{"metadata":{"transaction_key":"deprecated","request_id":"01a114a1-6b6e-7ae1-9d5f-96957d05db06","sha256":"f4a7f83a351c269588a5928aed3cadbcaf49f986962d447cb0f976d795366fbb","created":"2026-10-07T04:31:27.226Z","duration":619.99194,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2294,"output_tokens":77},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2553,"output_tokens":2558},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2553,"output_tokens":96}},"results":{"channels":[{"alternatives":[{"transcript":"No. That is okay. Call just cut out for a second. Have you got me loud and clear? That's no worries at all. No worries at all. To 7,291 per month, that would cover the percentage of your income. So if I look at it in terms of the 70%, that gets you back to your income of a 125,000. What I was sort of thinking was we'd kind of bounced between a 125,000, a 140,000, and we had done some pre assessments with you. I'm just wondering what you would prefer to protect. 100 and 25,000 income or one 40? Yep. Right. Soar and battery business. Okay. Okay. Okay. So I'm just having a look. You were doing electrician work at the time. Perfect. Now for the soar and battery business, what kind of duties do you do within the business? Yep. So a little bit on the tools, a little bit of office stuff. When you go on the tools, is it pretty similar electrical work to what you were doing before? Is it way different? Working director. We've got similar work. Let's say... What what would you kind of proportion the tools versus the office side? Fifty fifty, eighty twenty. 60% tools, 40% on the office. Perfect. So what I'll do, the way I kind of position it with the insurance, so they would probably still rate you as, like, that that electrician type occupation rating unless it was, like, a 90% in the office kind of thing. So there wouldn't be any change. The only thing I'd have to run by them is in terms of stability of income. The good thing is it's a similar, like, similar industry. Right? Similar qualifications, similar industry. So I'll give them a call and double check with them, but they might be like... Because it's an indemnity policy. What generally happens is when you go to claim, you basically tell them what your income was for the last twelve months, and they give you a percentage on what the income was. So at the moment, it counts the income that you had from the previous employers, and it counts your current income kind of spliced together if that makes sense. Now have you got any... I know it's gonna be a bit hard, but have you got any idea what you would put as your income going forward? 100,000 to $1.20. Alright. So do you want me to go conservative with it and and kind of ensure you're under the 100,000 or the $1.20? What would be safer, do you think? Yep. So if I do that at 70% divided by 12, so the cover amount that we'd be looking for is $583.03 per month, and that way you're not overpaying for something that you can't claim on. Does that sound alright? Cool. So won't change any waiting periods, benefit periods. That's all good. The other thing I wanted to run by you is because you're currently insured with ClearView. Now there are one, two, three, four insurers who are currently offering cheaper cover for an electrician than ClearView are. Yep. There is a slight difference in the the quality of the policy, which is my only point where I wanted to run it by you. So there is an insurer there where it's like another maybe $5.06, $700 less per year. I'll redo the quotes for the new income, but the things that you would kind of lose... So when you've got life insurance, you get a lump sum. When you have TPD insurance and, you know, you break your back, you get a lump sum. You know how income protection is kind of like a monthly payment if you gotta work for, like, six months? Well, in terms of features, so the current provider has a feature where if you were to pass away, they would combine, like, a few months of income protection as a death benefit on top of the life insurance. Whereas the new provider, it more pays a payment if you have, like, a heart attack, a stroke, or a cancer. So what I'm sort of thinking is if 500,000 of life insurance covers you for what you need, the new provider might be better because it'll pay you for things like if you have a heart attack, which you're not currently protected for. K? So what I'll do is I'll just run by the the insurer the quotes to see if they're okay with the self employed. I'll put that together in the plan and show you the exact differences in a table between the current policy and the new one. And that way, if there's anything that jumps out at you as an issue, we can kind of talk about it before we change anything. How's that sound? Cool. The other thing I'm gonna do is I've got the research back for the super portfolio. You know, we'll try to go a little bit more aggressive with it. Instead of, like, 90% growth assets, we're gonna bump you up to, like, 98, a 100. Correct. So I've found a couple there that would get us back up to, like, the 100 percent, and you'd... The returns kinda go from, like, a 9% average up to, like, an 11% average. I'm just double checking any capital gains tax issues to make sure there's no big fees or anything, but that's kind of where I'm leaning towards at the moment that I was gonna mix into the new strategy. I don't have that in front of me. Sorry. I only have the the research that we did, the the nine percent average versus the 11%. I know the last twelve months, it was a bit... Well, stock market's dropped a couple of times. So I would wager it's a bit flat at the moment, the last twelve months. But when I put together the plan with the insurances and the super, that's another thing that you can look through and say, look. I'm happy to move from this portfolio to that portfolio or not. And then you can write into the box. Yes. Go ahead with it. No. Don't go ahead with it. Beautiful. Alrighty. So give me a couple of days for the team to just run by a couple of the insurers for the self employment, and I should have that back to you. I can either email it through to you next week, or we can just book in for a quick call to go through any questions together. What would you prefer? Yeah. Absolutely. Yeah. Absolutely. Absolutely. I'm currently having a look at it at the moment. I'll just see if I can pull it up because, again, reports take a bit of time to generate, but at least a dashboard I can grab you. But yep. Perfect. Now I'm a little bit... I've got a couple of spaces next week. How are you going for availability? Is it pretty rough to get you next week? Or I do have a really good slot next Friday around kind of, let's say... Well, actually, I've got a heaps of slots free next Friday. Just let me work. But you're in WA, aren't you? Next Friday. Correct. So next Friday, I've got anywhere between two hours difference, 09:30 your time, all the way up until midday. Midday. Alright. So I'll do midday SOA, and I'll include the insurance, new portfolio, and some figures for... Since you've been a client, let's say, the last four years or so. Awesome. Any questions for me at this point? Cool. Alrighty. I will get to it, mate, and I shall talk to you next Friday. Thank you so much for your time. Talk to you then. 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That is okay. Call just cut out for a second. Have you got me loud and clear? That's no worries at all.\n\nNo worries at all. To 7,291 per month, that would cover the percentage of your income. So if I look at it in terms of the 70%, that gets you back to your income of a 125,000. What I was sort of thinking was we'd kind of bounced between a 125,000, a 140,000, and we had done some pre assessments with you. I'm just wondering what you would prefer to protect.\n\n100 and 25,000 income or one 40? Yep. Right. Soar and battery business. Okay.\n\nOkay. Okay. So I'm just having a look. You were doing electrician work at the time. Perfect.\n\nNow for the soar and battery business, what kind of duties do you do within the business? Yep. So a little bit on the tools, a little bit of office stuff. When you go on the tools, is it pretty similar electrical work to what you were doing before? Is it way different?\n\nWorking director. We've got similar work. Let's say... What what would you kind of proportion the tools versus the office side? Fifty fifty, eighty twenty.\n\n60% tools, 40% on the office. Perfect. So what I'll do, the way I kind of position it with the insurance, so they would probably still rate you as, like, that that electrician type occupation rating unless it was, like, a 90% in the office kind of thing. So there wouldn't be any change. The only thing I'd have to run by them is in terms of stability of income.\n\nThe good thing is it's a similar, like, similar industry. Right? Similar qualifications, similar industry. So I'll give them a call and double check with them, but they might be like... Because it's an indemnity policy.\n\nWhat generally happens is when you go to claim, you basically tell them what your income was for the last twelve months, and they give you a percentage on what the income was. So at the moment, it counts the income that you had from the previous employers, and it counts your current income kind of spliced together if that makes sense. Now have you got any... I know it's gonna be a bit hard, but have you got any idea what you would put as your income going forward? 100,000 to $1.20.\n\nAlright. So do you want me to go conservative with it and and kind of ensure you're under the 100,000 or the $1.20? What would be safer, do you think? Yep. So if I do that at 70% divided by 12, so the cover amount that we'd be looking for is $583.03 per month, and that way you're not overpaying for something that you can't claim on.\n\nDoes that sound alright? Cool. So won't change any waiting periods, benefit periods. That's all good. The other thing I wanted to run by you is because you're currently insured with ClearView.\n\nNow there are one, two, three, four insurers who are currently offering cheaper cover for an electrician than ClearView are. Yep. There is a slight difference in the the quality of the policy, which is my only point where I wanted to run it by you. So there is an insurer there where it's like another maybe $5.06, $700 less per year. I'll redo the quotes for the new income, but the things that you would kind of lose...\n\nSo when you've got life insurance, you get a lump sum. When you have TPD insurance and, you know, you break your back, you get a lump sum. You know how income protection is kind of like a monthly payment if you gotta work for, like, six months? Well, in terms of features, so the current provider has a feature where if you were to pass away, they would combine, like, a few months of income protection as a death benefit on top of the life insurance. Whereas the new provider, it more pays a payment if you have, like, a heart attack, a stroke, or a cancer.\n\nSo what I'm sort of thinking is if 500,000 of life insurance covers you for what you need, the new provider might be better because it'll pay you for things like if you have a heart attack, which you're not currently protected for. K? So what I'll do is I'll just run by the the insurer the quotes to see if they're okay with the self employed. I'll put that together in the plan and show you the exact differences in a table between the current policy and the new one. And that way, if there's anything that jumps out at you as an issue, we can kind of talk about it before we change anything.