{"metadata":{"transaction_key":"deprecated","request_id":"019e4dd1-f7c4-7712-8f49-375ec8e11695","sha256":"79c541713b71bc14f24aa133ec45507a4389c5e4d1aababae60b0b7efc0ad190","created":"2026-05-22T03:54:28.982Z","duration":1883.9519,"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":6313,"output_tokens":149},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7215,"output_tokens":7229},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7215,"output_tokens":614}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Larissa from OP Financial. How are you going? Good. Thank you. Sorry to call you out of the blue. I was just giving you a call. Caden, my administrate administrator, had just passed on your file to me. So I'm the head of advice at Berkeley Financial, and he had asked me to have a look over things because previously, you had lived overseas, and and he wanted me to reach out because as I understand, he moved back to Australia. Yeah. And I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different. If you had some time to chat now or I could give you a callback? Yeah. Perfect. Nope. Amazing. Well, before I jump into it, I should definitely let you know that our calls are recorded. And if I could just get you some some security for me, just full name, date of birth, and your email address, if we could, rather than me getting you to hide the address from. Yes. That's okay. And date of birth and email address? Yep. Perfect. So change of name. Good news, bad news. That's why I asked it that way because sometimes, you know, what others expect to be bad news is good and vice versa. Yeah. Look. Sometimes it's better to have loved than lost and all that, you know, good stuff. How are you going, I guess, reacclimating to Australia? How are you going reacclimating to Australia? Of course. Are you able to get them, like, shipped over? Or get Yeah. Yeah. Absolutely. To get them yeah. Absolutely. I'm so I guess to segue back, have you gone back and assumed Peak as your name? Oh, you're okay. Sorry. You're still you're still on the And so what is your so what's your last name that you're, like, that you're legally known by right now? C h I z o t. Okay. Perfect. Okay. So do you like, you your, like, driver's license and everything is in that in that name? Right. Did you want to update, like, any of your funds to be in that name, or you're intending or of Yep. Bye. Yeah. Oh, let me help you out. That's okay. I can Cool. Perfect. That's a good start. And they're basically the ones that we start with. So driver's license, Medicare, tax file number. Have we gone and hit the banks up yet and changed everything with the bank? Yes. No. Perfect. No. And that's basically the way that we we kinda roll things. So it's once we get our driver's license and we get that shipped, that gives us a good basis because main roads accepts marriage certificate. No one else really does. So driver's license and the marriage certificate will be able to change everything else, which will be good. So we've got you've got the main ones done with with taking with going and doing the banks. That's great. And then I can help you out with, like, the super funds and everything like that. I did just receive an email just before, though, to flag that there had been a request on your super fund to roll funds out of your account into, obviously, somewhere else. Yep. Yeah. Oh, hi. So I guess there's a couple of different options we have with respect to moving forward. Realistically and openly, I am here to provide a service and help you out. Now you, at any point in time, can choose to take that service or not take that service. If you want to move your funds to rest, you are fully well within your right, and I am happy to well, not happy, but I'm happy to honor the request that you're making to move over that way. The other alternative is that you and I have, I guess, a broader conversation about where you're at, the massive changes that you've you've gone through, and where things fit. Because, obviously, you've gone through this whirlwind of everything. We're back in Australia. We're starting a new job. You know, we can talk about possibly saving strategies to try and build up the funds to get the jobs shipped over and just kind of you know, I can help you work through, I guess, some of the mental load that happens when we have a massive life shift. And in that, we can also look at where the investments sit. The market made a drastic change. So, you know, if you're uncomfortable with the market volatility and where it currently sits, we can definitely have a look at that and maybe take a little bit more of a conservative approach or have a look at how we've honestly invested overall to make sure that we're fitting nicely. Because you are from a from a service point of view, we would wanna review everything annually. And you're basically just lapsing your annual, I guess, meeting to be able to kind of have this broader conversation. Now, again, if you just wanna just quietly go in, you know, go into the dark type of thing and manage it yourself, I'm I'm happy for you to for you to do that. Sad to see you go, but I can understand. Sometimes talking about things is more arduous than just letting them ride. But my job is to to, you know, help people out. And if I can't help you, then I'll tell you to go over to rest or recommend another provider as well. I can say that, you know, there hasn't been too many changes on your hub twenty four fund in a little bit. And there's been, obviously, the last twelve months, the market's been extremely volatile. There's been a lot of big changes that have happened. So there's definitely things that we can do within the funds to make things a little bit better, make you know, get some investment returns really happening without being really, really aggressive. So, you know, get those returns without taking on heaps of risk. Because I do appreciate that, you know, we are coming towards our our retirement phase, and we don't wanna be taking too too much at risk. Not trying to put words in your mouth, but, you know, there are definitely options that we can look at in that realm if you would like to. Okay. So if you want me to have a yeah. Sorry, doll. Yeah. Yeah. Yeah. You just pressed the button. No. That's okay. Alright. Well, I can tell you now, I guess, now that I've rambled at you for a while. Sorry. The coffee's definitely hit. The name on the request is obviously different. Your rest fund and the hub twenty four fund, yep, they differ, and hub twenty four can't marry them up to allow that payment to go through. So we do need to update your name anyway. So I'm happy to to to do it. I'll fill out the form that's required. And if you're able to send a copy of your marriage certificate through and a copy of your driver's license, I can send you the that's okay. That's that's fine. Is it perfect. Yep. Just Yep. It will. Yes. Yes. It will. Have you have you gotten away with it with a stat debt? Like, if that statutory declaration, or have you just been providing your marriage divorce certificate? Yep. Take the statement. Yep. Yeah. Yep. Yeah. That's super no. That's okay. I can give you a hand with that. One of the quickest ways to do it is a stat deck. But the marriage certificates, if you have them on hand, they also work well. It's just a matter of literally jumping through and jumping through the hoops. Don't don't me wrong. I've been doing this for a good over over a decade, and I have unfortunately come across a few clients that didn't have the marriage, the divorce certificates, and chasing those out were a pain. So SnapDeck was the way back then, but if you have the certificates, it makes it a lot easier. So I can fill out the form and get that done. I'm gonna assume that our address has changed as well because we're obviously no longer in the I don't have that listed any yes. I have the ad. You didn't lose your address. So did you did you want me to update your address so that way we're I can I can update it on your fund as well? Perfect. So what was your new postal living address? Unit four. How do you spell Anglesey? Sorry. Yep. Yep. Yep. It's okay. Perfect. It was literally just Angle C. Cool. I just wasn't sure if I was being a bit special on that. And what suburb was that? Sorry. Perfect. Amazing. Alright. Now that's that. And that would be 7004 is the postcode. And that's postal and living. Yep. Perfect. Okay. Well, I can get that updated across everything on my side so I can get Hub 24 done. Have you already updated rest with your address? Yeah. Perfect. Okay. Good. Alright. Well, what I guess I wanna do and it doesn't have to be today because I know I called you out of the blue so we can schedule a time where, I guess, you're a little bit more in the headspace, and we can sit down and talk about everything. And we can go through what your goals are, where things are sitting for you now. I can make sure all the details I have on file for you are up to date. So we can go through the fact find or data collection that we hold, and we can work out, you know, where we're at, where we wanna head to, and then I can put all the pieces together to help us get there. And if we wanna talk I guess, now's a good enough time to ask. What kind of, I guess, advice scope do you want to talk about? We can definitely touch on the super. That's that's, I I guess, a bit of a given. But is there anything else that really comes to mind that you would wanna raise and talk about based on how everything's changed recently? Yeah. Do you know how much it's gonna cost to ship them? Okay. So little bit, but not look. It's they're they're expensive. They're not crazy. I was thinking in the, you know, 20 to 25. Okay. And I guess, like, your ex is like, there's no custody issues with getting them back. Like, it's not a custody battle or anything like that. It's just the money situation. Yep. Pay for it. Of course. Of course. So it's not not a very amicable split. What if if I may ask, what assets do you like, did do you have do you have anything left over there apart from the dogs and the car you funded? Surely I mean, don't get me wrong. I'm not a lawyer in The Caribbean. But surely, that would still become a marital asset and is divisible between the two of you upon financial separation and divorce settlement. Yeah. Okay. They may direct you to someone in The Caribbean just to give you, I guess, a bit of a head just because generally, like yeah. Yeah. Was it a beautiful whirlwind, though? Did you have fun? Yeah. Yeah. Yeah. You're fine, sweetheart. Put me on hold. You're fine. I love this. Yeah. Yep. Yeah. Yeah. Yeah. Because it just fills the gap. Not at not at all. It's why a yeah. No. Not at all. A, you have to look after yourself, and, b, there's you know? What's it called? That period of time where they can fire you at any point. Notice period. Yeah. I can't even think of the words myself. I I know. Me too. Probation. Yes. So there's nothing wrong. You with an employee are put are allowed to put a company on probation just as much as they put you on probation. You're not happy there, and and, ultimately, the travel starts. There's nothing wrong with you being able to leave. Yeah. Yeah. Yes. Fair enough. No. Absolutely. There's nothing wrong with that at all, hon. You're allowed to have an interim job just to get you on your feet and go from there. Can I ask well, I guess, while we're talking about it, how much is the income on them? How much is are they offering you an income? Yeah. Perfect. Yeah. So it's not too bad. And then you're waiting to hear from CSR. Oh, in interview next Friday. Oh, perfect. What are the jobs in, if I could ask? Like, is it it's, like, sales sales rep? Business develop? Oh, yeah. Like a BDM. Perfect. Okay. See Hobart's a little bit better because you don't have to travel to and from. Not that you're, like, doing the Not that you have to pay for the fuel, but irrespective, your time is worth money as well when traveling from Hobart to Launceston, Spain. Yeah. Yes. Yep. Yeah. Yeah. Yeah. Yeah. I could see. Don't be. They value, obviously, your knowledge and skills. Yeah. But when you have that knowledge and skills, it works. Get it, girl. That's okay. Alright. Okay. So we've got a lot of big things happening, a lot of things moving. Let's let's tee up a time when would work for you, like next week, week after. If you wanna wait until after you hear hear about the job, we can touch base then. Or That's okay, hon. Absolutely. Let me bring up my calendar. Where is my calendar? That's an excellent question. Where's this issue? There it is. Next week. Alright. So that is the week of the twenty fifth. I can no. That's okay. My brain's pretty dead by a Friday anyway. So we could do any day, really. Mondays are pretty much the out, so let's go Tuesday, Wednesday, Thursday. When do you wanna have a chat? Alright. Perfect. So I'm gonna go first up in the morning when we're fresh. We have a coffee on our lap, and we're ready to go. Oh, sorry. You did say I'm so sorry. Yes. Yes. Yes. Afternoon. Sorry. After four. Sorry about that, doll. Okay. Yes. Yeah. No. That's absolutely fine. No. Absolutely. This guy lives on coffee. Alright. So and so the one thing I would like you to do if you're able to, I can send you an email. And if you are able to get a report on your rest super fund, I don't have access to it at the moment. The authority we used to have on file lapses regularly, and I wanna be able to have a look at that, I guess, prior to us having a chat. So that way, I can look at both the funds and where they're sitting and just a like, an annual statement report. You should be able to generate one from the platform, like the login. Look at you there. Yeah. It should be in there. Working again. Yeah. No. That that's members' meeting. The other option, I guess, if you are able to just take a screenshot of the, like, transactions page and the investments page and the balance, that gives me a lot of everything. Yeah. Go for it. Yep. Perfect. Oh, well, let's just do it this way. What are the investments? No. That should be it. That'll be the that'll be just the ref Thai growth asset. That's fine. And the last employer contribution, I'm assuming, was well over twelve months ago. Yeah. Cool. That that's absolutely okay. Perfect. Okay. That pretty much covers everything else. No insurance lapse because of the no contributions, investment. Amazing. Everything else, I'll have a statement that'll be a little bit older that I can have a look at some of, like, the specific dates when the account was set up and stuff like that. Just back back end information that's generally a bit hard for you to access through the portal anyway. That gives me everything on that front. And then what I will do do you live and die by your calendar? Do? Cool. So what I'm gonna do is I'm gonna invite you to the meeting so that way it's in your calendar, and neither of us can forget. That way it pops up, and it's there for you. Okay? There we go. Now during that meeting, do you wanna talk about cash flow and budgeting, or do you wanna wait a little bit until we get the job and we know what our income's gonna be and we can kinda go from there? This is true. That's absolutely okay. Yeah. No. That's okay. Alright. Well, we can do you want me to send you a bit of a budget so you can kind of start playing around with it? I mean, sometimes a lot of budgeting discussion is just a friendly ear to lean on while you work out where things are at. I can send you a bit of a budget tool that'll let you kind of play with what you're earning and go from there. Yeah. Okay. I'll email that to you. And then my other question, did you wanna meet virtually, like, a face like, through Google or Teams, or are you happy to do a phone call? I I don't mind. I don't mind. It's just more of a on a Thursday afternoon, if you're gonna be in transit, we obviously can't Google Meet. We can do do a phone call, but it's just it's your preference. Perfect. That's okay. Just wanted to double check. Alright. I've sent that off to you. So you'll have that sitting in your calendar so that way we're able to it's able to remind you. And I'll send you an email now with that budgeting or cash flow tool. Okay? That's okay, and we'll speak next Thursday. That's okay. We'll speak then. Yeah. You too, Lisa. 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Larissa from OP Financial. How are you going? Good. Thank you.\n\nSorry to call you out of the blue. I was just giving you a call. Caden, my administrate administrator, had just passed on your file to me. So I'm the head of advice at Berkeley Financial, and he had asked me to have a look over things because previously, you had lived overseas, and and he wanted me to reach out because as I understand, he moved back to Australia. Yeah.\n\nAnd I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different. If you had some time to chat now or I could give you a callback? Yeah. Perfect. Nope.\n\nAmazing. Well, before I jump into it, I should definitely let you know that our calls are recorded. And if I could just get you some some security for me, just full name, date of birth, and your email address, if we could, rather than me getting you to hide the address from. Yes. That's okay.\n\nAnd date of birth and email address? Yep. Perfect. So change of name. Good news, bad news.\n\nThat's why I asked it that way because sometimes, you know, what others expect to be bad news is good and vice versa. Yeah. Look. Sometimes it's better to have loved than lost and all that, you know, good stuff. How are you going, I guess, reacclimating to Australia?\n\nHow are you going reacclimating to Australia? Of course. Are you able to get them, like, shipped over? Or get Yeah. Yeah.\n\nAbsolutely. To get them yeah. Absolutely. I'm so I guess to segue back, have you gone back and assumed Peak as your name? Oh, you're okay.\n\nSorry. You're still you're still on the And so what is your so what's your last name that you're, like, that you're legally known by right now? C h I z o t. Okay. Perfect.\n\nOkay. So do you like, you your, like, driver's license and everything is in that in that name? Right. Did you want to update, like, any of your funds to be in that name, or you're intending or of Yep. Bye.\n\nYeah. Oh, let me help you out. That's okay. I can Cool. Perfect.\n\nThat's a good start. And they're basically the ones that we start with. So driver's license, Medicare, tax file number. Have we gone and hit the banks up yet and changed everything with the bank? Yes.\n\nNo. Perfect. No. And that's basically the way that we we kinda roll things. So it's once we get our driver's license and we get that shipped, that gives us a good basis because main roads accepts marriage certificate.\n\nNo one else really does. So driver's license and the marriage certificate will be able to change everything else, which will be good. So we've got you've got the main ones done with with taking with going and doing the banks. That's great. And then I can help you out with, like, the super funds and everything like that.\n\nI did just receive an email just before, though, to flag that there had been a request on your super fund to roll funds out of your account into, obviously, somewhere else. Yep. Yeah. Oh, hi. So I guess there's a couple of different options we have with respect to moving forward.\n\nRealistically and openly, I am here to provide a service and help you out. Now you, at any point in time, can choose to take that service or not take that service. If you want to move your funds to rest, you are fully well within your right, and I am happy to well, not happy, but I'm happy to honor the request that you're making to move over that way. The other alternative is that you and I have, I guess, a broader conversation about where you're at, the massive changes that you've you've gone through, and where things fit. Because, obviously, you've gone through this whirlwind of everything.\n\nWe're back in Australia. We're starting a new job. You know, we can talk about possibly saving strategies to try and build up the funds to get the jobs shipped over and just kind of you know, I can help you work through, I guess, some of the mental load that happens when we have a massive life shift. And in that, we can also look at where the investments sit. The market made a drastic change.\n\nSo, you know, if you're uncomfortable with the market volatility and where it currently sits, we can definitely have a look at that and maybe take a little bit more of a conservative approach or have a look at how we've honestly invested overall to make sure that we're fitting nicely. Because you are from a from a service point of view, we would wanna review everything annually. And you're basically just lapsing your annual, I guess, meeting to be able to kind of have this broader conversation. Now, again, if you just wanna just quietly go in, you know, go into the dark type of thing and manage it yourself, I'm I'm happy for you to for you to do that. Sad to see you go, but I can understand.\n\nSometimes talking about things is more arduous than just letting them ride. But my job is to to, you know, help people out. And if I can't help you, then I'll tell you to go over to rest or recommend another provider as well. I can say that, you know, there hasn't been too many changes on your hub twenty four fund in a little bit. And there's been, obviously, the last twelve months, the market's been extremely volatile.\n\nThere's been a lot of big changes that have happened. So there's definitely things that we can do within the funds to make things a little bit better, make you know, get some investment returns really happening without being really, really aggressive. So, you know, get those returns without taking on heaps of risk. Because I do appreciate that, you know, we are coming towards our our retirement phase, and we don't wanna be taking too too much at risk. Not trying to put words in your mouth, but, you know, there are definitely options that we can look at in that realm if you would like to.\n\nOkay. So if you want me to have a yeah. Sorry, doll. Yeah. Yeah.\n\nYeah. You just pressed the button. No. That's okay. Alright.\n\nWell, I can tell you now, I guess, now that I've rambled at you for a while. Sorry. The coffee's definitely hit. The name on the request is obviously different. Your rest fund and the hub twenty four fund, yep, they differ, and hub twenty four can't marry them up to allow that payment to go through.\n\nSo we do need to update your name anyway. So I'm happy to to to do it. I'll fill out the form that's required. And if you're able to send a copy of your marriage certificate through and a copy of your driver's license, I can send you the that's okay. That's that's fine.\n\nIs it perfect. Yep. Just Yep. It will. Yes.\n\nYes. It will. Have you have you gotten away with it with a stat debt? Like, if that statutory declaration, or have you just been providing your marriage divorce certificate? Yep.\n\nTake the statement. Yep. Yeah. Yep. Yeah.\n\nThat's super no. That's okay. I can give you a hand with that. One of the quickest ways to do it is a stat deck. But the marriage certificates, if you have them on hand, they also work well.\n\nIt's just a matter of literally jumping through and jumping through the hoops. Don't don't me wrong. I've been doing this for a good over over a decade, and I have unfortunately come across a few clients that didn't have the marriage, the divorce certificates, and chasing those out were a pain. So SnapDeck was the way back then, but if you have the certificates, it makes it a lot easier. So I can fill out the form and get that done.\n\nI'm gonna assume that our address has changed as well because we're obviously no longer in the I don't have that listed any yes. I have the ad. You didn't lose your address. So did you did you want me to update your address so that way we're I can I can update it on your fund as well? Perfect.\n\nSo what was your new postal living address? Unit four. How do you spell Anglesey? Sorry. Yep.\n\nYep. Yep. It's okay. Perfect. It was literally just Angle C.\n\nCool. I just wasn't sure if I was being a bit special on that. And what suburb was that? Sorry. Perfect.\n\nAmazing. Alright. Now that's that. And that would be 7004 is the postcode. And that's postal and living.\n\nYep. Perfect. Okay. Well, I can get that updated across everything on my side so I can get Hub 24 done. Have you already updated rest with your address?\n\nYeah. Perfect. Okay. Good. Alright.\n\nWell, what I guess I wanna do and it doesn't have to be today because I know I called you out of the blue so we can schedule a time where, I guess, you're a little bit more in the headspace, and we can sit down and talk about everything. And we can go through what your goals are, where things are sitting for you now. I can make sure all the details I have on file for you are up to date. So we can go through the fact find or data collection that we hold, and we can work out, you know, where we're at, where we wanna head to, and then I can put all the pieces together to help us get there. And if we wanna talk I guess, now's a good enough time to ask.\n\nWhat kind of, I guess, advice scope do you want to talk about? We can definitely touch on the super. That's that's, I I guess, a bit of a given. But is there anything else that really comes to mind that you would wanna raise and talk about based on how everything's changed recently? Yeah.\n\nDo you know how much it's gonna cost to ship them? Okay. So little bit, but not look. It's they're they're expensive. They're not crazy.\n\nI was thinking in the, you know, 20 to 25. Okay. And I guess, like, your ex is like, there's no custody issues with getting them back. Like, it's not a custody battle or anything like that. It's just the money situation.\n\nYep. Pay for it. Of course. Of course. So it's not not a very amicable split.\n\nWhat if if I may ask, what assets do you like, did do you have do you have anything left over there apart from the dogs and the car you funded? Surely I mean, don't get me wrong. I'm not a lawyer in The Caribbean. But surely, that would still become a marital asset and is divisible between the two of you upon financial separation and divorce settlement. Yeah.\n\nOkay. They may direct you to someone in The Caribbean just to give you, I guess, a bit of a head just because generally, like yeah. Yeah. Was it a beautiful whirlwind, though? Did you have fun?\n\nYeah. Yeah. Yeah. You're fine, sweetheart. Put me on hold.\n\nYou're fine. I love this. Yeah. Yep. Yeah.\n\nYeah. Yeah. Because it just fills the gap. Not at not at all. It's why a yeah.\n\nNo. Not at all. A, you have to look after yourself, and, b, there's you know? What's it called? That period of time where they can fire you at any point.\n\nNotice period. Yeah. I can't even think of the words myself. I I know. Me too.\n\nProbation. Yes. So there's nothing wrong. You with an employee are put are allowed to put a company on probation just as much as they put you on probation. You're not happy there, and and, ultimately, the travel starts.\n\nThere's nothing wrong with you being able to leave. Yeah. Yeah. Yes. Fair enough.\n\nNo. Absolutely. There's nothing wrong with that at all, hon. You're allowed to have an interim job just to get you on your feet and go from there. Can I ask well, I guess, while we're talking about it, how much is the income on them?\n\nHow much is are they offering you an income? Yeah. Perfect. Yeah. So it's not too bad.\n\nAnd then you're waiting to hear from CSR. Oh, in interview next Friday. Oh, perfect. What are the jobs in, if I could ask? Like, is it it's, like, sales sales rep?\n\nBusiness develop? Oh, yeah. Like a BDM. Perfect. Okay.\n\nSee Hobart's a little bit better because you don't have to travel to and from. Not that you're, like, doing the Not that you have to pay for the fuel, but irrespective, your time is worth money as well when traveling from Hobart to Launceston, Spain. Yeah. Yes. Yep.\n\nYeah. Yeah. Yeah. Yeah. I could see.\n\nDon't be. They value, obviously, your knowledge and skills. Yeah. But when you have that knowledge and skills, it works. Get it, girl.\n\nThat's okay. Alright. Okay. So we've got a lot of big things happening, a lot of things moving. Let's let's tee up a time when would work for you, like next week, week after.\n\nIf you wanna wait until after you hear hear about the job, we can touch base then. Or That's okay, hon. Absolutely. Let me bring up my calendar. Where is my calendar?