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I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time. No worries at all. Now I'm just going through a few previous documents from the end of last year and January. As it is dealing with your personal information, do you mind if I go through security with you? Perfect. So the calls are recorded for training and quality purposes. Could I please confirm your date of birth and address, please? Sensational. And I'm registered with Asic as adviser one two seven three one zero five. Alright. Now, Amanda, one of the things I was looking at today is you had a bit of a conversation with our director, Sevvy, towards the end of last year, and he sent you through a bit of a statement of advice looking to do a portfolio update into something called a SMA, separately managed account. Does that ring a bell at all? Yeah. A portfolio called an SSMA, separately managed account. Yeah. I mean, it really depends on who provides this and what the underlying investments are and all that kind of thing. But what what have you heard from it recently? Yeah. Yep. Play it consistent. That kind of thing. Flow and steady wins. Alright? No. That's totally fine. So I'm having a look at your Hub twenty four account now, and, look, it's you've had a really good run. Your account's been growing pretty fantastically. You've had a really good return the last twelve months. Do you keep an eye on it? Yep. And how do you feel like it's been going from your perspective? Yeah. Yeah. Overall, I'm looking at it and there's it's cleared still like a a 10% return after fee, which for your growth risk profile, we're kind of aiming for, like, nine to 10% average anyway, even with the world on fire and the market kind of going up and down like a yo yo. It is. It is. So one of the things that I was looking at is that because we've got you scheduled in for your next annual review in about six or seven months time, because that had expired, I kinda just wanted to run through, I guess, the logic behind it and see if there was a reason to change anything or just to kind of let it run for another six months. Yeah. That's totally cool. And just to kind of let you know, I guess, the differences between what you've got and what was being recommended just so you can make an informed decision, your portfolio that we built for you has about eight different investment options in there. So that's all those trade summaries you're seeing is buying and selling those different ETFs, if that rings a bell. Yep. So the difference really, when you put an SMA, we kind of call it a bit of a bubble. It kind of wraps a bubble around your portfolio, and it puts it on like a lower fee menu within hub 24, but gives you access to the same investments. The other thing that it kind of does is it just allows, like, and in conjunction with BlackRock, our ability to kind of update your investments throughout the year without having to go through that when we do the annual review, giving you a full new statement of advice every time we wanna change an option. Okay? So the only option that's really been kind of dragging a little bit for you, there's a Benelon Australian shares option, which hasn't been doing too well, but all the rest of them have been soaring up pretty fantastic. And overall, like you've seen, the performance has been pretty good. So if you're kind of comfortable with how that's going, like, we don't have to switch the structure around. It's basically just a way to reduce the fees a bit and get it moving a little bit quicker. But, look, I don't see any major issues with what you've got that's been doing really well. We did have some concerns about just with the inflation and everything picking up at the moment that there's a few investments we'd like to kind of mix in over time, but that can always be something that we can discuss in your next review as well. Mhmm. Yeah. Totally fine. Happy to be guided by you. And was there anything else, like, in the interim that you were looking for advice for, whether it be investment, cash flow, debt, insurance, anything that we need to address before the review? That's good to hear. You're thinking something's around the corner, surely? Mhmm. Mhmm. Fantastic. Well, hopefully, that continues on for a bit longer still, and we can all touch wood on both ends of the phone. I'm having a look at your I mean, we've always got that as a long term goal, but we I can't provide you a recommendation on that right now. But when I find out, I'll let you know. The only thing I was gonna quickly just touch base with you on is your your NAS insurances. They have a policy anniversary on the June 28. So that's when you'll cover kind of Yeah. Cool. Okay. So that'll just be the the life keeping the income protection will come out from the hub super in about a month's time. And the one that kind of looked a bit weird for me, I just wanted to get your opinion on this because my we've got a new system, and I can't make sense of it. I have, like, a a trauma policy, which is like an out of pocket monthly cost for, like, heart attack, stroke, and cancer. Do you remember putting that in place about three years ago? Mhmm. Yeah. Yeah. Perfect. And are you still okay with those Anavo three premiums out of pocket? It's not jumped up too much, has it? Okay. Yep. I'll I'll have to keep a bit of an eye on that one because the original plan schedule, it just looked a bit strange to me because it had, like, a a premium due date of, like, 06/28/2023, and I thought that it had been either, like, canceled straight away or if it was still running. So I just wanted to just quickly run it by you. Yeah. That'll be fantastic. And if we don't hear from you, we'll obviously package all of it up for that annual review discussion, and we'll do a bit of a deep dive then as well. Alrighty. Okay, Amanda. That's totally fine. I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers. Is there anything else I can do for you today? No. That's fantastic to hear. And look, I do appreciate you taking the time with me today. You too, Amanda. And we'll we'll talk to you in a few months. Thank you. 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It's Tommy here, senior adviser from Oakview Financial. How are you going today? I'm doing absolutely fantastic. I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time.\n\nNo worries at all. Now I'm just going through a few previous documents from the end of last year and January. As it is dealing with your personal information, do you mind if I go through security with you? Perfect. So the calls are recorded for training and quality purposes.\n\nCould I please confirm your date of birth and address, please? Sensational. And I'm registered with Asic as adviser one two seven three one zero five. Alright. Now, Amanda, one of the things I was looking at today is you had a bit of a conversation with our director, Sevvy, towards the end of last year, and he sent you through a bit of a statement of advice looking to do a portfolio update into something called a SMA, separately managed account.\n\nDoes that ring a bell at all? Yeah. A portfolio called an SSMA, separately managed account. Yeah. I mean, it really depends on who provides this and what the underlying investments are and all that kind of thing.\n\nBut what what have you heard from it recently? Yeah. Yep. Play it consistent. That kind of thing.\n\nFlow and steady wins. Alright? No. That's totally fine. So I'm having a look at your Hub twenty four account now, and, look, it's you've had a really good run.\n\nYour account's been growing pretty fantastically. You've had a really good return the last twelve months. Do you keep an eye on it? Yep. And how do you feel like it's been going from your perspective?\n\nYeah. Yeah. Overall, I'm looking at it and there's it's cleared still like a a 10% return after fee, which for your growth risk profile, we're kind of aiming for, like, nine to 10% average anyway, even with the world on fire and the market kind of going up and down like a yo yo. It is. It is.\n\nSo one of the things that I was looking at is that because we've got you scheduled in for your next annual review in about six or seven months time, because that had expired, I kinda just wanted to run through, I guess, the logic behind it and see if there was a reason to change anything or just to kind of let it run for another six months. Yeah. That's totally cool. And just to kind of let you know, I guess, the differences between what you've got and what was being recommended just so you can make an informed decision, your portfolio that we built for you has about eight different investment options in there. So that's all those trade summaries you're seeing is buying and selling those different ETFs, if that rings a bell.\n\nYep. So the difference really, when you put an SMA, we kind of call it a bit of a bubble. It kind of wraps a bubble around your portfolio, and it puts it on like a lower fee menu within hub 24, but gives you access to the same investments. The other thing that it kind of does is it just allows, like, and in conjunction with BlackRock, our ability to kind of update your investments throughout the year without having to go through that when we do the annual review, giving you a full new statement of advice every time we wanna change an option. Okay?\n\nSo the only option that's really been kind of dragging a little bit for you, there's a Benelon Australian shares option, which hasn't been doing too well, but all the rest of them have been soaring up pretty fantastic. And overall, like you've seen, the performance has been pretty good. So if you're kind of comfortable with how that's going, like, we don't have to switch the structure around. It's basically just a way to reduce the fees a bit and get it moving a little bit quicker. But, look, I don't see any major issues with what you've got that's been doing really well.\n\nWe did have some concerns about just with the inflation and everything picking up at the moment that there's a few investments we'd like to kind of mix in over time, but that can always be something that we can discuss in your next review as well. Mhmm. Yeah. Totally fine. Happy to be guided by you.\n\nAnd was there anything else, like, in the interim that you were looking for advice for, whether it be investment, cash flow, debt, insurance, anything that we need to address before the review? That's good to hear. You're thinking something's around the corner, surely? Mhmm. Mhmm.\n\nFantastic. Well, hopefully, that continues on for a bit longer still, and we can all touch wood on both ends of the phone. I'm having a look at your I mean, we've always got that as a long term goal, but we I can't provide you a recommendation on that right now. But when I find out, I'll let you know. The only thing I was gonna quickly just touch base with you on is your your NAS insurances.\n\nThey have a policy anniversary on the June 28. So that's when you'll cover kind of Yeah. Cool. Okay. So that'll just be the the life keeping the income protection will come out from the hub super in about a month's time.\n\nAnd the one that kind of looked a bit weird for me, I just wanted to get your opinion on this because my we've got a new system, and I can't make sense of it. I have, like, a a trauma policy, which is like an out of pocket monthly cost for, like, heart attack, stroke, and cancer. Do you remember putting that in place about three years ago? Mhmm. Yeah.\n\nYeah. Perfect. And are you still okay with those Anavo three premiums out of pocket? It's not jumped up too much, has it? Okay.\n\nYep. I'll I'll have to keep a bit of an eye on that one because the original plan schedule, it just looked a bit strange to me because it had, like, a a premium due date of, like, 06/28/2023, and I thought that it had been either, like, canceled straight away or if it was still running. So I just wanted to just quickly run it by you. Yeah. That'll be fantastic.\n\nAnd if we don't hear from you, we'll obviously package all of it up for that annual review discussion, and we'll do a bit of a deep dive then as well. Alrighty. Okay, Amanda. That's totally fine. I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers.\n\nIs there anything else I can do for you today? No. That's fantastic to hear. And look, I do appreciate you taking the time with me today. You too, Amanda.\n\nAnd we'll we'll talk to you in a few months. Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Amanda.","start":3.1999998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.1220274493098259},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.9199998,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.14925969578325748},{"text":"How are you going today?","start":6.3999996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.20013532638549805},{"text":"I'm doing absolutely fantastic.","start":10.08,"end":11.94,"sentiment":"positive","sentiment_score":0.7525863498449326},{"text":"I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time.","start":12.554999,"end":18.335,"sentiment":"positive","sentiment_score":0.3614477135918357}],"sentiment":"neutral","sentiment_score":0.3268537608588614,"num_words":41,"start":3.1999998,"end":18.335},{"sentences":[{"text":"No worries at all.","start":21.435,"end":22.474998,"sentiment":"neutral","sentiment_score":0.03298375103622675},{"text":"Now I'm just going through a few previous documents from the end of last year and January.","start":22.474998,"end":27.614998,"sentiment":"neutral","sentiment_score":0.006120798465631464},{"text":"As it is dealing with your personal information, do you mind if I go through security with you?","start":28.369999,"end":32.55,"sentiment":"neutral","sentiment_score":-0.00883937564988931},{"text":"Perfect.","start":35.09,"end":35.489998,"sentiment":"neutral","sentiment_score":0.1957476437091827},{"text":"So the calls are recorded for training and quality purposes.","start":35.489998,"end":38.309998,"sentiment":"neutral","sentiment_score":0.05284803248941898}],"sentiment":"neutral","sentiment_score":0.016022155699320136,"num_words":50,"start":21.435,"end":38.309998},{"sentences":[{"text":"Could I please confirm your date of birth and address, please?","start":38.61,"end":41.75,"sentiment":"neutral","sentiment_score":0.02926782857288014},{"text":"Sensational.","start":49.735,"end":50.235,"sentiment":"neutral","sentiment_score":0.06950058788061142},{"text":"And I'm registered with Asic as adviser one two seven three one zero five.","start":50.455,"end":54.635002,"sentiment":"neutral","sentiment_score":0.04087116702326706},{"text":"Alright.","start":56.79,"end":57.19,"sentiment":"neutral","sentiment_score":0.11346747726202012},{"text":"Now, Amanda, one of the things I was looking at today is you had a bit of a conversation with our director, Sevvy, towards the end of last year, and he sent you through a bit of a statement of advice looking to do a portfolio update into something called a SMA, separately managed account.","start":57.19,"end":74.925,"sentiment":"neutral","sentiment_score":-0.001575606841255318}],"sentiment":"neutral","sentiment_score":0.012078684652451335,"num_words":82,"start":38.61,"end":74.925},{"sentences":[{"text":"Does that ring a bell at all?","start":74.925,"end":76.385,"sentiment":"neutral","sentiment_score":-0.03738799584763391},{"text":"Yeah.","start":80.045,"end":80.365005,"sentiment":"neutral","sentiment_score":-0.01837725192308426},{"text":"A portfolio called an SSMA, separately managed account.","start":80.365005,"end":84.6,"sentiment":"neutral","sentiment_score":-0.0196333039784804},{"text":"Yeah.","start":93.24,"end":93.64,"sentiment":"neutral","sentiment_score":-0.1900658756494522},{"text":"I mean, it really depends on who provides this and what the underlying investments are and all that kind of 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wins.","start":126.36,"end":127.32,"sentiment":"neutral","sentiment_score":0.21191823109984398},{"text":"Alright?","start":127.32,"end":127.725,"sentiment":"neutral","sentiment_score":0.1810875833034515},{"text":"No.","start":130.285,"end":130.44499,"sentiment":"neutral","sentiment_score":0.14166095852851868},{"text":"That's totally fine.","start":130.44499,"end":131.325,"sentiment":"neutral","sentiment_score":0.2945713400840759},{"text":"So I'm having a look at your Hub twenty four account now, and, look, it's you've had a really good run.","start":131.325,"end":136.305,"sentiment":"positive","sentiment_score":0.5042182235490709}],"sentiment":"positive","sentiment_score":0.42142393936713535,"num_words":30,"start":126.36,"end":136.305},{"sentences":[{"text":"Your account's been growing pretty fantastically.","start":137.08499,"end":139.105,"sentiment":"positive","sentiment_score":0.8490777711073557},{"text":"You've had a really good return the last twelve months.","start":139.245,"end":141.485,"sentiment":"positive","sentiment_score":0.6354340434074401},{"text":"Do you keep an eye on it?","start":141.485,"end":142.8,"sentiment":"neutral","sentiment_score":0.1087883785367012},{"text":"Yep.","start":146.24,"end":146.56,"sentiment":"neutral","sentiment_score":0.10367437452077866},{"text":"And how do you feel like it's been going from your perspective?","start":146.56,"end":148.98,"sentiment":"neutral","sentiment_score":0.09448996124168237}],"sentiment":"positive","sentiment_score":0.3735522116637892,"num_words":36,"start":137.08499,"end":148.98},{"sentences":[{"text":"Yeah.","start":167.375,"end":167.875,"sentiment":"neutral","sentiment_score":0.09372413158416748},{"text":"Yeah.","start":167.935,"end":168.255,"sentiment":"neutral","sentiment_score":0.09826251864433289},{"text":"Overall, I'm looking at it and there's it's cleared still like a a 10% return after fee, which for your growth risk profile, we're kind of aiming for, like, nine to 10% average anyway, even with the world on fire and the market kind of going up and down like a yo yo.","start":168.255,"end":183.96,"sentiment":"neutral","sentiment_score":0.030321803435964405},{"text":"It is.","start":187.685,"end":188.165,"sentiment":"neutral","sentiment_score":0.03301228582859039},{"text":"It is.","start":188.165,"end":188.64499,"sentiment":"neutral","sentiment_score":0.041980259120464325}],"sentiment":"neutral","sentiment_score":0.03303436139377497,"num_words":59,"start":167.375,"end":188.64499},{"sentences":[{"text":"So one of the things that I was looking at is that because we've got you scheduled in for your next annual review in about six or seven months time, because that had expired, I kinda just wanted to run through, I guess, the logic behind it and see if there was a reason to change anything or just to kind of let it run for another six months.","start":188.64499,"end":206.60999,"sentiment":"neutral","sentiment_score":0.020187357764529144},{"text":"Yeah.","start":226.0,"end":226.31999,"sentiment":"positive","sentiment_score":0.3746027946472168},{"text":"That's totally cool.","start":226.31999,"end":227.28,"sentiment":"positive","sentiment_score":0.7573498487472534},{"text":"And just to kind of let you know, I guess, the differences between what you've got and what was being recommended just so you can make an informed decision, your portfolio that we built for you has about eight different investment options in there.","start":227.28,"end":240.085,"sentiment":"neutral","sentiment_score":0.16735550642690875},{"text":"So that's all those trade summaries you're seeing is buying and selling those different ETFs, if that rings a 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review, giving you a full new statement of advice every time we wanna change an option.","start":265.88,"end":286.11,"sentiment":"neutral","sentiment_score":0.16617969117526496},{"text":"Okay?","start":288.57,"end":289.07,"sentiment":"neutral","sentiment_score":0.05600642412900925}],"sentiment":"neutral","sentiment_score":0.13475014492173062,"num_words":107,"start":247.685,"end":289.07},{"sentences":[{"text":"So the only option that's really been kind of dragging a little bit for you, there's a Benelon Australian shares option, which hasn't been doing too well, but all the rest of them have been soaring up pretty fantastic.","start":289.21,"end":299.55502,"sentiment":"neutral","sentiment_score":0.11377300156089358},{"text":"And overall, like you've seen, the performance has been pretty good.","start":299.61502,"end":303.39502,"sentiment":"positive","sentiment_score":0.5003107298504222},{"text":"So if you're kind of comfortable with how that's going, like, we don't have to switch the 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hear.","start":362.235,"end":363.535,"sentiment":"neutral","sentiment_score":0.2969246283173561},{"text":"You're thinking something's around the corner, surely?","start":365.51498,"end":367.69498,"sentiment":"neutral","sentiment_score":-0.04828561257038798},{"text":"Mhmm.","start":373.38998,"end":373.88998,"sentiment":"neutral","sentiment_score":-0.04483476281166077},{"text":"Mhmm.","start":394.435,"end":394.835,"sentiment":"neutral","sentiment_score":0.11065021902322768}],"sentiment":"neutral","sentiment_score":0.16491160926449558,"num_words":46,"start":344.51,"end":394.835},{"sentences":[{"text":"Fantastic.","start":394.835,"end":395.335,"sentiment":"positive","sentiment_score":0.4057632386684418},{"text":"Well, hopefully, that continues on for a bit longer still, and we can all touch wood on both ends of the phone.","start":395.475,"end":401.31,"sentiment":"neutral","sentiment_score":0.08884524799544703},{"text":"I'm having a look at your I mean, we've always got that as a long term 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Yeah.","start":426.54,"end":446.585,"sentiment":"neutral","sentiment_score":0.07935172761790454},{"text":"Cool.","start":446.585,"end":446.82498,"sentiment":"positive","sentiment_score":0.4470447897911072},{"text":"Okay.","start":446.82498,"end":447.06497,"sentiment":"neutral","sentiment_score":0.22840732336044312},{"text":"So that'll just be the the life keeping the income protection will come out from the hub super in about a month's time.","start":447.06497,"end":453.77,"sentiment":"neutral","sentiment_score":0.15904205539466246}],"sentiment":"neutral","sentiment_score":0.12794163838649789,"num_words":42,"start":422.7,"end":453.77},{"sentences":[{"text":"And the one that kind of looked a bit weird for me, I just wanted to get your opinion on this because my we've got a new system, and I can't make sense of it.","start":454.15,"end":463.85,"sentiment":"neutral","sentiment_score":-0.20553489891546114},{"text":"I have, like, a a trauma policy, which is like an out of pocket monthly 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pocket?","start":519.97003,"end":523.49,"sentiment":"neutral","sentiment_score":0.23432368154709154},{"text":"It's not jumped up too much, has it?","start":523.49,"end":525.045,"sentiment":"neutral","sentiment_score":0.007023938000202179},{"text":"Okay.","start":534.805,"end":535.20496,"sentiment":"neutral","sentiment_score":-0.03836430609226227}],"sentiment":"neutral","sentiment_score":0.16328531255324683,"num_words":24,"start":519.17,"end":535.20496},{"sentences":[{"text":"Yep.","start":535.20496,"end":535.445,"sentiment":"neutral","sentiment_score":-0.0761994794011116},{"text":"I'll I'll have to keep a bit of an eye on that one because the original plan schedule, it just looked a bit strange to me because it had, like, a a premium due date of, like, 06/28/2023, and I thought that it had been either, like, canceled straight away or if it was still running.","start":535.445,"end":551.78,"sentiment":"neutral","sentiment_score":-0.1282713143071825},{"text":"So I just wanted to just quickly run it by you.","start":551.78,"end":553.815,"sentiment":"neutral","sentiment_score":-0.059337667443535545},{"text":"Yeah.","start":585.02496,"end":585.265,"sentiment":"neutral","sentiment_score":0.1063673049211502},{"text":"That'll be fantastic.","start":585.265,"end":586.245,"sentiment":"positive","sentiment_score":0.41065313418706256}],"sentiment":"neutral","sentiment_score":-0.09130250993055394,"num_words":72,"start":535.20496,"end":586.245},{"sentences":[{"text":"And if we don't hear from you, we'll obviously package all of it up for that annual review discussion, and we'll do a bit of a deep dive then as well.","start":586.305,"end":592.805,"sentiment":"neutral","sentiment_score":0.1764320760003982},{"text":"Alrighty.","start":595.345,"end":595.845,"sentiment":"neutral","sentiment_score":0.2041214406490326},{"text":"Okay, Amanda.","start":595.90497,"end":596.545,"sentiment":"neutral","sentiment_score":0.20273050665855408},{"text":"That's totally fine.","start":596.545,"end":597.425,"sentiment":"positive","sentiment_score":0.40608981251716614},{"text":"I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers.","start":597.425,"end":611.12,"sentiment":"neutral","sentiment_score":0.17325696729275644}],"sentiment":"neutral","sentiment_score":0.18356787959157034,"num_words":86,"start":586.305,"end":611.12},{"sentences":[{"text":"Is there anything else I can do for you today?","start":611.475,"end":613.65497,"sentiment":"neutral","sentiment_score":0.20189475193619727},{"text":"No.","start":621.235,"end":621.475,"sentiment":"neutral","sentiment_score":0.06643323600292206},{"text":"That's fantastic to hear.","start":621.475,"end":622.435,"sentiment":"positive","sentiment_score":0.3873228430747986},{"text":"And look, I do appreciate you taking the time with me today.","start":622.435,"end":625.095,"sentiment":"positive","sentiment_score":0.5011783887942632},{"text":"You too, Amanda.","start":629.37,"end":630.25,"sentiment":"positive","sentiment_score":0.5786155263582865}],"sentiment":"positive","sentiment_score":0.3794886457423369,"num_words":30,"start":611.475,"end":630.25},{"sentences":[{"text":"And we'll we'll talk to you in a few months.","start":630.25,"end":632.19,"sentiment":"neutral","sentiment_score":0.2733584985136986},{"text":"Thank you.","start":634.97003,"end":635.45,"sentiment":"positive","sentiment_score":0.7770432233810425},{"text":"See you later.","start":635.45,"end":636.27,"sentiment":"positive","sentiment_score":0.594379723072052}],"sentiment":"positive","sentiment_score":0.4047207067410151,"num_words":15,"start":630.25,"end":636.27}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thanks. How are you? Yep. That's fine. Yeah. No worries. Yep. No. No. That's fine. Yeah. Yeah. It's fifty the fifth nineteen eighty, and the address is 47 Grand Park Circuit, Point Cook 3030, Victoria. Lovely. It was called what? Sorry. A portfolio of oh, yeah. Yeah. I do remember that conversation. Yeah. Is is any good? Like, I've heard bad things about them. Just everyone that I've spoken to has gone on, like, you know, stay away if you're on a good like, if you got a good super at the moment and don't, like, don't change and stuff. Yeah. So I'm not too sure. I don't actually know a lot about them, to be So I am yeah. I I'm I'm one of those people that just goes with what she knows and stays safe. Yeah. Yeah. Yep. I do keep an eye on it. Yeah. Yeah. Look. I'm pretty pretty pleased with it. It seems to be going off and yeah. Like, I get my emails when like, I did when I get the trade summaries and stuff. Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that. But it seems to be going well. Yeah. Yep. Mhmm. Yeah. I know. Yeah. It's crazy at the moment. Hey. Mhmm. Yeah. Look. I mean, if everything's going well and I'm getting returns and stuff, I would probably just keep it going. Yeah. And, you know, it seems to be working for me. I sort of understand what's going on with it. I don't yeah. And like I say, I'm one of them people that don't rock the boat. So and, yeah, I'd probably just stay on with it and keep going. Yeah. Mhmm. Mhmm. Oh, yes. Yep. Okay. Okay. Mhmm. Yep. Mhmm. Yeah. Yep. Yeah. Okay. Yeah. Yeah. Probably leave everything as it is, and then we'll discuss again in my next review, if that's alright. Yeah. No. Touch wood, dare I say, I'm actually traveling okay, which makes me a bit worried. Yeah. Yeah. You know, like, yeah, you you that puts you into a full sense of security. Like, I'm going okay, so what's gonna go wrong? I mean, not. Yeah. So now I'm just gonna I'm just gonna not rock the boat. And, yeah, like I said, like, yeah, my HOPE24 is doing well, and I seem to be doing okay everywhere else. Yeah. Yeah. I'd like to say I'm comfortable in inverted commas. Yeah. I hope so. Yep. I mean, I'd like to win the lottery, but Yes, please. Yes. I've had an email, actually. I read the email yesterday. They've given me an update about my premiums and all of that. So they sent me two emails, though. So I need to print one off and then just see whether they've duplicated. I think I think it's a duplication email, but, yeah, they have sent me, like, the the renewal and stuff for the June. Yeah. Yep. Yep. Yep. I do. Yes. Seve when I set up all all of this, Seve said to me it was probably a good idea because my whatever I get, like, my total disability and that, if I was to be injured, that doesn't cover like, I I come a nurse. So if I had a stroke, I probably wouldn't be able to go back to work. So then that and, like, the total deficit or whatever, the benefit, whatever, that doesn't cover it. So he said to put trauma in as an extra thing because, like, obviously, I've got quite a intense job and, you know, like, I I can't really do anything else if anything happened to me. So, yeah, I remember him setting that up for me as a as a safety net just in case something else did happen. No. I think it's I think that's the one that I looked at yesterday, and I think it's gone up to about $76 a month, which, I mean, I don't really see that that's an issue. Yeah. Yeah. Like I said, I had the email yesterday, and and I've just finished night shift this morning. So I need to just have a few days off, and I'll go through all my emails and double check everything and and whatnot. So I will I will look back into that, but I imagine it's just all about the same. And I think I started off paying, like, $50.53 dollars or something, and I think, like I said, it's gone up to about 76, which I imagine, you know, how they get you when you've got older and you've got more ailments and stuff. Like, I imagine it's all just to do with that. But I will look into it in the next few days, and if there's anything, I'll give you a callback. Yes. Sounds good. Yep. Perfect. No. I don't think so. Like I said, I've I've in in inverted commas, I'm traveling well. No. Thank you for your time too. Yeah. You have a good day. Yeah. No worries. All good. Thank you. Bye. 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I'm good. Thanks. How are you? Yep.\n\nThat's fine. Yeah. No worries. Yep. No.\n\nNo. That's fine. Yeah. Yeah. It's fifty the fifth nineteen eighty, and the address is 47 Grand Park Circuit, Point Cook 3030, Victoria.\n\nLovely. It was called what? Sorry. A portfolio of oh, yeah. Yeah.\n\nI do remember that conversation. Yeah. Is is any good? Like, I've heard bad things about them. Just everyone that I've spoken to has gone on, like, you know, stay away if you're on a good like, if you got a good super at the moment and don't, like, don't change and stuff.\n\nYeah. So I'm not too sure. I don't actually know a lot about them, to be So I am yeah. I I'm I'm one of those people that just goes with what she knows and stays safe. Yeah.\n\nYeah. Yep. I do keep an eye on it. Yeah. Yeah.\n\nLook. I'm pretty pretty pleased with it. It seems to be going off and yeah. Like, I get my emails when like, I did when I get the trade summaries and stuff. Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that.\n\nBut it seems to be going well. Yeah. Yep. Mhmm. Yeah.\n\nI know. Yeah. It's crazy at the moment. Hey. Mhmm.\n\nYeah. Look. I mean, if everything's going well and I'm getting returns and stuff, I would probably just keep it going. Yeah. And, you know, it seems to be working for me.\n\nI sort of understand what's going on with it. I don't yeah. And like I say, I'm one of them people that don't rock the boat. So and, yeah, I'd probably just stay on with it and keep going. Yeah.\n\nMhmm. Mhmm. Oh, yes. Yep. Okay.\n\nOkay. Mhmm. Yep. Mhmm. Yeah.\n\nYep. Yeah. Okay. Yeah. Yeah.\n\nProbably leave everything as it is, and then we'll discuss again in my next review, if that's alright. Yeah. No. Touch wood, dare I say, I'm actually traveling okay, which makes me a bit worried. Yeah.\n\nYeah. You know, like, yeah, you you that puts you into a full sense of security. Like, I'm going okay, so what's gonna go wrong? I mean, not. Yeah.\n\nSo now I'm just gonna I'm just gonna not rock the boat. And, yeah, like I said, like, yeah, my HOPE24 is doing well, and I seem to be doing okay everywhere else. Yeah. Yeah. I'd like to say I'm comfortable in inverted commas.\n\nYeah. I hope so. Yep. I mean, I'd like to win the lottery, but Yes, please. Yes.\n\nI've had an email, actually. I read the email yesterday. They've given me an update about my premiums and all of that. So they sent me two emails, though. So I need to print one off and then just see whether they've duplicated.\n\nI think I think it's a duplication email, but, yeah, they have sent me, like, the the renewal and stuff for the June. Yeah. Yep. Yep. Yep.\n\nI do. Yes. Seve when I set up all all of this, Seve said to me it was probably a good idea because my whatever I get, like, my total disability and that, if I was to be injured, that doesn't cover like, I I come a nurse. So if I had a stroke, I probably wouldn't be able to go back to work. So then that and, like, the total deficit or whatever, the benefit, whatever, that doesn't cover it.\n\nSo he said to put trauma in as an extra thing because, like, obviously, I've got quite a intense job and, you know, like, I I can't really do anything else if anything happened to me. So, yeah, I remember him setting that up for me as a as a safety net just in case something else did happen. No. I think it's I think that's the one that I looked at yesterday, and I think it's gone up to about $76 a month, which, I mean, I don't really see that that's an issue. Yeah.\n\nYeah. Like I said, I had the email yesterday, and and I've just finished night shift this morning. So I need to just have a few days off, and I'll go through all my emails and double check everything and and whatnot. So I will I will look back into that, but I imagine it's just all about the same. And I think I started off paying, like, $50.53 dollars or something, and I think, like I said, it's gone up to about 76, which I imagine, you know, how they get you when you've got older and you've got more ailments and stuff.\n\nLike, I imagine it's all just to do with that. But I will look into it in the next few days, and if there's anything, I'll give you a callback. Yes. Sounds good. Yep.\n\nPerfect. No. I don't think so. Like I said, I've I've in in inverted commas, I'm traveling well. No.\n\nThank you for your time too. Yeah. You have a good day. Yeah. No worries.\n\nAll good. Thank you. Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.022385690361261368},{"text":"I'm good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.4829588979482651},{"text":"Thanks.","start":8.32,"end":8.559999,"sentiment":"positive","sentiment_score":0.6124265193939209},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"positive","sentiment_score":0.3752582371234894},{"text":"Yep.","start":18.735,"end":19.055,"sentiment":"neutral","sentiment_score":0.10670627653598784}],"sentiment":"positive","sentiment_score":0.35415137419477105,"num_words":8,"start":0.79999995,"end":19.055},{"sentences":[{"text":"That's fine.","start":19.055,"end":19.455,"sentiment":"neutral","sentiment_score":0.17117851227521896},{"text":"Yeah.","start":19.455,"end":19.695,"sentiment":"neutral","sentiment_score":0.1140243485569954},{"text":"No 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Victoria.","start":42.445,"end":48.545,"sentiment":"neutral","sentiment_score":0.025519490914626256}],"sentiment":"neutral","sentiment_score":0.02505169080003448,"num_words":23,"start":33.07,"end":48.545},{"sentences":[{"text":"Lovely.","start":55.190002,"end":55.690002,"sentiment":"neutral","sentiment_score":0.27245086431503296},{"text":"It was called what?","start":77.03,"end":77.67,"sentiment":"neutral","sentiment_score":-0.031191182788461447},{"text":"Sorry.","start":77.67,"end":77.99,"sentiment":"neutral","sentiment_score":-0.03812011331319809},{"text":"A portfolio of oh, yeah.","start":77.99,"end":86.71,"sentiment":"neutral","sentiment_score":-0.026308836042881013},{"text":"Yeah.","start":86.71,"end":87.21,"sentiment":"neutral","sentiment_score":-0.013275333680212498}],"sentiment":"neutral","sentiment_score":-0.002937791170552373,"num_words":12,"start":55.190002,"end":87.21},{"sentences":[{"text":"I do remember that conversation.","start":87.35,"end":88.649994,"sentiment":"neutral","sentiment_score":-0.011588812619447709},{"text":"Yeah.","start":88.78999,"end":89.025,"sentiment":"neutral","sentiment_score":-0.022496232762932777},{"text":"Is is any good?","start":89.105,"end":89.985,"sentiment":"neutral","sentiment_score":-0.07929843291640282},{"text":"Like, I've heard bad things about them.","start":89.985,"end":91.765,"sentiment":"neutral","sentiment_score":-0.2984335592814854},{"text":"Just everyone that I've spoken to has gone on, like, you know, stay away if you're on a good like, if you got a good super at the moment and don't, like, don't change and stuff.","start":104.26,"end":112.74,"sentiment":"neutral","sentiment_score":-0.2403330902258555}],"sentiment":"neutral","sentiment_score":-0.21016339982315055,"num_words":53,"start":87.35,"end":112.74},{"sentences":[{"text":"Yeah.","start":112.74,"end":113.06,"sentiment":"neutral","sentiment_score":-0.11997558176517488},{"text":"So I'm not too sure.","start":113.06,"end":114.020004,"sentiment":"neutral","sentiment_score":-0.16375824958086013},{"text":"I don't actually know a lot about them, to be So I am yeah.","start":114.020004,"end":118.435,"sentiment":"neutral","sentiment_score":-0.13948517452393258},{"text":"I I'm I'm one of those people that just goes with what she knows and stays safe.","start":118.435,"end":122.615,"sentiment":"neutral","sentiment_score":0.19003219639553742},{"text":"Yeah.","start":126.995,"end":127.495,"sentiment":"neutral","sentiment_score":0.2209346294403076}],"sentiment":"neutral","sentiment_score":0.014734807767366109,"num_words":38,"start":112.74,"end":127.495},{"sentences":[{"text":"Yeah.","start":128.43999,"end":128.93999,"sentiment":"neutral","sentiment_score":0.14355581998825073},{"text":"Yep.","start":142.04,"end":142.54,"sentiment":"neutral","sentiment_score":0.1346917599439621},{"text":"I do keep an eye on it.","start":143.80501,"end":144.685,"sentiment":"neutral","sentiment_score":0.12028997604336057},{"text":"Yeah.","start":144.685,"end":144.925,"sentiment":"neutral","sentiment_score":0.12729209661483765},{"text":"Yeah.","start":144.925,"end":145.425,"sentiment":"neutral","sentiment_score":0.10991117358207704}],"sentiment":"neutral","sentiment_score":0.12340733476660469,"num_words":11,"start":128.43999,"end":145.425},{"sentences":[{"text":"Look.","start":150.445,"end":150.605,"sentiment":"positive","sentiment_score":0.404672771692276},{"text":"I'm