\n\nHow's that sound? Cool. The other thing I'm gonna do is I've got the research back for the super portfolio. You know, we'll try to go a little bit more aggressive with it. Instead of, like, 90% growth assets, we're gonna bump you up to, like, 98, a 100.\n\nCorrect. So I've found a couple there that would get us back up to, like, the 100 percent, and you'd... The returns kinda go from, like, a 9% average up to, like, an 11% average. I'm just double checking any capital gains tax issues to make sure there's no big fees or anything, but that's kind of where I'm leaning towards at the moment that I was gonna mix into the new strategy. I don't have that in front of me.\n\nSorry. I only have the the research that we did, the the nine percent average versus the 11%. I know the last twelve months, it was a bit... Well, stock market's dropped a couple of times. So I would wager it's a bit flat at the moment, the last twelve months.\n\nBut when I put together the plan with the insurances and the super, that's another thing that you can look through and say, look. I'm happy to move from this portfolio to that portfolio or not. And then you can write into the box. Yes. Go ahead with it.\n\nNo. Don't go ahead with it. Beautiful. Alrighty. So give me a couple of days for the team to just run by a couple of the insurers for the self employment, and I should have that back to you.\n\nI can either email it through to you next week, or we can just book in for a quick call to go through any questions together. What would you prefer? Yeah. Absolutely. Yeah.\n\nAbsolutely. Absolutely. I'm currently having a look at it at the moment. I'll just see if I can pull it up because, again, reports take a bit of time to generate, but at least a dashboard I can grab you. But yep.\n\nPerfect. Now I'm a little bit... I've got a couple of spaces next week. How are you going for availability? Is it pretty rough to get you next week?\n\nOr I do have a really good slot next Friday around kind of, let's say... Well, actually, I've got a heaps of slots free next Friday. Just let me work. But you're in WA, aren't you? Next Friday.\n\nCorrect. So next Friday, I've got anywhere between two hours difference, 09:30 your time, all the way up until midday. Midday. Alright. So I'll do midday SOA, and I'll include the insurance, new portfolio, and some figures for...\n\nSince you've been a client, let's say, the last four years or so. Awesome. Any questions for me at this point? Cool. Alrighty.\n\nI will get to it, mate, and I shall talk to you next Friday. Thank you so much for your time. Talk to you then. Bye.","paragraphs":[{"sentences":[{"text":"No.","start":4.16,"end":4.48,"sentiment":"neutral","sentiment_score":-0.1883447617292404},{"text":"That is okay.","start":4.48,"end":5.2,"sentiment":"neutral","sentiment_score":-0.03416521226366361},{"text":"Call just cut out for a second.","start":5.2,"end":6.48,"sentiment":"neutral","sentiment_score":0.024467462673783302},{"text":"Have you got me loud and clear?","start":6.48,"end":8.42,"sentiment":"neutral","sentiment_score":0.019995562599173615},{"text":"That's no worries at all.","start":15.725,"end":17.105,"sentiment":"neutral","sentiment_score":-0.06620218940079212}],"sentiment":"neutral","sentiment_score":-0.013504789939717106,"num_words":23,"start":4.16,"end":17.105},{"sentences":[{"text":"No worries at all.","start":18.445,"end":19.665,"sentiment":"neutral","sentiment_score":-0.005620016250759363},{"text":"To 7,291 per month, that would cover the percentage of your 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look.","start":83.96001,"end":86.36,"sentiment":"neutral","sentiment_score":0.0665234811604023},{"text":"You were doing electrician work at the time.","start":86.36,"end":89.420006,"sentiment":"neutral","sentiment_score":0.03298679646104574},{"text":"Perfect.","start":91.560005,"end":92.060005,"sentiment":"neutral","sentiment_score":0.3264559209346771}],"sentiment":"neutral","sentiment_score":0.06442621569423114,"num_words":17,"start":83.240005,"end":92.060005},{"sentences":[{"text":"Now for the soar and battery business, what kind of duties do you do within the business?","start":92.12,"end":96.705,"sentiment":"neutral","sentiment_score":0.08646522089838982},{"text":"Yep.","start":111.745,"end":112.245,"sentiment":"neutral","sentiment_score":0.07215043902397156},{"text":"So a little bit on the tools, a little bit of office stuff.","start":112.305,"end":114.159996,"sentiment":"neutral","sentiment_score":0.038231887926275916},{"text":"When you go on the tools, is it pretty similar electrical work to what you were doing before?","start":114.159996,"end":117.759995,"sentiment":"neutral","sentiment_score":0.03351922488460938},{"text":"Is it way different?","start":117.759995,"end":118.82,"sentiment":"neutral","sentiment_score":0.028324108570814133}],"sentiment":"neutral","sentiment_score":0.051994645651781336,"num_words":53,"start":92.12,"end":118.82},{"sentences":[{"text":"Working director.","start":121.119995,"end":122.18,"sentiment":"neutral","sentiment_score":0.011119293048977852},{"text":"We've got similar work.","start":122.88,"end":124.399994,"sentiment":"neutral","sentiment_score":0.021770031191408634},{"text":"Let's say...","start":124.399994,"end":125.065,"sentiment":"neutral","sentiment_score":0.010788843967020512},{"text":"What what would you kind of proportion the tools versus the office side?","start":125.065,"end":128.36499,"sentiment":"neutral","sentiment_score":0.015656233836825077},{"text":"Fifty fifty, eighty twenty.","start":129.065,"end":130.765,"sentiment":"neutral","sentiment_score":0.016363023314625025}],"sentiment":"neutral","sentiment_score":0.015995181277394296,"num_words":25,"start":121.119995,"end":130.765},{"sentences":[{"text":"60% tools, 40% on the office.","start":136.66501,"end":140.55,"sentiment":"neutral","sentiment_score":0.18659860640764236},{"text":"Perfect.","start":142.29001,"end":142.79001,"sentiment":"positive","sentiment_score":0.7308497428894043},{"text":"So what I'll do, the way I kind of position it with the insurance, so they would probably still rate you as, like, that that electrician type occupation rating unless it was, like, a 90% in the office kind of thing.","start":143.33,"end":156.715,"sentiment":"neutral","sentiment_score":0.17030458134122012},{"text":"So there wouldn't be any change.","start":156.715,"end":158.415,"sentiment":"neutral","sentiment_score":0.017307327439387638},{"text":"The only thing I'd have to run by them is in terms of stability of income.","start":158.875,"end":164.415,"sentiment":"neutral","sentiment_score":0.12688091676682234}],"sentiment":"neutral","sentiment_score":0.15666954070329667,"num_words":70,"start":136.66501,"end":164.415},{"sentences":[{"text":"The good thing is it's a similar, like, similar industry.","start":164.555,"end":168.0,"sentiment":"positive","sentiment_score":0.36310848742723467},{"text":"Right?","start":168.0,"end":168.5,"sentiment":"neutral","sentiment_score":0.1890965849161148},{"text":"Similar qualifications, similar industry.","start":170.56,"end":172.48,"sentiment":"neutral","sentiment_score":0.11171417497098446},{"text":"So I'll give them a call and double check with them, but they might be like...","start":172.48,"end":175.2,"sentiment":"neutral","sentiment_score":0.07639018725603819},{"text":"Because it's an indemnity policy.","start":175.2,"end":176.72,"sentiment":"neutral","sentiment_score":0.04013502448797226}],"sentiment":"neutral","sentiment_score":0.15805434104469088,"num_words":36,"start":164.555,"end":176.72},{"sentences":[{"text":"What generally happens is when you go to claim, you basically tell them what your income was for the last twelve months, and they give you a percentage on what the income was.","start":176.72,"end":185.865,"sentiment":"neutral","sentiment_score":0.05027232714223139},{"text":"So at the moment, it counts the income that you had from the previous employers, and it counts your current income kind of spliced together if that makes sense.","start":187.60501,"end":195.61,"sentiment":"neutral","sentiment_score":0.07775859586123762},{"text":"Now have you got any...","start":197.03,"end":198.39,"sentiment":"neutral","sentiment_score":0.06119036301970482},{"text":"I know it's gonna be a bit hard, but have you got any idea what you would put as your income going forward?","start":198.39,"end":203.835,"sentiment":"neutral","sentiment_score":-0.024435483162169872},{"text":"100,000 to $1.20.","start":218.07501,"end":220.14,"sentiment":"neutral","sentiment_score":0.017929870635271072}],"sentiment":"neutral","sentiment_score":0.03991087516068771,"num_words":93,"start":176.72,"end":220.14},{"sentences":[{"text":"Alright.","start":221.8,"end":222.2,"sentiment":"neutral","sentiment_score":0.10340108722448348},{"text":"So do you want me to go conservative with it and and kind of ensure you're under the 100,000 or the $1.20?","start":222.2,"end":227.56,"sentiment":"neutral","sentiment_score":0.03355490577153184},{"text":"What would be safer, do you think?","start":227.56,"end":229.18,"sentiment":"neutral","sentiment_score":-0.04152179615838187},{"text":"Yep.","start":232.12,"end":232.51999,"sentiment":"neutral","sentiment_score":0.13748548924922943},{"text":"So if I do that at 70% divided by 12, so the cover amount that we'd be looking for is $583.03 per month, and that way you're not overpaying for something that you can't claim on.","start":232.51999,"end":244.705,"sentiment":"neutral","sentiment_score":0.12734412795139682}],"sentiment":"neutral","sentiment_score":0.07869896323267203,"num_words":67,"start":221.8,"end":244.705},{"sentences":[{"text":"Does that sound alright?","start":245.805,"end":246.785,"sentiment":"neutral","sentiment_score":0.13018068298697472},{"text":"Cool.","start":248.045,"end":248.285,"sentiment":"positive","sentiment_score":0.46771204471588135},{"text":"So won't change any waiting periods, benefit periods.","start":248.285,"end":250.59,"sentiment":"neutral","sentiment_score":0.21744499541819096},{"text":"That's all good.","start":250.59,"end":251.54999,"sentiment":"positive","sentiment_score":0.5866556962331136},{"text":"The other thing I wanted to run by you is because you're currently insured with ClearView.","start":251.54999,"end":257.00998,"sentiment":"neutral","sentiment_score":0.13367696711793542}],"sentiment":"neutral","sentiment_score":0.20708729070611298,"num_words":32,"start":245.805,"end":257.00998},{"sentences":[{"text":"Now there are one, two, three, four insurers who are currently offering cheaper cover for an electrician than ClearView are.","start":258.19,"end":267.17502,"sentiment":"neutral","sentiment_score":0.05523212275002152},{"text":"Yep.","start":272.99503,"end":273.475,"sentiment":"neutral","sentiment_score":0.1454242616891861},{"text":"There is a slight difference in the the quality of the policy, which is my only point where I wanted to run it by you.","start":273.475,"end":280.02002,"sentiment":"neutral","sentiment_score":-0.1680491116642952},{"text":"So there is an insurer there where it's like another maybe $5.06, $700 less per year.","start":280.16,"end":287.54,"sentiment":"neutral","sentiment_score":-0.10812942124903202},{"text":"I'll redo the quotes for the new income, but the things that you would kind of lose...","start":287.92,"end":291.825,"sentiment":"neutral","sentiment_score":-0.08073989762102857}],"sentiment":"neutral","sentiment_score":-0.07663050727164254,"num_words":79,"start":258.19,"end":291.825},{"sentences":[{"text":"So when you've got life insurance, you