\n\nThat's an excellent question. Where's this issue? There it is. Next week. Alright.\n\nSo that is the week of the twenty fifth. I can no. That's okay. My brain's pretty dead by a Friday anyway. So we could do any day, really.\n\nMondays are pretty much the out, so let's go Tuesday, Wednesday, Thursday. When do you wanna have a chat? Alright. Perfect. So I'm gonna go first up in the morning when we're fresh.\n\nWe have a coffee on our lap, and we're ready to go. Oh, sorry. You did say I'm so sorry. Yes. Yes.\n\nYes. Afternoon. Sorry. After four. Sorry about that, doll.\n\nOkay. Yes. Yeah. No. That's absolutely fine.\n\nNo. Absolutely. This guy lives on coffee. Alright. So and so the one thing I would like you to do if you're able to, I can send you an email.\n\nAnd if you are able to get a report on your rest super fund, I don't have access to it at the moment. The authority we used to have on file lapses regularly, and I wanna be able to have a look at that, I guess, prior to us having a chat. So that way, I can look at both the funds and where they're sitting and just a like, an annual statement report. You should be able to generate one from the platform, like the login. Look at you there.\n\nYeah. It should be in there. Working again. Yeah. No.\n\nThat that's members' meeting. The other option, I guess, if you are able to just take a screenshot of the, like, transactions page and the investments page and the balance, that gives me a lot of everything. Yeah. Go for it. Yep.\n\nPerfect. Oh, well, let's just do it this way. What are the investments? No. That should be it.\n\nThat'll be the that'll be just the ref Thai growth asset. That's fine. And the last employer contribution, I'm assuming, was well over twelve months ago. Yeah. Cool.\n\nThat that's absolutely okay. Perfect. Okay. That pretty much covers everything else. No insurance lapse because of the no contributions, investment.\n\nAmazing. Everything else, I'll have a statement that'll be a little bit older that I can have a look at some of, like, the specific dates when the account was set up and stuff like that. Just back back end information that's generally a bit hard for you to access through the portal anyway. That gives me everything on that front. And then what I will do do you live and die by your calendar?\n\nDo? Cool. So what I'm gonna do is I'm gonna invite you to the meeting so that way it's in your calendar, and neither of us can forget. That way it pops up, and it's there for you. Okay?\n\nThere we go. Now during that meeting, do you wanna talk about cash flow and budgeting, or do you wanna wait a little bit until we get the job and we know what our income's gonna be and we can kinda go from there? This is true. That's absolutely okay. Yeah.\n\nNo. That's okay. Alright. Well, we can do you want me to send you a bit of a budget so you can kind of start playing around with it? I mean, sometimes a lot of budgeting discussion is just a friendly ear to lean on while you work out where things are at.\n\nI can send you a bit of a budget tool that'll let you kind of play with what you're earning and go from there. Yeah. Okay. I'll email that to you. And then my other question, did you wanna meet virtually, like, a face like, through Google or Teams, or are you happy to do a phone call?\n\nI I don't mind. I don't mind. It's just more of a on a Thursday afternoon, if you're gonna be in transit, we obviously can't Google Meet. We can do do a phone call, but it's just it's your preference. Perfect.\n\nThat's okay. Just wanted to double check. Alright. I've sent that off to you. So you'll have that sitting in your calendar so that way we're able to it's able to remind you.\n\nAnd I'll send you an email now with that budgeting or cash flow tool. Okay? That's okay, and we'll speak next Thursday. That's okay. We'll speak then.\n\nYeah. You too, Lisa. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.12994064390659332},{"text":"Larissa from OP Financial.","start":4.3199997,"end":5.92,"sentiment":"neutral","sentiment_score":0.16465811431407928},{"text":"How are you going?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.18816260993480682},{"text":"Good.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.44825202226638794},{"text":"Thank you.","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.5221434831619263}],"sentiment":"neutral","sentiment_score":0.25281354412436485,"num_words":12,"start":2.6399999,"end":10.26},{"sentences":[{"text":"Sorry to call you out of the blue.","start":11.12,"end":12.48,"sentiment":"neutral","sentiment_score":0.042222080286592245},{"text":"I was just giving you a call.","start":12.48,"end":14.34,"sentiment":"neutral","sentiment_score":0.01962600089609623},{"text":"Caden, my administrate administrator, had just passed on your file to me.","start":15.474999,"end":21.814999,"sentiment":"neutral","sentiment_score":0.01888290699571371},{"text":"So I'm the head of advice at Berkeley Financial, and he had asked me to have a look over things because previously, you had lived overseas, and and he wanted me to reach out because as I understand, he moved back to Australia.","start":21.955,"end":37.43,"sentiment":"neutral","sentiment_score":-0.00831347948676625},{"text":"Yeah.","start":39.25,"end":39.75,"sentiment":"neutral","sentiment_score":0.03809918090701103}],"sentiment":"neutral","sentiment_score":0.005385536556197724,"num_words":71,"start":11.12,"end":39.75},{"sentences":[{"text":"And I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different.","start":40.05,"end":48.045002,"sentiment":"neutral","sentiment_score":0.03384043342403827},{"text":"If you had some time to chat now or I could give you a callback?","start":48.425,"end":53.005,"sentiment":"neutral","sentiment_score":0.029179900512099267},{"text":"Yeah.","start":54.665,"end":54.985,"sentiment":"neutral","sentiment_score":0.0336633138358593},{"text":"Perfect.","start":54.985,"end":55.485,"sentiment":"neutral","sentiment_score":0.30809512734413147},{"text":"Nope.","start":56.27,"end":56.35,"sentiment":"neutral","sentiment_score":0.22256791591644287}],"sentiment":"neutral","sentiment_score":0.04185874083516549,"num_words":49,"start":40.05,"end":56.35},{"sentences":[{"text":"Amazing.","start":56.35,"end":56.85,"sentiment":"positive","sentiment_score":0.3601209819316864},{"text":"Well, before I jump into it, I should definitely let you know that our calls are recorded.","start":56.989998,"end":60.449997,"sentiment":"neutral","sentiment_score":0.10705074185834211},{"text":"And if I could just get you some some security for me, just full name, date of birth, and your email address, if we could, rather than me getting you to hide the address from.","start":61.23,"end":70.29,"sentiment":"neutral","sentiment_score":0.04647935618247304},{"text":"Yes.","start":77.415,"end":77.915,"sentiment":"neutral","sentiment_score":0.005999883636832237},{"text":"That's okay.","start":83.67,"end":84.57,"sentiment":"neutral","sentiment_score":0.018237529322504997}],"sentiment":"neutral","sentiment_score":0.06873635718199823,"num_words":56,"start":56.35,"end":84.57},{"sentences":[{"text":"And date of birth and email address?","start":84.79,"end":88.09,"sentiment":"neutral","sentiment_score":0.008194724230894021},{"text":"Yep.","start":91.27,"end":91.77,"sentiment":"neutral","sentiment_score":0.0064429426565766335},{"text":"Perfect.","start":95.59,"end":96.09,"sentiment":"neutral","sentiment_score":0.1009921208024025},{"text":"So change of name.","start":97.270004,"end":98.81,"sentiment":"neutral","sentiment_score":0.026062237098813057},{"text":"Good news, bad news.","start":99.685,"end":106.424995,"sentiment":"neutral","sentiment_score":0.062787807546556}],"sentiment":"neutral","sentiment_score":0.03059990068568903,"num_words":17,"start":84.79,"end":106.424995},{"sentences":[{"text":"That's why I asked it that way because sometimes, you know, what others expect to be bad news is good and vice versa.","start":106.485,"end":113.305,"sentiment":"neutral","sentiment_score":-0.019614279351156692},{"text":"Yeah.","start":121.28,"end":121.759995,"sentiment":"neutral","sentiment_score":0.067839615046978},{"text":"Look.","start":121.759995,"end":122.159996,"sentiment":"neutral","sentiment_score":0.09350942075252532},{"text":"Sometimes it's better to have loved than lost and all that, you know, good stuff.","start":122.159996,"end":126.74,"sentiment":"neutral","sentiment_score":0.22331382483243942},{"text":"How are you going, I guess, reacclimating to Australia?","start":129.515,"end":133.215,"sentiment":"neutral","sentiment_score":0.07086761544148128}],"sentiment":"neutral","sentiment_score":0.07546401065679229,"num_words":49,"start":106.485,"end":133.215},{"sentences":[{"text":"How are you going reacclimating to Australia?","start":135.275,"end":137.455,"sentiment":"neutral","sentiment_score":0.05937033253056662},{"text":"Of course.","start":145.85,"end":146.59,"sentiment":"neutral","sentiment_score":0.0017019333317875862},{"text":"Are you able to get them, like, shipped over?","start":148.49,"end":151.21,"sentiment":"neutral","sentiment_score":0.003674301008383433},{"text":"Or get Yeah.","start":151.21,"end":154.98499,"sentiment":"neutral","sentiment_score":-0.02589446057875951},{"text":"Yeah.","start":157.525,"end":157.92499,"sentiment":"neutral","sentiment_score":-0.04342220351099968}],"sentiment":"neutral","sentiment_score":0.015043605372987011,"num_words":22,"start":135.275,"end":157.92499},{"sentences":[{"text":"Absolutely.","start":157.92499,"end":158.42499,"sentiment":"neutral","sentiment_score":-0.1279945969581604},{"text":"To get them yeah.","start":161.44499,"end":162.665,"sentiment":"neutral","sentiment_score":-0.097746878862381},{"text":"Absolutely.","start":163.36499,"end":163.86499,"sentiment":"neutral","sentiment_score":0.07860352098941803},{"text":"I'm so I guess to segue back, have you gone back and assumed Peak as your name?","start":164.405,"end":171.95,"sentiment":"neutral","sentiment_score":0.010633711100501172},{"text":"Oh, you're okay.","start":176.81,"end":177.53,"sentiment":"neutral","sentiment_score":0.0014931516100962956}],"sentiment":"neutral","sentiment_score":-0.009812540303056057,"num_words":26,"start":157.92499,"end":177.53},{"sentences":[{"text":"Sorry.","start":177.53,"end":177.76999,"sentiment":"neutral","sentiment_score":-0.041038624942302704},{"text":"You're still you're still on the And so what is your so what's your last name that you're, like, that you're legally known by right now?","start":177.76999,"end":185.655,"sentiment":"neutral","sentiment_score":0.0014664611170211663},{"text":"C h I z o t.","start":190.115,"end":192.695,"sentiment":"neutral","sentiment_score":0.003738332772627473},{"text":"Okay.","start":194.16,"end":194.66,"sentiment":"neutral","sentiment_score":0.16228355467319489},{"text":"Perfect.","start":194.8,"end":195.3,"sentiment":"positive","sentiment_score":0.34435319900512695}],"sentiment":"neutral","sentiment_score":0.015033031840409551,"num_words":35,"start":177.53,"end":195.3},{"sentences":[{"text":"Okay.","start":197.12,"end":197.62,"sentiment":"neutral","sentiment_score":0.1454431563615799},{"text":"So do you like, you your, like, driver's license and everything is in that in that name?","start":199.92,"end":204.98,"sentiment":"neutral","sentiment_score":0.06720718522282208},{"text":"Right.","start":205.855,"end":206.355,"sentiment":"neutral","sentiment_score":0.039325863122940063},{"text":"Did you want to update, like, any of your funds to be in that name, or you're intending or of Yep.","start":209.135,"end":218.53,"sentiment":"neutral","sentiment_score":0.012380869515861074},{"text":"Bye.","start":219.95,"end":220.45,"sentiment":"neutral","sentiment_score":-0.02842336893081665}],"sentiment":"neutral","sentiment_score":0.03802112339450637,"num_words":41,"start":197.12,"end":220.45},{"sentences":[{"text":"Yeah.","start":228.27,"end":228.77,"sentiment":"neutral","sentiment_score":-0.09970207512378693},{"text":"Oh, let me help you out.","start":231.845,"end":233.765,"sentiment":"neutral","sentiment_score":0.03257381543517113},{"text":"That's okay.","start":233.765,"end":234.32501,"sentiment":"neutral","sentiment_score":0.07130346074700356},{"text":"I can Cool.","start":234.32501,"end":239.145,"sentiment":"neutral","sentiment_score":0.13144010305404663},{"text":"Perfect.","start":240.88501,"end":241.365,"sentiment":"positive","sentiment_score":0.6273047924041748}],"sentiment":"neutral","sentiment_score":0.09692098773442782,"num_words":13,"start":228.27,"end":241.365},{"sentences":[{"text":"That's a good start.","start":241.365,"end":242.24501,"sentiment":"positive","sentiment_score":0.6674479097127914},{"text":"And they're basically the ones that we start with.","start":242.24501,"end":244.485,"sentiment":"neutral","sentiment_score":0.18745222191015878},{"text":"So driver's license, Medicare, tax file number.","start":244.485,"end":248.99,"sentiment":"neutral","sentiment_score":0.07999212188380105},{"text":"Have we gone and hit the banks up yet and changed everything with the bank?","start":249.93001,"end":254.03,"sentiment":"neutral","sentiment_score":0.013879292582472166},{"text":"Yes.","start":258.82498,"end":259.32498,"sentiment":"neutral","sentiment_score":0.03703078627586365}],"sentiment":"neutral","sentiment_score":0.1433896295622819,"num_words":36,"start":241.365,"end":259.32498},{"sentences":[{"text":"No.","start":262.26498,"end":262.76498,"sentiment":"neutral","sentiment_score":-0.13539248704910278},{"text":"Perfect.","start":262.905,"end":263.405,"sentiment":"neutral","sentiment_score":0.05270031839609146},{"text":"No.","start":263.54498,"end":263.865,"sentiment":"neutral","sentiment_score":-0.20747488737106323},{"text":"And that's basically the way that we we kinda roll things.","start":263.865,"end":266.66498,"sentiment":"neutral","sentiment_score":-0.0770755484700203},{"text":"So it's once we get our driver's license and we get that shipped, that gives us a good basis because main roads accepts marriage certificate.","start":266.66498,"end":274.85,"sentiment":"neutral","sentiment_score":0.331415559053421}],"sentiment":"neutral","sentiment_score":0.18326643300362122,"num_words":39,"start":262.26498,"end":274.85},{"sentences":[{"text":"No one else really does.","start":275.47,"end":276.93002,"sentiment":"neutral","sentiment_score":0.13159755915403365},{"text":"So driver's license and the marriage certificate will be able to change everything else, which will be good.","start":277.23,"end":281.41,"sentiment":"positive","sentiment_score":0.5067614399724536},{"text":"So we've got you've got the main ones done with with taking with going and doing the banks.","start":282.875,"end":288.71503,"sentiment":"neutral","sentiment_score":0.3147348339358966},{"text":"That's great.","start":288.71503,"end":289.45502,"sentiment":"positive","sentiment_score":0.7729603052139282},{"text":"And then I can help you out with, like, the super funds and everything like that.","start":289.83502,"end":293.695,"sentiment":"positive","sentiment_score":0.4382492508739233}],"sentiment":"positive","sentiment_score":0.4068276161106966,"num_words":59,"start":275.47,"end":293.695},{"sentences":[{"text":"I did just receive an email just before, though, to flag that there had been a request on your super fund to roll funds out of your account into, obviously, somewhere else.","start":294.475,"end":311.34998,"sentiment":"neutral","sentiment_score":0.05146444286219776},{"text":"Yep.","start":315.095,"end":315.595,"sentiment":"neutral","sentiment_score":0.12340130656957626},{"text":"Yeah.","start":341.365,"end":341.525,"sentiment":"neutral","sentiment_score":0.055536918342113495},{"text":"Oh, hi.","start":341.525,"end":342.185,"sentiment":"neutral","sentiment_score":0.08225884288549423},{"text":"So I guess there's a couple of different options we have with respect to moving forward.","start":342.485,"end":348.10498,"sentiment":"neutral","sentiment_score":0.08870854554697871}],"sentiment":"neutral","sentiment_score":0.06557028482739742,"num_words":52,"start":294.475,"end":348.10498},{"sentences":[{"text":"Realistically and openly, I am here to provide a service and help you out.","start":349.87,"end":354.53,"sentiment":"neutral","sentiment_score":0.26358137811933247},{"text":"Now you, at any point in time, can choose to take that service or not take that service.","start":355.55,"end":361.65,"sentiment":"neutral","sentiment_score":0.021509007550776005},{"text":"If you want to move your funds to rest, you are fully well within your right, and I am happy to well, not happy, but I'm happy to honor the request that you're making to move over that way.","start":362.03,"end":373.75497,"sentiment":"neutral","sentiment_score":0.24742847356276634},{"text":"The other alternative is that you and I have, I guess, a broader conversation about where you're at, the massive changes that you've you've gone through, and where things fit.","start":373.895,"end":383.84,"sentiment":"neutral","sentiment_score":0.025925716323157152},{"text":"Because, obviously, you've gone through this whirlwind of everything.","start":384.7,"end":388.16,"sentiment":"neutral","sentiment_score":-0.07687781378626823}],"sentiment":"neutral","sentiment_score":0.12557166421955282,"num_words":110,"start":349.87,"end":388.16},{"sentences":[{"text":"We're back in Australia.","start":388.7,"end":389.5,"sentiment":"neutral","sentiment_score":0.020008104387670755},{"text":"We're starting a new job.","start":389.5,"end":390.64,"sentiment":"neutral","sentiment_score":0.023670655116438864},{"text":"You know, we can talk about possibly saving strategies to try and build up the funds to get the jobs shipped over and just kind of you know, I can help you work through, I guess, some of the mental load that happens when we have a massive life shift.","start":391.1,"end":406.095,"sentiment":"neutral","sentiment_score":0.22949036851525306},{"text":"And in that, we can also look at where the investments sit.","start":407.46,"end":410.66,"sentiment":"neutral","sentiment_score":0.12231534533202648},{"text":"The market made a drastic change.","start":410.66,"end":412.68,"sentiment":"neutral","sentiment_score":0.04595450311899185}],"sentiment":"neutral","sentiment_score":0.17423915950121818,"num_words":77,"start":388.7,"end":412.68},{"sentences":[{"text":"So, you know, if you're uncomfortable with the market volatility and where it currently sits, we can definitely have a look at that and maybe take a little bit more of a conservative approach or have a look at how we've honestly invested overall to make sure that we're fitting nicely.","start":413.46,"end":428.915,"sentiment":"neutral","sentiment_score":0.11946232149413988},{"text":"Because you are from a from a service point of view, we would wanna review everything annually.","start":429.375,"end":436.31,"sentiment":"neutral","sentiment_score":0.20765435958609862},{"text":"And you're basically just lapsing your annual, I guess, meeting to be able to kind of have this broader conversation.","start":436.31,"end":443.13,"sentiment":"neutral","sentiment_score":0.21145740672945976},{"text":"Now, again, if you just wanna just quietly go in, you know, go into the dark type of thing and manage it yourself, I'm I'm happy for you to for you to do that.","start":443.66998,"end":455.16498,"sentiment":"neutral","sentiment_score":0.22541109078070698},{"text":"Sad to see you go, but I can understand.","start":455.16498,"end":458.305,"sentiment":"neutral","sentiment_score":-0.29981766806708443}],"sentiment":"neutral","sentiment_score":0.14364479937171207,"num_words":131,"start":413.46,"end":458.305},{"sentences":[{"text":"Sometimes talking about things is more arduous than just letting them ride.","start":458.44498,"end":463.15,"sentiment":"negative","sentiment_score":-0.37344878539443016},{"text":"But my job is to to, you know, help people out.","start":465.53,"end":468.09,"sentiment":"neutral","sentiment_score":0.12464733760465276},{"text":"And if I can't help you, then I'll tell you to go over to rest or recommend another provider as well.","start":468.09,"end":475.31,"sentiment":"neutral","sentiment_score":-0.0658142442504565},{"text":"I can say that, you know, there hasn't been too many changes on your hub twenty four fund in a little bit.","start":476.16498,"end":482.26498,"sentiment":"neutral","sentiment_score":-0.03082513860003515},{"text":"And there's been, obviously, the last twelve months, the market's been extremely volatile.","start":482.88498,"end":487.44498,"sentiment":"neutral","sentiment_score":-0.2035647091957239}],"sentiment":"neutral","sentiment_score":-0.09894757100109812,"num_words":79,"start":458.44498,"end":487.44498},{"sentences":[{"text":"There's been a lot of big changes that have happened.","start":487.44498,"end":490.025,"sentiment":"neutral","sentiment_score":-0.16709428504109383},{"text":"So there's definitely things that we can do within the funds to make things a little bit better, make you know, get some investment returns really happening without being really, really aggressive.","start":490.27,"end":502.44998,"sentiment":"positive","sentiment_score":0.36930902511812747},{"text":"So, you know, get those returns without taking on heaps of risk.","start":503.085,"end":506.385,"sentiment":"neutral","sentiment_score":0.2502554686119159},{"text":"Because I do appreciate that, you know, we are coming towards our our retirement phase, and we don't wanna be taking too too much at risk.","start":506.765,"end":514.225,"sentiment":"neutral","sentiment_score":0.31061299317158186},{"text":"Not trying to put words in your mouth, but, you know, there are definitely options that we can look at in that realm if you would like to.","start":514.525,"end":521.35004,"sentiment":"neutral","sentiment_score":0.20861015136220626}],"sentiment":"neutral","sentiment_score":0.25062068182699104,"num_words":108,"start":487.44498,"end":521.35004},{"sentences":[{"text":"Okay.","start":530.86505,"end":531.36505,"sentiment":"neutral","sentiment_score":0.08266453444957733},{"text":"So if you want me to have a yeah.","start":531.905,"end":533.825,"sentiment":"neutral","sentiment_score":0.05487565240926213},{"text":"Sorry, doll.","start":533.825,"end":534.645,"sentiment":"neutral","sentiment_score":0.0024499259889125824},{"text":"Yeah.","start":542.16,"end":542.66,"sentiment":"neutral","sentiment_score":0.04728401079773903},{"text":"Yeah.","start":556.175,"end":556.675,"sentiment":"neutral","sentiment_score":0.048732876777648926}],"sentiment":"neutral","sentiment_score":0.0483901532632964,"num_words":14,"start":530.86505,"end":556.675},{"sentences":[{"text":"Yeah.","start":557.295,"end":557.695,"sentiment":"neutral","sentiment_score":0.04979975521564483},{"text":"You just pressed the button.","start":557.695,"end":558.65497,"sentiment":"neutral","sentiment_score":0.02464093156158924},{"text":"No.","start":558.65497,"end":558.815,"sentiment":"neutral","sentiment_score":-0.04017220437526703},{"text":"That's okay.","start":558.815,"end":559.555,"sentiment":"neutral","sentiment_score":0.008530736900866032},{"text":"Alright.","start":559.935,"end":560.435,"sentiment":"neutral","sentiment_score":0.08586812019348145}],"sentiment":"neutral","sentiment_score":0.023576180264353753,"num_words":10,"start":557.295,"end":560.435},{"sentences":[{"text":"Well, I can tell you now, I guess, now that I've rambled at you for a while.","start":560.895,"end":566.03,"sentiment":"neutral","sentiment_score":-0.0037038720705929924},{"text":"Sorry.","start":566.03,"end":566.53,"sentiment":"neutral","sentiment_score":-0.04787870869040489},{"text":"The coffee's definitely hit.","start":567.07,"end":570.93,"sentiment":"neutral","sentiment_score":0.09478179924190044},{"text":"The name on the request is obviously different.","start":570.99,"end":573.95,"sentiment":"neutral","sentiment_score":-0.05658510886132717},{"text":"Your rest fund and the hub twenty four fund, yep, they differ, and hub twenty four can't marry them up to allow that payment to go through.","start":573.95,"end":585.305,"sentiment":"neutral","sentiment_score":-0.09555657332142194}],"sentiment":"neutral","sentiment_score":-0.04849869627178761,"num_words":57,"start":560.895,"end":585.305},{"sentences":[{"text":"So we do need to update your name anyway.","start":585.84503,"end":588.585,"sentiment":"neutral","sentiment_score":0.016891765925619338},{"text":"So I'm happy to to to do it.","start":590.005,"end":592.68,"sentiment":"positive","sentiment_score":0.5080841183662415},{"text":"I'll fill out the form that's required.","start":592.68,"end":594.06,"sentiment":"neutral","sentiment_score":0.27076042124203276},{"text":"And if you're able to send a copy of your marriage certificate through and a copy of your driver's license, I can send you the that's okay.","start":594.6,"end":605.685,"sentiment":"neutral","sentiment_score":0.10056942922097666},{"text":"That's that's fine.","start":605.745,"end":607.02496,"sentiment":"neutral","sentiment_score":0.22770545383294424}],"sentiment":"neutral","sentiment_score":0.1761206062855544,"num_words":54,"start":585.84503,"end":607.02496},{"sentences":[{"text":"Is it perfect.","start":607.02496,"end":609.76495,"sentiment":"neutral","sentiment_score":0.09371704856554668},{"text":"Yep.","start":615.58496,"end":615.90497,"sentiment":"neutral","sentiment_score":-0.028902938589453697},{"text":"Just Yep.","start":615.90497,"end":631.43506,"sentiment":"neutral","sentiment_score":-0.05956503003835678},{"text":"It will.","start":632.53503,"end":633.275,"sentiment":"neutral","sentiment_score":-0.02799827978014946},{"text":"Yes.","start":633.895,"end":634.395,"sentiment":"neutral","sentiment_score":0.010439922101795672}],"sentiment":"neutral","sentiment_score":0.009729056619107723,"num_words":9,"start":607.02496,"end":634.395},{"sentences":[{"text":"Yes.","start":636.53503,"end":637.015,"sentiment":"neutral","sentiment_score":0.053037129342556},{"text":"It will.","start":637.015,"end":637.755,"sentiment":"neutral","sentiment_score":0.05539102107286453},{"text":"Have you have you gotten away with it with a stat debt?","start":638.53503,"end":642.215,"sentiment":"neutral","sentiment_score":-0.058578058145940304},{"text":"Like, if that statutory declaration, or have you just been providing your marriage divorce certificate?","start":642.215,"end":647.21,"sentiment":"neutral","sentiment_score":-0.032122558106978734},{"text":"Yep.","start":655.51,"end":656.01,"sentiment":"neutral","sentiment_score":0.045086219906806946}],"sentiment":"neutral","sentiment_score":-0.03147966703099589,"num_words":31,"start":636.53503,"end":656.01},{"sentences":[{"text":"Take the statement.","start":660.055,"end":660.95496,"sentiment":"neutral","sentiment_score":0.047226702173550926},{"text":"Yep.","start":661.735,"end":662.235,"sentiment":"neutral","sentiment_score":0.04662942886352539},{"text":"Yeah.","start":667.01495,"end":667.51495,"sentiment":"neutral","sentiment_score":0.05866798013448715},{"text":"Yep.","start":668.69495,"end":669.19495,"sentiment":"neutral","sentiment_score":0.04962887987494469},{"text":"Yeah.","start":673.91,"end":674.41,"sentiment":"neutral","sentiment_score":0.0019973469898104668}],"sentiment":"neutral","sentiment_score":0.04265767748334578,"num_words":7,"start":660.055,"end":674.41},{"sentences":[{"text":"That's super no.","start":675.99,"end":677.11,"sentiment":"neutral","sentiment_score":-0.16310773293177286},{"text":"That's okay.","start":677.11,"end":677.93,"sentiment":"neutral","sentiment_score":0.01895040087401867},{"text":"I can give you a hand with that.","start":678.23,"end":679.93,"sentiment":"neutral","sentiment_score":0.13104596734046936},{"text":"One of the quickest ways to do it is a stat deck.","start":680.14996,"end":682.515,"sentiment":"neutral","sentiment_score":0.18249506254990897},{"text":"But the marriage certificates, if you have them on hand, they also work well.","start":683.075,"end":686.115,"sentiment":"neutral","sentiment_score":0.21270547487906047}],"sentiment":"neutral","sentiment_score":0.14781442924569815,"num_words":39,"start":675.99,"end":686.115},{"sentences":[{"text":"It's just a matter of literally jumping through and jumping through the hoops.","start":686.115,"end":690.215,"sentiment":"neutral","sentiment_score":-0.03858629069649256},{"text":"Don't don't me wrong.","start":690.515,"end":691.47504,"sentiment":"neutral","sentiment_score":-0.012224876321852207},{"text":"I've been doing this for a good over over a decade, and I have unfortunately come across a few clients that didn't have the marriage, the divorce certificates, and chasing those out were a pain.","start":691.47504,"end":701.77997,"sentiment":"neutral","sentiment_score":-0.20792381300457885},{"text":"So