing, or is that largely it? Yeah. Yeah. Okay. Perfect. And then just a few other random questions there. But have you ever declared bank I know this is a bit random, but have you ever declared bankruptcy and a part nine debt agreement at all in? Yep. And do you have private health cover at the moment as well? Yeah. Yeah. That's fine. And are you a tax resident for anywhere but Australia at the moment? Yep. And yeah. Yeah. Like another country. Not like a different state. And then you don't have any family in politics? You're not involved in any sort of political campaigns or anything like that? Yeah. It's just to do with, like, anti money laundering law and a little bit of security as well for people that are in those spaces. So that's fine. Yeah. Not a problem at all. But do you have any other questions or concerns in regards to anything there, Lynn, from what I've covered, or are you happy to do that pre assessment and start that process? Not a problem at all, Lynn. Well, thank you for your time today. I've got you booked in there for tomorrow. They're the same time just to go over that pre assessment there, and I'll get that sent off, and then you can have a discussion around sort of replacing your current cover versus just reducing the cover amounts once those quotes are back as well. No. Because once we do that, we have to send it off to the insurer and get, like, their responses and how they'd rate you in terms of cover. And then given you've got an older policy, generally, they can take up to, like, a week or so to get their quotes back in terms of yeah. Just because, like, the newer PDFs is they can just put it through their softwares, where the older ones, they sort of have to do manual calculation. Yeah. A little bit. Because it yeah. The older ones are generally quite a bit more comprehensive, but we'll get a wriggle on that for you there, Lynn. But is there anything else there while you got me today? No problem at all. Thanks for your time today. I'll speak to you soon, I'm sure. Thanks, Lynn. 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This is Carl calling from Oakview Financial. Hi, Lynn. It it's Kyle. How are you today?\n\nYeah. Not too bad. Thanks for asking. I had you scheduled in for a bit of a catch up if now is still a good time for you. Perfect.\n\nIf I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day too. Perfect. Thank you for that. Now I had you scheduled in for a bit of a follow-up just in regards to insurances. You wanted to speak to your partner before potentially looking at any form of, like, reduction or anything like that.\n\nAnd I was wondering if you've had a chance to have that discussion or not. So in regards to the different types, you've got that trauma cover, which is, like, your crisis recovery listed by AIA there. That one is like a separately linked policy. So within regards to that, you could change that benefit amount as well. You could leave it alone.\n\nYou don't have to touch it. Same within regards, like, your life and TPD. The linked TPD is to the life, so you'd have to if you reduce the lifetime, would have to reduce the TPD because the TPD amount can't equal more than the life cover. But you can look at sort of having less TPD and more life as an option, and then you can also look at adjusting the income protection there as well. So you could like, those are the the three So you could like, those are the the three or four types of cover that you could look to adjust, and then it would just sort of depend on, like, how much you were reducing that by.\n\nIf you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect cost. Trauma's the out of pocket one that you pay around the $200 per month, therefore. And have you had a thought about, like, how much you'd like to be covered for in regards to anything did happen? Yeah. I can yeah.\n\nWe can just I can once you get the amount so I can do a quote there for for $8.50. And then the way that insurance works generally in the cost of, like, the 250 increments under a million dollars. There might be some sort of, like, cost savings. It like, it's a weird sort of way in which they calculate it. So I can do a quote for $8.50.\n\nI can do one for $7.50 for life and TPD just to show you what the the difference might look like. And then in regards to the income protection, were you looking at changing that at all? Are you happy with those cover amount? So the the income protection is the one that costs the most at the moment, and you're covered for a monthly benefit around $5,893, but you can only cover for up to 70% of your current income. It might be a bit different given your policy is a bit older, so I'd have to, like, double check.\n\nBut at the moment, because you're on the 72,000 roughly as a annual figure, you might not be able to claim on all of that. So would you, like, be interested to see once we sort of find out what that cover is just covering for the max you can actually claim on so you're not paying for cover that you can't actually claim on? Yeah. Yeah. It it depends.\n\nI'll have to look at the policy because it is an older policy given that you've had it for quite some time. So we can have a look at that and just do it up to a claimable amount. And then as far as the benefit period and the waiting period, now the waiting period is thirty days, which is quite standard for someone that wants a bit more comprehensive cover. And then from there, you can push that to, like, sixty and ninety depending on how comfortable you are with sort of maintaining your expenses with the, like, two months. That's yes.\n\nYeah. That's not a problem at all. And then the last bit there is you've got a benefit period to the age of 65, which means that if you were to end up on a claim, you could claim all the way up to 65 as a benefit amount, or you could look to having that reduced down to, like, five years so that if you're on a claim, it would only pay up to five years as opposed to all the way up until the age of 65 is another option to look at reducing costs. Yep. Not not a problem at all there.\n\nAnd you're happy keeping the trauma amount as the the same? You don't wanna look at changing that at all? Just because we're getting quotes anyway, we could just look at a quote down to, like, $1.50 or 100 to see what the the price difference might look like for you. Well, that one's out of pocket, so that would be your out of pocket cost one. Yeah.\n\nBecause I believe March 23 is when it sort of renews for for that one. So that's only just occurred there. So, yeah, that would have been the last time we spoke, actually. And then as far as anything else in regards to so if you're looking at those few quotes, they will get those, and you can have a look at those and make a decision to sort of see if the price difference is worth that. But, obviously, the insurance is getting quite high.\n\nAnd have you thought about given your policies are older, they're probably a little bit more comprehensive. Have you thought about potentially just looking at rewriting given that you sort of don't have any health issues at the moment, or are you happy to just paying the higher amount for your policy that you hold in the event that anything did happen? Or So within regards to that one, we could get you booked in for, like, a pre assessment just to see, like, what in regards to your health, occupation, family history. Because this policy was done in 2015. That's, like, one of the reasons it is quite expensive.\n\nSo I can get you booked in for a yeah. Are you so so you've had this probably since before you were with OP Financial. And then with in regards to that one, obviously, the older PDF documents for these insurances are generally a bit more comprehensive for the older insurances. But in saying that by looking at revisiting the market, they might be considerably cheaper as well. So that is an option as opposed to just doing the reduction.\n\nSo we could go down that route and just have a review of that and see based on sort of any sort of conditions you might currently have what they'll offer new cover at and then the the trade off with that as well. Yep. So I can get you booked in for that pre assessment just to be able to go through that. Is what sort of are afternoon sort of better for you generally? Or okay.\n\nSo so maybe even the same time tomorrow around 12:00, I could get you booked in for pre assessment to be able to complete that one. Yeah. It just runs through like a like a question. It's predetermined for, like, your occupation, a little bit more about your job, a little bit about your family history, and a little bit about your own medical history, and then some hobbies and things like that. If you don't have any sort of outstanding or sort of health issues, it generally goes pretty quickly between that fifteen to twenty minutes sort of mark.\n\nYep. And then if it works out, it's sort of it's in your best interest to keep your your current policy. That's not a problem at all. At least you've done the check to see if you can get something cheaper for something that's more comparative. Not a problem.\n\nAnd then as far as the goals that you're looking to do, did you wanna sort of run through updating your goals and things like that now, or you wanna do that sort of after we have the pre assessment and have a bit of more of an insurance discussion around that? So apart from, like, your long term goals, you sort of just mainly focus on the cost of living and your mortgage repayment? Yep. Complete it. I'm trying to get that sorted.\n\nYeah. No. A 100%. That that's that's understandable. And then the only thing that I'll do, the this call there for you so you're not on the phone too long there, is just confirm your risk profile and go through those questions there for you.\n\nSo in regards to investments, have you ever made any direct share investments since we, like, like yeah. Okay. That's not fine. And then as far as, like, obviously, that cost of living and having, obviously, things go up and inflation going up there as well, are you still willing to take on that higher amount of risk to try and outpace inflation? So you'd say you'd say you're a bit more moderate now with how everything is at the moment?\n\nYeah. No. That's understandable. And then as far as, like, with the decreases or if your portfolio did decrease more over the next sort of six months given what is happening with the war on that, would you still hold and wait for improvement? Like, you wouldn't make sort of any rash changes of wanting to sell down the cash or anything like that?\n\nYeah. Because with that, they can obviously do a review of your investments with that, given your portfolio is a bit older as well, given your time on board and just looking at doing, like, any sort of refresh since your time on board within regards to that when reviewing those insurances as well. And then as far as, like, your your super dropping, obviously, that makes you a little cautious. But do you have any other concerns? Obviously, you got a quite a bit of time till retirement.\n\nIs it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at Yeah. And then part of that, once you do the the pre assessments there, we might be able to get the same level of cover without any exclusions or loadings for a lot cheaper price given that the time you hold it. You might lose some benefits, but that will help sort of moving forward there as well because it's only gonna go up in premium and price, and you don't wanna be paying, like, over $10 for insurances for the next ten years as well. Yeah. Exactly right.\n\nAnd then within regards to borrowed money there, would you sort of ever borrow outside of the property, like, for any sort of investments and things if circumstances were different? Obviously, like, with cost of living, would you ever have a loan for, like, an investment portfolio? Or yeah. Yep. No.\n\nUnderstandable. And that does bring you out as a growth investor based on those answers. So around an 8020 split of, like, growth assets to defensive assets. Now you're currently in a high growth portfolio. Do you feel like you'd still be comfortable in a high growth portfolio moving forward given your time to retirement, or you want to look at going down to a growth portfolio?\n\nBe it being a little bit more defensive? Yep. No. Understandable. So within regards to that, once you go through your pre assessment and we get you those quotes to be able to have a look and see what the insurers come back with, then we can look at reducing your exposure in the market as well as doing an update there for you.\n\nAnd then we can do that all in conjunction. But is there any other things that you wanna address or any concern other concerns that you did have there, Lynne, or is it mainly the you're just investment exposure and your insurances? Yeah. With everything that did happen, I'll just have a quick look with in regards to report. I think it was down just a few percent.\n\nSo given that you have that high allocation to that Bandalong Fund, that did have quite a bad year. And then with the WAR as well, I think it's down about 5% over the last twelve months. So we'll look at trying to update your portfolio there and reduce your insurance cost because it is quite a cost that comes out of your insure like, your superannuation there when you're paying $10 worth of insurance cost as well. Yeah. I think your deposits are a bit over the the 10, so we definitely want to look at trying to get those down for you as well.\n\nBut any anything else that you're sort of looking at addressing, or is that largely it? Yeah. Yeah. Okay. Perfect.\n\nAnd then just a few other random questions there. But have you ever declared bank I know this is a bit random, but have you ever declared bankruptcy and a part nine debt agreement at all in? Yep. And do you have private health cover at the moment as well? Yeah.\n\nYeah. That's fine. And are you a tax resident for anywhere but Australia at the moment? Yep. And yeah.\n\nYeah. Like another country. Not like a different state. And then you don't have any family in politics? You're not involved in any sort of political campaigns or anything like that?\n\nYeah. It's just to do with, like, anti money laundering law and a little bit of security as well for people that are in those spaces. So that's fine. Yeah. Not a problem at all.\n\nBut do you have any other questions or concerns in regards to anything there, Lynn, from what I've covered, or are you happy to do that pre assessment and start that process? Not a problem at all, Lynn. Well, thank you for your time today. I've got you booked in there for tomorrow. They're the same time just to go over that pre assessment there, and I'll get that sent off, and then you can have a discussion around sort of replacing your current cover versus just reducing the cover amounts once those quotes are back as well.\n\nNo. Because once we do that, we have to send it off to the insurer and get, like, their responses and how they'd rate you in terms of cover. And then given you've got an older policy, generally, they can take up to, like, a week or so to get their quotes back in terms of yeah. Just because, like, the newer PDFs is they can just put it through their softwares, where the older ones, they sort of have to do manual calculation. Yeah.\n\nA little bit. Because it yeah. The older ones are generally quite a bit more comprehensive, but we'll get a wriggle on that for you there, Lynn. But is there anything else there while you got me today? No problem at all.\n\nThanks for your time today. I'll speak to you soon, I'm sure. Thanks, Lynn. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":6.3999996,"end":6.56,"sentiment":"neutral","sentiment_score":0.04630377888679504},{"text":"This is Carl calling from Oakview Financial.","start":6.56,"end":8.66,"sentiment":"neutral","sentiment_score":0.046039770756449015},{"text":"Hi, Lynn.","start":15.615,"end":16.255001,"sentiment":"neutral","sentiment_score":0.20839564502239227},{"text":"It it's Kyle.","start":16.255001,"end":17.215,"sentiment":"neutral","sentiment_score":0.24291394650936127},{"text":"How are you today?","start":17.215,"end":18.115,"sentiment":"neutral","sentiment_score":0.30567147582769394}],"sentiment":"neutral","sentiment_score":0.16098830629797542,"num_words":17,"start":6.3999996,"end":18.115},{"sentences":[{"text":"Yeah.","start":19.775,"end":20.175,"sentiment":"neutral","sentiment_score":0.2440427988767624},{"text":"Not too bad.","start":20.175,"end":20.895,"sentiment":"neutral","sentiment_score":0.25366250177224475},{"text":"Thanks for asking.","start":20.895,"end":21.535,"sentiment":"positive","sentiment_score":0.5411801735560099},{"text":"I had you scheduled in for a bit of a catch up if now is still a good time for you.","start":21.535,"end":24.72,"sentiment":"neutral","sentiment_score":0.23005025798366183},{"text":"Perfect.","start":26.88,"end":27.359999,"sentiment":"positive","sentiment_score":0.5183994770050049}],"sentiment":"neutral","sentiment_score":0.2751043351559803,"num_words":29,"start":19.775,"end":27.359999},{"sentences":[{"text":"If I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day too.","start":27.359999,"end":32.019997,"sentiment":"neutral","sentiment_score":0.19345136502614388},{"text":"Perfect.","start":39.935,"end":40.255,"sentiment":"positive","sentiment_score":0.4540842175483704},{"text":"Thank you for that.","start":40.255,"end":41.315002,"sentiment":"positive","sentiment_score":0.5539732947945595},{"text":"Now I had you scheduled in for a bit of a follow-up just in regards to insurances.","start":41.855,"end":46.495003,"sentiment":"neutral","sentiment_score":0.053609167061307854},{"text":"You wanted to speak to your partner before potentially looking at any form of, like, reduction or anything like that.","start":46.495003,"end":52.22,"sentiment":"neutral","sentiment_score":-0.012199933268129825}],"sentiment":"neutral","sentiment_score":0.12304514797185273,"num_words":68,"start":27.359999,"end":52.22},{"sentences":[{"text":"And I was wondering if you've had a chance to have that discussion or not.","start":52.22,"end":56.32,"sentiment":"neutral","sentiment_score":-0.014304279411832491},{"text":"So in regards to the different types, you've got that trauma cover, which is, like, your crisis recovery listed by AIA there.","start":73.93,"end":82.25,"sentiment":"neutral","sentiment_score":-0.028218887915665455},{"text":"That one is like a separately linked policy.","start":82.25,"end":84.670006,"sentiment":"neutral","sentiment_score":0.011843549087643623},{"text":"So within regards to that, you could change that benefit amount as well.","start":84.810005,"end":88.745,"sentiment":"neutral","sentiment_score":0.050524603288907274},{"text":"You could leave it alone.","start":88.745,"end":89.865,"sentiment":"neutral","sentiment_score":0.06020293682813645}],"sentiment":"neutral","sentiment_score":0.003447669750404736,"num_words":63,"start":52.22,"end":89.865},{"sentences":[{"text":"You don't have to touch it.","start":89.865,"end":91.325,"sentiment":"neutral","sentiment_score":0.011556446552276611},{"text":"Same within regards, like, your life and TPD.","start":91.545,"end":93.805,"sentiment":"neutral","sentiment_score":0.0038199551636353135},{"text":"The linked TPD is to the life, so you'd have to if you reduce the lifetime, would have to reduce the TPD because the TPD amount can't equal more than the life cover.","start":94.025,"end":106.24,"sentiment":"neutral","sentiment_score":-0.014052578389193073},{"text":"But you can look at sort of having less TPD and more life as an option, and then you can also look at adjusting the income protection there as well.","start":107.1,"end":113.29428,"sentiment":"neutral","sentiment_score":0.041206274181604385},{"text":"So you could like, those are the the three So you could like, those are the the three or four types of cover that you could look to adjust, and then it would just sort of depend on, like, how much you were reducing that by.","start":113.29428,"end":124.685005,"sentiment":"neutral","sentiment_score":0.026580705894562212}],"sentiment":"neutral","sentiment_score":0.017033040084368813,"num_words":123,"start":89.865,"end":124.685005},{"sentences":[{"text":"If you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect cost.","start":125.145004,"end":139.8,"sentiment":"neutral","sentiment_score":-0.013171018310822546},{"text":"Trauma's the out of pocket one that you pay around the $200 per month, therefore.","start":139.8,"end":144.86,"sentiment":"neutral","sentiment_score":-0.10064665923515956},{"text":"And have you had a thought about, like, how much you'd like to be covered for in regards to anything did happen?","start":152.94499,"end":158.405,"sentiment":"neutral","sentiment_score":0.0916100616820834},{"text":"Yeah.","start":172.345,"end":172.585,"sentiment":"neutral","sentiment_score":-0.031077293679118156},{"text":"I can yeah.","start":172.585,"end":175.005,"sentiment":"neutral","sentiment_score":-0.017058400437235832}],"sentiment":"neutral","sentiment_score":0.002623747660183027,"num_words":61,"start":125.145004,"end":175.005},{"sentences":[{"text":"We can just I can once you get the amount so I can do a quote there for for $8.50.","start":175.145,"end":180.02501,"sentiment":"neutral","sentiment_score":0.048052605241537094},{"text":"And then the way that insurance works generally in the cost of, like, the 250 increments under a million dollars.","start":180.02501,"end":187.57,"sentiment":"neutral","sentiment_score":0.03555003441870212},{"text":"There might be some sort of, like, cost savings.","start":187.57,"end":189.91,"sentiment":"neutral","sentiment_score":0.020502489474084642},{"text":"It like, it's a weird sort of way in which they calculate it.","start":190.13,"end":193.19,"sentiment":"neutral","sentiment_score":-0.07742798901521243},{"text":"So I can do a quote for $8.50.","start":193.33,"end":195.09,"sentiment":"neutral","sentiment_score":0.09180324291810393}],"sentiment":"neutral","sentiment_score":0.022634818351694515,"num_words":70,"start":175.145,"end":195.09},{"sentences":[{"text":"I can do one for $7.50 for life and TPD just to show you what the the difference might look