get a lump sum.","start":291.825,"end":296.005,"sentiment":"neutral","sentiment_score":-0.04753398285670714},{"text":"When you have TPD insurance and, you know, you break your back, you get a lump sum.","start":296.305,"end":300.065,"sentiment":"neutral","sentiment_score":-0.01249505195985822},{"text":"You know how income protection is kind of like a monthly payment if you gotta work for, like, six months?","start":300.065,"end":305.1,"sentiment":"neutral","sentiment_score":-0.03624406792223454},{"text":"Well, in terms of features, so the current provider has a feature where if you were to pass away, they would combine, like, a few months of income protection as a death benefit on top of the life insurance.","start":306.86002,"end":320.24,"sentiment":"neutral","sentiment_score":-0.05065946280956268},{"text":"Whereas the new provider, it more pays a payment if you have, like, a heart attack, a stroke, or a cancer.","start":320.885,"end":327.225,"sentiment":"neutral","sentiment_score":-0.15522767993665876}],"sentiment":"neutral","sentiment_score":-0.061996957235452205,"num_words":108,"start":291.825,"end":327.225},{"sentences":[{"text":"So what I'm sort of thinking is if 500,000 of life insurance covers you for what you need, the new provider might be better because it'll pay you for things like if you have a heart attack, which you're not currently protected for.","start":333.365,"end":344.56,"sentiment":"neutral","sentiment_score":-0.02133465116453725},{"text":"K?","start":347.34,"end":347.775,"sentiment":"neutral","sentiment_score":0.061096008867025375},{"text":"So what I'll do is I'll just run by the the insurer the quotes to see if they're okay with the self employed.","start":347.85498,"end":354.195,"sentiment":"neutral","sentiment_score":0.1722361587959787},{"text":"I'll put that together in the plan and show you the exact differences in a table between the current policy and the new one.","start":354.655,"end":361.2,"sentiment":"neutral","sentiment_score":0.16865966810534397},{"text":"And that way, if there's anything that jumps out at you as an issue, we can kind of talk about it before we change anything.","start":361.2,"end":366.64,"sentiment":"neutral","sentiment_score":0.1517768868803978}],"sentiment":"neutral","sentiment_score":0.09437406782446237,"num_words":116,"start":333.365,"end":366.64},{"sentences":[{"text":"How's that sound?","start":366.64,"end":367.54,"sentiment":"neutral","sentiment_score":0.15971640745798746},{"text":"Cool.","start":369.52002,"end":370.02002,"sentiment":"positive","sentiment_score":0.4867401421070099},{"text":"The other thing I'm gonna do is I've got the research back for the super portfolio.","start":370.08002,"end":374.1,"sentiment":"neutral","sentiment_score":0.22010371182113886},{"text":"You know, we'll try to go a little bit more aggressive with it.","start":374.645,"end":376.965,"sentiment":"neutral","sentiment_score":0.09199581352564004},{"text":"Instead of, like, 90% growth assets, we're gonna bump you up to, like, 98, a 100.","start":376.965,"end":381.225,"sentiment":"neutral","sentiment_score":0.13297508819960058}],"sentiment":"neutral","sentiment_score":0.15941011715604333,"num_words":49,"start":366.64,"end":381.225},{"sentences":[{"text":"Correct.","start":398.34,"end":398.805,"sentiment":"positive","sentiment_score":0.4228501319885254},{"text":"So I've found a couple there that would get us back up to, like, the 100 percent, and you'd...","start":399.04498,"end":405.125,"sentiment":"positive","sentiment_score":0.5007637049022474},{"text":"The returns kinda go from, like, a 9% average up to, like, an 11% average.","start":405.125,"end":409.38498,"sentiment":"neutral","sentiment_score":0.28232044776280724},{"text":"I'm just double checking any capital gains tax issues to make sure there's no big fees or anything, but that's kind of where I'm leaning towards at the moment that I was gonna mix into the new strategy.","start":409.445,"end":418.71002,"sentiment":"neutral","sentiment_score":0.2745383456349373},{"text":"I don't have that in front of me.","start":425.33002,"end":426.69,"sentiment":"neutral","sentiment_score":-0.16759075969457626}],"sentiment":"neutral","sentiment_score":0.2872086209647449,"num_words":81,"start":398.34,"end":426.69},{"sentences":[{"text":"Sorry.","start":426.69,"end":427.01,"sentiment":"neutral","sentiment_score":-0.1371070295572281},{"text":"I only have the the research that we did, the the nine percent average versus the 11%.","start":427.01,"end":431.815,"sentiment":"neutral","sentiment_score":-0.043932916651315546},{"text":"I know the last twelve months, it was a bit...","start":432.515,"end":434.435,"sentiment":"neutral","sentiment_score":-0.061772645637393},{"text":"Well, stock market's dropped a couple of times.","start":434.435,"end":436.535,"sentiment":"negative","sentiment_score":-0.39967777021229267},{"text":"So I would wager it's a bit flat at the moment, the last twelve months.","start":436.595,"end":440.375,"sentiment":"neutral","sentiment_score":-0.3304671376943588}],"sentiment":"neutral","sentiment_score":-0.1893357312964166,"num_words":51,"start":426.69,"end":440.375},{"sentences":[{"text":"But when I put together the plan with the insurances and the super, that's another thing that you can look through and say, look.","start":446.44998,"end":452.37,"sentiment":"neutral","sentiment_score":0.11032052182902892},{"text":"I'm happy to move from this portfolio to that portfolio or not.","start":452.37,"end":455.865,"sentiment":"positive","sentiment_score":0.3553094690044721},{"text":"And then you can write into the box.","start":455.94498,"end":457.705,"sentiment":"neutral","sentiment_score":0.08830026350915432},{"text":"Yes.","start":457.705,"end":457.94498,"sentiment":"neutral","sentiment_score":0.17900371551513672},{"text":"Go ahead with it.","start":457.94498,"end":458.905,"sentiment":"neutral","sentiment_score":0.2039644978940487}],"sentiment":"neutral","sentiment_score":0.1757687748390801,"num_words":49,"start":446.44998,"end":458.905},{"sentences":[{"text":"No.","start":458.905,"end":459.145,"sentiment":"negative","sentiment_score":-0.3395432233810425},{"text":"Don't go ahead with it.","start":459.145,"end":461.085,"sentiment":"negative","sentiment_score":-0.4380838990211487},{"text":"Beautiful.","start":462.66498,"end":463.16498,"sentiment":"positive","sentiment_score":0.5003981590270996},{"text":"Alrighty.","start":463.22498,"end":463.625,"sentiment":"positive","sentiment_score":0.3848779201507568},{"text":"So give me a couple of days for the team to just run by a couple of the insurers for the self employment, and I should have that back to you.","start":463.625,"end":470.36002,"sentiment":"neutral","sentiment_score":0.27895823745958265}],"sentiment":"neutral","sentiment_score":0.1795645826137983,"num_words":39,"start":458.905,"end":470.36002},{"sentences":[{"text":"I can either email it through to you next week, or we can just book in for a quick call to go through any questions together.","start":471.22,"end":476.1,"sentiment":"neutral","sentiment_score":0.1584077259668937},{"text":"What would you prefer?","start":476.1,"end":477.16,"sentiment":"neutral","sentiment_score":0.0857242513448},{"text":"Yeah.","start":492.185,"end":492.585,"sentiment":"neutral","sentiment_score":0.03610275685787201},{"text":"Absolutely.","start":492.585,"end":493.085,"sentiment":"neutral","sentiment_score":0.281872034072876},{"text":"Yeah.","start":502.05,"end":502.45,"sentiment":"neutral","sentiment_score":0.08471287786960602}],"sentiment":"neutral","sentiment_score":0.1473995621005694,"num_words":33,"start":471.22,"end":502.45},{"sentences":[{"text":"Absolutely.","start":502.45,"end":502.95,"sentiment":"positive","sentiment_score":0.3501545786857605},{"text":"Absolutely.","start":503.49,"end":503.99,"sentiment":"positive","sentiment_score":0.5048297643661499},{"text":"I'm currently having a look at it at the moment.","start":504.85,"end":507.09,"sentiment":"neutral","sentiment_score":0.275689060986042},{"text":"I'll just see if I can pull it up because, again, reports take a bit of time to generate, but at least a dashboard I can grab you.","start":507.09,"end":516.145,"sentiment":"neutral","sentiment_score":-0.027784972518150295},{"text":"But yep.","start":517.325,"end":526.56,"sentiment":"neutral","sentiment_score":0.019513800740241997}],"sentiment":"neutral","sentiment_score":0.06840293628296681,"num_words":42,"start":502.45,"end":526.56},{"sentences":[{"text":"Perfect.","start":526.62,"end":527.12,"sentiment":"positive","sentiment_score":0.4575802683830261},{"text":"Now I'm a little bit...","start":527.18,"end":528.56,"sentiment":"neutral","sentiment_score":0.10179227069020272},{"text":"I've got a couple of spaces next week.","start":528.94,"end":531.01996,"sentiment":"neutral","sentiment_score":0.0720639550127089},{"text":"How are you going for availability?","start":531.01996,"end":532.39996,"sentiment":"neutral","sentiment_score":0.04035457223653793},{"text":"Is it pretty rough to get you next week?","start":532.69995,"end":534.62,"sentiment":"neutral","sentiment_score":-0.11140011250972748}],"sentiment":"neutral","sentiment_score":0.026985506302323835,"num_words":29,"start":526.62,"end":534.62},{"sentences":[{"text":"Or I do have a really good slot next Friday around kind of, let's say...","start":534.62,"end":557.93,"sentiment":"neutral","sentiment_score":0.255762888242801},{"text":"Well, actually, I've got a heaps of slots free next Friday.","start":559.82996,"end":562.94995,"sentiment":"neutral","sentiment_score":0.13571220737966624},{"text":"Just let me work.","start":562.94995,"end":563.58997,"sentiment":"neutral","sentiment_score":0.07870803773403168},{"text":"But you're in WA, aren't you?","start":563.58997,"end":565.185,"sentiment":"neutral","sentiment_score":0.00785777085305502},{"text":"Next Friday.","start":569.425,"end":570.225,"sentiment":"neutral","sentiment_score":0.208660289645195}],"sentiment":"neutral","sentiment_score":0.1607520252674524,"num_words":38,"start":534.62,"end":570.225},{"sentences":[{"text":"Correct.","start":570.225,"end":570.725,"sentiment":"neutral","sentiment_score":0.14703093469142914},{"text":"So next Friday, I've got anywhere between two hours difference, 09:30 your time, all the way up until midday.","start":572.225,"end":584.05,"sentiment":"neutral","sentiment_score":0.05968355524696802},{"text":"Midday.","start":586.99,"end":587.49,"sentiment":"neutral","sentiment_score":0.029897306114435196},{"text":"Alright.","start":589.79,"end":590.27,"sentiment":"neutral","sentiment_score":-0.008091624826192856},{"text":"So I'll do midday SOA, and I'll include the insurance, new portfolio, and some figures for...","start":590.27,"end":599.115,"sentiment":"neutral","sentiment_score":0.10090230999048799}],"sentiment":"neutral","sentiment_score":0.076770029618944,"num_words":38,"start":570.225,"end":599.115},{"sentences":[{"text":"Since you've been a client, let's say, the last four years or so.","start":599.255,"end":602.715,"sentiment":"neutral","sentiment_score":0.0056970312904853085},{"text":"Awesome.","start":605.255,"end":605.73505,"sentiment":"positive","sentiment_score":0.6813100576400757},{"text":"Any questions for me at this point?","start":605.73505,"end":607.275,"sentiment":"neutral","sentiment_score":0.28679517975875307},{"text":"Cool.","start":609.41504,"end":609.87,"sentiment":"positive","sentiment_score":0.5212627649307251},{"text":"Alrighty.","start":609.95,"end":610.45,"sentiment":"positive","sentiment_score":0.4783317744731903}],"sentiment":"neutral","sentiment_score":0.16358835922311182,"num_words":23,"start":599.255,"end":610.45},{"sentences":[{"text":"I will get to it, mate, and I shall talk to you next Friday.","start":610.83,"end":613.57,"sentiment":"positive","sentiment_score":0.45114811616284506},{"text":"Thank you so much for your time.","start":616.27,"end":617.55,"sentiment":"positive","sentiment_score":0.802369236946106},{"text":"Talk to you then.","start":617.55,"end":618.27,"sentiment":"positive","sentiment_score":0.4737844243645668},{"text":"Bye.","start":618.27,"end":618.77,"sentiment":"neutral","sentiment_score":-0.11995751410722733}],"sentiment":"positive","sentiment_score":0.5272245564712927,"num_words":26,"start":610.83,"end":618.77}]}}]},{"alternatives":[{"transcript":"Sorry. What? Hello? Yeah. Yeah. Yeah. Sorry. I was just just jumping in my car. So you must have come to the booth and then... Sorry. What? The girl girl. Sorry. Yeah. So sorry. We... We're going back to... So you so you gotta change my income protection from 9,002? Yep. So so just just a quick one. So a few things have changed since I think last we spoke last year. So since start of the PA, I have started my own business. So I'm pretty much no longer working for anyone else. I'm sort of running a a solar and battery business. Yes. Yes. So pretty much, I'm the director. So, like, I do a bit of everything. Like, I I run the team. I go on... I'm sort of paid bill half and half now. A little bit on the close, a little bit on the office and stuff. Yes. Yes. Nah. Similar. Last, we got sixty forty. 