SnapDeck was the way back then, but if you have the certificates, it makes it a lot easier.","start":701.77997,"end":706.27997,"sentiment":"neutral","sentiment_score":0.09528315204538797},{"text":"So I can fill out the form and get that done.","start":706.5,"end":709.725,"sentiment":"neutral","sentiment_score":0.15095362067222595}],"sentiment":"neutral","sentiment_score":-0.05313396369811238,"num_words":82,"start":686.115,"end":709.725},{"sentences":[{"text":"I'm gonna assume that our address has changed as well because we're obviously no longer in the I don't have that listed any yes.","start":709.725,"end":724.35,"sentiment":"neutral","sentiment_score":0.013943477999418974},{"text":"I have the ad.","start":724.35,"end":725.07,"sentiment":"neutral","sentiment_score":-0.04117963835597038},{"text":"You didn't lose your address.","start":725.07,"end":726.29,"sentiment":"neutral","sentiment_score":-0.13660305887460708},{"text":"So did you did you want me to update your address so that way we're I can I can update it on your fund as well?","start":729.95,"end":737.86505,"sentiment":"neutral","sentiment_score":0.07810175669594453},{"text":"Perfect.","start":740.325,"end":740.825,"sentiment":"positive","sentiment_score":0.4710136651992798}],"sentiment":"neutral","sentiment_score":0.0331428160580496,"num_words":60,"start":709.725,"end":740.825},{"sentences":[{"text":"So what was your new postal living address?","start":740.885,"end":743.625,"sentiment":"neutral","sentiment_score":0.13971233367919922},{"text":"Unit four.","start":746.80505,"end":747.86505,"sentiment":"neutral","sentiment_score":0.03393588028848171},{"text":"How do you spell Anglesey?","start":756.7,"end":758.24,"sentiment":"neutral","sentiment_score":0.014558838494122029},{"text":"Sorry.","start":758.62,"end":759.12,"sentiment":"neutral","sentiment_score":-0.0091022327542305},{"text":"Yep.","start":764.315,"end":764.815,"sentiment":"neutral","sentiment_score":0.014070028439164162}],"sentiment":"neutral","sentiment_score":0.07431367165682946,"num_words":17,"start":740.885,"end":764.815},{"sentences":[{"text":"Yep.","start":770.79504,"end":771.29504,"sentiment":"neutral","sentiment_score":0.0003547088126651943},{"text":"Yep.","start":772.64996,"end":773.14996,"sentiment":"neutral","sentiment_score":0.043292444199323654},{"text":"It's okay.","start":773.76996,"end":774.32996,"sentiment":"neutral","sentiment_score":0.13633249327540398},{"text":"Perfect.","start":774.32996,"end":774.64996,"sentiment":"positive","sentiment_score":0.458612322807312},{"text":"It was literally just Angle C.","start":774.64996,"end":776.91,"sentiment":"neutral","sentiment_score":0.2768525381882985}],"sentiment":"neutral","sentiment_score":0.22145815377271819,"num_words":11,"start":770.79504,"end":776.91},{"sentences":[{"text":"Cool.","start":776.97,"end":777.47,"sentiment":"neutral","sentiment_score":0.29206714034080505},{"text":"I just wasn't sure if I was being a bit special on that.","start":777.76996,"end":781.55,"sentiment":"neutral","sentiment_score":-0.05781331916268055},{"text":"And what suburb was that?","start":781.69,"end":782.81,"sentiment":"neutral","sentiment_score":-0.02081039734184742},{"text":"Sorry.","start":782.81,"end":783.31,"sentiment":"neutral","sentiment_score":-0.022541284561157227},{"text":"Perfect.","start":785.955,"end":786.455,"sentiment":"positive","sentiment_score":0.4255245327949524}],"sentiment":"neutral","sentiment_score":-0.007646416535689717,"num_words":21,"start":776.97,"end":786.455},{"sentences":[{"text":"Amazing.","start":788.355,"end":788.855,"sentiment":"positive","sentiment_score":0.4996594786643982},{"text":"Alright.","start":789.075,"end":789.575,"sentiment":"neutral","sentiment_score":0.2271830290555954},{"text":"Now that's that.","start":791.235,"end":793.095,"sentiment":"neutral","sentiment_score":0.14694570998350778},{"text":"And that would be 7004 is the postcode.","start":795.555,"end":798.935,"sentiment":"neutral","sentiment_score":0.08916187938302755},{"text":"And that's postal and living.","start":802.62,"end":806.39996,"sentiment":"neutral","sentiment_score":0.04274589642882347}],"sentiment":"neutral","sentiment_score":0.11637245304882526,"num_words":18,"start":788.355,"end":806.39996},{"sentences":[{"text":"Yep.","start":807.98,"end":808.37994,"sentiment":"neutral","sentiment_score":0.06513082981109619},{"text":"Perfect.","start":808.37994,"end":808.87994,"sentiment":"neutral","sentiment_score":0.2767978310585022},{"text":"Okay.","start":812.475,"end":812.795,"sentiment":"neutral","sentiment_score":0.09353183209896088},{"text":"Well, I can get that updated across everything on my side so I can get Hub 24 done.","start":812.795,"end":820.15497,"sentiment":"neutral","sentiment_score":0.14287894177767965},{"text":"Have you already updated rest with your address?","start":820.15497,"end":824.33496,"sentiment":"neutral","sentiment_score":0.05904900282621384}],"sentiment":"neutral","sentiment_score":0.11998874026125875,"num_words":29,"start":807.98,"end":824.33496},{"sentences":[{"text":"Yeah.","start":824.635,"end":824.95496,"sentiment":"neutral","sentiment_score":0.09401309490203856},{"text":"Perfect.","start":824.95496,"end":825.45496,"sentiment":"neutral","sentiment_score":0.27511143684387207},{"text":"Okay.","start":825.515,"end":825.755,"sentiment":"neutral","sentiment_score":0.2558724582195282},{"text":"Good.","start":825.755,"end":826.23,"sentiment":"positive","sentiment_score":0.33954814076423645},{"text":"Alright.","start":827.02997,"end":827.51,"sentiment":"neutral","sentiment_score":0.2302314341068268}],"sentiment":"neutral","sentiment_score":0.2389553129673004,"num_words":5,"start":824.635,"end":827.51},{"sentences":[{"text":"Well, what I guess I wanna do and it doesn't have to be today because I know I called you out of the blue so we can schedule a time where, I guess, you're a little bit more in the headspace, and we can sit down and talk about everything.","start":827.51,"end":840.385,"sentiment":"neutral","sentiment_score":0.18023918002843856},{"text":"And we can go through what your goals are, where things are sitting for you now.","start":841.885,"end":846.365,"sentiment":"neutral","sentiment_score":0.27655084896832705},{"text":"I can make sure all the details I have on file for you are up to date.","start":846.365,"end":849.805,"sentiment":"neutral","sentiment_score":0.23908999123994043},{"text":"So we can go through the fact find or data collection that we hold, and we can work out, you know, where we're at, where we wanna head to, and then I can put all the pieces together to help us get there.","start":849.805,"end":862.82,"sentiment":"neutral","sentiment_score":0.21020794937083886},{"text":"And if we wanna talk I guess, now's a good enough time to ask.","start":863.60004,"end":867.38,"sentiment":"neutral","sentiment_score":0.08940898866525718}],"sentiment":"neutral","sentiment_score":0.19851407214467015,"num_words":140,"start":827.51,"end":867.38},{"sentences":[{"text":"What kind of, I guess, advice scope do you want to talk about?","start":868.085,"end":871.60504,"sentiment":"neutral","sentiment_score":0.043943765215002574},{"text":"We can definitely touch on the super.","start":871.60504,"end":872.80505,"sentiment":"positive","sentiment_score":0.40310379011290415},{"text":"That's that's, I I guess, a bit of a given.","start":872.80505,"end":874.98505,"sentiment":"neutral","sentiment_score":0.26670322865247725},{"text":"But is there anything else that really comes to mind that you would wanna raise and talk about based on how everything's changed recently?","start":875.765,"end":884.04,"sentiment":"neutral","sentiment_score":0.11511542865385611},{"text":"Yeah.","start":896.435,"end":896.935,"sentiment":"neutral","sentiment_score":-0.024728376418352127}],"sentiment":"neutral","sentiment_score":0.1599649032069878,"num_words":55,"start":868.085,"end":896.935},{"sentences":[{"text":"Do you know how much it's gonna cost to ship them?","start":897.155,"end":899.575,"sentiment":"neutral","sentiment_score":-0.03700863095847043},{"text":"Okay.","start":903.395,"end":903.795,"sentiment":"neutral","sentiment_score":-0.033188626170158386},{"text":"So little bit, but not look.","start":903.795,"end":906.275,"sentiment":"neutral","sentiment_score":-0.10186797628800075},{"text":"It's they're they're expensive.","start":906.275,"end":907.655,"sentiment":"neutral","sentiment_score":-0.2984573096036911},{"text":"They're not crazy.","start":907.795,"end":908.89,"sentiment":"neutral","sentiment_score":-0.15164403120676676}],"sentiment":"neutral","sentiment_score":-0.10801011025905609,"num_words":25,"start":897.155,"end":908.89},{"sentences":[{"text":"I was thinking in the, you know, 20 to 25.","start":908.89,"end":912.35,"sentiment":"neutral","sentiment_score":-0.06873002611100673},{"text":"Okay.","start":913.77,"end":914.27,"sentiment":"neutral","sentiment_score":0.0317528061568737},{"text":"And I guess, like, your ex is like, there's no custody issues with getting them back.","start":915.45,"end":921.53,"sentiment":"neutral","sentiment_score":-0.047280986873374786},{"text":"Like, it's not a custody battle or anything like that.","start":921.53,"end":923.655,"sentiment":"neutral","sentiment_score":-0.10192879512906075},{"text":"It's just the money situation.","start":923.655,"end":925.515,"sentiment":"neutral","sentiment_score":-0.047246779501438144}],"sentiment":"neutral","sentiment_score":-0.06351345461249973,"num_words":42,"start":908.89,"end":925.515},{"sentences":[{"text":"Yep.","start":933.97504,"end":934.47504,"sentiment":"neutral","sentiment_score":-0.022544261068105698},{"text":"Pay for it.","start":941.11,"end":941.82996,"sentiment":"neutral","sentiment_score":-0.06686969970663388},{"text":"Of course.","start":941.82996,"end":942.64996,"sentiment":"neutral","sentiment_score":0.020640822127461433},{"text":"Of course.","start":943.43,"end":944.25,"sentiment":"neutral","sentiment_score":0.02536399196833372},{"text":"So it's not not a very amicable split.","start":944.95,"end":947.37,"sentiment":"neutral","sentiment_score":-0.05877783871255815}],"sentiment":"neutral","sentiment_score":-0.03758540260605514,"num_words":16,"start":933.97504,"end":947.37},{"sentences":[{"text":"What if if I may ask, what assets do you like, did do you have do you have anything left over there apart from the dogs and the car you funded?","start":956.325,"end":963.065,"sentiment":"neutral","sentiment_score":-0.06553603155959037},{"text":"Surely I mean, don't get me wrong.","start":979.675,"end":981.435,"sentiment":"neutral","sentiment_score":-0.1639263087085315},{"text":"I'm not a lawyer in The Caribbean.","start":981.435,"end":983.455,"sentiment":"neutral","sentiment_score":-0.19892104821545736},{"text":"But surely, that would still become a marital asset and is divisible between the two of you upon financial separation and divorce settlement.","start":984.075,"end":995.07,"sentiment":"neutral","sentiment_score":-0.08329859878058019},{"text":"Yeah.","start":1001.05,"end":1001.55,"sentiment":"neutral","sentiment_score":0.0002807602286338806}],"sentiment":"neutral","sentiment_score":-0.09401645635565122,"num_words":69,"start":956.325,"end":1001.55},{"sentences":[{"text":"Okay.","start":1003.45,"end":1003.95,"sentiment":"neutral","sentiment_score":0.005751257762312889},{"text":"They may direct you to someone in The Caribbean just to give you, I guess, a bit of a head just because generally, like yeah.","start":1005.375,"end":1014.67505,"sentiment":"neutral","sentiment_score":-0.020949189811944963},{"text":"Yeah.","start":1019.55,"end":1020.05,"sentiment":"neutral","sentiment_score":-0.07284019887447357},{"text":"Was it a beautiful whirlwind, though?","start":1026.4299,"end":1028.11,"sentiment":"neutral","sentiment_score":-0.008525661658495663},{"text":"Did you have fun?","start":1028.11,"end":1029.1699,"sentiment":"neutral","sentiment_score":0.04162423219531774}],"sentiment":"neutral","sentiment_score":-0.012850695340013181,"num_words":37,"start":1003.45,"end":1029.1699},{"sentences":[{"text":"Yeah.","start":1049.03,"end":1049.53,"sentiment":"neutral","sentiment_score":-0.05800698697566986},{"text":"Yeah.","start":1054.0851,"end":1054.5851,"sentiment":"neutral","sentiment_score":-0.02496207132935524},{"text":"Yeah.","start":1061.285,"end":1061.785,"sentiment":"neutral","sentiment_score":-0.04070194810628891},{"text":"You're fine, sweetheart.","start":1067.2201,"end":1068.2001,"sentiment":"neutral","sentiment_score":-0.025862202048301697},{"text":"Put me on hold.","start":1069.14,"end":1069.86,"sentiment":"neutral","sentiment_score":-0.09257308579981327}],"sentiment":"neutral","sentiment_score":-0.05715499557554722,"num_words":10,"start":1049.03,"end":1069.86},{"sentences":[{"text":"You're fine.","start":1069.86,"end":1070.6001,"sentiment":"neutral","sentiment_score":0.025835879147052765},{"text":"I love this.","start":1120.15,"end":1121.05,"sentiment":"neutral","sentiment_score":0.28554196159044903},{"text":"Yeah.","start":1127.51,"end":1128.01,"sentiment":"neutral","sentiment_score":0.034539274871349335},{"text":"Yep.","start":1134.965,"end":1135.465,"sentiment":"neutral","sentiment_score":-0.02267768420279026},{"text":"Yeah.","start":1143.75,"end":1144.25,"sentiment":"neutral","sentiment_score":0.022592395544052124}],"sentiment":"neutral","sentiment_score":0.11784395365975797,"num_words":8,"start":1069.86,"end":1144.25},{"sentences":[{"text":"Yeah.","start":1149.7576,"end":1150.2576,"sentiment":"neutral","sentiment_score":-0.022576533257961273},{"text":"Yeah.","start":1159.365,"end":1159.685,"sentiment":"neutral","sentiment_score":-0.01931169629096985},{"text":"Because it just fills the gap.","start":1159.685,"end":1161.145,"sentiment":"neutral","sentiment_score":-0.24765795345107713},{"text":"Not at not at all.","start":1162.245,"end":1164.185,"sentiment":"negative","sentiment_score":-0.38737332820892334},{"text":"It's why a yeah.","start":1164.3251,"end":1167.125,"sentiment":"neutral","sentiment_score":-0.18600093759596348}],"sentiment":"neutral","sentiment_score":-0.24757096127552145,"num_words":17,"start":1149.7576,"end":1167.125},{"sentences":[{"text":"No.","start":1167.125,"end":1167.605,"sentiment":"neutral","sentiment_score":-0.20203672349452972},{"text":"Not at all.","start":1167.605,"end":1168.41,"sentiment":"neutral","sentiment_score":-0.20352442065874735},{"text":"A, you have to look after yourself, and, b, there's you know?","start":1168.49,"end":1172.67,"sentiment":"neutral","sentiment_score":-0.14360234017173448},{"text":"What's it called?","start":1172.89,"end":1173.7101,"sentiment":"neutral","sentiment_score":-0.12313311795393626},{"text":"That period of time where they can fire you at any point.","start":1174.17,"end":1176.8301,"sentiment":"neutral","sentiment_score":-0.2409605011343956}],"sentiment":"neutral","sentiment_score":-0.18699236887116585,"num_words":31,"start":1167.125,"end":1176.8301},{"sentences":[{"text":"Notice period.","start":1180.25,"end":1181.0701,"sentiment":"neutral","sentiment_score":-0.09994364157319069},{"text":"Yeah.","start":1182.065,"end":1182.225,"sentiment":"neutral","sentiment_score":-0.13313940167427063},{"text":"I can't even think of the words myself.","start":1182.225,"end":1183.925,"sentiment":"neutral","sentiment_score":-0.2255419809371233},{"text":"I I know.","start":1189.265,"end":1190.565,"sentiment":"neutral","sentiment_score":-0.1666118154923121},{"text":"Me 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enough.","start":1239.0951,"end":1239.915,"sentiment":"neutral","sentiment_score":-0.004713166505098343}],"sentiment":"neutral","sentiment_score":-0.20469690287219627,"num_words":14,"start":1207.6001,"end":1239.915},{"sentences":[{"text":"No.","start":1248.0,"end":1248.5,"sentiment":"neutral","sentiment_score":-0.22642406821250916},{"text":"Absolutely.","start":1252.0,"end":1252.5,"sentiment":"positive","sentiment_score":0.41275206208229065},{"text":"There's nothing wrong with that at all, hon.","start":1254.24,"end":1256.0,"sentiment":"positive","sentiment_score":0.36567504703998566},{"text":"You're allowed to have an interim job just to get you on your feet and go from there.","start":1256.0,"end":1258.96,"sentiment":"neutral","sentiment_score":0.31811442308955723},{"text":"Can I ask well, I guess, while we're talking about it, how much is the income on them?","start":1258.96,"end":1262.82,"sentiment":"neutral","sentiment_score":0.05887705791327688}],"sentiment":"neutral","sentiment_score":0.21516467452697133,"num_words":46,"start":1248.0,"end":1262.82},{"sentences":[{"text":"How much is are they offering you an income?","start":1264.895,"end":1267.235,"sentiment":"neutral","sentiment_score":0.03967785617957512},{"text":"Yeah.","start":1268.015,"end":1268.515,"sentiment":"neutral","sentiment_score":0.11713597178459167},{"text":"Perfect.","start":1280.1599,"end":1280.6599,"sentiment":"positive","sentiment_score":0.707148551940918},{"text":"Yeah.","start":1292.095,"end":1292.595,"sentiment":"neutral","sentiment_score":0.2475261390209198},{"text":"So it's not too bad.","start":1292.6549,"end":1294.355,"sentiment":"neutral","sentiment_score":0.30453633069992064}],"sentiment":"neutral","sentiment_score":0.1736231189330711,"num_words":17,"start":1264.895,"end":1294.355},{"sentences":[{"text":"And then you're waiting to hear from CSR.","start":1294.8949,"end":1297.315,"sentiment":"neutral","sentiment_score":0.14987560734152794},{"text":"Oh, in interview next Friday.","start":1298.975,"end":1300.595,"sentiment":"neutral","sentiment_score":0.11872018128633499},{"text":"Oh, perfect.","start":1308.1799,"end":1308.9199,"sentiment":"neutral","sentiment_score":0.27259258925914764},{"text":"What are the jobs in, if I could ask?","start":1311.46,"end":1313.14,"sentiment":"neutral","sentiment_score":0.06263728688160579},{"text":"Like, is it it's, like, sales sales rep?","start":1313.14,"end":1316.36,"sentiment":"neutral","sentiment_score":0.041389245772734284}],"sentiment":"neutral","sentiment_score":0.10102001536870375,"num_words":32,"start":1294.8949,"end":1316.36},{"sentences":[{"text":"Business develop?","start":1316.465,"end":1317.105,"sentiment":"neutral","sentiment_score":0.03016876894980669},{"text":"Oh, yeah.","start":1317.105,"end":1317.425,"sentiment":"neutral","sentiment_score":0.0353464987128973},{"text":"Like a BDM.","start":1317.425,"end":1318.165,"sentiment":"neutral","sentiment_score":0.05574768284956614},{"text":"Perfect.","start":1319.825,"end":1320.325,"sentiment":"neutral","sentiment_score":0.29656022787094116},{"text":"Okay.","start":1321.185,"end":1321.685,"sentiment":"neutral","sentiment_score":0.10798255354166032}],"sentiment":"neutral","sentiment_score":0.07809070725407866,"num_words":9,"start":1316.465,"end":1321.685},{"sentences":[{"text":"See Hobart's a little bit better because you don't have to travel to and from.","start":1322.625,"end":1325.185,"sentiment":"neutral","sentiment_score":0.12890352606773375},{"text":"Not that you're, like, doing the Not that you have to pay for the fuel, but irrespective, your time is worth money as well when traveling from Hobart to Launceston, Spain.","start":1325.185,"end":1333.6499,"sentiment":"neutral","sentiment_score":0.07485670344002786},{"text":"Yeah.","start":1341.87,"end":1342.37,"sentiment":"neutral","sentiment_score":0.03956852853298187},{"text":"Yes.","start":1343.07,"end":1343.57,"sentiment":"neutral","sentiment_score":0.04427218437194824},{"text":"Yep.","start":1350.765,"end":1351.265,"sentiment":"neutral","sentiment_score":-0.01260310225188732}],"sentiment":"neutral","sentiment_score":0.08827241445530434,"num_words":49,"start":1322.625,"end":1351.265},{"sentences":[{"text":"Yeah.","start":1363.5599,"end":1364.0599,"sentiment":"neutral","sentiment_score":0.09477543085813522},{"text":"Yeah.","start":1390.92,"end":1391.42,"sentiment":"neutral","sentiment_score":0.058552335947752},{"text":"Yeah.","start":1404.055,"end":1404.135,"sentiment":"neutral","sentiment_score":-0.03204718604683876},{"text":"Yeah.","start":1404.135,"end":1404.4451,"sentiment":"neutral","sentiment_score":-0.07954500615596771},{"text":"I could see.","start":1404.4451,"end":1405.435,"sentiment":"neutral","sentiment_score":-0.22575364510218301}],"sentiment":"neutral","sentiment_score":-0.09078933724335261,"num_words":7,"start":1363.5599,"end":1405.435},{"sentences":[{"text":"Don't be.","start":1415.96,"end":1416.78,"sentiment":"neutral","sentiment_score":-0.20877039432525635},{"text":"They value, obviously, your knowledge and skills.","start":1416.92,"end":1419.18,"sentiment":"neutral","sentiment_score":-0.041582142668110986},{"text":"Yeah.","start":1419.9951,"end":1420.3151,"sentiment":"neutral","sentiment_score":0.0515788160264492},{"text":"But when you have that knowledge and skills, it works.","start":1420.3151,"end":1422.895,"sentiment":"neutral","sentiment_score":0.13710908442735673},{"text":"Get it, girl.","start":1433.7699,"end":1434.6699,"sentiment":"neutral","sentiment_score":0.01621452036003272}],"sentiment":"neutral","sentiment_score":0.03316075800229674,"num_words":23,"start":1415.96,"end":1434.6699},{"sentences":[{"text":"That's okay.","start":1436.49,"end":1437.47,"sentiment":"neutral","sentiment_score":0.09160806983709335},{"text":"Alright.","start":1438.1699,"end":1438.6699,"sentiment":"neutral","sentiment_score":0.1080825924873352},{"text":"Okay.","start":1439.13,"end":1439.63,"sentiment":"neutral","sentiment_score":0.07226833701133728},{"text":"So we've got a lot of big things happening, a lot of things moving.","start":1439.9299,"end":1442.99,"sentiment":"neutral","sentiment_score":0.03741323096411569},{"text":"Let's let's tee up a time when would work for you, like next week, week after.","start":1443.7699,"end":1449.625,"sentiment":"neutral","sentiment_score":0.08604415087029338}],"sentiment":"neutral","sentiment_score":0.0665899622527992,"num_words":34,"start":1436.49,"end":1449.625},{"sentences":[{"text":"If you wanna wait until after you hear hear about the job, we can touch base then.","start":1449.625,"end":1454.025,"sentiment":"neutral","sentiment_score":0.04173269111882238},{"text":"Or That's okay, hon.","start":1454.025,"end":1461.2401,"sentiment":"neutral","sentiment_score":0.07117545418441296},{"text":"Absolutely.","start":1461.2401,"end":1461.7401,"sentiment":"neutral","sentiment_score":0.07063166052103043},{"text":"Let me bring up my calendar.","start":1463.3201,"end":1464.6001,"sentiment":"neutral","sentiment_score":0.04332299095888933},{"text":"Where is my calendar?","start":1464.6001,"end":1465.66,"sentiment":"neutral","sentiment_score":0.021496941801160574}],"sentiment":"neutral","sentiment_score":0.04408484185114503,"num_words":32,"start":1449.625,"end":1465.66},{"sentences":[{"text":"That's an excellent question.","start":1466.28,"end":1467.5,"sentiment":"positive","sentiment_score":0.6296530365943909},{"text":"Where's this issue?","start":1467.56,"end":1468.3601,"sentiment":"neutral","sentiment_score":0.015040623644987742},{"text":"There it is.","start":1468.3601,"end":1469.1001,"sentiment":"neutral","sentiment_score":-0.0010421921809514363},{"text":"Next week.","start":1470.655,"end":1471.215,"sentiment":"neutral","sentiment_score":0.012874914333224297},{"text":"Alright.","start":1471.215,"end":1471.535,"sentiment":"neutral","sentiment_score":0.061775676906108856}],"sentiment":"neutral","sentiment_score":0.2037025343340177,"num_words":13,"start":1466.28,"end":1471.535},{"sentences":[{"text":"So that is the week of the twenty fifth.","start":1471.535,"end":1474.195,"sentiment":"neutral","sentiment_score":0.051527290087607175},{"text":"I can no.","start":1475.135,"end":1477.455,"sentiment":"neutral","sentiment_score":-0.14089629302422205},{"text":"That's okay.","start":1477.455,"end":1478.095,"sentiment":"neutral","sentiment_score":-0.08124106749892235},{"text":"My brain's pretty dead by a Friday anyway.","start":1478.095,"end":1480.275,"sentiment":"negative","sentiment_score":-0.4917400646954775},{"text":"So we could do any day, really.","start":1481.775,"end":1484.2101,"sentiment":"neutral","sentiment_score":0.060246617666312625}],"sentiment":"neutral","sentiment_score":-0.12529722748902336,"num_words":29,"start":1471.535,"end":1484.2101},{"sentences":[{"text":"Mondays are pretty much the out, so let's go Tuesday, Wednesday, Thursday.","start":1484.2101,"end":1487.67,"sentiment":"neutral","sentiment_score":0.09475026590128739},{"text":"When do you wanna have a chat?","start":1487.7301,"end":1489.43,"sentiment":"neutral","sentiment_score":0.03887067522321429},{"text":"Alright.","start":1494.6901,"end":1495.1901,"sentiment":"positive","sentiment_score":0.3695492744445801},{"text":"Perfect.","start":1495.575,"end":1496.075,"sentiment":"positive","sentiment_score":0.6395577192306519},{"text":"So I'm gonna go first up in the morning when we're fresh.","start":1496.415,"end":1499.335,"sentiment":"positive","sentiment_score":0.372540719807148}],"sentiment":"neutral","sentiment_score":0.20874828935572595,"num_words":33,"start":1484.2101,"end":1499.335},{"sentences":[{"text":"We have a coffee on our lap, and we're ready to go.","start":1499.335,"end":1501.515,"sentiment":"positive","sentiment_score":0.38657428820927936},{"text":"Oh, sorry.","start":1513.63,"end":1514.19,"sentiment":"neutral","sentiment_score":-0.009632901288568974},{"text":"You did say I'm so sorry.","start":1514.19,"end":1515.3099,"sentiment":"neutral","sentiment_score":-0.04636944675197204},{"text":"Yes.","start":1515.3099,"end":1515.5499,"sentiment":"neutral","sentiment_score":0.013098260387778282},{"text":"Yes.","start":1515.5499,"end":1515.71,"sentiment":"neutral","sentiment_score":0.02632082626223564}],"sentiment":"neutral","sentiment_score":0.199128548276018,"num_words":22,"start":1499.335,"end":1515.71},{"sentences":[{"text":"Yes.","start":1515.71,"end":1516.21,"sentiment":"neutral","sentiment_score":0.030004356056451797},{"text":"Afternoon.","start":1516.27,"end":1516.77,"sentiment":"neutral","sentiment_score":0.02063300274312496},{"text":"Sorry.","start":1516.99,"end":1517.23,"sentiment":"neutral","sentiment_score":-0.02020322158932686},{"text":"After four.","start":1517.23,"end":1518.0499,"sentiment":"neutral","sentiment_score":-0.009531949646770954},{"text":"Sorry about that, doll.","start":1518.19,"end":1519.33,"sentiment":"neutral","sentiment_score":-0.010093241464346647}],"sentiment":"neutral","sentiment_score":-0.003222525326742066,"num_words":9,"start":1515.71,"end":1519.33},{"sentences":[{"text":"Okay.","start":1520.9249,"end":1521.4249,"sentiment":"neutral","sentiment_score":0.031358540058135986},{"text":"Yes.","start":1521.645,"end":1521.965,"sentiment":"neutral","sentiment_score":0.040448058396577835},{"text":"Yeah.","start":1521.965,"end":1522.285,"sentiment":"neutral","sentiment_score":0.03375380486249924},{"text":"No.","start":1522.285,"end":1522.525,"sentiment":"neutral","sentiment_score":0.003959314897656441},{"text":"That's absolutely fine.","start":1522.525,"end":1523.905,"sentiment":"neutral","sentiment_score":0.08331266169746716}],"sentiment":"neutral","sentiment_score":0.051351100472467284,"num_words":7,"start":1520.9249,"end":1523.905},{"sentences":[{"text":"No.","start":1524.605,"end":1525.105,"sentiment":"neutral","sentiment_score":-0.01502387784421444},{"text":"Absolutely.","start":1527.245,"end":1527.745,"sentiment":"neutral","sentiment_score":0.16305790841579437},{"text":"This guy lives on coffee.","start":1528.125,"end":1529.505,"sentiment":"neutral","sentiment_score":0.11899561285972596},{"text":"Alright.","start":1530.845,"end":1531.345,"sentiment":"neutral","sentiment_score":0.10658260434865952},{"text":"So and so the one thing I would like you to do if you're able to, I can send you an email.","start":1535.81,"end":1542.39,"sentiment":"neutral","sentiment_score":0.10817396132783456}],"sentiment":"neutral","sentiment_score":0.10764739494770766,"num_words":30,"start":1524.605,"end":1542.39},{"sentences":[{"text":"And if you are able to get a report on your rest super fund, I don't have access to it at the moment.","start":1542.61,"end":1550.525,"sentiment":"neutral","sentiment_score":-0.0008450080843075463},{"text":"The authority we used to have on file lapses regularly, and I wanna be able to have a look at that, I guess, prior to us having a chat.","start":1550.745,"end":1560.1849,"sentiment":"neutral","sentiment_score":0.023684162325386345},{"text":"So that way, I can look at both the funds and where they're sitting and just a like, an annual statement report.","start":1560.1849,"end":1567.5499,"sentiment":"neutral","sentiment_score":0.05165305682881312},{"text":"You