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No problem at all, Lauren. Just because it is a new call there, if I could just pass you through security, just that name, date of birth, and card address, we can get stuck back into that. Perfect. Yeah. And these calls are recorded for the the crane training quality purposes there. I'm not too sure where you heard up to, but given, you know, your age as well, you you could even afford to take on more risk if but, obviously, if it's something that you're comfortable, you're comfortable with the returns you are getting, it's no need to sort of take on more risk, if that makes sense. So currently, even with what did occur over a twelve month period, you did around 8.29%, which is still quite a nice return. It's in that sort of expected range for growth portfolio, and it's about 80% growth assets and about 20% more defensive assets there as well. And you do have a bit of an active portion managed funds in that, which aim to, like, try and outperform that market. Now within that, you do have a better long fund, which given what did occur with it towards the end of last year, they did have an underlying investment that was underperforming in terms of, like, they were done for not accounting correctly. And then with that, they had to reevaluate the share price that caused the fund to take a significant sort of dive. Now given that it is a smaller weighting in your portfolio, it hasn't, like, affected your overall performance too badly for the past twelve months. But as a company, they are looking at removing that as well. Now we can look to review the entire portfolio there for you, or we can just look to do a company ROA based on the, like, the review of the investment committee. So we're not we wouldn't be reviewing the entire portfolio then. It's a lot quicker. We'd just be able to send you out the form, and they can make that change to remove that asset, and they'd switch it with an Australian equities index fund as a replacement, which is cheaper and a little less risky in terms of that. Yep. Otherwise, I could sort of, you know, go to advice and then sort of take a few weeks to be able to do the research, put together the document there as well, which is another option there for you. Just the record just the record of advice to change that investment? Yeah. Well yes. So generally, you don't want to sort of sell low by high, but given what did happen with the fund, they've lost sort of consumer confidence in the fund itself, and they don't have conviction in it long term. So they're just looking at removing that fund. As far as, like, other ones when you do take a bit of a dive, there's a an AI sort of tech focused one with the cyber side of things that has taken a bit of a dip that they have con like, confidence in that long term that it will return. It's just the AI sort of sector has taken a little bit of a dip in the past few months with the war as well. But given the rest of your portfolio is sort of propping it up, you're still getting nice returns. It's more than fine to maintain this, and let's sort of review it. You're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense. Perfect. And then within regards to if, you know, with the war, if it continue to go down in terms of, like, your portfolio by, like, 20 just with what is happening in the world, would you be sort of confident in sort of just holding it like you did through COVID to sort of weather those dips and wait for it to return? Yeah. Yeah. No. That's that's fine. So with things like COVID, obviously, it was quite significant in terms of the effect it had on the markets. But in terms of, like, the markets, how they recovered, it did happen within a nice sort of period after that. If you were to sort of sell and then buy back in, you run the risk of, like, day trading where you're trying to, you know, sell sell high, buy low to try and reenter the market. But if you just stay invested during that time of the ups and downs, generally, you end up sort of on the up after a long a longer period of time anyway. So staying invested does sort of help, and it eliminates any sort of risk of sort of having to make those decisions of when to exit and enter the market, if that makes sense. Perfect. And then in regards to those times, did it make you sort of concerned at all during, like, COVID and things like that where your super did take a bit of a backward step or you weren't too concerned or not too? Okay. Not a problem. Okay. Okay. Not a problem. And then as far to borrow, regard to borrowed money, are you sort of just happy you're sort of borrowing for a purchase of a home sort of in future? You don't really sort of look at investing anything other than property at the moment? Perfect. So that does bring you out there as growth investors too, which is still at eighty twenty split. So that's more than fine to leave you in the portfolio and just make that record of advice change as per the investment committee's decision, which is fine. In regards to insurances, obviously, you have the IP, but you wanna get canceled. Obviously, you don't have the life TBD in trauma insurance at the moment. As long as you're aware of, like, what they cover and the fact that you don't have them, that's more than fine to review in the future as well. We will touch on it each year, but you're fine sort of still not having, like, all types of insurance. Yeah. Perfect. And within regards to your ongoing service agreement there, Lauren, now I wasn't sort of prepared to do your annual review just because it was meant to just be a little ad hoc call there. So I do apologize for taking out more than your time you're expecting. I I can get them to send out your annual review pack. Now within regards to that as well, it will have the ongoing service agreement. Now that is if you are happy to stay with the service for another twelve months. I know you sort of did have some concerns previously and potentially wanted to, you know, maybe not be part of the service and was sort of thinking about it. It's important to note that, like, obviously, with you staying on at the moment, you'd be agreeing to stay on board as an Okie client. You'd be have all the services under Okie Financial and their services they provide. And then with that, based on the fee at the moment, it'd be looking at around sort of 1,500 for the next twelve months in terms of a fee based on your current balance. But I just charge monthly if you ever did feel like you weren't getting enough out of service or did wanna move on as well. It's not a lock in contract. So as long as you're happy and sort of happy with how things are going, fantastic. If ever you did wanna make some changes, you're not stuck. You're not holding your will. If it's something that you personally decide, we'll assist you on your way out. You don't have to start dodging our phone calls and things like that as well. Obviously, you know well well okay. Not a problem. Right. Obviously, we're always happy to get some feedback. So if ever you do wanna leave a sort of review on sort of how we could improve, I'll give you some feedback information. That's more than fine as well. We're happy for that. Within regards to you wanting to purchase a home with that money as well, we do have access to some mortgage brokers here that I could refer you on to once you sort of do receive that inheritance. So, you know, you might oh, sorry? Yeah. Well, the way mortgage brokers are paid generally anyway, they do get their commissions from, like, the loans they set up with the providers anyway. Only sort of certain fee would charge you, like, an additional fee. But we do have trusted partners here that we can sort of refer you on to. There is an in house one, but given that, he does get a little bit busy. So we also have some trusted partners we can pass you along to to have that discussion as well to assist you in your sort of lending needs as well and sort of your serviceability and things like that. Would you like sort of just to wait until you get the inheritance and then sort of start the process? Because they do move quite quickly in terms of, like, once they do have your details, they do give you a call and things like that as well. Are you happy to reach out once you yeah. Not a problem. Yep. Look. It's it's not not really in terms of, like, having the money there and sort of where you are financially. As long as you sort of have it there, it's an offensive portion. With the way the markets are anyway, if you were to invest it, the walk could go on for another to twelve months, and it could sort of take a bit of a dive, and interest rates sort of keep going up. So one thing to be mindful of is, you know, you know, you could do some now and sort of wait and sort of see the next interest rise as well, what that looks like. In terms of that, if it's whether you do term deposit, things like that, because, obviously, interest rate did jump up again the other day. So you would get a little bit more for it sitting there, which is something there. In terms of what next there, Lauren, so they will organize that annual review pack for you. We'll include that ongoing service agreement. Maybe a few other documents in terms of, like, your twelve month report, your certificate of currency as well. Just fill that churn just for now, and then I'll get them to organize the forms for you there to be able to cancel that policy for you. And then once all sort of that's signed, they'll still follow-up on the beneficiary forms. They'll get that sent out and then also your change of detail forms there as well. But is there anything that I haven't covered today that you wanna have a conversation about, Lauren? Any concerns, questions, queries about the ongoing service agreement? What your sort of fees or anything like that? Yeah. That's more of yep. And then with that too, given that your brother sort of isn't a dependent on the Syslaw as well, it might not be a valid nomination at the time if anything was to occur. Just because he's not a dependent, he doesn't rely on you financially, things like that. You can try and prove interdependency where you do sort of provide financial, emotional support, things like that. But it's a lot, lot harder to prove, and they still might decide that it's not at the time of claim. So given if you do wanna leave down family members, things like that, you can leave it to a legal person representative, which does fall to your state, and then that's where a will comes into place and things like that as well, if that makes sense. Obviously, you know, if you don't have anyone, you wanna put your brother and you don't have anyone else, you don't wanna leave it to the estate, you can do it. It sort of might just be a bit more of a logistical nightmare come you know, if something was to happen. But, you know, the chances are that you're probably gonna live a long, healthy life, and you might have a partner, things like that down the track, and you might change it anyway before anything does happen. It's just something to be mindful of. No problem, Lauren. Anything else you wanna chat with me about before I let you go? No problem. Yeah. I thought I'd try and get it out of the way. So we're not bugging you in a few weeks time to try and get it done for you. Given there is a bit busy, I'll try and sort of get them to try and get it sorted in the next sort of this week with those forms and everything. There are a few things left together for that one. So I do apologize if it takes a little bit for those to come out. But, obviously, in regards to the insurances, it's, like, paid already, and the amount that will like, is remaining on the policy will get rebated to your account. Whatever is left, it's just proportionated. So, hopefully, we can get that sorted for you, and you might get a little bit of a refund back in your account. But I'm not too sure what that is depending on when the policy was paid for. No problem, Lauren. Well, thanks for your time today. You enjoy the rest of your day. Hopefully, stay out of the rain and the dog's having a nice time. No. Not a problem at all. Well, good luck with that. We'll talk soon. Yeah. See you. 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That's perfectly fine. Yeah. Not a problem at all. Just because it is a new call, unfortunately, I do have to pass you through that security.\n\nCan you hear me there, Lauren? Okay. No problem at all, Lauren. Just because it is a new call there, if I could just pass you through security, just that name, date of birth, and card address, we can get stuck back into that. Perfect.\n\nYeah. And these calls are recorded for the the crane training quality purposes there. I'm not too sure where you heard up to, but given, you know, your age as well, you you could even afford to take on more risk if but, obviously, if it's something that you're comfortable, you're comfortable with the returns you are getting, it's no need to sort of take on more risk, if that makes sense. So currently, even with what did occur over a twelve month period, you did around 8.29%, which is still quite a nice return. It's in that sort of expected range for growth portfolio, and it's about 80% growth assets and about 20% more defensive assets there as well.\n\nAnd you do have a bit of an active portion managed funds in that, which aim to, like, try and outperform that market. Now within that, you do have a better long fund, which given what did occur with it towards the end of last year, they did have an underlying investment that was underperforming in terms of, like, they were done for not accounting correctly. And then with that, they had to reevaluate the share price that caused the fund to take a significant sort of dive. Now given that it is a smaller weighting in your portfolio, it hasn't, like, affected your overall performance too badly for the past twelve months. But as a company, they are looking at removing that as well.\n\nNow we can look to review the entire portfolio there for you, or we can just look to do a company ROA based on the, like, the review of the investment committee. So we're not we wouldn't be reviewing the entire portfolio then. It's a lot quicker. We'd just be able to send you out the form, and they can make that change to remove that asset, and they'd switch it with an Australian equities index fund as a replacement, which is cheaper and a little less risky in terms of that. Yep.\n\nOtherwise, I could sort of, you know, go to advice and then sort of take a few weeks to be able to do the research, put together the document there as well, which is another option there for you. Just the record just the record of advice to change that investment? Yeah. Well yes. So generally, you don't want to sort of sell low by high, but given what did happen with the fund, they've lost sort of consumer confidence in the fund itself, and they don't have conviction in it long term.