like.","start":195.09,"end":200.925,"sentiment":"neutral","sentiment_score":0.15097615938811076},{"text":"And then in regards to the income protection, were you looking at changing that at all?","start":201.465,"end":205.94499,"sentiment":"neutral","sentiment_score":0.05207635904662311},{"text":"Are you happy with those cover amount?","start":205.94499,"end":207.805,"sentiment":"neutral","sentiment_score":0.055697244725057056},{"text":"So the the income protection is the one that costs the most at the moment, and you're covered for a monthly benefit around $5,893, but you can only cover for up to 70% of your current income.","start":216.12,"end":229.495,"sentiment":"neutral","sentiment_score":0.01715398841613048},{"text":"It might be a bit different given your policy is a bit older, so I'd have to, like, double check.","start":229.495,"end":233.19499,"sentiment":"neutral","sentiment_score":-0.08613756895065308}],"sentiment":"neutral","sentiment_score":0.032728197993618424,"num_words":101,"start":195.09,"end":233.19499},{"sentences":[{"text":"But at the moment, because you're on the 72,000 roughly as a annual figure, you might not be able to claim on all of that.","start":234.215,"end":241.29,"sentiment":"neutral","sentiment_score":-0.10870086655020714},{"text":"So would you, like, be interested to see once we sort of find out what that cover is just covering for the max you can actually claim on so you're not paying for cover that you can't actually claim on?","start":241.29,"end":250.35,"sentiment":"neutral","sentiment_score":0.04270656406879425},{"text":"Yeah.","start":258.025,"end":258.525,"sentiment":"neutral","sentiment_score":-0.03733612596988678},{"text":"Yeah.","start":266.28003,"end":266.68002,"sentiment":"neutral","sentiment_score":0.024583781138062477},{"text":"It it depends.","start":266.68002,"end":267.82,"sentiment":"neutral","sentiment_score":-0.024995777135094013}],"sentiment":"neutral","sentiment_score":-0.015671411103435926,"num_words":70,"start":234.215,"end":267.82},{"sentences":[{"text":"I'll have to look at the policy because it is an older policy given that you've had it for quite some time.","start":268.04,"end":273.82,"sentiment":"neutral","sentiment_score":-0.011663967082065275},{"text":"So we can have a look at that and just do it up to a claimable amount.","start":274.68002,"end":277.875,"sentiment":"neutral","sentiment_score":0.11434421600664363},{"text":"And then as far as the benefit period and the waiting period, now the waiting period is thirty days, which is quite standard for someone that wants a bit more comprehensive cover.","start":277.875,"end":285.955,"sentiment":"neutral","sentiment_score":0.09184401179663837},{"text":"And then from there, you can push that to, like, sixty and ninety depending on how comfortable you are with sort of maintaining your expenses with the, like, two months.","start":285.955,"end":294.82,"sentiment":"neutral","sentiment_score":0.09485470068951447},{"text":"That's yes.","start":295.52002,"end":296.51,"sentiment":"neutral","sentiment_score":0.07645409740507603}],"sentiment":"neutral","sentiment_score":0.07402720377956816,"num_words":103,"start":268.04,"end":296.51},{"sentences":[{"text":"Yeah.","start":307.935,"end":308.175,"sentiment":"neutral","sentiment_score":0.02521255984902382},{"text":"That's not a problem at all.","start":308.175,"end":309.455,"sentiment":"neutral","sentiment_score":-0.021672751444081467},{"text":"And then the last bit there is you've got a benefit period to the age of 65, which means that if you were to end up on a claim, you could claim all the way up to 65 as a benefit amount, or you could look to having that reduced down to, like, five years so that if you're on a claim, it would only pay up to five years as opposed to all the way up until the age of 65 is another option to look at reducing costs.","start":309.455,"end":334.12,"sentiment":"neutral","sentiment_score":0.0426541762219535},{"text":"Yep.","start":340.675,"end":341.175,"sentiment":"neutral","sentiment_score":0.13955675065517426},{"text":"Not not a problem at all there.","start":341.315,"end":343.175,"sentiment":"neutral","sentiment_score":0.2846491741282599}],"sentiment":"neutral","sentiment_score":0.05586812267346042,"num_words":105,"start":307.935,"end":343.175},{"sentences":[{"text":"And you're happy keeping the trauma amount as the the same?","start":343.475,"end":346.195,"sentiment":"neutral","sentiment_score":0.3040312447331168},{"text":"You don't wanna look at changing that at all?","start":346.195,"end":348.09,"sentiment":"neutral","sentiment_score":-0.0644231057829327},{"text":"Just because we're getting quotes anyway, we could just look at a quote down to, like, $1.50 or 100 to see what the the price difference might look like for you.","start":355.21,"end":363.015,"sentiment":"neutral","sentiment_score":0.07368611207892818},{"text":"Well, that one's out of pocket, so that would be your out of pocket cost one.","start":369.33502,"end":373.035,"sentiment":"neutral","sentiment_score":-0.007964214135427028},{"text":"Yeah.","start":386.15,"end":386.38998,"sentiment":"neutral","sentiment_score":0.09756819158792496}],"sentiment":"neutral","sentiment_score":0.07380802911596701,"num_words":68,"start":343.475,"end":386.38998},{"sentences":[{"text":"Because I believe March 23 is when it sort of renews for for that one.","start":386.38998,"end":392.06497,"sentiment":"neutral","sentiment_score":0.06761350929737091},{"text":"So that's only just occurred there.","start":393.585,"end":395.585,"sentiment":"neutral","sentiment_score":0.0538274726519982},{"text":"So, yeah, that would have been the last time we spoke, actually.","start":395.82498,"end":398.085,"sentiment":"neutral","sentiment_score":0.0677392240613699},{"text":"And then as far as anything else in regards to so if you're looking at those few quotes, they will get those, and you can have a look at those and make a decision to sort of see if the price difference is worth that.","start":398.78497,"end":408.19998,"sentiment":"neutral","sentiment_score":0.18590165194537905},{"text":"But, obviously, the insurance is getting quite high.","start":408.19998,"end":410.93997,"sentiment":"neutral","sentiment_score":-0.2749215932562947}],"sentiment":"neutral","sentiment_score":0.09670046227442664,"num_words":86,"start":386.38998,"end":410.93997},{"sentences":[{"text":"And have you thought about given your policies are older, they're probably a little bit more comprehensive.","start":411.24,"end":415.24,"sentiment":"neutral","sentiment_score":-0.14943860953345017},{"text":"Have you thought about potentially just looking at rewriting given that you sort of don't have any health issues at the moment, or are you happy to just paying the higher amount for your policy that you hold in the event that anything did happen?","start":415.24,"end":426.365,"sentiment":"neutral","sentiment_score":-0.12407365325424406},{"text":"Or So within regards to that one, we could get you booked in for, like, a pre assessment just to see, like, what in regards to your health, occupation, family history.","start":426.365,"end":452.655,"sentiment":"neutral","sentiment_score":0.036888314951812065},{"text":"Because this policy was done in 2015.","start":453.19498,"end":455.435,"sentiment":"neutral","sentiment_score":-0.11322579426424843},{"text":"That's, like, one of the reasons it is quite expensive.","start":455.435,"end":457.85498,"sentiment":"neutral","sentiment_score":-0.29335733950138093}],"sentiment":"neutral","sentiment_score":-0.09733079045333645,"num_words":110,"start":411.24,"end":457.85498},{"sentences":[{"text":"So I can get you booked in for a yeah.","start":458.52002,"end":462.04,"sentiment":"neutral","sentiment_score":0.15327296406030655},{"text":"Are you so so you've had this probably since before you were with OP Financial.","start":462.04,"end":465.82,"sentiment":"neutral","sentiment_score":0.07122503022352854},{"text":"And then with in regards to that one, obviously, the older PDF documents for these insurances are generally a bit more comprehensive for the older insurances.","start":467.88,"end":476.755,"sentiment":"neutral","sentiment_score":0.08422032908464853},{"text":"But in saying that by looking at revisiting the market, they might be considerably cheaper as well.","start":477.05502,"end":482.515,"sentiment":"neutral","sentiment_score":0.20549861297887914},{"text":"So that is an option as opposed to just doing the reduction.","start":482.65503,"end":485.475,"sentiment":"neutral","sentiment_score":0.0901847140242656}],"sentiment":"neutral","sentiment_score":0.11708158298861235,"num_words":80,"start":458.52002,"end":485.475},{"sentences":[{"text":"So we could go down that route and just have a review of that and see based on sort of any sort of conditions you might currently have what they'll offer new cover at and then the the trade off with that as well.","start":486.015,"end":496.09003,"sentiment":"neutral","sentiment_score":0.11891301492737098},{"text":"Yep.","start":510.485,"end":510.84,"sentiment":"neutral","sentiment_score":-0.08616715669631958},{"text":"So I can get you booked in for that pre assessment just to be able to go through that.","start":512.76,"end":516.46,"sentiment":"neutral","sentiment_score":0.2982932470346752},{"text":"Is what sort of are afternoon sort of better for you generally?","start":517.88,"end":521.88,"sentiment":"neutral","sentiment_score":0.18920065959294638},{"text":"Or okay.","start":521.88,"end":529.27496,"sentiment":"neutral","sentiment_score":0.0799643024802208}],"sentiment":"neutral","sentiment_score":0.169793765562085,"num_words":78,"start":486.015,"end":529.27496},{"sentences":[{"text":"So so maybe even the same time tomorrow around 12:00, I could get you booked in for pre assessment to be able to complete that one.","start":531.175,"end":541.77,"sentiment":"neutral","sentiment_score":0.09725445036131602},{"text":"Yeah.","start":548.325,"end":548.565,"sentiment":"neutral","sentiment_score":0.04024733975529671},{"text":"It just runs through like a like a question.","start":548.565,"end":550.885,"sentiment":"neutral","sentiment_score":0.041962556540966034},{"text":"It's predetermined for, like, your occupation, a little bit more about your job, a little bit about your family history, and a little bit about your own medical history, and then some hobbies and things like that.","start":550.885,"end":559.14,"sentiment":"neutral","sentiment_score":0.0009235898787910874},{"text":"If you don't have any sort of outstanding or sort of health issues, it generally goes pretty quickly between that fifteen to twenty minutes sort of mark.","start":559.38,"end":566.52,"sentiment":"neutral","sentiment_score":-0.1452509936083246}],"sentiment":"neutral","sentiment_score":-0.009410779438912869,"num_words":100,"start":531.175,"end":566.52},{"sentences":[{"text":"Yep.","start":573.635,"end":574.03503,"sentiment":"neutral","sentiment_score":0.12615923583507538},{"text":"And then if it works out, it's sort of it's in your best interest to keep your your current policy.","start":574.03503,"end":577.875,"sentiment":"neutral","sentiment_score":0.18374609127640723},{"text":"That's not a problem at all.","start":577.875,"end":579.23505,"sentiment":"neutral","sentiment_score":0.31289557615915936},{"text":"At least you've done the check to see if you can get something cheaper for something that's more comparative.","start":579.23505,"end":583.815,"sentiment":"neutral","sentiment_score":0.25758283310814906},{"text":"Not a problem.","start":585.79004,"end":586.69,"sentiment":"neutral","sentiment_score":0.26472511887550354}],"sentiment":"neutral","sentiment_score":0.23197354497958203,"num_words":49,"start":573.635,"end":586.69},{"sentences":[{"text":"And then as far as the goals that you're looking to do, did you wanna sort of run through updating your goals and things like that now, or you wanna do that sort of after we have the pre assessment and have a bit of more of an insurance discussion around that?","start":587.31,"end":601.39496,"sentiment":"neutral","sentiment_score":0.09396255603776528},{"text":"So apart from, like, your long term goals, you sort of just mainly focus on the cost of living and your mortgage repayment?","start":611.07,"end":616.85,"sentiment":"neutral","sentiment_score":0.05955430719515552},{"text":"Yep.","start":626.925,"end":627.425,"sentiment":"neutral","sentiment_score":0.10595522820949554},{"text":"Complete it.","start":635.10004,"end":636.24005,"sentiment":"neutral","sentiment_score":0.19435535371303558},{"text":"I'm trying to get that sorted.","start":644.06,"end":645.5,"sentiment":"neutral","sentiment_score":0.049593755354483925}],"sentiment":"neutral","sentiment_score":0.08390512437160526,"num_words":84,"start":587.31,"end":645.5},{"sentences":[{"text":"Yeah.","start":645.5,"end":645.82,"sentiment":"neutral","sentiment_score":0.019885065034031868},{"text":"No.","start":645.82,"end":646.14,"sentiment":"neutral","sentiment_score":-0.1128719374537468},{"text":"A 100%.","start":646.14,"end":646.7,"sentiment":"neutral","sentiment_score":-0.08783616125583649},{"text":"That that's that's understandable.","start":646.7,"end":648.24005,"sentiment":"neutral","sentiment_score":-0.09303539525717497},{"text":"And then the only thing that I'll do, the this call there for you so you're not on the phone too long there, is just confirm your risk profile and go through those questions there for you.","start":648.975,"end":657.235,"sentiment":"neutral","sentiment_score":-0.0011676767891323245}],"sentiment":"neutral","sentiment_score":-0.015200107047955195,"num_words":45,"start":645.5,"end":657.235},{"sentences":[{"text":"So in regards to investments, have you ever made any direct share investments since we, like, like yeah.","start":658.255,"end":663.69495,"sentiment":"neutral","sentiment_score":-0.020929635709358588},{"text":"Okay.","start":663.69495,"end":664.01495,"sentiment":"neutral","sentiment_score":-0.1218871772289276},{"text":"That's not fine.","start":664.01495,"end":664.915,"sentiment":"neutral","sentiment_score":-0.18852448960145315},{"text":"And then as far as, like, obviously, that cost of living and having, obviously, things go up and inflation going up there as well, are you still willing to take on that higher amount of risk to try and outpace inflation?","start":665.19,"end":676.65,"sentiment":"neutral","sentiment_score":-0.0818114239813351},{"text":"So you'd say you'd say you're a bit more moderate now with how everything is at the moment?","start":680.005,"end":684.34503,"sentiment":"neutral","sentiment_score":-0.14452272156874338}],"sentiment":"neutral","sentiment_score":-0.08666507975646744,"num_words":81,"start":658.255,"end":684.34503},{"sentences":[{"text":"Yeah.","start":689.54,"end":689.94,"sentiment":"neutral","sentiment_score":-0.03236484155058861},{"text":"No.","start":689.94,"end":690.18,"sentiment":"neutral","sentiment_score":-0.1245136633515358},{"text":"That's understandable.","start":690.18,"end":691.0,"sentiment":"neutral","sentiment_score":-0.08877738378942013},{"text":"And then as far as, like, with the decreases or if your portfolio did decrease more over the next sort of six months given what is happening with the war on that, would you still hold and wait for improvement?","start":691.77997,"end":703.22,"sentiment":"neutral","sentiment_score":-0.08533044718205929},{"text":"Like, you wouldn't make sort of any rash changes of wanting to sell down the cash or anything like that?","start":703.22,"end":707.78503,"sentiment":"neutral","sentiment_score":-0.16734556909650564}],"sentiment":"neutral","sentiment_score":-0.11085253971396014,"num_words":64,"start":689.54,"end":707.78503},{"sentences":[{"text":"Yeah.","start":718.18,"end":718.68,"sentiment":"neutral","sentiment_score":0.1210656315088272},{"text":"Because with that, they can obviously do a review of your investments with that, given your portfolio is a bit older as well, given your time on board and just looking at doing, like, any sort of refresh since your time on board within regards to that when reviewing those insurances as well.","start":720.57996,"end":736.17505,"sentiment":"neutral","sentiment_score":0.14219836237014466},{"text":"And then as far as, like, your your super dropping, obviously, that makes you a little cautious.","start":736.79504,"end":741.115,"sentiment":"neutral","sentiment_score":-0.04620684069745681},{"text":"But do you have any other concerns?","start":741.115,"end":742.495,"sentiment":"neutral","sentiment_score":-0.056176770478487015},{"text":"Obviously, you got a quite a bit of time till retirement.","start":742.715,"end":744.715,"sentiment":"neutral","sentiment_score":-0.04378839446739717}],"sentiment":"neutral","sentiment_score":0.0673837394694264,"num_words":89,"start":718.18,"end":744.715},{"sentences":[{"text":"Is it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at Yeah.","start":744.715,"end":769.635,"sentiment":"neutral","sentiment_score":-0.053543905106683574},{"text":"And then part of that, once you do the the pre assessments there, we might be able to get the same level of cover without any exclusions or loadings for a lot cheaper price given that the time you hold it.","start":769.635,"end":780.14,"sentiment":"neutral","sentiment_score":0.16747631550562092},{"text":"You might lose some benefits, but that will help sort of moving forward there as well because it's only gonna go up in premium and price, and you don't wanna be paying, like, over $10 for insurances for the next ten years as well.","start":780.14,"end":792.09503,"sentiment":"neutral","sentiment_score":0.10688382031565363},{"text":"Yeah.","start":798.08997,"end":798.58997,"sentiment":"neutral","sentiment_score":0.18852469325065613},{"text":"Exactly right.","start":799.05,"end":800.11,"sentiment":"neutral","sentiment_score":0.17341239657253027}],"sentiment":"neutral","sentiment_score":0.09660457851298686,"num_words":112,"start":744.715,"end":800.11},{"sentences":[{"text":"And then within regards to borrowed money there, would you sort of ever borrow outside of the property, like, for any sort of investments and things if circumstances were different?","start":800.64996,"end":809.61,"sentiment":"neutral","sentiment_score":0.0016185070698459944},{"text":"Obviously, like, with cost of living, would you ever have a loan for, like, an investment portfolio?","start":809.61,"end":814.115,"sentiment":"neutral","sentiment_score":-0.003296833731891478},{"text":"Or yeah.","start":814.255,"end":822.995,"sentiment":"neutral","sentiment_score":0.15457029454410076},{"text":"Yep.","start":840.265,"end":840.765,"sentiment":"neutral","sentiment_score":-0.005250508897006512},{"text":"No.","start":840.825,"end":841.325,"sentiment":"neutral","sentiment_score":-0.08799192309379578}],"sentiment":"neutral","sentiment_score":0.004086415602953411,"num_words":51,"start":800.64996,"end":841.325},{"sentences":[{"text":"Understandable.","start":841.465,"end":841.965,"sentiment":"neutral","sentiment_score":0.039937566965818405},{"text":"And that does bring you out as a growth investor based on those answers.","start":842.585,"end":846.265,"sentiment":"neutral","sentiment_score":0.3020879998803139},{"text":"So around an 8020 split of, like, growth assets to defensive assets.","start":846.265,"end":849.98,"sentiment":"neutral","sentiment_score":0.11920976266264915},{"text":"Now you're currently in a high growth portfolio.","start":849.98,"end":852.0,"sentiment":"neutral","sentiment_score":0.24547923915088177},{"text":"Do you feel like you'd still be comfortable in a high growth portfolio moving forward given your time to retirement, or you want to look at going down to a growth portfolio?","start":852.3,"end":863.855,"sentiment":"neutral","sentiment_score":0.0970137391705066}],"sentiment":"neutral","sentiment_score":0.16071582513291444,"num_words":67,"start":841.465,"end":863.855},{"sentences":[{"text":"Be it being a little bit more defensive?","start":866.475,"end":868.33496,"sentiment":"neutral","sentiment_score":0.007434743456542492},{"text":"Yep.","start":873.29,"end":873.61,"sentiment":"neutral","sentiment_score":0.08288459479808807},{"text":"No.","start":873.61,"end":873.85,"sentiment":"neutral","sentiment_score":0.019598033279180527},{"text":"Understandable.","start":873.85,"end":874.35,"sentiment":"neutral","sentiment_score":0.06959089636802673},{"text":"So within regards to that, once you go through your pre assessment and we get you those quotes to be able to have a look and see what the insurers come back with, then we can look at reducing your exposure in the market as well as doing an update there for you.","start":874.89,"end":887.325,"sentiment":"neutral","sentiment_score":0.15220580587409577}],"sentiment":"neutral","sentiment_score":0.1296634247410111,"num_words":64,"start":866.475,"end":887.325},{"sentences":[{"text":"And then we can do that all in conjunction.","start":888.525,"end":890.385,"sentiment":"neutral","sentiment_score":0.29528791705767315},{"text":"But is there any other things that you wanna address or any concern other concerns that you did have there, Lynne, or is it mainly the you're just investment exposure and your insurances?","start":891.085,"end":899.425,"sentiment":"neutral","sentiment_score":0.027721392950325302},{"text":"Yeah.","start":908.73,"end":908.97,"sentiment":"neutral","sentiment_score":-0.08139139413833618},{"text":"With everything that did happen, I'll just have a quick look with in regards to report.","start":908.97,"end":914.255,"sentiment":"neutral","sentiment_score":-0.05239521153271198},{"text":"I think it was down just a few percent.","start":914.255,"end":916.355,"sentiment":"neutral","sentiment_score":-0.30058688587612575}],"sentiment":"neutral","sentiment_score":-0.0007735225098098026,"num_words":68,"start":888.525,"end":916.355},{"sentences":[{"text":"So given that you have that high allocation to that Bandalong Fund, that did have quite a bad year.","start":917.135,"end":921.455,"sentiment":"negative","sentiment_score":-0.42226448027711166},{"text":"And then with the WAR as well, I think it's down about 5% over the last twelve months.","start":921.455,"end":926.595,"sentiment":"neutral","sentiment_score":-0.2589886908729871},{"text":"So we'll look at trying to update your portfolio there and reduce your