60% of tools. 40 on the office. Yep. Yep. Yep. Yes. Alright. Good for you. I mean, roughly, the... I'm still taking a salary from my business, and it will be still the same, roughly around 100 to $1.20 a year. Yep. Let's just go 100. Yep. Yep. You know, if it's a similar sort of benefits and stuff, yeah, why not? Let's change it. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yeah. Sure. Hello. Yep. I'll do that. I'll call what you do. I think the last time I talked to you guys, I... It say I wanna go all 100%. And even I think I was talking to you about regarding borrowing, like, a 10% more or 20% more to invest. Yep. Sure. Just just before we move ahead, what sort of returns have I made last year? Yep. Yep. Yep. Alex. Yep. Not in business. I'm just... Yep. Yeah. Let's let's just let's look in for a a call. And while while on the call, can we just get the sort of numbers that have on May, and the last two, you know, just just be able to run down what's my money doing and stuff so I can make a little bit more clearer. Because everything's sort of going expensive, and I'm just sort of thinking, is it worth continuing with this whole thing on. Yeah? Beautiful. Thanks, man. Yep. No. That's all. No. No. So you you can get... What what we can do, we can leave it leave it to this. And then in the next few days, when we're already on the call, we can go and run everything to us. You know? I'm always doing something. So as you can see here right now, I'm sort of talking, listening to you, doing some meals. So, yeah, I'm I'm I'm I'm mostly available. I'm I'm just about whatever you're free next. We can book it in. Well well. Just just to confirm, not this Friday but next Friday. Right? Beautiful. Sounds good. Yep. Last two meter. Same time. Just a minute. Yep. Yep. Not business. Sounds good. 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What? Hello? Yeah. Yeah.\n\nYeah. Sorry. I was just just jumping in my car. So you must have come to the booth and then... Sorry.\n\nWhat? The girl girl. Sorry. Yeah. So sorry.\n\nWe... We're going back to... So you so you gotta change my income protection from 9,002? Yep. So so just just a quick one.\n\nSo a few things have changed since I think last we spoke last year. So since start of the PA, I have started my own business. So I'm pretty much no longer working for anyone else. I'm sort of running a a solar and battery business. Yes.\n\nYes. So pretty much, I'm the director. So, like, I do a bit of everything. Like, I I run the team. I go on...\n\nI'm sort of paid bill half and half now. A little bit on the close, a little bit on the office and stuff. Yes. Yes. Nah.\n\nSimilar. Last, we got sixty forty. 60% of tools. 40 on the office. Yep.\n\nYep. Yep. Yes. Alright. Good for you.\n\nI mean, roughly, the... I'm still taking a salary from my business, and it will be still the same, roughly around 100 to $1.20 a year. Yep. Let's just go 100. Yep.\n\nYep. You know, if it's a similar sort of benefits and stuff, yeah, why not? Let's change it. Yep. Yep.\n\nYep. Yep. Yes. Yep. Yep.\n\nYeah. Sure. Hello. Yep. I'll do that.\n\nI'll call what you do. I think the last time I talked to you guys, I... It say I wanna go all 100%. And even I think I was talking to you about regarding borrowing, like, a 10% more or 20% more to invest. Yep.\n\nSure. Just just before we move ahead, what sort of returns have I made last year? Yep. Yep. Yep.\n\nAlex. Yep. Not in business. I'm just... Yep.\n\nYeah. Let's let's just let's look in for a a call. And while while on the call, can we just get the sort of numbers that have on May, and the last two, you know, just just be able to run down what's my money doing and stuff so I can make a little bit more clearer. Because everything's sort of going expensive, and I'm just sort of thinking, is it worth continuing with this whole thing on. Yeah?\n\nBeautiful. Thanks, man. Yep. No. That's all.\n\nNo. No. So you you can get... What what we can do, we can leave it leave it to this. And then in the next few days, when we're already on the call, we can go and run everything to us.\n\nYou know? I'm always doing something. So as you can see here right now, I'm sort of talking, listening to you, doing some meals. So, yeah, I'm I'm I'm I'm mostly available. I'm I'm just about whatever you're free next.\n\nWe can book it in. Well well. Just just to confirm, not this Friday but next Friday. Right? Beautiful.\n\nSounds good. Yep. Last two meter. Same time. Just a minute.\n\nYep. Yep. Not business. Sounds good. What?","paragraphs":[{"sentences":[{"text":"Sorry.","start":2.8799999,"end":3.1999998,"sentiment":"neutral","sentiment_score":-0.11664409190416336},{"text":"What?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":-0.07695156335830688},{"text":"Hello?","start":9.12,"end":9.36,"sentiment":"neutral","sentiment_score":0.011289478279650211},{"text":"Yeah.","start":9.36,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.015747930854558945},{"text":"Yeah.","start":9.5199995,"end":9.599999,"sentiment":"neutral","sentiment_score":0.014013541862368584}],"sentiment":"neutral","sentiment_score":-0.030508940853178502,"num_words":5,"start":2.8799999,"end":9.599999},{"sentences":[{"text":"Yeah.","start":9.599999,"end":9.84,"sentiment":"neutral","sentiment_score":-0.00906691886484623},{"text":"Sorry.","start":9.84,"end":10.16,"sentiment":"neutral","sentiment_score":-0.09283903241157532},{"text":"I was just just jumping in my 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sorry.","start":18.724998,"end":19.205,"sentiment":"neutral","sentiment_score":-0.02274281345307827}],"sentiment":"neutral","sentiment_score":-0.033570129657164216,"num_words":8,"start":14.799999,"end":19.205},{"sentences":[{"text":"We...","start":19.205,"end":19.445,"sentiment":"neutral","sentiment_score":-0.00887177512049675},{"text":"We're going back to...","start":19.445,"end":20.085,"sentiment":"neutral","sentiment_score":-0.009216248756274581},{"text":"So you so you gotta change my income protection from 9,002?","start":20.085,"end":23.945,"sentiment":"neutral","sentiment_score":0.018350352617827328},{"text":"Yep.","start":28.5,"end":29.0,"sentiment":"neutral","sentiment_score":0.11755329370498656},{"text":"So so just just a quick one.","start":57.77,"end":60.89,"sentiment":"neutral","sentiment_score":-0.002748078001396997}],"sentiment":"neutral","sentiment_score":0.01060141068107138,"num_words":24,"start":19.205,"end":60.89},{"sentences":[{"text":"So a few things have changed since I think last we spoke last year.","start":60.89,"end":65.55,"sentiment":"neutral","sentiment_score":-0.04052355779068811},{"text":"So since start of the PA, I have started my own business.","start":65.69,"end":70.19,"sentiment":"neutral","sentiment_score":-0.11349325627088547},{"text":"So I'm pretty much no longer working for anyone else.","start":70.65,"end":73.105,"sentiment":"neutral","sentiment_score":-0.20100643560290338},{"text":"I'm sort of running a a solar and battery business.","start":73.105,"end":77.44501,"sentiment":"neutral","sentiment_score":-0.01379096508026123},{"text":"Yes.","start":82.225006,"end":82.725006,"sentiment":"neutral","sentiment_score":0.05885546654462814}],"sentiment":"neutral","sentiment_score":-0.08549717924696335,"num_words":47,"start":60.89,"end":82.725006},{"sentences":[{"text":"Yes.","start":90.06,"end":90.56,"sentiment":"neutral","sentiment_score":0.18376824259757996},{"text":"So pretty much, I'm the 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you.","start":195.675,"end":196.65501,"sentiment":"positive","sentiment_score":0.5544473131497701}],"sentiment":"positive","sentiment_score":0.3356448582240513,"num_words":7,"start":159.00499,"end":196.65501},{"sentences":[{"text":"I mean, roughly, the...","start":205.63,"end":206.83,"sentiment":"neutral","sentiment_score":-0.008049103897064924},{"text":"I'm still taking a salary from my business, and it will be still the same, roughly around 100 to $1.20 a year.","start":206.83,"end":217.105,"sentiment":"neutral","sentiment_score":0.028552468739111315},{"text":"Yep.","start":220.685,"end":221.185,"sentiment":"neutral","sentiment_score":0.09129717200994492},{"text":"Let's just go 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do that.","start":367.97,"end":368.69,"sentiment":"neutral","sentiment_score":0.23802192012468973}],"sentiment":"neutral","sentiment_score":0.15284804786954606,"num_words":7,"start":345.36,"end":368.69},{"sentences":[{"text":"I'll call what you do.","start":368.69,"end":370.0,"sentiment":"neutral","sentiment_score":0.23272645175457002},{"text":"I think the last time I talked to you guys, I...","start":382.165,"end":384.565,"sentiment":"neutral","sentiment_score":0.08095171438022093},{"text":"It say I wanna go all 100%.","start":384.565,"end":386.585,"sentiment":"neutral","sentiment_score":0.15054274776152202},{"text":"And even I think I was talking to you about regarding borrowing, like, a 10% more or 20% more to 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just...","start":461.705,"end":462.445,"sentiment":"neutral","sentiment_score":-0.1449662148952484},{"text":"Yep.","start":468.905,"end":469.405,"sentiment":"neutral","sentiment_score":0.23632699251174927}],"sentiment":"neutral","sentiment_score":-0.12531862268224359,"num_words":8,"start":444.91,"end":469.405},{"sentences":[{"text":"Yeah.","start":475.56,"end":475.72,"sentiment":"neutral","sentiment_score":0.130965918302536},{"text":"Let's let's just let's look in for a a call.","start":475.72,"end":480.14,"sentiment":"neutral","sentiment_score":0.0751098956912756},{"text":"And while while on the call, can we just get the sort of numbers that have on May, and the last two, you know, just just be able to run down what's my money doing and stuff so I can make a little bit more clearer.","start":480.28,"end":493.965,"sentiment":"neutral","sentiment_score":-0.0019450362812241785},{"text":"Because everything's sort of going expensive, and I'm just sort of thinking, is it worth continuing with this whole thing