\n\nSo they're just looking at removing that fund. As far as, like, other ones when you do take a bit of a dive, there's a an AI sort of tech focused one with the cyber side of things that has taken a bit of a dip that they have con like, confidence in that long term that it will return. It's just the AI sort of sector has taken a little bit of a dip in the past few months with the war as well. But given the rest of your portfolio is sort of propping it up, you're still getting nice returns. It's more than fine to maintain this, and let's sort of review it.\n\nYou're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense. Perfect. And then within regards to if, you know, with the war, if it continue to go down in terms of, like, your portfolio by, like, 20 just with what is happening in the world, would you be sort of confident in sort of just holding it like you did through COVID to sort of weather those dips and wait for it to return? Yeah. Yeah.\n\nNo. That's that's fine. So with things like COVID, obviously, it was quite significant in terms of the effect it had on the markets. But in terms of, like, the markets, how they recovered, it did happen within a nice sort of period after that. If you were to sort of sell and then buy back in, you run the risk of, like, day trading where you're trying to, you know, sell sell high, buy low to try and reenter the market.\n\nBut if you just stay invested during that time of the ups and downs, generally, you end up sort of on the up after a long a longer period of time anyway. So staying invested does sort of help, and it eliminates any sort of risk of sort of having to make those decisions of when to exit and enter the market, if that makes sense. Perfect. And then in regards to those times, did it make you sort of concerned at all during, like, COVID and things like that where your super did take a bit of a backward step or you weren't too concerned or not too? Okay.\n\nNot a problem. Okay. Okay. Not a problem. And then as far to borrow, regard to borrowed money, are you sort of just happy you're sort of borrowing for a purchase of a home sort of in future?\n\nYou don't really sort of look at investing anything other than property at the moment? Perfect. So that does bring you out there as growth investors too, which is still at eighty twenty split. So that's more than fine to leave you in the portfolio and just make that record of advice change as per the investment committee's decision, which is fine. In regards to insurances, obviously, you have the IP, but you wanna get canceled.\n\nObviously, you don't have the life TBD in trauma insurance at the moment. As long as you're aware of, like, what they cover and the fact that you don't have them, that's more than fine to review in the future as well. We will touch on it each year, but you're fine sort of still not having, like, all types of insurance. Yeah. Perfect.\n\nAnd within regards to your ongoing service agreement there, Lauren, now I wasn't sort of prepared to do your annual review just because it was meant to just be a little ad hoc call there. So I do apologize for taking out more than your time you're expecting. I I can get them to send out your annual review pack. Now within regards to that as well, it will have the ongoing service agreement. Now that is if you are happy to stay with the service for another twelve months.\n\nI know you sort of did have some concerns previously and potentially wanted to, you know, maybe not be part of the service and was sort of thinking about it. It's important to note that, like, obviously, with you staying on at the moment, you'd be agreeing to stay on board as an Okie client. You'd be have all the services under Okie Financial and their services they provide. And then with that, based on the fee at the moment, it'd be looking at around sort of 1,500 for the next twelve months in terms of a fee based on your current balance. But I just charge monthly if you ever did feel like you weren't getting enough out of service or did wanna move on as well.\n\nIt's not a lock in contract. So as long as you're happy and sort of happy with how things are going, fantastic. If ever you did wanna make some changes, you're not stuck. You're not holding your will. If it's something that you personally decide, we'll assist you on your way out.\n\nYou don't have to start dodging our phone calls and things like that as well. Obviously, you know well well okay. Not a problem. Right. Obviously, we're always happy to get some feedback.\n\nSo if ever you do wanna leave a sort of review on sort of how we could improve, I'll give you some feedback information. That's more than fine as well. We're happy for that. Within regards to you wanting to purchase a home with that money as well, we do have access to some mortgage brokers here that I could refer you on to once you sort of do receive that inheritance. So, you know, you might oh, sorry?\n\nYeah. Well, the way mortgage brokers are paid generally anyway, they do get their commissions from, like, the loans they set up with the providers anyway. Only sort of certain fee would charge you, like, an additional fee. But we do have trusted partners here that we can sort of refer you on to. There is an in house one, but given that, he does get a little bit busy.\n\nSo we also have some trusted partners we can pass you along to to have that discussion as well to assist you in your sort of lending needs as well and sort of your serviceability and things like that. Would you like sort of just to wait until you get the inheritance and then sort of start the process? Because they do move quite quickly in terms of, like, once they do have your details, they do give you a call and things like that as well. Are you happy to reach out once you yeah. Not a problem.\n\nYep. Look. It's it's not not really in terms of, like, having the money there and sort of where you are financially. As long as you sort of have it there, it's an offensive portion. With the way the markets are anyway, if you were to invest it, the walk could go on for another to twelve months, and it could sort of take a bit of a dive, and interest rates sort of keep going up.\n\nSo one thing to be mindful of is, you know, you know, you could do some now and sort of wait and sort of see the next interest rise as well, what that looks like. In terms of that, if it's whether you do term deposit, things like that, because, obviously, interest rate did jump up again the other day. So you would get a little bit more for it sitting there, which is something there. In terms of what next there, Lauren, so they will organize that annual review pack for you. We'll include that ongoing service agreement.\n\nMaybe a few other documents in terms of, like, your twelve month report, your certificate of currency as well. Just fill that churn just for now, and then I'll get them to organize the forms for you there to be able to cancel that policy for you. And then once all sort of that's signed, they'll still follow-up on the beneficiary forms. They'll get that sent out and then also your change of detail forms there as well. But is there anything that I haven't covered today that you wanna have a conversation about, Lauren?\n\nAny concerns, questions, queries about the ongoing service agreement? What your sort of fees or anything like that? Yeah. That's more of yep. And then with that too, given that your brother sort of isn't a dependent on the Syslaw as well, it might not be a valid nomination at the time if anything was to occur.\n\nJust because he's not a dependent, he doesn't rely on you financially, things like that. You can try and prove interdependency where you do sort of provide financial, emotional support, things like that. But it's a lot, lot harder to prove, and they still might decide that it's not at the time of claim. So given if you do wanna leave down family members, things like that, you can leave it to a legal person representative, which does fall to your state, and then that's where a will comes into place and things like that as well, if that makes sense. Obviously, you know, if you don't have anyone, you wanna put your brother and you don't have anyone else, you don't wanna leave it to the estate, you can do it.\n\nIt sort of might just be a bit more of a logistical nightmare come you know, if something was to happen. But, you know, the chances are that you're probably gonna live a long, healthy life, and you might have a partner, things like that down the track, and you might change it anyway before anything does happen. It's just something to be mindful of. No problem, Lauren. Anything else you wanna chat with me about before I let you go?\n\nNo problem. Yeah. I thought I'd try and get it out of the way. So we're not bugging you in a few weeks time to try and get it done for you. Given there is a bit busy, I'll try and sort of get them to try and get it sorted in the next sort of this week with those forms and everything.\n\nThere are a few things left together for that one. So I do apologize if it takes a little bit for those to come out. But, obviously, in regards to the insurances, it's, like, paid already, and the amount that will like, is remaining on the policy will get rebated to your account. Whatever is left, it's just proportionated. So, hopefully, we can get that sorted for you, and you might get a little bit of a refund back in your account.\n\nBut I'm not too sure what that is depending on when the policy was paid for. No problem, Lauren. Well, thanks for your time today. You enjoy the rest of your day. Hopefully, stay out of the rain and the dog's having a nice time.\n\nNo. Not a problem at all. Well, good luck with that. We'll talk soon. Yeah.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"No.","start":2.72,"end":2.96,"sentiment":"neutral","sentiment_score":-0.2553705871105194},{"text":"That's perfectly fine.","start":2.96,"end":4.42,"sentiment":"neutral","sentiment_score":-0.2634314000606537},{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":-0.008556613698601723},{"text":"Not a problem at all.","start":9.28,"end":10.5,"sentiment":"neutral","sentiment_score":-0.00016418397426605226},{"text":"Just because it is a new call, unfortunately, I do have to pass you through that security.","start":10.639999,"end":14.259999,"sentiment":"neutral","sentiment_score":-0.26737697904600816}],"sentiment":"neutral","sentiment_score":-0.20742410980165005,"num_words":27,"start":2.72,"end":14.259999},{"sentences":[{"text":"Can you hear me there, Lauren?","start":17.775,"end":18.915,"sentiment":"neutral","sentiment_score":-0.11174157510201137},{"text":"Okay.","start":27.47,"end":27.97,"sentiment":"neutral","sentiment_score":-0.12284275144338608},{"text":"No problem at all, Lauren.","start":36.03,"end":37.41,"sentiment":"neutral","sentiment_score":0.11498543471097947},{"text":"Just because it is a new call there, if I could just pass you through security, just that name, date of birth, and card address, we can get stuck back into that.","start":38.03,"end":43.975,"sentiment":"neutral","sentiment_score":0.04795714793726802},{"text":"Perfect.","start":55.17,"end":55.67,"sentiment":"positive","sentiment_score":0.4474649429321289}],"sentiment":"neutral","sentiment_score":0.039193969964981076,"num_words":45,"start":17.775,"end":55.67},{"sentences":[{"text":"Yeah.","start":56.289997,"end":56.53,"sentiment":"neutral","sentiment_score":0.1933119148015976},{"text":"And these calls are recorded for the the crane training quality purposes there.","start":56.53,"end":60.789997,"sentiment":"neutral","sentiment_score":0.08687779336021496},{"text":"I'm not too sure where you heard up to, but given, you know, your age as well, you you could even afford to take on more risk if but, obviously, if it's something that you're comfortable, you're comfortable with the returns you are getting, it's no need to sort of take on more risk, if that makes sense.","start":61.089996,"end":75.854996,"sentiment":"neutral","sentiment_score":0.1336772044285618},{"text":"So currently, even with what did occur over a twelve month period, you did around 8.29%, which is still quite a nice return.","start":75.854996,"end":82.479996,"sentiment":"positive","sentiment_score":0.47623447620350384},{"text":"It's in that sort of expected range for growth portfolio, and it's about 80% growth assets and about 20% more defensive assets there as well.","start":82.479996,"end":90.0,"sentiment":"positive","sentiment_score":0.40886958479881286}],"sentiment":"neutral","sentiment_score":0.2520927804832657,"num_words":120,"start":56.289997,"end":90.0},{"sentences":[{"text":"And you do have a bit of an active portion managed funds in that, which aim to, like, try and outperform that market.","start":90.0,"end":95.755,"sentiment":"neutral","sentiment_score":0.3191299917905227},{"text":"Now within that, you do have a better long fund, which given what did occur with it towards the end of last year, they did have an underlying investment that was underperforming in terms of, like, they were done for not accounting correctly.","start":97.975,"end":109.83,"sentiment":"neutral","sentiment_score":-0.11203703370898269},{"text":"And then with that, they had to reevaluate the share price that caused the fund to take a significant sort of dive.","start":109.97,"end":115.51,"sentiment":"neutral","sentiment_score":-0.20565626533194023},{"text":"Now given that it is a smaller weighting in your portfolio, it hasn't, like, affected your overall performance too badly for the past twelve months.","start":115.81,"end":124.385,"sentiment":"neutral","sentiment_score":-0.10362783849239349},{"text":"But as a company, they are looking at removing that as well.","start":124.605,"end":127.965004,"sentiment":"neutral","sentiment_score":-0.2138352170586586}],"sentiment":"neutral","sentiment_score":-0.05727007234096527,"num_words":125,"start":90.0,"end":127.965004},{"sentences":[{"text":"Now we can look to review the entire portfolio there for you, or we can just look to do a company ROA based on the, like, the review of the investment committee.","start":127.965004,"end":138.28,"sentiment":"neutral","sentiment_score":0.04867328691761941},{"text":"So we're not we wouldn't be reviewing the entire portfolio then.","start":138.90001,"end":141.7,"sentiment":"neutral","sentiment_score":0.02609535353258252},{"text":"It's a lot quicker.","start":141.7,"end":142.42,"sentiment":"neutral","sentiment_score":0.19082815945148468},{"text":"We'd just be able to send you out the form, and they can make that change to remove that asset, and they'd switch it with an Australian equities index fund as a replacement, which is cheaper and a little less risky in terms of that.","start":142.42,"end":156.015,"sentiment":"neutral","sentiment_score":0.1751847003897031},{"text":"Yep.","start":156.235,"end":156.735,"sentiment":"neutral","sentiment_score":0.111827552318573}],"sentiment":"neutral","sentiment_score":0.11401124492347721,"num_words":93,"start":127.965004,"end":156.735},{"sentences":[{"text":"Otherwise, I could sort of, you know, go to advice and then sort of take a few weeks to be able to do the research, put together the document there as well, which is another option there for you.","start":156.795,"end":164.97,"sentiment":"neutral","sentiment_score":0.13016045227264747},{"text":"Just the record just the record of advice to change that