pretty pretty pleased with it.","start":150.605,"end":151.80501,"sentiment":"positive","sentiment_score":0.6484272678693136},{"text":"It seems to be going off and yeah.","start":151.80501,"end":153.905,"sentiment":"positive","sentiment_score":0.49380868673324585},{"text":"Like, I get my emails when like, I did when I get the trade summaries and stuff.","start":154.125,"end":159.8,"sentiment":"neutral","sentiment_score":0.28468523043043475},{"text":"Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that.","start":159.8,"end":165.24,"sentiment":"neutral","sentiment_score":0.20660008710843544}],"sentiment":"neutral","sentiment_score":0.3163314769833775,"num_words":59,"start":150.445,"end":165.24},{"sentences":[{"text":"But it seems to be going well.","start":165.24,"end":166.6,"sentiment":"positive","sentiment_score":0.39929361428533283},{"text":"Yeah.","start":166.6,"end":167.1,"sentiment":"neutral","sentiment_score":0.11354268342256546},{"text":"Yep.","start":173.795,"end":174.295,"sentiment":"neutral","sentiment_score":0.08047892153263092},{"text":"Mhmm.","start":179.955,"end":180.455,"sentiment":"neutral","sentiment_score":0.0232235100120306},{"text":"Yeah.","start":184.195,"end":184.695,"sentiment":"neutral","sentiment_score":-0.0024654269218444824}],"sentiment":"neutral","sentiment_score":0.2736213625493375,"num_words":11,"start":165.24,"end":184.695},{"sentences":[{"text":"I know.","start":184.74,"end":185.06001,"sentiment":"neutral","sentiment_score":-0.010339923202991486},{"text":"Yeah.","start":185.06001,"end":185.22,"sentiment":"neutral","sentiment_score":-0.021507423371076584},{"text":"It's crazy at the moment.","start":185.22,"end":186.26001,"sentiment":"neutral","sentiment_score":-0.0800931304693222},{"text":"Hey.","start":186.26001,"end":186.76001,"sentiment":"neutral","sentiment_score":0.021581552922725677},{"text":"Mhmm.","start":197.3,"end":197.505,"sentiment":"neutral","sentiment_score":-0.009870128706097605}],"sentiment":"neutral","sentiment_score":-0.04309414979070425,"num_words":10,"start":184.74,"end":197.505},{"sentences":[{"text":"Yeah.","start":207.185,"end":207.425,"sentiment":"neutral","sentiment_score":0.07732664048671722},{"text":"Look.","start":207.425,"end":207.66501,"sentiment":"neutral","sentiment_score":0.10654659569263458},{"text":"I mean, if everything's going well and I'm getting returns and stuff, I would probably just keep it going.","start":207.66501,"end":211.505,"sentiment":"neutral","sentiment_score":0.2333191307751756},{"text":"Yeah.","start":211.505,"end":211.82501,"sentiment":"neutral","sentiment_score":0.20773637294769287},{"text":"And, you know, it seems to be working for me.","start":211.82501,"end":214.89,"sentiment":"neutral","sentiment_score":0.2895862877368927}],"sentiment":"neutral","sentiment_score":0.24126674910075963,"num_words":32,"start":207.185,"end":214.89},{"sentences":[{"text":"I sort of understand what's going on with it.","start":214.89,"end":217.45,"sentiment":"neutral","sentiment_score":0.03227979503571987},{"text":"I don't yeah.","start":217.45,"end":218.33,"sentiment":"neutral","sentiment_score":-0.18867946664492288},{"text":"And like I say, I'm one of them people that don't rock the boat.","start":218.33,"end":220.97,"sentiment":"neutral","sentiment_score":-0.24001312468733108},{"text":"So and, yeah, I'd probably just stay on with it and keep going.","start":220.97,"end":224.73,"sentiment":"neutral","sentiment_score":-0.062335873452516705},{"text":"Yeah.","start":224.73,"end":225.075,"sentiment":"neutral","sentiment_score":0.17779169976711273}],"sentiment":"neutral","sentiment_score":-0.10670696613378823,"num_words":40,"start":214.89,"end":225.075},{"sentences":[{"text":"Mhmm.","start":235.315,"end":235.815,"sentiment":"neutral","sentiment_score":0.0760294571518898},{"text":"Mhmm.","start":240.595,"end":240.99,"sentiment":"neutral","sentiment_score":0.06292495131492615},{"text":"Oh, yes.","start":242.51001,"end":243.25,"sentiment":"neutral","sentiment_score":0.06665751151740551},{"text":"Yep.","start":246.27,"end":246.77,"sentiment":"neutral","sentiment_score":0.11646177619695663},{"text":"Okay.","start":266.365,"end":266.865,"sentiment":"neutral","sentiment_score":0.16064289212226868}],"sentiment":"neutral","sentiment_score":0.09156234997014205,"num_words":6,"start":235.315,"end":266.865},{"sentences":[{"text":"Okay.","start":286.965,"end":287.465,"sentiment":"neutral","sentiment_score":0.06486838310956955},{"text":"Mhmm.","start":297.28497,"end":297.57,"sentiment":"neutral","sentiment_score":0.17936912178993225},{"text":"Yep.","start":303.65,"end":304.15,"sentiment":"neutral","sentiment_score":0.1724098175764084},{"text":"Mhmm.","start":321.905,"end":322.11,"sentiment":"neutral","sentiment_score":-0.023734167218208313},{"text":"Yeah.","start":330.18997,"end":330.68997,"sentiment":"neutral","sentiment_score":-0.013830485753715038}],"sentiment":"neutral","sentiment_score":0.07581653390079737,"num_words":5,"start":286.965,"end":330.68997},{"sentences":[{"text":"Yep.","start":331.22998,"end":331.72998,"sentiment":"neutral","sentiment_score":0.0019554949831217527},{"text":"Yeah.","start":335.06998,"end":335.46997,"sentiment":"neutral","sentiment_score":0.14033660292625427},{"text":"Okay.","start":335.46997,"end":335.835,"sentiment":"neutral","sentiment_score":0.12863028049468994},{"text":"Yeah.","start":336.07498,"end":336.315,"sentiment":"neutral","sentiment_score":0.13485196232795715},{"text":"Yeah.","start":336.315,"end":336.715,"sentiment":"neutral","sentiment_score":0.1651453971862793}],"sentiment":"neutral","sentiment_score":0.11418394758366049,"num_words":5,"start":331.22998,"end":336.715},{"sentences":[{"text":"Probably leave everything as it is, and then we'll discuss again in my next review, if that's alright.","start":336.715,"end":340.875,"sentiment":"neutral","sentiment_score":0.14095087349414825},{"text":"Yeah.","start":340.875,"end":341.375,"sentiment":"neutral","sentiment_score":0.2392253875732422},{"text":"No.","start":357.53,"end":358.03,"sentiment":"neutral","sentiment_score":-0.026000825688242912},{"text":"Touch wood, dare I say, I'm actually traveling okay, which makes me a bit worried.","start":358.09,"end":363.615,"sentiment":"neutral","sentiment_score":0.036421876897414523},{"text":"Yeah.","start":368.23502,"end":368.635,"sentiment":"neutral","sentiment_score":0.06519465148448944}],"sentiment":"neutral","sentiment_score":0.09338508582570487,"num_words":36,"start":336.715,"end":368.635},{"sentences":[{"text":"Yeah.","start":368.635,"end":368.795,"sentiment":"neutral","sentiment_score":0.10597975552082062},{"text":"You know, like, yeah, you you that puts you into a full sense of security.","start":368.795,"end":372.015,"sentiment":"neutral","sentiment_score":0.302990648150444},{"text":"Like, I'm going okay, so what's gonna go wrong?","start":372.075,"end":374.475,"sentiment":"neutral","sentiment_score":-0.032402227322260536},{"text":"I mean, not.","start":374.475,"end":375.12,"sentiment":"neutral","sentiment_score":-0.17520763476689658},{"text":"Yeah.","start":375.36,"end":375.6,"sentiment":"neutral","sentiment_score":-0.07103648036718369}],"sentiment":"neutral","sentiment_score":0.12974344990376768,"num_words":29,"start":368.635,"end":375.6},{"sentences":[{"text":"So now I'm just gonna I'm just gonna not rock the boat.","start":375.6,"end":379.69998,"sentiment":"neutral","sentiment_score":-0.022984179357687633},{"text":"And, yeah, like I said, like, yeah, my HOPE24 is doing well, and I seem to be doing okay everywhere else.","start":379.76,"end":386.66,"sentiment":"positive","sentiment_score":0.3648436055296943},{"text":"Yeah.","start":388.085,"end":388.585,"sentiment":"neutral","sentiment_score":0.0672624260187149},{"text":"Yeah.","start":389.445,"end":389.945,"sentiment":"neutral","sentiment_score":0.05368652194738388},{"text":"I'd like to say I'm comfortable in inverted commas.","start":390.32498,"end":393.305,"sentiment":"neutral","sentiment_score":0.06800694929228888}],"sentiment":"neutral","sentiment_score":0.1845208421688188,"num_words":44,"start":375.6,"end":393.305},{"sentences":[{"text":"Yeah.","start":399.04498,"end":399.285,"sentiment":"neutral","sentiment_score":0.05265316367149353},{"text":"I hope so.","start":399.285,"end":400.2,"sentiment":"neutral","sentiment_score":-0.0007792295267184576},{"text":"Yep.","start":401.7,"end":402.2,"sentiment":"neutral","sentiment_score":0.051781587302684784},{"text":"I mean, I'd like to win the lottery, but Yes, please.","start":402.82,"end":415.635,"sentiment":"neutral","sentiment_score":0.08613520623608069},{"text":"Yes.","start":427.12997,"end":427.28998,"sentiment":"neutral","sentiment_score":0.06435424089431763}],"sentiment":"neutral","sentiment_score":0.06552579834618989,"num_words":17,"start":399.04498,"end":427.28998},{"sentences":[{"text":"I've had an email, actually.","start":427.28998,"end":428.49,"sentiment":"neutral","sentiment_score":0.0766094982624054},{"text":"I read the email yesterday.","start":428.49,"end":429.77,"sentiment":"neutral","sentiment_score":0.0645337350666523},{"text":"They've given me an update about my premiums and all of that.","start":429.77,"end":433.12997,"sentiment":"neutral","sentiment_score":0.0828625683983167},{"text":"So they sent me two emails, though.","start":433.12997,"end":435.77,"sentiment":"neutral","sentiment_score":-0.0025865999715668814},{"text":"So I need to print one off and then just see whether they've duplicated.","start":435.77,"end":438.50998,"sentiment":"neutral","sentiment_score":-0.023000811359712055}],"sentiment":"neutral","sentiment_score":0.03162673089739888,"num_words":43,"start":427.28998,"end":438.50998},{"sentences":[{"text":"I think I think it's a duplication email, but, yeah, they have sent me, like, the the renewal and stuff for the June.","start":438.72998,"end":444.875,"sentiment":"neutral","sentiment_score":-0.015078358838091726},{"text":"Yeah.","start":444.875,"end":445.375,"sentiment":"neutral","sentiment_score":0.1066167578101158},{"text":"Yep.","start":452.715,"end":453.215,"sentiment":"neutral","sentiment_score":0.0495762936770916},{"text":"Yep.","start":454.07498,"end":454.38,"sentiment":"neutral","sentiment_score":0.03367065265774727},{"text":"Yep.","start":462.06,"end":462.56,"sentiment":"neutral","sentiment_score":-0.16365009546279907}],"sentiment":"neutral","sentiment_score":-0.011873653503479782,"num_words":27,"start":438.72998,"end":462.56},{"sentences":[{"text":"I do.","start":474.235,"end":474.63498,"sentiment":"neutral","sentiment_score":0.09473041072487831},{"text":"Yes.","start":474.63498,"end":474.955,"sentiment":"neutral","sentiment_score":0.12009009718894958},{"text":"Seve when I set up all all of this, Seve said to me it was probably a good idea because my whatever I get, like, my total disability and that, if I was to be injured, that doesn't cover like, I I come a nurse.","start":474.955,"end":492.45,"sentiment":"neutral","sentiment_score":-0.02486533580554856},{"text":"So if I had a stroke, I probably wouldn't be able to go back to work.","start":492.45,"end":495.33002,"sentiment":"neutral","sentiment_score":-0.21102625923231244},{"text":"So then that and, like, the total deficit or whatever, the benefit, whatever, that doesn't cover it.","start":495.33002,"end":501.095,"sentiment":"neutral","sentiment_score":-0.20181243209277883}],"sentiment":"neutral","sentiment_score":-0.094032354146978,"num_words":81,"start":474.235,"end":501.095},{"sentences":[{"text":"So he said to put trauma in as an extra thing because, like, obviously, I've got quite a intense job and, you know, like, I I can't really do anything else if anything happened to me.","start":501.095,"end":512.58,"sentiment":"neutral","sentiment_score":-0.20172899133629268},{"text":"So, yeah, I remember him setting that up for me as a as a safety net just in case something else did happen.","start":512.58,"end":518.04004,"sentiment":"neutral","sentiment_score":0.059031503356021385},{"text":"No.","start":525.635,"end":525.955,"sentiment":"neutral","sentiment_score":-0.21200889348983765},{"text":"I think it's I think that's the one that I looked at yesterday, and I think it's gone up to about $76 a month, which, I mean, I don't really see that that's an issue.","start":525.955,"end":540.73254,"sentiment":"neutral","sentiment_score":-0.18327134507043022},{"text":"Yeah.","start":554.255,"end":554.575,"sentiment":"neutral","sentiment_score":-0.00829567201435566}],"sentiment":"neutral","sentiment_score":-0.13061792451965934,"num_words":96,"start":501.095,"end":554.575},{"sentences":[{"text":"Yeah.","start":554.575,"end":554.895,"sentiment":"neutral","sentiment_score":-0.009362350217998028},{"text":"Like I said, I had the email yesterday, and and I've just finished night shift this morning.","start":554.895,"end":558.255,"sentiment":"neutral","sentiment_score":-0.04693500500391511},{"text":"So I need to just have a few days off, and I'll go through all my emails and double check everything and and whatnot.","start":558.255,"end":562.86,"sentiment":"neutral","sentiment_score":-0.04324795608408749},{"text":"So