should be able to generate one from the platform, like the login.","start":1567.7699,"end":1573.23,"sentiment":"neutral","sentiment_score":0.11073388589116243},{"text":"Look at you there.","start":1575.945,"end":1580.445,"sentiment":"neutral","sentiment_score":0.005942572723142803}],"sentiment":"neutral","sentiment_score":0.03590201735394178,"num_words":91,"start":1542.61,"end":1580.445},{"sentences":[{"text":"Yeah.","start":1587.065,"end":1587.225,"sentiment":"neutral","sentiment_score":0.047598667442798615},{"text":"It should be in there.","start":1587.225,"end":1588.365,"sentiment":"neutral","sentiment_score":0.04521662965416908},{"text":"Working again.","start":1597.13,"end":1597.85,"sentiment":"neutral","sentiment_score":-0.01288803992792964},{"text":"Yeah.","start":1597.85,"end":1598.35,"sentiment":"neutral","sentiment_score":0.0026084366254508495},{"text":"No.","start":1603.625,"end":1604.125,"sentiment":"neutral","sentiment_score":-0.12827149033546448}],"sentiment":"neutral","sentiment_score":0.012224268214777113,"num_words":10,"start":1587.065,"end":1604.125},{"sentences":[{"text":"That that's members' meeting.","start":1604.425,"end":1605.965,"sentiment":"neutral","sentiment_score":-0.13963488303124905},{"text":"The other option, I guess, if you are able to just take a screenshot of the, like, transactions page and the investments page and the balance, that gives me a lot of everything.","start":1616.55,"end":1629.77,"sentiment":"neutral","sentiment_score":0.024963159311675663},{"text":"Yeah.","start":1631.405,"end":1631.905,"sentiment":"neutral","sentiment_score":0.09400968253612518},{"text":"Go for it.","start":1632.045,"end":1633.025,"sentiment":"neutral","sentiment_score":0.11097418765227},{"text":"Yep.","start":1635.645,"end":1636.145,"sentiment":"neutral","sentiment_score":0.07228244841098785}],"sentiment":"neutral","sentiment_score":0.018201414739624375,"num_words":42,"start":1604.425,"end":1636.145},{"sentences":[{"text":"Perfect.","start":1639.645,"end":1640.145,"sentiment":"positive","sentiment_score":0.4123835563659668},{"text":"Oh, well, let's just do it this way.","start":1641.805,"end":1643.345,"sentiment":"neutral","sentiment_score":0.13455922808498144},{"text":"What are the investments?","start":1643.565,"end":1644.545,"sentiment":"neutral","sentiment_score":0.042311398312449455},{"text":"No.","start":1659.555,"end":1659.795,"sentiment":"neutral","sentiment_score":-0.021042615175247192},{"text":"That should be it.","start":1659.795,"end":1660.595,"sentiment":"neutral","sentiment_score":0.02838442102074623}],"sentiment":"neutral","sentiment_score":0.09725544684463078,"num_words":18,"start":1639.645,"end":1660.595},{"sentences":[{"text":"That'll be the that'll be just the ref Thai growth asset.","start":1660.595,"end":1663.715,"sentiment":"neutral","sentiment_score":0.011524920944463123},{"text":"That's fine.","start":1663.715,"end":1664.535,"sentiment":"neutral","sentiment_score":0.15117884799838066},{"text":"And the last employer contribution, I'm assuming, was well over twelve months ago.","start":1665.235,"end":1670.935,"sentiment":"neutral","sentiment_score":-0.013177013597809352},{"text":"Yeah.","start":1676.91,"end":1677.41,"sentiment":"neutral","sentiment_score":-0.001427863258868456},{"text":"Cool.","start":1679.23,"end":1679.63,"sentiment":"neutral","sentiment_score":0.24745160341262817}],"sentiment":"neutral","sentiment_score":0.01799479963457478,"num_words":28,"start":1660.595,"end":1679.63},{"sentences":[{"text":"That that's absolutely okay.","start":1679.63,"end":1682.45,"sentiment":"neutral","sentiment_score":0.2604720704257488},{"text":"Perfect.","start":1714.515,"end":1715.015,"sentiment":"positive","sentiment_score":0.3435436487197876},{"text":"Okay.","start":1717.475,"end":1717.975,"sentiment":"neutral","sentiment_score":0.2205280363559723},{"text":"That pretty much covers everything else.","start":1719.3151,"end":1721.0751,"sentiment":"neutral","sentiment_score":0.2703247268994649},{"text":"No insurance lapse because of the no contributions, investment.","start":1721.0751,"end":1724.89,"sentiment":"neutral","sentiment_score":0.09763498190376493}],"sentiment":"neutral","sentiment_score":0.19555348406235376,"num_words":21,"start":1679.63,"end":1724.89},{"sentences":[{"text":"Amazing.","start":1726.5499,"end":1727.0299,"sentiment":"positive","sentiment_score":0.5345584750175476},{"text":"Everything else, I'll have a statement that'll be a little bit older that I can have a look at some of, like, the specific dates when the account was set up and stuff like that.","start":1727.0299,"end":1734.97,"sentiment":"neutral","sentiment_score":0.2306731266634805},{"text":"Just back back end information that's generally a bit hard for you to access through the portal anyway.","start":1735.2699,"end":1739.45,"sentiment":"neutral","sentiment_score":-0.13290703669190407},{"text":"That gives me everything on that front.","start":1740.895,"end":1742.515,"sentiment":"neutral","sentiment_score":0.0705616290548018},{"text":"And then what I will do do you live and die by your calendar?","start":1743.055,"end":1747.475,"sentiment":"neutral","sentiment_score":0.08322862588933536}],"sentiment":"neutral","sentiment_score":0.10499897884825865,"num_words":75,"start":1726.5499,"end":1747.475},{"sentences":[{"text":"Do?","start":1750.3351,"end":1750.655,"sentiment":"neutral","sentiment_score":0.1652660369873047},{"text":"Cool.","start":1750.655,"end":1750.975,"sentiment":"positive","sentiment_score":0.5685088634490967},{"text":"So what I'm gonna do is I'm gonna invite you to the meeting so that way it's in your calendar, and neither of us can forget.","start":1750.975,"end":1757.05,"sentiment":"positive","sentiment_score":0.34487854975920457},{"text":"That way it pops up, and it's there for you.","start":1759.91,"end":1763.35,"sentiment":"positive","sentiment_score":0.399722495675087},{"text":"Okay?","start":1763.35,"end":1763.85,"sentiment":"positive","sentiment_score":0.3372349143028259}],"sentiment":"positive","sentiment_score":0.35987377090331835,"num_words":39,"start":1750.3351,"end":1763.85},{"sentences":[{"text":"There we go.","start":1767.43,"end":1768.25,"sentiment":"positive","sentiment_score":0.3959580560525258},{"text":"Now during that meeting, do you wanna talk about cash flow and budgeting, or do you wanna wait a little bit until we get the job and we know what our income's gonna be and we can kinda go from there?","start":1771.365,"end":1782.9851,"sentiment":"neutral","sentiment_score":0.10270407250741632},{"text":"This is true.","start":1787.2,"end":1788.1,"sentiment":"neutral","sentiment_score":-0.04463053122162819},{"text":"That's absolutely okay.","start":1790.72,"end":1792.1,"sentiment":"neutral","sentiment_score":0.06847077111403148},{"text":"Yeah.","start":1799.545,"end":1800.045,"sentiment":"neutral","sentiment_score":0.009543849155306816}],"sentiment":"neutral","sentiment_score":0.10744717078027773,"num_words":51,"start":1767.43,"end":1800.045},{"sentences":[{"text":"No.","start":1800.585,"end":1800.825,"sentiment":"neutral","sentiment_score":-0.040568649768829346},{"text":"That's okay.","start":1800.825,"end":1801.485,"sentiment":"neutral","sentiment_score":0.0003920334856957197},{"text":"Alright.","start":1801.625,"end":1801.945,"sentiment":"neutral","sentiment_score":0.12722617387771606},{"text":"Well, we can do you want me to send you a bit of a budget so you can kind of start playing around with it?","start":1801.945,"end":1807.485,"sentiment":"neutral","sentiment_score":0.12968378990888596},{"text":"I mean, sometimes a lot of budgeting discussion is just a friendly ear to lean on while you work out where things are at.","start":1807.865,"end":1815.77,"sentiment":"neutral","sentiment_score":0.1268101460300386}],"sentiment":"neutral","sentiment_score":0.1202449027079878,"num_words":53,"start":1800.585,"end":1815.77},{"sentences":[{"text":"I can send you a bit of a budget tool that'll let you kind of play with what you're earning and go from there.","start":1815.77,"end":1821.63,"sentiment":"neutral","sentiment_score":0.17653751031806073},{"text":"Yeah.","start":1823.865,"end":1823.945,"sentiment":"neutral","sentiment_score":0.165664404630661},{"text":"Okay.","start":1823.945,"end":1824.345,"sentiment":"neutral","sentiment_score":0.16006439924240112},{"text":"I'll email that to you.","start":1824.345,"end":1825.725,"sentiment":"neutral","sentiment_score":0.16628089249134065},{"text":"And then my other question, did you wanna meet virtually, like, a face like, through Google or Teams, or are you happy to do a phone call?","start":1825.945,"end":1834.205,"sentiment":"neutral","sentiment_score":0.05230786816941367}],"sentiment":"neutral","sentiment_score":0.1173507923196102,"num_words":58,"start":1815.77,"end":1834.205},{"sentences":[{"text":"I I don't mind.","start":1839.77,"end":1841.21,"sentiment":"neutral","sentiment_score":0.039446596056222916},{"text":"I don't mind.","start":1841.21,"end":1841.85,"sentiment":"neutral","sentiment_score":0.01699138432741165},{"text":"It's just more of a on a Thursday afternoon, if you're gonna be in transit, we obviously can't Google Meet.","start":1841.85,"end":1847.31,"sentiment":"neutral","sentiment_score":-0.0019360793754458427},{"text":"We can do do a phone call, but it's just it's your preference.","start":1848.49,"end":1852.3049,"sentiment":"neutral","sentiment_score":0.028796381531999662},{"text":"Perfect.","start":1852.3049,"end":1852.8049,"sentiment":"positive","sentiment_score":0.36250537633895874}],"sentiment":"neutral","sentiment_score":0.02211944599885766,"num_words":41,"start":1839.77,"end":1852.8049},{"sentences":[{"text":"That's okay.","start":1852.945,"end":1853.585,"sentiment":"neutral","sentiment_score":0.22831036150455475},{"text":"Just wanted to double check.","start":1853.585,"end":1854.705,"sentiment":"neutral","sentiment_score":0.07530931532382965},{"text":"Alright.","start":1854.705,"end":1855.105,"sentiment":"neutral","sentiment_score":0.03949180990457535},{"text":"I've sent that off to you.","start":1855.105,"end":1855.985,"sentiment":"positive","sentiment_score":0.3534824848175049},{"text":"So you'll have that sitting in your calendar so that way we're able to it's able to remind you.","start":1855.985,"end":1860.8049,"sentiment":"positive","sentiment_score":0.3930877807893251}],"sentiment":"neutral","sentiment_score":0.3170370258616679,"num_words":33,"start":1852.945,"end":1860.8049},{"sentences":[{"text":"And I'll send you an email now with that budgeting or cash flow tool.","start":1860.865,"end":1866.145,"sentiment":"neutral","sentiment_score":0.2383716596024377},{"text":"Okay?","start":1866.145,"end":1866.645,"sentiment":"neutral","sentiment_score":0.11656531691551208},{"text":"That's okay, and we'll speak next Thursday.","start":1869.32,"end":1871.26,"sentiment":"positive","sentiment_score":0.4277671618121011},{"text":"That's okay.","start":1874.367,"end":1875.0869,"sentiment":"positive","sentiment_score":0.5173903703689575},{"text":"We'll speak then.","start":1875.0869,"end":1876.147,"sentiment":"positive","sentiment_score":0.4216008385022481}],"sentiment":"neutral","sentiment_score":0.32398970149181505,"num_words":27,"start":1860.865,"end":1876.147},{"sentences":[{"text":"Yeah.","start":1879.8069,"end":1880.0469,"sentiment":"neutral","sentiment_score":0.3102760910987854},{"text":"You too, Lisa.","start":1880.0469,"end":1881.027,"sentiment":"positive","sentiment_score":0.33915485938390094},{"text":"Bye.","start":1881.4869,"end":1881.9869,"sentiment":"neutral","sentiment_score":-0.12032093852758408}],"sentiment":"neutral","sentiment_score":0.24148394614458085,"num_words":5,"start":1879.8069,"end":1881.9869}]}}]},{"alternatives":[{"transcript":"Hello. Lisa speaking. Good. Thank you. How are you? Yes. Yep. No. No. It's fine. Well, my name's changed, so you've got it under Stevens. Lisa Marie Stevens, but my that's not my current name. So 12/03/1969 and lisa .stevens.1969@hotmail.com. Yes. Depends on how you wanna look at it. Yes. Well, I did marry overseas, but I'm back in Australia so that's saying something. Yes. Something like that. Helen? Australia is fine. It's just my my dogs are in The Caribbean, and I'm a bit stressed about them. So I'm hoping to. I have to get someone moved together before I can do anything because it's expensive to get them back. No. I'm still under my memory. Chico, c h I c o t. Yes. Yes. No. I'm keeping the name. So, yes, I do I've been trying to get things sorted out, but it's hard with trying to get everything. I just can't remember what I've done and what I haven't done. I've just updated my tax phone number, and everything's under that name. My driver's license, Medicare. Oh, I rang them, but I have to go into the branch with my ID, so I'll do that this week. Yep. Yep. Yep. Yep. So I've got my rest account, and I've got that account. And to be perfectly honest, I haven't seen I've seen more growth in my rest account even though nothing's been going into that than I have on this one, and that's the higher amount. So I thought, well, I just there's stuff everywhere. I just need to because I've just started a new job on Monday. I've got a new job Monday. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Thank you. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Well, I'm open to discussion. It's not like I'm not open to discussion discussing it and seeing where I'm at. So I I just yeah. I just when I did that because I had to do my tax form for work and get all of that sorted out. So when I did that, I just thought I'll probably be easier just to have the one. So I just that that was on the ATI website, I think. I prompted that. Yeah. Yeah. He's on the Chico. Yep. Yep. Yep. Yep. Yeah. I didn't get married in Australia, though. I've got a change of name certificate which goes from Pete. I don't know why they did it that way, though, because it's Pete, which is my maiden name, to Chico because that's my my birth certificate. I provided them my birth certificate, my marriage certificate, my divorce certificate, and everything else, and they did it from Peak to Chico instead of Stevens to Chico, which has caused a bit of drama when I've been trying to change my name because after then adding an extra document to marry up to Steven. Well, I've provided I've just had to provide the change of name and then to marry up the Stevens and Peek, yeah, with my divorce certificate, I think. And everything else is everything else is being changed. All the important things are being changed except for my sister. Yeah. Yeah. I've got all of them. Yeah. Yeah. Yeah. Yeah. Completely. Yep. Yes. What is that? Do you have do you have Dodgers Ferry? Or you have St. Lucia? You've got St. Lucia. You've got the l yeah. Yeah. Yes, please. Yep. So it's Unit 434. Oh, well, they if you put it into the system, it'll come up as 30 to 34 Anglesey Street. So A N G L E A? Oh, Angle. A N G oh god. I can't even remember how to spell it. Engel as in a n g l e s e a. Yep. South Hobart. Yes. Nailing. Yep. Yep. I still have yeah. Residence. Yep. Yep. Yep. Yep. Yep. Yep. Yes. I don't know. I really don't know. The only thing I'm really concerned about at the moment is working out a way to get my dogs back. That's about $12,000. Yeah. It's a it's a money situation, but mind you, I took over $250,000. He's used all of that. I brought a car over there. He won't sell the car to help me get them back. He's being he's he'll send them back, but I've gotta pay for it. So and until no. Well, and until we actually get a divorce, he's not going to give me anything, basically. Yeah. I've got personal things there, but, like, I I paid for well, most of that money went into our house, but the house is in his name. It's not in my name. Yeah. I have to go to women's legal and try and find out where I stand. Yeah. But they they just did say to me, yeah, make an appointment and speak to some women in there that actually deal with overseas divorce. Like, I don't know what else. Bloody thinking. This is only we've only been married just over twelve months. The women over there I did have fun, most of it, but he like, the way men treat women over there is so ridiculous. Like, you're not allowed to have an opinion. You're not allowed to do this. You're not allowed to do that even with the car. I could've put the car in my name just because I didn't I wasn't a citizen there. Didn't mean I couldn't put it in my name. There's lots of people from The UK and The US that live there, But he did he was adamant about putting it in his name. Adamant which I did. So oh, someone else is calling me. Can I just take this? Because I'm waiting on a job. So and a different one. Only be a second. Thank you. Oh, it's just a silly lady about Internet. I've got I've just I'm taking on a new job, but it's with an next employer that I used to work for. Mhmm. But I've also got an interview on Friday, next Friday for CSR, and that's based in Hobart. The other one's based in Launceston. I really want this one in Hobart because I'm based in Hobart now. I don't wanna go back to Launceston. It's where I came from originally. But I'm originally I was born in Hobart, but I lived in Launceston for twenty odd years, twenty five years. And I don't wanna be in Launceston. I wanna be here. So I need a job in Hyderabad. I'm only taking that one as an interim job. Is that bad? Is is that bad? I need the money. Yeah. Yeah. When you go through what's I don't know if you think yeah. Yeah. Yeah. Oh, that's gonna annoy me now. The it's six months probation your probation period. Yeah. Yeah. So yeah. Well, look, I feel really bad, though, because when I brought my house when I originally brought my own home after I divorced the first time, everyone said you'll never get another house. You'll never get another house. And this company gave me my stepping stone to actually buy a house on my own. And but then they sold they sold the business to different I think it was a Japanese company. But I come back to Australia, and they're the first ones that have offered me a job. So I feel a bit guilty about doing it, but I'm not. Like, I think I need to have a job right now, but I need something that I wanna stay in long term till I retire. Yep. Pardon? How much is the income? So 70 5 with the company vehicle, laptop, and phone, and then the super and commission as well. So at least I won't have a vehicle to worry about. I don't have to pay fuel and anything like that, so that's good. Yeah. Yeah. CSR is, like, yeah, $90, which is much better, plus the same car, everything else. Business development. Yes. Business development. Yep. Yeah. Yeah. Well, I'm gonna stay with the girlfriend, but I'm sort of trying to work at where I can leave here Monday morning at six in the morning because it's two and a half hours to drive the lawn system. I thought I'll leave here Monday morning, and then I'll come back when Thursday night. So if I I'm only staying away Monday, Tuesday, Wednesday, and I'll finish work on Thursday afternoon about four ish and head back here and just do all my admin stuff on a Friday in Highmark. So I get four days at home because I've got a little unit here, And I don't I don't wanna give this up because I was actually very lucky, to be honest, because when I came back with all the drama with my ex husband, I went into Housing Connect because I I was staying with my daughter on a mattress on the floor. And they have actually given me this transitional unit. So the rent's been good because I've been on JobSeeker since I've been back. And I said if I get a job, will you kick me out? And I said no. But when you get into one of those places, it puts you on the top of the list for housing. And because I don't have a house now, it's gonna be very difficult for me to find something at my age too. Like, I'm, like, 56, 10, and 57. I'm actually surprised I got a job. You know, I'm getting older. Yeah. Yeah. I don't look my age either, so that's a bonus. Most people think I'm in my forties. Most people think I'm in my forties, but I'm not. I'm closer to 60 these days than I am. 50. Yep. Well, I could do it next week, but it'll probably have to be after four. Yeah. Not on a Friday, though. Yeah. Do it Thursday because I'm starting the job on Monday, so by Thursday, I reckon. Well, the boss will be with me probably until Thursday, I reckon. So it might I might need to do it afternoon. Yeah. Yeah. Will you still be at work? Well, you can have a you can have a coffee while you're talking to me. Me too. Yep. Yep. Yep. What do what do you actually need? I'm on I mean, that I mean, that's now. Let me have a look. Accounts, investments, insurance, beneficiary statements, and communications. Is it in there? So I've got no insurance coverage now. That's actually stopped, but it it will trigger that back, I think, once I start. The twenty four twenty five annual lenders meeting notice? No. I can't see anything there. Insurance coverage annual review. Investments. Yeah. I can tell you the balance now if you like. That's 25,200 and $83.83. Yep. High growth. It just says high growth for future contributions, a hundred percent ten year return. Let's have a look. I wanna see if it gives me anything else. Yep. It would have been, yeah, just over twelve months ago. I think the last one was January. Hold on. I'll tell you. Oh, would have been January 2025. Yeah. Actually, the last one was the 02/20/2025. Yep. Yep. Yes. Mhmm. Yep. Awesome. Well, I've got this job. I just don't know about the next one. Yeah. I've got I've got this job with Sebigas, and I'll have to stay with that anyway until I secure another one. Yep. Yep. Yep. That'd be good. Zero. Doesn't matter me. Whatever you feel more comfortable with. Every time would be better. Yeah. Yep. Awesome. Thank you. No worries. Thanks for that. Have a good have a good afternoon. You're the same. 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Lisa speaking. Good. Thank you. How are you?\n\nYes. Yep. No. No. It's fine.\n\nWell, my name's changed, so you've got it under Stevens. Lisa Marie Stevens, but my that's not my current name. So 12/03/1969 and lisa .stevens.1969@hotmail.com. Yes. Depends on how you wanna look at it.\n\nYes. Well, I did marry overseas, but I'm back in Australia so that's saying something. Yes. Something like that. Helen?\n\nAustralia is fine. It's just my my dogs are in The Caribbean, and I'm a bit stressed about them. So I'm hoping to. I have to get someone moved together before I can do anything because it's expensive to get them back. No.\n\nI'm still under my memory. Chico, c h I c o t. Yes. Yes. No.\n\nI'm keeping the name. So, yes, I do I've been trying to get things sorted out, but it's hard with trying to get everything. I just can't remember what I've done and what I haven't done. I've just updated my tax phone number, and everything's under that name. My driver's license, Medicare.\n\nOh, I rang them, but I have to go into the branch with my ID, so I'll do that this week. Yep. Yep. Yep. Yep.\n\nSo I've got my rest account, and I've got that account. And to be perfectly honest, I haven't seen I've seen more growth in my rest account even though nothing's been going into that than I have on this one, and that's the higher amount. So I thought, well, I just there's stuff everywhere. I just need to because I've just started a new job on Monday. I've got a new job Monday.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Thank you.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYeah. Yeah. Well, I'm open to discussion. It's not like I'm not open to discussion discussing it and seeing where I'm at. So I I just yeah.\n\nI just when I did that because I had to do my tax form for work and get all of that sorted out. So when I did that, I just thought I'll probably be easier just to have the one. So I just that that was on the ATI website, I think. I prompted that. Yeah.\n\nYeah. He's on the Chico. Yep. Yep. Yep.\n\nYep. Yeah. I didn't get married in Australia, though. I've got a change of name certificate which goes from Pete. I don't know why they did it that way, though, because it's Pete, which is my maiden name, to Chico because that's my my birth certificate.\n\nI provided them my birth certificate, my marriage certificate, my divorce certificate, and everything else, and they did it from Peak to Chico instead of Stevens to Chico, which has caused a bit of drama when I've been trying to change my name because after then adding an extra document to marry up to Steven. Well, I've provided I've just had to provide the change of name and then to marry up the Stevens and Peek, yeah, with my divorce certificate, I think. And everything else is everything else is being changed. All the important things are being changed except for my sister. Yeah.\n\nYeah. I've got all of them. Yeah. Yeah. Yeah.\n\nYeah. Completely. Yep. Yes. What is that?\n\nDo you have do you have Dodgers Ferry? Or you have St. Lucia? You've got St. Lucia.\n\nYou've got the l yeah. Yeah. Yes, please. Yep. So it's Unit 434.\n\nOh, well, they if you put it into the system, it'll come up as 30 to 34 Anglesey Street. So A N G L E A? Oh, Angle. A N G oh god. I can't even remember how to spell it.\n\nEngel as in a n g l e s e a. Yep. South Hobart. Yes. Nailing.\n\nYep. Yep. I still have yeah. Residence. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. I don't know. I really don't know. The only thing I'm really concerned about at the moment is working out a way to get my dogs back. That's about $12,000.\n\nYeah. It's a it's a money situation, but mind you, I took over $250,000. He's used all of that. I brought a car over there. He won't sell the car to help me get them back.\n\nHe's being he's he'll send them back, but I've gotta pay for it. So and until no. Well, and until we actually get a divorce, he's not going to give me anything, basically. Yeah. I've got personal things there, but, like, I I paid for well, most of that money went into our house, but the house is in his name.\n\nIt's not in my name. Yeah. I have to go to women's legal and try and find out where I stand. Yeah. But they they just did say to me, yeah, make an appointment and speak to some women in there that actually deal with overseas divorce.\n\nLike, I don't know what else. Bloody thinking. This is only we've only been married just over twelve months. The women over there I did have fun, most of it, but he like, the way men treat women over there is so ridiculous. Like, you're not allowed to have an opinion.\n\nYou're not allowed to do this. You're not allowed to do that even with the car. I could've put the car in my name just because I didn't I wasn't a citizen there. Didn't mean I couldn't put it in my name. There's lots of people from The UK and The US that live there, But he did he was adamant about putting it in his name.\n\nAdamant which I did. So oh, someone else is calling me. Can I just take this? Because I'm waiting on a job. So and a different one.\n\nOnly be a second. Thank you. Oh, it's just a silly lady about Internet. I've got I've just I'm taking on a new job, but it's with an next employer that I used to work for. Mhmm.\n\nBut I've also got an interview on Friday, next Friday for CSR, and that's based in Hobart. The other one's based in Launceston. I really want this one in Hobart because I'm based in Hobart now. I don't wanna go back to Launceston. It's where I came from originally.\n\nBut I'm originally I was born in Hobart, but I lived in Launceston for twenty odd years, twenty five years. And I don't wanna be in Launceston. I wanna be here. So I need a job in Hyderabad. I'm only taking that one as an interim job.\n\nIs that bad? Is is that bad? I need the money. Yeah. Yeah.\n\nWhen you go through what's I don't know if you think yeah. Yeah. Yeah. Oh, that's gonna annoy me now. The it's six months probation your probation period.\n\nYeah. Yeah. So yeah. Well, look, I feel really bad, though, because when I brought my house when I originally brought my own home after I divorced the first time, everyone said you'll never get another house. You'll never get another house.\n\nAnd this company gave me my stepping stone to actually buy a house on my own. And but then they sold they sold the business to different I think it was a Japanese company. But I come back to Australia, and they're the first ones that have offered me a job. So I feel a bit guilty about doing it, but I'm not. Like, I think I need to have a job right now, but I need something that I wanna stay in long term till I retire.