investment?","start":171.85,"end":175.55,"sentiment":"neutral","sentiment_score":-0.06057604619612297},{"text":"Yeah.","start":179.625,"end":180.125,"sentiment":"neutral","sentiment_score":-0.0793362557888031},{"text":"Well yes.","start":180.425,"end":184.265,"sentiment":"neutral","sentiment_score":-0.13176296651363373},{"text":"So generally, you don't want to sort of sell low by high, but given what did happen with the fund, they've lost sort of consumer confidence in the fund itself, and they don't have conviction in it long term.","start":184.265,"end":193.08,"sentiment":"negative","sentiment_score":-0.3748000252705354}],"sentiment":"neutral","sentiment_score":-0.11409374290416317,"num_words":93,"start":156.795,"end":193.08},{"sentences":[{"text":"So they're just looking at removing that fund.","start":193.08,"end":194.68,"sentiment":"negative","sentiment_score":-0.382046714425087},{"text":"As far as, like, other ones when you do take a bit of a dive, there's a an AI sort of tech focused one with the cyber side of things that has taken a bit of a dip that they have con like, confidence in that long term that it will return.","start":194.68,"end":207.555,"sentiment":"neutral","sentiment_score":-0.13287680925658116},{"text":"It's just the AI sort of sector has taken a little bit of a dip in the past few months with the war as well.","start":207.555,"end":212.53499,"sentiment":"neutral","sentiment_score":-0.29755211174488067},{"text":"But given the rest of your portfolio is sort of propping it up, you're still getting nice returns.","start":214.275,"end":217.70999,"sentiment":"positive","sentiment_score":0.49723227322101593},{"text":"It's more than fine to maintain this, and let's sort of review it.","start":217.70999,"end":220.19,"sentiment":"positive","sentiment_score":0.6348087581304404}],"sentiment":"neutral","sentiment_score":-0.0017420329025079463,"num_words":116,"start":193.08,"end":220.19},{"sentences":[{"text":"You're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense.","start":220.19,"end":229.48999,"sentiment":"neutral","sentiment_score":0.29778987209539154},{"text":"Perfect.","start":234.315,"end":234.635,"sentiment":"positive","sentiment_score":0.5940108895301819},{"text":"And then within regards to if, you know, with the war, if it continue to go down in terms of, like, your portfolio by, like, 20 just with what is happening in the world, would you be sort of confident in sort of just holding it like you did through COVID to sort of weather those dips and wait for it to return?","start":234.635,"end":249.20999,"sentiment":"neutral","sentiment_score":0.10454746134697444},{"text":"Yeah.","start":255.925,"end":256.425,"sentiment":"neutral","sentiment_score":-0.011171001009643078},{"text":"Yeah.","start":257.365,"end":257.685,"sentiment":"neutral","sentiment_score":0.01065793912857771}],"sentiment":"neutral","sentiment_score":0.1766816811654174,"num_words":103,"start":220.19,"end":257.685},{"sentences":[{"text":"No.","start":257.685,"end":257.925,"sentiment":"neutral","sentiment_score":-0.006126968190073967},{"text":"That's that's fine.","start":257.925,"end":258.805,"sentiment":"neutral","sentiment_score":0.06863647947708766},{"text":"So with things like COVID, obviously, it was quite significant in terms of the effect it had on the markets.","start":258.805,"end":263.125,"sentiment":"neutral","sentiment_score":0.058891109004616735},{"text":"But in terms of, like, the markets, how they recovered, it did happen within a nice sort of period after that.","start":263.125,"end":268.47,"sentiment":"neutral","sentiment_score":0.12640564480707758},{"text":"If you were to sort of sell and then buy back in, you run the risk of, like, day trading where you're trying to, you know, sell sell high, buy low to try and reenter the market.","start":268.63,"end":276.63,"sentiment":"neutral","sentiment_score":0.06797465994148641}],"sentiment":"neutral","sentiment_score":0.07984372694045305,"num_words":82,"start":257.685,"end":276.63},{"sentences":[{"text":"But if you just stay invested during that time of the ups and downs, generally, you end up sort of on the up after a long a longer period of time anyway.","start":276.63,"end":283.85,"sentiment":"neutral","sentiment_score":0.11887179175391793},{"text":"So staying invested does sort of help, and it eliminates any sort of risk of sort of having to make those decisions of when to exit and enter the market, if that makes sense.","start":284.305,"end":291.845,"sentiment":"neutral","sentiment_score":0.20464692966026418},{"text":"Perfect.","start":294.865,"end":295.365,"sentiment":"neutral","sentiment_score":0.2434004843235016},{"text":"And then in regards to those times, did it make you sort of concerned at all during, like, COVID and things like that where your super did take a bit of a backward step or you weren't too concerned or not too?","start":296.145,"end":306.12,"sentiment":"neutral","sentiment_score":-0.010748161956490506},{"text":"Okay.","start":308.98,"end":309.48,"sentiment":"neutral","sentiment_score":-0.0303384717553854}],"sentiment":"neutral","sentiment_score":0.09566847413608974,"num_words":110,"start":276.63,"end":309.48},{"sentences":[{"text":"Not a problem.","start":309.54,"end":310.28,"sentiment":"neutral","sentiment_score":0.15024016797542572},{"text":"Okay.","start":318.51498,"end":319.01498,"sentiment":"neutral","sentiment_score":-0.07144555449485779},{"text":"Okay.","start":320.115,"end":320.595,"sentiment":"neutral","sentiment_score":0.08682921528816223},{"text":"Not a problem.","start":320.595,"end":321.415,"sentiment":"neutral","sentiment_score":0.2205925981203715},{"text":"And then as far to borrow, regard to borrowed money, are you sort of just happy you're sort of borrowing for a purchase of a home sort of in future?","start":322.035,"end":328.18,"sentiment":"neutral","sentiment_score":0.15108426325023175}],"sentiment":"neutral","sentiment_score":0.14895815412072758,"num_words":38,"start":309.54,"end":328.18},{"sentences":[{"text":"You don't really sort of look at investing anything other than property at the moment?","start":328.18,"end":331.47998,"sentiment":"neutral","sentiment_score":-0.0186648973574241},{"text":"Perfect.","start":336.515,"end":337.015,"sentiment":"positive","sentiment_score":0.4906954765319824},{"text":"So that does bring you out there as growth investors too, which is still at eighty twenty split.","start":337.075,"end":342.275,"sentiment":"neutral","sentiment_score":0.30254972560538185},{"text":"So that's more than fine to leave you in the portfolio and just make that record of advice change as per the investment committee's decision, which is fine.","start":342.275,"end":350.295,"sentiment":"neutral","sentiment_score":0.32952261556472096},{"text":"In regards to insurances, obviously, you have the IP, but you wanna get canceled.","start":350.38998,"end":354.55,"sentiment":"neutral","sentiment_score":-0.07283292710781097}],"sentiment":"neutral","sentiment_score":0.18241564912329378,"num_words":76,"start":328.18,"end":354.55},{"sentences":[{"text":"Obviously, you don't have the life TBD in trauma insurance at the moment.","start":354.55,"end":357.59,"sentiment":"neutral","sentiment_score":-0.18251318771105546},{"text":"As long as you're aware of, like, what they cover and the fact that you don't have them, that's more than fine to review in the future as well.","start":357.59,"end":363.75,"sentiment":"neutral","sentiment_score":-0.0004439387342025489},{"text":"We will touch on it each year, but you're fine sort of still not having, like, all types of insurance.","start":363.75,"end":368.585,"sentiment":"neutral","sentiment_score":-0.08158307988196611},{"text":"Yeah.","start":371.28497,"end":371.78497,"sentiment":"positive","sentiment_score":0.36879295110702515},{"text":"Perfect.","start":372.085,"end":372.585,"sentiment":"positive","sentiment_score":0.4396571218967438}],"sentiment":"neutral","sentiment_score":-0.05013683106517419,"num_words":64,"start":354.55,"end":372.585},{"sentences":[{"text":"And within regards to your ongoing service agreement there, Lauren, now I wasn't sort of prepared to do your annual review just because it was meant to just be a little ad hoc call there.","start":373.04498,"end":380.485,"sentiment":"neutral","sentiment_score":-0.024882552027702332},{"text":"So I do apologize for taking out more than your time you're expecting.","start":380.485,"end":384.46,"sentiment":"neutral","sentiment_score":-0.01128492045861024},{"text":"I I can get them to send out your annual review pack.","start":384.46,"end":387.18,"sentiment":"neutral","sentiment_score":0.22791423027714094},{"text":"Now within regards to that as well, it will have the ongoing service agreement.","start":387.18,"end":390.53998,"sentiment":"neutral","sentiment_score":0.14145406442029135},{"text":"Now that is if you are happy to stay with the service for another twelve months.","start":390.53998,"end":394.475,"sentiment":"neutral","sentiment_score":0.20435061398893595}],"sentiment":"neutral","sentiment_score":0.07741493557890257,"num_words":90,"start":373.04498,"end":394.475},{"sentences":[{"text":"I know you sort of did have some concerns previously and potentially wanted to, you know, maybe not be part of the service and was sort of thinking about it.","start":394.475,"end":401.11502,"sentiment":"neutral","sentiment_score":-0.23204962015151978},{"text":"It's important to note that, like, obviously, with you staying on at the moment, you'd be agreeing to stay on board as an Okie client.","start":401.11502,"end":407.43002,"sentiment":"neutral","sentiment_score":0.09429340347647668},{"text":"You'd be have all the services under Okie Financial and their services they provide.","start":407.43002,"end":411.61002,"sentiment":"neutral","sentiment_score":0.08033950972769942},{"text":"And then with that, based on the fee at the moment, it'd be looking at around sort of 1,500 for the next twelve months in terms of a fee based on your current balance.","start":411.83002,"end":421.125,"sentiment":"neutral","sentiment_score":0.030131177593241718},{"text":"But I just charge monthly if you ever did feel like you weren't getting enough out of service or did wanna move on as well.","start":421.605,"end":426.085,"sentiment":"neutral","sentiment_score":0.15243881285190583}],"sentiment":"neutral","sentiment_score":0.010593984203296714,"num_words":128,"start":394.475,"end":426.085},{"sentences":[{"text":"It's not a lock in contract.","start":426.085,"end":427.205,"sentiment":"neutral","sentiment_score":0.07764109596610069},{"text":"So as long as you're happy and sort of happy with how things are going, fantastic.","start":427.205,"end":430.185,"sentiment":"positive","sentiment_score":0.58310173638165},{"text":"If ever you did wanna make some changes, you're not stuck.","start":430.485,"end":432.885,"sentiment":"neutral","sentiment_score":0.16826283423738045},{"text":"You're not holding your will.","start":432.885,"end":434.005,"sentiment":"neutral","sentiment_score":0.026482993364334108},{"text":"If it's something that you personally decide, we'll assist you on your way out.","start":434.005,"end":437.78,"sentiment":"neutral","sentiment_score":0.23516536663685525}],"sentiment":"neutral","sentiment_score":0.28982876219715065,"num_words":52,"start":426.085,"end":437.78},{"sentences":[{"text":"You don't have to start dodging our phone calls and things like that as well.","start":437.78,"end":440.76,"sentiment":"neutral","sentiment_score":0.008815621087948481},{"text":"Obviously, you know well well okay.","start":440.82,"end":448.58002,"sentiment":"neutral","sentiment_score":-0.11342684676249822},{"text":"Not a problem.","start":448.58002,"end":449.40002,"sentiment":"neutral","sentiment_score":-0.039314319690068565},{"text":"Right.","start":451.845,"end":452.345,"sentiment":"neutral","sentiment_score":0.11220771074295044},{"text":"Obviously, we're always happy to get some feedback.","start":452.565,"end":454.48502,"sentiment":"neutral","sentiment_score":0.2861943133175373}],"sentiment":"neutral","sentiment_score":0.05259068163506912,"num_words":33,"start":437.78,"end":454.48502},{"sentences":[{"text":"So if ever you do wanna leave a sort of review on sort of how we could improve, I'll give you some feedback information.","start":454.48502,"end":459.305,"sentiment":"neutral","sentiment_score":0.22721743894120058},{"text":"That's more than fine as well.","start":459.765,"end":461.125,"sentiment":"positive","sentiment_score":0.49052976568539935},{"text":"We're happy for that.","start":461.125,"end":462.345,"sentiment":"positive","sentiment_score":0.7009061276912689},{"text":"Within regards to you wanting to purchase a home with that money as well, we do have access to some mortgage brokers here that I could refer you on to once you sort of do receive that inheritance.","start":463.31998,"end":471.74,"sentiment":"neutral","sentiment_score":0.16099019446655324},{"text":"So, you know, you might oh, sorry?","start":471.8,"end":474.06,"sentiment":"neutral","sentiment_score":0.02564527905945267}],"sentiment":"neutral","sentiment_score":0.22148311370394275,"num_words":79,"start":454.48502,"end":474.06},{"sentences":[{"text":"Yeah.","start":481.495,"end":481.815,"sentiment":"neutral","sentiment_score":0.04696685075759888},{"text":"Well, the way mortgage brokers are paid generally anyway, they do get their commissions from, like, the loans they set up with the providers anyway.","start":481.815,"end":488.775,"sentiment":"neutral","sentiment_score":0.09204205349087716},{"text":"Only sort of certain fee would charge you, like, an additional fee.","start":488.775,"end":491.79,"sentiment":"neutral","sentiment_score":-0.016397150388608377},{"text":"But we do have trusted partners here that we can sort of refer you on to.","start":491.79,"end":495.15,"sentiment":"neutral","sentiment_score":0.05187290674075484},{"text":"There is an in house one, but given that, he does get a little bit busy.","start":495.15,"end":498.75,"sentiment":"neutral","sentiment_score":0.03326690278481692}],"sentiment":"neutral","sentiment_score":0.050192704796791075,"num_words":70,"start":481.495,"end":498.75},{"sentences":[{"text":"So we also have some trusted partners we can pass you along to to have that discussion as well to assist you in your sort of lending needs as well and sort of your serviceability and things like that.","start":498.75,"end":508.215,"sentiment":"neutral","sentiment_score":0.09954967750952794},{"text":"Would you like sort of just to wait until you get the inheritance and then sort of start the process?","start":511.47498,"end":517.58,"sentiment":"neutral","sentiment_score":0.04896535389125347},{"text":"Because they do move quite quickly in terms of, like, once they do have your details, they do give you a call and things like that as well.","start":517.58,"end":522.7,"sentiment":"neutral","sentiment_score":0.07375119466866766},{"text":"Are you happy to reach out once you yeah.","start":522.7,"end":525.10004,"sentiment":"neutral","sentiment_score":0.09589500808053547},{"text":"Not a