insurance cost because it is quite a cost that comes out of your insure like, your superannuation there when you're paying $10 worth of insurance cost as well.","start":926.895,"end":939.75,"sentiment":"neutral","sentiment_score":-0.05851721718180471},{"text":"Yeah.","start":947.025,"end":947.34503,"sentiment":"neutral","sentiment_score":0.18504562973976135},{"text":"I think your deposits are a bit over the the 10, so we definitely want to look at trying to get those down for you as well.","start":947.34503,"end":952.645,"sentiment":"positive","sentiment_score":0.38654134174187976}],"sentiment":"neutral","sentiment_score":-0.042097788760965725,"num_words":106,"start":917.135,"end":952.645},{"sentences":[{"text":"But any anything else that you're sort of looking at addressing, or is that largely it?","start":954.49,"end":958.67,"sentiment":"neutral","sentiment_score":0.09343797736801207},{"text":"Yeah.","start":973.545,"end":974.045,"sentiment":"neutral","sentiment_score":0.02730897068977356},{"text":"Yeah.","start":983.72003,"end":984.12,"sentiment":"neutral","sentiment_score":0.1249936744570732},{"text":"Okay.","start":984.12,"end":984.52,"sentiment":"neutral","sentiment_score":0.203364759683609},{"text":"Perfect.","start":984.52,"end":985.0,"sentiment":"positive","sentiment_score":0.3575201630592346}],"sentiment":"neutral","sentiment_score":0.11040976028889418,"num_words":20,"start":954.49,"end":985.0},{"sentences":[{"text":"And then just a few other random questions there.","start":985.0,"end":987.08,"sentiment":"neutral","sentiment_score":0.11498533768786325},{"text":"But have you ever declared bank I know this is a bit random, but have you ever declared bankruptcy and a part nine debt agreement at all in?","start":987.08,"end":992.595,"sentiment":"neutral","sentiment_score":0.005579023422407252},{"text":"Yep.","start":993.875,"end":994.375,"sentiment":"neutral","sentiment_score":-0.011365490965545176},{"text":"And do you have private health cover at the moment as well?","start":994.51495,"end":997.095,"sentiment":"neutral","sentiment_score":-0.022143248779078323},{"text":"Yeah.","start":999.875,"end":1000.19495,"sentiment":"neutral","sentiment_score":-0.034760311245918274}],"sentiment":"neutral","sentiment_score":0.0172399197540739,"num_words":51,"start":985.0,"end":1000.19495},{"sentences":[{"text":"Yeah.","start":1000.19495,"end":1000.69495,"sentiment":"neutral","sentiment_score":-0.043642859905958176},{"text":"That's fine.","start":1001.63495,"end":1002.535,"sentiment":"neutral","sentiment_score":-0.12169844470918179},{"text":"And are you a tax resident for anywhere but Australia at the moment?","start":1003.555,"end":1007.01495,"sentiment":"neutral","sentiment_score":-0.007889597927435087},{"text":"Yep.","start":1009.42,"end":1009.81995,"sentiment":"neutral","sentiment_score":-0.06309293210506439},{"text":"And yeah.","start":1009.81995,"end":1011.33997,"sentiment":"neutral","sentiment_score":-0.034265829250216484}],"sentiment":"neutral","sentiment_score":-0.027433111209814485,"num_words":19,"start":1000.19495,"end":1011.33997},{"sentences":[{"text":"Yeah.","start":1011.33997,"end":1011.66,"sentiment":"neutral","sentiment_score":-0.025946270674467087},{"text":"Like another country.","start":1011.66,"end":1012.62,"sentiment":"neutral","sentiment_score":-0.052217233926057816},{"text":"Not like a different state.","start":1012.62,"end":1013.98,"sentiment":"neutral","sentiment_score":-0.0983529582619667},{"text":"And then you don't have any family in politics?","start":1013.98,"end":1016.22,"sentiment":"neutral","sentiment_score":-0.08764616565571891},{"text":"You're not involved in any sort of political campaigns or anything like that?","start":1016.22,"end":1019.115,"sentiment":"neutral","sentiment_score":-0.1288777389205419}],"sentiment":"neutral","sentiment_score":-0.10124480195583836,"num_words":31,"start":1011.33997,"end":1019.115},{"sentences":[{"text":"Yeah.","start":1021.595,"end":1021.915,"sentiment":"neutral","sentiment_score":-0.06990896165370941},{"text":"It's just to do with, like, anti money laundering law and a little bit of security as well for people that are in those spaces.","start":1021.915,"end":1027.9349,"sentiment":"neutral","sentiment_score":-0.032728835344314575},{"text":"So that's fine.","start":1027.995,"end":1029.215,"sentiment":"neutral","sentiment_score":0.10407678286234538},{"text":"Yeah.","start":1029.835,"end":1030.335,"sentiment":"neutral","sentiment_score":0.20103536546230316},{"text":"Not a problem at all.","start":1031.37,"end":1032.33,"sentiment":"neutral","sentiment_score":0.30794135928153993}],"sentiment":"neutral","sentiment_score":0.033281219005584714,"num_words":35,"start":1021.595,"end":1032.33},{"sentences":[{"text":"But do you have any other questions or concerns in regards to anything there, Lynn, from what I've covered, or are you happy to do that pre assessment and start that process?","start":1032.33,"end":1039.15,"sentiment":"neutral","sentiment_score":0.11555611086077988},{"text":"Not a problem at all, Lynn.","start":1040.81,"end":1041.85,"sentiment":"positive","sentiment_score":0.35944393277168274},{"text":"Well, thank you for your time today.","start":1041.85,"end":1043.61,"sentiment":"positive","sentiment_score":0.6428411262375968},{"text":"I've got you booked in there for tomorrow.","start":1043.61,"end":1045.39,"sentiment":"positive","sentiment_score":0.3512077331542969},{"text":"They're the same time just to go over that pre assessment there, and I'll get that sent off, and then you can have a discussion around sort of replacing your current cover versus just reducing the cover amounts once those quotes are back as well.","start":1045.7749,"end":1057.47,"sentiment":"neutral","sentiment_score":0.2317436976565255}],"sentiment":"neutral","sentiment_score":0.24073954375118625,"num_words":98,"start":1032.33,"end":1057.47},{"sentences":[{"text":"No.","start":1063.71,"end":1063.95,"sentiment":"neutral","sentiment_score":-0.12185407429933548},{"text":"Because once we do that, we have to send it off to the insurer and get, like, their responses and how they'd rate you in terms of cover.","start":1063.95,"end":1069.07,"sentiment":"neutral","sentiment_score":-0.02311130626393216},{"text":"And then given you've got an older policy, generally, they can take up to, like, a week or so to get their quotes back in terms of yeah.","start":1069.07,"end":1075.5751,"sentiment":"neutral","sentiment_score":-0.017581208209906305},{"text":"Just because, like, the newer PDFs is they can just put it through their softwares, where the older ones, they sort of have to do manual calculation.","start":1075.5751,"end":1081.8351,"sentiment":"neutral","sentiment_score":-0.030401685723551997},{"text":"Yeah.","start":1083.4,"end":1083.9,"sentiment":"neutral","sentiment_score":-0.12307959049940108}],"sentiment":"neutral","sentiment_score":-0.025943171583554324,"num_words":85,"start":1063.71,"end":1083.9},{"sentences":[{"text":"A little bit.","start":1084.1,"end":1086.0,"sentiment":"neutral","sentiment_score":-0.2227176328500112},{"text":"Because it yeah.","start":1086.2,"end":1087.16,"sentiment":"neutral","sentiment_score":-0.07411396627624829},{"text":"The older ones are generally quite a bit more comprehensive, but we'll get a wriggle on that for you there, Lynn.","start":1087.16,"end":1092.44,"sentiment":"neutral","sentiment_score":0.08836703605595089},{"text":"But is there anything else there while you got me today?","start":1092.44,"end":1094.3849,"sentiment":"neutral","sentiment_score":0.020052816380154003},{"text":"No problem at all.","start":1096.945,"end":1097.5848,"sentiment":"positive","sentiment_score":0.6022828966379166}],"sentiment":"neutral","sentiment_score":0.08559346491737026,"num_words":42,"start":1084.1,"end":1097.5848},{"sentences":[{"text":"Thanks for your time today.","start":1097.5848,"end":1098.8049,"sentiment":"positive","sentiment_score":0.7709696650505066},{"text":"I'll speak to you soon, I'm sure.","start":1098.945,"end":1100.4049,"sentiment":"positive","sentiment_score":0.43321635467665537},{"text":"Thanks, Lynn.","start":1102.2249,"end":1102.7849,"sentiment":"positive","sentiment_score":0.637569397687912},{"text":"Bye.","start":1102.7849,"end":1103.0399,"sentiment":"neutral","sentiment_score":-0.1030709445476532}],"sentiment":"positive","sentiment_score":0.5372953772544861,"num_words":15,"start":1097.5848,"end":1103.0399}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hello. Don't forget. I'm good. How are you? Yep. Yep. Perfect. Yep. Lund Kathleen Bracken, 07/02/1977, 14 Yard Crescent, Oro Hill Square Garden, 4 Toyota. Yep. Yep. We yeah. We had a brief cut. He was just wondering how much it would drop, like, to what life insurance sort of stuff and then would, like, what else would drop, like because I also pay for AMI on direct debit as well. Would that drop as well, or would that still stay the same? Or Yep. Yep. Yep. Okay. Yeah. I think I might drop the the, like, the one for work like, the the Tom one. Is that the one I certainly have is at work or not? I'm not covered yet. Yeah. I'll just leave that one. That's fine. But, yeah, the others, I might drop a little bit if I can if it if it works out a little bit cheaper. But yeah. I he's thinking about maybe 8 to show it down to 8 or 8 and a half for life because that would just cover all debts and stuff and give him a bit more. I don't know how the scale drops. I'm not sure if I can just determine how much or what. Okay. Yep. I don't even know how much it was. It was quite it wasn't that much. It was a 100,000. How much it was? I think 100. Yeah. Yeah. I think it was quite high. Last time I talked to someone last year, even before they did say I was actually paying more than I would be able to cover anyway. So, yeah, we can look at that one and maybe reduce that one a bit because, yeah, if I can only cover 75 percent of what I'd normally earn anyway. So, hey, might as well drop it down anyway. Thirty thirty days would be thirty days would be, like, the max. It could really hold out because I've only really got what yeah. I wouldn't have enough to last. I have to dip into my long service, but I really wouldn't wanna do it if something happened. So, you know, thirty day thirty days sounds good. Oh. No. I just leave it at 65 just in case, no. My luck, something will happen. I'll change it, and then something will happen to me. Would it change much, though? Or because I'm getting older. Would it change that much? Yeah. No. Just just have a look. And this if it just saves me a little bit to go back onto the soup every year, so might as well. Yeah. Yep. No. If I could drop it a little bit, that would be great. That might change because I think it's just gonna because I've had my birthday, so I think it's gonna go up again soon anyway again. So we'll just see if I can drop it a little bit. It would be good. So yeah. Yep. I don't even know what they are actually cover, to be honest. I wouldn't have a clue. I just find out when we changed over when I changed over. So I don't actually know what they cover through, sir. So, yeah, we could have a look. I don't I honestly don't know what they cover. Mhmm. Yep. Yep. Yep. No. I haven't got any health issues or anything at least. No. Nothing major at all of me or anything touch wood. So, no, I haven't been sick or anything really in the last what is it now? Eleven years now. So, no, nothing's actually changed for my house. So, yeah, touch wood another ten years or something like that. Yeah. Well, I work nights. Like, I work ten to six every night. So yeah. And school holidays are coming up, so it's even gonna be worse. Yeah. How long does it tie? Is it is it just by simply questions? You're just asking questions? Is that what you ask? Yep. Yeah. No. We could do that. What's tomorrow? Tomorrow's Wednesday. Yeah. Yep. No. That's fine. Tomorrow's fine. I don't work tomorrow night, so that's fine. Yep. Yep. Yeah. Nothing's really changed. I just wanna pay off our mortgage, but at at the moment, it's got a bit crazy with everything going on and fuel prices and whatnot. So, yeah, I was yeah. Day to day at the moment. Yeah. Well, I've still got two I've got four kids, but I've still got an older one at home, which has independent. But I've still got two dependents at home. So, yeah, it's just and, like, they're high school kids. So, yeah, you can see the cost is coming out my ears at the moment with those two. So yeah. It's just basically at the moment, we're just going week to week just like with the interest rates going up and down and yeah. We just yeah. Just focus basically week to week at the moment for us. So yeah. Yep. No. At the moment, no. Not at the moment. No. I'm way way more water at the moment now. Way the less, the better, to be honest. No. I think we'll just wait. We'll just yeah. Just gotta write it out, I think, to be sure. I don't really know. Honestly, no. Just gotta yeah. Just gotta write it out, I think. Just have to wait and see. Hoping good thoughts, but you never know. Okay. Yep. Yeah. At the moment, we've literally, like in this house, we've cut everything. We've even got rid of Foxtel and everything. Like, we've got rid of the confine. Like, everything is literally just bare minimum. So, yeah, it's literally just basically cutting everything back and just going to bear it for the time being at the moment. So yeah. As my family's able to. Yeah. Yeah. Yeah. Especially as I get older, they always seem to go out when you get older. Every year they go off a little bit extra. So yeah. No. It sounds good. We would love to buy a investment property. We would love to. That was what our goal was ten years ago, and our circumstances changed. But, you know, we've always really wanted to buy at least one or maybe two for our two older boys, but, you know, we've just never been quite been able to get there. If you know what I mean? So I would love to, but we just never had quite enough to get there. No. No. Yeah. Just a little bit. Yeah. Just drop a bit. Just a small. Yeah. Not all I get, I think. Yeah. The bit where I get. So yeah. Yep. Yeah. I just didn't I I don't even know if my sticker went up last year, to be honest. I haven't even locked. So I don't even know if it went up. Almost, it didn't go up, to be honest, for what I put in it. So Yeah. I don't actually think I'm even putting that much in, to be honest. I don't even know how much I put in. It just goes on some work. So yeah. Sounds good. Cool. No. No. If I just get the insurance just down just a little bit even as long as I'm still covered the kids or something does happen in the mortgage really. That's the main thing in there. Got a little bit extra to tie them over to get stuff sorted. So then yeah. But then other than that, I think, yeah, I can just drop them a little bit and just, yeah, just wait and see. And hopefully, next year when it comes back around again, it might be a bit better in the world. No. No. Do you mean health insurance? No. No. I wish I did, but no. No. Do you mean another country? Is that what you mean? No. No. No. That's a really random question. Oh, okay. Cool. Yep. No. That sounds good. Yep. Then how long will that take? Like, twenty probably would that be ready tomorrow or they take a few more days? Or oh, yep. Oh, gosh. Yeah. Go combing. Oh, god. Poor things. That's it. No. That sounds good. No. That's perfect. Thank you so much for that. Cool. Okay. Awesome. Have a good day. 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If you record your name and reason for calling, I'll see if this person is available. Hello. Don't forget. I'm good.\n\nHow are you? Yep. Yep. Perfect. Yep.\n\nLund Kathleen Bracken, 07/02/1977, 14 Yard Crescent, Oro Hill Square Garden, 4 Toyota. Yep. Yep. We yeah. We had a brief cut.\n\nHe was just wondering how much it would drop, like, to what life insurance sort of stuff and then would, like, what else would drop, like because I also pay for AMI on direct debit as well. Would that drop as well, or would that still stay the same? Or Yep. Yep. Yep.\n\nOkay. Yeah. I think I might drop the the, like, the one for work like, the the Tom one. Is that the one I certainly have is at work or not? I'm not covered yet.\n\nYeah. I'll just leave that one. That's fine. But, yeah, the others, I might drop a little bit if I can if it if it works out a little bit cheaper. But yeah.\n\nI he's thinking about maybe 8 to show it down to 8 or 8 and a half for life because that would just cover all debts and stuff and give him a bit more. I don't know how the scale drops. I'm not sure if I can just determine how much or what. Okay. Yep.\n\nI don't even know how much it was. It was quite it wasn't that much. It was a 100,000. How much it was? I think 100.\n\nYeah. Yeah. I think it was quite high. Last time I talked to someone last year, even before they did say I was actually paying more than I would be able to cover anyway. So, yeah, we can look at that one and maybe reduce that one a bit because, yeah, if I can only cover 75 percent of what I'd normally earn anyway.\n\nSo, hey, might as well drop it down anyway. Thirty thirty days would be thirty days would be, like, the max. It could really hold out because I've only really got what yeah. I wouldn't have enough to last. I have to dip into my long service, but I really wouldn't wanna do it if something happened.\n\nSo, you know, thirty day thirty days sounds good. Oh. No. I just leave it at 65 just in case, no. My luck, something will happen.\n\nI'll change it, and then something will happen to me. Would it change much, though? Or because I'm getting older. Would it change that much? Yeah.\n\nNo. Just just have a look. And this if it just saves me a little bit to go back onto the soup every year, so might as well. Yeah. Yep.\n\nNo. If I could drop it a little bit, that would be great. That might change because I think it's just gonna because I've had my birthday, so I think it's gonna go up again soon anyway again. So we'll just see if I can drop it a little bit. It would be good.\n\nSo yeah. Yep. I don't even know what they are actually cover, to be honest. I wouldn't have a clue. I just find out when we changed over when I changed over.\n\nSo I don't actually know what they cover through, sir. So, yeah, we could have a look. I don't I honestly don't know what they cover. Mhmm. Yep.\n\nYep. Yep. No. I haven't got any health issues or anything at least. No.\n\nNothing major at all of me or anything touch wood. So, no, I haven't been sick or anything really in the last what is it now? Eleven years now. So, no, nothing's actually changed for my house. So, yeah, touch wood another ten years or something like that.\n\nYeah. Well, I work nights. Like, I work ten to six every night. So yeah. And school holidays are coming up, so it's even gonna be worse.\n\nYeah. How long does it tie? Is it is it just by simply questions? You're just asking questions? Is that what you ask?\n\nYep. Yeah. No. We could do that. What's tomorrow?\n\nTomorrow's Wednesday. Yeah. Yep. No. That's fine.\n\nTomorrow's fine. I don't work tomorrow night, so that's fine. Yep. Yep. Yeah.\n\nNothing's really changed. I just wanna pay off our mortgage, but at at the moment, it's got a bit crazy with everything going on and fuel prices and whatnot. So, yeah, I was yeah. Day to day at the moment. Yeah.\n\nWell, I've still got two I've got four kids, but I've still got an older one at home, which has independent. But I've still got two dependents at home. So, yeah, it's just and, like, they're high school kids. So, yeah, you can see the cost is coming out my ears at the moment with those two. So yeah.\n\nIt's just basically at the moment, we're just going week to week just like with the interest rates going up and down and yeah. We just yeah. Just focus basically week to week at the moment for us. So yeah. Yep.\n\nNo. At the moment, no. Not at the moment. No. I'm way way more water at the moment now.\n\nWay the less, the better, to be honest. No. I think we'll just wait. We'll just yeah. Just gotta write it out, I think, to be sure.\n\nI don't really know. Honestly, no. Just gotta yeah. Just gotta write it out, I think. Just have to wait and see.\n\nHoping good thoughts, but you never know. Okay. Yep. Yeah. At the moment, we've literally, like in this house, we've cut everything.\n\nWe've even got rid of Foxtel and everything. Like, we've got rid of the confine. Like, everything is literally just bare minimum. So, yeah, it's literally just basically cutting everything back and just going to bear it for the time being at the moment. So yeah.\n\nAs my family's able to. Yeah. Yeah. Yeah. Especially as I get older, they always seem to go out when you get older.\n\nEvery year they go off a little bit extra. So yeah. No. It sounds good. We would love to buy a investment property.\n\nWe would love to. That was what our goal was ten years ago, and our circumstances changed. But, you know, we've always really wanted to buy at least one or maybe two for our two older boys, but, you know, we've just never been quite been able to get there. If you know what I mean? So I would love to, but we just never had quite enough to get there.\n\nNo. No. Yeah. Just a little bit. Yeah.\n\nJust drop a bit. Just a small. Yeah. Not all I get, I think. Yeah.\n\nThe bit where I get. So yeah. Yep. Yeah. I just didn't I I don't even know if my sticker went up last year, to be honest.\n\nI haven't even locked. So I don't even know if it went up. Almost, it didn't go up, to be honest, for what I put in it. So Yeah. I don't actually think I'm even putting that much in, to be honest.\n\nI don't even know how much I put in. It just goes on some work. So yeah. Sounds good. Cool.\n\nNo. No. If I just get the insurance just down just a little bit even as long as I'm still covered the kids or something does happen in the mortgage really. That's the main thing in there. Got a little bit extra to tie them over to get stuff sorted.\n\nSo then yeah. But then other than that, I think, yeah, I can just drop them a little bit and just, yeah, just wait and see. And hopefully, next year when it comes back around again, it might be a bit better in the world. No. No.\n\nDo you mean health insurance? No. No. I wish I did, but no. No.