I will I will look back into that, but I imagine it's just all about the same.","start":562.86,"end":567.26,"sentiment":"neutral","sentiment_score":-0.06225824707912074},{"text":"And I think I started off paying, like, $50.53 dollars or something, and I think, like I said, it's gone up to about 76, which I imagine, you know, how they get you when you've got older and you've got more ailments and stuff.","start":567.26,"end":578.845,"sentiment":"neutral","sentiment_score":-0.09324083756655455}],"sentiment":"neutral","sentiment_score":-0.06796590078514643,"num_words":104,"start":554.575,"end":578.845},{"sentences":[{"text":"Like, I imagine it's all just to do with that.","start":578.845,"end":580.605,"sentiment":"neutral","sentiment_score":-0.12065350934863091},{"text":"But I will look into it in the next few days, and if there's anything, I'll give you a callback.","start":580.605,"end":583.90497,"sentiment":"neutral","sentiment_score":-0.027478070510551334},{"text":"Yes.","start":593.02,"end":593.5,"sentiment":"neutral","sentiment_score":0.17357416450977323},{"text":"Sounds good.","start":593.5,"end":594.32,"sentiment":"neutral","sentiment_score":0.3116840273141861},{"text":"Yep.","start":611.665,"end":611.90497,"sentiment":"neutral","sentiment_score":0.09085487574338912}],"sentiment":"neutral","sentiment_score":-0.025538217906347093,"num_words":34,"start":578.845,"end":611.90497},{"sentences":[{"text":"Perfect.","start":611.90497,"end":612.40497,"sentiment":"positive","sentiment_score":0.3998700976371765},{"text":"No.","start":615.09,"end":615.33,"sentiment":"neutral","sentiment_score":-0.02774077281355858},{"text":"I don't think so.","start":615.33,"end":616.05,"sentiment":"neutral","sentiment_score":-0.09056669007986784},{"text":"Like I said, I've I've in in inverted commas, I'm traveling well.","start":616.05,"end":619.43,"sentiment":"neutral","sentiment_score":-0.040442502591758966},{"text":"No.","start":625.41003,"end":625.57,"sentiment":"neutral","sentiment_score":0.15511086583137512}],"sentiment":"neutral","sentiment_score":-0.016859821092925574,"num_words":19,"start":611.90497,"end":625.57},{"sentences":[{"text":"Thank you for your time too.","start":625.57,"end":627.03,"sentiment":"neutral","sentiment_score":0.30346427857875824},{"text":"Yeah.","start":627.17,"end":627.33,"sentiment":"neutral","sentiment_score":0.07669852674007416},{"text":"You have a good day.","start":627.33,"end":628.305,"sentiment":"positive","sentiment_score":0.8122269868850708},{"text":"Yeah.","start":632.305,"end":632.625,"sentiment":"neutral","sentiment_score":0.3193722069263458},{"text":"No worries.","start":632.625,"end":633.105,"sentiment":"positive","sentiment_score":0.3547297418117523}],"sentiment":"positive","sentiment_score":0.46583005487918855,"num_words":15,"start":625.57,"end":633.105},{"sentences":[{"text":"All good.","start":633.105,"end":633.845,"sentiment":"positive","sentiment_score":0.6980950236320496},{"text":"Thank you.","start":636.46497,"end":637.02496,"sentiment":"positive","sentiment_score":0.6871954798698425},{"text":"Bye.","start":637.02496,"end":637.265,"sentiment":"positive","sentiment_score":0.3677744865417481},{"text":"Bye bye.","start":637.265,"end":638.005,"sentiment":"neutral","sentiment_score":0.03302519768476486}],"sentiment":"positive","sentiment_score":0.45777226984500885,"num_words":7,"start":633.105,"end":638.005}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Amanda. It's Tommy here, senior adviser from Oakview Financial. How are you going today?\n\nChannel 1: I'm good. Thanks. How are you?\n\nChannel 0: I'm doing absolutely fantastic. I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time.\n\nChannel 1: Yep. That's fine. Yeah. No worries.\n\nChannel 0: No worries at all. Now I'm just going through a few previous documents from the end of last year and January. As\n\nChannel 1: Yep.\n\nChannel 0: it is dealing with your personal information, do you mind if I go through security with you?\n\nChannel 1: No. No. That's fine. Yeah.\n\nChannel 0: Perfect. So the calls are recorded for training and quality purposes. Could I please confirm your date of birth and address, please?\n\nChannel 1: Yeah. It's fifty the fifth nineteen eighty, and the address is 47 Grand Park Circuit, Point Cook 3030, Victoria.\n\nChannel 0: Sensational. And I'm registered with Asic as adviser one two seven three one zero five.\n\nChannel 1: Lovely.\n\nChannel 0: Alright. Now, Amanda, one of the things I was looking at today is you had a bit of a conversation with our director, Sevvy, towards the end of last year, and he sent you through a bit of a statement of advice looking to do a portfolio update into something called a SMA, separately managed account. Does that ring a bell at all?\n\nChannel 1: It was called what? Sorry. A portfolio of\n\nChannel 0: Yeah. A portfolio called an SSMA, separately managed account.\n\nChannel 1: oh, yeah. Yeah. I do remember that conversation. Yeah. Is is any good?\n\nLike, I've heard bad things about them.\n\nChannel 0: Yeah. I mean, it really depends on who provides this and what the underlying investments are and all that kind of thing. But what what have you heard from it recently?\n\nChannel 1: Just everyone that I've spoken to has gone on, like, you know, stay away if you're on a good like, if you got a good super at the moment and don't, like, don't change and stuff. Yeah. So I'm not too sure. I don't actually know a lot about them, to be So I am yeah. I I'm I'm one of those people that just goes with what she knows and stays safe.\n\nChannel 0: Yeah. Yep. Play it consistent. That kind of thing. Flow and steady\n\nChannel 1: Yeah.\n\nChannel 0: wins. Alright?\n\nChannel 1: Yeah.\n\nChannel 0: No. That's totally fine. So I'm having a look at your Hub twenty four account now, and, look, it's you've had a really good run. Your account's been growing pretty fantastically. You've had a really good return the last twelve months.\n\nDo you keep\n\nChannel 1: Yep.\n\nChannel 0: an eye on it?\n\nChannel 1: I do keep an eye on it. Yeah. Yeah.\n\nChannel 0: Yep. And how do you feel like it's been going from your perspective?\n\nChannel 1: Look. I'm pretty pretty pleased with it. It seems to be going off and yeah. Like, I get my emails when like, I did when I get the trade summaries and stuff. Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that.\n\nBut it seems to be going well. Yeah.\n\nChannel 0: Yeah. Yeah. Overall, I'm looking at it and there's it's cleared still like a a 10% return after fee, which\n\nChannel 1: Yep.\n\nChannel 0: for your growth risk profile, we're kind of aiming for, like, nine to 10% average anyway, even\n\nChannel 1: Mhmm.\n\nChannel 0: with the world on fire and the market kind of going up and down like a yo yo.\n\nChannel 1: Yeah. I know. Yeah. It's crazy at the moment. Hey.\n\nChannel 0: It is. It is. So one of the things that I was looking at is that because we've got you scheduled in for your next annual review in about six or seven months time, because that\n\nChannel 1: Mhmm.\n\nChannel 0: had expired, I kinda just wanted to run through, I guess, the logic behind it and see if there was a reason to change anything or just to kind of let it run for another six months.\n\nChannel 1: Yeah. Look. I mean, if everything's going well and I'm getting returns and stuff, I would probably just keep it going. Yeah. And, you know, it seems to be working for me.\n\nI sort of understand what's going on with it. I don't yeah. And like I say, I'm one of them people that don't rock the boat. So and, yeah, I'd probably just stay on with it and keep going. Yeah.\n\nChannel 0: Yeah. That's totally cool. And just to kind of let you know, I guess, the differences between what you've got and what was being recommended just so you can make an informed decision,\n\nChannel 1: Mhmm.\n\nChannel 0: your portfolio that we built for you has about eight different investment options in there. So that's all those\n\nChannel 1: Mhmm.\n\nChannel 0: trade summaries you're seeing is buying\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: yes.\n\nChannel 0: selling those different ETFs, if that rings a bell.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So the difference really, when you put an SMA, we kind of call it a bit of a bubble. It kind of wraps a bubble around your portfolio, and it puts it on like a lower fee menu within hub 24, but gives you access to the same investments. The\n\nChannel 1: Okay.\n\nChannel 0: other thing that it kind of does is it just allows, like, and in conjunction with BlackRock, our ability to kind of update your investments throughout the year without having to go through that when we do the annual review, giving you a full new statement of advice every time we wanna change an option.\n\nChannel 1: Okay.\n\nChannel 0: Okay? So the only option that's really been kind of dragging a little bit for you, there's a Benelon Australian shares option, which hasn't been doing too well, but all the rest\n\nChannel 1: Mhmm.\n\nChannel 0: of them have been soaring up pretty fantastic. And overall, like you've seen, the performance has been pretty good.\n\nChannel 1: Yep.\n\nChannel 0: So if you're kind of comfortable with how that's going, like, we don't have to switch the structure around. It's basically just a way to reduce the fees a bit and get it moving a little bit quicker. But, look, I don't see any major issues with what you've got that's been doing really well. We did have\n\nChannel 1: Mhmm.\n\nChannel 0: some concerns about just with the inflation and everything picking up at the moment that there's a few investments we'd like to kind of mix in over\n\nChannel 1: Yeah.\n\nChannel 0: time, but that\n\nChannel 1: Yep.\n\nChannel 0: can always be something that we can discuss in your next review as well.\n\nChannel 1: Yeah. Okay. Yeah. Yeah. Probably leave everything as it is, and then we'll discuss again in my\n\nChannel 0: Mhmm.\n\nChannel 1: next review, if that's alright. Yeah.\n\nChannel 0: Yeah. Totally fine. Happy to be guided by you. And was there anything else, like, in the interim that you were looking for advice for, whether it be investment, cash flow, debt, insurance, anything that we need to address\n\nChannel 1: No. Touch wood, dare I say, I'm actually traveling okay,\n\nChannel 0: before the review?\n\nChannel 1: which\n\nChannel 0: That's\n\nChannel 1: makes\n\nChannel 0: good\n\nChannel 1: me a\n\nChannel 0: to\n\nChannel 1: bit\n\nChannel 0: hear.\n\nChannel 1: worried.\n\nChannel 0: You're thinking something's around the corner, surely?\n\nChannel 1: Yeah. Yeah. You know, like, yeah, you you that puts you into a full sense of security. Like, I'm going okay, so\n\nChannel 0: Mhmm.\n\nChannel 1: what's gonna go wrong? I mean, not. Yeah. So now I'm just gonna I'm just gonna not rock the boat. And, yeah, like I said, like, yeah, my HOPE24 is doing well, and I seem to be doing okay everywhere else.\n\nYeah. Yeah. I'd like to say I'm comfortable in inverted commas.\n\nChannel 0: Mhmm. Fantastic. Well, hopefully, that continues on for a bit longer still, and we\n\nChannel 1: Yeah.\n\nChannel 0: can all\n\nChannel 1: I hope\n\nChannel 0: touch wood\n\nChannel 1: so.\n\nChannel 0: on both ends of the phone.\n\nChannel 1: Yep. I mean,\n\nChannel 0: I'm having\n\nChannel 1: I'd like\n\nChannel 0: a look\n\nChannel 1: to win\n\nChannel 0: at\n\nChannel 1: the lottery,\n\nChannel 0: your\n\nChannel 1: but\n\nChannel 0: I mean, we've always got that as a long term goal, but we I can't provide you a recommendation on that right now. But when I find out, I'll let you know.\n\nChannel 1: Yes, please.\n\nChannel 0: The only thing I was gonna quickly just touch base with you on is your your NAS insurances. They have a policy anniversary on the June 28. So that's when\n\nChannel 1: Yes.\n\nChannel 0: you'll\n\nChannel 1: I've\n\nChannel 0: cover\n\nChannel 1: had an\n\nChannel 0: kind\n\nChannel 1: email,\n\nChannel 0: of\n\nChannel 1: actually. I read the email yesterday. They've given me an update about my premiums and all of that. So they sent me two emails, though. So I need to print one off and then just see whether they've duplicated.\n\nI think I think it's a duplication email, but, yeah, they have sent me, like, the the renewal and stuff for the June. Yeah.\n\nChannel 0: Yeah. Cool. Okay. So that'll just be the the life keeping the income protection will come out from the hub super in about\n\nChannel 1: Yep.\n\nChannel 0: a month's time.\n\nChannel 1: Yep.\n\nChannel 0: And the one that kind of looked a bit weird for me, I just wanted to get your opinion on this because my we've got a new system, and\n\nChannel 1: Yep.\n\nChannel 0: I can't make sense of it. I have, like, a a trauma policy, which is like an out of pocket monthly cost for, like, heart attack, stroke, and cancer. Do you remember putting that in place about three years ago?\n\nChannel 1: I do. Yes. Seve when I set up all all of this, Seve said to me it was probably a good idea because my whatever I get, like, my total disability and that, if I was to\n\nChannel 0: Mhmm.