problem.","start":525.10004,"end":525.92004,"sentiment":"neutral","sentiment_score":0.049775730818510056}],"sentiment":"neutral","sentiment_score":0.08019353754141113,"num_words":99,"start":498.75,"end":525.92004},{"sentences":[{"text":"Yep.","start":529.83496,"end":530.33496,"sentiment":"neutral","sentiment_score":-0.06696584820747375},{"text":"Look.","start":541.05,"end":541.21,"sentiment":"neutral","sentiment_score":-0.05960965156555176},{"text":"It's it's not not really in terms of, like, having the money there and sort of where you are financially.","start":541.21,"end":546.27,"sentiment":"neutral","sentiment_score":-0.09167129918932915},{"text":"As long as you sort of have it there, it's an offensive portion.","start":546.49,"end":549.47,"sentiment":"neutral","sentiment_score":-0.1422864399277247},{"text":"With the way the markets are anyway, if you were to invest it, the walk could go on for another to twelve months, and it could sort of take a bit of a dive, and interest rates sort of keep going up.","start":549.52997,"end":557.805,"sentiment":"neutral","sentiment_score":-0.06346148261356921}],"sentiment":"neutral","sentiment_score":-0.08409230483623294,"num_words":77,"start":529.83496,"end":557.805},{"sentences":[{"text":"So one thing to be mindful of is, you know, you know, you could do some now and sort of wait and sort of see the next interest rise as well, what that looks like.","start":557.805,"end":564.865,"sentiment":"neutral","sentiment_score":-0.013523875549435616},{"text":"In terms of that, if it's whether you do term deposit, things like that, because, obviously, interest rate did jump up again the other day.","start":565.005,"end":571.29004,"sentiment":"neutral","sentiment_score":0.033797682002186774},{"text":"So you would get a little bit more for it sitting there, which is something there.","start":571.51,"end":575.21,"sentiment":"neutral","sentiment_score":0.01840166258625686},{"text":"In terms of what next there, Lauren, so they will organize that annual review pack for you.","start":576.07,"end":580.79004,"sentiment":"neutral","sentiment_score":0.09195815892342259},{"text":"We'll include that ongoing service agreement.","start":580.79004,"end":582.57,"sentiment":"neutral","sentiment_score":0.09123236848972738}],"sentiment":"neutral","sentiment_score":0.02804763555395031,"num_words":99,"start":557.805,"end":582.57},{"sentences":[{"text":"Maybe a few other documents in terms of, like, your twelve month report, your certificate of currency as well.","start":582.98505,"end":587.54504,"sentiment":"neutral","sentiment_score":0.035364616760297826},{"text":"Just fill that churn just for now, and then I'll get them to organize the forms for you there to be able to cancel that policy for you.","start":587.54504,"end":594.9,"sentiment":"neutral","sentiment_score":0.01377016119658947},{"text":"And then once all sort of that's signed, they'll still follow-up on the beneficiary forms.","start":597.46,"end":600.74005,"sentiment":"neutral","sentiment_score":0.13087079674005508},{"text":"They'll get that sent out and then also your change of detail forms there as well.","start":600.74005,"end":604.68005,"sentiment":"neutral","sentiment_score":0.12119551468640566},{"text":"But is there anything that I haven't covered today that you wanna have a conversation about, Lauren?","start":606.02,"end":610.41504,"sentiment":"neutral","sentiment_score":0.16746829055687962}],"sentiment":"neutral","sentiment_score":0.08217519323684667,"num_words":95,"start":582.98505,"end":610.41504},{"sentences":[{"text":"Any concerns, questions, queries about the ongoing service agreement?","start":610.41504,"end":613.935,"sentiment":"neutral","sentiment_score":0.059918108499712415},{"text":"What your sort of fees or anything like that?","start":613.935,"end":615.875,"sentiment":"neutral","sentiment_score":0.021394658005899854},{"text":"Yeah.","start":633.96497,"end":634.46497,"sentiment":"neutral","sentiment_score":-0.0011396333575248718},{"text":"That's more of yep.","start":650.78,"end":654.06,"sentiment":"neutral","sentiment_score":-0.02962849009782076},{"text":"And then with that too, given that your brother sort of isn't a dependent on the Syslaw as well, it might not be a valid nomination at the time if anything was to occur.","start":654.06,"end":661.955,"sentiment":"neutral","sentiment_score":-0.13428447110687985}],"sentiment":"neutral","sentiment_score":-0.0693598370672318,"num_words":57,"start":610.41504,"end":661.955},{"sentences":[{"text":"Just because he's not a dependent, he doesn't rely on you financially, things like that.","start":662.015,"end":665.61505,"sentiment":"neutral","sentiment_score":-0.051570556312799457},{"text":"You can try and prove interdependency where you do sort of provide financial, emotional support, things like that.","start":665.61505,"end":670.53,"sentiment":"neutral","sentiment_score":-0.012975712772458792},{"text":"But it's a lot, lot harder to prove, and they still might decide that it's not at the time of claim.","start":670.85004,"end":675.51,"sentiment":"neutral","sentiment_score":-0.26406248978206087},{"text":"So given if you do wanna leave down family members, things like that, you can leave it to a legal person representative, which does fall to your state, and then that's where a will comes into place and things like that as well, if that makes sense.","start":675.97003,"end":686.84503,"sentiment":"neutral","sentiment_score":0.02740849223621982},{"text":"Obviously, you know, if you don't have anyone, you wanna put your brother and you don't have anyone else, you don't wanna leave it to the estate, you can do it.","start":688.825,"end":695.82,"sentiment":"neutral","sentiment_score":0.0116828243218122}],"sentiment":"neutral","sentiment_score":-0.0371368694768259,"num_words":132,"start":662.015,"end":695.82},{"sentences":[{"text":"It sort of might just be a bit more of a logistical nightmare come you know, if something was to happen.","start":695.82,"end":700.86005,"sentiment":"neutral","sentiment_score":-0.12644442454690025},{"text":"But, you know, the chances are that you're probably gonna live a long, healthy life, and you might have a partner, things like that down the track, and you might change it anyway before anything does happen.","start":700.86005,"end":709.10004,"sentiment":"neutral","sentiment_score":0.14149403330442067},{"text":"It's just something to be mindful of.","start":709.10004,"end":710.895,"sentiment":"neutral","sentiment_score":0.004471871303394437},{"text":"No problem, Lauren.","start":715.455,"end":716.435,"sentiment":"neutral","sentiment_score":0.21918396651744843},{"text":"Anything else you wanna chat with me about before I let you go?","start":716.495,"end":719.155,"sentiment":"neutral","sentiment_score":0.06866838238560237}],"sentiment":"neutral","sentiment_score":0.051376423289723416,"num_words":81,"start":695.82,"end":719.155},{"sentences":[{"text":"No problem.","start":723.31,"end":723.87,"sentiment":"neutral","sentiment_score":0.07156756892800331},{"text":"Yeah.","start":723.87,"end":724.02997,"sentiment":"neutral","sentiment_score":0.006993718445301056},{"text":"I thought I'd try and get it out of the way.","start":724.02997,"end":725.23,"sentiment":"neutral","sentiment_score":-0.12359060008417476},{"text":"So we're not bugging you in a few weeks time to try and get it done for you.","start":725.23,"end":728.76996,"sentiment":"neutral","sentiment_score":-0.021110896435048845},{"text":"Given there is a bit busy, I'll try and sort of get them to try and get it sorted in the next sort of this week with those forms and everything.","start":730.35,"end":736.245,"sentiment":"neutral","sentiment_score":-0.04815669922578719}],"sentiment":"neutral","sentiment_score":-0.04892415168976027,"num_words":63,"start":723.31,"end":736.245},{"sentences":[{"text":"There are a few things left together for that one.","start":736.245,"end":737.84503,"sentiment":"neutral","sentiment_score":-0.1224705770611763},{"text":"So I do apologize if it takes a little bit for those to come out.","start":737.84503,"end":740.085,"sentiment":"neutral","sentiment_score":-0.15534976969162623},{"text":"But, obviously, in regards to the insurances, it's, like, paid already, and the amount that will like, is remaining on the policy will get rebated to your account.","start":740.085,"end":749.125,"sentiment":"neutral","sentiment_score":0.04546940590496108},{"text":"Whatever is left, it's just proportionated.","start":749.125,"end":750.66504,"sentiment":"neutral","sentiment_score":0.08726154640316963},{"text":"So, hopefully, we can get that sorted for you, and you might get a little bit of a refund back in your account.","start":751.41,"end":755.17,"sentiment":"neutral","sentiment_score":0.2208624044838159}],"sentiment":"neutral","sentiment_score":0.040507263791457776,"num_words":82,"start":736.245,"end":755.17},{"sentences":[{"text":"But I'm not too sure what that is depending on when the policy was paid for.","start":755.17,"end":758.70996,"sentiment":"neutral","sentiment_score":-0.13274436816573143},{"text":"No problem, Lauren.","start":761.64996,"end":762.45,"sentiment":"positive","sentiment_score":0.39098437627156574},{"text":"Well, thanks for your time today.","start":762.45,"end":763.49,"sentiment":"positive","sentiment_score":0.6690473854541779},{"text":"You enjoy the rest of your day.","start":763.49,"end":764.805,"sentiment":"positive","sentiment_score":0.5785803411688123},{"text":"Hopefully, stay out of the rain and the dog's having a nice time.","start":764.805,"end":767.625,"sentiment":"positive","sentiment_score":0.6064836451640496}],"sentiment":"neutral","sentiment_score":0.33328171836005316,"num_words":45,"start":755.17,"end":767.625},{"sentences":[{"text":"No.","start":778.1909,"end":778.5109,"sentiment":"neutral","sentiment_score":-0.0014229044318199158},{"text":"Not a problem at all.","start":778.5109,"end":779.47095,"sentiment":"neutral","sentiment_score":0.16503900289535522},{"text":"Well, good luck with that.","start":779.47095,"end":780.4309,"sentiment":"positive","sentiment_score":0.5037143468856812},{"text":"We'll talk soon.","start":780.4309,"end":781.0709,"sentiment":"neutral","sentiment_score":0.3131236632664998},{"text":"Yeah.","start":781.0709,"end":781.5709,"sentiment":"neutral","sentiment_score":0.27157288789749146}],"sentiment":"neutral","sentiment_score":0.30355251481135687,"num_words":15,"start":778.1909,"end":781.5709},{"sentences":[{"text":"See you.","start":783.0709,"end":783.3109,"sentiment":"neutral","sentiment_score":0.25907259434461594},{"text":"Bye.","start":783.3109,"end":783.8109,"sentiment":"neutral","sentiment_score":-0.11636552214622498}],"sentiment":"neutral","sentiment_score":0.13392655551433563,"num_words":3,"start":783.0709,"end":783.8109}]}}]},{"alternatives":[{"transcript":"Hi. Sorry. I don't know what happened. It just started raining, and then the cold dropped out. But anyway. Yeah. Sorry. I thought I tried to call your office, and they're on hold. Hopefully, they just hang up. I tried to call you back, and then you called me back, and now it just says that I've got them on hold. So I don't know if I'm just playing music to them or what. I can't just hang up. Alright. Cool. Sorry. Continue. Yeah. Sure. So Lauren Courtney Thomas. My birthday is the '93, and my address is 109 Prince Road, New Jersey. Okay. Okay. Yep. Yep. Okay. Yeah. Okay. Yep. Yeah. Maybe the middle one that you the middle option. Sorry. Is that what you're doing with? Yeah. I think so. Would is that is that I'd like if they're losing money, then just probably get rid of them. Is that how it works? Okay. Yeah. Yeah. Yeah. That makes sense. Yep. Yep. That sounds good. Yeah. I guess so. I don't I don't know. Would you? I don't know about any of this stuff. Yep. Yeah. That makes sense. Yeah. Yeah. I was saving. No. No. I I don't think I knew anything about my super at that point in time, to be honest. I think I had it in three different accounts, and I think that's why you guys contacted me in the in the first place because it had a high risk super. So no. I wasn't worried about it then. Yeah. Yep. Yep. That would be the only thing I did with us. Yeah. Or borrow for. Sorry. Yep. Yep. Yeah. Yeah. Yes. Yep. That's good. No. That's okay. It's fine. Mhmm. Yep. Yes. I only do that I only do that because I'm terrible at answering my phone, not because I'm trying to get rid of you. I'm just terrible with my phone. So yeah. Yep. Uh-huh. Oh, no. That's good. That was gonna be my next question. Like, with the money that I'm paying for you guys, that includes a mortgage broker? Yeah. Yeah. Perfect. That sounds great. Thank you. Keeps you nice. Yeah. I'll I'll wait. I'll wait. It's just it's taking so much longer than I thought already. So I don't know how much longer I'm gonna be waiting, and that's why I'm thinking of just renting for twelve months and putting it into a 100 and just stay, but until know what's going on even though that sounds like a terrible financial choice. But Yes. Yep. Okay. Yep. Okay. Yep. Perfect. No. No. That's all good. I think it's covered most of it. So, no, that's that's good. I don't know what happened to those rooms because I remember putting my brother down, and I remember my mom witnessing it and stuff. So I don't know. Like, she had them at her house because that's my address. Like, that's my stable address, if that makes sense. So they got posted there, and I went down to Victoria after Christmas a million. So I filled them all out. I thought that they got sent off. She was gonna do it for me. So I might just check-in with her and see if she definitely did or yeah. Anyway so I don't know what happened there, but yeah. We'll see if I can track them down. Otherwise, I'll fill them out again. Yep. Yes. Oh, okay. Yeah. Yeah. That makes sense. Yep. Yeah. Yeah. Okay. Perfect. Alright. It's good to know. Thank you. No. That's all good for now. Thank you for doing that at the same time. Yep. Okay. No worries. Thank you. Perfect. Thank you. I know he's barking every other dog we see. So it's it's having a nice time, but it's just not the best of the week, to be honest. Anyway yeah. Thank you. Thanks. See you. 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Sorry. I don't know what happened. It just started raining, and then the cold dropped out. But anyway.\n\nYeah. Sorry. I thought I tried to call your office, and they're on hold. Hopefully, they just hang up. I tried to call you back, and then you called me back, and now it just says that I've got them on hold.\n\nSo I don't know if I'm just playing music to them or what. I can't just hang up. Alright. Cool. Sorry.\n\nContinue. Yeah. Sure. So Lauren Courtney Thomas. My birthday is the '93, and my address is 109 Prince Road, New Jersey.\n\nOkay. Okay. Yep. Yep. Okay.\n\nYeah. Okay. Yep. Yeah. Maybe the middle one that you the middle option.\n\nSorry. Is that what you're doing with? Yeah. I think so. Would is that is that I'd like if they're losing money, then just probably get rid of them.\n\nIs that how it works? Okay. Yeah. Yeah. Yeah.\n\nThat makes sense. Yep. Yep. That sounds good. Yeah.\n\nI guess so. I don't I don't know. Would you? I don't know about any of this stuff. Yep.\n\nYeah. That makes sense. Yeah. Yeah. I was saving.