\n\nYep. Pardon? How much is the income? So 70 5 with the company vehicle, laptop, and phone, and then the super and commission as well. So at least I won't have a vehicle to worry about.\n\nI don't have to pay fuel and anything like that, so that's good. Yeah. Yeah. CSR is, like, yeah, $90, which is much better, plus the same car, everything else. Business development.\n\nYes. Business development. Yep. Yeah. Yeah.\n\nWell, I'm gonna stay with the girlfriend, but I'm sort of trying to work at where I can leave here Monday morning at six in the morning because it's two and a half hours to drive the lawn system. I thought I'll leave here Monday morning, and then I'll come back when Thursday night. So if I I'm only staying away Monday, Tuesday, Wednesday, and I'll finish work on Thursday afternoon about four ish and head back here and just do all my admin stuff on a Friday in Highmark. So I get four days at home because I've got a little unit here, And I don't I don't wanna give this up because I was actually very lucky, to be honest, because when I came back with all the drama with my ex husband, I went into Housing Connect because I I was staying with my daughter on a mattress on the floor. And they have actually given me this transitional unit.\n\nSo the rent's been good because I've been on JobSeeker since I've been back. And I said if I get a job, will you kick me out? And I said no. But when you get into one of those places, it puts you on the top of the list for housing. And because I don't have a house now, it's gonna be very difficult for me to find something at my age too.\n\nLike, I'm, like, 56, 10, and 57. I'm actually surprised I got a job. You know, I'm getting older. Yeah. Yeah.\n\nI don't look my age either, so that's a bonus. Most people think I'm in my forties. Most people think I'm in my forties, but I'm not. I'm closer to 60 these days than I am. 50.\n\nYep. Well, I could do it next week, but it'll probably have to be after four. Yeah. Not on a Friday, though. Yeah.\n\nDo it Thursday because I'm starting the job on Monday, so by Thursday, I reckon. Well, the boss will be with me probably until Thursday, I reckon. So it might I might need to do it afternoon. Yeah. Yeah.\n\nWill you still be at work? Well, you can have a you can have a coffee while you're talking to me. Me too. Yep. Yep.\n\nYep. What do what do you actually need? I'm on I mean, that I mean, that's now. Let me have a look. Accounts, investments, insurance, beneficiary statements, and communications.\n\nIs it in there? So I've got no insurance coverage now. That's actually stopped, but it it will trigger that back, I think, once I start. The twenty four twenty five annual lenders meeting notice? No.\n\nI can't see anything there. Insurance coverage annual review. Investments. Yeah. I can tell you the balance now if you like.\n\nThat's 25,200 and $83.83. Yep. High growth. It just says high growth for future contributions, a hundred percent ten year return. Let's have a look.\n\nI wanna see if it gives me anything else. Yep. It would have been, yeah, just over twelve months ago. I think the last one was January. Hold on.\n\nI'll tell you. Oh, would have been January 2025. Yeah. Actually, the last one was the 02/20/2025. Yep.\n\nYep. Yes. Mhmm. Yep. Awesome.\n\nWell, I've got this job. I just don't know about the next one. Yeah. I've got I've got this job with Sebigas, and I'll have to stay with that anyway until I secure another one. Yep.\n\nYep. Yep. That'd be good. Zero. Doesn't matter me.\n\nWhatever you feel more comfortable with. Every time would be better. Yeah. Yep. Awesome.\n\nThank you. No worries. Thanks for that. Have a good have a good afternoon. You're the same.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.030085448175668716},{"text":"Lisa speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.027397247031331062},{"text":"Good.","start":6.8799996,"end":7.2,"sentiment":"positive","sentiment_score":0.5369178056716919},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5525936335325241},{"text":"How are 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Stevens.","start":73.335,"end":76.075,"sentiment":"neutral","sentiment_score":0.0001554892398416996},{"text":"Lisa Marie Stevens, but my that's not my current name.","start":77.895,"end":81.095,"sentiment":"neutral","sentiment_score":-0.04814389618113637},{"text":"So 12/03/1969 and lisa .stevens.1969@hotmail.com.","start":81.095,"end":94.9,"sentiment":"neutral","sentiment_score":0.0066539222374558445},{"text":"Yes.","start":99.485,"end":99.985,"sentiment":"neutral","sentiment_score":0.05921183526515961},{"text":"Depends on how you wanna look at it.","start":102.125,"end":104.145,"sentiment":"neutral","sentiment_score":0.02734767715446651}],"sentiment":"neutral","sentiment_score":-0.004959447227199288,"num_words":34,"start":73.335,"end":104.145},{"sentences":[{"text":"Yes.","start":113.76,"end":114.0,"sentiment":"neutral","sentiment_score":0.024184737354516983},{"text":"Well, I did marry overseas, but I'm back in Australia so that's saying 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have to get someone moved together before I can do anything because it's expensive to get them back.","start":153.88501,"end":160.77,"sentiment":"neutral","sentiment_score":-0.17333774798010526},{"text":"No.","start":172.93001,"end":173.43001,"sentiment":"neutral","sentiment_score":-0.17799445986747742}],"sentiment":"neutral","sentiment_score":-0.13519042301489864,"num_words":43,"start":138.31,"end":173.43001},{"sentences":[{"text":"I'm still under my memory.","start":174.53499,"end":175.995,"sentiment":"neutral","sentiment_score":-0.17790396213531495},{"text":"Chico, c h I c o t.","start":186.135,"end":188.95499,"sentiment":"neutral","sentiment_score":0.0029021317272314},{"text":"Yes.","start":192.98999,"end":193.48999,"sentiment":"neutral","sentiment_score":0.0482080802321434},{"text":"Yes.","start":205.075,"end":205.575,"sentiment":"neutral","sentiment_score":0.04641425982117653},{"text":"No.","start":215.795,"end":215.95499,"sentiment":"neutral","sentiment_score":-0.07656405866146088}],"sentiment":"neutral","sentiment_score":-0.05674310714627306,"num_words":15,"start":174.53499,"end":215.95499},{"sentences":[{"text":"I'm keeping the name.","start":215.95499,"end":217.17499,"sentiment":"neutral","sentiment_score":-0.09410344250500202},{"text":"So, yes, I do I've been trying to get things sorted out, but it's hard with trying to get everything.","start":218.84001,"end":227.02,"sentiment":"neutral","sentiment_score":-0.14934998573735356},{"text":"I just can't remember what I've done and what I haven't done.","start":227.88,"end":231.18001,"sentiment":"neutral","sentiment_score":-0.1861119568347931},{"text":"I've just updated my tax phone number, and everything's under that name.","start":233.60501,"end":237.625,"sentiment":"neutral","sentiment_score":0.07159358728677034},{"text":"My driver's license, Medicare.","start":237.845,"end":239.545,"sentiment":"neutral","sentiment_score":0.11490469425916672}],"sentiment":"neutral","sentiment_score":-0.08226952196743625,"num_words":52,"start":215.95499,"end":239.545},{"sentences":[{"text":"Oh, I rang them, but I have to go into the branch with my ID, so I'll do that this 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amount.","start":316.835,"end":328.195,"sentiment":"neutral","sentiment_score":0.04432776153964155},{"text":"So I thought, well, I just there's stuff everywhere.","start":328.195,"end":331.97,"sentiment":"neutral","sentiment_score":-0.0818543392750952},{"text":"I just need to because I've just started a new job on Monday.","start":332.11,"end":337.38998,"sentiment":"neutral","sentiment_score":-0.04930280492855953},{"text":"I've got a new job 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I'm open to discussion.","start":522.85,"end":524.37,"sentiment":"neutral","sentiment_score":0.1581399530172348},{"text":"It's not like I'm not open to discussion discussing it and seeing where I'm at.","start":524.37,"end":528.77,"sentiment":"neutral","sentiment_score":0.001991864045461019},{"text":"So I I just yeah.","start":528.77,"end":535.73,"sentiment":"neutral","sentiment_score":0.052061057090759276}],"sentiment":"neutral","sentiment_score":0.04763048942442293,"num_words":27,"start":520.515,"end":535.73},{"sentences":[{"text":"I just when I did that because I had to do my tax form for work and get all of that sorted out.","start":535.73,"end":543.015,"sentiment":"neutral","sentiment_score":0.004444967631412588},{"text":"So when I did that, I just thought I'll probably be easier just to have the one.","start":543.015,"end":549.755,"sentiment":"neutral","sentiment_score":0.11177480089313843},{"text":"So I just that that was on the ATI website, I 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my divorce certificate, I think.","start":648.15497,"end":667.275,"sentiment":"neutral","sentiment_score":0.034718699919592054},{"text":"And everything else is everything else is being changed.","start":669.11505,"end":671.515,"sentiment":"neutral","sentiment_score":0.037249632386697665},{"text":"All the important things are being changed except for my sister.","start":671.515,"end":674.895,"sentiment":"neutral","sentiment_score":0.010067903182723305},{"text":"Yeah.","start":675.275,"end":675.775,"sentiment":"neutral","sentiment_score":0.0021245554089546204}],"sentiment":"neutral","sentiment_score":-0.004439620507093003,"num_words":104,"start":619.615,"end":675.775},{"sentences":[{"text":"Yeah.","start":682.97003,"end":683.47003,"sentiment":"neutral","sentiment_score":0.16491658985614777},{"text":"I've got all of 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basically.","start":948.02,"end":953.56,"sentiment":"neutral","sentiment_score":-0.21537404647096992},{"text":"Yeah.","start":964.02496,"end":964.425,"sentiment":"neutral","sentiment_score":-0.07123350352048874},{"text":"I've got personal things there, but, like, I I paid for well, most of that money went into our house, but the house is in his name.","start":964.425,"end":974.54,"sentiment":"neutral","sentiment_score":-0.2147161461136959}],"sentiment":"neutral","sentiment_score":-0.17707558458701508,"num_words":61,"start":936.765,"end":974.54},{"sentences":[{"text":"It's not in my name.","start":974.54,"end":975.76,"sentiment":"neutral","sentiment_score":-0.3151050269603729},{"text":"Yeah.","start":995.35,"end":995.59,"sentiment":"neutral","sentiment_score":-0.0875319093465805},{"text":"I have to go to women's legal and try and find out where I 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there.","start":1042.215,"end":1047.515,"sentiment":"neutral","sentiment_score":-0.31739652069175944},{"text":"Didn't mean I couldn't put it in my name.","start":1047.575,"end":1049.335,"sentiment":"neutral","sentiment_score":-0.15318858044015038},{"text":"There's lots of people from The UK and The US that live there, But he did he was adamant about putting it in his name.","start":1049.335,"end":1057.23,"sentiment":"neutral","sentiment_score":-0.07848867535591125}],"sentiment":"neutral","sentiment_score":-0.24662031822684985,"num_words":67,"start":1038.295,"end":1057.23},{"sentences":[{"text":"Adamant which I did.","start":1057.61,"end":1059.79,"sentiment":"neutral","sentiment_score":-0.0642434312030673},{"text":"So oh, someone else is calling me.","start":1060.41,"end":1063.9299,"sentiment":"neutral","sentiment_score":-0.10938630785260882},{"text":"Can I just take this?","start":1063.9299,"end":1064.8099,"sentiment":"neutral","sentiment_score":-0.09592949450016022},{"text":"Because I'm waiting on a job.","start":1064.8099,"end":1066.19,"sentiment":"neutral","sentiment_score":-0.13478959475954375},{"text":"So and a different one.","start":1066.25,"end":1068.03,"sentiment":"neutral","sentiment_score":-0.05672995895147324}],"sentiment":"neutral","sentiment_score":-0.09610047094799855,"num_words":27,"start":1057.61,"end":1068.03},{"sentences":[{"text":"Only be a second.","start":1068.735,"end":1069.715,"sentiment":"neutral","sentiment_score":-0.09310008399188519},{"text":"Thank you.","start":1070.655,"end":1071.395,"sentiment":"neutral","sentiment_score":0.17059190571308136},{"text":"Oh, it's just a silly lady about Internet.","start":1115.1799,"end":1117.2799,"sentiment":"neutral","sentiment_score":-0.20477049611508846},{"text":"I've got I've just I'm taking on a new job, but it's with an next employer that I used to work 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came from originally.","start":1142.45,"end":1143.9099,"sentiment":"neutral","sentiment_score":-0.08027203256885211}],"sentiment":"neutral","sentiment_score":0.06736721569786266,"num_words":49,"start":1127.415,"end":1143.9099},{"sentences":[{"text":"But I'm originally I was born in Hobart, but I lived in Launceston for twenty odd years, twenty five years.","start":1144.85,"end":1151.245,"sentiment":"neutral","sentiment_score":-0.005889923241920769},{"text":"And I don't wanna be in Launceston.","start":1151.245,"end":1153.905,"sentiment":"neutral","sentiment_score":-0.27249970606395174},{"text":"I wanna be here.","start":1153.965,"end":1154.845,"sentiment":"neutral","sentiment_score":-0.08606447279453278},{"text":"So I need a job in Hyderabad.","start":1154.845,"end":1156.125,"sentiment":"neutral","sentiment_score":-0.041662594569580894},{"text":"I'm only taking that one as an interim 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yeah.","start":1196.4199,"end":1203.94,"sentiment":"neutral","sentiment_score":-0.1381763517856598},{"text":"Well, look, I feel really bad, though, because when I brought my house when I originally brought my own home after I divorced the first time, everyone said you'll never get another house.","start":1203.94,"end":1216.6051,"sentiment":"neutral","sentiment_score":-0.1983769034797495},{"text":"You'll never get another house.","start":1216.6051,"end":1217.805,"sentiment":"neutral","sentiment_score":-0.2460158497095108}],"sentiment":"neutral","sentiment_score":-0.19247362962258713,"num_words":42,"start":1194.26,"end":1217.805},{"sentences":[{"text":"And this company gave me my stepping stone to actually buy a house on my own.","start":1217.805,"end":1225.8201,"sentiment":"neutral","sentiment_score":-0.04499339254107326},{"text":"And but then they sold they sold the business to different I think it was a Japanese 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about.","start":1284.3501,"end":1286.955,"sentiment":"positive","sentiment_score":0.6041679219766096}],"sentiment":"neutral","sentiment_score":0.28650297152085435,"num_words":36,"start":1258.88,"end":1286.955},{"sentences":[{"text":"I don't have to pay fuel and anything like that, so that's good.","start":1287.355,"end":1290.735,"sentiment":"positive","sentiment_score":0.5097840244953449},{"text":"Yeah.","start":1296.955,"end":1297.455,"sentiment":"neutral","sentiment_score":0.09262670576572418},{"text":"Yeah.","start":1297.835,"end":1298.335,"sentiment":"neutral","sentiment_score":0.09127775579690932},{"text":"CSR is, like, yeah, $90, which is much better, plus the same car, everything else.","start":1298.3949,"end":1306.75,"sentiment":"neutral","sentiment_score":0.16606855938831966},{"text":"Business 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mattress on the floor.","start":1364.2201,"end":1380.735,"sentiment":"neutral","sentiment_score":0.09483694436494261},{"text":"And they have actually given me this transitional unit.","start":1383.17,"end":1386.4701,"sentiment":"positive","sentiment_score":0.4182318581475152}],"sentiment":"neutral","sentiment_score":0.08313557525033966,"num_words":163,"start":1334.23,"end":1386.4701},{"sentences":[{"text":"So the rent's been good because I've been on JobSeeker since I've been back.","start":1386.77,"end":1390.9501,"sentiment":"positive","sentiment_score":0.5627687999180385},{"text":"And I said if I get a job, will you kick me out?","start":1391.01,"end":1394.2101,"sentiment":"neutral","sentiment_score":-0.13980336028795975},{"text":"And I said no.","start":1394.2101,"end":1395.0901,"sentiment":"neutral","sentiment_score":-0.0926979947835207},{"text":"But when you get into one of those places, it puts you on the top of the list for housing.","start":1395.0901,"end":1399.895,"sentiment":"neutral","sentiment_score":0.14512457009404897},{"text":"And because I don't have a house now, it's gonna be very difficult for me to find something at my age too.","start":1400.675,"end":1407.875,"sentiment":"neutral","sentiment_score":-0.1545511231842366}],"sentiment":"neutral","sentiment_score":0.07113553736716101,"num_words":73,"start":1386.77,"end":1407.875},{"sentences":[{"text":"Like, I'm, like, 56, 10, and 57.","start":1407.875,"end":1410.93,"sentiment":"neutral","sentiment_score":-0.10852996579238347},{"text":"I'm actually surprised I got a job.","start":1411.89,"end":1413.75,"sentiment":"neutral","sentiment_score":-0.2888142764568329},{"text":"You know, I'm getting 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though.","start":1474.63,"end":1476.17,"sentiment":"neutral","sentiment_score":-0.06984278857707978},{"text":"Yeah.","start":1488.865,"end":1489.0249,"sentiment":"neutral","sentiment_score":0.032853011041879654}],"sentiment":"neutral","sentiment_score":-0.026312717115101608,"num_words":23,"start":1443.46,"end":1489.0249},{"sentences":[{"text":"Do it Thursday because I'm starting the job on Monday, so by Thursday, I reckon.","start":1489.0249,"end":1501.52,"sentiment":"neutral","sentiment_score":0.0861743504802386},{"text":"Well, the boss will be with me probably until Thursday, I reckon.","start":1503.8201,"end":1508.265,"sentiment":"neutral","sentiment_score":0.004769297316670418},{"text":"So it might I might need to do it afternoon.","start":1509.285,"end":1512.185,"sentiment":"neutral","sentiment_score":0.00944967120885849},{"text":"Yeah.","start":1516.3251,"end":1516.8251,"sentiment":"neutral","sentiment_score":0.00945202261209488},{"text":"Yeah.","start":1518.4851,"end":1518.9851,"sentiment":"neutral","sentiment_score":0.00003694836050271988}],"sentiment":"neutral","sentiment_score":0.03727775661704632,"num_words":39,"start":1489.0249,"end":1518.9851},{"sentences":[{"text":"Will you still be at work?","start":1519.4451,"end":1520.79,"sentiment":"neutral","sentiment_score":-0.00939488938699166},{"text":"Well, you can have a you can have a coffee while you're talking to me.","start":1523.3501,"end":1526.17,"sentiment":"neutral","sentiment_score":0.05583242724339167},{"text":"Me too.","start":1530.7101,"end":1531.4501,"sentiment":"neutral","sentiment_score":0.08435580879449844},{"text":"Yep.","start":1547.265,"end":1547.765,"sentiment":"neutral","sentiment_score":0.03901022672653198},{"text":"Yep.","start":1548.145,"end":1548.645,"sentiment":"neutral","sentiment_score":-0.01312139257788658}],"sentiment":"neutral","sentiment_score":0.0390287009626627,"num_words":25,"start":1519.4451,"end":1548.645},{"sentences":[{"text":"Yep.","start":1554.39,"end":1554.89,"sentiment":"neutral","sentiment_score":0.019053764641284943},{"text":"What do what do you actually need?","start":1560.63,"end":1562.805,"sentiment":"neutral","sentiment_score":0.04471507189529283},{"text":"I'm on I mean, that I mean, that's now.","start":1571.125,"end":1574.3451,"sentiment":"neutral","sentiment_score":0.04509701465980874},{"text":"Let me have a look.","start":1577.2051,"end":1578.45,"sentiment":"neutral","sentiment_score":0.00920647494494915},{"text":"Accounts, investments, insurance, beneficiary statements, and communications.","start":1579.8899,"end":1583.75,"sentiment":"neutral","sentiment_score":0.009709932475483843}],"sentiment":"neutral","sentiment_score":0.029377044893094693,"num_words":29,"start":1554.39,"end":1583.75},{"sentences":[{"text":"Is it in there?","start":1585.09,"end":1586.07,"sentiment":"neutral","sentiment_score":0.012092031305655837},{"text":"So I've got no insurance coverage now.","start":1589.33,"end":1591.25,"sentiment":"neutral","sentiment_score":-0.09798930319292205},{"text":"That's actually stopped, but it it will trigger that back, I think, once I start.","start":1591.25,"end":1595.7849,"sentiment":"neutral","sentiment_score":-0.08957956135272979},{"text":"The twenty four twenty five annual lenders meeting notice?","start":1598.725,"end":1601.865,"sentiment":"neutral","sentiment_score":0.0006040494061178631},{"text":"No.","start":1603.365,"end":1603.865,"sentiment":"neutral","sentiment_score":-0.10411406308412552}],"sentiment":"neutral","sentiment_score":-0.05777577877355119,"num_words":36,"start":1585.09,"end":1603.865},{"sentences":[{"text":"I can't see anything there.","start":1606.0049,"end":1607.61,"sentiment":"neutral","sentiment_score":-0.14651454538106917},{"text":"Insurance coverage annual review.","start":1612.33,"end":1614.27,"sentiment":"neutral","sentiment_score":-0.0554572893306613},{"text":"Investments.","start":1622.33,"end":1622.83,"sentiment":"neutral","sentiment_score":0.006196863017976284},{"text":"Yeah.","start":1627.245,"end":1627.645,"sentiment":"neutral","sentiment_score":0.044769905507564545},{"text":"I can tell you the balance now if you like.","start":1627.645,"end":1630.145,"sentiment":"neutral","sentiment_score":0.1099292740225792}],"sentiment":"neutral","sentiment_score":0.009326553548730555,"num_words":21,"start":1606.0049,"end":1630.145},{"sentences":[{"text":"That's 25,200 and $83.83.","start":1632.2051,"end":1637.97,"sentiment":"neutral","sentiment_score":0.07802565302699804},{"text":"Yep.","start":1645.1699,"end":1645.4099,"sentiment":"neutral","sentiment_score":0.15289855003356934},{"text":"High growth.","start":1645.4099,"end":1646.23,"sentiment":"neutral","sentiment_score":0.2899637222290039},{"text":"It just says high growth for future contributions, a hundred percent ten year return.","start":1647.8099,"end":1652.39,"sentiment":"neutral","sentiment_score":0.255693148289408},{"text":"Let's have a look.","start":1654.1849,"end":1655.3049,"sentiment":"neutral","sentiment_score":0.10241019167006016}],"sentiment":"neutral","sentiment_score":0.2013709379732609,"num_words":25,"start":1632.2051,"end":1655.3049},{"sentences":[{"text":"I wanna see if it gives me anything else.","start":1655.3049,"end":1657.485,"sentiment":"neutral","sentiment_score":0.08448214290870561},{"text":"Yep.","start":1659.785,"end":1660.285,"sentiment":"neutral","sentiment_score":0.018440380692481995},{"text":"It would have been, yeah, just over twelve months ago.","start":1672.16,"end":1675.52,"sentiment":"neutral","sentiment_score":-0.014454830065369606},{"text":"I think the last one was January.","start":1675.52,"end":1677.54,"sentiment":"neutral","sentiment_score":-0.004586442240646907},{"text":"Hold on.","start":1678.4,"end":1678.8,"sentiment":"neutral","sentiment_score":0.006329707335680723}],"sentiment":"neutral","sentiment_score":0.021199506386343776,"num_words":29,"start":1655.3049,"end":1678.8},{"sentences":[{"text":"I'll tell you.","start":1678.8,"end":1679.535,"sentiment":"neutral","sentiment_score":0.035391390323638916},{"text":"Oh, would have been January 2025.","start":1685.295,"end":1695.7102,"sentiment":"neutral","sentiment_score":0.020316336303949356},{"text":"Yeah.","start":1706.965,"end":1707.465,"sentiment":"neutral","sentiment_score":0.020586661994457245},{"text":"Actually, the last one was the 02/20/2025.","start":1708.0049,"end":1712.1849,"sentiment":"neutral","sentiment_score":0.024030172931296483},{"text":"Yep.","start":1735.13,"end":1735.63,"sentiment":"neutral","sentiment_score":0.04697202891111374}],"sentiment":"neutral","sentiment_score":0.02576900501218107,"num_words":18,"start":1678.8,"end":1735.63},{"sentences":[{"text":"Yep.","start":1747.535,"end":1748.035,"sentiment":"neutral","sentiment_score":0.12951821088790894},{"text":"Yes.","start":1748.3351,"end":1748.82,"sentiment":"neutral","sentiment_score":0.1394457072019577},{"text":"Mhmm.","start":1759.38,"end":1759.62,"sentiment":"neutral","sentiment_score":0.16389214992523193},{"text":"Yep.","start":1759.62,"end":1760.12,"sentiment":"neutral","sentiment_score":0.28311336040496826},{"text":"Awesome.","start":1764.375,"end":1764.875,"sentiment":"positive","sentiment_score":0.6582452058792114}],"sentiment":"neutral","sentiment_score":0.2748429268598557,"num_words":5,"start":1747.535,"end":1764.875},{"sentences":[{"text":"Well, I've got this job.","start":1783.87,"end":1785.41,"sentiment":"neutral","sentiment_score":-0.0711468018591404},{"text":"I just don't know about the next one.","start":1785.63,"end":1787.595,"sentiment":"neutral","sentiment_score":-0.11188694275915623},{"text":"Yeah.","start":1790.395,"end":1790.875,"sentiment":"neutral","sentiment_score":0.04230576008558273},{"text":"I've got I've got this job with Sebigas, and I'll have to stay with that anyway until I secure another one.","start":1790.875,"end":1798.1749,"sentiment":"neutral","sentiment_score":-0.001590326117972533},{"text":"Yep.","start":1813.49,"end":1813.99,"sentiment":"neutral","sentiment_score":0.10782277584075928}],"sentiment":"neutral","sentiment_score":-0.03150271844222314,"num_words":36,"start":1783.87,"end":1813.99},{"sentences":[{"text":"Yep.","start":1819.865,"end":1820.365,"sentiment":"neutral","sentiment_score":0.11503853648900986},{"text":"Yep.","start":1821.7051,"end":1821.9451,"sentiment":"neutral","sentiment_score":0.15294356644153595},{"text":"That'd be good.","start":1821.9451,"end":1822.925,"sentiment":"neutral","sentiment_score":0.2811091144879659},{"text":"Zero.","start":1834.99,"end":1835.49,"sentiment":"neutral","sentiment_score":0.03469083085656166},{"text":"Doesn't matter me.","start":1835.63,"end":1836.6901,"sentiment":"neutral","sentiment_score":0.029146833966175716}],"sentiment":"neutral","sentiment_score":0.13704897546105915,"num_words":9,"start":1819.865,"end":1836.6901},{"sentences":[{"text":"Whatever you feel more comfortable with.","start":1836.99,"end":1839.315,"sentiment":"neutral","sentiment_score":0.05035538660983244},{"text":"Every time would be better.","start":1849.1549,"end":1850.5149,"sentiment":"neutral","sentiment_score":0.015539203584194184},{"text":"Yeah.","start":1850.5149,"end":1851.0149,"sentiment":"neutral","sentiment_score":0.06422919034957886},{"text":"Yep.","start":1866.77,"end":1867.01,"sentiment":"neutral","sentiment_score":0.31437739729881287},{"text":"Awesome.","start":1867.01,"end":1867.51,"sentiment":"positive","sentiment_score":0.7964762449264526}],"sentiment":"neutral","sentiment_score":0.11106508358248643,"num_words":14,"start":1836.99,"end":1867.51},{"sentences":[{"text":"Thank you.","start":1867.57,"end":1868.3099,"sentiment":"positive","sentiment_score":0.7969237267971039},{"text":"No worries.","start":1871.645,"end":1872.365,"sentiment":"positive","sentiment_score":0.41668350994586945},{"text":"Thanks for that.","start":1872.365,"end":1873.185,"sentiment":"positive","sentiment_score":0.7373916506767273},{"text":"Have a good have a good afternoon.","start":1876.365,"end":1878.4651,"sentiment":"positive","sentiment_score":0.6880801830972944},{"text":"You're the same.","start":1879.405,"end":1880.225,"sentiment":"positive","sentiment_score":0.523287316163381}],"sentiment":"positive","sentiment_score":0.6485772150404313,"num_words":17,"start":1867.57,"end":1880.225},{"sentences":[{"text":"Bye.","start":1881.3251,"end":1881.8251,"sentiment":"neutral","sentiment_score":0.24551276862621307}],"sentiment":"neutral","sentiment_score":0.24551276862621307,"num_words":1,"start":1881.3251,"end":1881.8251}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Lisa speaking.\n\nChannel 0: Hi. Larissa from OP Financial. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Good. Thank you. Sorry to call you out of the blue. I was just giving you a call. Caden, my administrate administrator, had just passed on your file to me.\n\nSo I'm the head of advice at Berkeley Financial, and he had asked me to have a look over things because previously, you had lived overseas, and and he wanted me to reach out because as I understand, he moved back to Australia.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different. If you had some time to chat now or I could give you a callback?\n\nChannel 1: Yep. No. No.\n\nChannel 0: Yeah.\n\nChannel 1: It's fine.\n\nChannel 0: Perfect. Nope. Amazing. Well, before I jump into it, I should definitely let you know that our calls are recorded. And if I could just get you some some security for me, just full name, date of birth, and your email address, if we could, rather than me getting you to hide the address from.\n\nChannel 1: Well, my name's changed, so you've got it under Stevens.\n\nChannel 0: Yes.\n\nChannel 1: Lisa Marie Stevens, but my that's not my current name. So\n\nChannel 0: That's okay. And date of birth and email address?