on.","start":493.965,"end":501.245,"sentiment":"neutral","sentiment_score":-0.11339018830940836},{"text":"Yeah?","start":501.245,"end":501.745,"sentiment":"neutral","sentiment_score":0.016548505052924156}],"sentiment":"neutral","sentiment_score":-0.01989939548310977,"num_words":79,"start":475.56,"end":501.745},{"sentences":[{"text":"Beautiful.","start":504.48,"end":504.98,"sentiment":"positive","sentiment_score":0.738527238368988},{"text":"Thanks, man.","start":505.12,"end":505.86,"sentiment":"positive","sentiment_score":0.5698984861373901},{"text":"Yep.","start":509.68,"end":510.18,"sentiment":"neutral","sentiment_score":0.02729690819978714},{"text":"No.","start":514.32,"end":514.56,"sentiment":"neutral","sentiment_score":-0.08882799744606018},{"text":"That's all.","start":514.56,"end":515.04,"sentiment":"neutral","sentiment_score":-0.08893059566617012}],"sentiment":"neutral","sentiment_score":0.2341331328664507,"num_words":7,"start":504.48,"end":515.04},{"sentences":[{"text":"No.","start":515.04,"end":515.54,"sentiment":"neutral","sentiment_score":-0.15984180569648743},{"text":"No.","start":516.76495,"end":517.08496,"sentiment":"neutral","sentiment_score":-0.13515329360961914},{"text":"So you you can get...","start":517.08496,"end":517.96497,"sentiment":"neutral","sentiment_score":-0.07016732394695283},{"text":"What what we can do, we can leave it leave it to this.","start":517.96497,"end":520.20496,"sentiment":"neutral","sentiment_score":-0.010860979557037354},{"text":"And then in the next few days, when we're already on the call, we can go and run everything to us.","start":520.20496,"end":525.32495,"sentiment":"neutral","sentiment_score":0.06399048634228252}],"sentiment":"neutral","sentiment_score":0.013579896583062847,"num_words":41,"start":515.04,"end":525.32495},{"sentences":[{"text":"You know?","start":525.32495,"end":526.07495,"sentiment":"neutral","sentiment_score":0.018109768629074097},{"text":"I'm always doing something.","start":536.06,"end":537.25995,"sentiment":"neutral","sentiment_score":-0.024440100882202387},{"text":"So as you can see here right now, I'm sort of talking, listening to you, doing some meals.","start":537.25995,"end":541.98,"sentiment":"neutral","sentiment_score":0.07562863143781821},{"text":"So, yeah, I'm I'm I'm I'm mostly available.","start":541.98,"end":546.325,"sentiment":"neutral","sentiment_score":0.11735910456627607},{"text":"I'm I'm just about whatever you're free next.","start":546.385,"end":548.865,"sentiment":"neutral","sentiment_score":0.10033486783504486}],"sentiment":"neutral","sentiment_score":0.07603315697051585,"num_words":40,"start":525.32495,"end":548.865},{"sentences":[{"text":"We can book it in.","start":548.865,"end":550.085,"sentiment":"neutral","sentiment_score":0.13522380888462066},{"text":"Well well.","start":551.025,"end":552.005,"sentiment":"neutral","sentiment_score":0.32605209946632385},{"text":"Just just to confirm, not this Friday but next Friday.","start":566.13,"end":569.00995,"sentiment":"neutral","sentiment_score":0.007069188728928566},{"text":"Right?","start":569.00995,"end":569.50995,"sentiment":"neutral","sentiment_score":0.07610611617565155},{"text":"Beautiful.","start":569.685,"end":570.185,"sentiment":"positive","sentiment_score":0.4331258833408356}],"sentiment":"neutral","sentiment_score":0.10042879632429073,"num_words":19,"start":548.865,"end":570.185},{"sentences":[{"text":"Sounds good.","start":573.4912,"end":577.7975,"sentiment":"neutral","sentiment_score":0.09775974974036218},{"text":"Yep.","start":581.10376,"end":581.60376,"sentiment":"neutral","sentiment_score":0.041921596974134445},{"text":"Last two meter.","start":585.31,"end":586.37,"sentiment":"neutral","sentiment_score":0.017111534252762794},{"text":"Same time.","start":586.75,"end":587.55,"sentiment":"neutral","sentiment_score":0.037159573286771774},{"text":"Just a minute.","start":587.55,"end":588.02997,"sentiment":"neutral","sentiment_score":0.030666551863153774}],"sentiment":"neutral","sentiment_score":0.041372227397832,"num_words":11,"start":573.4912,"end":588.02997},{"sentences":[{"text":"Yep.","start":588.02997,"end":588.52997,"sentiment":"neutral","sentiment_score":0.048793017864227295},{"text":"Yep.","start":603.455,"end":603.695,"sentiment":"neutral","sentiment_score":0.01861007697880268},{"text":"Not business.","start":603.695,"end":604.255,"sentiment":"neutral","sentiment_score":-0.10538791492581367},{"text":"Sounds good.","start":604.255,"end":604.655,"sentiment":"neutral","sentiment_score":0.3215496763586998},{"text":"What?","start":604.655,"end":605.155,"sentiment":"neutral","sentiment_score":0.1936174035072327}],"sentiment":"neutral","sentiment_score":0.09904914588800498,"num_words":7,"start":588.02997,"end":605.155}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Sorry. What?\n\nChannel 0: No. That is okay. Call just cut out for a second. Have you got me loud and clear?\n\nChannel 1: Hello? Yeah. Yeah. Yeah. Sorry.\n\nI was just just jumping in my car. So you must have come to the booth and then... Sorry. What?\n\nChannel 0: That's\n\nChannel 1: The girl\n\nChannel 0: no worries at\n\nChannel 1: girl.\n\nChannel 0: all.\n\nChannel 1: Sorry. Yeah.\n\nChannel 0: No worries\n\nChannel 1: So sorry.\n\nChannel 0: at all.\n\nChannel 1: We... We're going back to... So you so you gotta change my income protection from 9,002?\n\nChannel 0: To 7,291 per month,\n\nChannel 1: Yep.\n\nChannel 0: that would cover the percentage of your income. So if I look at it in terms of the 70%, that gets you back to your income of a 125,000. What I was sort of thinking was we'd kind of bounced between a 125,000, a 140,000, and we had done some pre assessments with you. I'm just wondering what you would prefer to protect. 100 and\n\nChannel 1: So\n\nChannel 0: 25,000 income or one\n\nChannel 1: so\n\nChannel 0: 40?\n\nChannel 1: just just a quick one. So a few things have changed since I think last we spoke last year. So\n\nChannel 0: Yep.\n\nChannel 1: since start of the PA, I have started my own business. So I'm pretty much no longer working for anyone else. I'm sort of running a a solar and battery business.\n\nChannel 0: Right. Soar and battery business.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Okay. Okay. So I'm just having a look. You were doing electrician work at the time.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now for the soar and battery business, what kind of duties do you do within the business?\n\nChannel 1: So pretty much, I'm the director. So, like, I do a bit of everything. Like, I I run the team. I go on... I'm sort of paid bill half and half now.\n\nA little bit on the close, a little bit on the office and stuff.\n\nChannel 0: Yep. So a little bit on the tools, a little bit of office stuff. When you go on the tools, is it pretty similar electrical work to what you were doing before?\n\nChannel 1: Yes.\n\nChannel 0: Is it way\n\nChannel 1: Yes.\n\nChannel 0: different?\n\nChannel 1: Nah. Similar.\n\nChannel 0: Working director. We've got similar work. Let's say... What what would you kind of proportion the tools versus the office side? Fifty fifty, eighty twenty.\n\nChannel 1: Last, we got sixty forty. 60% of tools. 40 on the office.\n\nChannel 0: 60% tools, 40% on the office. Perfect. So what I'll do, the way I kind of position it with the insurance, so they would probably still rate you as, like, that that electrician type occupation rating unless it was, like, a 90% in the office kind of thing. So there\n\nChannel 1: Yep.\n\nChannel 0: wouldn't be any change. The\n\nChannel 1: Yep.\n\nChannel 0: only thing I'd have to run by them is in terms of stability of income. The good thing is it's a similar, like, similar industry. Right?\n\nChannel 1: Yep.\n\nChannel 0: Similar qualifications, similar industry. So I'll give them a call and double check with them, but they might be like... Because it's an indemnity policy. What generally happens is when you go to claim, you basically tell them what your income was for the last twelve months, and they give you a percentage on what the income was.\n\nChannel 1: Yes.\n\nChannel 0: So at the moment, it counts the income that you had from the previous employers, and it counts your current income kind of spliced together if that makes sense.\n\nChannel 1: Alright. Good for you.\n\nChannel 0: Now have you got any... I know it's gonna be a bit hard, but have you got any idea what you would put as your income going forward?\n\nChannel 1: I mean, roughly, the... I'm still taking a salary from my business, and it will be still the same, roughly around 100 to $1.20 a year.\n\nChannel 0: 100,000 to $1.20.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So do you want me to go conservative with it and and kind of ensure you're under the 100,000 or the $1.20? What would be safer, do you think?\n\nChannel 1: Let's just go 100.\n\nChannel 0: Yep. So if I do that at 70% divided by 12, so the cover amount that we'd be looking for is $583.03 per month, and that way you're not overpaying for something that you can't claim on.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound alright?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So won't change any waiting periods, benefit periods. That's all good. The other thing I wanted to run by you is because you're currently insured with ClearView. Now there are one, two, three, four insurers who are currently offering cheaper cover for an electrician than ClearView are.\n\nChannel 1: You know, if it's a similar sort of benefits and stuff, yeah, why not? Let's change it.\n\nChannel 0: Yep. There is a slight difference in the the quality of the policy, which is my only point where I wanted to run it by you. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: there is an insurer there where it's like another maybe $5.06, $700 less per year. I'll redo\n\nChannel 1: Yep.\n\nChannel 0: the quotes for the new income, but\n\nChannel 1: Yep.\n\nChannel 0: the things that you would kind of lose... So when you've got life insurance, you get a lump sum. When you have TPD insurance and, you know, you break your back, you get a lump sum. You know how income protection is kind of like a monthly payment if you gotta work for, like, six months?\n\nChannel 1: Yes.\n\nChannel 0: Well, in terms of features, so the current provider has a feature where if you were to pass away, they would combine, like, a few months of income protection as a death benefit on top of the life insurance. Whereas the new provider, it more pays a payment if you have, like, a heart attack, a stroke, or a cancer. So what I'm sort of thinking is\n\nChannel 1: Yep.\n\nChannel 0: if 500,000 of life insurance covers you for what you need, the\n\nChannel 1: Yep.\n\nChannel 0: new provider might be better because it'll pay you for things like if you have a heart attack, which you're not currently protected for.\n\nChannel 1: Yeah. Sure. Hello.\n\nChannel 0: K? So\n\nChannel 1: Yep.\n\nChannel 0: what I'll do is I'll just run by the the insurer the quotes to see if they're okay with the self employed. I'll put that together in the plan and show you the exact differences in a table between the current policy and the new one. And that way, if there's anything that jumps out at you as an issue, we can kind of talk about it before we change anything. How's that sound?\n\nChannel 1: I'll do that. I'll call what you do.\n\nChannel 0: Cool. The other thing I'm gonna do is I've got the research back for the super portfolio. You know, we'll try to go a little bit more aggressive with it. Instead of, like, 90% growth assets, we're gonna bump you up to, like, 98, a 100.