\n\nNo. No. I I don't think I knew anything about my super at that point in time, to be honest. I think I had it in three different accounts, and I think that's why you guys contacted me in the in the first place because it had a high risk super. So no.\n\nI wasn't worried about it then. Yeah. Yep. Yep. That would be the only thing I did with us.\n\nYeah. Or borrow for. Sorry. Yep. Yep.\n\nYeah. Yeah. Yes. Yep. That's good.\n\nNo. That's okay. It's fine. Mhmm. Yep.\n\nYes. I only do that I only do that because I'm terrible at answering my phone, not because I'm trying to get rid of you. I'm just terrible with my phone. So yeah. Yep.\n\nUh-huh. Oh, no. That's good. That was gonna be my next question. Like, with the money that I'm paying for you guys, that includes a mortgage broker?\n\nYeah. Yeah. Perfect. That sounds great. Thank you.\n\nKeeps you nice. Yeah. I'll I'll wait. I'll wait. It's just it's taking so much longer than I thought already.\n\nSo I don't know how much longer I'm gonna be waiting, and that's why I'm thinking of just renting for twelve months and putting it into a 100 and just stay, but until know what's going on even though that sounds like a terrible financial choice. But Yes. Yep. Okay. Yep.\n\nOkay. Yep. Perfect. No. No.\n\nThat's all good. I think it's covered most of it. So, no, that's that's good. I don't know what happened to those rooms because I remember putting my brother down, and I remember my mom witnessing it and stuff. So I don't know.\n\nLike, she had them at her house because that's my address. Like, that's my stable address, if that makes sense. So they got posted there, and I went down to Victoria after Christmas a million. So I filled them all out. I thought that they got sent off.\n\nShe was gonna do it for me. So I might just check-in with her and see if she definitely did or yeah. Anyway so I don't know what happened there, but yeah. We'll see if I can track them down. Otherwise, I'll fill them out again.\n\nYep. Yes. Oh, okay. Yeah. Yeah.\n\nThat makes sense. Yep. Yeah. Yeah. Okay.\n\nPerfect. Alright. It's good to know. Thank you. No.\n\nThat's all good for now. Thank you for doing that at the same time. Yep. Okay. No worries.\n\nThank you. Perfect. Thank you. I know he's barking every other dog we see. So it's it's having a nice time, but it's just not the best of the week, to be honest.\n\nAnyway yeah. Thank you. Thanks. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":-0.04408645257353783},{"text":"Sorry.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.1830051839351654},{"text":"I don't know what happened.","start":3.12,"end":4.34,"sentiment":"neutral","sentiment_score":-0.3292918145656586},{"text":"It just started raining, and then the cold dropped out.","start":4.72,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.3093907132744789},{"text":"But anyway.","start":7.3599997,"end":8.27,"sentiment":"neutral","sentiment_score":-0.08339544385671616}],"sentiment":"neutral","sentiment_score":-0.27022361735764305,"num_words":19,"start":0.96,"end":8.27},{"sentences":[{"text":"Yeah.","start":19.164999,"end":19.404999,"sentiment":"neutral","sentiment_score":-0.11249280720949172},{"text":"Sorry.","start":19.404999,"end":19.805,"sentiment":"neutral","sentiment_score":-0.219903826713562},{"text":"I thought I tried to call your office, and they're on hold.","start":19.805,"end":23.744999,"sentiment":"neutral","sentiment_score":-0.30524584899346036},{"text":"Hopefully, they just hang up.","start":23.805,"end":24.925,"sentiment":"negative","sentiment_score":-0.33785623908042905},{"text":"I tried to call you back, and then you called me back, and now it just says that I've got them on hold.","start":24.925,"end":29.76,"sentiment":"neutral","sentiment_score":-0.1851421393778013}],"sentiment":"neutral","sentiment_score":-0.2367356481651465,"num_words":42,"start":19.164999,"end":29.76},{"sentences":[{"text":"So I don't know if I'm just playing music to them or what.","start":29.76,"end":33.12,"sentiment":"neutral","sentiment_score":-0.26105068967892575},{"text":"I can't just hang up.","start":33.12,"end":33.84,"sentiment":"neutral","sentiment_score":-0.25372996032238004},{"text":"Alright.","start":33.84,"end":34.08,"sentiment":"neutral","sentiment_score":0.03765810281038284},{"text":"Cool.","start":34.08,"end":34.4,"sentiment":"neutral","sentiment_score":0.03618610650300979},{"text":"Sorry.","start":34.4,"end":34.72,"sentiment":"neutral","sentiment_score":-0.011434674263000488}],"sentiment":"neutral","sentiment_score":-0.21904282058988297,"num_words":21,"start":29.76,"end":34.72},{"sentences":[{"text":"Continue.","start":34.72,"end":35.22,"sentiment":"neutral","sentiment_score":0.014284156262874603},{"text":"Yeah.","start":44.395,"end":44.715,"sentiment":"neutral","sentiment_score":0.09567906707525252},{"text":"Sure.","start":44.715,"end":44.955,"sentiment":"neutral","sentiment_score":0.09541302919387816},{"text":"So Lauren Courtney Thomas.","start":44.955,"end":47.055,"sentiment":"neutral","sentiment_score":0.07441675662994385},{"text":"My birthday is the '93, and my address is 109 Prince Road, New Jersey.","start":47.435,"end":54.175,"sentiment":"neutral","sentiment_score":0.08650269199694906}],"sentiment":"neutral","sentiment_score":0.08162290319090798,"num_words":21,"start":34.72,"end":54.175},{"sentences":[{"text":"Okay.","start":110.845,"end":111.345,"sentiment":"neutral","sentiment_score":-0.061424460262060165},{"text":"Okay.","start":123.13,"end":123.61,"sentiment":"neutral","sentiment_score":-0.04467352107167244},{"text":"Yep.","start":123.61,"end":124.11,"sentiment":"neutral","sentiment_score":-0.07766598463058472},{"text":"Yep.","start":138.945,"end":139.445,"sentiment":"neutral","sentiment_score":0.12013660371303558},{"text":"Okay.","start":154.31,"end":154.55,"sentiment":"neutral","sentiment_score":0.08768478035926819}],"sentiment":"neutral","sentiment_score":0.00481148362159729,"num_words":5,"start":110.845,"end":154.55},{"sentences":[{"text":"Yeah.","start":154.55,"end":154.87,"sentiment":"neutral","sentiment_score":0.066175177693367},{"text":"Okay.","start":154.87,"end":155.19,"sentiment":"neutral","sentiment_score":0.06713183224201202},{"text":"Yep.","start":155.19,"end":155.69,"sentiment":"neutral","sentiment_score":0.08304288983345032},{"text":"Yeah.","start":165.525,"end":166.025,"sentiment":"neutral","sentiment_score":0.04308271408081055},{"text":"Maybe the middle one that you the middle option.","start":167.765,"end":170.485,"sentiment":"neutral","sentiment_score":0.023607789021399286}],"sentiment":"neutral","sentiment_score":0.036300208849402577,"num_words":13,"start":154.55,"end":170.485},{"sentences":[{"text":"Sorry.","start":170.485,"end":170.985,"sentiment":"neutral","sentiment_score":-0.03141407668590546},{"text":"Is that what you're doing with?","start":171.62001,"end":173.24,"sentiment":"neutral","sentiment_score":-0.03893204964697361},{"text":"Yeah.","start":176.02,"end":176.5,"sentiment":"neutral","sentiment_score":-0.009553497657179832},{"text":"I think so.","start":176.5,"end":177.3,"sentiment":"neutral","sentiment_score":-0.02313424212237199},{"text":"Would is that is that I'd like if they're losing money, then just probably get rid of 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sense.","start":230.33,"end":230.97,"sentiment":"neutral","sentiment_score":0.22417878607908884},{"text":"Yep.","start":230.97,"end":231.29,"sentiment":"neutral","sentiment_score":0.25677311420440674},{"text":"Yep.","start":231.29,"end":231.61,"sentiment":"positive","sentiment_score":0.33335375785827637},{"text":"That sounds good.","start":231.61,"end":232.59,"sentiment":"positive","sentiment_score":0.612258513768514},{"text":"Yeah.","start":251.875,"end":252.195,"sentiment":"neutral","sentiment_score":0.008233615197241306}],"sentiment":"positive","sentiment_score":0.3452969318669703,"num_words":9,"start":230.33,"end":252.195},{"sentences":[{"text":"I guess so.","start":252.195,"end":252.915,"sentiment":"neutral","sentiment_score":0.0014686246092120807},{"text":"I don't I don't know.","start":252.915,"end":254.115,"sentiment":"neutral","sentiment_score":-0.040394775196909906},{"text":"Would you?","start":254.115,"end":254.855,"sentiment":"neutral","sentiment_score":-0.03219395875930786},{"text":"I don't know about any of this stuff.","start":255.29001,"end":257.07,"sentiment":"neutral","sentiment_score":-0.034066229476593435},{"text":"Yep.","start":284.52,"end":285.02,"sentiment":"neutral","sentiment_score":0.3061949908733368}],"sentiment":"neutral","sentiment_score":-0.0120153034007863,"num_words":19,"start":252.195,"end":285.02},{"sentences":[{"text":"Yeah.","start":291.96,"end":292.28,"sentiment":"neutral","sentiment_score":0.1227334514260292},{"text":"That makes sense.","start":292.28,"end":292.91998,"sentiment":"neutral","sentiment_score":0.12282940745353699},{"text":"Yeah.","start":292.91998,"end":293.03497,"sentiment":"neutral","sentiment_score":0.11405973136425018},{"text":"Yeah.","start":293.03497,"end":293.15,"sentiment":"neutral","sentiment_score":0.13802798092365265},{"text":"I was 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no.","start":317.62997,"end":318.27,"sentiment":"neutral","sentiment_score":-0.06166741065680981}],"sentiment":"neutral","sentiment_score":-0.05890820925739014,"num_words":53,"start":304.435,"end":318.27},{"sentences":[{"text":"I wasn't worried about it then.","start":318.27,"end":319.72998,"sentiment":"neutral","sentiment_score":-0.10917909567554791},{"text":"Yeah.","start":328.855,"end":329.355,"sentiment":"neutral","sentiment_score":-0.02086128480732441},{"text":"Yep.","start":331.57498,"end":332.055,"sentiment":"neutral","sentiment_score":0.04871828109025955},{"text":"Yep.","start":332.055,"end":332.215,"sentiment":"neutral","sentiment_score":0.06610222160816193},{"text":"That would be the only thing I did with 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yeah.","start":450.365,"end":460.63,"sentiment":"neutral","sentiment_score":0.2672789767384529},{"text":"Yep.","start":462.61002,"end":463.11002,"sentiment":"neutral","sentiment_score":0.19984208047389984}],"sentiment":"neutral","sentiment_score":-0.19926195986130657,"num_words":34,"start":430.94,"end":463.11002},{"sentences":[{"text":"Uh-huh.","start":472.315,"end":472.815,"sentiment":"neutral","sentiment_score":0.059965815395116806},{"text":"Oh, no.","start":474.555,"end":474.955,"sentiment":"neutral","sentiment_score":0.05430636368691921},{"text":"That's good.","start":474.955,"end":475.35498,"sentiment":"neutral","sentiment_score":0.20072504878044128},{"text":"That was gonna be my next question.","start":475.35498,"end":476.79498,"sentiment":"neutral","sentiment_score":0.05470495671033859},{"text":"Like, with the money that I'm paying for you guys, that includes a mortgage 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all good.","start":616.81,"end":617.79,"sentiment":"neutral","sentiment_score":0.274572675426801},{"text":"I think it's covered most of it.","start":618.41,"end":620.08997,"sentiment":"neutral","sentiment_score":0.2888831411089216},{"text":"So, no, that's that's good.","start":620.08997,"end":621.52997,"sentiment":"neutral","sentiment_score":0.24695741832256318},{"text":"I don't know what happened to those rooms because I remember putting my brother down, and I remember my mom witnessing it and stuff.","start":621.52997,"end":627.12994,"sentiment":"neutral","sentiment_score":-0.13143911181638637},{"text":"So I don't know.","start":627.12994,"end":628.645,"sentiment":"neutral","sentiment_score":-0.12924357131123543}],"sentiment":"neutral","sentiment_score":0.009515677600405937,"num_words":43,"start":616.81,"end":628.645},{"sentences":[{"text":"Like, she had them at her house because that's my address.","start":628.645,"end":631.925,"sentiment":"neutral","sentiment_score":-0.06136670369993557},{"text":"Like, that's my stable address, if that makes sense.","start":631.925,"end":634.16504,"sentiment":"neutral","sentiment_score":-0.06198653785718812},{"text":"So they got posted there, and I went down to Victoria after Christmas a million.","start":634.16504,"end":638.72504,"sentiment":"neutral","sentiment_score":0.0023024385174115498},{"text":"So I filled them all out.","start":638.72504,"end":640.405,"sentiment":"neutral","sentiment_score":0.012573178857564926},{"text":"I thought that they got sent off.","start":640.405,"end":641.925,"sentiment":"neutral","sentiment_score":-0.07808845490217209}],"sentiment":"neutral","sentiment_score":-0.03478241905880471,"num_words":48,"start":628.645,"end":641.925},{"sentences":[{"text":"She was gonna do it for me.","start":641.925,"end":643.125,"sentiment":"neutral","sentiment_score":0.04525053447910717},{"text":"So I might just check-in with her and see if she definitely did or yeah.","start":643.125,"end":647.26,"sentiment":"neutral","sentiment_score":-0.02588645853102207},{"text":"Anyway so I don't know what happened there, but yeah.","start":647.26,"end":650.3,"sentiment":"neutral","sentiment_score":-0.10812702476978302},{"text":"We'll see if I can track them down.","start":650.3,"end":651.66,"sentiment":"neutral","sentiment_score":-0.02159957808908075},{"text":"Otherwise, I'll fill them out again.","start":651.66,"end":653.27997,"sentiment":"neutral","sentiment_score":-0.028167278195420902}],"sentiment":"neutral","sentiment_score":-0.03249160169988223,"num_words":46,"start":641.925,"end":653.27997},{"sentences":[{"text":"Yep.","start":662.65497,"end":663.15497,"sentiment":"neutral","sentiment_score":-0.027235660701990128},{"text":"Yes.","start":670.33496,"end":670.83496,"sentiment":"neutral","sentiment_score":-0.0859273374080658},{"text":"Oh, okay.","start":676.3,"end":677.2,"sentiment":"neutral","sentiment_score":-0.046149520203471184},{"text":"Yeah.","start":687.18,"end":687.42,"sentiment":"neutral","sentiment_score":0.1028255894780159},{"text":"Yeah.","start":687.42,"end":687.66,"sentiment":"neutral","sentiment_score":0.14361751079559326}],"sentiment":"neutral","sentiment_score":0.006830176959435145,"num_words":6,"start":662.65497,"end":687.66},{"sentences":[{"text":"That makes sense.","start":687.66,"end":688.38,"sentiment":"neutral","sentiment_score":0.18679593006769815},{"text":"Yep.","start":688.38,"end":688.88,"sentiment":"neutral","sentiment_score":0.15722571313381195},{"text":"Yeah.","start":711.64,"end":711.96,"sentiment":"neutral","sentiment_score":0.1002359539270401},{"text":"Yeah.","start":711.96,"end":712.27997,"sentiment":"neutral","sentiment_score":0.1334575712680817},{"text":"Okay.","start":712.27997,"end":712.68,"sentiment":"neutral","sentiment_score":0.27101194858551025}],"sentiment":"neutral","sentiment_score":0.17461699673107692,"num_words":7,"start":687.66,"end":712.68},{"sentences":[{"text":"Perfect.","start":712.68,"end":713.16,"sentiment":"positive","sentiment_score":0.5267715454101562},{"text":"Alright.","start":713.16,"end":713.56,"sentiment":"positive","sentiment_score":0.5370297431945801},{"text":"It's good to know.","start":713.56,"end":714.36,"sentiment":"positive","sentiment_score":0.6218415051698685},{"text":"Thank you.","start":714.36,"end":715.18,"sentiment":"positive","sentiment_score":0.583560585975647},{"text":"No.","start":719.655,"end":719.815,"sentiment":"neutral","sentiment_score":0.09283937513828278}],"sentiment":"positive","sentiment_score":0.5345697618193097,"num_words":9,"start":712.68,"end":719.815},{"sentences":[{"text":"That's