\n\nChannel 1: be injured, that doesn't cover like, I I come a nurse. So if I had a stroke, I probably wouldn't be able to go back to work. So then that and, like, the total deficit or whatever, the benefit, whatever, that doesn't cover it. So he said to put trauma in as an extra thing because, like, obviously, I've got quite a intense job and, you know, like, I I can't really do anything else if anything happened to me. So, yeah, I remember him setting that up for me\n\nChannel 0: Yeah.\n\nChannel 1: as a as a safety net just in case something else did happen.\n\nChannel 0: Yeah. Perfect. And are you still okay with those Anavo three premiums out of pocket? It's not jumped up too much, has it?\n\nChannel 1: No. I think it's I think that's the one that I looked at yesterday, and I think it's gone up to about $76 a month, which, I mean, I don't really see that that's an\n\nChannel 0: Okay. Yep. I'll I'll have to keep a bit of an eye on that one because the original plan schedule, it just looked a\n\nChannel 1: issue.\n\nChannel 0: bit strange to me because it had, like, a a premium due date of, like, 06/28/2023, and I thought that it had been either, like, canceled straight away or if it was still running. So I just wanted to just quickly run it by you.\n\nChannel 1: Yeah. Yeah. Like I said, I had the email yesterday, and and I've just finished night shift this morning. So I need to just have a few days off, and I'll go through all my emails and double check everything and and whatnot. So I will I will look back into that, but I imagine it's just all about the same.\n\nAnd I think I started off paying, like, $50.53 dollars or something, and I think, like I said, it's gone up to about 76, which I imagine, you know, how they get you when you've got older and you've got more ailments and stuff. Like, I imagine it's all just to do with that. But I will look into it in the next few days, and if there's anything, I'll give you a callback.\n\nChannel 0: Yeah. That'll be fantastic. And if we don't hear from you, we'll obviously package all of it up for that annual review discussion, and we'll do a bit of a deep dive then as well.\n\nChannel 1: Yes. Sounds good.\n\nChannel 0: Alrighty. Okay, Amanda. That's totally fine. I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers. Is\n\nChannel 1: Yep.\n\nChannel 0: there anything\n\nChannel 1: Perfect.\n\nChannel 0: else I can do for you today?\n\nChannel 1: No. I don't think so. Like I said, I've I've in in inverted commas, I'm traveling well.\n\nChannel 0: No. That's fantastic to hear. And look, I do appreciate you taking the time with me today.\n\nChannel 1: No. Thank you for your time too. Yeah. You have a good day.\n\nChannel 0: You too, Amanda. And we'll we'll talk to you in a few months.\n\nChannel 1: Yeah. No worries. All good.\n\nChannel 0: Thank you. See you later.\n\nChannel 1: Thank you. Bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.022385690361261368}],"sentiment":"neutral","sentiment_score":0.022385690361261368,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Hi, Amanda.","start":3.1999998,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.1220274493098259},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.9199998,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.14925969578325748},{"text":"How are you going today?","start":6.3999996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.20013532638549805}],"sentiment":"neutral","sentiment_score":0.16258727312088012,"channel":0,"num_words":15,"start":3.1999998,"end":7.3799996},{"sentences":[{"text":"I'm good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.4829588979482651},{"text":"Thanks.","start":8.32,"end":8.559999,"sentiment":"positive","sentiment_score":0.6124265193939209},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"positive","sentiment_score":0.3752582371234894}],"sentiment":"positive","sentiment_score":0.4506865044434865,"channel":1,"num_words":6,"start":7.9199996,"end":9.38},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":10.08,"end":11.94,"sentiment":"positive","sentiment_score":0.7525863498449326},{"text":"I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time.","start":12.554999,"end":18.335,"sentiment":"positive","sentiment_score":0.3614477135918357}],"sentiment":"positive","sentiment_score":0.42162288840000445,"channel":0,"num_words":26,"start":10.08,"end":18.335},{"sentences":[{"text":"Yep.","start":18.735,"end":19.055,"sentiment":"neutral","sentiment_score":0.10670627653598784},{"text":"That's fine.","start":19.055,"end":19.455,"sentiment":"neutral","sentiment_score":0.17117851227521896},{"text":"Yeah.","start":19.455,"end":19.695,"sentiment":"neutral","sentiment_score":0.1140243485569954},{"text":"No worries.","start":19.695,"end":20.355,"sentiment":"neutral","sentiment_score":0.07984654605388641}],"sentiment":"neutral","sentiment_score":0.12046345695853233,"channel":1,"num_words":6,"start":18.735,"end":20.355},{"sentences":[{"text":"No worries at all.","start":21.435,"end":22.474998,"sentiment":"neutral","sentiment_score":0.03298375103622675},{"text":"Now I'm just going through a few previous documents from the end of last year and January.","start":22.474998,"end":27.614998,"sentiment":"neutral","sentiment_score":0.006120798465631464},{"text":"As","start":28.369999,"end":28.529999,"sentiment":"neutral","sentiment_score":0.0053656259551644325}],"sentiment":"neutral","sentiment_score":0.010970645637082105,"channel":0,"num_words":22,"start":21.435,"end":28.529999},{"sentences":[{"text":"Yep.","start":28.51,"end":29.01,"sentiment":"neutral","sentiment_score":0.005572293885052204}],"sentiment":"neutral","sentiment_score":0.005572293885052204,"channel":1,"num_words":1,"start":28.51,"end":29.01},{"sentences":[{"text":"it is dealing with your personal information, do you mind if I go through security with you?","start":28.529999,"end":32.55,"sentiment":"neutral","sentiment_score":-0.009674963979598354}],"sentiment":"neutral","sentiment_score":-0.009674963979598354,"channel":0,"num_words":17,"start":28.529999,"end":32.55},{"sentences":[{"text":"No.","start":32.83,"end":33.07,"sentiment":"neutral","sentiment_score":-0.04692710563540459},{"text":"No.","start":33.07,"end":33.23,"sentiment":"neutral","sentiment_score":-0.03902328386902809},{"text":"That's fine.","start":33.23,"end":33.63,"sentiment":"neutral","sentiment_score":0.020913443993777037},{"text":"Yeah.","start":33.63,"end":34.13,"sentiment":"neutral","sentiment_score":0.1021130234003067}],"sentiment":"neutral","sentiment_score":0.01159790437668562,"channel":1,"num_words":5,"start":32.83,"end":34.13},{"sentences":[{"text":"Perfect.","start":35.09,"end":35.489998,"sentiment":"neutral","sentiment_score":0.1957476437091827},{"text":"So the calls are recorded for training and quality purposes.","start":35.489998,"end":38.309998,"sentiment":"neutral","sentiment_score":0.05284803248941898},{"text":"Could I please confirm your date of birth and address, please?","start":38.61,"end":41.75,"sentiment":"neutral","sentiment_score":0.02926782857288014}],"sentiment":"neutral","sentiment_score":0.047553367404775185,"channel":0,"num_words":22,"start":35.09,"end":41.75},{"sentences":[{"text":"Yeah.","start":42.204998,"end":42.445,"sentiment":"neutral","sentiment_score":0.01192142441868782},{"text":"It's fifty the fifth nineteen eighty, and the address is 47 Grand Park Circuit, Point Cook 3030, Victoria.","start":42.445,"end":48.545,"sentiment":"neutral","sentiment_score":0.025519490914626256}],"sentiment":"neutral","sentiment_score":0.024803803204313704,"channel":1,"num_words":19,"start":42.204998,"end":48.545},{"sentences":[{"text":"Sensational.","start":49.735,"end":50.235,"sentiment":"neutral","sentiment_score":0.06950058788061142},{"text":"And I'm registered with Asic as adviser one two seven three one zero five.","start":50.455,"end":54.635002,"sentiment":"neutral","sentiment_score":0.04087116702326706}],"sentiment":"neutral","sentiment_score":0.04277979508042336,"channel":0,"num_words":15,"start":49.735,"end":54.635002},{"sentences":[{"text":"Lovely.","start":55.190002,"end":55.690002,"sentiment":"neutral","sentiment_score":0.27245086431503296}],"sentiment":"neutral","sentiment_score":0.27245086431503296,"channel":1,"num_words":1,"start":55.190002,"end":55.690002},{"sentences":[{"text":"Alright.","start":56.79,"end":57.19,"sentiment":"neutral","sentiment_score":0.11346747726202012},{"text":"Now, Amanda, one of the things I was looking at today is you had a bit of a conversation with our director, Sevvy, towards the end of last year, and he sent you through a bit of a statement of advice looking to do a portfolio update into something called a SMA, separately managed account.","start":57.19,"end":74.925,"sentiment":"neutral","sentiment_score":-0.001575606841255318},{"text":"Does that ring a bell at all?","start":74.925,"end":76.385,"sentiment":"neutral","sentiment_score":-0.03738799584763391}],"sentiment":"neutral","sentiment_score":-0.0037286804752453924,"channel":0,"num_words":63,"start":56.79,"end":76.385},{"sentences":[{"text":"It was called what?","start":77.03,"end":77.67,"sentiment":"neutral","sentiment_score":-0.031191182788461447},{"text":"Sorry.","start":77.67,"end":77.99,"sentiment":"neutral","sentiment_score":-0.03812011331319809},{"text":"A portfolio of","start":77.99,"end":79.13,"sentiment":"neutral","sentiment_score":-0.024896137416362762}],"sentiment":"neutral","sentiment_score":-0.02969665708951652,"channel":1,"num_words":8,"start":77.03,"end":79.13},{"sentences":[{"text":"Yeah.","start":80.045,"end":80.365005,"sentiment":"neutral","sentiment_score":-0.01837725192308426},{"text":"A portfolio called an SSMA, separately managed account.","start":80.365005,"end":84.6,"sentiment":"neutral","sentiment_score":-0.0196333039784804}],"sentiment":"neutral","sentiment_score":-0.019493742638991937,"channel":0,"num_words":9,"start":80.045,"end":84.6},{"sentences":[{"text":"oh, yeah.","start":86.149994,"end":86.71,"sentiment":"neutral","sentiment_score":-0.028427883982658386},{"text":"Yeah.","start":86.71,"end":87.21,"sentiment":"neutral","sentiment_score":-0.013275333680212498},{"text":"I do remember that conversation.","start":87.35,"end":88.649994,"sentiment":"neutral","sentiment_score":-0.011588812619447709},{"text":"Yeah.","start":88.78999,"end":89.025,"sentiment":"neutral","sentiment_score":-0.022496232762932777},{"text":"Is is any good?","start":89.105,"end":89.985,"sentiment":"neutral","sentiment_score":-0.07929843291640282}],"sentiment":"neutral","sentiment_score":-0.035981933013177834,"channel":1,"num_words":13,"start":86.149994,"end":89.985},{"sentences":[{"text":"Like, I've heard bad things about them.","start":89.985,"end":91.765,"sentiment":"neutral","sentiment_score":-0.2984335592814854}],"sentiment":"neutral","sentiment_score":-0.2984335592814854,"channel":1,"num_words":7,"start":89.985,"end":91.765},{"sentences":[{"text":"Yeah.","start":93.24,"end":93.64,"sentiment":"neutral","sentiment_score":-0.1900658756494522},{"text":"I mean, it really depends on who provides this and what the underlying investments are and all that kind of thing.","start":93.64,"end":100.465,"sentiment":"neutral","sentiment_score":-0.13193206595523016},{"text":"But what what have you heard from it recently?","start":100.465,"end":102.685,"sentiment":"neutral","sentiment_score":-0.15921789738867018}],"sentiment":"neutral","sentiment_score":-0.1417290431357199,"channel":0,"num_words":31,"start":93.24,"end":102.685},{"sentences":[{"text":"Just everyone that I've spoken to has gone on, like, you know, stay away if you're on a good like, if you got a good super at the moment and don't, like, don't change and stuff.","start":104.26,"end":112.74,"sentiment":"neutral","sentiment_score":-0.2403330902258555},{"text":"Yeah.","start":112.74,"end":113.06,"sentiment":"neutral","sentiment_score":-0.11997558176517488},{"text":"So I'm not too sure.","start":113.06,"end":114.020004,"sentiment":"neutral","sentiment_score":-0.16375824958086013},{"text":"I don't actually know a lot about them, to be So I am yeah.","start":114.020004,"end":118.435,"sentiment":"neutral","sentiment_score":-0.13948517452393258},{"text":"I I'm I'm one of those people that just goes with what she knows and stays 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you.","start":551.78,"end":553.815,"sentiment":"neutral","sentiment_score":-0.059337667443535545}],"sentiment":"neutral","sentiment_score":-0.14503023160828485,"channel":0,"num_words":45,"start":540.26,"end":553.815},{"sentences":[{"text":"Yeah.","start":554.255,"end":554.575,"sentiment":"neutral","sentiment_score":-0.00829567201435566},{"text":"Yeah.","start":554.575,"end":554.895,"sentiment":"neutral","sentiment_score":-0.009362350217998028},{"text":"Like I said, I had the email yesterday, and and I've just finished night shift this morning.","start":554.895,"end":558.255,"sentiment":"neutral","sentiment_score":-0.04693500500391511},{"text":"So I need to just have a few days off, and I'll go through all my emails and double check everything and and