\n\nChannel 1: I think the last time I talked to you guys, I... It say I wanna go all 100%. And even I think I was talking to you about regarding borrowing, like, a 10% more or 20% more to invest.\n\nChannel 0: Correct. So I've found a couple there that would get us back up to, like, the 100 percent, and\n\nChannel 1: Yep.\n\nChannel 0: you'd... The returns kinda go from, like, a 9% average up to, like, an 11% average. I'm just double checking any capital gains tax issues to make sure there's no big fees or anything, but that's kind of where I'm leaning towards at the moment that I was gonna mix into the new strategy.\n\nChannel 1: Sure. Just just before we move ahead, what sort of returns have I made last year?\n\nChannel 0: I don't have that in front of me. Sorry. I only have the the research that we did, the the nine\n\nChannel 1: Yep.\n\nChannel 0: percent average versus the 11%.\n\nChannel 1: Yep.\n\nChannel 0: I know the last twelve months, it was a bit... Well, stock market's dropped a couple of times. So\n\nChannel 1: Yep.\n\nChannel 0: I would wager it's a bit flat at the moment, the last twelve months.\n\nChannel 1: Alex.\n\nChannel 0: But when I put together the plan with the insurances and the super, that's another thing that you can look through and say, look. I'm happy to move from this portfolio to that portfolio or not. And then you can\n\nChannel 1: Yep.\n\nChannel 0: write into the box. Yes. Go ahead with it. No. Don't go ahead with it.\n\nChannel 1: Not in business. I'm just...\n\nChannel 0: Beautiful. Alrighty. So give me a couple of days for the team to just run by a couple of the insurers for the self employment, and I should\n\nChannel 1: Yep.\n\nChannel 0: have that back to you. I can either email it through to you next week, or we can just book in for a quick call to go through any questions\n\nChannel 1: Yeah.\n\nChannel 0: together.\n\nChannel 1: Let's\n\nChannel 0: What would\n\nChannel 1: let's\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: prefer?\n\nChannel 1: let's look in for a a call. And while while on the call, can we just get the sort of numbers that have on May, and the last two, you know, just just be able to run down what's my money doing and stuff\n\nChannel 0: Yeah.\n\nChannel 1: so I can\n\nChannel 0: Absolutely.\n\nChannel 1: make a little bit more clearer. Because everything's sort of going expensive, and I'm just sort of thinking, is it worth continuing with this whole thing on. Yeah?\n\nChannel 0: Yeah. Absolutely. Absolutely.\n\nChannel 1: Beautiful.\n\nChannel 0: I'm\n\nChannel 1: Thanks,\n\nChannel 0: currently\n\nChannel 1: man.\n\nChannel 0: having a look at it at the moment. I'll just see if I can pull it up\n\nChannel 1: Yep.\n\nChannel 0: because, again, reports take a bit of time to generate, but at least\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: That's\n\nChannel 0: dashboard\n\nChannel 1: all. No.\n\nChannel 0: I can grab you.\n\nChannel 1: No. So you you\n\nChannel 0: But\n\nChannel 1: can get... What what we can do, we can leave it leave it to this. And then in the next few days, when we're already on the call, we can go and run everything to us. You know?\n\nChannel 0: yep. Perfect. Now I'm a little bit... I've got a couple of spaces next week. How are you going for availability?\n\nIs it pretty rough to get you next week? Or\n\nChannel 1: I'm always doing something. So as you can see here right now, I'm sort of talking, listening to you, doing some meals. So, yeah, I'm I'm I'm I'm mostly available. I'm I'm just about whatever you're free next. We can book it in.\n\nChannel 0: I\n\nChannel 1: Well\n\nChannel 0: do have\n\nChannel 1: well.\n\nChannel 0: a really good slot next Friday around kind of, let's say... Well, actually, I've got a heaps of slots free next Friday. Just let me work. But you're in WA, aren't you?\n\nChannel 1: Just just to confirm, not this Friday but next Friday. Right?\n\nChannel 0: Next\n\nChannel 1: Beautiful.\n\nChannel 0: Friday. Correct. So next Friday, I've\n\nChannel 1: Sounds\n\nChannel 0: got anywhere between two hours\n\nChannel 1: good.\n\nChannel 0: difference, 09:30 your time,\n\nChannel 1: Yep.\n\nChannel 0: all the way up until midday.\n\nChannel 1: Last two meter. Same\n\nChannel 0: Midday.\n\nChannel 1: time. Just a minute. Yep.\n\nChannel 0: Alright. So I'll do midday SOA, and I'll include the insurance, new portfolio, and some figures for... Since you've been a client, let's say, the last four years or so.\n\nChannel 1: Yep. Not business. Sounds good. What?\n\nChannel 0: Awesome. Any questions for me at this point? Cool. Alrighty. I will get to it, mate, and I shall talk to you next Friday.\n\nThank you so much for your time. Talk to you then. Bye.","paragraphs":[{"sentences":[{"text":"Sorry.","start":2.8799999,"end":3.1999998,"sentiment":"neutral","sentiment_score":-0.11664409190416336},{"text":"What?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":-0.07695156335830688}],"sentiment":"neutral","sentiment_score":-0.09679782763123512,"channel":1,"num_words":2,"start":2.8799999,"end":3.6999998},{"sentences":[{"text":"No.","start":4.16,"end":4.48,"sentiment":"neutral","sentiment_score":-0.1883447617292404},{"text":"That is okay.","start":4.48,"end":5.2,"sentiment":"neutral","sentiment_score":-0.03416521226366361},{"text":"Call just cut out for a second.","start":5.2,"end":6.48,"sentiment":"neutral","sentiment_score":0.024467462673783302},{"text":"Have you got me loud and clear?","start":6.48,"end":8.42,"sentiment":"neutral","sentiment_score":0.019995562599173615}],"sentiment":"neutral","sentiment_score":0.0011333765772481759,"channel":0,"num_words":18,"start":4.16,"end":8.42},{"sentences":[{"text":"Hello?","start":9.12,"end":9.36,"sentiment":"neutral","sentiment_score":0.011289478279650211},{"text":"Yeah.","start":9.36,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.015747930854558945},{"text":"Yeah.","start":9.5199995,"end":9.599999,"sentiment":"neutral","sentiment_score":0.014013541862368584},{"text":"Yeah.","start":9.599999,"end":9.84,"sentiment":"neutral","sentiment_score":-0.00906691886484623},{"text":"Sorry.","start":9.84,"end":10.16,"sentiment":"neutral","sentiment_score":-0.09283903241157532}],"sentiment":"neutral","sentiment_score":-0.012171000055968762,"channel":1,"num_words":5,"start":9.12,"end":10.16},{"sentences":[{"text":"I was just just jumping in my 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worries","start":18.445,"end":19.005001,"sentiment":"neutral","sentiment_score":0.009789099916815758}],"sentiment":"neutral","sentiment_score":0.009789099916815758,"channel":0,"num_words":2,"start":18.445,"end":19.005001},{"sentences":[{"text":"So sorry.","start":18.724998,"end":19.205,"sentiment":"neutral","sentiment_score":-0.02274281345307827}],"sentiment":"neutral","sentiment_score":-0.02274281345307827,"channel":1,"num_words":2,"start":18.724998,"end":19.205},{"sentences":[{"text":"at all.","start":19.005001,"end":19.665,"sentiment":"neutral","sentiment_score":-0.021029132418334484}],"sentiment":"neutral","sentiment_score":-0.021029132418334484,"channel":0,"num_words":2,"start":19.005001,"end":19.665},{"sentences":[{"text":"We...","start":19.205,"end":19.445,"sentiment":"neutral","sentiment_score":-0.00887177512049675},{"text":"We're going back to...","start":19.445,"end":20.085,"sentiment":"neutral","sentiment_score":-0.009216248756274581},{"text":"So you so you gotta change my income protection from 9,002?","start":20.085,"end":23.945,"sentiment":"neutral","sentiment_score":0.018350352617827328}],"sentiment":"neutral","sentiment_score":0.009757319290656596,"channel":1,"num_words":16,"start":19.205,"end":23.945},{"sentences":[{"text":"To 7,291 per month,","start":24.605,"end":27.66,"sentiment":"neutral","sentiment_score":0.04345603007823229}],"sentiment":"neutral","sentiment_score":0.04345603007823229,"channel":0,"num_words":4,"start":24.605,"end":27.66},{"sentences":[{"text":"Yep.","start":28.5,"end":29.0,"sentiment":"neutral","sentiment_score":0.11755329370498656}],"sentiment":"neutral","sentiment_score":0.11755329370498656,"channel":1,"num_words":1,"start":28.5,"end":29.0},{"sentences":[{"text":"that would cover the percentage of your income.","start":29.42,"end":31.82,"sentiment":"neutral","sentiment_score":0.10514448024332523},{"text":"So if I look at it in terms of the 70%, that gets you back to your income of a 125,000.","start":31.82,"end":39.6,"sentiment":"neutral","sentiment_score":0.10623839852355775},{"text":"What I was sort of thinking was we'd kind of bounced between a 125,000, a 140,000, and we had done some pre assessments with you.","start":42.185,"end":52.345,"sentiment":"neutral","sentiment_score":0.04355562899261713},{"text":"I'm just wondering what you would prefer to protect.","start":52.345,"end":56.65,"sentiment":"neutral","sentiment_score":0.014692040781180063},{"text":"100 and","start":57.35,"end":57.83,"sentiment":"neutral","sentiment_score":0.005267130210995674}],"sentiment":"neutral","sentiment_score":0.06621254712629776,"channel":0,"num_words":65,"start":29.42,"end":57.83},{"sentences":[{"text":"So","start":57.77,"end":58.27,"sentiment":"neutral","sentiment_score":0.00566406175494194}],"sentiment":"neutral","sentiment_score":0.00566406175494194,"channel":1,"num_words":1,"start":57.77,"end":58.27},{"sentences":[{"text":"25,000 income or one","start":57.83,"end":59.510002,"sentiment":"neutral","sentiment_score":-0.00043826550245285034}],"sentiment":"neutral","sentiment_score":-0.00043826550245285034,"channel":0,"num_words":4,"start":57.83,"end":59.510002},{"sentences":[{"text":"so","start":59.45,"end":59.850002,"sentiment":"neutral","sentiment_score":0.0010151974856853483}],"sentiment":"neutral","sentiment_score":0.0010151974856853483,"channel":1,"num_words":1,"start":59.45,"end":59.850002},{"sentences":[{"text":"40?","start":59.510002,"end":60.010002,"sentiment":"neutral","sentiment_score":0.00007591769099235535}],"sentiment":"neutral","sentiment_score":0.00007591769099235535,"channel":0,"num_words":1,"start":59.510002,"end":60.010002},{"sentences":[{"text":"just just a quick one.","start":59.850002,"end":60.89,"sentiment":"neutral","sentiment_score":-0.005183161050081253},{"text":"So a few things have changed since I think last we spoke last 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time.","start":86.36,"end":89.420006,"sentiment":"neutral","sentiment_score":0.03298679646104574}],"sentiment":"neutral","sentiment_score":0.048782400567741954,"channel":0,"num_words":17,"start":82.68,"end":89.420006},{"sentences":[{"text":"Yes.","start":90.06,"end":90.56,"sentiment":"neutral","sentiment_score":0.18376824259757996}],"sentiment":"neutral","sentiment_score":0.18376824259757996,"channel":1,"num_words":1,"start":90.06,"end":90.56},{"sentences":[{"text":"Perfect.","start":91.560005,"end":92.060005,"sentiment":"neutral","sentiment_score":0.3264559209346771},{"text":"Now for the soar and battery business, what kind of duties do you do within the business?","start":92.12,"end":96.705,"sentiment":"neutral","sentiment_score":0.08646522089838982}],"sentiment":"neutral","sentiment_score":0.09979803756707245,"channel":0,"num_words":18,"start":91.560005,"end":96.705},{"sentences":[{"text":"So pretty much, I'm the 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stuff.","start":108.385,"end":111.285,"sentiment":"neutral","sentiment_score":0.023495149133460864}],"sentiment":"neutral","sentiment_score":0.023495149133460864,"channel":1,"num_words":14,"start":108.385,"end":111.285},{"sentences":[{"text":"Yep.","start":111.745,"end":112.245,"sentiment":"neutral","sentiment_score":0.07215043902397156},{"text":"So