all good for now.","start":719.815,"end":720.85504,"sentiment":"neutral","sentiment_score":0.24696770310401917},{"text":"Thank you for doing that at the same time.","start":720.85504,"end":722.715,"sentiment":"positive","sentiment_score":0.4241897099547916},{"text":"Yep.","start":759.23,"end":759.63,"sentiment":"neutral","sentiment_score":0.052435241639614105},{"text":"Okay.","start":759.63,"end":760.02997,"sentiment":"neutral","sentiment_score":0.10697448253631592},{"text":"No worries.","start":760.02997,"end":760.67,"sentiment":"neutral","sentiment_score":0.16926927119493484}],"sentiment":"neutral","sentiment_score":0.3083607873155011,"num_words":18,"start":719.815,"end":760.67},{"sentences":[{"text":"Thank you.","start":760.67,"end":761.41,"sentiment":"positive","sentiment_score":0.39321209490299225},{"text":"Perfect.","start":768.43,"end":768.93,"sentiment":"positive","sentiment_score":0.8378875255584717},{"text":"Thank you.","start":769.07,"end":769.47,"sentiment":"positive","sentiment_score":0.768118143081665},{"text":"I know he's barking every other dog we see.","start":769.47,"end":771.14996,"sentiment":"neutral","sentiment_score":0.1716951686475012},{"text":"So it's it's having a nice time, but it's just not the best of the week, to be honest.","start":771.14996,"end":776.265,"sentiment":"neutral","sentiment_score":0.017664860345815356}],"sentiment":"neutral","sentiment_score":0.1527708141189633,"num_words":33,"start":760.67,"end":776.265},{"sentences":[{"text":"Anyway yeah.","start":776.265,"end":777.065,"sentiment":"neutral","sentiment_score":0.14580359682440758},{"text":"Thank you.","start":777.065,"end":777.885,"sentiment":"positive","sentiment_score":0.4864036738872528},{"text":"Thanks.","start":781.785,"end":782.285,"sentiment":"positive","sentiment_score":0.6128618717193604},{"text":"See you.","start":782.345,"end":782.745,"sentiment":"positive","sentiment_score":0.4482497125864029},{"text":"Bye.","start":782.745,"end":783.245,"sentiment":"neutral","sentiment_score":0.2998623847961426}],"sentiment":"positive","sentiment_score":0.3842047778889537,"num_words":8,"start":776.265,"end":783.245}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Sorry.\n\nChannel 0: No. That's\n\nChannel 1: I don't\n\nChannel 0: perfectly\n\nChannel 1: know what happened.\n\nChannel 0: fine.\n\nChannel 1: It just started raining, and then the cold dropped out. But anyway.\n\nChannel 0: Yeah. Not a problem at all. Just because it is a new call, unfortunately, I do have to pass you through that security. Can you hear me there, Lauren?\n\nChannel 1: Yeah. Sorry. I thought I tried to call your office, and they're on hold. Hopefully, they just hang up. I tried to call you back, and then you called me back, and\n\nChannel 0: Okay.\n\nChannel 1: now it just says that I've got them on hold. So I don't know if I'm just playing music to them or what. I can't just hang up. Alright. Cool.\n\nSorry. Continue.\n\nChannel 0: No problem at all, Lauren. Just because it is a new call there, if I could just pass you through security, just that name, date of birth, and card address, we can get stuck back into that.\n\nChannel 1: Yeah. Sure. So Lauren Courtney Thomas. My birthday is the '93, and my address is 109 Prince Road, New Jersey.\n\nChannel 0: Perfect. Yeah. And these calls are recorded for the the crane training quality purposes there. I'm not too sure where you heard up to, but given, you know, your age as well, you you could even afford to take on more risk if but, obviously, if it's something that you're comfortable, you're comfortable with the returns you are getting, it's no need to sort of take on more risk, if that makes sense. So currently, even with what did occur over a twelve month period, you did around 8.29%, which is still quite a nice return.\n\nIt's in that sort of expected range for growth portfolio, and it's about 80% growth assets and about 20% more defensive assets there as well. And you do have a bit of an active portion managed funds in that, which aim to, like, try and outperform that market. Now within that, you do have a better long fund, which given what did occur with it towards the end of last year, they did have an underlying investment that was underperforming in terms of, like, they were done for not accounting correctly. And then with\n\nChannel 1: Okay.\n\nChannel 0: that, they had to reevaluate the share price that caused the fund to take a significant sort of dive. Now given that it is a smaller weighting in your portfolio, it hasn't, like, affected your overall performance too badly for\n\nChannel 1: Okay.\n\nChannel 0: the past\n\nChannel 1: Yep.\n\nChannel 0: twelve months. But as a company, they are looking at removing that as well. Now we can look to review the entire portfolio there for you, or we can just look to do a company ROA based on the, like, the review of the investment committee. So\n\nChannel 1: Yep.\n\nChannel 0: we're not we wouldn't be reviewing the entire portfolio then. It's a lot quicker. We'd just be able to send you out the form, and they can make that change to remove that asset, and they'd switch it with an Australian equities index fund as a replacement, which is cheaper and a little less risky\n\nChannel 1: Okay. Yeah. Okay.\n\nChannel 0: in terms\n\nChannel 1: Yep.\n\nChannel 0: of that. Yep. Otherwise, I could sort of, you know, go to advice and then sort of take a few weeks to be able to do the research, put together the document there as well, which is another option there for you.\n\nChannel 1: Yeah. Maybe the middle one that you the middle option. Sorry. Is that\n\nChannel 0: Just\n\nChannel 1: what\n\nChannel 0: the record\n\nChannel 1: you're doing with?\n\nChannel 0: just the record of advice to change that investment?\n\nChannel 1: Yeah. I think so. Would is that is that I'd like\n\nChannel 0: Yeah.\n\nChannel 1: if they're losing\n\nChannel 0: Well\n\nChannel 1: money, then just probably get rid of them. Is that how it works?\n\nChannel 0: yes. So generally, you don't want to sort of sell low by high, but given what did happen with the fund, they've lost sort of consumer confidence in the fund itself, and they don't have conviction in it long term. So they're just looking at removing that fund. As far as, like, other ones when you do take a bit of a dive, there's a an AI sort of tech focused one with the cyber side of things that has taken a bit of a dip that they have con like, confidence in that long term that it will return. It's just the AI sort of sector has taken a little bit of a dip in the past few months with the war as well.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: But given the rest of your portfolio is sort of propping it up, you're still getting nice returns. It's more than fine to maintain this, and let's sort of review it. You're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense.\n\nChannel 1: Yeah. Yeah. That makes sense. Yep. Yep.\n\nThat sounds good.\n\nChannel 0: Perfect. And then within regards to if, you know, with the war, if it continue to go down in terms of, like, your portfolio by, like, 20 just with what is happening in the world, would you be sort of confident in sort of just holding it like you did through COVID to sort of weather those dips and wait for it to return?\n\nChannel 1: Yeah. I guess so. I don't I don't know. Would you? I don't know about any of this\n\nChannel 0: Yeah.\n\nChannel 1: stuff.\n\nChannel 0: Yeah. No. That's that's fine. So with things like COVID, obviously, it was quite significant in terms of the effect it had on the markets. But in terms of, like, the markets, how they recovered, it did happen within a nice sort of period after that.\n\nIf you were to sort of sell and then buy back in, you run the risk of, like, day trading where you're trying to, you know, sell sell high, buy low to try and reenter the market. But if you just stay invested during that time of the ups and downs, generally, you end up sort of on the up after a long a longer period of time anyway. So staying\n\nChannel 1: Yep.\n\nChannel 0: invested does sort of help, and it eliminates any sort of risk of sort of having to make those decisions of when to exit and enter the market, if that makes sense.\n\nChannel 1: Yeah. That makes sense. Yeah. Yeah. I was saving.\n\nChannel 0: Perfect. And then in regards to those times, did it make you sort of concerned at all during, like, COVID and things like that where your super did take a bit of a backward step or you weren't too\n\nChannel 1: No.\n\nChannel 0: concerned\n\nChannel 1: No.\n\nChannel 0: or\n\nChannel 1: I\n\nChannel 0: not\n\nChannel 1: I\n\nChannel 0: too?\n\nChannel 1: don't think I knew anything about my super at that point in time,\n\nChannel 0: Okay.\n\nChannel 1: to be honest.\n\nChannel 0: Not a problem.\n\nChannel 1: I think I had it in three different accounts, and I think that's why you guys contacted me in the in the first place because it had a high risk super. So no. I wasn't\n\nChannel 0: Okay.\n\nChannel 1: worried about it then.\n\nChannel 0: Okay. Not a problem. And then as far to borrow, regard to borrowed money, are you sort of just happy you're sort of borrowing for a purchase of a home sort of in future? You don't really sort of\n\nChannel 1: Yeah.\n\nChannel 0: look at investing anything other than property at the moment?\n\nChannel 1: Yep. Yep. That would be the only thing I did with us. Yeah. Or borrow for.\n\nSorry.\n\nChannel 0: Perfect. So that does bring you out there as growth investors too, which is still at eighty twenty split. So that's more than fine to leave you in the portfolio and just make that record of advice change as per the investment committee's decision,\n\nChannel 1: Yep.\n\nChannel 0: which is fine. In regards to insurances, obviously, you have the IP, but you wanna get canceled. Obviously, you don't have the life TBD in trauma insurance at the moment. As long as you're aware of, like, what they cover and the fact that you don't have them, that's more than fine to review in the future as well. We will touch on it each year, but you're\n\nChannel 1: Yep.\n\nChannel 0: fine sort of still not having, like, all types of insurance.\n\nChannel 1: Yeah. Yeah. Yes. Yep. That's good.\n\nChannel 0: Yeah. Perfect. And within regards to your ongoing service agreement there, Lauren, now I wasn't sort of prepared to do your annual review just because it was meant to just be a little ad hoc call there. So I do apologize\n\nChannel 1: No. That's okay.\n\nChannel 0: for taking out\n\nChannel 1: It's\n\nChannel 0: more than your\n\nChannel 1: fine.\n\nChannel 0: time you're expecting. I I can get them to send out your annual review pack. Now within regards to that as well, it will have the ongoing service agreement. Now that is if you are happy to stay with the service for another twelve months. I know you sort of did have some concerns previously and potentially wanted to, you know, maybe not be part of the service and was sort of thinking about it.\n\nIt's important to note that, like, obviously, with you staying on at the moment, you'd be agreeing to stay on board as an Okie client. You'd be have all the services under Okie Financial and their services they provide. And then\n\nChannel 1: Mhmm.\n\nChannel 0: with that, based on the fee at the moment, it'd be looking at around sort of 1,500 for the next twelve months in terms of a fee based on your current balance. But\n\nChannel 1: Yep.\n\nChannel 0: I just charge monthly if you ever did feel like you weren't getting enough out of service or did wanna move on as well. It's not a lock in contract. So as long as you're happy and sort of happy with how things are going, fantastic. If ever you\n\nChannel 1: Yes.\n\nChannel 0: did wanna make some changes, you're not stuck. You're not holding your will. If it's something that you personally decide, we'll assist you on your way out. You don't have to start dodging our phone calls and things like that as well. Obviously, you know well\n\nChannel 1: I only\n\nChannel 0: well\n\nChannel 1: do that I only do that because I'm terrible at answering my phone, not because I'm trying to get rid of you. I'm\n\nChannel 0: okay.\n\nChannel 1: just terrible\n\nChannel 0: Not a problem.\n\nChannel 1: with my phone. So\n\nChannel 0: Right. Obviously, we're always happy to get some feedback. So if ever you do wanna leave a sort of review on sort of how we could improve, I'll give you some feedback information. That's more\n\nChannel 1: yeah.\n\nChannel 0: than fine as well. We're happy for that.\n\nChannel 1: Yep.\n\nChannel 0: Within regards to you wanting to purchase a home with that money as well, we do have access to some mortgage brokers here that I could refer you on to once you sort of do receive that inheritance. So,\n\nChannel 1: Uh-huh.\n\nChannel 0: you know, you might oh, sorry?\n\nChannel 1: Oh, no. That's good. That was gonna be my next question. Like, with the money that I'm paying for you guys, that includes a mortgage broker?\n\nChannel 0: Yeah. Well, the way mortgage brokers are paid generally anyway, they do get their commissions from, like, the loans they set up with the providers anyway. Only sort of certain fee would charge you, like, an additional\n\nChannel 1: Yeah.\n\nChannel 0: fee. But we do have trusted partners here that we can sort of refer you on to. There is an in house one, but given that, he does get a little bit busy. So we also have some trusted partners we can pass you along to to have that discussion as well to assist you in your sort of lending needs as well and sort of your serviceability and things like that.\n\nChannel 1: Yeah. Perfect. That sounds great. Thank you. Keeps you nice.\n\nChannel 0: Would you like sort of just to wait until you get the inheritance and then sort of start the process? Because they do move quite quickly in terms of, like, once they do have your details, they do give you a call and things like that as well. Are you\n\nChannel 1: Yeah.\n\nChannel 0: happy to\n\nChannel 1: I'll\n\nChannel 0: reach\n\nChannel 1: I'll\n\nChannel 0: out\n\nChannel 1: wait.\n\nChannel 0: once you yeah. Not\n\nChannel 1: I'll\n\nChannel 0: a problem.\n\nChannel 1: wait. It's just it's taking so much longer than I thought already. So I don't know how much\n\nChannel 0: Yep.\n\nChannel 1: longer I'm gonna be waiting, and that's why I'm thinking of just renting for twelve months and putting it into a 100 and just stay, but until know what's going on even though that sounds like a terrible financial choice. But\n\nChannel 0: Look. It's it's not not really in terms of, like, having the money there and sort of where you are financially. As long as you sort of have it there, it's an offensive portion. With the way the markets are anyway, if you were to invest it, the walk could go on for another to twelve months, and it could sort of take a bit of a dive, and interest\n\nChannel 1: Yes.\n\nChannel 0: rates sort of keep going up. So one thing to be mindful of is, you know, you know, you could do some now and sort of wait and sort of see the next interest rise as well, what that looks like. In terms of\n\nChannel 1: Yep.