\n\nDo you mean another country? Is that what you mean? No. No. No.\n\nThat's a really random question. Oh, okay. Cool. Yep. No.\n\nThat sounds good. Yep. Then how long will that take? Like, twenty probably would that be ready tomorrow or they take a few more days? Or oh, yep.\n\nOh, gosh. Yeah. Go combing. Oh, god. Poor things.\n\nThat's it. No. That sounds good. No. That's perfect.\n\nThank you so much for that. Cool. Okay. Awesome. Have a good day.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.038960523903369904},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.025731917121447623},{"text":"Hello.","start":13.679999,"end":14.0,"sentiment":"neutral","sentiment_score":0.08351704478263855},{"text":"Don't forget.","start":14.0,"end":14.74,"sentiment":"neutral","sentiment_score":0.09481566771864892},{"text":"I'm good.","start":18.425,"end":18.905,"sentiment":"positive","sentiment_score":0.49049147963523865}],"sentiment":"neutral","sentiment_score":0.07749102442440661,"num_words":22,"start":0.16,"end":18.905},{"sentences":[{"text":"How are you?","start":18.905,"end":19.645,"sentiment":"positive","sentiment_score":0.33654212951660156},{"text":"Yep.","start":24.985,"end":25.465,"sentiment":"neutral","sentiment_score":0.16131512820720673},{"text":"Yep.","start":25.465,"end":25.785,"sentiment":"neutral","sentiment_score":0.2476308047771454},{"text":"Perfect.","start":25.785,"end":26.285,"sentiment":"positive","sentiment_score":0.534805178642273},{"text":"Yep.","start":32.25,"end":32.57,"sentiment":"neutral","sentiment_score":0.03748231753706932}],"sentiment":"neutral","sentiment_score":0.2844085453876427,"num_words":7,"start":18.905,"end":32.57},{"sentences":[{"text":"Lund Kathleen Bracken, 07/02/1977, 14 Yard Crescent, Oro Hill Square Garden, 4 Toyota.","start":32.57,"end":38.829998,"sentiment":"neutral","sentiment_score":0.03572304675785395},{"text":"Yep.","start":52.635002,"end":53.135002,"sentiment":"neutral","sentiment_score":-0.0015500131994485855},{"text":"Yep.","start":54.875,"end":55.275,"sentiment":"neutral","sentiment_score":-0.011974481865763664},{"text":"We yeah.","start":55.275,"end":56.635002,"sentiment":"neutral","sentiment_score":-0.0296908151358366},{"text":"We had a brief cut.","start":56.635002,"end":57.435,"sentiment":"neutral","sentiment_score":-0.02417560648173094}],"sentiment":"neutral","sentiment_score":0.012300702277570963,"num_words":22,"start":32.57,"end":57.435},{"sentences":[{"text":"He was just wondering how much it would drop, like, to what life insurance sort of stuff and then would, like, what else would drop, like because I also pay for AMI on direct debit as well.","start":57.435,"end":70.29,"sentiment":"neutral","sentiment_score":-0.029209438258328953},{"text":"Would that drop as well, or would that still stay the same?","start":70.29,"end":72.85,"sentiment":"neutral","sentiment_score":-0.050003098944822945},{"text":"Or Yep.","start":72.85,"end":92.22,"sentiment":"neutral","sentiment_score":0.0016627004370093363},{"text":"Yep.","start":106.725,"end":107.225,"sentiment":"neutral","sentiment_score":0.05308731645345688},{"text":"Yep.","start":131.085,"end":131.565,"sentiment":"neutral","sentiment_score":0.030913405120372772}],"sentiment":"neutral","sentiment_score":-0.030065288310343365,"num_words":53,"start":57.435,"end":131.565},{"sentences":[{"text":"Okay.","start":131.565,"end":132.065,"sentiment":"neutral","sentiment_score":0.061175018548965454},{"text":"Yeah.","start":132.205,"end":132.445,"sentiment":"neutral","sentiment_score":0.07173566520214081},{"text":"I think I might drop the the, like, the one for work like, the the Tom one.","start":132.445,"end":137.16501,"sentiment":"neutral","sentiment_score":0.059268315267913485},{"text":"Is that the one I certainly have is at work or not?","start":137.16501,"end":139.40501,"sentiment":"neutral","sentiment_score":0.03673963341861963},{"text":"I'm not covered yet.","start":139.40501,"end":140.46,"sentiment":"neutral","sentiment_score":-0.1819811575114727}],"sentiment":"neutral","sentiment_score":0.02438351469380515,"num_words":35,"start":131.565,"end":140.46},{"sentences":[{"text":"Yeah.","start":144.78,"end":145.26001,"sentiment":"neutral","sentiment_score":0.08263799548149109},{"text":"I'll just leave that one.","start":145.26001,"end":146.22,"sentiment":"neutral","sentiment_score":0.12444839477539063},{"text":"That's fine.","start":146.22,"end":146.62001,"sentiment":"neutral","sentiment_score":0.29638102650642395},{"text":"But, yeah, the others, I might drop a little bit if I can if it if it works out a little bit cheaper.","start":146.62001,"end":151.34001,"sentiment":"neutral","sentiment_score":0.11018197724352712},{"text":"But yeah.","start":151.34001,"end":152.24,"sentiment":"neutral","sentiment_score":0.06431639567017555}],"sentiment":"neutral","sentiment_score":0.12001394819129597,"num_words":33,"start":144.78,"end":152.24},{"sentences":[{"text":"I he's thinking about maybe 8 to show it down to 8 or 8 and a half for life because that would just cover all debts and stuff and give him a bit more.","start":153.42001,"end":167.67,"sentiment":"neutral","sentiment_score":0.06345980795209899},{"text":"I don't know how the scale drops.","start":168.55,"end":170.31,"sentiment":"neutral","sentiment_score":-0.20845100922243937},{"text":"I'm not sure if I can just determine how much or what.","start":170.31,"end":175.69,"sentiment":"neutral","sentiment_score":-0.06035697522262732},{"text":"Okay.","start":193.625,"end":194.125,"sentiment":"neutral","sentiment_score":0.10276997834444046},{"text":"Yep.","start":199.17,"end":199.67,"sentiment":"neutral","sentiment_score":0.12417982518672945}],"sentiment":"neutral","sentiment_score":0.003657136484980583,"num_words":55,"start":153.42001,"end":199.67},{"sentences":[{"text":"I don't even know how much it was.","start":209.095,"end":210.375,"sentiment":"neutral","sentiment_score":-0.23858681693673134},{"text":"It was quite it wasn't that much.","start":210.375,"end":212.295,"sentiment":"neutral","sentiment_score":-0.2927184615816389},{"text":"It was a 100,000.","start":212.295,"end":214.21501,"sentiment":"neutral","sentiment_score":-0.1465596705675125},{"text":"How much it was?","start":214.21501,"end":215.095,"sentiment":"neutral","sentiment_score":-0.05082540027797222},{"text":"I think 100.","start":215.095,"end":216.155,"sentiment":"neutral","sentiment_score":-0.028403670837481815}],"sentiment":"neutral","sentiment_score":-0.1858644254792195,"num_words":26,"start":209.095,"end":216.155},{"sentences":[{"text":"Yeah.","start":249.8,"end":250.3,"sentiment":"neutral","sentiment_score":-0.01732434518635273},{"text":"Yeah.","start":250.36,"end":250.6,"sentiment":"neutral","sentiment_score":-0.041880637407302856},{"text":"I think it was quite high.","start":250.6,"end":251.8,"sentiment":"neutral","sentiment_score":-0.2784768765171369},{"text":"Last time I talked to someone last year, even before they did say I was actually paying more than I would be able to cover anyway.","start":251.8,"end":257.18,"sentiment":"neutral","sentiment_score":-0.2827162673840156},{"text":"So, yeah, we can look at that one and maybe reduce that one a bit because, yeah, if I can only cover 75 percent of what I'd normally earn anyway.","start":257.32,"end":264.745,"sentiment":"neutral","sentiment_score":-0.09262097577253978}],"sentiment":"neutral","sentiment_score":-0.1853018510446418,"num_words":64,"start":249.8,"end":264.745},{"sentences":[{"text":"So, hey, might as well drop it down anyway.","start":264.745,"end":267.88498,"sentiment":"neutral","sentiment_score":-0.00588524051838451},{"text":"Thirty thirty days would be thirty days would be, like, the max.","start":295.135,"end":298.17502,"sentiment":"neutral","sentiment_score":0.07920725705722968},{"text":"It could really hold out because I've only really got what yeah.","start":298.17502,"end":302.17502,"sentiment":"neutral","sentiment_score":-0.1942900406817595},{"text":"I wouldn't have enough to last.","start":302.17502,"end":303.75,"sentiment":"negative","sentiment_score":-0.513053372502327},{"text":"I have to dip into my long service, but I really wouldn't wanna do it if something happened.","start":303.99,"end":307.61,"sentiment":"negative","sentiment_score":-0.3868771592775981}],"sentiment":"neutral","sentiment_score":-0.20133455561702712,"num_words":57,"start":264.745,"end":307.61},{"sentences":[{"text":"So, you know, thirty day thirty days sounds good.","start":308.15,"end":311.13,"sentiment":"neutral","sentiment_score":0.104597225267854},{"text":"Oh.","start":320.375,"end":320.875,"sentiment":"neutral","sentiment_score":0.019185829907655716},{"text":"No.","start":334.82,"end":335.06,"sentiment":"neutral","sentiment_score":-0.07510747015476227},{"text":"I just leave it at 65 just in case, no.","start":335.06,"end":337.06,"sentiment":"neutral","sentiment_score":-0.0761470276862383},{"text":"My luck, something will happen.","start":337.06,"end":338.18,"sentiment":"neutral","sentiment_score":-0.13469019234180452}],"sentiment":"neutral","sentiment_score":-0.021133378900300998,"num_words":26,"start":308.15,"end":338.18},{"sentences":[{"text":"I'll change it, and then something will happen to me.","start":338.18,"end":340.28,"sentiment":"neutral","sentiment_score":-0.04920605290681124},{"text":"Would it change much, though?","start":349.36502,"end":350.965,"sentiment":"neutral","sentiment_score":-0.020232506468892096},{"text":"Or because I'm getting older.","start":350.965,"end":352.405,"sentiment":"neutral","sentiment_score":-0.058538980036973956},{"text":"Would it change that much?","start":352.405,"end":354.105,"sentiment":"neutral","sentiment_score":-0.00535145103931427},{"text":"Yeah.","start":363.15997,"end":363.47998,"sentiment":"neutral","sentiment_score":0.06119568645954132}],"sentiment":"neutral","sentiment_score":-0.032749212705172025,"num_words":26,"start":338.18,"end":363.47998},{"sentences":[{"text":"No.","start":363.47998,"end":363.71997,"sentiment":"neutral","sentiment_score":0.03907226026058197},{"text":"Just just have a look.","start":363.71997,"end":364.59998,"sentiment":"neutral","sentiment_score":0.04709076732397079},{"text":"And this if it just saves me a little bit to go back onto the soup every year, so might as well.","start":364.59998,"end":369.25998,"sentiment":"neutral","sentiment_score":0.13050522790713745},{"text":"Yeah.","start":371.56,"end":372.06,"sentiment":"neutral","sentiment_score":-0.0047174375504255295},{"text":"Yep.","start":372.805,"end":373.045,"sentiment":"neutral","sentiment_score":0.10775052011013032}],"sentiment":"neutral","sentiment_score":0.10828913977990548,"num_words":30,"start":363.47998,"end":373.045},{"sentences":[{"text":"No.","start":373.045,"end":373.365,"sentiment":"neutral","sentiment_score":0.04386952519416809},{"text":"If I could drop it a little bit, that would be great.","start":373.365,"end":375.365,"sentiment":"neutral","sentiment_score":0.1464113456507524},{"text":"That might change because I think it's just gonna because I've had my birthday, so I think it's gonna go up again soon anyway again.","start":375.365,"end":382.245,"sentiment":"neutral","sentiment_score":0.022726349383592605},{"text":"So we'll just see if I can drop it a little bit.","start":382.245,"end":384.005,"sentiment":"neutral","sentiment_score":0.07379341839502256},{"text":"It would be good.","start":384.005,"end":384.69,"sentiment":"positive","sentiment_score":0.3801884949207306}],"sentiment":"neutral","sentiment_score":0.08843035940770749,"num_words":54,"start":373.045,"end":384.69},{"sentences":[{"text":"So yeah.","start":384.69,"end":385.67,"sentiment":"neutral","sentiment_score":0.12362216785550117},{"text":"Yep.","start":391.09,"end":391.59,"sentiment":"neutral","sentiment_score":0.06747117638587952},{"text":"I don't even know what they are actually cover, to be honest.","start":427.52502,"end":430.64502,"sentiment":"neutral","sentiment_score":-0.2803420089185238},{"text":"I wouldn't have a clue.","start":430.64502,"end":431.86502,"sentiment":"neutral","sentiment_score":-0.2664202362298965},{"text":"I just find out when we changed over when I changed over.","start":432.165,"end":436.005,"sentiment":"neutral","sentiment_score":-0.17422697258492312}],"sentiment":"neutral","sentiment_score":-0.20225667022168636,"num_words":32,"start":384.69,"end":436.005},{"sentences":[{"text":"So I don't actually know what they cover through, sir.","start":436.005,"end":438.345,"sentiment":"neutral","sentiment_score":-0.21148496866226196},{"text":"So, yeah, we could have a look.","start":439.045,"end":440.565,"sentiment":"neutral","sentiment_score":0.031747092359832356},{"text":"I don't I honestly don't know what they cover.","start":440.565,"end":442.5,"sentiment":"neutral","sentiment_score":-0.15363092803292805},{"text":"Mhmm.","start":483.05,"end":483.55,"sentiment":"neutral","sentiment_score":0.13561125099658966},{"text":"Yep.","start":486.425,"end":486.925,"sentiment":"neutral","sentiment_score":0.19446103274822235}],"sentiment":"neutral","sentiment_score":-0.10518664673769049,"num_words":28,"start":436.005,"end":486.925},{"sentences":[{"text":"Yep.","start":493.305,"end":493.805,"sentiment":"neutral","sentiment_score":0.05151093006134033},{"text":"Yep.","start":496.185,"end":496.585,"sentiment":"neutral","sentiment_score":0.04126843065023422},{"text":"No.","start":496.585,"end":496.82498,"sentiment":"neutral","sentiment_score":-0.14220277965068817},{"text":"I haven't got any health issues or anything at least.","start":496.82498,"end":498.82498,"sentiment":"neutral","sentiment_score":-0.2641231968998909},{"text":"No.","start":498.82498,"end":499.17,"sentiment":"neutral","sentiment_score":-0.22780928015708923}],"sentiment":"neutral","sentiment_score":-0.2084617620067937,"num_words":14,"start":493.305,"end":499.17},{"sentences":[{"text":"Nothing major at all of me or anything touch wood.","start":499.33002,"end":501.65002,"sentiment":"neutral","sentiment_score":-0.3003101259469986},{"text":"So, no, I haven't been sick or anything really in the last what is it now?","start":501.65002,"end":505.89,"sentiment":"neutral","sentiment_score":-0.27537206560373306},{"text":"Eleven years now.","start":505.89,"end":506.69,"sentiment":"neutral","sentiment_score":-0.2383204996585846},{"text":"So, no, nothing's actually changed for my house.","start":506.69,"end":509.17,"sentiment":"neutral","sentiment_score":-0.312262462452054},{"text":"So, yeah, touch wood another ten years or something like that.","start":509.17,"end":512.55,"sentiment":"neutral","sentiment_score":-0.14568695561452347}],"sentiment":"neutral","sentiment_score":-0.25468066707253456,"num_words":48,"start":499.33002,"end":512.55},{"sentences":[{"text":"Yeah.","start":523.555,"end":523.875,"sentiment":"neutral","sentiment_score":0.08562009036540985},{"text":"Well, I work nights.","start":523.875,"end":524.995,"sentiment":"neutral","sentiment_score":0.010973124299198389},{"text":"Like, I work ten to six every night.","start":524.995,"end":527.34,"sentiment":"neutral","sentiment_score":0.026082324795424938},{"text":"So yeah.","start":527.34,"end":530.46,"sentiment":"neutral","sentiment_score":0.0044709788635373116},{"text":"And school holidays are coming up, so it's even gonna be worse.","start":530.46,"end":533.12006,"sentiment":"negative","sentiment_score":-0.36105254913369816}],"sentiment":"neutral","sentiment_score":-0.1476117572574704,"num_words":27,"start":523.555,"end":533.12006},{"sentences":[{"text":"Yeah.","start":543.595,"end":543.83496,"sentiment":"neutral","sentiment_score":0.019445452839136124},{"text":"How long does it tie?","start":543.83496,"end":544.635,"sentiment":"neutral","sentiment_score":-0.0008026868104934693},{"text":"Is it is it just by simply questions?","start":544.635,"end":546.235,"sentiment":"neutral","sentiment_score":0.010045191971585155},{"text":"You're just asking questions?","start":546.235,"end":547.115,"sentiment":"neutral","sentiment_score":0.013822159264236689},{"text":"Is that what you ask?","start":547.115,"end":548.175,"sentiment":"neutral","sentiment_score":0.000687696784734726}],"sentiment":"neutral","sentiment_score":0.0067182902408682785,"num_words":23,"start":543.595,"end":548.175},{"sentences":[{"text":"Yep.","start":564.89,"end":565.39,"sentiment":"neutral","sentiment_score":-0.04779283329844475},{"text":"Yeah.","start":566.08997,"end":566.58997,"sentiment":"neutral","sentiment_score":-0.011503532528877258},{"text":"No.","start":566.73,"end":566.97,"sentiment":"neutral","sentiment_score":-0.0918061137199402},{"text":"We could do that.","start":566.97,"end":567.77,"sentiment":"neutral","sentiment_score":-0.057190061546862125},{"text":"What's tomorrow?","start":567.77,"end":568.25494,"sentiment":"neutral","sentiment_score":-0.02523327525705099}],"sentiment":"neutral","sentiment_score":-0.047814364027645856,"num_words":9,"start":564.89,"end":568.25494},{"sentences":[{"text":"Tomorrow's Wednesday.","start":568.25494,"end":569.055,"sentiment":"neutral","sentiment_score":0.0003866991028189659},{"text":"Yeah.","start":569.055,"end":569.535,"sentiment":"neutral","sentiment_score":0.04409411549568176},{"text":"Yep.","start":569.535,"end":569.77496,"sentiment":"neutral","sentiment_score":0.04575715959072113},{"text":"No.","start":569.77496,"end":569.855,"sentiment":"neutral","sentiment_score":-0.020700234919786453},{"text":"That's fine.","start":569.855,"end":570.33496,"sentiment":"neutral","sentiment_score":0.06948813796043396}],"sentiment":"neutral","sentiment_score":0.029842959184731756,"num_words":7,"start":568.25494,"end":570.33496},{"sentences":[{"text":"Tomorrow's fine.","start":570.33496,"end":570.81494,"sentiment":"neutral","sentiment_score":0.08605136722326279},{"text":"I don't work tomorrow night, so that's fine.","start":570.81494,"end":572.675,"sentiment":"neutral","sentiment_score":-0.07928143674507737},{"text":"Yep.","start":583.16,"end":583.66,"sentiment":"neutral","sentiment_score":0.11204487085342409},{"text":"Yep.","start":584.36,"end":584.86,"sentiment":"neutral","sentiment_score":0.15473587810993197},{"text":"Yeah.","start":601.84503,"end":602.165,"sentiment":"neutral","sentiment_score":-0.05352954566478729}],"sentiment":"neutral","sentiment_score":-0.019145965862732664,"num_words":13,"start":570.33496,"end":602.165},{"sentences":[{"text":"Nothing's really changed.","start":602.165,"end":603.045,"sentiment":"neutral","sentiment_score":-0.24246387680371603},{"text":"I just wanna pay off our mortgage, but at at the moment, it's got a bit crazy with everything going on and fuel prices and whatnot.","start":603.045,"end":609.625,"sentiment":"neutral","sentiment_score":-0.22460983836880097},{"text":"So, yeah, I was yeah.","start":610.165,"end":616.66,"sentiment":"neutral","sentiment_score":0.048682337254285814},{"text":"Day to day at the moment.","start":617.2,"end":618.08,"sentiment":"neutral","sentiment_score":0.011199375614523888},{"text":"Yeah.","start":618.08,"end":618.24,"sentiment":"neutral","sentiment_score":0.0701901763677597}],"sentiment":"neutral","sentiment_score":-0.15088900760179613,"num_words":41,"start":602.165,"end":618.24},{"sentences":[{"text":"Well, I've still got two I've got four kids, but I've still got an older one at home, which has independent.","start":618.24,"end":624.04504,"sentiment":"neutral","sentiment_score":0.04725700989365578},{"text":"But I've still got two dependents at home.","start":624.10504,"end":626.28503,"sentiment":"neutral","sentiment_score":0.017058747122064233},{"text":"So, yeah, it's just and, like, they're high school kids.","start":626.825,"end":629.78503,"sentiment":"neutral","sentiment_score":0.05630083382129669},{"text":"So, yeah, you can see the cost is coming out my ears at the moment with those two.","start":629.78503,"end":633.625,"sentiment":"neutral","sentiment_score":0.018043491575453017},{"text":"So yeah.","start":633.625,"end":634.36505,"sentiment":"neutral","sentiment_score":0.123109832406044}],"sentiment":"neutral","sentiment_score":0.038353865019093124,"num_words":59,"start":618.24,"end":634.36505},{"sentences":[{"text":"It's just basically at the moment, we're just going week to week just like with the interest rates going up and down and yeah.","start":634.585,"end":640.17004,"sentiment":"neutral","sentiment_score":0.09691260460143288},{"text":"We just yeah.","start":640.17004,"end":640.81006,"sentiment":"neutral","sentiment_score":0.07463157797853152},{"text":"Just focus basically week to week at the moment for us.","start":640.81006,"end":643.29004,"sentiment":"neutral","sentiment_score":0.10803667455911636},{"text":"So yeah.","start":643.29004,"end":644.75,"sentiment":"neutral","sentiment_score":0.06791818141937256},{"text":"Yep.","start":657.445,"end":657.945,"sentiment":"neutral","sentiment_score":0.04985491931438446}],"sentiment":"neutral","sentiment_score":0.09570468162618033,"num_words":41,"start":634.585,"end":657.945},{"sentences":[{"text":"No.","start":662.565,"end":663.065,"sentiment":"neutral","sentiment_score":-0.17013517022132874},{"text":"At the moment, no.","start":677.505,"end":678.805,"sentiment":"neutral","sentiment_score":-0.08459153026342392},{"text":"Not at the moment.","start":679.905,"end":680.705,"sentiment":"neutral","sentiment_score":-0.11123318411409855},{"text":"No.","start":680.705,"end":681.205,"sentiment":"neutral","sentiment_score":-0.15637223422527313},{"text":"I'm way way more water at the moment now.","start":683.265,"end":686.465,"sentiment":"neutral","sentiment_score":-0.15653866363896263}],"sentiment":"neutral","sentiment_score":-0.13256074919512398,"num_words":19,"start":662.565,"end":686.465},{"sentences":[{"text":"Way the less, the better, to be honest.","start":686.465,"end":688.885,"sentiment":"neutral","sentiment_score":-0.17157487198710442},{"text":"No.","start":708.14496,"end":708.385,"sentiment":"neutral","sentiment_score":-0.24635088443756104},{"text":"I think we'll just wait.","start":708.385,"end":709.425,"sentiment":"neutral","sentiment_score":-0.16427024006843566},{"text":"We'll just yeah.","start":709.425,"end":710.46497,"sentiment":"neutral","sentiment_score":-0.02962278885145982},{"text":"Just gotta write it out, I think, to be