\n\nChannel 1: 12/03/1969 and lisa\n\nChannel 0: Yep.\n\nChannel 1: .stevens.1969@hotmail.com.\n\nChannel 0: Perfect. So change of name.\n\nChannel 1: Yes.\n\nChannel 0: Good news, bad\n\nChannel 1: Depends on how you wanna look at it.\n\nChannel 0: news. That's why I asked it that way because sometimes, you know, what others expect to be bad news is good and vice versa.\n\nChannel 1: Yes. Well, I did marry overseas, but I'm back in Australia so that's saying something.\n\nChannel 0: Yeah. Look. Sometimes it's better to have loved than lost and all that, you know, good stuff.\n\nChannel 1: Yes.\n\nChannel 0: How are\n\nChannel 1: Something\n\nChannel 0: you going,\n\nChannel 1: like that.\n\nChannel 0: I guess, reacclimating to Australia?\n\nChannel 1: Helen?\n\nChannel 0: How are you going reacclimating to Australia?\n\nChannel 1: Australia is fine. It's just my my dogs are in The Caribbean, and I'm a bit stressed about them. So\n\nChannel 0: Of course. Are you able to get them, like, shipped over? Or\n\nChannel 1: I'm hoping to.\n\nChannel 0: get\n\nChannel 1: I have to get\n\nChannel 0: Yeah.\n\nChannel 1: someone moved together before I can do anything\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: because it's expensive to get them back.\n\nChannel 0: To get them yeah. Absolutely. I'm so I guess to segue back, have you gone back and assumed Peak as your name?\n\nChannel 1: No. I'm still under my memory.\n\nChannel 0: Oh, you're okay. Sorry. You're still you're still on the And so what is your so what's your last name that you're, like, that you're legally known by right now?\n\nChannel 1: Chico, c h I c o t.\n\nChannel 0: C h I z o t.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Perfect. Okay. So do you like, you your, like, driver's license and everything is in that in that name?\n\nChannel 1: Yes.\n\nChannel 0: Right. Did you want to update, like, any of your funds to be in that name, or you're intending or\n\nChannel 1: No. I'm keeping the name.\n\nChannel 0: of Yep.\n\nChannel 1: So, yes, I do I've\n\nChannel 0: Bye.\n\nChannel 1: been trying to get things sorted out, but it's hard with trying to get everything. I just\n\nChannel 0: Yeah.\n\nChannel 1: can't remember what I've done and what I haven't done.\n\nChannel 0: Oh, let me help you out.\n\nChannel 1: I've\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: okay.\n\nChannel 1: updated\n\nChannel 0: I can\n\nChannel 1: my tax phone number, and everything's under that name. My driver's license,\n\nChannel 0: Cool.\n\nChannel 1: Medicare.\n\nChannel 0: Perfect. That's a good start. And they're basically the ones that we start with. So driver's license, Medicare, tax file number. Have we gone and hit the banks up yet and changed everything with the bank?\n\nChannel 1: Oh, I rang them, but I have to go into the branch with my ID, so I'll do that\n\nChannel 0: Yes.\n\nChannel 1: this week.\n\nChannel 0: No. Perfect. No. And that's basically the way that we we kinda roll things. So it's once we get our driver's license and we get that shipped, that gives us a good basis because main roads accepts marriage certificate.\n\nNo\n\nChannel 1: Yep.\n\nChannel 0: one else really does. So driver's license and the marriage certificate will be able to change everything else, which will be good. So we've got you've got the main ones done with\n\nChannel 1: Yep.\n\nChannel 0: with taking with going and doing the banks. That's great. And then I can help you out with, like, the super funds and everything like that.\n\nChannel 1: Yep.\n\nChannel 0: I did just receive an email just before, though, to flag that there had been a request on your super fund to roll funds out of your account into, obviously, somewhere else.\n\nChannel 1: Yep. So I've got my rest account, and I've got that account.\n\nChannel 0: Yep.\n\nChannel 1: And to be perfectly honest, I haven't seen I've seen more growth in my rest account even though nothing's been going into that than I have on this one, and that's the higher amount. So I thought, well, I just there's stuff everywhere. I just need to because I've just started a new job on Monday. I've got a new job Monday.\n\nChannel 0: Yeah. Oh, hi. So I guess there's a couple of different options we have with respect to moving forward. Realistically and openly, I am\n\nChannel 1: Yep.\n\nChannel 0: here to provide a service and help you out.\n\nChannel 1: Yep.\n\nChannel 0: Now you, at any point in time, can choose to take that service or not take that service.\n\nChannel 1: Yep.\n\nChannel 0: If you want to move your funds to rest, you are fully well within your right, and I am happy to well, not happy, but I'm happy to honor the request that you're making to move over that way. The other\n\nChannel 1: Yep.\n\nChannel 0: alternative is that you and I have, I guess, a broader conversation about where you're at, the massive changes that you've you've gone through, and where things fit.\n\nChannel 1: Yep.\n\nChannel 0: Because, obviously, you've gone through this whirlwind of everything. We're back in Australia. We're starting a new job. You know, we can talk about possibly saving strategies to try and build up the funds to get the jobs shipped over and just kind of you know, I can help you work through, I guess, some of the mental load that happens when we have a massive life shift.\n\nChannel 1: Yep.\n\nChannel 0: And in that, we can also look at where the investments sit. The market made a drastic change. So, you know, if you're uncomfortable with the market volatility and where it currently sits, we can definitely have a look at that and maybe take a little bit more of a conservative approach or have a look at how we've honestly invested overall to make sure that we're fitting nicely. Because you are from a from a service point of view, we would wanna review everything annually. And you're basically just lapsing your annual, I guess, meeting\n\nChannel 1: Yep. Yep.\n\nChannel 0: to be able to kind of have this broader conversation. Now,\n\nChannel 1: Yep.\n\nChannel 0: again, if you just wanna just quietly go in, you know, go into the dark type of thing and manage it yourself, I'm I'm happy for you to for you to do that. Sad to see you go, but I can understand. Sometimes talking about things is more arduous than just letting them ride.\n\nChannel 1: Thank you.\n\nChannel 0: But my job is to to, you know, help people out. And if I can't help you, then I'll tell you to go over to rest or recommend another provider as well.\n\nChannel 1: Yep.\n\nChannel 0: I can say that, you know, there hasn't been too many changes on your hub twenty four fund in a little bit. And there's been, obviously, the last twelve months, the market's been extremely volatile. There's been a lot of big changes that have happened. So\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: there's definitely things that we can do within the funds to make things a little bit better, make you know, get some investment returns really happening without being really, really aggressive. So, you know, get those returns without taking on heaps of risk.\n\nChannel 1: Yep.\n\nChannel 0: Because I do appreciate that, you know, we are coming towards our our retirement phase, and we don't wanna be taking too too much at risk. Not trying to put words in your mouth, but, you know, there are definitely options that we can look at in that realm\n\nChannel 1: Yep.\n\nChannel 0: if you would\n\nChannel 1: Yeah.\n\nChannel 0: like to.\n\nChannel 1: Yeah. Well, I'm open to discussion. It's not like I'm not open to discussion discussing it and seeing where I'm at. So I\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: just\n\nChannel 0: if you want me to have a yeah. Sorry, doll.\n\nChannel 1: yeah. I just when I did that because I had to do my tax form for work and get all of that\n\nChannel 0: Yeah.\n\nChannel 1: sorted out. So when I did that, I just thought I'll probably be easier just to have the one. So I just that that was on the ATI website, I think. I prompted that.\n\nChannel 0: Yeah. Yeah. You just pressed the button. No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Well, I can tell you now, I guess, now that I've rambled at you for a while. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: The coffee's definitely hit. The name on the request is obviously different. Your rest fund\n\nChannel 1: He's on the\n\nChannel 0: and\n\nChannel 1: Chico.\n\nChannel 0: the hub twenty four fund, yep, they differ, and\n\nChannel 1: Yep.\n\nChannel 0: hub twenty four can't marry them up to allow that payment to go through.\n\nChannel 1: Yep.\n\nChannel 0: So we do need to update your name anyway.\n\nChannel 1: Yep.\n\nChannel 0: So I'm happy to to to do it. I'll fill out the form that's required. And if you're able to send a copy of your marriage certificate through and a copy of your driver's license,\n\nChannel 1: Yep. Yeah. I didn't get\n\nChannel 0: I\n\nChannel 1: married\n\nChannel 0: can\n\nChannel 1: in\n\nChannel 0: send\n\nChannel 1: Australia,\n\nChannel 0: you the\n\nChannel 1: though.\n\nChannel 0: that's okay. That's\n\nChannel 1: I've\n\nChannel 0: that's\n\nChannel 1: got\n\nChannel 0: fine.\n\nChannel 1: a change\n\nChannel 0: Is\n\nChannel 1: of\n\nChannel 0: it\n\nChannel 1: name certificate which goes from\n\nChannel 0: perfect.\n\nChannel 1: Pete. I don't know why they did it that way, though, because it's Pete, which is my maiden name, to\n\nChannel 0: Yep. Just\n\nChannel 1: Chico because that's my my birth certificate. I provided them my birth certificate, my marriage certificate, my divorce certificate, and everything else, and they did it from Peak to Chico instead of Stevens to Chico, which has caused a bit of drama\n\nChannel 0: Yep.\n\nChannel 1: when I've been trying to change my name\n\nChannel 0: It\n\nChannel 1: because\n\nChannel 0: will.\n\nChannel 1: after then\n\nChannel 0: Yes.\n\nChannel 1: adding an extra document\n\nChannel 0: Yes. It will.\n\nChannel 1: to marry up to Steven.\n\nChannel 0: Have you have you gotten away with it with a stat debt? Like, if that statutory declaration, or have you just been providing your marriage divorce certificate?\n\nChannel 1: Well, I've provided I've just had to provide the change of name and then\n\nChannel 0: Yep.\n\nChannel 1: to marry up the Stevens and\n\nChannel 0: Take\n\nChannel 1: Peek,\n\nChannel 0: the statement.\n\nChannel 1: yeah,\n\nChannel 0: Yep.\n\nChannel 1: with my divorce certificate, I think.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: And everything else is everything else is being changed. All the important things are being changed except for\n\nChannel 0: Yeah.\n\nChannel 1: my sister. Yeah.\n\nChannel 0: That's super no. That's okay. I can give you a hand with that. One of the quickest ways to do it is a stat deck.\n\nChannel 1: Yeah.\n\nChannel 0: But the marriage certificates, if you have them on hand, they also work well. It's\n\nChannel 1: I've\n\nChannel 0: just\n\nChannel 1: got\n\nChannel 0: a matter\n\nChannel 1: all of them.\n\nChannel 0: of literally jumping through and jumping through the hoops. Don't\n\nChannel 1: Yeah.\n\nChannel 0: don't me wrong. I've been doing this for a good over over a decade,\n\nChannel 1: Yeah.\n\nChannel 0: and I have unfortunately come across a few clients that didn't have the marriage, the divorce certificates, and chasing those out were a pain. So SnapDeck was the way back then, but if you have the certificates, it makes it a lot easier.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Completely.\n\nChannel 0: I can fill out the form and get that done. I'm gonna assume that our address has changed as well\n\nChannel 1: Yep. Yes.\n\nChannel 0: because\n\nChannel 1: What\n\nChannel 0: we're obviously\n\nChannel 1: is that?\n\nChannel 0: no\n\nChannel 1: Do\n\nChannel 0: longer\n\nChannel 1: you have\n\nChannel 0: in the\n\nChannel 1: do you have Dodgers Ferry? Or you have\n\nChannel 0: I\n\nChannel 1: St.\n\nChannel 0: don't\n\nChannel 1: Lucia?\n\nChannel 0: have that listed\n\nChannel 1: You've got St.\n\nChannel 0: any\n\nChannel 1: Lucia. You've got\n\nChannel 0: yes. I\n\nChannel 1: the\n\nChannel 0: have\n\nChannel 1: l\n\nChannel 0: the ad. You didn't\n\nChannel 1: yeah.\n\nChannel 0: lose your address.\n\nChannel 1: Yeah.\n\nChannel 0: So did you did you want me to update your address so that way we're\n\nChannel 1: Yes, please.\n\nChannel 0: I can I can update it on your fund as well?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So what was your new postal living address?\n\nChannel 1: So it's Unit 434.\n\nChannel 0: Unit four.\n\nChannel 1: Oh, well, they if you put it into the system, it'll come up as 30 to 34 Anglesey Street.\n\nChannel 0: How do you spell Anglesey? Sorry.\n\nChannel 1: So A N G L E A? Oh, Angle.\n\nChannel 0: Yep.\n\nChannel 1: A N G oh god. I can't even remember how to spell it. Engel as in a n g l\n\nChannel 0: Yep.\n\nChannel 1: e s e a.\n\nChannel 0: Yep. It's okay. Perfect. It was literally just Angle C. Cool.\n\nChannel 1: Yep.\n\nChannel 0: I just wasn't sure if I was being a bit special on that. And what suburb was that? Sorry.\n\nChannel 1: South Hobart.\n\nChannel 0: Perfect. Amazing. Alright. Now that's that. And that would be 7004 is the postcode.\n\nAnd that's postal and\n\nChannel 1: Yes.\n\nChannel 0: living.\n\nChannel 1: Nailing. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: I still have yeah. Residence. Yep.\n\nChannel 0: Okay. Well, I can get that updated across everything on my side so I can get Hub 24 done. Have you already updated rest\n\nChannel 1: Yep.\n\nChannel 0: with your address? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Okay. Good. Alright. Well, what I guess I wanna do and it doesn't have to be today because I know I called you out of the blue so we can schedule a time where, I guess, you're a little bit more in the headspace, and we can sit down and talk about everything.\n\nChannel 1: Yep.\n\nChannel 0: And we can go through what your goals are, where things are sitting for you now. I can make sure all the details I have on file for you are up to date. So we can go through the fact find\n\nChannel 1: Yep.\n\nChannel 0: or data collection that we hold, and we can work out, you know, where we're at, where we wanna head to, and then I can put all the pieces together to help us get there.\n\nChannel 1: Yep.\n\nChannel 0: And if we wanna talk I guess, now's a good enough time to ask. What kind of, I guess, advice scope do you want to talk about? We can definitely touch on the super. That's that's, I I guess, a bit of a given.\n\nChannel 1: Yes.\n\nChannel 0: But is there anything else that really comes to mind that you would wanna raise and talk about based on how everything's changed recently?\n\nChannel 1: I don't know. I really don't know. The only thing I'm really concerned about at the moment is working out a way to get my dogs back.\n\nChannel 0: Yeah. Do\n\nChannel 1: That's\n\nChannel 0: you know how much it's gonna\n\nChannel 1: about\n\nChannel 0: cost to ship them?\n\nChannel 1: $12,000.\n\nChannel 0: Okay. So little bit, but not look. It's they're they're expensive. They're not crazy. I was thinking in the, you know, 20 to 25.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And I guess, like, your ex is like, there's no custody issues with getting them back. Like, it's not a custody battle or anything like that. It's just the money situation.\n\nChannel 1: It's a it's a money situation, but mind you, I took over $250,000. He's used all of that. I brought a car over there. He won't sell\n\nChannel 0: Yep.\n\nChannel 1: the car to help me get them back. He's being he's he'll send them back, but I've gotta pay for it.\n\nChannel 0: Pay for it. Of course. Of course.\n\nChannel 1: So and\n\nChannel 0: So it's not\n\nChannel 1: until\n\nChannel 0: not a very amicable split.\n\nChannel 1: no. Well, and until we actually get a divorce, he's not going to give me anything, basically.\n\nChannel 0: What if if I may ask, what assets do you like, did do you have do you have anything left over there apart from the dogs and the car you funded?\n\nChannel 1: Yeah. I've got personal things there, but, like, I I paid for well, most of that money went into our house, but the house is in his name. It's not in my name.\n\nChannel 0: Surely I mean, don't get me wrong. I'm not a lawyer in The Caribbean. But surely, that would still become a marital asset and is divisible between the two of you upon financial separation and divorce settlement.\n\nChannel 1: Yeah. I have to go to women's legal and try and find out where I stand.\n\nChannel 0: Yeah. Okay. They may direct you to someone in The Caribbean just to\n\nChannel 1: Yeah.\n\nChannel 0: give you, I guess, a bit of a head\n\nChannel 1: But they\n\nChannel 0: just\n\nChannel 1: they\n\nChannel 0: because\n\nChannel 1: just\n\nChannel 0: generally,\n\nChannel 1: did say\n\nChannel 0: like\n\nChannel 1: to me, yeah, make an appointment and speak\n\nChannel 0: yeah.\n\nChannel 1: to some women in there that actually deal with overseas divorce. Like, I don't\n\nChannel 0: Yeah.\n\nChannel 1: know what else. Bloody thinking. This is only we've only been married just over twelve months.\n\nChannel 0: Was it a\n\nChannel 1: The women\n\nChannel 0: beautiful\n\nChannel 1: over there\n\nChannel 0: whirlwind, though? Did you have fun?\n\nChannel 1: I did have fun, most of it, but he like, the way men treat women over there is so ridiculous. Like, you're not allowed to have an opinion. You're not allowed to do this. You're not allowed to do that even with the car. I could've put the car in my name just because I didn't I wasn't a citizen there.\n\nDidn't mean I couldn't put it in my\n\nChannel 0: Yeah.\n\nChannel 1: name. There's lots of people from The UK and The US that live there, But he\n\nChannel 0: Yeah.\n\nChannel 1: did he was adamant about putting it in his name. Adamant which I did. So\n\nChannel 0: Yeah.\n\nChannel 1: oh, someone else is calling me. Can I just take this? Because I'm waiting on a job. So and a different\n\nChannel 0: You're fine,\n\nChannel 1: one.\n\nChannel 0: sweetheart.\n\nChannel 1: Only be a\n\nChannel 0: Put\n\nChannel 1: second.\n\nChannel 0: me on hold. You're fine.\n\nChannel 1: Thank you. Oh, it's just a silly lady about Internet.\n\nChannel 0: I love this.\n\nChannel 1: I've got I've just I'm taking on a new job, but it's with an next employer that I used to work for. Mhmm. But\n\nChannel 0: Yeah.\n\nChannel 1: I've also got an interview on Friday, next Friday for CSR, and that's based in Hobart. The\n\nChannel 0: Yep.\n\nChannel 1: other one's based in Launceston. I really want this one in Hobart because I'm based in Hobart now. I don't wanna go back to Launceston. It's where I came from originally.\n\nChannel 0: Yeah.\n\nChannel 1: But I'm originally I was born in Hobart, but I lived in Launceston for twenty odd years,\n\nChannel 0: Yeah.\n\nChannel 1: twenty five years. And I don't wanna be in Launceston. I wanna be here. So I need a job in Hyderabad. I'm only taking that one as an interim job.\n\nChannel 0: Yeah. Because\n\nChannel 1: Is that\n\nChannel 0: it just\n\nChannel 1: bad?\n\nChannel 0: fills the gap.\n\nChannel 1: Is is that bad?\n\nChannel 0: Not at not at all. It's\n\nChannel 1: I need\n\nChannel 0: why\n\nChannel 1: the money.\n\nChannel 0: a yeah. No. Not at all. A, you have to look after yourself, and, b, there's you know? What's it called?\n\nThat period of time where they can fire you at any point.\n\nChannel 1: Yeah. Yeah. When you go through what's\n\nChannel 0: Notice\n\nChannel 1: I don't\n\nChannel 0: period.\n\nChannel 1: know if you think yeah.\n\nChannel 0: Yeah. I can't even think of the words myself.\n\nChannel 1: Yeah. Yeah. Oh, that's gonna annoy me now.\n\nChannel 0: I\n\nChannel 1: The\n\nChannel 0: I\n\nChannel 1: it's\n\nChannel 0: know.\n\nChannel 1: six months probation\n\nChannel 0: Me too.\n\nChannel 1: your probation period.\n\nChannel 0: Probation.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So\n\nChannel 0: So there's nothing wrong. You with an employee are put are allowed to put a company on probation just as much as they put you on probation. You're\n\nChannel 1: yeah.\n\nChannel 0: not happy\n\nChannel 1: Well,\n\nChannel 0: there, and and, ultimately, the travel starts. There's nothing\n\nChannel 1: look,\n\nChannel 0: wrong\n\nChannel 1: I feel\n\nChannel 0: with you\n\nChannel 1: really\n\nChannel 0: being\n\nChannel 1: bad,\n\nChannel 0: able\n\nChannel 1: though,\n\nChannel 0: to\n\nChannel 1: because\n\nChannel 0: leave.\n\nChannel 1: when I brought my house when I originally brought my own home after I divorced the first time, everyone said you'll never\n\nChannel 0: Yeah.\n\nChannel 1: get another house. You'll never get another house. And this company gave me my stepping stone to actually buy a\n\nChannel 0: Yeah.\n\nChannel 1: house on my own. And but then they sold they sold the business to different I think it was a Japanese company. But I come back to\n\nChannel 0: Yes.\n\nChannel 1: Australia, and they're the first ones that have offered me a job. So\n\nChannel 0: Fair\n\nChannel 1: I feel\n\nChannel 0: enough.\n\nChannel 1: a bit guilty about doing it, but I'm not. Like, I think I need to have a job right now, but I need something that I wanna stay\n\nChannel 0: No.\n\nChannel 1: in long term till I retire.\n\nChannel 0: Absolutely. There's nothing wrong with that at all, hon. You're allowed to have an interim job just to get you on your feet and go from there.\n\nChannel 1: Yep.\n\nChannel 0: Can I ask well, I guess, while we're talking about it, how much is the income on them?\n\nChannel 1: Pardon?\n\nChannel 0: How much is\n\nChannel 1: How much\n\nChannel 0: are they\n\nChannel 1: is\n\nChannel 0: offering\n\nChannel 1: the income?\n\nChannel 0: you an income?\n\nChannel 1: So 70\n\nChannel 0: Yeah.\n\nChannel 1: 5 with the company vehicle, laptop, and phone, and then the super and commission as well.\n\nChannel 0: Perfect.\n\nChannel 1: So at least I won't have a vehicle to worry about. I don't have to pay fuel and anything like that, so that's good.\n\nChannel 0: Yeah. So it's not too bad. And then you're waiting to hear from CSR.\n\nChannel 1: Yeah. Yeah. CSR is,\n\nChannel 0: Oh,\n\nChannel 1: like,\n\nChannel 0: in interview next Friday.\n\nChannel 1: yeah, $90, which is much better, plus the same car, everything else.\n\nChannel 0: Oh, perfect. What are the jobs in, if I could ask? Like, is it it's,\n\nChannel 1: Business\n\nChannel 0: like,\n\nChannel 1: development.\n\nChannel 0: sales sales\n\nChannel 1: Yes.\n\nChannel 0: rep? Business\n\nChannel 1: Business\n\nChannel 0: develop? Oh,\n\nChannel 1: development.\n\nChannel 0: yeah. Like a BDM.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Okay. See Hobart's a little bit better because you don't have to travel to and from. Not that you're,\n\nChannel 1: Yeah.\n\nChannel 0: like, doing the Not that you have to pay for the fuel, but irrespective, your time is worth money as well when traveling from Hobart to Launceston, Spain.\n\nChannel 1: Yeah. Well, I'm gonna stay with the girlfriend, but I'm sort of trying to work at where I can leave here Monday morning at six in the morning because it's two and a half hours\n\nChannel 0: Yeah.\n\nChannel 1: to drive the lawn system.\n\nChannel 0: Yes.\n\nChannel 1: I thought I'll leave here Monday morning, and then I'll come back when Thursday night. So if I I'm only staying\n\nChannel 0: Yep.\n\nChannel 1: away Monday, Tuesday, Wednesday, and I'll finish work on Thursday afternoon about four ish and head back here and just do all my admin stuff on a Friday in Highmark.\n\nChannel 0: Yeah.\n\nChannel 1: So I get four days at home because I've got a little unit here, And I don't I don't wanna give this up because I was actually very lucky, to be honest, because when I came back with all the drama with my ex husband, I went into Housing Connect because I I was staying with my daughter on a mattress on the floor. And they have actually given me this transitional unit. So the rent's been good because I've been on JobSeeker since I've been back.\n\nChannel 0: Yeah.\n\nChannel 1: And I said if I get a job, will you kick me out? And I said no. But when you get into one of those places, it puts you on the top of the list for housing. And because I don't have a house now, it's gonna\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: be very\n\nChannel 0: I\n\nChannel 1: difficult\n\nChannel 0: could see.\n\nChannel 1: for me to find something at my age too. Like, I'm, like, 56, 10, and 57. I'm actually surprised I got a job.\n\nChannel 0: Don't be.\n\nChannel 1: You\n\nChannel 0: They\n\nChannel 1: know,\n\nChannel 0: value,\n\nChannel 1: I'm getting\n\nChannel 0: obviously,\n\nChannel 1: older.\n\nChannel 0: your knowledge and skills. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: But when you have that knowledge and skills, it works.\n\nChannel 1: Yeah. I don't look my age either, so that's a bonus. Most people think I'm in my forties. Most people think I'm in my forties, but I'm not. I'm closer to 60 these days than I am.\n\nChannel 0: Get it, girl.\n\nChannel 1: 50.\n\nChannel 0: That's okay. Alright. Okay. So we've got a lot of big things happening, a lot of things moving.\n\nChannel 1: Yep.\n\nChannel 0: Let's let's tee up a time when would work for you, like next week, week after. If you wanna wait until after you hear hear about the job, we can touch base then. Or\n\nChannel 1: Well, I could do it next week, but it'll probably have to be after four.\n\nChannel 0: That's okay, hon. Absolutely. Let me bring up my calendar. Where is my calendar? That's an excellent question.\n\nWhere's this issue? There it is. Next week. Alright. So that is the week of the twenty fifth.\n\nChannel 1: Yeah. Not on a Friday,\n\nChannel 0: I can\n\nChannel 1: though.\n\nChannel 0: no. That's okay. My brain's pretty dead by a Friday anyway. So we could do any day, really. Mondays are pretty much the out, so let's go Tuesday, Wednesday, Thursday.\n\nWhen do you wanna have a\n\nChannel 1: Yeah.\n\nChannel 0: chat?\n\nChannel 1: Do it Thursday because I'm starting the job on Monday, so by Thursday,\n\nChannel 0: Alright. Perfect. So I'm gonna go first up in\n\nChannel 1: I\n\nChannel 0: the morning when we're fresh. We have a coffee on our lap, and we're ready to go.\n\nChannel 1: reckon. Well, the boss will be with me probably until Thursday, I reckon. So it might I might need to do it afternoon.\n\nChannel 0: Oh, sorry. You did say I'm so sorry. Yes. Yes. Yes.\n\nAfternoon.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. After four. Sorry about\n\nChannel 1: Yeah.\n\nChannel 0: that, doll.\n\nChannel 1: Will you still be at work?\n\nChannel 0: Okay. Yes. Yeah. No. That's absolutely\n\nChannel 1: Well,\n\nChannel 0: fine.\n\nChannel 1: you can have a you can have a\n\nChannel 0: No.\n\nChannel 1: coffee while you're talking to me.\n\nChannel 0: Absolutely. This guy lives on coffee.\n\nChannel 1: Me\n\nChannel 0: Alright.\n\nChannel 1: too.\n\nChannel 0: So and so the one thing I would like you to do if you're able to, I can send you an email. And if you are able to get a report on your rest super fund,\n\nChannel 1: Yep. Yep.\n\nChannel 0: I don't have access to it at the moment. The authority we used to have on file lapses regularly,\n\nChannel 1: Yep.\n\nChannel 0: and I wanna be able to have a look at that, I guess, prior to us having a chat. So that way, I\n\nChannel 1: What\n\nChannel 0: can look\n\nChannel 1: do\n\nChannel 0: at both\n\nChannel 1: what\n\nChannel 0: the funds\n\nChannel 1: do you\n\nChannel 0: and\n\nChannel 1: actually\n\nChannel 0: where they're sitting\n\nChannel 1: need?\n\nChannel 0: and just a like, an annual statement report. You should be able to generate one from the platform,\n\nChannel 1: I'm on I mean,\n\nChannel 0: like the\n\nChannel 1: that\n\nChannel 0: login.\n\nChannel 1: I mean, that's now.\n\nChannel 0: Look at\n\nChannel 1: Let me have a look.\n\nChannel 0: you\n\nChannel 1: Accounts,\n\nChannel 0: there.\n\nChannel 1: investments, insurance, beneficiary statements, and communications. Is it in there?\n\nChannel 0: Yeah. It should be in there.\n\nChannel 1: So I've got no insurance coverage now. That's actually stopped, but it it will trigger that back, I think, once I start.\n\nChannel 0: Working again. Yeah.\n\nChannel 1: The twenty four twenty five annual lenders meeting notice? No.\n\nChannel 0: No. That that's members' meeting.