\n\nChannel 0: that, if it's whether you do term deposit, things like that, because, obviously, interest rate did jump up again the other day. So you\n\nChannel 1: Okay.\n\nChannel 0: would get a little bit more for it sitting there, which is something there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: In terms of what next there, Lauren, so they will organize that annual review pack for you. We'll include that ongoing service agreement. Maybe a few other documents in terms of, like, your twelve month report, your certificate of currency as well. Just fill that churn just for now, and then I'll get them to organize the forms for you there to be able to cancel that policy for you.\n\nChannel 1: Yep.\n\nChannel 0: And then once all sort of that's signed, they'll still follow-up on the beneficiary forms. They'll get that sent out and then also your change of detail forms there as well. But\n\nChannel 1: Perfect.\n\nChannel 0: is there anything that I haven't covered today that you wanna have a conversation about, Lauren? Any concerns, questions, queries about the ongoing service agreement? What your sort of fees or anything like that?\n\nChannel 1: No. No. That's all good. I think it's covered most of it. So, no, that's that's good.\n\nI don't know what happened to those rooms because I remember putting my brother down, and I remember my mom witnessing it and stuff. So I don't know. Like, she had them at her house because that's my address. Like, that's my stable address, if that makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: So they got posted there, and I went down to Victoria after Christmas a million. So I filled them all out. I thought that they got sent off. She was gonna do it for me. So I might just check-in with her and see if she definitely did or yeah.\n\nAnyway so I don't know what happened there, but yeah. We'll see if I\n\nChannel 0: That's\n\nChannel 1: can\n\nChannel 0: more\n\nChannel 1: track them\n\nChannel 0: of\n\nChannel 1: down. Otherwise, I'll fill them out again.\n\nChannel 0: yep. And then with that too, given that your brother sort of isn't a dependent on the Syslaw as well, it might not be a valid nomination at the time if anything was to occur. Just because he's\n\nChannel 1: Yep.\n\nChannel 0: not a dependent, he doesn't rely on you financially, things like that. You can try and prove interdependency where you do sort of provide financial, emotional support, things like that.\n\nChannel 1: Yes.\n\nChannel 0: But it's a lot, lot harder to prove, and they still might decide that it's not at the time of claim. So given\n\nChannel 1: Oh,\n\nChannel 0: if you\n\nChannel 1: okay.\n\nChannel 0: do wanna leave down family members, things like that, you can leave it to a legal person representative, which does fall to your state, and then that's where a will comes into place and things like that as well, if that makes sense.\n\nChannel 1: Yeah. Yeah. That makes sense. Yep.\n\nChannel 0: Obviously, you know, if you don't have anyone, you wanna put your brother and you don't have anyone else, you don't wanna leave it to the estate, you can do it. It sort of might just be a bit more of a logistical nightmare come you know, if something was to happen. But, you know, the chances are that you're probably gonna live a long, healthy life, and you might have a partner, things like that down the track, and you might change it anyway before anything does happen. It's just something to be mindful of.\n\nChannel 1: Yeah. Yeah. Okay. Perfect. Alright.\n\nIt's good to know. Thank you.\n\nChannel 0: No problem, Lauren. Anything else you wanna chat with me about before I let you go?\n\nChannel 1: No. That's all good for now. Thank you for doing that at the same time.\n\nChannel 0: No problem. Yeah. I thought I'd try and get it out of the way. So we're not bugging you in a few weeks time to try and get it done for you. Given there is a bit busy, I'll try and sort of get them to try and get it sorted in the next sort of this week with those forms and everything.\n\nThere are a few things left together for that one. So I do apologize if it takes a little bit for those to come out. But, obviously, in regards to the insurances, it's, like, paid already, and the amount that will like, is remaining on the policy will get rebated to your account. Whatever is left, it's just proportionated. So, hopefully, we can get that sorted for you, and you might get a little bit of a refund back in your account.\n\nBut I'm not too sure what that is depending on when the policy was paid for.\n\nChannel 1: Yep. Okay. No worries. Thank you.\n\nChannel 0: No problem, Lauren. Well, thanks for your time today. You enjoy the rest of your day. Hopefully, stay out of the rain and the dog's having a nice time.\n\nChannel 1: Perfect. Thank you. I know he's barking every other dog we see. So it's it's having a nice time, but it's just not the best of the week, to be honest. Anyway yeah.\n\nThank you.\n\nChannel 0: No. Not a problem at all. Well, good luck with that. We'll talk soon. Yeah.\n\nChannel 1: Thanks. See you. Bye.\n\nChannel 0: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":-0.04408645257353783},{"text":"Sorry.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.1830051839351654}],"sentiment":"neutral","sentiment_score":-0.11354581825435162,"channel":1,"num_words":2,"start":0.96,"end":2.1799998},{"sentences":[{"text":"No.","start":2.72,"end":2.96,"sentiment":"neutral","sentiment_score":-0.2553705871105194},{"text":"That's","start":2.96,"end":3.36,"sentiment":"negative","sentiment_score":-0.34205305576324463}],"sentiment":"neutral","sentiment_score":-0.298711821436882,"channel":0,"num_words":2,"start":2.72,"end":3.36},{"sentences":[{"text":"I don't","start":3.12,"end":3.4399998,"sentiment":"neutral","sentiment_score":-0.323763832449913}],"sentiment":"neutral","sentiment_score":-0.323763832449913,"channel":1,"num_words":2,"start":3.12,"end":3.4399998},{"sentences":[{"text":"perfectly","start":3.36,"end":3.86,"sentiment":"negative","sentiment_score":-0.3348636329174042}],"sentiment":"negative","sentiment_score":-0.3348636329174042,"channel":0,"num_words":1,"start":3.36,"end":3.86},{"sentences":[{"text":"know what happened.","start":3.4399998,"end":4.34,"sentiment":"neutral","sentiment_score":-0.3329771359761556}],"sentiment":"neutral","sentiment_score":-0.3329771359761556,"channel":1,"num_words":3,"start":3.4399998,"end":4.34},{"sentences":[{"text":"fine.","start":3.9199998,"end":4.42,"sentiment":"neutral","sentiment_score":-0.11337751150131226}],"sentiment":"neutral","sentiment_score":-0.11337751150131226,"channel":0,"num_words":1,"start":3.9199998,"end":4.42},{"sentences":[{"text":"It just started raining, and then the cold dropped out.","start":4.72,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.3093907132744789},{"text":"But anyway.","start":7.3599997,"end":8.27,"sentiment":"neutral","sentiment_score":-0.08339544385671616}],"sentiment":"neutral","sentiment_score":-0.2717248350381851,"channel":1,"num_words":12,"start":4.72,"end":8.27},{"sentences":[{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":-0.008556613698601723},{"text":"Not a problem at all.","start":9.28,"end":10.5,"sentiment":"neutral","sentiment_score":-0.00016418397426605226},{"text":"Just because it is a new call, unfortunately, I do have to pass you through that security.","start":10.639999,"end":14.259999,"sentiment":"neutral","sentiment_score":-0.26737697904600816},{"text":"Can you hear me there, Lauren?","start":17.775,"end":18.915,"sentiment":"neutral","sentiment_score":-0.11174157510201137}],"sentiment":"neutral","sentiment_score":-0.18018053889531513,"channel":0,"num_words":29,"start":8.96,"end":18.915},{"sentences":[{"text":"Yeah.","start":19.164999,"end":19.404999,"sentiment":"neutral","sentiment_score":-0.11249280720949172},{"text":"Sorry.","start":19.404999,"end":19.805,"sentiment":"neutral","sentiment_score":-0.219903826713562},{"text":"I thought I tried to call your office, and they're on hold.","start":19.805,"end":23.744999,"sentiment":"neutral","sentiment_score":-0.30524584899346036},{"text":"Hopefully, they just hang up.","start":23.805,"end":24.925,"sentiment":"negative","sentiment_score":-0.33785623908042905},{"text":"I tried to call you back, and then you called me back, and","start":24.925,"end":27.505,"sentiment":"neutral","sentiment_score":-0.15473027641956622}],"sentiment":"neutral","sentiment_score":-0.24050380033440888,"channel":1,"num_words":32,"start":19.164999,"end":27.505},{"sentences":[{"text":"Okay.","start":27.47,"end":27.97,"sentiment":"neutral","sentiment_score":-0.12284275144338608}],"sentiment":"neutral","sentiment_score":-0.12284275144338608,"channel":0,"num_words":1,"start":27.47,"end":27.97},{"sentences":[{"text":"now it just says that I've got them on hold.","start":27.92,"end":29.76,"sentiment":"neutral","sentiment_score":-0.22467756122350693},{"text":"So I don't know if I'm just playing music to them or what.","start":29.76,"end":33.12,"sentiment":"neutral","sentiment_score":-0.26105068967892575},{"text":"I can't just hang up.","start":33.12,"end":33.84,"sentiment":"neutral","sentiment_score":-0.25372996032238004},{"text":"Alright.","start":33.84,"end":34.08,"sentiment":"neutral","sentiment_score":0.03765810281038284},{"text":"Cool.","start":34.08,"end":34.4,"sentiment":"neutral","sentiment_score":0.03618610650300979}],"sentiment":"neutral","sentiment_score":-0.22784133901198705,"channel":1,"num_words":30,"start":27.92,"end":34.4},{"sentences":[{"text":"Sorry.","start":34.4,"end":34.72,"sentiment":"neutral","sentiment_score":-0.011434674263000488},{"text":"Continue.","start":34.72,"end":35.22,"sentiment":"neutral","sentiment_score":0.014284156262874603}],"sentiment":"neutral","sentiment_score":0.0014247409999370575,"channel":1,"num_words":2,"start":34.4,"end":35.22},{"sentences":[{"text":"No problem at all, Lauren.","start":36.03,"end":37.41,"sentiment":"neutral","sentiment_score":0.11498543471097947},{"text":"Just because it is a new call there, if I could just pass you through security, just that name, date of birth, and card address, we can get stuck back into that.","start":38.03,"end":43.975,"sentiment":"neutral","sentiment_score":0.04795714793726802}],"sentiment":"neutral","sentiment_score":0.05701502452831011,"channel":0,"num_words":37,"start":36.03,"end":43.975},{"sentences":[{"text":"Yeah.","start":44.395,"end":44.715,"sentiment":"neutral","sentiment_score":0.09567906707525252},{"text":"Sure.","start":44.715,"end":44.955,"sentiment":"neutral","sentiment_score":0.09541302919387816},{"text":"So Lauren Courtney Thomas.","start":44.955,"end":47.055,"sentiment":"neutral","sentiment_score":0.07441675662994385},{"text":"My birthday is the '93, and my address is 109 Prince Road, New 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you don't have anyone, you wanna put your brother and you don't have anyone else, you don't wanna leave it to the estate, you can do it.","start":688.825,"end":695.82,"sentiment":"neutral","sentiment_score":0.0116828243218122},{"text":"It sort of might just be a bit more of a logistical nightmare come you know, if something was to happen.","start":695.82,"end":700.86005,"sentiment":"neutral","sentiment_score":-0.12644442454690025},{"text":"But, you know, the chances are that you're probably gonna live a long, healthy life, and you might have a partner, things like that down the track, and you might change it anyway before anything does happen.","start":700.86005,"end":709.10004,"sentiment":"neutral","sentiment_score":0.14149403330442067},{"text":"It's just something to be mindful of.","start":709.10004,"end":710.895,"sentiment":"neutral","sentiment_score":0.004471871303394437}],"sentiment":"neutral","sentiment_score":0.030973093436235406,"channel":0,"num_words":96,"start":688.825,"end":710.895},{"sentences":[{"text":"Yeah.","start":711.64,"end":711.96,"sentiment":"neutral","sentiment_score":0.1002359539270401},{"text":"Yeah.","start":711.96,"end":712.27997,"sentiment":"neutral","sentiment_score":0.1334575712680817},{"text":"Okay.","start":712.27997,"end":712.68,"sentiment":"neutral","sentiment_score":0.27101194858551025},{"text":"Perfect.","start":712.68,"end":713.16,"sentiment":"positive","sentiment_score":0.5267715454101562},{"text":"Alright.","start":713.16,"end":713.56,"sentiment":"positive","sentiment_score":0.5370297431945801}],"sentiment":"neutral","sentiment_score":0.31370135247707365,"channel":1,"num_words":5,"start":711.64,"end":713.56},{"sentences":[{"text":"It's good to know.","start":713.56,"end":714.36,"sentiment":"positive","sentiment_score":0.6218415051698685},{"text":"Thank you.","start":714.36,"end":715.18,"sentiment":"positive","sentiment_score":0.583560585975647}],"sentiment":"positive","sentiment_score":0.6090811987717947,"channel":1,"num_words":6,"start":713.56,"end":715.18},{"sentences":[{"text":"No problem, Lauren.","start":715.455,"end":716.435,"sentiment":"neutral","sentiment_score":0.21918396651744843},{"text":"Anything else you wanna chat with me about before I let you go?","start":716.495,"end":719.155,"sentiment":"neutral","sentiment_score":0.06866838238560237}],"sentiment":"neutral","sentiment_score":0.0968900544103235,"channel":0,"num_words":16,"start":715.455,"end":719.155},{"sentences":[{"text":"No.","start":719.655,"end":719.815,"sentiment":"neutral","sentiment_score":0.09283937513828278},{"text":"That's all good for now.","start":719.815,"end":720.85504,"sentiment":"neutral","sentiment_score":0.24696770310401917},{"text":"Thank you for doing that at the same time.","start":720.85504,"end":722.715,"sentiment":"positive","sentiment_score":0.4241897099547916}],"sentiment":"positive","sentiment_score":0.3430256853501002,"channel":1,"num_words":15,"start":719.655,"end":722.715},{"sentences":[{"text":"No problem.","start":723.31,"end":723.87,"sentiment":"neutral","sentiment_score":0.07156756892800331},{"text":"Yeah.","start":723.87,"end":724.02997,"sentiment":"neutral","sentiment_score":0.006993718445301056},{"text":"I thought I'd try and get it out of the way.","start":724.02997,"end":725.23,"sentiment":"neutral","sentiment_score":-0.12359060008417476},{"text":"So we're not bugging you in a few weeks time to try and get it done for you.","start":725.23,"end":728.76996,"sentiment":"neutral","sentiment_score":-0.021110896435048845},{"text":"Given there is a bit busy, I'll try and sort of get them to try and get it sorted in the next sort of this week with those forms and everything.","start":730.35,"end":736.245,"sentiment":"neutral","sentiment_score":-0.04815669922578719}],"sentiment":"neutral","sentiment_score":-0.04892415168976027,"channel":0,"num_words":63,"start":723.31,"end":736.245},{"sentences":[{"text":"There are a few things left together for that one.","start":736.245,"end":737.84503,"sentiment":"neutral","sentiment_score":-0.1224705770611763},{"text":"So I do apologize if it takes a little bit for those to come out.","start":737.84503,"end":740.085,"sentiment":"neutral","sentiment_score":-0.15534976969162623},{"text":"But, obviously, in regards to the insurances, it's, like, paid already, and