sure.","start":710.46497,"end":712.225,"sentiment":"neutral","sentiment_score":-0.04245822932571173}],"sentiment":"neutral","sentiment_score":-0.10939821186992857,"num_words":27,"start":686.465,"end":712.225},{"sentences":[{"text":"I don't really know.","start":712.225,"end":712.865,"sentiment":"neutral","sentiment_score":-0.09724275767803192},{"text":"Honestly, no.","start":712.865,"end":713.505,"sentiment":"neutral","sentiment_score":-0.08572892099618912},{"text":"Just gotta yeah.","start":713.505,"end":714.725,"sentiment":"neutral","sentiment_score":-0.05872103820244471},{"text":"Just gotta write it out, I think.","start":714.865,"end":716.305,"sentiment":"neutral","sentiment_score":-0.028100222083074704},{"text":"Just have to wait and see.","start":716.305,"end":717.685,"sentiment":"neutral","sentiment_score":-0.03863557055592537}],"sentiment":"neutral","sentiment_score":-0.05295940751040524,"num_words":22,"start":712.225,"end":717.685},{"sentences":[{"text":"Hoping good thoughts, but you never know.","start":718.14496,"end":720.325,"sentiment":"neutral","sentiment_score":0.23943675894822394},{"text":"Okay.","start":731.75,"end":732.25,"sentiment":"neutral","sentiment_score":0.11157425493001938},{"text":"Yep.","start":736.615,"end":737.115,"sentiment":"neutral","sentiment_score":0.09967651218175888},{"text":"Yeah.","start":751.26996,"end":751.75,"sentiment":"neutral","sentiment_score":-0.0037488415837287903},{"text":"At the moment, we've literally, like in this house, we've cut everything.","start":751.75,"end":755.18994,"sentiment":"neutral","sentiment_score":-0.027361818899710972}],"sentiment":"neutral","sentiment_score":0.0706917005167766,"num_words":22,"start":718.14496,"end":755.18994},{"sentences":[{"text":"We've even got rid of Foxtel and everything.","start":755.18994,"end":756.87,"sentiment":"neutral","sentiment_score":-0.01891622692346573},{"text":"Like, we've got rid of the confine.","start":756.87,"end":758.14996,"sentiment":"neutral","sentiment_score":-0.059952154489500184},{"text":"Like, everything is literally just bare minimum.","start":758.14996,"end":760.81,"sentiment":"neutral","sentiment_score":-0.09810466319322586},{"text":"So, yeah, it's literally just basically cutting everything back and just going to bear it for the time being at the moment.","start":760.94995,"end":768.305,"sentiment":"neutral","sentiment_score":-0.064162314446135},{"text":"So yeah.","start":768.305,"end":768.965,"sentiment":"neutral","sentiment_score":0.06945828907191753}],"sentiment":"neutral","sentiment_score":-0.05500830171386833,"num_words":46,"start":755.18994,"end":768.965},{"sentences":[{"text":"As my family's able to.","start":769.425,"end":771.205,"sentiment":"neutral","sentiment_score":0.14223104268312453},{"text":"Yeah.","start":785.01,"end":785.51,"sentiment":"neutral","sentiment_score":0.026880448684096336},{"text":"Yeah.","start":790.305,"end":790.805,"sentiment":"neutral","sentiment_score":0.02152581326663494},{"text":"Yeah.","start":792.465,"end":792.785,"sentiment":"neutral","sentiment_score":0.025118786841630936},{"text":"Especially as I get older, they always seem to go out when you get older.","start":792.785,"end":795.185,"sentiment":"neutral","sentiment_score":-0.11743057693044344}],"sentiment":"neutral","sentiment_score":-0.042468625728202904,"num_words":23,"start":769.425,"end":795.185},{"sentences":[{"text":"Every year they go off a little bit extra.","start":795.185,"end":797.105,"sentiment":"neutral","sentiment_score":-0.11916113975975248},{"text":"So yeah.","start":797.105,"end":797.665,"sentiment":"neutral","sentiment_score":0.04348467290401459},{"text":"No.","start":797.665,"end":797.905,"sentiment":"neutral","sentiment_score":0.00723772868514061},{"text":"It sounds good.","start":797.905,"end":798.805,"sentiment":"neutral","sentiment_score":0.2036691059668859},{"text":"We would love to buy a investment property.","start":817.055,"end":821.795,"sentiment":"neutral","sentiment_score":0.21154898032546043}],"sentiment":"neutral","sentiment_score":0.05761547726781472,"num_words":23,"start":795.185,"end":821.795},{"sentences":[{"text":"We would love to.","start":821.855,"end":822.975,"sentiment":"neutral","sentiment_score":0.30205436795949936},{"text":"That was what our goal was ten years ago, and our circumstances changed.","start":822.975,"end":826.33496,"sentiment":"neutral","sentiment_score":0.22337168627060378},{"text":"But, you know, we've always really wanted to buy at least one or maybe two for our two older boys, but, you know, we've just never been quite been able to get there.","start":826.33496,"end":834.93,"sentiment":"neutral","sentiment_score":0.06938408360336766},{"text":"If you know what I mean?","start":834.93,"end":835.81,"sentiment":"neutral","sentiment_score":-0.008781066164374352},{"text":"So I would love to, but we just never had quite enough to get there.","start":835.81,"end":847.15497,"sentiment":"neutral","sentiment_score":-0.0072009320060412085}],"sentiment":"neutral","sentiment_score":0.08790174331253683,"num_words":71,"start":821.855,"end":847.15497},{"sentences":[{"text":"No.","start":859.74,"end":860.24,"sentiment":"neutral","sentiment_score":-0.11265729367733002},{"text":"No.","start":861.25995,"end":861.75995,"sentiment":"neutral","sentiment_score":-0.1868179738521576},{"text":"Yeah.","start":864.3,"end":864.69995,"sentiment":"neutral","sentiment_score":0.02270381711423397},{"text":"Just a little bit.","start":864.69995,"end":865.42,"sentiment":"neutral","sentiment_score":0.02136706653982401},{"text":"Yeah.","start":865.42,"end":865.66,"sentiment":"neutral","sentiment_score":0.0195870790630579}],"sentiment":"neutral","sentiment_score":-0.021464513149112463,"num_words":8,"start":859.74,"end":865.66},{"sentences":[{"text":"Just drop a bit.","start":865.66,"end":866.72,"sentiment":"neutral","sentiment_score":-0.0014584418386220932},{"text":"Just a small.","start":866.94,"end":867.75995,"sentiment":"neutral","sentiment_score":0.019406487544377644},{"text":"Yeah.","start":869.03503,"end":869.43506,"sentiment":"neutral","sentiment_score":-0.009412737563252447},{"text":"Not all I get, I think.","start":869.43506,"end":870.47504,"sentiment":"neutral","sentiment_score":-0.07648853150506814},{"text":"Yeah.","start":870.47504,"end":870.715,"sentiment":"neutral","sentiment_score":0.01945785805583}],"sentiment":"neutral","sentiment_score":-0.026433358217279115,"num_words":15,"start":865.66,"end":870.715},{"sentences":[{"text":"The bit where I get.","start":870.715,"end":871.755,"sentiment":"neutral","sentiment_score":0.010618195682764054},{"text":"So yeah.","start":871.755,"end":872.74506,"sentiment":"neutral","sentiment_score":0.08074813336133957},{"text":"Yep.","start":887.61005,"end":888.11005,"sentiment":"neutral","sentiment_score":0.2008522003889084},{"text":"Yeah.","start":899.95496,"end":900.19495,"sentiment":"neutral","sentiment_score":-0.06484193354845047},{"text":"I just didn't I I don't even know if my sticker went up last year, to be honest.","start":900.19495,"end":903.39496,"sentiment":"neutral","sentiment_score":-0.2368130452103085}],"sentiment":"neutral","sentiment_score":-0.1448902704373554,"num_words":27,"start":870.715,"end":903.39496},{"sentences":[{"text":"I haven't even locked.","start":903.39496,"end":904.27496,"sentiment":"neutral","sentiment_score":-0.3094811365008354},{"text":"So I don't even know if it went up.","start":904.27496,"end":905.95496,"sentiment":"neutral","sentiment_score":-0.2381096358100573},{"text":"Almost, it didn't go up, to be honest, for what I put in it.","start":905.95496,"end":909.555,"sentiment":"neutral","sentiment_score":-0.22796413621732167},{"text":"So Yeah.","start":909.555,"end":940.44,"sentiment":"neutral","sentiment_score":-0.07999583333730698},{"text":"I don't actually think I'm even putting that much in, to be honest.","start":940.44,"end":942.68005,"sentiment":"neutral","sentiment_score":-0.24244362574357253}],"sentiment":"neutral","sentiment_score":-0.23533733277803376,"num_words":42,"start":903.39496,"end":942.68005},{"sentences":[{"text":"I don't even know how much I put in.","start":942.68005,"end":943.80005,"sentiment":"neutral","sentiment_score":-0.24826589226722717},{"text":"It just goes on some work.","start":943.80005,"end":945.4,"sentiment":"neutral","sentiment_score":-0.13788834090034166},{"text":"So yeah.","start":945.4,"end":946.38,"sentiment":"neutral","sentiment_score":0.01817680150270462},{"text":"Sounds good.","start":947.24005,"end":948.06006,"sentiment":"positive","sentiment_score":0.45969258248806},{"text":"Cool.","start":952.945,"end":953.445,"sentiment":"positive","sentiment_score":0.3420344591140747}],"sentiment":"neutral","sentiment_score":-0.08819749243557454,"num_words":20,"start":942.68005,"end":953.445},{"sentences":[{"text":"No.","start":958.225,"end":958.725,"sentiment":"neutral","sentiment_score":-0.09120278805494308},{"text":"No.","start":958.785,"end":959.105,"sentiment":"neutral","sentiment_score":-0.07643605768680573},{"text":"If I just get the insurance just down just a little bit even as long as I'm still covered the kids or something does happen in the mortgage really.","start":959.105,"end":966.62994,"sentiment":"neutral","sentiment_score":-0.047093597465548025},{"text":"That's the main thing in there.","start":966.62994,"end":968.08997,"sentiment":"neutral","sentiment_score":-0.032479491705695786},{"text":"Got a little bit extra to tie them over to get stuff sorted.","start":968.23,"end":971.58997,"sentiment":"neutral","sentiment_score":0.0013740845024585722}],"sentiment":"neutral","sentiment_score":-0.03420734047889709,"num_words":50,"start":958.225,"end":971.58997},{"sentences":[{"text":"So then yeah.","start":971.58997,"end":972.49,"sentiment":"neutral","sentiment_score":0.03454128031929334},{"text":"But then other than that, I think, yeah, I can just drop them a little bit and just, yeah, just wait and see.","start":972.79,"end":977.75,"sentiment":"neutral","sentiment_score":0.09610559718440408},{"text":"And hopefully, next year when it comes back around again, it might be a bit better in the world.","start":977.75,"end":983.015,"sentiment":"neutral","sentiment_score":0.16758499725868828},{"text":"No.","start":992.995,"end":993.48,"sentiment":"neutral","sentiment_score":-0.05650763958692551},{"text":"No.","start":997.32,"end":997.82,"sentiment":"neutral","sentiment_score":-0.1115872710943222}],"sentiment":"neutral","sentiment_score":0.11340580028580859,"num_words":47,"start":971.58997,"end":997.82},{"sentences":[{"text":"Do you mean health insurance?","start":998.12,"end":999.42,"sentiment":"neutral","sentiment_score":-0.08223360776901245},{"text":"No.","start":1000.6,"end":1001.1,"sentiment":"neutral","sentiment_score":-0.16234445571899414},{"text":"No.","start":1001.32,"end":1001.72,"sentiment":"neutral","sentiment_score":-0.1908358633518219},{"text":"I wish I did, but no.","start":1001.72,"end":1003.18,"sentiment":"neutral","sentiment_score":-0.11359778791666031},{"text":"No.","start":1008.44,"end":1008.915,"sentiment":"neutral","sentiment_score":-0.11384516209363936}],"sentiment":"neutral","sentiment_score":-0.11141287482210568,"num_words":14,"start":998.12,"end":1008.915},{"sentences":[{"text":"Do you mean another country?","start":1009.555,"end":1010.595,"sentiment":"neutral","sentiment_score":-0.0597417339682579},{"text":"Is that what you mean?","start":1010.595,"end":1011.57495,"sentiment":"neutral","sentiment_score":-0.058358121663331985},{"text":"No.","start":1012.035,"end":1012.535,"sentiment":"neutral","sentiment_score":-0.08277567476034164},{"text":"No.","start":1012.675,"end":1013.175,"sentiment":"neutral","sentiment_score":-0.1334998905658722},{"text":"No.","start":1019.15497,"end":1019.65497,"sentiment":"neutral","sentiment_score":-0.158206045627594}],"sentiment":"neutral","sentiment_score":-0.07422929916244286,"num_words":13,"start":1009.555,"end":1019.65497},{"sentences":[{"text":"That's a really random question.","start":1019.875,"end":1021.255,"sentiment":"neutral","sentiment_score":-0.17556598484516145},{"text":"Oh, okay.","start":1028.91,"end":1029.5701,"sentiment":"neutral","sentiment_score":0.13099893182516098},{"text":"Cool.","start":1029.87,"end":1030.37,"sentiment":"neutral","sentiment_score":0.3265923857688904},{"text":"Yep.","start":1038.645,"end":1039.125,"sentiment":"neutral","sentiment_score":0.12528404593467712},{"text":"No.","start":1039.125,"end":1039.365,"sentiment":"neutral","sentiment_score":0.1655537486076355}],"sentiment":"neutral","sentiment_score":0.00015981197357177733,"num_words":10,"start":1019.875,"end":1039.365},{"sentences":[{"text":"That sounds good.","start":1039.365,"end":1040.265,"sentiment":"neutral","sentiment_score":0.3303803304831187},{"text":"Yep.","start":1057.5599,"end":1057.88,"sentiment":"neutral","sentiment_score":0.07122330367565155},{"text":"Then how long will that take?","start":1057.88,"end":1059.1599,"sentiment":"neutral","sentiment_score":-0.007139885798096657},{"text":"Like, twenty probably would that be ready tomorrow or they take a few more days?","start":1059.1599,"end":1063.08,"sentiment":"neutral","sentiment_score":-0.013407332077622413},{"text":"Or oh, yep.","start":1063.08,"end":1073.5349,"sentiment":"neutral","sentiment_score":0.0049236199508110685}],"sentiment":"neutral","sentiment_score":0.029756637822304453,"num_words":28,"start":1039.365,"end":1073.5349},{"sentences":[{"text":"Oh, gosh.","start":1073.5349,"end":1074.355,"sentiment":"neutral","sentiment_score":-0.011473351158201694},{"text":"Yeah.","start":1076.735,"end":1077.235,"sentiment":"neutral","sentiment_score":0.023279361426830292},{"text":"Go combing.","start":1081.855,"end":1082.595,"sentiment":"neutral","sentiment_score":-0.01789689715951681},{"text":"Oh, god.","start":1082.87,"end":1083.47,"sentiment":"neutral","sentiment_score":-0.09238095954060555},{"text":"Poor things.","start":1083.47,"end":1084.25,"sentiment":"negative","sentiment_score":-0.3576740622520447}],"sentiment":"neutral","sentiment_score":-0.10395235319932301,"num_words":9,"start":1073.5349,"end":1084.25},{"sentences":[{"text":"That's it.","start":1086.23,"end":1086.7101,"sentiment":"neutral","sentiment_score":-0.06494228541851044},{"text":"No.","start":1086.7101,"end":1086.9501,"sentiment":"neutral","sentiment_score":-0.09484009444713593},{"text":"That sounds good.","start":1086.9501,"end":1087.8501,"sentiment":"neutral","sentiment_score":0.027636339887976646},{"text":"No.","start":1094.7849,"end":1094.9448,"sentiment":"neutral","sentiment_score":-0.19479715824127197},{"text":"That's perfect.","start":1094.9448,"end":1095.5049,"sentiment":"positive","sentiment_score":0.47714872658252716}],"sentiment":"neutral","sentiment_score":0.06863162770039505,"num_words":9,"start":1086.23,"end":1095.5049},{"sentences":[{"text":"Thank you so much for that.","start":1095.5049,"end":1096.7048,"sentiment":"positive","sentiment_score":0.8155983984470367},{"text":"Cool.","start":1096.7048,"end":1097.2048,"sentiment":"positive","sentiment_score":0.6594275832176208},{"text":"Okay.","start":1100.4648,"end":1100.7849,"sentiment":"positive","sentiment_score":0.4431798458099365},{"text":"Awesome.","start":1100.7849,"end":1101.1049,"sentiment":"positive","sentiment_score":0.7949897646903992},{"text":"Have a good day.","start":1101.1049,"end":1101.7449,"sentiment":"positive","sentiment_score":0.7084571868181229}],"sentiment":"positive","sentiment_score":0.7403858716671283,"num_words":13,"start":1095.5049,"end":1101.7449},{"sentences":[{"text":"Bye.","start":1101.7449,"end":1102.2449,"sentiment":"positive","sentiment_score":0.3651573657989502}],"sentiment":"positive","sentiment_score":0.3651573657989502,"num_words":1,"start":1101.7449,"end":1102.2449}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Hi. This is Carl calling from Oakview Financial.\n\nChannel 1: Hello. Don't forget.\n\nChannel 0: Hi, Lynn. It it's Kyle. How are you today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Yeah. Not too bad. Thanks for asking. I had you scheduled in for a bit of a catch up if now is still a good time for you.\n\nChannel 1: Yep. Yep. Perfect.\n\nChannel 0: Perfect. If I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day too.\n\nChannel 1: Yep. Lund Kathleen Bracken, 07/02/1977, 14 Yard Crescent, Oro Hill Square Garden, 4 Toyota.\n\nChannel 0: Perfect. Thank you for that. Now I had you scheduled in for a bit of a follow-up just in regards to insurances. You wanted to speak to your partner before potentially looking at any form of, like, reduction or anything like that. And I\n\nChannel 1: Yep.\n\nChannel 0: was wondering if you've had a chance to have that\n\nChannel 1: Yep.\n\nChannel 0: discussion\n\nChannel 1: We\n\nChannel 0: or not.\n\nChannel 1: yeah. We had a brief cut. He was just wondering how much it would drop, like, to what life insurance sort of stuff and then would, like, what else would drop, like because I also pay for AMI on direct debit as well. Would that drop as well, or would that still stay the same? Or\n\nChannel 0: So in regards to the different types, you've got that trauma cover, which is, like, your crisis recovery listed by AIA there. That one is like a separately linked policy. So within regards to that, you could change that benefit amount as well. You could leave it alone. You don't have to touch it.\n\nSame\n\nChannel 1: Yep.\n\nChannel 0: within regards, like, your life and TPD. The linked TPD is to the life, so you'd have to if you reduce the lifetime, would have to reduce the TPD because the TPD amount can't equal more than the life cover.\n\nChannel 1: Yep.\n\nChannel 0: But you can look at sort of having less TPD and more life as an option, and then you can also look at adjusting the income protection there as well. So you could like, those are the the three So you could like, those are the the three or four types of cover that you could look to adjust, and then it would just sort of depend on, like, how much you were reducing that by. If you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect\n\nChannel 1: Yep. Okay. Yeah. I think I might drop the the, like, the one for work like, the the Tom one. Is that the one I certainly have is at work or not?\n\nChannel 0: cost.\n\nChannel 1: I'm not covered\n\nChannel 0: Trauma's\n\nChannel 1: yet.\n\nChannel 0: the out of pocket one that you pay around the $200 per month, therefore.\n\nChannel 1: Yeah. I'll just leave that one. That's fine. But, yeah, the others, I might drop a little bit if I can if it if it works out a little bit cheaper. But yeah.\n\nChannel 0: And have you\n\nChannel 1: I\n\nChannel 0: had a thought about, like, how much you'd like to be covered for in regards to anything did happen?\n\nChannel 1: he's thinking about maybe 8 to show it down to 8 or 8 and a half for life because that would just cover all debts and stuff and give him a bit more. I don't know how the scale drops. I'm not sure if I can\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: I\n\nChannel 1: determine\n\nChannel 0: can\n\nChannel 1: how much\n\nChannel 0: yeah.\n\nChannel 1: or\n\nChannel 0: We\n\nChannel 1: what.\n\nChannel 0: can just I can once you get the amount so I can do a quote there for for $8.50. And then the way that insurance works generally in the cost of, like, the 250 increments under a million dollars. There might be some sort of, like, cost savings. It like, it's a weird sort of way in which they calculate it. So I can\n\nChannel 1: Okay.\n\nChannel 0: do a quote for $8.50. I can do one for $7.50 for life and TPD just to show you what\n\nChannel 1: Yep.\n\nChannel 0: the the difference might look like. And then in regards to the income protection, were you looking at changing that at all? Are you happy with those cover amount?\n\nChannel 1: I don't even know how much it was. It was quite it wasn't that much. It was a 100,000. How much it was? I think 100.\n\nChannel 0: So the the income protection is the one that costs the most at the moment, and you're covered for a monthly benefit around $5,893, but you can only cover for up to 70% of your current income. It might be a bit different given your policy is a bit older, so I'd have to, like, double check. But at the moment, because you're on the 72,000 roughly as a annual figure, you might not be able to claim on all of that. So would you, like, be interested to see once we sort of find out what that cover is just covering for the max you can actually claim on so you're not paying for cover that you can't actually claim\n\nChannel 1: Yeah.\n\nChannel 0: on?\n\nChannel 1: Yeah. I think it was quite high. Last time I talked to someone last year, even before they did say I was actually paying more than I would be able to cover anyway. So, yeah, we can look\n\nChannel 0: Yeah.\n\nChannel 1: at that one and maybe reduce that one a bit because, yeah, if I can only cover 75 percent of what I'd normally earn anyway. So, hey, might\n\nChannel 0: Yeah.\n\nChannel 1: as well\n\nChannel 0: It\n\nChannel 1: drop\n\nChannel 0: it\n\nChannel 1: it down\n\nChannel 0: depends.\n\nChannel 1: anyway.\n\nChannel 0: I'll have to look at the policy because it is an older policy given that you've had it for quite some time. So we can have a look at that and just do it up to a claimable amount. And then as far as the benefit period and the waiting period, now the waiting period is thirty days, which is quite standard for someone that wants a bit more comprehensive cover. And then from there, you can push that to, like, sixty and ninety depending on how comfortable you are with sort of maintaining your expenses with the, like, two months.\n\nChannel 1: Thirty\n\nChannel 0: That's\n\nChannel 1: thirty days\n\nChannel 0: yes.\n\nChannel 1: would be thirty days would be, like, the max. It could really hold out because I've only really got what yeah. I wouldn't have enough to last. I have to dip into my long service, but I really wouldn't wanna do it if something happened.\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: That's\n\nChannel 1: you\n\nChannel 0: not\n\nChannel 1: know,\n\nChannel 0: a problem at\n\nChannel 1: thirty\n\nChannel 0: all.\n\nChannel 1: day\n\nChannel 0: And then\n\nChannel 1: thirty days sounds good.\n\nChannel 0: the last bit there is you've got a benefit period to the age of 65, which means that if you were to end up on a claim, you could claim all the way up to 65 as a benefit\n\nChannel 1: Oh.