whatnot.","start":558.255,"end":562.86,"sentiment":"neutral","sentiment_score":-0.04324795608408749},{"text":"So I will I will look back into that, but I imagine it's just all about the same.","start":562.86,"end":567.26,"sentiment":"neutral","sentiment_score":-0.06225824707912074}],"sentiment":"neutral","sentiment_score":-0.04875659837280629,"channel":1,"num_words":61,"start":554.255,"end":567.26},{"sentences":[{"text":"And I think I started off paying, like, $50.53 dollars or something, and I think, like I said, it's gone up to about 76, which I imagine, you know, how they get you when you've got older and you've got more ailments and stuff.","start":567.26,"end":578.845,"sentiment":"neutral","sentiment_score":-0.09324083756655455},{"text":"Like, I imagine it's all just to do with that.","start":578.845,"end":580.605,"sentiment":"neutral","sentiment_score":-0.12065350934863091},{"text":"But I will look into it in the next few days, and if there's anything, I'll give you a callback.","start":580.605,"end":583.90497,"sentiment":"neutral","sentiment_score":-0.027478070510551334}],"sentiment":"neutral","sentiment_score":-0.07917153184629373,"channel":1,"num_words":74,"start":567.26,"end":583.90497},{"sentences":[{"text":"Yeah.","start":585.02496,"end":585.265,"sentiment":"neutral","sentiment_score":0.1063673049211502},{"text":"That'll be fantastic.","start":585.265,"end":586.245,"sentiment":"positive","sentiment_score":0.41065313418706256},{"text":"And if we don't hear from you, we'll obviously package all of it up for that annual review discussion, and we'll do a bit of a deep dive then as well.","start":586.305,"end":592.805,"sentiment":"neutral","sentiment_score":0.1764320760003982}],"sentiment":"neutral","sentiment_score":0.19450631609984806,"channel":0,"num_words":35,"start":585.02496,"end":592.805},{"sentences":[{"text":"Yes.","start":593.02,"end":593.5,"sentiment":"neutral","sentiment_score":0.17357416450977323},{"text":"Sounds good.","start":593.5,"end":594.32,"sentiment":"neutral","sentiment_score":0.3116840273141861}],"sentiment":"neutral","sentiment_score":0.26564740637938183,"channel":1,"num_words":3,"start":593.02,"end":594.32},{"sentences":[{"text":"Alrighty.","start":595.345,"end":595.845,"sentiment":"neutral","sentiment_score":0.2041214406490326},{"text":"Okay, Amanda.","start":595.90497,"end":596.545,"sentiment":"neutral","sentiment_score":0.20273050665855408},{"text":"That's totally fine.","start":596.545,"end":597.425,"sentiment":"positive","sentiment_score":0.40608981251716614},{"text":"I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers.","start":597.425,"end":611.12,"sentiment":"neutral","sentiment_score":0.17325696729275644},{"text":"Is","start":611.475,"end":611.71497,"sentiment":"neutral","sentiment_score":0.06325800716876984}],"sentiment":"neutral","sentiment_score":0.18536966600056207,"channel":0,"num_words":56,"start":595.345,"end":611.71497},{"sentences":[{"text":"Yep.","start":611.665,"end":611.90497,"sentiment":"neutral","sentiment_score":0.09085487574338912}],"sentiment":"neutral","sentiment_score":0.09085487574338912,"channel":1,"num_words":1,"start":611.665,"end":611.90497},{"sentences":[{"text":"there anything","start":611.71497,"end":612.095,"sentiment":"neutral","sentiment_score":0.10262390598654747}],"sentiment":"neutral","sentiment_score":0.10262390598654747,"channel":0,"num_words":2,"start":611.71497,"end":612.095},{"sentences":[{"text":"Perfect.","start":611.90497,"end":612.40497,"sentiment":"positive","sentiment_score":0.3998700976371765}],"sentiment":"positive","sentiment_score":0.3998700976371765,"channel":1,"num_words":1,"start":611.90497,"end":612.40497},{"sentences":[{"text":"else I can do for you today?","start":612.095,"end":613.65497,"sentiment":"neutral","sentiment_score":0.250063100031444}],"sentiment":"neutral","sentiment_score":0.250063100031444,"channel":0,"num_words":7,"start":612.095,"end":613.65497},{"sentences":[{"text":"No.","start":615.09,"end":615.33,"sentiment":"neutral","sentiment_score":-0.02774077281355858},{"text":"I don't think so.","start":615.33,"end":616.05,"sentiment":"neutral","sentiment_score":-0.09056669007986784},{"text":"Like I said, I've I've in in inverted commas, I'm traveling well.","start":616.05,"end":619.43,"sentiment":"neutral","sentiment_score":-0.040442502591758966}],"sentiment":"neutral","sentiment_score":-0.05148926848436103,"channel":1,"num_words":17,"start":615.09,"end":619.43},{"sentences":[{"text":"No.","start":621.235,"end":621.475,"sentiment":"neutral","sentiment_score":0.06643323600292206},{"text":"That's fantastic to hear.","start":621.475,"end":622.435,"sentiment":"positive","sentiment_score":0.3873228430747986},{"text":"And look, I do appreciate you taking the time with me today.","start":622.435,"end":625.095,"sentiment":"positive","sentiment_score":0.5011783887942632}],"sentiment":"positive","sentiment_score":0.44881560434313383,"channel":0,"num_words":17,"start":621.235,"end":625.095},{"sentences":[{"text":"No.","start":625.41003,"end":625.57,"sentiment":"neutral","sentiment_score":0.15511086583137512},{"text":"Thank you for your time too.","start":625.57,"end":627.03,"sentiment":"neutral","sentiment_score":0.30346427857875824},{"text":"Yeah.","start":627.17,"end":627.33,"sentiment":"neutral","sentiment_score":0.07669852674007416},{"text":"You have a good day.","start":627.33,"end":628.305,"sentiment":"positive","sentiment_score":0.8122269868850708}],"sentiment":"positive","sentiment_score":0.47028692295918095,"channel":1,"num_words":13,"start":625.41003,"end":628.305},{"sentences":[{"text":"You too, Amanda.","start":629.37,"end":630.25,"sentiment":"positive","sentiment_score":0.5786155263582865},{"text":"And we'll we'll talk to you in a few months.","start":630.25,"end":632.19,"sentiment":"neutral","sentiment_score":0.2733584985136986}],"sentiment":"positive","sentiment_score":0.3438024280162958,"channel":0,"num_words":13,"start":629.37,"end":632.19},{"sentences":[{"text":"Yeah.","start":632.305,"end":632.625,"sentiment":"neutral","sentiment_score":0.3193722069263458},{"text":"No worries.","start":632.625,"end":633.105,"sentiment":"positive","sentiment_score":0.3547297418117523},{"text":"All good.","start":633.105,"end":633.845,"sentiment":"positive","sentiment_score":0.6980950236320496}],"sentiment":"positive","sentiment_score":0.48500434756278993,"channel":1,"num_words":5,"start":632.305,"end":633.845},{"sentences":[{"text":"Thank you.","start":634.97003,"end":635.45,"sentiment":"positive","sentiment_score":0.7770432233810425},{"text":"See you later.","start":635.45,"end":636.27,"sentiment":"positive","sentiment_score":0.594379723072052}],"sentiment":"positive","sentiment_score":0.6674451231956482,"channel":0,"num_words":5,"start":634.97003,"end":636.27},{"sentences":[{"text":"Thank you.","start":636.46497,"end":637.02496,"sentiment":"positive","sentiment_score":0.6871954798698425},{"text":"Bye.","start":637.02496,"end":637.265,"sentiment":"positive","sentiment_score":0.3677744865417481},{"text":"Bye bye.","start":637.265,"end":638.005,"sentiment":"neutral","sentiment_score":0.03302519768476486}],"sentiment":"positive","sentiment_score":0.36164316833019255,"channel":1,"num_words":5,"start":636.46497,"end":638.005}]},"summary":{"result":"success","short":"A senior adviser from Oakview Financial called Amanda to schedule a portfolio update and discuss her underwriting. They discussed the performance of her portfolio and the possibility of a Benelon Australian shares option. The adviser suggested keeping the current plan and offered to discuss it in the customer's next review. They also mentioned keeping the plan and the Benelon Australian shares option, but had some concerns about inflation. The customer discussed their insurance policy and retirement plans with the agent and the agent explained it is a long term goal and will update their monthly premiums. They also discussed a new insurance policy and the agent mentioned it is a long term goal and will update their monthly premiums. The customer thanked the agent and plans to follow up in a few months."},"intents":{"segments":[{"text":"It's Tommy here, senior adviser from Oakview Financial. How are you going today? I'm good. Thanks. How are you? I'm doing absolutely fantastic. I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time. Yep.","start_word":3,"end_word":48,"intents":[{"intent":"Schedule adviser","confidence_score":0.00009042866}]},{"text":"So I'm having a look at your Hub twenty four account now, and, look, it's you've had a really good run. Your account's been growing pretty fantastically. You've had a really good return the last twelve months. Do you keep Yep.","start_word":380,"end_word":420,"intents":[{"intent":"Review hub twenty four account","confidence_score":0.0421076}]},{"text":"I'm pretty pretty pleased with it. It seems to be going off and yeah. Like, I get my emails when like, I did when I get the trade summaries and stuff. Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that. But it seems to be going well.","start_word":448,"end_word":512,"intents":[{"intent":"Express satisfaction with account growth","confidence_score":0.023166085}]},{"text":"I'm pretty pretty pleased with it. It seems to be going off and yeah. Like, I get my emails when like, I did when I get the trade summaries and stuff. Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that. But it seems to be going well. Yeah.","start_word":448,"end_word":513,"intents":[{"intent":"Report trading summaries and trade summaries","confidence_score":0.000045131084}]},{"text":"So one of the things that I was looking at is that because we've got you scheduled in for your next annual review in about six or seven months time, because that Mhmm. had expired, I kinda just wanted to run through, I guess, the logic behind it and see if there was a reason to change anything or just to kind of let it run for another six months. Yeah.","start_word":585,"end_word":655,"intents":[{"intent":"Discuss outlook on annual review","confidence_score":0.00031649726}]},{"text":"So the difference really, when you put an SMA, we kind of call it a bit of a bubble. It kind of wraps a bubble around your portfolio, and it puts it on like a lower fee menu within hub 24, but gives you access to the same investments.","start_word":801,"end_word":849,"intents":[{"intent":"Compare investments","confidence_score":0.012688891}]},{"text":"The only thing I was gonna quickly just touch base with you on is your your NAS insurances. They have a policy anniversary on the June 28.","start_word":1312,"end_word":1338,"intents":[{"intent":"Discuss policy update","confidence_score":0.004678095}]},{"text":"And the one that kind of looked a bit weird for me, I just wanted to get your opinion on this because my we've got a new system, and Yep.","start_word":1442,"end_word":1471,"intents":[{"intent":"Request opinion on insurance","confidence_score":0.0012855997}]},{"text":"I'll I'll have to keep a bit of an eye on that one because the original plan schedule, it just looked a issue. bit strange to me because it had, like, a a premium due date of, like, 06/28/2023, and I thought that it had been either, like, canceled straight away or if it was still running. So I just wanted to just quickly run it by you. Yeah.","start_word":1715,"end_word":1783,"intents":[{"intent":"Schedule review","confidence_score":0.037210234}]},{"text":"I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers.","start_word":1961,"end_word":2009,"intents":[{"intent":"Report plan changes","confidence_score":0.0014957673}]},{"text":"Is Yep.","start_word":2010,"end_word":2011,"intents":[{"intent":"Clarify information","confidence_score":0.000011891246}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Amanda. It's Tommy here, senior adviser from Oakview Financial. How are you going today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.14768540859222412},{"text":"I'm good. Thanks. How are you? I'm doing absolutely fantastic. I've got you scheduled in for a bit of a an advice strategy catch up today if you still have some time.","start_word":16,"end_word":47,"sentiment":"positive","sentiment_score":0.45400917530059814},{"text":"Yep. That's fine. Yeah. No worries. No worries at all. Now I'm just going through a few previous documents from the end of last year and January. As Yep. it is dealing with your personal information, do you mind if I go through security with you? No. No. That's fine. Yeah. Perfect. So the calls are recorded for training and quality purposes. Could I please confirm your date of birth and address, please? Yeah. It's fifty the fifth nineteen eighty, and the address is 47 Grand Park Circuit, Point Cook 3030, Victoria. Sensational. And I'm registered with Asic as adviser one two seven three one zero five. Lovely. Alright. Now, Amanda, one of the things I was looking at today is you had a bit of a conversation with our director, Sevvy, towards the end of last year, and he sent you through a bit of a statement of advice looking to do a portfolio update into something called a SMA, separately managed account. Does that ring a bell at all? It was called what? Sorry. A portfolio of Yeah. A portfolio