\n\nChannel 1: I can't see anything there. Insurance coverage annual review.\n\nChannel 0: The other option, I guess, if you are able to just take a screenshot of the, like,\n\nChannel 1: Investments.\n\nChannel 0: transactions page and the investments page and the balance,\n\nChannel 1: Yeah. I can tell you\n\nChannel 0: that\n\nChannel 1: the\n\nChannel 0: gives\n\nChannel 1: balance\n\nChannel 0: me\n\nChannel 1: now\n\nChannel 0: a lot of\n\nChannel 1: if\n\nChannel 0: everything.\n\nChannel 1: you like.\n\nChannel 0: Yeah. Go\n\nChannel 1: That's\n\nChannel 0: for it.\n\nChannel 1: 25,200\n\nChannel 0: Yep.\n\nChannel 1: and $83.83.\n\nChannel 0: Perfect. Oh, well, let's just do it this way. What are the investments?\n\nChannel 1: Yep. High growth. It just says high growth for future contributions, a hundred percent ten year return. Let's have a look. I wanna see if it gives me anything else.\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: That should be it. That'll be the that'll be just the ref Thai growth asset. That's fine. And the last employer contribution, I'm assuming, was well over twelve months ago.\n\nChannel 1: It would have been, yeah, just over twelve months ago. I think the last one was\n\nChannel 0: Yeah.\n\nChannel 1: January. Hold on. I'll tell you.\n\nChannel 0: Cool. That that's absolutely okay.\n\nChannel 1: Oh, would have been January 2025. Yeah. Actually, the last one was the 02/20/2025.\n\nChannel 0: Perfect. Okay. That pretty much covers everything else. No insurance lapse because of the no contributions, investment. Amazing.\n\nEverything else, I'll have a statement that'll be a little bit older that I can have a look at some of, like, the specific dates when the account was set up and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: Just back back end information that's generally a bit hard for you to access through the portal anyway. That gives me everything on that front. And then what I will do do you live and die by your calendar?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Do? Cool. So what I'm gonna do is I'm gonna invite you to the meeting so that way it's in your calendar, and neither of us can forget.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: That way it pops up, and it's there for you. Okay?\n\nChannel 1: Awesome.\n\nChannel 0: There we go. Now during that meeting, do you wanna talk about cash flow and budgeting, or do you wanna wait a little bit until we get the job and we know what our income's gonna be and we can kinda go from there?\n\nChannel 1: Well, I've got this job. I just don't know about the next\n\nChannel 0: This\n\nChannel 1: one.\n\nChannel 0: is true.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: I've got\n\nChannel 0: absolutely\n\nChannel 1: I've got\n\nChannel 0: okay.\n\nChannel 1: this job with Sebigas, and I'll have to stay with that anyway until I secure another one.\n\nChannel 0: Yeah. No. That's okay. Alright. Well, we can do you want me to send you a bit of a budget so you can kind of start playing around with it?\n\nI mean, sometimes a lot of budgeting discussion is just a friendly ear to lean on\n\nChannel 1: Yep.\n\nChannel 0: while you work out where things are at. I can send you a bit of a budget tool that'll let you kind of play with what you're\n\nChannel 1: Yep.\n\nChannel 0: earning and go from there.\n\nChannel 1: Yep. That'd be good.\n\nChannel 0: Yeah. Okay. I'll email that to you. And then my other question, did you wanna meet virtually, like, a face like, through Google or Teams, or are you happy to do a phone call?\n\nChannel 1: Zero. Doesn't matter me. Whatever you feel more comfortable with.\n\nChannel 0: I I don't mind. I don't mind. It's just more of a on a Thursday afternoon, if you're gonna be in transit, we obviously can't Google Meet. We can do do\n\nChannel 1: Every\n\nChannel 0: a phone\n\nChannel 1: time\n\nChannel 0: call,\n\nChannel 1: would\n\nChannel 0: but\n\nChannel 1: be\n\nChannel 0: it's\n\nChannel 1: better.\n\nChannel 0: just it's\n\nChannel 1: Yeah.\n\nChannel 0: your preference. Perfect. That's okay. Just wanted to double check. Alright.\n\nI've sent that off to you. So you'll have that sitting in your calendar so that way we're able to it's able to remind you. And I'll send you an email now with that budgeting or cash flow tool. Okay?\n\nChannel 1: Yep. Awesome. Thank you.\n\nChannel 0: That's okay, and we'll speak next Thursday.\n\nChannel 1: No worries. Thanks for that.\n\nChannel 0: That's okay. We'll speak then.\n\nChannel 1: Have a good have a good afternoon. You're the same.\n\nChannel 0: Yeah. You too, Lisa.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.030085448175668716},{"text":"Lisa speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.027397247031331062}],"sentiment":"neutral","sentiment_score":0.028293314079443615,"channel":1,"num_words":3,"start":0.48,"end":1.78},{"sentences":[{"text":"Hi.","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.12994064390659332},{"text":"Larissa from OP Financial.","start":4.3199997,"end":5.92,"sentiment":"neutral","sentiment_score":0.16465811431407928},{"text":"How are you going?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.18816260993480682}],"sentiment":"neutral","sentiment_score":0.17124706010023752,"channel":0,"num_words":9,"start":2.6399999,"end":6.74},{"sentences":[{"text":"Good.","start":6.8799996,"end":7.2,"sentiment":"positive","sentiment_score":0.5369178056716919},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5525936335325241},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"neutral","sentiment_score":0.3023521403471629}],"sentiment":"positive","sentiment_score":0.42486024896303815,"channel":1,"num_words":6,"start":6.8799996,"end":8.34},{"sentences":[{"text":"Good.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.44825202226638794},{"text":"Thank you.","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.5221434831619263},{"text":"Sorry to call you out of the blue.","start":11.12,"end":12.48,"sentiment":"neutral","sentiment_score":0.042222080286592245},{"text":"I was just giving you a call.","start":12.48,"end":14.34,"sentiment":"neutral","sentiment_score":0.01962600089609623},{"text":"Caden, my administrate administrator, had just passed on your file to me.","start":15.474999,"end":21.814999,"sentiment":"neutral","sentiment_score":0.01888290699571371}],"sentiment":"neutral","sentiment_score":0.07314308403680722,"channel":0,"num_words":30,"start":9.12,"end":21.814999},{"sentences":[{"text":"So I'm the head of advice at Berkeley Financial, and he had asked me to have a look over things because previously, you had lived overseas, and and he wanted me to reach out because as I understand, he moved back to Australia.","start":21.955,"end":37.43,"sentiment":"neutral","sentiment_score":-0.00831347948676625}],"sentiment":"neutral","sentiment_score":-0.00831347948676625,"channel":0,"num_words":43,"start":21.955,"end":37.43},{"sentences":[{"text":"Yes.","start":38.129997,"end":38.629997,"sentiment":"neutral","sentiment_score":0.03901709243655205}],"sentiment":"neutral","sentiment_score":0.03901709243655205,"channel":1,"num_words":1,"start":38.129997,"end":38.629997},{"sentences":[{"text":"Yeah.","start":39.25,"end":39.75,"sentiment":"neutral","sentiment_score":0.03809918090701103},{"text":"And I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different.","start":40.05,"end":48.045002,"sentiment":"neutral","sentiment_score":0.03384043342403827},{"text":"If you had some time to chat now or I could give you a 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I've got my rest account, and I've got that account.","start":311.95,"end":315.175,"sentiment":"neutral","sentiment_score":0.19181871888312427}],"sentiment":"neutral","sentiment_score":0.18394893718262514,"channel":1,"num_words":12,"start":311.47,"end":315.175},{"sentences":[{"text":"Yep.","start":315.095,"end":315.595,"sentiment":"neutral","sentiment_score":0.12340130656957626}],"sentiment":"neutral","sentiment_score":0.12340130656957626,"channel":0,"num_words":1,"start":315.095,"end":315.595},{"sentences":[{"text":"And to be perfectly honest, I haven't seen I've seen more growth in my rest account even though nothing's been going into that than I have on this one, and that's the higher amount.","start":316.835,"end":328.195,"sentiment":"neutral","sentiment_score":0.04432776153964155},{"text":"So I thought, well, I just there's stuff everywhere.","start":328.195,"end":331.97,"sentiment":"neutral","sentiment_score":-0.0818543392750952},{"text":"I just need to because I've just started a new job on Monday.","start":332.11,"end":337.38998,"sentiment":"neutral","sentiment_score":-0.04930280492855953},{"text":"I've got a new job Monday.","start":337.38998,"end":339.41,"sentiment":"neutral","sentiment_score":0.01660940609872341}],"sentiment":"neutral","sentiment_score":0.003696367925693912,"channel":1,"num_words":62,"start":316.835,"end":339.41},{"sentences":[{"text":"Yeah.","start":341.365,"end":341.525,"sentiment":"neutral","sentiment_score":0.055536918342113495},{"text":"Oh, hi.","start":341.525,"end":342.185,"sentiment":"neutral","sentiment_score":0.08225884288549423},{"text":"So I guess there's a couple of different options we have with respect to moving forward.","start":342.485,"end":348.10498,"sentiment":"neutral","sentiment_score":0.08870854554697871},{"text":"Realistically and openly, I 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out.","start":352.11002,"end":354.53,"sentiment":"neutral","sentiment_score":0.29083119001653457}],"sentiment":"neutral","sentiment_score":0.29083119001653457,"channel":0,"num_words":9,"start":352.11002,"end":354.53},{"sentences":[{"text":"Yep.","start":355.095,"end":355.595,"sentiment":"neutral","sentiment_score":0.04762571305036545}],"sentiment":"neutral","sentiment_score":0.04762571305036545,"channel":1,"num_words":1,"start":355.095,"end":355.595},{"sentences":[{"text":"Now you, at any point in time, can choose to take that service or not take that service.","start":355.55,"end":361.65,"sentiment":"neutral","sentiment_score":0.021509007550776005}],"sentiment":"neutral","sentiment_score":0.021509007550776005,"channel":0,"num_words":18,"start":355.55,"end":361.65},{"sentences":[{"text":"Yep.","start":361.94,"end":362.44,"sentiment":"neutral","sentiment_score":0.1242053210735321}],"sentiment":"neutral","sentiment_score":0.1242053210735321,"channel":1,"num_words":1,"start":361.94,"end":362.44},{"sentences":[{"text":"If you want to move your funds to rest, you are fully well within your right, and I am happy to well, not happy, but I'm happy to honor the request that you're making to move over that way.","start":362.03,"end":373.75497,"sentiment":"neutral","sentiment_score":0.24742847356276634},{"text":"The other","start":373.895,"end":374.29498,"sentiment":"neutral","sentiment_score":0.017396381124854088}],"sentiment":"neutral","sentiment_score":0.23620739588286818,"channel":0,"num_words":41,"start":362.03,"end":374.29498},{"sentences":[{"text":"Yep.","start":374.165,"end":374.665,"sentiment":"neutral","sentiment_score":0.013027137145400047}],"sentiment":"neutral","sentiment_score":0.013027137145400047,"channel":1,"num_words":1,"start":374.165,"end":374.665},{"sentences":[{"text":"alternative is that you and I have, I guess, a broader conversation about where you're at, the massive changes that you've you've gone through, and where things fit.","start":374.29498,"end":383.84,"sentiment":"neutral","sentiment_score":0.02653495455160737}],"sentiment":"neutral","sentiment_score":0.02653495455160737,"channel":0,"num_words":28,"start":374.29498,"end":383.84},{"sentences":[{"text":"Yep.","start":384.26,"end":384.76,"sentiment":"neutral","sentiment_score":0.02859476208686829}],"sentiment":"neutral","sentiment_score":0.02859476208686829,"channel":1,"num_words":1,"start":384.26,"end":384.76},{"sentences":[{"text":"Because, obviously, you've gone through this whirlwind of everything.","start":384.7,"end":388.16,"sentiment":"neutral","sentiment_score":-0.07687781378626823},{"text":"We're back in Australia.","start":388.7,"end":389.5,"sentiment":"neutral","sentiment_score":0.020008104387670755},{"text":"We're starting a new job.","start":389.5,"end":390.64,"sentiment":"neutral","sentiment_score":0.023670655116438864},{"text":"You know, we can talk about possibly saving strategies to try and build up the funds to get the jobs shipped over and just kind of you know, I can help you work through, I guess, some of the mental load that happens when we have a massive life shift.","start":391.1,"end":406.095,"sentiment":"neutral","sentiment_score":0.22949036851525306}],"sentiment":"neutral","sentiment_score":0.16148534992381053,"channel":0,"num_words":68,"start":384.7,"end":406.095},{"sentences":[{"text":"Yep.","start":406.475,"end":406.975,"sentiment":"neutral","sentiment_score":0.1874708831310272}],"sentiment":"neutral","sentiment_score":0.1874708831310272,"channel":1,"num_words":1,"start":406.475,"end":406.975},{"sentences":[{"text":"And in that, we can also look at where the investments sit.","start":407.46,"end":410.66,"sentiment":"neutral","sentiment_score":0.12231534533202648},{"text":"The market made a drastic change.","start":410.66,"end":412.68,"sentiment":"neutral","sentiment_score":0.04595450311899185},{"text":"So, you know, if you're uncomfortable with the market volatility and where it currently sits, we can definitely have a look at that and maybe take a little bit more of a conservative approach or have a look at how we've honestly invested overall to make sure that we're fitting nicely.","start":413.46,"end":428.915,"sentiment":"neutral","sentiment_score":0.11946232149413988},{"text":"Because you are from a from a service point of view, we would wanna review everything annually.","start":429.375,"end":436.31,"sentiment":"neutral","sentiment_score":0.20765435958609862},{"text":"And you're basically just lapsing your annual, I guess, meeting","start":436.31,"end":440.25,"sentiment":"neutral","sentiment_score":0.12045639902353286}],"sentiment":"neutral","sentiment_score":0.13094560064685842,"channel":0,"num_words":96,"start":407.46,"end":440.25},{"sentences":[{"text":"Yep.","start":439.79498,"end":440.29498,"sentiment":"neutral","sentiment_score":0.12256844341754912},{"text":"Yep.","start":440.595,"end":440.97,"sentiment":"neutral","sentiment_score":0.20795802772045135}],"sentiment":"neutral","sentiment_score":0.16526323556900024,"channel":1,"num_words":2,"start":439.79498,"end":440.97},{"sentences":[{"text":"to be able to kind of have this broader conversation.","start":440.79,"end":443.13,"sentiment":"neutral","sentiment_score":0.3024584144353867},{"text":"Now,","start":443.66998,"end":443.99,"sentiment":"neutral","sentiment_score":0.23304468393325808}],"sentiment":"neutral","sentiment_score":0.2961480752988295,"channel":0,"num_words":11,"start":440.79,"end":443.99},{"sentences":[{"text":"Yep.","start":443.77,"end":444.27,"sentiment":"neutral","sentiment_score":0.20538067817687988}],"sentiment":"neutral","sentiment_score":0.20538067817687988,"channel":1,"num_words":1,"start":443.77,"end":444.27},{"sentences":[{"text":"again, if you just wanna just quietly go in, you know, go into the dark type of thing and manage it yourself, I'm I'm happy for you to for you to do that.","start":443.99,"end":455.16498,"sentiment":"neutral","sentiment_score":0.2251797697760842},{"text":"Sad to see you go, but I can understand.","start":455.16498,"end":458.305,"sentiment":"neutral","sentiment_score":-0.29981766806708443},{"text":"Sometimes talking about things is more arduous than just letting them ride.","start":458.44498,"end":463.15,"sentiment":"negative","sentiment_score":-0.37344878539443016}],"sentiment":"neutral","sentiment_score":0.004651628986552909,"channel":0,"num_words":54,"start":443.99,"end":463.15},{"sentences":[{"text":"Thank you.","start":463.595,"end":464.33502,"sentiment":"neutral","sentiment_score":0.15268325060606003}],"sentiment":"neutral","sentiment_score":0.15268325060606003,"channel":1,"num_words":2,"start":463.595,"end":464.33502},{"sentences":[{"text":"But my job is to to, you know, help people out.","start":465.53,"end":468.09,"sentiment":"neutral","sentiment_score":0.12464733760465276},{"text":"And if I can't help you, then I'll tell you to go over to rest or recommend another provider as 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aggressive.","start":490.50998,"end":502.44998,"sentiment":"positive","sentiment_score":0.3809097039122735},{"text":"So, you know, get those returns without taking on heaps of risk.","start":503.085,"end":506.385,"sentiment":"neutral","sentiment_score":0.2502554686119159}],"sentiment":"positive","sentiment_score":0.3444480568517086,"channel":0,"num_words":43,"start":490.50998,"end":506.385},{"sentences":[{"text":"Yep.","start":506.65002,"end":507.15002,"sentiment":"neutral","sentiment_score":-0.011382157914340496}],"sentiment":"neutral","sentiment_score":-0.011382157914340496,"channel":1,"num_words":1,"start":506.65002,"end":507.15002},{"sentences":[{"text":"Because I do appreciate that, you know, we are coming towards our our retirement phase, and we don't wanna be taking too too much at risk.","start":506.765,"end":514.225,"sentiment":"neutral","sentiment_score":0.31061299317158186},{"text":"Not trying to put words in your mouth, but, you know, there are definitely options that we can look at in that realm","start":514.525,"end":520.07,"sentiment":"neutral","sentiment_score":0.23793374066767486}],"sentiment":"neutral","sentiment_score":0.2764982419962786,"channel":0,"num_words":49,"start":506.765,"end":520.07},{"sentences":[{"text":"Yep.","start":519.635,"end":520.135,"sentiment":"neutral","sentiment_score":0.15305346250534058}],"sentiment":"neutral","sentiment_score":0.15305346250534058,"channel":1,"num_words":1,"start":519.635,"end":520.135},{"sentences":[{"text":"if you would","start":520.13,"end":520.69,"sentiment":"neutral","sentiment_score":0.07896466304858525}],"sentiment":"neutral","sentiment_score":0.07896466304858525,"channel":0,"num_words":3,"start":520.13,"end":520.69},{"sentences":[{"text":"Yeah.","start":520.515,"end":521.015,"sentiment":"neutral","sentiment_score":0.08395498245954514}],"sentiment":"neutral","sentiment_score":0.08395498245954514,"channel":1,"num_words":1,"start":520.515,"end":521.015},{"sentences":[{"text":"like 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you want me to have a yeah.","start":532.30505,"end":533.825,"sentiment":"neutral","sentiment_score":0.05464908992871642},{"text":"Sorry, doll.","start":533.825,"end":534.645,"sentiment":"neutral","sentiment_score":0.0024499259889125824}],"sentiment":"neutral","sentiment_score":0.04420925714075565,"channel":0,"num_words":10,"start":532.30505,"end":534.645},{"sentences":[{"text":"yeah.","start":535.41,"end":535.73,"sentiment":"neutral","sentiment_score":0.016924552619457245},{"text":"I just when I did that because I had to do my tax form for work and get all of 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She updates her driver's license and Medicare, offers to help with the super funds and other options for moving funds, emphasizes managing the situation, and recommends a service or professional to help. The speakers discuss investment strategies, managing the situation, and updating the speaker's name and marriage certificate. They also discuss updating the address and mailing address for a client, scheduling a meeting, and updating the speaker's income and expenses. The speakers express concern about custody issues and the client's desire to stay in their current town. They also discuss retirement plans, income, and expenses, and schedule a meeting for next week."},"intents":{"segments":[{"text":"And I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different. If you had some time to chat now or I could give you a callback? 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Yep.","start_word":2277,"end_word":2321,"intents":[{"intent":"Gather data collection","confidence_score":0.0030090758}]},{"text":"What kind of, I guess, advice scope do you want to talk about?","start_word":2336,"end_word":2348,"intents":[{"intent":"Discuss advice scope","confidence_score":0.6076937}]},{"text":"But is there anything else that really comes to mind that you would wanna raise and talk about based on how everything's changed recently?","start_word":2367,"end_word":2390,"intents":[{"intent":"Ask about financial status","confidence_score":0.019973751}]},{"text":"Do That's you know how much it's gonna about cost to ship them?","start_word":2419,"end_word":2431,"intents":[{"intent":"Ask for advice on shipping cost","confidence_score":0.00001965416},{"intent":"Discuss cost of return","confidence_score":0.00047729586},{"intent":"Ask about cost of returning dogs","confidence_score":0.004885033}]},{"text":"What if if I may ask, what assets do you like, did do you have do you have anything left over there apart from the dogs and the car you funded? Yeah.","start_word":2574,"end_word":2605,"intents":[{"intent":"Ask about personal assets","confidence_score":0.017216183}]},{"text":"Can I ask well, I guess, while we're talking about it, how much is the income on them?","start_word":3368,"end_word":3385,"intents":[{"intent":"Analyze income sources","confidence_score":0.000012937883}]},{"text":"Let's let's tee up a time when would work for you, like next week, week after. If you wanna wait until after you hear hear about the job, we can touch base then. Or Well, I could do it next week, but it'll probably have to be after four.","start_word":3909,"end_word":3957,"intents":[{"intent":"Schedule meeting","confidence_score":0.14436586}]},{"text":"When do you wanna have a Yeah. chat?","start_word":4032,"end_word":4039,"intents":[{"intent":"Schedule conference call","confidence_score":0.0035737182}]},{"text":"Insurance coverage annual review. The other option, I guess, if you are able to just take a screenshot of the, like, Investments. transactions page and the investments page and the balance, Yeah.","start_word":4361,"end_word":4392,"intents":[{"intent":"Evaluate coverage options","confidence_score":0.0048086145}]},{"text":"So what I'm gonna do is I'm gonna invite you to the meeting so that way it's in your calendar, and neither of us can forget. Mhmm.","start_word":4633,"end_word":4659,"intents":[{"intent":"Invite to meeting","confidence_score":0.9467695}]},{"text":"Now during that meeting, do you wanna talk about cash flow and budgeting, or do you wanna wait a little bit until we get the job and we know what our income's gonna be and we can kinda go from there?","start_word":4676,"end_word":4716,"intents":[{"intent":"Discuss cash flow and budgeting","confidence_score":0.82082576}]},{"text":"Well, we can do you want me to send you a bit of a budget so you can kind of start playing around with it? I mean, sometimes a lot of budgeting discussion is just a friendly ear to lean on Yep. while you work out where things are at. I can send you a bit of a budget tool that'll let you kind of play with what you're Yep. earning and go from there. Yep.","start_word":4763,"end_word":4838,"intents":[{"intent":"Send budget tool","confidence_score":0.66870236}]},{"text":"And then my other question, did you wanna meet virtually, like, a face like, through Google or Teams, or are you happy to do a phone call? Zero.","start_word":4849,"end_word":4876,"intents":[{"intent":"Schedule meeting remotely","confidence_score":0.00082831964}]}]},"sentiments":{"segments":[{"text":"Hello. Lisa speaking. Hi. Larissa from OP Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.1319616287946701},{"text":"Good. Thank you.","start_word":12,"end_word":14,"sentiment":"positive","sentiment_score":0.5349709391593933},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.31492316722869873},{"text":"Good. Thank you.","start_word":18,"end_word":20,"sentiment":"positive","sentiment_score":0.4814372956752777},{"text":"Sorry to call you out of the blue. I was just giving you a call. Caden, my administrate administrator, had just passed on your file to me. So I'm the head of advice at Berkeley Financial, and he had asked me to have a look over things because previously, you had lived overseas, and and he wanted me to reach out because as I understand, he moved back to Australia. Yes. Yeah. And I guess I just wanted to touch base with you and have a bit of a chat now that, I guess, your circumstances have fully changed and things are different. If you had some time to chat now or I could give you a callback? Yep. No. No. Yeah. It's fine. Perfect. Nope.","start_word":21,"end_word":146,"sentiment":"neutral","sentiment_score":0.02507035806775093},{"text":"Amazing.","start_word":147,"end_word":147,"sentiment":"positive","sentiment_score":0.3601209819316864},{"text":"Well, before I jump into it, I should definitely let you know that our calls are recorded. And if I could just get you some some security for me, just full name, date of birth, and your email address, if we could, rather than me getting you to hide the address from. Well, my name's changed, so you've got it under Stevens. Yes. Lisa Marie Stevens, but my that's not my current name. So That's okay. And date of birth and email address? 