\n\nChannel 0: amount, or you could look to having that reduced down to, like, five years so that if you're on a claim, it would only pay up to five years as opposed to all the way up until the age of 65 is another option to look at reducing costs.\n\nChannel 1: No. I just leave it at 65 just in case, no. My luck, something will happen. I'll change it, and then something will happen to me.\n\nChannel 0: Yep. Not not a problem at all there. And you're happy keeping the trauma amount as the the same? You don't wanna look at changing that at all?\n\nChannel 1: Would it change much, though? Or because I'm getting older. Would it change that much?\n\nChannel 0: Just because we're getting quotes anyway, we could just look at a quote down to, like, $1.50 or 100 to see what the the price difference might look like for you.\n\nChannel 1: Yeah. No. Just just have a look. And this if it just saves me a little bit to go back onto the soup every year, so might as well.\n\nChannel 0: Well, that one's out of pocket, so that would be your\n\nChannel 1: Yeah.\n\nChannel 0: out of pocket cost one.\n\nChannel 1: Yep. No. If I could drop it a little bit, that would be great. That might change because I think it's just gonna because I've had my birthday, so I think it's gonna go up again soon anyway again. So we'll just see if I can drop it a little bit.\n\nIt would be good. So yeah.\n\nChannel 0: Yeah. Because I believe March 23 is when it sort of renews\n\nChannel 1: Yep.\n\nChannel 0: for for that one. So that's only just occurred there. So, yeah, that would have been the last time we spoke, actually. And then as far as anything else in regards to so if you're looking at those few quotes, they will get those, and you can have a look at those and make a decision to sort of see if the price difference is worth that. But, obviously, the insurance is getting quite high.\n\nAnd have you thought about given your policies are older, they're probably a little bit more comprehensive. Have you thought about potentially just looking at rewriting given that you sort of don't have any health issues at the moment, or are you happy to just paying the higher amount for your policy that you hold in the event that anything did happen? Or\n\nChannel 1: I don't even know what they are actually cover, to be honest. I wouldn't have a clue. I just find out when we changed over when I changed over. So I don't actually know what they cover through, sir. So, yeah, we could have a look.\n\nI don't I honestly don't know what they cover.\n\nChannel 0: So within regards to that one, we could get you booked in for, like, a pre assessment just to see, like, what in regards to your health, occupation, family history. Because this policy was done in 2015. That's, like, one of the reasons it is quite expensive. So I can get you booked in for a yeah. Are you so so you've had this probably since before you were with OP Financial.\n\nAnd then with in regards to that one, obviously, the older PDF documents for these insurances are generally a bit more comprehensive for the older insurances. But in saying that by looking at revisiting the market, they might be considerably cheaper as well. So that is\n\nChannel 1: Mhmm.\n\nChannel 0: an option as opposed to just doing the reduction. So we\n\nChannel 1: Yep.\n\nChannel 0: could go down that route and just have a review of that and see based on sort of any sort of conditions you might currently have what they'll offer new cover at and then\n\nChannel 1: Yep.\n\nChannel 0: the the trade off with that as well.\n\nChannel 1: Yep. No. I haven't got any health issues or anything at least. No. Nothing major at all of me or anything touch wood.\n\nSo, no, I haven't been sick or anything really in the last what is it now? Eleven years now. So, no, nothing's actually changed for my house. So, yeah, touch\n\nChannel 0: Yep.\n\nChannel 1: wood another ten years or something like that.\n\nChannel 0: So I can get you booked in for that pre assessment just to be able to go through that. Is what sort of are afternoon sort of better for you generally? Or\n\nChannel 1: Yeah. Well, I work nights. Like, I work ten to six every night. So\n\nChannel 0: okay.\n\nChannel 1: yeah. And school holidays\n\nChannel 0: So\n\nChannel 1: are coming up, so it's even gonna be worse.\n\nChannel 0: so maybe even the same time tomorrow around 12:00, I could get you booked in for pre assessment to be able to complete that one.\n\nChannel 1: Yeah. How long does it tie? Is it is it just by simply questions? You're just asking questions? Is that what you ask?\n\nChannel 0: Yeah. It just runs through like a like a question. It's predetermined for, like, your occupation, a little bit more about your job, a little bit about your family history, and a little bit about your own medical history, and then some hobbies and things like that. If you don't have any sort of outstanding or sort of health issues, it generally goes pretty quickly between that fifteen\n\nChannel 1: Yep.\n\nChannel 0: to twenty minutes sort of mark.\n\nChannel 1: Yeah. No. We could do that. What's tomorrow? Tomorrow's Wednesday.\n\nYeah. Yep. No. That's fine. Tomorrow's fine.\n\nI don't work tomorrow night, so that's fine.\n\nChannel 0: Yep. And then if it works out, it's sort of it's in your best interest to keep your your current policy. That's not a problem at all. At least you've done the check to see if you can get something cheaper for something that's more\n\nChannel 1: Yep.\n\nChannel 0: comparative.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem. And then as far as the goals that you're looking to do, did you wanna sort of run through updating your goals and things like that now, or you wanna do that sort of after we have the pre assessment and have a bit of more of an insurance discussion around that?\n\nChannel 1: Yeah. Nothing's really changed. I just wanna pay off our mortgage, but at at the moment, it's got a bit crazy with everything going on and fuel prices and whatnot. So,\n\nChannel 0: So\n\nChannel 1: yeah,\n\nChannel 0: apart\n\nChannel 1: I was\n\nChannel 0: from, like, your long term goals, you sort of just mainly focus on the cost of living and your mortgage\n\nChannel 1: yeah.\n\nChannel 0: repayment?\n\nChannel 1: Day to day at the moment. Yeah. Well, I've still got two I've got four kids, but I've still got an older one at home, which has independent. But I've still got two dependents at home. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's just and, like, they're high school kids. So, yeah, you can see the cost is coming out my ears at the moment with those two. So yeah. It's just basically\n\nChannel 0: Complete\n\nChannel 1: at the\n\nChannel 0: it.\n\nChannel 1: moment, we're just going week to week just like with the interest rates going up and down and yeah. We just yeah. Just focus basically week to week at the moment for us. So\n\nChannel 0: I'm trying\n\nChannel 1: yeah.\n\nChannel 0: to get that sorted. Yeah. No. A 100%. That that's that's understandable.\n\nAnd then the only thing that I'll do, the this call there for you so you're not on the phone too long there, is just confirm your risk profile and go through those questions there for you.\n\nChannel 1: Yep.\n\nChannel 0: So in regards to investments, have you ever made any direct share investments since we,\n\nChannel 1: No.\n\nChannel 0: like, like yeah. Okay. That's not fine. And then as far as, like, obviously, that cost of living and having, obviously, things go up and inflation going up there as well, are you still willing to take on that higher amount of risk to try and outpace inflation?\n\nChannel 1: At the moment, no. Not\n\nChannel 0: So\n\nChannel 1: at\n\nChannel 0: you'd\n\nChannel 1: the moment.\n\nChannel 0: say\n\nChannel 1: No.\n\nChannel 0: you'd say you're a bit more moderate now with how everything\n\nChannel 1: I'm\n\nChannel 0: is\n\nChannel 1: way\n\nChannel 0: at the moment?\n\nChannel 1: way more water at the moment now. Way the less, the better, to be honest.\n\nChannel 0: Yeah. No. That's understandable. And then as far as, like, with the decreases or if your portfolio did decrease more over the next sort of six months given what is happening with the war on that, would you still hold and wait for improvement? Like, you wouldn't make sort of any rash changes of wanting to sell down the cash or anything like that?\n\nChannel 1: No. I think we'll just wait. We'll just yeah. Just gotta write it out, I think, to be sure. I don't really know.\n\nHonestly, no. Just gotta yeah. Just gotta write it out, I think. Just have to wait and see. Hoping\n\nChannel 0: Yeah.\n\nChannel 1: good thoughts, but you never know.\n\nChannel 0: Because with that, they can obviously do a review of your investments with that, given your portfolio is a bit older as well, given your time on board and just looking at doing, like, any sort of refresh since your\n\nChannel 1: Okay.\n\nChannel 0: time on board within regards to that when reviewing those insurances as well.\n\nChannel 1: Yep.\n\nChannel 0: And then as far as, like, your your super dropping, obviously, that makes you a little cautious. But do you have any other concerns? Obviously, you got a quite a bit of time till retirement. Is it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at\n\nChannel 1: Yeah. At the moment, we've literally, like in this house, we've cut everything. We've even got rid of Foxtel and everything. Like, we've got rid of the confine. Like, everything is literally just bare minimum.\n\nSo, yeah, it's literally just basically cutting everything back and just going to bear it for the time being at the moment. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: As\n\nChannel 0: And\n\nChannel 1: my\n\nChannel 0: then\n\nChannel 1: family's\n\nChannel 0: part of\n\nChannel 1: able\n\nChannel 0: that,\n\nChannel 1: to.\n\nChannel 0: once you do the the pre assessments there, we might be able to get the same level of cover without any exclusions or loadings for a lot cheaper price given that the time you hold it. You might lose some benefits, but that will help sort of moving forward there as well because it's only gonna\n\nChannel 1: Yeah.\n\nChannel 0: go up in premium and price, and you don't wanna be paying, like, over $10 for insurances for the next\n\nChannel 1: Yeah.\n\nChannel 0: ten years as well.\n\nChannel 1: Yeah. Especially as I get older, they always seem to go out when you get older. Every year they go off a little bit extra. So yeah. No.\n\nIt sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Exactly right. And then within regards to borrowed money there, would you sort of ever borrow outside of the property, like, for any sort of investments and things if circumstances were different? Obviously, like, with cost of living, would you ever have a loan for, like, an investment portfolio? Or\n\nChannel 1: We would love to buy a investment property. We would love\n\nChannel 0: yeah.\n\nChannel 1: to. That was what our goal was ten years ago, and our circumstances changed. But, you know, we've always really wanted to buy at least one or maybe two for our two older boys, but, you know, we've just never been quite been able to get there. If you know what I mean? So I would love to, but we just never had quite enough to\n\nChannel 0: Yep.\n\nChannel 1: get\n\nChannel 0: No. Understandable. And that does bring you out as a growth investor based on those answers. So around\n\nChannel 1: there.\n\nChannel 0: an 8020 split of, like, growth assets to defensive assets. Now you're currently in a high growth portfolio. Do you feel like you'd still be comfortable in a high growth portfolio moving forward given your time to retirement, or\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: want to look at going down to a growth portfolio?\n\nChannel 1: Yeah. Just a little bit. Yeah. Just drop a bit.\n\nChannel 0: Be it\n\nChannel 1: Just\n\nChannel 0: being\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: small.\n\nChannel 0: little bit more defensive?\n\nChannel 1: Yeah. Not all I get, I think. Yeah. The bit where I get. So yeah.\n\nChannel 0: Yep. No. Understandable. So within regards to that, once you go through your pre assessment and we get you those quotes to be able to have a look and see what the insurers come back with, then we can look at reducing your exposure in the market as well as doing an update there for you.\n\nChannel 1: Yep.\n\nChannel 0: And then we can do that all in conjunction. But is there any other things that you wanna address or any concern other concerns that you did have there, Lynne, or is it mainly the you're just investment exposure and your insurances?\n\nChannel 1: Yeah. I just didn't I I don't even know if my sticker went up last year, to be honest. I haven't even locked. So I don't even know if it went up. Almost, it didn't go up, to be honest, for what\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: With\n\nChannel 1: put\n\nChannel 0: everything\n\nChannel 1: in it. So\n\nChannel 0: that did happen, I'll just have a quick look with in regards to report. I think it was down just a few percent. So given that you have that high allocation to that Bandalong Fund, that did have quite a bad year. And then with the WAR as well, I think it's down about 5% over the last twelve months. So we'll look at trying to update your portfolio there and reduce your insurance cost because it is quite a cost that comes out of your insure like, your superannuation there when you're paying $10 worth of insurance cost as well.\n\nChannel 1: Yeah. I don't actually think I'm even putting that much in, to be honest. I don't even know how much I put in. It just goes on some work. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Sounds\n\nChannel 0: I think\n\nChannel 1: good.\n\nChannel 0: your deposits are a bit over the the 10, so we definitely want to look at trying to get those down for you as well.\n\nChannel 1: Cool.\n\nChannel 0: But any anything else that you're sort of looking at addressing, or is that largely it?\n\nChannel 1: No. No. If I just get the insurance just down just a little bit even as long as I'm still covered the kids or something does happen in the mortgage really. That's the main thing in there. Got a little bit extra to tie them over to get stuff sorted.\n\nSo then yeah. But then other than\n\nChannel 0: Yeah.\n\nChannel 1: that, I think, yeah, I can just drop them a little bit and just, yeah, just wait and see. And hopefully, next year when it comes back around again, it might be a bit better in the world.\n\nChannel 0: Yeah. Okay. Perfect. And then just a few other random questions there. But have you ever declared bank I know this is a bit random, but have you ever declared bankruptcy and a part nine debt agreement at all in?\n\nChannel 1: No.\n\nChannel 0: Yep. And do you have private health cover at the moment as well?\n\nChannel 1: No. Do you mean health insurance?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: No. No.\n\nChannel 0: That's\n\nChannel 1: I wish\n\nChannel 0: fine.\n\nChannel 1: I did, but no.\n\nChannel 0: And are you a tax resident for anywhere but Australia at the moment?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: Do you mean\n\nChannel 0: And\n\nChannel 1: another country? Is that what you mean?\n\nChannel 0: yeah. Yeah. Like another\n\nChannel 1: No.\n\nChannel 0: country. Not\n\nChannel 1: No.\n\nChannel 0: like a different state. And then you don't have any family in politics? You're not involved in any sort of political campaigns or anything like that?\n\nChannel 1: No. That's a really random question.\n\nChannel 0: Yeah. It's just to do with, like, anti money laundering law and a little bit of security as well for people that are in those spaces. So that's fine.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Not a problem at all. But do you have any other questions or concerns in regards to anything there, Lynn, from what I've covered, or are you happy to do that pre assessment and start that\n\nChannel 1: Yep.\n\nChannel 0: process?\n\nChannel 1: No. That sounds good.\n\nChannel 0: Not a problem at all, Lynn. Well, thank you for your time today. I've got you booked in there for tomorrow. They're the same time just to go over that pre assessment there, and I'll get that sent off, and then you can have a discussion around sort of replacing your current cover versus just reducing the cover amounts once those quotes are back as well.\n\nChannel 1: Yep. Then how long will that take? Like, twenty probably would that be ready tomorrow or they take a few more days? Or\n\nChannel 0: No. Because once we do that, we have to send it off to the insurer and get, like, their responses and how they'd rate you in terms of cover. And then given you've got an older policy, generally, they can take up to, like, a week or so to get\n\nChannel 1: oh,\n\nChannel 0: their\n\nChannel 1: yep. Oh,\n\nChannel 0: quotes\n\nChannel 1: gosh.\n\nChannel 0: back in terms of yeah. Just because, like, the newer\n\nChannel 1: Yeah.\n\nChannel 0: PDFs is they can just put it through their softwares, where the older ones, they sort of have to do manual calculation.\n\nChannel 1: Go combing. Oh, god.\n\nChannel 0: Yeah.\n\nChannel 1: Poor things.\n\nChannel 0: A little bit. Because\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: it. No.\n\nChannel 0: yeah.\n\nChannel 1: That sounds\n\nChannel 0: The older\n\nChannel 1: good.\n\nChannel 0: ones are generally quite a bit more comprehensive, but we'll get a wriggle on that for you there, Lynn. But is there anything else there while you got me today?\n\nChannel 1: No. That's perfect. Thank you so much for that. Cool.\n\nChannel 0: No problem at all. Thanks for your time today. I'll speak to you soon, I'm sure.\n\nChannel 1: Okay. Awesome. Have a good day. Bye.\n\nChannel 0: Thanks, Lynn. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.038960523903369904},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.025731917121447623}],"sentiment":"neutral","sentiment_score":0.0265100704615607,"channel":1,"num_words":17,"start":0.16,"end":4.98},{"sentences":[{"text":"Hi.","start":6.3999996,"end":6.56,"sentiment":"neutral","sentiment_score":0.04630377888679504},{"text":"This is Carl calling from Oakview Financial.","start":6.56,"end":8.66,"sentiment":"neutral","sentiment_score":0.046039770756449015}],"sentiment":"neutral","sentiment_score":0.04607277177274227,"channel":0,"num_words":8,"start":6.3999996,"end":8.66},{"sentences":[{"text":"Hello.","start":13.679999,"end":14.0,"sentiment":"neutral","sentiment_score":0.08351704478263855},{"text":"Don't forget.","start":14.0,"end":14.74,"sentiment":"neutral","sentiment_score":0.09481566771864892}],"sentiment":"neutral","sentiment_score":0.09104946007331212,"channel":1,"num_words":3,"start":13.679999,"end":14.74},{"sentences":[{"text":"Hi, Lynn.","start":15.615,"end":16.255001,"sentiment":"neutral","sentiment_score":0.20839564502239227},{"text":"It it's Kyle.","start":16.255001,"end":17.215,"sentiment":"neutral","sentiment_score":0.24291394650936127},{"text":"How are you today?","start":17.215,"end":18.115,"sentiment":"neutral","sentiment_score":0.30567147582769394}],"sentiment":"neutral","sentiment_score":0.2631354480981827,"channel":0,"num_words":9,"start":15.615,"end":18.115},{"sentences":[{"text":"I'm good.","start":18.425,"end":18.905,"sentiment":"positive","sentiment_score":0.49049147963523865},{"text":"How are you?","start":18.905,"end":19.645,"sentiment":"positive","sentiment_score":0.33654212951660156}],"sentiment":"positive","sentiment_score":0.3981218695640564,"channel":1,"num_words":5,"start":18.425,"end":19.645},{"sentences":[{"text":"Yeah.","start":19.775,"end":20.175,"sentiment":"neutral","sentiment_score":0.2440427988767624},{"text":"Not too bad.","start":20.175,"end":20.895,"sentiment":"neutral","sentiment_score":0.25366250177224475},{"text":"Thanks for asking.","start":20.895,"end":21.535,"sentiment":"positive","sentiment_score":0.5411801735560099},{"text":"I had you scheduled in for a bit of a catch up if now is still a good time for you.","start":21.535,"end":24.72,"sentiment":"neutral","sentiment_score":0.23005025798366183}],"sentiment":"neutral","sentiment_score":0.2664152229470866,"channel":0,"num_words":28,"start":19.775,"end":24.72},{"sentences":[{"text":"Yep.","start":24.985,"end":25.465,"sentiment":"neutral","sentiment_score":0.16131512820720673},{"text":"Yep.","start":25.465,"end":25.785,"sentiment":"neutral","sentiment_score":0.2476308047771454},{"text":"Perfect.","start":25.785,"end":26.285,"sentiment":"positive","sentiment_score":0.534805178642273}],"sentiment":"neutral","sentiment_score":0.3145837038755417,"channel":1,"num_words":3,"start":24.985,"end":26.285},{"sentences":[{"text":"Perfect.","start":26.88,"end":27.359999,"sentiment":"positive","sentiment_score":0.5183994770050049},{"text":"If I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day 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yeah.","start":709.425,"end":710.46497,"sentiment":"neutral","sentiment_score":-0.02962278885145982},{"text":"Just gotta write it out, I think, to be sure.","start":710.46497,"end":712.225,"sentiment":"neutral","sentiment_score":-0.04245822932571173},{"text":"I don't really know.","start":712.225,"end":712.865,"sentiment":"neutral","sentiment_score":-0.09724275767803192}],"sentiment":"neutral","sentiment_score":-0.08565755544797234,"channel":1,"num_words":23,"start":708.14496,"end":712.865},{"sentences":[{"text":"Honestly, no.","start":712.865,"end":713.505,"sentiment":"neutral","sentiment_score":-0.08572892099618912},{"text":"Just gotta yeah.","start":713.505,"end":714.725,"sentiment":"neutral","sentiment_score":-0.05872103820244471},{"text":"Just gotta write it out, I think.","start":714.865,"end":716.305,"sentiment":"neutral","sentiment_score":-0.028100222083074704},{"text":"Just have to wait and 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board and just looking at doing, like, any sort of refresh since