a little bit on the tools, a little bit of office stuff.","start":112.305,"end":114.159996,"sentiment":"neutral","sentiment_score":0.038231887926275916},{"text":"When you go on the tools, is it pretty similar electrical work to what you were doing before?","start":114.159996,"end":117.759995,"sentiment":"neutral","sentiment_score":0.03351922488460938}],"sentiment":"neutral","sentiment_score":0.03664096968714148,"channel":0,"num_words":32,"start":111.745,"end":117.759995},{"sentences":[{"text":"Yes.","start":117.700005,"end":118.100006,"sentiment":"neutral","sentiment_score":0.037892892956733704}],"sentiment":"neutral","sentiment_score":0.037892892956733704,"channel":1,"num_words":1,"start":117.700005,"end":118.100006},{"sentences":[{"text":"Is it 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tools.","start":133.405,"end":134.545,"sentiment":"neutral","sentiment_score":0.017547371797263622},{"text":"40 on the office.","start":134.925,"end":136.065,"sentiment":"neutral","sentiment_score":0.019518996588885784}],"sentiment":"neutral","sentiment_score":0.0215453178777049,"channel":1,"num_words":12,"start":132.125,"end":136.065},{"sentences":[{"text":"60% tools, 40% on the office.","start":136.66501,"end":140.55,"sentiment":"neutral","sentiment_score":0.18659860640764236},{"text":"Perfect.","start":142.29001,"end":142.79001,"sentiment":"positive","sentiment_score":0.7308497428894043},{"text":"So what I'll do, the way I kind of position it with the insurance, so they would probably still rate you as, like, that that electrician type occupation rating unless it was, like, a 90% in the office kind of thing.","start":143.33,"end":156.715,"sentiment":"neutral","sentiment_score":0.17030458134122012},{"text":"So there","start":156.715,"end":157.19499,"sentiment":"neutral","sentiment_score":0.05305475369095802}],"sentiment":"neutral","sentiment_score":0.17878077447414398,"channel":0,"num_words":50,"start":136.66501,"end":157.19499},{"sentences":[{"text":"Yep.","start":157.08499,"end":157.58499,"sentiment":"neutral","sentiment_score":0.07035579532384872}],"sentiment":"neutral","sentiment_score":0.07035579532384872,"channel":1,"num_words":1,"start":157.08499,"end":157.58499},{"sentences":[{"text":"wouldn't be any change.","start":157.19499,"end":158.415,"sentiment":"neutral","sentiment_score":-0.0005663856863975525},{"text":"The","start":158.875,"end":159.03499,"sentiment":"neutral","sentiment_score":0.13263782858848572}],"sentiment":"neutral","sentiment_score":0.0260744571685791,"channel":0,"num_words":5,"start":157.19499,"end":159.03499},{"sentences":[{"text":"Yep.","start":159.00499,"end":159.50499,"sentiment":"neutral","sentiment_score":0.1940230429172516}],"sentiment":"neutral","sentiment_score":0.1940230429172516,"channel":1,"num_words":1,"start":159.00499,"end":159.50499},{"sentences":[{"text":"only thing I'd have to run by them is in terms of stability of income.","start":159.03499,"end":164.415,"sentiment":"neutral","sentiment_score":0.1264971226453781},{"text":"The good thing is it's a similar, like, similar industry.","start":164.555,"end":168.0,"sentiment":"positive","sentiment_score":0.36310848742723467},{"text":"Right?","start":168.0,"end":168.5,"sentiment":"neutral","sentiment_score":0.1890965849161148}],"sentiment":"neutral","sentiment_score":0.2199091653411205,"channel":0,"num_words":26,"start":159.03499,"end":168.5},{"sentences":[{"text":"Yep.","start":168.9,"end":169.4,"sentiment":"neutral","sentiment_score":0.14027449488639832}],"sentiment":"neutral","sentiment_score":0.14027449488639832,"channel":1,"num_words":1,"start":168.9,"end":169.4},{"sentences":[{"text":"Similar qualifications, similar industry.","start":170.56,"end":172.48,"sentiment":"neutral","sentiment_score":0.11171417497098446},{"text":"So I'll give them a call and double check with them, but they might be like...","start":172.48,"end":175.2,"sentiment":"neutral","sentiment_score":0.07639018725603819},{"text":"Because it's an indemnity policy.","start":175.2,"end":176.72,"sentiment":"neutral","sentiment_score":0.04013502448797226},{"text":"What generally happens is when you go to claim, you basically tell them what your income was for the last twelve months, and they give you a percentage on what the income was.","start":176.72,"end":185.865,"sentiment":"neutral","sentiment_score":0.05027232714223139}],"sentiment":"neutral","sentiment_score":0.06084071748472493,"channel":0,"num_words":58,"start":170.56,"end":185.865},{"sentences":[{"text":"Yes.","start":186.55501,"end":187.05501,"sentiment":"neutral","sentiment_score":0.0720178484916687}],"sentiment":"neutral","sentiment_score":0.0720178484916687,"channel":1,"num_words":1,"start":186.55501,"end":187.05501},{"sentences":[{"text":"So at the moment, it counts the income that you had from the previous employers, and it counts your current income kind of spliced together if that makes 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$1.20.","start":218.07501,"end":220.14,"sentiment":"neutral","sentiment_score":0.017929870635271072}],"sentiment":"neutral","sentiment_score":0.017929870635271072,"channel":0,"num_words":3,"start":218.07501,"end":220.14},{"sentences":[{"text":"Yep.","start":220.685,"end":221.185,"sentiment":"neutral","sentiment_score":0.09129717200994492}],"sentiment":"neutral","sentiment_score":0.09129717200994492,"channel":1,"num_words":1,"start":220.685,"end":221.185},{"sentences":[{"text":"Alright.","start":221.8,"end":222.2,"sentiment":"neutral","sentiment_score":0.10340108722448348},{"text":"So do you want me to go conservative with it and and kind of ensure you're under the 100,000 or the $1.20?","start":222.2,"end":227.56,"sentiment":"neutral","sentiment_score":0.03355490577153184},{"text":"What would be safer, do you 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things that you would kind of lose...","start":290.305,"end":291.825,"sentiment":"neutral","sentiment_score":-0.1615083096548915},{"text":"So when you've got life insurance, you get a lump sum.","start":291.825,"end":296.005,"sentiment":"neutral","sentiment_score":-0.04753398285670714},{"text":"When you have TPD insurance and, you know, you break your back, you get a lump sum.","start":296.305,"end":300.065,"sentiment":"neutral","sentiment_score":-0.01249505195985822},{"text":"You know how income protection is kind of like a monthly payment if you gotta work for, like, six 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the last twelve months, it was a bit...","start":432.515,"end":434.435,"sentiment":"neutral","sentiment_score":-0.061772645637393},{"text":"Well, stock market's dropped a couple of times.","start":434.435,"end":436.535,"sentiment":"negative","sentiment_score":-0.39967777021229267},{"text":"So","start":436.595,"end":437.095,"sentiment":"neutral","sentiment_score":-0.23563243448734283}],"sentiment":"neutral","sentiment_score":-0.21319900276629547,"channel":0,"num_words":19,"start":432.515,"end":437.095},{"sentences":[{"text":"Yep.","start":436.66498,"end":437.16498,"sentiment":"neutral","sentiment_score":-0.16121134161949158}],"sentiment":"neutral","sentiment_score":-0.16121134161949158,"channel":1,"num_words":1,"start":436.66498,"end":437.16498},{"sentences":[{"text":"I would wager it's a bit flat at the moment, the last twelve 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point?","start":605.73505,"end":607.275,"sentiment":"neutral","sentiment_score":0.28679517975875307},{"text":"Cool.","start":609.41504,"end":609.87,"sentiment":"positive","sentiment_score":0.5212627649307251},{"text":"Alrighty.","start":609.95,"end":610.45,"sentiment":"positive","sentiment_score":0.4783317744731903},{"text":"I will get to it, mate, and I shall talk to you next Friday.","start":610.83,"end":613.57,"sentiment":"positive","sentiment_score":0.45114811616284506}],"sentiment":"positive","sentiment_score":0.4168560200681289,"channel":0,"num_words":24,"start":605.255,"end":613.57},{"sentences":[{"text":"Thank you so much for your time.","start":616.27,"end":617.55,"sentiment":"positive","sentiment_score":0.802369236946106},{"text":"Talk to you then.","start":617.55,"end":618.27,"sentiment":"positive","sentiment_score":0.4737844243645668},{"text":"Bye.","start":618.27,"end":618.77,"sentiment":"neutral","sentiment_score":-0.11995751410722733}],"sentiment":"positive","sentiment_score":0.6159804034978151,"channel":0,"num_words":12,"start":616.27,"end":618.77}]},"summary":{"result":"success","short":"The caller discusses their income protection from 9-11%, including solar and battery work. They have a coverage amount of $ ke y per month, slightly lower than their current insurance policy. They suggest changing their policy to a more aggressive one and are available for appointments next week. They also mention researching their previous insurance policy and scheduling a call with a representative to discuss the policy."},"intents":{"segments":[{"text":"There is a slight difference in the the quality of the policy, which is my only point where I wanted to run it by you. So Yep.","start_word":748,"end_word":774,"intents":[{"intent":"Review policy differences","confidence_score":0.0007963178}]},{"text":"Sure.","start_word":1211,"end_word":1211,"intents":[{"intent":"Discuss returns","confidence_score":0.005166981}]},{"text":"But when I put together the plan with the insurances and the super, that's another thing that you can look through and say, look. I'm happy to move from this portfolio to that portfolio or not. And then you can Yep.","start_word":1290,"end_word":1330,"intents":[{"intent":"Compare portfolios","confidence_score":0.0014031455}]},{"text":"let's look in for a a call.","start_word":1419,"end_word":1425,"intents":[{"intent":"Offer call","confidence_score":0.0041523264}]},{"text":"And while while on the call, can we just get the sort of numbers that have on May, and the last two, you know, just just be able to run down what's my money doing and stuff Yeah.","start_word":1427,"end_word":1464,"intents":[{"intent":"Access numbers","confidence_score":0.0018269052},{"intent":"Discuss finances","confidence_score":0.02264197},{"intent":"Schedule a call","confidence_score":0.0008391449}]},{"text":"How are you going for availability?","start_word":1603,"end_word":1608,"intents":[{"intent":"Confirm availability","confidence_score":0.111919045}]}]},"sentiments":{"segments":[{"text":"Sorry. What? No. That is okay. Call just cut out for a second. Have you got me loud and clear? Hello? Yeah. Yeah. Yeah. Sorry. I was just just jumping in my car. So you must have come to the booth and then... Sorry. What? That's The girl no worries at girl. all. Sorry. Yeah. No worries So sorry. at all. We... We're going back to... So you so you gotta change my income protection from 9,002? To 7,291 per month, Yep. that would cover the percentage of your income. So if I look at it in terms of the 70%, that gets you back to your income of a 125,000. What I was sort of thinking was we'd kind of bounced between a 125,000, a 140,000, and we had done some pre assessments with you. I'm just wondering what you would prefer to protect. 