12/03/1969 and lisa Yep. .stevens.1969@hotmail.com. Perfect. So change of name. Yes. Good news, bad Depends on how you wanna look at it. news. That's why I asked it that way because sometimes, you know, what others expect to be bad news is good and vice versa. Yes. Well, I did marry overseas, but I'm back in Australia so that's saying something. Yeah. Look. Sometimes it's better to have loved than lost and all that, you know, good stuff. Yes. How are Something you going, like that. I guess, reacclimating to Australia? Helen? How are you going reacclimating to Australia? Australia is fine. It's just my my dogs are in The Caribbean, and I'm a bit stressed about them. So Of course. Are you able to get them, like, shipped over? Or I'm hoping to. get I have to get Yeah. someone moved together before I can do anything Yeah. Absolutely.","start_word":148,"end_word":380,"sentiment":"neutral","sentiment_score":0.018555560305139027},{"text":"because it's expensive to get them back.","start_word":381,"end_word":387,"sentiment":"negative","sentiment_score":-0.37713733315467834},{"text":"To get them yeah. Absolutely. I'm so I guess to segue back, have you gone back and assumed Peak as your name? No. I'm still under my memory. Oh, you're okay. Sorry. You're still you're still on the And so what is your so what's your last name that you're, like, that you're legally known by right now? Chico, c h I c o t. C h I z o t. Yes. Okay.","start_word":388,"end_word":460,"sentiment":"neutral","sentiment_score":-0.0114679504185915},{"text":"Perfect.","start_word":461,"end_word":461,"sentiment":"positive","sentiment_score":0.34435319900512695},{"text":"Okay. So do you like, you your, like, driver's license and everything is in that in that name? Yes. Right. Did you want to update, like, any of your funds to be in that name, or you're intending or No. I'm keeping the name. of Yep. So, yes, I do I've Bye. been trying to get things sorted out, but it's hard with trying to get everything. I just Yeah. can't remember what I've done and what I haven't done. Oh, let me help you out. I've That's just okay. updated I can my tax phone number, and everything's under that name. My driver's license, Cool. Medicare.","start_word":462,"end_word":568,"sentiment":"neutral","sentiment_score":-0.01885412074625492},{"text":"Perfect. That's a good start.","start_word":569,"end_word":573,"sentiment":"positive","sentiment_score":0.6565895676612854},{"text":"And they're basically the ones that we start with. So driver's license, Medicare, tax file number. Have we gone and hit the banks up yet and changed everything with the bank? Oh, I rang them, but I have to go into the branch with my ID, so I'll do that Yes. this week. No. Perfect. No. And that's basically the way that we we kinda roll things. So it's once we get our driver's license and we get that shipped, that gives us a good basis because main roads accepts marriage certificate. No Yep. one else really does.","start_word":574,"end_word":671,"sentiment":"neutral","sentiment_score":0.10087961543883596},{"text":"So driver's license and the marriage certificate will be able to change everything else, which will be good. So we've got you've got the main ones done with Yep.","start_word":672,"end_word":700,"sentiment":"positive","sentiment_score":0.4318033158779144},{"text":"with taking with going and doing the banks.","start_word":701,"end_word":708,"sentiment":"neutral","sentiment_score":0.2960779070854187},{"text":"That's great. And then I can help you out with, like, the super funds and everything like that.","start_word":709,"end_word":726,"sentiment":"positive","sentiment_score":0.5053665637969971},{"text":"Yep. I did just receive an email just before, though, to flag that there had been a request on your super fund to roll funds out of your account into, obviously, somewhere else. Yep. So I've got my rest account, and I've got that account. Yep. And to be perfectly honest, I haven't seen I've seen more growth in my rest account even though nothing's been going into that than I have on this one, and that's the higher amount. So I thought, well, I just there's stuff everywhere. I just need to because I've just started a new job on Monday. I've got a new job Monday. Yeah. Oh, hi. So I guess there's a couple of different options we have with respect to moving forward. Realistically and openly, I am Yep. here to provide a service and help you out. Yep. Now you, at any point in time, can choose to take that service or not take that service. Yep. If you want to move your funds to rest, you are fully well within your right, and I am happy to well, not happy, but I'm happy to honor the request that you're making to move over that way. The other Yep. alternative is that you and I have, I guess, a broader conversation about where you're at, the massive changes that you've you've gone through, and where things fit. Yep. Because, obviously, you've gone through this whirlwind of everything. We're back in Australia. We're starting a new job. You know, we can talk about possibly saving strategies to try and build up the funds to get the jobs shipped over and just kind of you know, I can help you work through, I guess, some of the mental load that happens when we have a massive life shift. Yep. And in that, we can also look at where the investments sit. The market made a drastic change. So, you know, if you're uncomfortable with the market volatility and where it currently sits, we can definitely have a look at that and maybe take a little bit more of a conservative approach or have a look at how we've honestly invested overall to make sure that we're fitting nicely. Because you are from a from a service point of view, we would wanna review everything annually. And you're basically just lapsing your annual, I guess, meeting Yep. Yep. to be able to kind of have this broader conversation. Now, Yep. again, if you just wanna just quietly go in, you know, go into the dark type of thing and manage it yourself, I'm I'm happy for you to for you to do that. Sad to see you go, but I can understand.","start_word":727,"end_word":1180,"sentiment":"neutral","sentiment_score":0.11613084992910797},{"text":"Sometimes talking about things is more arduous than just letting them ride.","start_word":1181,"end_word":1192,"sentiment":"negative","sentiment_score":-0.39967989921569824},{"text":"Thank you. But my job is to to, you know, help people out. And if I can't help you, then I'll tell you to go over to rest or recommend another provider as well. Yep. I can say that, you know, there hasn't been too many changes on your hub twenty four fund in a little bit. And there's been, obviously, the last twelve months, the market's been extremely volatile. There's been a lot of big changes that have happened. So Mhmm. Yep.","start_word":1193,"end_word":1275,"sentiment":"neutral","sentiment_score":-0.05076812207698822},{"text":"there's definitely things that we can do within the funds to make things a little bit better, make you know, get some investment returns really happening without being really, really aggressive.","start_word":1276,"end_word":1306,"sentiment":"positive","sentiment_score":0.3720518946647644},{"text":"So, you know, get those returns without taking on heaps of risk. Yep. Because I do appreciate that, you know, we are coming towards our our retirement phase, and we don't wanna be taking too too much at risk. Not trying to put words in your mouth, but, you know, there are definitely options that we can look at in that realm Yep. if you would Yeah. like to. Yeah. Well, I'm open to discussion. It's not like I'm not open to discussion discussing it and seeing where I'm at. So I Okay. I So just if you want me to have a yeah. Sorry, doll. yeah. I just when I did that because I had to do my tax form for work and get all of that Yeah. sorted out. So when I did that, I just thought I'll probably be easier just to have the one. So I just that that was on the ATI website, I think. I prompted that. Yeah. Yeah. You just pressed the button. No. That's okay. Yeah. Alright. Well, I can tell you now, I guess, now that I've rambled at you for a while. Sorry. Yeah. The coffee's definitely hit. The name on the request is obviously different. Your rest fund He's on the and Chico. the hub twenty four fund, yep, they differ, and Yep. hub twenty four can't marry them up to allow that payment to go through. Yep. So we do need to update your name anyway. Yep.","start_word":1307,"end_word":1555,"sentiment":"neutral","sentiment_score":0.07135954768542783},{"text":"So I'm happy to to to do it.","start_word":1556,"end_word":1563,"sentiment":"positive","sentiment_score":0.5023815631866455},{"text":"I'll fill out the form that's required. And if you're able to send a copy of your marriage certificate through and a copy of your driver's license, Yep. Yeah. I didn't get I married can in send Australia, you the though. that's okay. That's I've that's got fine. a change Is of it name certificate which goes from perfect. Pete. I don't know why they did it that way, though, because it's Pete, which is my maiden name, to Yep. Just Chico because that's my my birth certificate. I provided them my birth certificate, my marriage certificate, my divorce certificate, and everything else, and they did it from Peak to Chico instead of Stevens to Chico, which has caused a bit of drama Yep. when I've been trying to change my name It because will. after then Yes. adding an extra document Yes. It will. to marry up to Steven. Have you have you gotten away with it with a stat debt? Like, if that statutory declaration, or have you just been providing your marriage divorce certificate? Well, I've provided I've just had to provide the change of name and then Yep. to marry up the Stevens and Take Peek, the statement. yeah, Yep. with my divorce certificate, I think. Yeah. Yep. And everything else is everything else is being changed. All the important things are being changed except for Yeah. my sister. Yeah. That's super no. That's okay. I can give you a hand with that. One of the quickest ways to do it is a stat deck. Yeah. But the marriage certificates, if you have them on hand, they also work well. It's I've just got a matter all of them. of literally jumping through and jumping through the hoops. Don't Yeah. don't me wrong. I've been doing this for a good over over a decade, Yeah. and I have unfortunately come across a few clients that didn't have the marriage, the divorce certificates, and chasing those out were a pain. So SnapDeck was the way back then, but if you have the certificates, it makes it a lot easier. Yeah. Yeah. So Completely. I can fill out the form and get that done. I'm gonna assume that our address has changed as well Yep. Yes. because What we're obviously is that? no Do longer you have in the do you have Dodgers Ferry? Or you have I St. don't Lucia? have that listed You've got St. any Lucia. You've got yes. I the have l the ad. You didn't yeah. lose your address. Yeah. So did you did you want me to update your address so that way we're Yes, please. I can I can update it on your fund as well? Yep.","start_word":1564,"end_word":2019,"sentiment":"neutral","sentiment_score":0.016533058261286402},{"text":"Perfect.","start_word":2020,"end_word":2020,"sentiment":"positive","sentiment_score":0.4710136651992798},{"text":"So what was your new postal living address? So it's Unit 434. Unit four. Oh, well, they if you put it into the system, it'll come up as 30 to 34 Anglesey Street. How do you spell Anglesey? Sorry. So A N G L E A? Oh, Angle. Yep. A N G oh god. I can't even remember how to spell it. Engel as in a n g l Yep. e s e a. Yep. It's okay.","start_word":2021,"end_word":2097,"sentiment":"neutral","sentiment_score":0.031700342893600464},{"text":"Perfect.","start_word":2098,"end_word":2098,"sentiment":"positive","sentiment_score":0.458612322807312},{"text":"It was literally just Angle C. Cool. Yep. I just wasn't sure if I was being a bit special on that. And what suburb was that? Sorry. South Hobart.","start_word":2099,"end_word":2127,"sentiment":"neutral","sentiment_score":0.038312528282403946},{"text":"Perfect. Amazing.","start_word":2128,"end_word":2129,"sentiment":"positive","sentiment_score":0.4625920057296753},{"text":"Alright. Now that's that. And that would be 7004 is the postcode. And that's postal and Yes. living. Nailing. Yep. Yep. Yep. Perfect. I still have yeah. Residence. Yep. Okay. Well, I can get that updated across everything on my side so I can get Hub 24 done. Have you already updated rest Yep. with your address? Yeah. Yep. Perfect. Okay.","start_word":2130,"end_word":2190,"sentiment":"neutral","sentiment_score":0.10897070914506912},{"text":"Good.","start_word":2191,"end_word":2191,"sentiment":"positive","sentiment_score":0.33954814076423645},{"text":"Alright. Well, what I guess I wanna do and it doesn't have to be today because I know I called you out of the blue so we can schedule a time where, I guess, you're a little bit more in the headspace, and we can sit down and talk about everything. Yep. And we can go through what your goals are, where things are sitting for you now. I can make sure all the details I have on file for you are up to date. So we can go through the fact find Yep. or data collection that we hold, and we can work out, you know, where we're at, where we wanna head to, and then I can put all the pieces together to help us get there. Yep. And if we wanna talk I guess, now's a good enough time to ask. What kind of, I guess, advice scope do you want to talk about?","start_word":2192,"end_word":2348,"sentiment":"neutral","sentiment_score":0.1798996580349412},{"text":"We can definitely touch on the super.","start_word":2349,"end_word":2355,"sentiment":"positive","sentiment_score":0.41853824257850647},{"text":"That's that's, I I guess, a bit of a given. Yes. But is there anything else that really comes to mind that you would wanna raise and talk about based on how everything's changed recently? I don't know.","start_word":2356,"end_word":2393,"sentiment":"neutral","sentiment_score":0.12715008854866028},{"text":"I really don't know. The only thing I'm really concerned about at the moment is working out a way to get my dogs back.","start_word":2394,"end_word":2417,"sentiment":"negative","sentiment_score":-0.3675896525382995},{"text":"Yeah. Do That's you know how much it's gonna about cost to ship them? $12,000. Okay. So little bit, but not look. It's they're they're expensive. They're not crazy. I was thinking in the, you know, 20 to 25. Yeah. Okay. And I guess, like, your ex is like, there's no custody issues with getting them back. Like, it's not a custody battle or anything like that. It's just the money situation. It's a it's a money situation, but mind you, I took over $250,000. He's used all of that. I brought a car over there. He won't sell Yep. the car to help me get them back. He's being he's he'll send them back, but I've gotta pay for it. Pay for it. Of course. Of course. So and So it's not until not a very amicable split. no. Well, and until we actually get a divorce, he's not going to give me anything, basically. What if if I may ask, what assets do you like, did do you have do you have anything left over there apart from the dogs and the car you funded? Yeah. I've got personal things there, but, like, I I paid for well, most of that money went into our house, but the house is in his name. It's not in my name. Surely I mean, don't get me wrong. I'm not a lawyer in The Caribbean. But surely, that would still become a marital asset and is divisible between the two of you upon financial separation and divorce settlement. Yeah. I have to go to women's legal and try and find out where I stand. Yeah. Okay. They may direct you to someone in The Caribbean just to Yeah. give you, I guess, a bit of a head But they just they because just generally, did say like to me, yeah, make an appointment and speak yeah. to some women in there that actually deal with overseas divorce. Like, I don't Yeah. know what else.","start_word":2418,"end_word":2750,"sentiment":"neutral","sentiment_score":-0.08766290968334353},{"text":"Bloody thinking.","start_word":2751,"end_word":2752,"sentiment":"negative","sentiment_score":-0.35315120220184326},{"text":"This is only we've only been married just over twelve months. Was it a The women beautiful over there whirlwind, though? Did you have fun?","start_word":2753,"end_word":2777,"sentiment":"neutral","sentiment_score":-0.05723198130726814},{"text":"I did have fun, most of it, but he like, the way men treat women over there is so ridiculous. Like, you're not allowed to have an opinion. You're not allowed to do this. You're not allowed to do that even with the car.","start_word":2778,"end_word":2821,"sentiment":"negative","sentiment_score":-0.47185781598091125},{"text":"I could've put the car in my name just because I didn't I wasn't a citizen there. Didn't mean I couldn't put it in my Yeah. name. There's lots of people from The UK and The US that live there, But he Yeah. did he was adamant about putting it in his name. Adamant which I did. So Yeah. oh, someone else is calling me. Can I just take this? Because I'm waiting on a job. So and a different You're fine, one. sweetheart. Only be a Put second. me on hold. You're fine. Thank you. Oh, it's just a silly lady about Internet. I love this. I've got I've just I'm taking on a new job, but it's with an next employer that I used to work for. Mhmm. But Yeah. I've also got an interview on Friday, next Friday for CSR, and that's based in Hobart. The Yep. other one's based in Launceston.","start_word":2822,"end_word":2976,"sentiment":"neutral","sentiment_score":-0.06632515824129505},{"text":"I really want this one in Hobart because I'm based in Hobart now.","start_word":2977,"end_word":2989,"sentiment":"positive","sentiment_score":0.4499415457248688},{"text":"I don't wanna go back to Launceston.","start_word":2990,"end_word":2996,"sentiment":"negative","sentiment_score":-0.36958277225494385},{"text":"It's where I came from originally. Yeah. But I'm originally I was born in Hobart, but I lived in Launceston for twenty odd years, Yeah. twenty five years. And I don't wanna be in Launceston. I wanna be here. So I need a job in Hyderabad. I'm only taking that one as an interim job. Yeah. Because Is that it just bad? fills the gap. Is is that bad?","start_word":2997,"end_word":3065,"sentiment":"neutral","sentiment_score":-0.0974409207701683},{"text":"Not at not at all.","start_word":3066,"end_word":3070,"sentiment":"negative","sentiment_score":-0.3809865713119507},{"text":"It's I need why the money. a yeah. No. Not at all. A, you have to look after yourself, and, b, there's you know? What's it called? That period of time where they can fire you at any point. Yeah. Yeah. When you go through what's Notice I don't period. know if you think yeah. Yeah. I can't even think of the words myself. Yeah. Yeah.","start_word":3071,"end_word":3136,"sentiment":"neutral","sentiment_score":-0.16573785245418549},{"text":"Oh, that's gonna annoy me now.","start_word":3137,"end_word":3142,"sentiment":"negative","sentiment_score":-0.4491037428379059},{"text":"I The I it's know. six months probation Me too. your probation period. Probation. Yeah. Yes. Yeah. So So there's nothing wrong. You with an employee are put are allowed to put a company on probation just as much as they put you on probation. You're yeah. not happy Well, there, and and, ultimately, the travel starts. There's nothing look, wrong I feel with you really being bad, able though, to because leave. when I brought my house when I originally brought my own home after I divorced the first time, everyone said you'll never Yeah. get another house. You'll never get another house. And this company gave me my stepping stone to actually buy a Yeah. house on my own. And but then they sold they sold the business to different I think it was a Japanese company. But I come back to Yes. Australia, and they're the first ones that have offered me a job. So Fair I feel enough. a bit guilty about doing it, but I'm not. Like, I think I need to have a job right now, but I need something that I wanna stay No. in long term till I retire.","start_word":3143,"end_word":3339,"sentiment":"neutral","sentiment_score":-0.1426889017451233},{"text":"Absolutely. There's nothing wrong with that at all, hon.","start_word":3340,"end_word":3348,"sentiment":"positive","sentiment_score":0.37683120369911194},{"text":"You're allowed to have an interim job just to get you on your feet and go from there. Yep. Can I ask well, I guess, while we're talking about it, how much is the income on them? Pardon? How much is How are much they is offering the income? you an income? So 70 Yeah. 5 with the company vehicle, laptop, and phone, and then the super and commission as well.","start_word":3349,"end_word":3419,"sentiment":"neutral","sentiment_score":0.14587771892547607},{"text":"Perfect. So at least I won't have a vehicle to worry about. I don't have to pay fuel and anything like that, so that's good.","start_word":3420,"end_word":3444,"sentiment":"positive","sentiment_score":0.5755022168159485},{"text":"Yeah. So it's not too bad. And then you're waiting to hear from CSR. Yeah. Yeah. CSR is, Oh, like, in interview next Friday. yeah, $90, which is much better, plus the same car, everything else. Oh, perfect. What are the jobs in, if I could ask? Like, is it it's, Business like, development. sales sales Yes. rep? Business Business develop? Oh, development. yeah. Like a BDM. Yep. Perfect. Okay. See Hobart's a little bit better because you don't have to travel to and from. Not that you're, Yeah. like, doing the Not that you have to pay for the fuel, but irrespective, your time is worth money as well when traveling from Hobart to Launceston, Spain. Yeah. Well, I'm gonna stay with the girlfriend, but I'm sort of trying to work at where I can leave here Monday morning at six in the morning because it's two and a half hours Yeah. to drive the lawn system. Yes. I thought I'll leave here Monday morning, and then I'll come back when Thursday night. So if I I'm only staying Yep. away Monday, Tuesday, Wednesday, and I'll finish work on Thursday afternoon about four ish and head back here and just do all my admin stuff on a Friday in Highmark. Yeah. So I get four days at home because I've got a little unit here, And I don't I don't wanna give this up because I was actually very lucky, to be honest, because when I came back with all the drama with my ex husband, I went into Housing Connect because I I was staying with my daughter on a mattress on the floor.","start_word":3445,"end_word":3720,"sentiment":"neutral","sentiment_score":0.08267713181566501},{"text":"And they have actually given me this transitional unit. So the rent's been good because I've been on JobSeeker since I've been back.","start_word":3721,"end_word":3743,"sentiment":"positive","sentiment_score":0.5089175701141357},{"text":"Yeah. And I said if I get a job, will you kick me out? And I said no. But when you get into one of those places, it puts you on the top of the list for housing. And because I don't have a house now, it's gonna Yeah. Yeah. be very I difficult could see. for me to find something at my age too. Like, I'm, like, 56, 10, and 57. I'm actually surprised I got a job. Don't be. You They know, value, I'm getting obviously, older. your knowledge and skills. Yeah. Yeah. But when you have that knowledge and skills, it works. Yeah. I don't look my age either, so that's a bonus. Most people think I'm in my forties. Most people think I'm in my forties, but I'm not. I'm closer to 60 these days than I am. Get it, girl. 50. That's okay. Alright. Okay. So we've got a lot of big things happening, a lot of things moving. Yep. Let's let's tee up a time when would work for you, like next week, week after. If you wanna wait until after you hear hear about the job, we can touch base then. Or Well, I could do it next week, but it'll probably have to be after four. That's okay, hon. Absolutely. Let me bring up my calendar. Where is my calendar?","start_word":3744,"end_word":3971,"sentiment":"neutral","sentiment_score":-0.02249591114620368},{"text":"That's an excellent question.","start_word":3972,"end_word":3975,"sentiment":"positive","sentiment_score":0.6173088550567627},{"text":"Where's this issue? There it is. Next week. Alright. So that is the week of the twenty fifth. Yeah. Not on a Friday, I can though. no. That's okay.","start_word":3976,"end_word":4004,"sentiment":"neutral","sentiment_score":-0.01626691035926342},{"text":"My brain's pretty dead by a Friday anyway.","start_word":4005,"end_word":4012,"sentiment":"negative","sentiment_score":-0.4682545065879822},{"text":"So we could do any day, really. Mondays are pretty much the out, so let's go Tuesday, Wednesday, Thursday. When do you wanna have a Yeah. chat? Do it Thursday because I'm starting the job on Monday, so by Thursday, Alright.","start_word":4013,"end_word":4053,"sentiment":"neutral","sentiment_score":0.08159633725881577},{"text":"Perfect. So I'm gonna go first up in I the morning when we're fresh. We have a coffee on our lap, and we're ready to go.","start_word":4054,"end_word":4079,"sentiment":"positive","sentiment_score":0.4005475342273712},{"text":"reckon. Well, the boss will be with me probably until Thursday, I reckon. So it might I might need to do it afternoon. Oh, sorry. You did say I'm so sorry. Yes. Yes. Yes. Afternoon. Yeah. Sorry. After four. Sorry about Yeah. that, doll. Will you still be at work? Okay. Yes. Yeah. No. That's absolutely Well, fine. you can have a you can have a No. coffee while you're talking to me. Absolutely. This guy lives on coffee. Me Alright. too. So and so the one thing I would like you to do if you're able to, I can send you an email. And if you are able to get a report on your rest super fund, Yep. Yep. I don't have access to it at the moment. The authority we used to have on file lapses regularly, Yep. and I wanna be able to have a look at that, I guess, prior to us having a chat. So that way, I What can look do at both what the funds do you and actually where they're sitting need? and just a like, an annual statement report. You should be able to generate one from the platform, I'm on I mean, like the that login. I mean, that's now. Look at Let me have a look. you Accounts, there. investments, insurance, beneficiary statements, and communications. Is it in there? Yeah. It should be in there. So I've got no insurance coverage now. That's actually stopped, but it it will trigger that back, I think, once I start. Working again. Yeah. The twenty four twenty five annual lenders meeting notice? No. No. That that's members' meeting. I can't see anything there. Insurance coverage annual review. The other option, I guess, if you are able to just take a screenshot of the, like, Investments. transactions page and the investments page and the balance, Yeah. I can tell you that the gives balance me now a lot of if everything. you like. Yeah. Go That's for it. 25,200 Yep. and $83.83. Perfect. Oh, well, let's just do it this way. What are the investments? Yep. High growth. It just says high growth for future contributions, a hundred percent ten year return. Let's have a look. I wanna see if it gives me anything else. No. Yep. That should be it. That'll be the that'll be just the ref Thai growth asset. That's fine. And the last employer contribution, I'm assuming, was well over twelve months ago. It would have been, yeah, just over twelve months ago. I think the last one was Yeah. January. Hold on. I'll tell you. Cool. That that's absolutely okay. Oh, would have been January 2025. Yeah. Actually, the last one was the 02/20/2025.","start_word":4080,"end_word":4535,"sentiment":"neutral","sentiment_score":0.03751333008863424},{"text":"Perfect.","start_word":4536,"end_word":4536,"sentiment":"positive","sentiment_score":0.3435436487197876},{"text":"Okay. That pretty much covers everything else. No insurance lapse because of the no contributions, investment.","start_word":4537,"end_word":4552,"sentiment":"neutral","sentiment_score":0.16339527070522308},{"text":"Amazing.","start_word":4553,"end_word":4553,"sentiment":"positive","sentiment_score":0.5345584750175476},{"text":"Everything else, I'll have a statement that'll be a little bit older that I can have a look at some of, like, the specific dates when the account was set up and stuff like that. Yep. Just back back end information that's generally a bit hard for you to access through the portal anyway. That gives me everything on that front. And then what I will do do you live and die by your calendar? Yep. Yes. Do?","start_word":4554,"end_word":4631,"sentiment":"neutral","sentiment_score":0.10711897546664262},{"text":"Cool. So what I'm gonna do is I'm gonna invite you to the meeting so that way it's in your calendar, and neither of us can forget.","start_word":4632,"end_word":4658,"sentiment":"positive","sentiment_score":0.3635361492633819},{"text":"Mhmm. Yep.","start_word":4659,"end_word":4660,"sentiment":"neutral","sentiment_score":0.21498696506023407},{"text":"That way it pops up, and it's there for you. Okay? Awesome. There we go.","start_word":4661,"end_word":4675,"sentiment":"positive","sentiment_score":0.42031264305114746},{"text":"Now during that meeting, do you wanna talk about cash flow and budgeting, or do you wanna wait a little bit until we get the job and we know what our income's gonna be and we can kinda go from there? Well, I've got this job. I just don't know about the next This one. is true. Yeah. That's I've got absolutely I've got okay. this job with Sebigas, and I'll have to stay with that anyway until I secure another one. Yeah. No. That's okay. Alright. Well, we can do you want me to send you a bit of a budget so you can kind of start playing around with it? I mean, sometimes a lot of budgeting discussion is just a friendly ear to lean on Yep. while you work out where things are at. I can send you a bit of a budget tool that'll let you kind of play with what you're Yep. earning and go from there. Yep. That'd be good. Yeah. Okay. I'll email that to you. And then my other question, did you wanna meet virtually, like, a face like, through Google or Teams, or are you happy to do a phone call? Zero. Doesn't matter me. Whatever you feel more comfortable with. I I don't mind. I don't mind. It's just more of a on a Thursday afternoon, if you're gonna be in transit, we obviously can't Google Meet. We can do do Every a phone time call, would but be it's better. just it's Yeah. your preference.","start_word":4676,"end_word":4931,"sentiment":"neutral","sentiment_score":0.06960330158472061},{"text":"Perfect.","start_word":4932,"end_word":4932,"sentiment":"positive","sentiment_score":0.36250537633895874},{"text":"That's okay. Just wanted to double check. Alright.","start_word":4933,"end_word":4940,"sentiment":"neutral","sentiment_score":0.12402062118053436},{"text":"I've sent that off to you. So you'll have that sitting in your calendar so that way we're able to it's able to remind you.","start_word":4941,"end_word":4965,"sentiment":"positive","sentiment_score":0.3817172944545746},{"text":"And I'll send you an email now with that budgeting or cash flow tool. Okay? Yep.","start_word":4966,"end_word":4981,"sentiment":"neutral","sentiment_score":0.23777733743190765},{"text":"Awesome. Thank you. That's okay, and we'll speak next Thursday. No worries. Thanks for that. That's okay. We'll speak then. Have a good have a good afternoon. You're the same.","start_word":4982,"end_word":5011,"sentiment":"positive","sentiment_score":0.5626071095466614},{"text":"Yeah.","start_word":5012,"end_word":5012,"sentiment":"neutral","sentiment_score":0.3102760910987854},{"text":"You too, Lisa.","start_word":5013,"end_word":5015,"sentiment":"positive","sentiment_score":0.3341239094734192},{"text":"Bye. Bye.","start_word":5016,"end_word":5017,"sentiment":"neutral","sentiment_score":0.2033802717924118}],"average":{"sentiment":"neutral","sentiment_score":0.04488257765522602}}}}