your","start":720.57996,"end":731.835,"sentiment":"neutral","sentiment_score":0.15877266991883515}],"sentiment":"neutral","sentiment_score":0.15877266991883515,"channel":0,"num_words":40,"start":720.57996,"end":731.835},{"sentences":[{"text":"Okay.","start":731.75,"end":732.25,"sentiment":"neutral","sentiment_score":0.11157425493001938}],"sentiment":"neutral","sentiment_score":0.11157425493001938,"channel":1,"num_words":1,"start":731.75,"end":732.25},{"sentences":[{"text":"time on board within regards to that when reviewing those insurances as 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in terms of yeah.","start":1073.895,"end":1075.5751,"sentiment":"neutral","sentiment_score":-0.01184563934803009},{"text":"Just because, like, the newer","start":1075.5751,"end":1077.1951,"sentiment":"neutral","sentiment_score":-0.008684051781892776}],"sentiment":"neutral","sentiment_score":-0.010264845564961433,"channel":0,"num_words":10,"start":1073.895,"end":1077.1951},{"sentences":[{"text":"Yeah.","start":1076.735,"end":1077.235,"sentiment":"neutral","sentiment_score":0.023279361426830292}],"sentiment":"neutral","sentiment_score":0.023279361426830292,"channel":1,"num_words":1,"start":1076.735,"end":1077.235},{"sentences":[{"text":"PDFs is they can just put it through their softwares, where the older ones, they sort of have to do manual calculation.","start":1077.3351,"end":1081.8351,"sentiment":"neutral","sentiment_score":-0.03533751161938364}],"sentiment":"neutral","sentiment_score":-0.03533751161938364,"channel":0,"num_words":22,"start":1077.3351,"end":1081.8351},{"sentences":[{"text":"Go combing.","start":1081.855,"end":1082.595,"sentiment":"neutral","sentiment_score":-0.01789689715951681},{"text":"Oh, god.","start":1082.87,"end":1083.47,"sentiment":"neutral","sentiment_score":-0.09238095954060555}],"sentiment":"neutral","sentiment_score":-0.05513892835006118,"channel":1,"num_words":4,"start":1081.855,"end":1083.47},{"sentences":[{"text":"Yeah.","start":1083.4,"end":1083.9,"sentiment":"neutral","sentiment_score":-0.12307959049940108}],"sentiment":"neutral","sentiment_score":-0.12307959049940108,"channel":0,"num_words":1,"start":1083.4,"end":1083.9},{"sentences":[{"text":"Poor things.","start":1083.47,"end":1084.25,"sentiment":"negative","sentiment_score":-0.3576740622520447}],"sentiment":"negative","sentiment_score":-0.3576740622520447,"channel":1,"num_words":2,"start":1083.47,"end":1084.25},{"sentences":[{"text":"A little bit.","start":1084.1,"end":1086.0,"sentiment":"neutral","sentiment_score":-0.2227176328500112},{"text":"Because","start":1086.2,"end":1086.44,"sentiment":"neutral","sentiment_score":-0.10261069238185884}],"sentiment":"neutral","sentiment_score":-0.1926908977329731,"channel":0,"num_words":4,"start":1084.1,"end":1086.44},{"sentences":[{"text":"That's","start":1086.23,"end":1086.4701,"sentiment":"neutral","sentiment_score":-0.06834758818149567}],"sentiment":"neutral","sentiment_score":-0.06834758818149567,"channel":1,"num_words":1,"start":1086.23,"end":1086.4701},{"sentences":[{"text":"it","start":1086.44,"end":1086.68,"sentiment":"neutral","sentiment_score":-0.09109103679656982}],"sentiment":"neutral","sentiment_score":-0.09109103679656982,"channel":0,"num_words":1,"start":1086.44,"end":1086.68},{"sentences":[{"text":"it.","start":1086.4701,"end":1086.7101,"sentiment":"neutral","sentiment_score":-0.06153698265552521},{"text":"No.","start":1086.7101,"end":1086.9501,"sentiment":"neutral","sentiment_score":-0.09484009444713593}],"sentiment":"neutral","sentiment_score":-0.07818853855133057,"channel":1,"num_words":2,"start":1086.4701,"end":1086.9501},{"sentences":[{"text":"yeah.","start":1086.84,"end":1087.16,"sentiment":"neutral","sentiment_score":-0.02864016965031624}],"sentiment":"neutral","sentiment_score":-0.02864016965031624,"channel":0,"num_words":1,"start":1086.84,"end":1087.16},{"sentences":[{"text":"That sounds","start":1086.9501,"end":1087.3501,"sentiment":"neutral","sentiment_score":0.052165064960718155}],"sentiment":"neutral","sentiment_score":0.052165064960718155,"channel":1,"num_words":2,"start":1086.9501,"end":1087.3501},{"sentences":[{"text":"The older","start":1087.16,"end":1087.48,"sentiment":"neutral","sentiment_score":-0.0055554211139678955}],"sentiment":"neutral","sentiment_score":-0.0055554211139678955,"channel":0,"num_words":2,"start":1087.16,"end":1087.48},{"sentences":[{"text":"good.","start":1087.3501,"end":1087.8501,"sentiment":"neutral","sentiment_score":-0.02142111025750637}],"sentiment":"neutral","sentiment_score":-0.02142111025750637,"channel":1,"num_words":1,"start":1087.3501,"end":1087.8501},{"sentences":[{"text":"ones are generally quite a bit more comprehensive, but we'll get a wriggle on that for you there, Lynn.","start":1087.48,"end":1092.44,"sentiment":"neutral","sentiment_score":0.09825361049488972},{"text":"But is there anything else there while you got me today?","start":1092.44,"end":1094.3849,"sentiment":"neutral","sentiment_score":0.020052816380154003}],"sentiment":"neutral","sentiment_score":0.06957998598615328,"channel":0,"num_words":30,"start":1087.48,"end":1094.3849},{"sentences":[{"text":"No.","start":1094.7849,"end":1094.9448,"sentiment":"neutral","sentiment_score":-0.19479715824127197},{"text":"That's perfect.","start":1094.9448,"end":1095.5049,"sentiment":"positive","sentiment_score":0.47714872658252716},{"text":"Thank you so much for that.","start":1095.5049,"end":1096.7048,"sentiment":"positive","sentiment_score":0.8155983984470367},{"text":"Cool.","start":1096.7048,"end":1097.2048,"sentiment":"positive","sentiment_score":0.6594275832176208}],"sentiment":"positive","sentiment_score":0.6312518268823624,"channel":1,"num_words":10,"start":1094.7849,"end":1097.2048},{"sentences":[{"text":"No problem at all.","start":1096.945,"end":1097.5848,"sentiment":"positive","sentiment_score":0.6022828966379166},{"text":"Thanks for your time today.","start":1097.5848,"end":1098.8049,"sentiment":"positive","sentiment_score":0.7709696650505066},{"text":"I'll speak to you soon, I'm sure.","start":1098.945,"end":1100.4049,"sentiment":"positive","sentiment_score":0.43321635467665537}],"sentiment":"positive","sentiment_score":0.5810308996587992,"channel":0,"num_words":16,"start":1096.945,"end":1100.4049},{"sentences":[{"text":"Okay.","start":1100.4648,"end":1100.7849,"sentiment":"positive","sentiment_score":0.4431798458099365},{"text":"Awesome.","start":1100.7849,"end":1101.1049,"sentiment":"positive","sentiment_score":0.7949897646903992},{"text":"Have a good day.","start":1101.1049,"end":1101.7449,"sentiment":"positive","sentiment_score":0.7084571868181229},{"text":"Bye.","start":1101.7449,"end":1102.2449,"sentiment":"positive","sentiment_score":0.3651573657989502}],"sentiment":"positive","sentiment_score":0.6338793890816825,"channel":1,"num_words":7,"start":1100.4648,"end":1102.2449},{"sentences":[{"text":"Thanks, Lynn.","start":1102.2249,"end":1102.7849,"sentiment":"positive","sentiment_score":0.637569397687912},{"text":"Bye.","start":1102.7849,"end":1103.0399,"sentiment":"neutral","sentiment_score":-0.1030709445476532}],"sentiment":"positive","sentiment_score":0.39068928360939026,"channel":0,"num_words":3,"start":1102.2249,"end":1103.0399}]},"summary":{"result":"success","short":"Kyle from Oakview Financial contacts Lynn to follow up on her insurance request and offer coverage options for life and TPD. Lynn is interested in reducing her coverage amount and increasing her coverage for life and TPD, and the agent suggests reducing her coverage amount and increasing her coverage for life and TPD. The agent also advises Lynn to update her risk profile and reduce her investment exposure while updating her portfolio. The agent provides information on the pre assessment process and asks about Lynn's health insurance coverage and political campaigns."},"intents":{"segments":[{"text":"If I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day too. Yep.","start_word":74,"end_word":100,"intents":[{"intent":"Schedule and pass through security","confidence_score":0.0007454468}]},{"text":"Now I had you scheduled in for a bit of a follow-up just in regards to insurances. You wanted to speak to your partner before potentially looking at any form of, like, reduction or anything like that. And I Yep.","start_word":119,"end_word":158,"intents":[{"intent":"Discuss insurances","confidence_score":0.3555048}]},{"text":"We had a brief cut. He was just wondering how much it would drop, like, to what life insurance sort of stuff and then would, like, what else would drop, like because I also pay for AMI on direct debit as well. Would that drop as well, or would that still stay the same?","start_word":175,"end_word":228,"intents":[{"intent":"Discuss insurance drop","confidence_score":0.083787285},{"intent":"Discuss policy type","confidence_score":0.00049007166}]},{"text":"But you can look at sort of having less TPD and more life as an option, and then you can also look at adjusting the income protection there as well.","start_word":327,"end_word":356,"intents":[{"intent":"Discuss benefit amount and adjust income protection","confidence_score":0.00051593885}]},{"text":"So you could like, those are the the three So you could like, those are the the three or four types of cover that you could look to adjust, and then it would just sort of depend on, like, how much you were reducing that by. If you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect Yep. Okay. Yeah.","start_word":358,"end_word":425,"intents":[{"intent":"Adjust coverage","confidence_score":0.4064086}]},{"text":"If you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect Yep.","start_word":403,"end_word":422,"intents":[{"intent":"Change cover amount","confidence_score":0.70455664}]},{"text":"I think I might drop the the, like, the one for work like, the the Tom one. Is that the one I certainly have is at work or not? cost.","start_word":425,"end_word":454,"intents":[{"intent":"Drop out of work","confidence_score":0.0029301872}]},{"text":"just I determine can how much yeah. or We what.","start_word":577,"end_word":586,"intents":[{"intent":"Determine cost","confidence_score":0.44717243}]},{"text":"just I determine can how much yeah. or We what. can just I can once you get the amount so I can do a quote there for for $8.50. And then the way that insurance works generally in the cost of, like, the 250 increments under a million dollars. There might be some sort of, like, cost savings. It like, it's a weird sort of way in which they calculate it. So I can Okay.","start_word":577,"end_word":651,"intents":[{"intent":"Calculate quote","confidence_score":0.45962337},{"intent":"Determine cost savings","confidence_score":0.06711863}]},{"text":"can just I can once you get the amount so I can do a quote there for for $8.50.","start_word":587,"end_word":605,"intents":[{"intent":"Obtain quote","confidence_score":0.0059346603},{"intent":"Get quote for $9","confidence_score":0.000004302079}]},{"text":"So would you, like, be interested to see once we sort of find out what that cover is just covering for the max you can actually claim on so you're not paying for cover that you can't actually claim Yeah. on? Yeah.","start_word":810,"end_word":851,"intents":[{"intent":"Clarify policy coverage","confidence_score":0.034516487}]},{"text":"amount, or you could look to having that reduced down to, like, five years so that if you're on a claim, it would only pay up to five years as opposed to all the way up until the age of 65 is another option to look at reducing costs. No.","start_word":1137,"end_word":1186,"intents":[{"intent":"Reduce costs","confidence_score":0.2905149}]},{"text":"Just because we're getting quotes anyway, we could just look at a quote down to, like, $1.50 or 100 to see what the the price difference might look like for you. Yeah.","start_word":1255,"end_word":1286,"intents":[{"intent":"Obtain quotes","confidence_score":0.008068639}]},{"text":"If I could drop it a little bit, that would be great. That might change because I think it's just gonna because I've had my birthday, so I think it's gonna go up again soon anyway again. So we'll just see if I can drop it a little bit. It would be good.","start_word":1334,"end_word":1386,"intents":[{"intent":"Drop cost","confidence_score":0.39911997},{"intent":"Ensure availability","confidence_score":0.000052367126}]},{"text":"Because I believe March 23 is when it sort of renews Yep. for for that one.","start_word":1390,"end_word":1405,"intents":[{"intent":"Renew insurance","confidence_score":0.0066368543}]},{"text":"And have you thought about given your policies are older, they're probably a little bit more comprehensive. Have you thought about potentially just looking at rewriting given that you sort of don't have any health issues at the moment, or are you happy to just paying the higher amount for your policy that you hold in the event that anything did happen? Or I don't even know what they are actually cover, to be honest.","start_word":1477,"end_word":1551,"intents":[{"intent":"Discuss policy options","confidence_score":0.004618614}]},{"text":"So I can get you booked in for that pre assessment just to be able to go through that.","start_word":1832,"end_word":1850,"intents":[{"intent":"Make pre assessment","confidence_score":0.0016802426},{"intent":"Complete pre assessment","confidence_score":0.6245995}]},{"text":"Like, I work ten to six every night. So okay. yeah.","start_word":1868,"end_word":1878,"intents":[{"intent":"Work nights","confidence_score":0.03901675}]},{"text":"And then if it works out, it's sort of it's in your best interest to keep your your current policy.","start_word":2041,"end_word":2060,"intents":[{"intent":"Confirm policy","confidence_score":0.02390274}]},{"text":"And then as far as the goals that you're looking to do, did you wanna sort of run through updating your goals and things like that now, or you wanna do that sort of after we have the pre assessment and have a bit of more of an insurance discussion around that? Yeah.","start_word":2091,"end_word":2143,"intents":[{"intent":"Update goals","confidence_score":0.5461512}]},{"text":"Nothing's really changed. I just wanna pay off our mortgage, but at at the moment, it's got a bit crazy with everything going on and fuel prices and whatnot.","start_word":2144,"end_word":2172,"intents":[{"intent":"Pay mortgage","confidence_score":0.032608535},{"intent":"Pay off mortgage","confidence_score":0.084282115}]},{"text":"So, So yeah, apart I was from, like, your long term goals, you sort of just mainly focus on the cost of living and your mortgage yeah. repayment?","start_word":2174,"end_word":2201,"intents":[{"intent":"Focus on cost of living and mortgage repayment","confidence_score":0.063726}]},{"text":"That that's that's understandable. And then the only thing that I'll do, the this call there for you so you're not on the phone too long there, is just confirm your risk profile and go through those questions there for you. Yep.","start_word":2320,"end_word":2361,"intents":[{"intent":"Confirm risk profile","confidence_score":0.5498628},{"intent":"Confirm risk profile","confidence_score":0.3648624},{"intent":"Confirm risk profile","confidence_score":0.12276606}]},{"text":"So in regards to investments, have you ever made any direct share investments since we, No.","start_word":2362,"end_word":2377,"intents":[{"intent":"Discuss investments","confidence_score":0.0024819}]},{"text":"Because with that, they can obviously do a review of your investments with that, given your portfolio is a bit older as well, given your time on board and just looking at doing, like, any sort of refresh since your Okay. time on board within regards to that when reviewing those insurances as well. Yep.","start_word":2583,"end_word":2637,"intents":[{"intent":"Review portfolio","confidence_score":0.060492247}]},{"text":"And then as far as, like, your your super dropping, obviously, that makes you a little cautious. But do you have any other concerns?","start_word":2638,"end_word":2661,"intents":[{"intent":"Express concern","confidence_score":0.009013644}]},{"text":"Obviously, you got a quite a bit of time till retirement. Is it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at Yeah.","start_word":2662,"end_word":2696,"intents":[{"intent":"Discuss retirement budget","confidence_score":0.0020936297}]},{"text":"Is it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at Yeah.","start_word":2673,"end_word":2696,"intents":[{"intent":"Discuss insurance premiums","confidence_score":0.09755695}]},{"text":"As And my then family's part of able that, to. once you do the the pre assessments there, we might be able to get the same level of cover without any exclusions or loadings for a lot cheaper price given that the time you hold it. You might lose some benefits, but that will help sort of moving forward there as well because it's only gonna Yeah.","start_word":2756,"end_word":2822,"intents":[{"intent":"Discuss family benefits","confidence_score":0.01889391}]},{"text":"go up in premium and price, and you don't wanna be paying, like, over $10 for insurances for the next Yeah.","start_word":2823,"end_word":2843,"intents":[{"intent":"Discuss costs","confidence_score":0.0032142312}]},{"text":"ten years as well. Yeah. Especially as I get older, they always seem to go out when you get older. Every year they go off a little bit extra. So yeah.","start_word":2844,"end_word":2874,"intents":[{"intent":"Discuss future payments","confidence_score":0.00065232016}]},{"text":"And then within regards to borrowed money there, would you sort of ever borrow outside of the property, like, for any sort of investments and things if circumstances were different?","start_word":2883,"end_word":2912,"intents":[{"intent":"Discuss borrowing options and goals","confidence_score":0.011732221}]},{"text":"Do you feel like you'd still be comfortable in a high growth portfolio moving forward given your time to retirement, or No.","start_word":3047,"end_word":3068,"intents":[{"intent":"Determine comfort in growth portfolio","confidence_score":0.004876518}]},{"text":"want to look at going down to a growth portfolio? Yeah.","start_word":3071,"end_word":3081,"intents":[{"intent":"Determine best strategy for growth portfolio","confidence_score":0.000014910947}]},{"text":"So within regards to that, once you go through your pre assessment and we get you those quotes to be able to have a look and see what the insurers come back with, then we can look at reducing your exposure in the market as well as doing an update there for you. Yep.","start_word":3120,"end_word":3173,"intents":[{"intent":"Ask about insurance coverage","confidence_score":0.00006927286}]},{"text":"But is there any other things that you wanna address or any concern other concerns that you did have there, Lynne, or is it mainly the you're just investment exposure and your insurances? Yeah.","start_word":3183,"end_word":3216,"intents":[{"intent":"Address concerns","confidence_score":0.22216089}]},{"text":"So we'll look at trying to update your portfolio there and reduce your insurance cost because it is quite a cost that comes out of your insure like, your superannuation there when you're paying $10 worth of insurance cost as well. Yeah.","start_word":3326,"end_word":3367,"intents":[{"intent":"Discuss portfolio update and reduce insurance costs","confidence_score":0.000040287723}]},{"text":"But any anything else that you're sort of looking at addressing, or is that largely it? No. No.","start_word":3429,"end_word":3446,"intents":[{"intent":"Address personal insurance concerns","confidence_score":0.0030336129}]},{"text":"But have you ever declared bank I know this is a bit random, but have you ever declared bankruptcy and a part nine debt agreement at all in? No. Yep.","start_word":3553,"end_word":3582,"intents":[{"intent":"Discuss bank declaration and debt agreement","confidence_score":0.010472881}]},{"text":"And are you a tax resident for anywhere but Australia at the moment? No. Yep.","start_word":3614,"end_word":3628,"intents":[{"intent":"Introduce self","confidence_score":0.00022422477},{"intent":"Introduce self","confidence_score":0.000248048}]},{"text":"Then how long will that take? Like, twenty probably would that be ready tomorrow or they take a few more days? Or No.","start_word":3821,"end_word":3843,"intents":[{"intent":"Explain delay for assessment","confidence_score":0.000002897018}]},{"text":"Because once we do that, we have to send it off to the insurer and get, like, their responses and how they'd rate you in terms of cover. And then given you've got an older policy, generally, they can take up to, like, a week or so to get oh, their yep.","start_word":3844,"end_word":3895,"intents":[{"intent":"Ask about insurance coverage","confidence_score":0.017388713},{"intent":"Ask about insurance coverage","confidence_score":0.003402826}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hi. This is Carl calling from Oakview Financial. Hello. Don't forget. Hi, Lynn. It it's Kyle. How are you today?","start_word":0,"end_word":36,"sentiment":"neutral","sentiment_score":0.10060503333806992},{"text":"I'm good. How are you?","start_word":37,"end_word":41,"sentiment":"positive","sentiment_score":0.4257981479167938},{"text":"Yeah. Not too bad.","start_word":42,"end_word":45,"sentiment":"neutral","sentiment_score":0.25777480006217957},{"text":"Thanks for asking.","start_word":46,"end_word":48,"sentiment":"positive","sentiment_score":0.5363496541976929},{"text":"I had you scheduled in for a bit of a catch up if now is still a good time for you. Yep. Yep.","start_word":49,"end_word":71,"sentiment":"neutral","sentiment_score":0.22583907842636108},{"text":"Perfect. Perfect.","start_word":72,"end_word":73,"sentiment":"positive","sentiment_score":0.5266023278236389},{"text":"If I could just pass you through security, just that name, date of birth, and card, I just can get stuck into that one day too. Yep. Lund Kathleen Bracken, 07/02/1977, 14 Yard Crescent, Oro Hill Square Garden, 4 Toyota.","start_word":74,"end_word":113,"sentiment":"neutral","sentiment_score":0.11673729121685028},{"text":"Perfect. Thank you for that.","start_word":114,"end_word":118,"sentiment":"positive","sentiment_score":0.5174287557601929},{"text":"Now I had you scheduled in for a bit of a follow-up just in regards to insurances. You wanted to speak to your partner before potentially looking at any form of, like, reduction or anything like that. And I Yep. was wondering if you've had