100 and So 25,000 income or one so 40? just just a quick one. So a few things have changed since I think last we spoke last year. So Yep. since start of the PA, I have started my own business. So I'm pretty much no longer working for anyone else. I'm sort of running a a solar and battery business. Right. Soar and battery business. Yes. Okay. Okay. Okay. So I'm just having a look. You were doing electrician work at the time. Yes. Perfect. Now for the soar and battery business, what kind of duties do you do within the business? So pretty much, I'm the director. So, like, I do a bit of everything. Like, I I run the team. I go on... I'm sort of paid bill half and half now. A little bit on the close, a little bit on the office and stuff. Yep. So a little bit on the tools, a little bit of office stuff. When you go on the tools, is it pretty similar electrical work to what you were doing before? Yes. Is it way Yes. different? Nah. Similar. Working director. We've got similar work. Let's say... What what would you kind of proportion the tools versus the office side? Fifty fifty, eighty twenty. Last, we got sixty forty. 60% of tools. 40 on the office. 60% tools, 40% on the office.","start_word":0,"end_word":376,"sentiment":"neutral","sentiment_score":0.017047132982993474},{"text":"Perfect.","start_word":377,"end_word":377,"sentiment":"positive","sentiment_score":0.7308497428894043},{"text":"So what I'll do, the way I kind of position it with the insurance, so they would probably still rate you as, like, that that electrician type occupation rating unless it was, like, a 90% in the office kind of thing. So there Yep. wouldn't be any change. The Yep. only thing I'd have to run by them is in terms of stability of income.","start_word":378,"end_word":442,"sentiment":"neutral","sentiment_score":0.14568473398685455},{"text":"The good thing is it's a similar, like, similar industry.","start_word":443,"end_word":452,"sentiment":"positive","sentiment_score":0.3553677797317505},{"text":"Right? Yep. Similar qualifications, similar industry. So I'll give them a call and double check with them, but they might be like... Because it's an indemnity policy. What generally happens is when you go to claim, you basically tell them what your income was for the last twelve months, and they give you a percentage on what the income was. Yes. So at the moment, it counts the income that you had from the previous employers, and it counts your current income kind of spliced together if that makes sense. Alright.","start_word":453,"end_word":543,"sentiment":"neutral","sentiment_score":0.07754706591367722},{"text":"Good for you.","start_word":544,"end_word":546,"sentiment":"positive","sentiment_score":0.5382844805717468},{"text":"Now have you got any... I know it's gonna be a bit hard, but have you got any idea what you would put as your income going forward? I mean, roughly, the... I'm still taking a salary from my business, and it will be still the same, roughly around 100 to $1.20 a year. 100,000 to $1.20. Yep. Alright. So do you want me to go conservative with it and and kind of ensure you're under the 100,000 or the $1.20? What would be safer, do you think? Let's just go 100. Yep. So if I do that at 70% divided by 12, so the cover amount that we'd be looking for is $583.03 per month, and that way you're not overpaying for something that you can't claim on. Yep. Does that sound alright? Yep.","start_word":547,"end_word":681,"sentiment":"neutral","sentiment_score":0.05443311110138893},{"text":"Cool.","start_word":682,"end_word":682,"sentiment":"positive","sentiment_score":0.46771204471588135},{"text":"So won't change any waiting periods, benefit periods.","start_word":683,"end_word":690,"sentiment":"neutral","sentiment_score":0.2276097983121872},{"text":"That's all good.","start_word":691,"end_word":693,"sentiment":"positive","sentiment_score":0.5864570140838623},{"text":"The other thing I wanted to run by you is because you're currently insured with ClearView. Now there are one, two, three, four insurers who are currently offering cheaper cover for an electrician than ClearView are. You know, if it's a similar sort of benefits and stuff, yeah, why not? Let's change it. Yep. There is a slight difference in the the quality of the policy, which is my only point where I wanted to run it by you. So Yep. Yep. there is an insurer there where it's like another maybe $5.06, $700 less per year. I'll redo Yep. the quotes for the new income, but Yep. the things that you would kind of lose... So when you've got life insurance, you get a lump sum. When you have TPD insurance and, you know, you break your back, you get a lump sum. You know how income protection is kind of like a monthly payment if you gotta work for, like, six months? Yes. Well, in terms of features, so the current provider has a feature where if you were to pass away, they would combine, like, a few months of income protection as a death benefit on top of the life insurance. Whereas the new provider, it more pays a payment if you have, like, a heart attack, a stroke, or a cancer. So what I'm sort of thinking is Yep. if 500,000 of life insurance covers you for what you need, the Yep. new provider might be better because it'll pay you for things like if you have a heart attack, which you're not currently protected for. Yeah. Sure. Hello. K? So Yep. what I'll do is I'll just run by the the insurer the quotes to see if they're okay with the self employed. I'll put that together in the plan and show you the exact differences in a table between the current policy and the new one. And that way, if there's anything that jumps out at you as an issue, we can kind of talk about it before we change anything. How's that sound? I'll do that. I'll call what you do.","start_word":694,"end_word":1051,"sentiment":"neutral","sentiment_score":0.01108969573072007},{"text":"Cool.","start_word":1052,"end_word":1052,"sentiment":"positive","sentiment_score":0.4867401421070099},{"text":"The other thing I'm gonna do is I've got the research back for the super portfolio. You know, we'll try to go a little bit more aggressive with it. Instead of, like, 90% growth assets, we're gonna bump you up to, like, 98, a 100. I think the last time I talked to you guys, I... It say I wanna go all 100%. And even I think I was talking to you about regarding borrowing, like, a 10% more or 20% more to invest.","start_word":1053,"end_word":1136,"sentiment":"neutral","sentiment_score":0.14004875621980145},{"text":"Correct. So I've found a couple there that would get us back up to, like, the 100 percent, and Yep.","start_word":1137,"end_word":1156,"sentiment":"positive","sentiment_score":0.4796062111854553},{"text":"you'd... The returns kinda go from, like, a 9% average up to, like, an 11% average. I'm just double checking any capital gains tax issues to make sure there's no big fees or anything, but that's kind of where I'm leaning towards at the moment that I was gonna mix into the new strategy. Sure. Just just before we move ahead, what sort of returns have I made last year? I don't have that in front of me. Sorry. I only have the the research that we did, the the nine Yep. percent average versus the 11%. Yep. I know the last twelve months, it was a bit... Well, stock market's dropped a couple of times. So Yep. I would wager it's a bit flat at the moment, the last twelve months. Alex. But when I put together the plan with the insurances and the super, that's another thing that you can look through and say, look.","start_word":1157,"end_word":1313,"sentiment":"neutral","sentiment_score":0.04606488719582558},{"text":"I'm happy to move from this portfolio to that portfolio or not.","start_word":1314,"end_word":1325,"sentiment":"positive","sentiment_score":0.3579307198524475},{"text":"And then you can Yep. write into the box. Yes. Go ahead with it.","start_word":1326,"end_word":1339,"sentiment":"neutral","sentiment_score":0.12071624398231506},{"text":"No. Don't go ahead with it.","start_word":1340,"end_word":1345,"sentiment":"negative","sentiment_score":-0.39893975853919983},{"text":"Not in business. I'm just... Beautiful.","start_word":1346,"end_word":1351,"sentiment":"neutral","sentiment_score":-0.09440123289823532},{"text":"Alrighty.","start_word":1352,"end_word":1352,"sentiment":"positive","sentiment_score":0.3848779201507568},{"text":"So give me a couple of days for the team to just run by a couple of the insurers for the self employment, and I should Yep. have that back to you. I can either email it through to you next week, or we can just book in for a quick call to go through any questions Yeah. together. Let's What would let's you just prefer? let's look in for a a call. And while while on the call, can we just get the sort of numbers that have on May, and the last two, you know, just just be able to run down what's my money doing and stuff Yeah. so I can Absolutely. make a little bit more clearer. Because everything's sort of going expensive, and I'm just sort of thinking, is it worth continuing with this whole thing on. Yeah? Yeah.","start_word":1353,"end_word":1496,"sentiment":"neutral","sentiment_score":0.08280660135723236},{"text":"Absolutely. Absolutely. Beautiful. I'm Thanks, currently man.","start_word":1497,"end_word":1503,"sentiment":"positive","sentiment_score":0.5713388323783875},{"text":"having a look at it at the moment. I'll just see if I can pull it up Yep. because, again, reports take a bit of time to generate, but at least No. a That's dashboard all. No. I can grab you. No. So you you But can get... What what we can do, we can leave it leave it to this. And then in the next few days, when we're already on the call, we can go and run everything to us. You know? yep.","start_word":1504,"end_word":1588,"sentiment":"neutral","sentiment_score":0.011559621430933475},{"text":"Perfect.","start_word":1589,"end_word":1589,"sentiment":"positive","sentiment_score":0.4575802683830261},{"text":"Now I'm a little bit... I've got a couple of spaces next week. How are you going for availability? Is it pretty rough to get you next week? Or I'm always doing something. So as you can see here right now, I'm sort of talking, listening to you, doing some meals. So, yeah, I'm I'm I'm I'm mostly available. I'm I'm just about whatever you're free next. We can book it in. I Well do have well. a really good slot next Friday around kind of, let's say... Well, actually, I've got a heaps of slots free next Friday. Just let me work. But you're in WA, aren't you? Just just to confirm, not this Friday but next Friday. Right?","start_word":1590,"end_word":1709,"sentiment":"neutral","sentiment_score":0.08635343611240387},{"text":"Next Beautiful.","start_word":1710,"end_word":1711,"sentiment":"positive","sentiment_score":0.3757075071334839},{"text":"Friday. Correct. So next Friday, I've Sounds got anywhere between two hours good. difference, 09:30 your time, Yep. all the way up until midday. Last two meter. Same Midday. time. Just a minute. Yep. Alright. So I'll do midday SOA, and I'll include the insurance, new portfolio, and some figures for... Since you've been a client, let's say, the last four years or so. Yep. Not business. Sounds good. What?","start_word":1712,"end_word":1781,"sentiment":"neutral","sentiment_score":0.05966714769601822},{"text":"Awesome.","start_word":1782,"end_word":1782,"sentiment":"positive","sentiment_score":0.6813100576400757},{"text":"Any questions for me at this point?","start_word":1783,"end_word":1789,"sentiment":"neutral","sentiment_score":0.276408851146698},{"text":"Cool. Alrighty. I will get to it, mate, and I shall talk to you next Friday. Thank you so much for your time. Talk to you then.","start_word":1790,"end_word":1816,"sentiment":"positive","sentiment_score":0.5335932970046997},{"text":"Bye.","start_word":1817,"end_word":1817,"sentiment":"neutral","sentiment_score":0.28264713287353516}],"average":{"sentiment":"neutral","sentiment_score":0.07109266673334881}}}}