called an SSMA, separately managed account. oh, yeah. Yeah. I do remember that conversation. Yeah. Is is any good? Like, I've heard bad things about them. Yeah. I mean, it really depends on who provides this and what the underlying investments are and all that kind of thing. But what what have you heard from it recently? Just everyone that I've spoken to has gone on, like, you know, stay away if you're on a good like, if you got a good super at the moment and don't, like, don't change and stuff. Yeah. So I'm not too sure. I don't actually know a lot about them, to be So I am yeah. I I'm I'm one of those people that just goes with what she knows and stays safe. Yeah. Yep. Play it consistent. That kind of thing. Flow and steady Yeah. wins. Alright? Yeah. No. That's totally fine.","start_word":48,"end_word":379,"sentiment":"neutral","sentiment_score":-0.02399891674383936},{"text":"So I'm having a look at your Hub twenty four account now, and, look, it's you've had a really good run. Your account's been growing pretty fantastically. You've had a really good return the last twelve months.","start_word":380,"end_word":416,"sentiment":"positive","sentiment_score":0.6067973971366882},{"text":"Do you keep Yep. an eye on it? I do keep an eye on it. Yeah. Yeah. Yep. And how do you feel like it's been going from your perspective?","start_word":417,"end_word":446,"sentiment":"neutral","sentiment_score":0.11129162460565568},{"text":"Look. I'm pretty pretty pleased with it. It seems to be going off and yeah.","start_word":447,"end_word":461,"sentiment":"positive","sentiment_score":0.5358874201774597},{"text":"Like, I get my emails when like, I did when I get the trade summaries and stuff. Like so I know that you guys are doing all that sort of thing behind the background, and I don't need to deal with all of that.","start_word":462,"end_word":505,"sentiment":"neutral","sentiment_score":0.23759709298610687},{"text":"But it seems to be going well.","start_word":506,"end_word":512,"sentiment":"positive","sentiment_score":0.3980401754379273},{"text":"Yeah. Yeah. Yeah. Overall, I'm looking at it and there's it's cleared still like a a 10% return after fee, which Yep. for your growth risk profile, we're kind of aiming for, like, nine to 10% average anyway, even Mhmm. with the world on fire and the market kind of going up and down like a yo yo. Yeah. I know. Yeah. It's crazy at the moment. Hey. It is. It is. So one of the things that I was looking at is that because we've got you scheduled in for your next annual review in about six or seven months time, because that Mhmm. had expired, I kinda just wanted to run through, I guess, the logic behind it and see if there was a reason to change anything or just to kind of let it run for another six months. Yeah. Look. I mean, if everything's going well and I'm getting returns and stuff, I would probably just keep it going. Yeah. And, you know, it seems to be working for me. I sort of understand what's going on with it. I don't yeah. And like I say, I'm one of them people that don't rock the boat. So and, yeah, I'd probably just stay on with it and keep going. Yeah.","start_word":513,"end_word":726,"sentiment":"neutral","sentiment_score":0.033079484878020864},{"text":"Yeah. That's totally cool.","start_word":727,"end_word":730,"sentiment":"positive","sentiment_score":0.6462253332138062},{"text":"And just to kind of let you know, I guess, the differences between what you've got and what was being recommended just so you can make an informed decision, Mhmm. your portfolio that we built for you has about eight different investment options in there. So that's all those Mhmm. trade summaries you're seeing is buying Oh, and yes. selling those different ETFs, if that rings a bell. Yep. Yep. So the difference really, when you put an SMA, we kind of call it a bit of a bubble. It kind of wraps a bubble around your portfolio, and it puts it on like a lower fee menu within hub 24, but gives you access to the same investments. The Okay. other thing that it kind of does is it just allows, like, and in conjunction with BlackRock, our ability to kind of update your investments throughout the year without having to go through that when we do the annual review, giving you a full new statement of advice every time we wanna change an option. Okay. Okay? So the only option that's really been kind of dragging a little bit for you, there's a Benelon Australian shares option, which hasn't been doing too well, but all the rest Mhmm.","start_word":731,"end_word":940,"sentiment":"neutral","sentiment_score":0.10892625898122787},{"text":"of them have been soaring up pretty fantastic. And overall, like you've seen, the performance has been pretty good.","start_word":941,"end_word":959,"sentiment":"positive","sentiment_score":0.5021742582321167},{"text":"Yep. So if you're kind of comfortable with how that's going, like, we don't have to switch the structure around. It's basically just a way to reduce the fees a bit and get it moving a little bit quicker. But, look, I don't see any major issues with what you've got that's been doing really well. We did have Mhmm. some concerns about just with the inflation and everything picking up at the moment that there's a few investments we'd like to kind of mix in over Yeah. time, but that Yep. can always be something that we can discuss in your next review as well. Yeah. Okay. Yeah. Yeah. Probably leave everything as it is, and then we'll discuss again in my Mhmm. next review, if that's alright. Yeah.","start_word":960,"end_word":1089,"sentiment":"neutral","sentiment_score":0.08450859177571077},{"text":"Yeah. Totally fine. Happy to be guided by you.","start_word":1090,"end_word":1098,"sentiment":"positive","sentiment_score":0.7355853319168091},{"text":"And was there anything else, like, in the interim that you were looking for advice for, whether it be investment, cash flow, debt, insurance, anything that we need to address No. Touch wood, dare I say, I'm actually traveling okay, before the review? which That's makes good me to a bit hear. worried. You're thinking something's around the corner, surely? Yeah. Yeah. You know, like, yeah, you you that puts you into a full sense of security. Like, I'm going okay, so Mhmm. what's gonna go wrong? I mean, not. Yeah. So now I'm just gonna I'm just gonna not rock the boat.","start_word":1099,"end_word":1201,"sentiment":"neutral","sentiment_score":0.08585237711668015},{"text":"And, yeah, like I said, like, yeah, my HOPE24 is doing well, and I seem to be doing okay everywhere else.","start_word":1202,"end_word":1222,"sentiment":"positive","sentiment_score":0.34830689430236816},{"text":"Yeah. Yeah. I'd like to say I'm comfortable in inverted commas. Mhmm.","start_word":1223,"end_word":1234,"sentiment":"neutral","sentiment_score":0.07114600390195847},{"text":"Fantastic.","start_word":1235,"end_word":1235,"sentiment":"positive","sentiment_score":0.4057632386684418},{"text":"Well, hopefully, that continues on for a bit longer still, and we Yeah. can all I hope touch wood so. on both ends of the phone. Yep. I mean, I'm having I'd like a look to win at the lottery, your but I mean, we've always got that as a long term goal, but we I can't provide you a recommendation on that right now. But when I find out, I'll let you know. Yes, please. The only thing I was gonna quickly just touch base with you on is your your NAS insurances. They have a policy anniversary on the June 28. So that's when Yes. you'll I've cover had an kind email, of actually. I read the email yesterday. They've given me an update about my premiums and all of that. So they sent me two emails, though. So I need to print one off and then just see whether they've duplicated. I think I think it's a duplication email, but, yeah, they have sent me, like, the the renewal and stuff for the June. Yeah. Yeah.","start_word":1236,"end_word":1414,"sentiment":"neutral","sentiment_score":0.04153221572733708},{"text":"Cool.","start_word":1415,"end_word":1415,"sentiment":"positive","sentiment_score":0.4470447897911072},{"text":"Okay. So that'll just be the the life keeping the income protection will come out from the hub super in about Yep. a month's time. Yep. And the one that kind of looked a bit weird for me, I just wanted to get your opinion on this because my we've got a new system, and Yep.","start_word":1416,"end_word":1471,"sentiment":"neutral","sentiment_score":-0.007059270516037941},{"text":"I can't make sense of it.","start_word":1472,"end_word":1477,"sentiment":"negative","sentiment_score":-0.549908459186554},{"text":"I have, like, a a trauma policy, which is like an out of pocket monthly cost for, like, heart attack, stroke, and cancer. Do you remember putting that in place about three years ago? I do. Yes. Seve when I set up all all of this, Seve said to me it was probably a good idea because my whatever I get, like, my total disability and that, if I was to Mhmm. be injured, that doesn't cover like, I I come a nurse. So if I had a stroke, I probably wouldn't be able to go back to work. So then that and, like, the total deficit or whatever, the benefit, whatever, that doesn't cover it. So he said to put trauma in as an extra thing because, like, obviously, I've got quite a intense job and, you know, like, I I can't really do anything else if anything happened to me. So, yeah, I remember him setting that up for me Yeah. as a as a safety net just in case something else did happen. Yeah.","start_word":1478,"end_word":1654,"sentiment":"neutral","sentiment_score":-0.10890644043684006},{"text":"Perfect.","start_word":1655,"end_word":1655,"sentiment":"positive","sentiment_score":0.5610724687576294},{"text":"And are you still okay with those Anavo three premiums out of pocket? It's not jumped up too much, has it? No. I think it's I think that's the one that I looked at yesterday, and I think it's gone up to about $76 a month, which, I mean, I don't really see that that's an Okay. Yep. I'll I'll have to keep a bit of an eye on that one because the original plan schedule, it just looked a issue. bit strange to me because it had, like, a a premium due date of, like, 06/28/2023, and I thought that it had been either, like, canceled straight away or if it was still running. So I just wanted to just quickly run it by you. Yeah. Yeah. Like I said, I had the email yesterday, and and I've just finished night shift this morning. So I need to just have a few days off, and I'll go through all my emails and double check everything and and whatnot. So I will I will look back into that, but I imagine it's just all about the same. And I think I started off paying, like, $50.53 dollars or something, and I think, like I said, it's gone up to about 76, which I imagine, you know, how they get you when you've got older and you've got more ailments and stuff. Like, I imagine it's all just to do with that. But I will look into it in the next few days, and if there's anything, I'll give you a callback. Yeah.","start_word":1656,"end_word":1917,"sentiment":"neutral","sentiment_score":-0.07853427165337191},{"text":"That'll be fantastic.","start_word":1918,"end_word":1920,"sentiment":"positive","sentiment_score":0.3984120786190033},{"text":"And if we don't hear from you, we'll obviously package all of it up for that annual review discussion, and we'll do a bit of a deep dive then as well. Yes. Sounds good. Alrighty. Okay, Amanda.","start_word":1921,"end_word":1957,"sentiment":"neutral","sentiment_score":0.1846812218427658},{"text":"That's totally fine.","start_word":1958,"end_word":1960,"sentiment":"positive","sentiment_score":0.3981502652168274},{"text":"I'll make sure those documents from the the previous SMA recommendation are voided, and I've got it all scheduled in to contact you about a month out from your annual review just to see if there's been any changes and get you booked in with one of our advisers. Is Yep. there anything Perfect. else I can do for you today? No. I don't think so. Like I said, I've I've in in inverted commas, I'm traveling well. No.","start_word":1961,"end_word":2039,"sentiment":"neutral","sentiment_score":0.11309941858053207},{"text":"That's fantastic to hear. And look, I do appreciate you taking the time with me today.","start_word":2040,"end_word":2055,"sentiment":"positive","sentiment_score":0.4509629309177398},{"text":"No. Thank you for your time too. Yeah.","start_word":2056,"end_word":2063,"sentiment":"neutral","sentiment_score":0.23665615916252136},{"text":"You have a good day. You too, Amanda.","start_word":2064,"end_word":2071,"sentiment":"positive","sentiment_score":0.7082981467247009},{"text":"And we'll we'll talk to you in a few months. Yeah.","start_word":2072,"end_word":2082,"sentiment":"neutral","sentiment_score":0.2758788466453552},{"text":"No worries. All good. Thank you. See you later. Thank you. Bye.","start_word":2083,"end_word":2094,"sentiment":"positive","sentiment_score":0.5830557942390442},{"text":"Bye bye.","start_word":2095,"end_word":2096,"sentiment":"neutral","sentiment_score":0.1897192895412445}],"average":{"sentiment":"neutral","sentiment_score":0.07004792029116334}}}}