a chance to have that Yep. discussion We or not. yeah. We had a brief cut. He was just wondering how much it would drop, like, to what life insurance sort of stuff and then would, like, what else would drop, like because I also pay for AMI on direct debit as well. Would that drop as well, or would that still stay the same? Or So in regards to the different types, you've got that trauma cover, which is, like, your crisis recovery listed by AIA there. That one is like a separately linked policy. So within regards to that, you could change that benefit amount as well. You could leave it alone. You don't have to touch it. Same Yep. within regards, like, your life and TPD. The linked TPD is to the life, so you'd have to if you reduce the lifetime, would have to reduce the TPD because the TPD amount can't equal more than the life cover. Yep. But you can look at sort of having less TPD and more life as an option, and then you can also look at adjusting the income protection there as well. So you could like, those are the the three So you could like, those are the the three or four types of cover that you could look to adjust, and then it would just sort of depend on, like, how much you were reducing that by. If you're wanting to change, like, your waiting periods for income protection, things like that, that would all affect Yep. Okay. Yeah. I think I might drop the the, like, the one for work like, the the Tom one. Is that the one I certainly have is at work or not? cost. I'm not covered Trauma's yet. the out of pocket one that you pay around the $200 per month, therefore. Yeah. I'll just leave that one. That's fine. But, yeah, the others, I might drop a little bit if I can if it if it works out a little bit cheaper. But yeah. And have you I had a thought about, like, how much you'd like to be covered for in regards to anything did happen? he's thinking about maybe 8 to show it down to 8 or 8 and a half for life because that would just cover all debts and stuff and give him a bit more. I don't know how the scale drops. I'm not sure if I can Yeah. just I determine can how much yeah. or We what. can just I can once you get the amount so I can do a quote there for for $8.50. And then the way that insurance works generally in the cost of, like, the 250 increments under a million dollars. There might be some sort of, like, cost savings. It like, it's a weird sort of way in which they calculate it. So I can Okay. do a quote for $8.50. I can do one for $7.50 for life and TPD just to show you what Yep. the the difference might look like. And then in regards to the income protection, were you looking at changing that at all? Are you happy with those cover amount? I don't even know how much it was. It was quite it wasn't that much. It was a 100,000. How much it was? I think 100. So the the income protection is the one that costs the most at the moment, and you're covered for a monthly benefit around $5,893, but you can only cover for up to 70% of your current income. It might be a bit different given your policy is a bit older, so I'd have to, like, double check. But at the moment, because you're on the 72,000 roughly as a annual figure, you might not be able to claim on all of that. So would you, like, be interested to see once we sort of find out what that cover is just covering for the max you can actually claim on so you're not paying for cover that you can't actually claim Yeah. on? Yeah. I think it was quite high. Last time I talked to someone last year, even before they did say I was actually paying more than I would be able to cover anyway. So, yeah, we can look Yeah. at that one and maybe reduce that one a bit because, yeah, if I can only cover 75 percent of what I'd normally earn anyway. So, hey, might Yeah. as well It drop it it down depends. anyway. I'll have to look at the policy because it is an older policy given that you've had it for quite some time. So we can have a look at that and just do it up to a claimable amount. And then as far as the benefit period and the waiting period, now the waiting period is thirty days, which is quite standard for someone that wants a bit more comprehensive cover. And then from there, you can push that to, like, sixty and ninety depending on how comfortable you are with sort of maintaining your expenses with the, like, two months. Thirty That's thirty days yes. would be thirty days would be, like, the max. It could really hold out because I've only really got what yeah.","start_word":119,"end_word":1054,"sentiment":"neutral","sentiment_score":-0.0009524492909718886},{"text":"I wouldn't have enough to last. I have to dip into my long service, but I really wouldn't wanna do it if something happened.","start_word":1055,"end_word":1078,"sentiment":"negative","sentiment_score":-0.41734933853149414},{"text":"Yeah. So, That's you not know, a problem at thirty all. day And then thirty days sounds good. the last bit there is you've got a benefit period to the age of 65, which means that if you were to end up on a claim, you could claim all the way up to 65 as a benefit Oh. amount, or you could look to having that reduced down to, like, five years so that if you're on a claim, it would only pay up to five years as opposed to all the way up until the age of 65 is another option to look at reducing costs. No. I just leave it at 65 just in case, no. My luck, something will happen. I'll change it, and then something will happen to me. Yep. Not not a problem at all there. And you're happy keeping the trauma amount as the the same? You don't wanna look at changing that at all? Would it change much, though? Or because I'm getting older. Would it change that much? Just because we're getting quotes anyway, we could just look at a quote down to, like, $1.50 or 100 to see what the the price difference might look like for you. Yeah. No. Just just have a look. And this if it just saves me a little bit to go back onto the soup every year, so might as well. Well, that one's out of pocket, so that would be your Yeah. out of pocket cost one. Yep. No. If I could drop it a little bit, that would be great. That might change because I think it's just gonna because I've had my birthday, so I think it's gonna go up again soon anyway again. So we'll just see if I can drop it a little bit.","start_word":1079,"end_word":1382,"sentiment":"neutral","sentiment_score":0.05152379858650659},{"text":"It would be good.","start_word":1383,"end_word":1386,"sentiment":"positive","sentiment_score":0.36104440689086914},{"text":"So yeah. Yeah. Because I believe March 23 is when it sort of renews Yep. for for that one. So that's only just occurred there. So, yeah, that would have been the last time we spoke, actually. And then as far as anything else in regards to so if you're looking at those few quotes, they will get those, and you can have a look at those and make a decision to sort of see if the price difference is worth that. But, obviously, the insurance is getting quite high. And have you thought about given your policies are older, they're probably a little bit more comprehensive. Have you thought about potentially just looking at rewriting given that you sort of don't have any health issues at the moment, or are you happy to just paying the higher amount for your policy that you hold in the event that anything did happen? Or I don't even know what they are actually cover, to be honest. I wouldn't have a clue. I just find out when we changed over when I changed over. So I don't actually know what they cover through, sir. So, yeah, we could have a look. I don't I honestly don't know what they cover. So within regards to that one, we could get you booked in for, like, a pre assessment just to see, like, what in regards to your health, occupation, family history. Because this policy was done in 2015. That's, like, one of the reasons it is quite expensive. So I can get you booked in for a yeah. Are you so so you've had this probably since before you were with OP Financial. And then with in regards to that one, obviously, the older PDF documents for these insurances are generally a bit more comprehensive for the older insurances. But in saying that by looking at revisiting the market, they might be considerably cheaper as well. So that is Mhmm. an option as opposed to just doing the reduction. So we Yep. could go down that route and just have a review of that and see based on sort of any sort of conditions you might currently have what they'll offer new cover at and then Yep. the the trade off with that as well. Yep. No. I haven't got any health issues or anything at least. No. Nothing major at all of me or anything touch wood. So, no, I haven't been sick or anything really in the last what is it now? Eleven years now. So, no, nothing's actually changed for my house. So, yeah, touch Yep. wood another ten years or something like that. So I can get you booked in for that pre assessment just to be able to go through that. Is what sort of are afternoon sort of better for you generally? Or Yeah. Well, I work nights. Like, I work ten to six every night. So okay. yeah.","start_word":1387,"end_word":1878,"sentiment":"neutral","sentiment_score":-0.013687586548124872},{"text":"And school holidays So are coming up, so it's even gonna be worse.","start_word":1879,"end_word":1891,"sentiment":"negative","sentiment_score":-0.378166139125824},{"text":"so maybe even the same time tomorrow around 12:00, I could get you booked in for pre assessment to be able to complete that one. Yeah. How long does it tie? Is it is it just by simply questions? You're just asking questions? Is that what you ask? Yeah. It just runs through like a like a question. It's predetermined for, like, your occupation, a little bit more about your job, a little bit about your family history, and a little bit about your own medical history, and then some hobbies and things like that. If you don't have any sort of outstanding or sort of health issues, it generally goes pretty quickly between that fifteen Yep. to twenty minutes sort of mark. Yeah. No. We could do that. What's tomorrow? Tomorrow's Wednesday. Yeah. Yep. No. That's fine. Tomorrow's fine. I don't work tomorrow night, so that's fine. Yep. And then if it works out, it's sort of it's in your best interest to keep your your current policy. That's not a problem at all. At least you've done the check to see if you can get something cheaper for something that's more Yep. comparative. Yep. Not a problem. And then as far as the goals that you're looking to do, did you wanna sort of run through updating your goals and things like that now, or you wanna do that sort of after we have the pre assessment and have a bit of more of an insurance discussion around that? Yeah. Nothing's really changed. I just wanna pay off our mortgage, but at at the moment, it's got a bit crazy with everything going on and fuel prices and whatnot. So, So yeah, apart I was from, like, your long term goals, you sort of just mainly focus on the cost of living and your mortgage yeah. repayment? Day to day at the moment. Yeah. Well, I've still got two I've got four kids, but I've still got an older one at home, which has independent. But I've still got two dependents at home. So, Yep. yeah, it's just and, like, they're high school kids. So, yeah, you can see the cost is coming out my ears at the moment with those two. So yeah. It's just basically Complete at the it. moment, we're just going week to week just like with the interest rates going up and down and yeah. We just yeah. Just focus basically week to week at the moment for us. So I'm trying yeah. to get that sorted. Yeah. No. A 100%. That that's that's understandable. And then the only thing that I'll do, the this call there for you so you're not on the phone too long there, is just confirm your risk profile and go through those questions there for you. Yep. So in regards to investments, have you ever made any direct share investments since we, No. like, like yeah. Okay. That's not fine. And then as far as, like, obviously, that cost of living and having, obviously, things go up and inflation going up there as well, are you still willing to take on that higher amount of risk to try and outpace inflation? At the moment, no. Not So at you'd the moment. say No. you'd say you're a bit more moderate now with how everything I'm is way at the moment? way more water at the moment now. Way the less, the better, to be honest. Yeah. No. That's understandable. And then as far as, like, with the decreases or if your portfolio did decrease more over the next sort of six months given what is happening with the war on that, would you still hold and wait for improvement? Like, you wouldn't make sort of any rash changes of wanting to sell down the cash or anything like that? No. I think we'll just wait. We'll just yeah. Just gotta write it out, I think, to be sure. I don't really know. Honestly, no. Just gotta yeah. Just gotta write it out, I think. Just have to wait and see. Hoping Yeah. good thoughts, but you never know. Because with that, they can obviously do a review of your investments with that, given your portfolio is a bit older as well, given your time on board and just looking at doing, like, any sort of refresh since your Okay. time on board within regards to that when reviewing those insurances as well. Yep. And then as far as, like, your your super dropping, obviously, that makes you a little cautious. But do you have any other concerns? Obviously, you got a quite a bit of time till retirement. Is it mainly sort of just focused on reducing the insurance premiums coming out so you're not paying too much and looking at Yeah. At the moment, we've literally, like in this house, we've cut everything. We've even got rid of Foxtel and everything. Like, we've got rid of the confine. Like, everything is literally just bare minimum. So, yeah, it's literally just basically cutting everything back and just going to bear it for the time being at the moment. So yeah. Yeah. As And my then family's part of able that, to. once you do the the pre assessments there, we might be able to get the same level of cover without any exclusions or loadings for a lot cheaper price given that the time you hold it. You might lose some benefits, but that will help sort of moving forward there as well because it's only gonna Yeah. go up in premium and price, and you don't wanna be paying, like, over $10 for insurances for the next Yeah. ten years as well. Yeah. Especially as I get older, they always seem to go out when you get older. Every year they go off a little bit extra. So yeah. No. It sounds Yeah.","start_word":1892,"end_word":2878,"sentiment":"neutral","sentiment_score":0.009564872255516752},{"text":"good.","start_word":2879,"end_word":2879,"sentiment":"positive","sentiment_score":0.34024327993392944},{"text":"Exactly right. And then within regards to borrowed money there, would you sort of ever borrow outside of the property, like, for any sort of investments and things if circumstances were different? Obviously, like, with cost of living, would you ever have a loan for, like, an investment portfolio? Or We would love to buy a investment property. We would yeah.","start_word":2880,"end_word":2940,"sentiment":"neutral","sentiment_score":0.05052359225075753},{"text":"love to.","start_word":2941,"end_word":2942,"sentiment":"positive","sentiment_score":0.37768977880477905},{"text":"That was what our goal was ten years ago, and our circumstances changed. But, you know, we've always really wanted to buy at least one or maybe two for our two older boys, but, you know, we've just never been quite been able to get there. If you know what I mean? So I would love to, but we just never had quite enough to Yep. get No. Understandable. And that does bring you out as a growth investor based on those answers. So around there. an 8020 split of, like, growth assets to defensive assets. Now you're currently in a high growth portfolio. Do you feel like you'd still be comfortable in a high growth portfolio moving forward given your time to retirement, or No. you No. want to look at going down to a growth portfolio? Yeah. Just a little bit. Yeah. Just drop a bit. Be it Just being a a small. little bit more defensive? Yeah. Not all I get, I think. Yeah. The bit where I get. So yeah. Yep. No. Understandable. So within regards to that, once you go through your pre assessment and we get you those quotes to be able to have a look and see what the insurers come back with, then we can look at reducing your exposure in the market as well as doing an update there for you. Yep. And then we can do that all in conjunction. But is there any other things that you wanna address or any concern other concerns that you did have there, Lynne, or is it mainly the you're just investment exposure and your insurances? Yeah. I just didn't I I don't even know if my sticker went up last year, to be honest. I haven't even locked. So I don't even know if it went up. Almost, it didn't go up, to be honest, for what Yeah. I With put everything in it. So that did happen, I'll just have a quick look with in regards to report. I think it was down just a few percent.","start_word":2943,"end_word":3288,"sentiment":"neutral","sentiment_score":0.02716638124144146},{"text":"So given that you have that high allocation to that Bandalong Fund, that did have quite a bad year.","start_word":3289,"end_word":3307,"sentiment":"negative","sentiment_score":-0.4285285472869873},{"text":"And then with the WAR as well, I think it's down about 5% over the last twelve months. So we'll look at trying to update your portfolio there and reduce your insurance cost because it is quite a cost that comes out of your insure like, your superannuation there when you're paying $10 worth of insurance cost as well. Yeah. I don't actually think I'm even putting that much in, to be honest. I don't even know how much I put in. It just goes on some work. So yeah. Yeah.","start_word":3308,"end_word":3398,"sentiment":"neutral","sentiment_score":-0.14581461250782013},{"text":"Sounds I think good. your deposits are a bit over the the 10, so we definitely want to look at trying to get those down for you as well. Cool.","start_word":3399,"end_word":3428,"sentiment":"positive","sentiment_score":0.3897268176078797},{"text":"But any anything else that you're sort of looking at addressing, or is that largely it? No. No. If I just get the insurance just down just a little bit even as long as I'm still covered the kids or something does happen in the mortgage really. That's the main thing in there. Got a little bit extra to tie them over to get stuff sorted. So then yeah. But then other than Yeah. that, I think, yeah, I can just drop them a little bit and just, yeah, just wait and see. And hopefully, next year when it comes back around again, it might be a bit better in the world. Yeah. Okay.","start_word":3429,"end_word":3542,"sentiment":"neutral","sentiment_score":0.04911273345351219},{"text":"Perfect.","start_word":3543,"end_word":3543,"sentiment":"positive","sentiment_score":0.3575201630592346},{"text":"And then just a few other random questions there. But have you ever declared bank I know this is a bit random, but have you ever declared bankruptcy and a part nine debt agreement at all in? No. Yep. And do you have private health cover at the moment as well? No. Do you mean health insurance? Yeah. Yeah. No. No. That's I wish fine. I did, but no. And are you a tax resident for anywhere but Australia at the moment? No. Yep. Do you mean And another country? Is that what you mean? yeah. Yeah. Like another No. country. Not No. like a different state. And then you don't have any family in politics? You're not involved in any sort of political campaigns or anything like that? No. That's a really random question. Yeah. It's just to do with, like, anti money laundering law and a little bit of security as well for people that are in those spaces. So that's fine. Oh, okay. Yeah. Cool. Not a problem at all. But do you have any other questions or concerns in regards to anything there, Lynn, from what I've covered, or are you happy to do that pre assessment and start that Yep. process? No. That sounds good.","start_word":3544,"end_word":3753,"sentiment":"neutral","sentiment_score":-0.002174594412956919},{"text":"Not a problem at all, Lynn. Well, thank you for your time today. I've got you booked in there for tomorrow.","start_word":3754,"end_word":3774,"sentiment":"positive","sentiment_score":0.4450016915798187},{"text":"They're the same time just to go over that pre assessment there, and I'll get that sent off, and then you can have a discussion around sort of replacing your current cover versus just reducing the cover amounts once those quotes are back as well. Yep. Then how long will that take? Like, twenty probably would that be ready tomorrow or they take a few more days? Or No. Because once we do that, we have to send it off to the insurer and get, like, their responses and how they'd rate you in terms of cover. And then given you've got an older policy, generally, they can take up to, like, a week or so to get oh, their yep. Oh, quotes gosh. back in terms of yeah. Just because, like, the newer Yeah. PDFs is they can just put it through their softwares, where the older ones, they sort of have to do manual calculation. Go combing. Oh, god. Yeah.","start_word":3775,"end_word":3936,"sentiment":"neutral","sentiment_score":0.0445169061422348},{"text":"Poor things.","start_word":3937,"end_word":3938,"sentiment":"negative","sentiment_score":-0.3550798296928406},{"text":"A little bit. Because That's it it. No. yeah. That sounds The older good. ones are generally quite a bit more comprehensive, but we'll get a wriggle on that for you there, Lynn. But is there anything else there while you got me today? No.","start_word":3939,"end_word":3983,"sentiment":"neutral","sentiment_score":0.022302659849325817},{"text":"That's perfect. Thank you so much for that. Cool. No problem at all. Thanks for your time today. I'll speak to you soon, I'm sure. Okay. Awesome. Have a good day. Bye. Thanks, Lynn. Bye.","start_word":3984,"end_word":4018,"sentiment":"positive","sentiment_score":0.590695858001709}],"average":{"sentiment":"neutral","sentiment_score":0.019759044368927996}}}}