the amount that will like, is remaining on the policy will get rebated to your account.","start":740.085,"end":749.125,"sentiment":"neutral","sentiment_score":0.04546940590496108},{"text":"Whatever is left, it's just proportionated.","start":749.125,"end":750.66504,"sentiment":"neutral","sentiment_score":0.08726154640316963},{"text":"So, hopefully, we can get that sorted for you, and you might get a little bit of a refund back in your account.","start":751.41,"end":755.17,"sentiment":"neutral","sentiment_score":0.2208624044838159}],"sentiment":"neutral","sentiment_score":0.040507263791457776,"channel":0,"num_words":82,"start":736.245,"end":755.17},{"sentences":[{"text":"But I'm not too sure what that is depending on when the policy was paid for.","start":755.17,"end":758.70996,"sentiment":"neutral","sentiment_score":-0.13274436816573143}],"sentiment":"neutral","sentiment_score":-0.13274436816573143,"channel":0,"num_words":16,"start":755.17,"end":758.70996},{"sentences":[{"text":"Yep.","start":759.23,"end":759.63,"sentiment":"neutral","sentiment_score":0.052435241639614105},{"text":"Okay.","start":759.63,"end":760.02997,"sentiment":"neutral","sentiment_score":0.10697448253631592},{"text":"No worries.","start":760.02997,"end":760.67,"sentiment":"neutral","sentiment_score":0.16926927119493484},{"text":"Thank you.","start":760.67,"end":761.41,"sentiment":"positive","sentiment_score":0.39321209490299225}],"sentiment":"neutral","sentiment_score":0.21406207606196404,"channel":1,"num_words":6,"start":759.23,"end":761.41},{"sentences":[{"text":"No problem, Lauren.","start":761.64996,"end":762.45,"sentiment":"positive","sentiment_score":0.39098437627156574},{"text":"Well, thanks for your time today.","start":762.45,"end":763.49,"sentiment":"positive","sentiment_score":0.6690473854541779},{"text":"You enjoy the rest of your day.","start":763.49,"end":764.805,"sentiment":"positive","sentiment_score":0.5785803411688123},{"text":"Hopefully, stay out of the rain and the dog's having a nice time.","start":764.805,"end":767.625,"sentiment":"positive","sentiment_score":0.6064836451640496}],"sentiment":"positive","sentiment_score":0.5903995592018654,"channel":0,"num_words":29,"start":761.64996,"end":767.625},{"sentences":[{"text":"Perfect.","start":768.43,"end":768.93,"sentiment":"positive","sentiment_score":0.8378875255584717},{"text":"Thank you.","start":769.07,"end":769.47,"sentiment":"positive","sentiment_score":0.768118143081665},{"text":"I know he's barking every other dog we see.","start":769.47,"end":771.14996,"sentiment":"neutral","sentiment_score":0.1716951686475012},{"text":"So it's it's having a nice time, but it's just not the best of the week, to be honest.","start":771.14996,"end":776.265,"sentiment":"neutral","sentiment_score":0.017664860345815356},{"text":"Anyway yeah.","start":776.265,"end":777.065,"sentiment":"neutral","sentiment_score":0.14580359682440758}],"sentiment":"neutral","sentiment_score":0.13777635968995816,"channel":1,"num_words":33,"start":768.43,"end":777.065},{"sentences":[{"text":"Thank you.","start":777.065,"end":777.885,"sentiment":"positive","sentiment_score":0.4864036738872528}],"sentiment":"positive","sentiment_score":0.4864036738872528,"channel":1,"num_words":2,"start":777.065,"end":777.885},{"sentences":[{"text":"No.","start":778.1909,"end":778.5109,"sentiment":"neutral","sentiment_score":-0.0014229044318199158},{"text":"Not a problem at all.","start":778.5109,"end":779.47095,"sentiment":"neutral","sentiment_score":0.16503900289535522},{"text":"Well, good luck with that.","start":779.47095,"end":780.4309,"sentiment":"positive","sentiment_score":0.5037143468856812},{"text":"We'll talk soon.","start":780.4309,"end":781.0709,"sentiment":"neutral","sentiment_score":0.3131236632664998},{"text":"Yeah.","start":781.0709,"end":781.5709,"sentiment":"neutral","sentiment_score":0.27157288789749146}],"sentiment":"neutral","sentiment_score":0.30355251481135687,"channel":0,"num_words":15,"start":778.1909,"end":781.5709},{"sentences":[{"text":"Thanks.","start":781.785,"end":782.285,"sentiment":"positive","sentiment_score":0.6128618717193604},{"text":"See you.","start":782.345,"end":782.745,"sentiment":"positive","sentiment_score":0.4482497125864029},{"text":"Bye.","start":782.745,"end":783.245,"sentiment":"neutral","sentiment_score":0.2998623847961426}],"sentiment":"positive","sentiment_score":0.4523059204220772,"channel":1,"num_words":4,"start":781.785,"end":783.245},{"sentences":[{"text":"See you.","start":783.0709,"end":783.3109,"sentiment":"neutral","sentiment_score":0.25907259434461594},{"text":"Bye.","start":783.3109,"end":783.8109,"sentiment":"neutral","sentiment_score":-0.11636552214622498}],"sentiment":"neutral","sentiment_score":0.13392655551433563,"channel":0,"num_words":3,"start":783.0709,"end":783.8109}]},"summary":{"result":"success","short":"The customer is interested in a company ROA based on the review of their investment portfolio and is concerned about the loss of consumer confidence with the fund. The agent suggests a middle option and advises the customer to stay invested for a longer period of time. The agent also discusses the impact of COVID-19 on the market and advises the customer to stay invested for a longer period of time. The agent provides information on the process of canceling policies and offers a mortgage broker service, but the customer is hesitant due to loss of consumer confidence. The agent explains that they offer a mortgage broker service and mentions that they can leave the policy to a legal representative if needed. The agent apologizes for the delay and assures the customer that they will sort it out soon."},"intents":{"segments":[{"text":"Not a problem at all. Just because it is a new call, unfortunately, I do have to pass you through that security. Can you hear me there, Lauren? Yeah.","start_word":24,"end_word":52,"intents":[{"intent":"Pass through security","confidence_score":0.63285875}]},{"text":"So currently, even with what did occur over a twelve month period, you did around 8.29%, which is still quite a nice return. It's in that sort of expected range for growth portfolio, and it's about 80% growth assets and about 20% more defensive assets there as well. And you do have a bit of an active portion managed funds in that, which aim to, like, try and outperform that market.","start_word":247,"end_word":317,"intents":[{"intent":"Outperform market in a month","confidence_score":4.6406694e-8}]},{"text":"Now within that, you do have a better long fund, which given what did occur with it towards the end of last year, they did have an underlying investment that was underperforming in terms of, like, they were done for not accounting correctly. And then with Okay.","start_word":318,"end_word":364,"intents":[{"intent":"Perform well","confidence_score":0.035596095}]},{"text":"that, they had to reevaluate the share price that caused the fund to take a significant sort of dive.","start_word":366,"end_word":384,"intents":[{"intent":"Evaluate fund performance","confidence_score":0.022627238},{"intent":"Evaluate investment","confidence_score":0.04031587}]},{"text":"Now given that it is a smaller weighting in your portfolio, it hasn't, like, affected your overall performance too badly for Okay.","start_word":384,"end_word":405,"intents":[{"intent":"Confirm portfolio weighting","confidence_score":0.000005064253}]},{"text":"Now we can look to review the entire portfolio there for you, or we can just look to do a company ROA based on the, like, the review of the investment committee. So Yep.","start_word":423,"end_word":456,"intents":[{"intent":"Review portfolio","confidence_score":0.973452},{"intent":"Review portfolio","confidence_score":0.1874196},{"intent":"Review portfolio","confidence_score":0.35665932},{"intent":"Review portfolio","confidence_score":0.40358087}]},{"text":"We'd just be able to send you out the form, and they can make that change to remove that asset, and they'd switch it with an Australian equities index fund as a replacement, which is cheaper and a little less risky Okay. Yeah.","start_word":471,"end_word":513,"intents":[{"intent":"Change investment","confidence_score":0.049420614},{"intent":"Replace asset","confidence_score":0.005548482},{"intent":"Remove asset","confidence_score":0.01280269}]},{"text":"Would is that is that I'd like Yeah. if they're losing Well money, then just probably get rid of them. Is that how it works? yes.","start_word":593,"end_word":618,"intents":[{"intent":"Discuss retirement plan","confidence_score":0.000009862338}]},{"text":"As far as, like, other ones when you do take a bit of a dive, there's a an AI sort of tech focused one with the cyber side of things that has taken a bit of a dip that they have con like, confidence in that long term that it will return. It's just the AI sort of sector has taken a little bit of a dip in the past few months with the war as well. Okay.","start_word":666,"end_word":743,"intents":[{"intent":"Discuss ai sector","confidence_score":0.010365593}]},{"text":"But given the rest of your portfolio is sort of propping it up, you're still getting nice returns. It's more than fine to maintain this, and let's sort of review it. You're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense. Yeah.","start_word":746,"end_word":814,"intents":[{"intent":"Review portfolio","confidence_score":0.60339385}]},{"text":"But given the rest of your portfolio is sort of propping it up, you're still getting nice returns. It's more than fine to maintain this, and let's sort of review it. You're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense. Yeah. Yeah.","start_word":746,"end_word":815,"intents":[{"intent":"Maintain portfolio","confidence_score":0.7129032}]},{"text":"And then within regards to if, you know, with the war, if it continue to go down in terms of, like, your portfolio by, like, 20 just with what is happening in the world, would you be sort of confident in sort of just holding it like you did through COVID to sort of weather those dips and wait for it to return? Yeah. I guess so.","start_word":824,"end_word":890,"intents":[{"intent":"Prepare for return","confidence_score":0.01326805}]},{"text":"So with things like COVID, obviously, it was quite significant in terms of the effect it had on the markets. But in terms of, like, the markets, how they recovered, it did happen within a nice sort of period after that.","start_word":912,"end_word":952,"intents":[{"intent":"Discuss markets impact","confidence_score":0.0014242758}]},{"text":"invested does sort of help, and it eliminates any sort of risk of sort of having to make those decisions of when to exit and enter the market, if that makes sense. Yeah.","start_word":1025,"end_word":1057,"intents":[{"intent":"Ease of investment","confidence_score":0.00026086785},{"intent":"Evaluate risks","confidence_score":0.01754543}]},{"text":"And then in regards to those times, did it make you sort of concerned at all during, like, COVID and things like that where your super did take a bit of a backward step or you weren't too No.","start_word":1067,"end_word":1105,"intents":[{"intent":"Discuss covid concerns","confidence_score":0.013527063}]},{"text":"And then as far to borrow, regard to borrowed money, are you sort of just happy you're sort of borrowing for a purchase of a home sort of in future?","start_word":1177,"end_word":1206,"intents":[{"intent":"Inquire about borrowing","confidence_score":0.0043307063}]},{"text":"look at investing anything other than property at the moment?","start_word":1213,"end_word":1222,"intents":[{"intent":"Discuss investments","confidence_score":0.04068181}]},{"text":"In regards to insurances, obviously, you have the IP, but you wanna get canceled. Obviously, you don't have the life TBD in trauma insurance at the moment.","start_word":1288,"end_word":1314,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.7048963}]},{"text":"And within regards to your ongoing service agreement there, Lauren, now I wasn't sort of prepared to do your annual review just because it was meant to just be a little ad hoc call there. So I do apologize No.","start_word":1373,"end_word":1412,"intents":[{"intent":"Schedule review","confidence_score":0.0003106096}]},{"text":"Now within regards to that as well, it will have the ongoing service agreement. Now that is if you are happy to stay with the service for another twelve months.","start_word":1438,"end_word":1467,"intents":[{"intent":"Discuss service agreement","confidence_score":0.26991004}]},{"text":"I know you sort of did have some concerns previously and potentially wanted to, you know, maybe not be part of the service and was sort of thinking about it.","start_word":1468,"end_word":1497,"intents":[{"intent":"Express concerns","confidence_score":0.27113637}]},{"text":"But we do have trusted partners here that we can sort of refer you on to. There is an in house one, but given that, he does get a little bit busy. So we also have some trusted partners we can pass you along to to have that discussion as well to assist you in your sort of lending needs as well and sort of your serviceability and things like that. Yeah.","start_word":1863,"end_word":1934,"intents":[{"intent":"Assist with lending needs","confidence_score":0.039349526}]},{"text":"Because they do move quite quickly in terms of, like, once they do have your details, they do give you a call and things like that as well. Are you Yeah.","start_word":1963,"end_word":1993,"intents":[{"intent":"Move fast","confidence_score":0.0007820815}]},{"text":"With the way the markets are anyway, if you were to invest it, the walk could go on for another to twelve months, and it could sort of take a bit of a dive, and interest Yes.","start_word":2102,"end_word":2138,"intents":[{"intent":"Plan future investment","confidence_score":0.00018078441}]},{"text":"is there anything that I haven't covered today that you wanna have a conversation about, Lauren? Any concerns, questions, queries about the ongoing service agreement? What your sort of fees or anything like that? No.","start_word":2329,"end_word":2363,"intents":[{"intent":"Request help","confidence_score":0.0000133917465}]},{"text":"do wanna leave down family members, things like that, you can leave it to a legal person representative, which does fall to your state, and then that's where a will comes into place and things like that as well, if that makes sense. Yeah.","start_word":2604,"end_word":2647,"intents":[{"intent":"Address estate queries","confidence_score":1.4646078e-7}]}]},"sentiments":{"segments":[{"text":"Hi. Sorry. No. That's I don't perfectly know what happened. fine. It just started raining, and then the cold dropped out. But anyway. Yeah. Not a problem at all. Just because it is a new call, unfortunately, I do have to pass you through that security. Can you hear me there, Lauren? Yeah. Sorry. I thought I tried to call your office, and they're on hold. Hopefully, they just hang up. I tried to call you back, and then you called me back, and Okay. now it just says that I've got them on hold. So I don't know if I'm just playing music to them or what. I can't just hang up. Alright. Cool. Sorry. Continue. No problem at all, Lauren. Just because it is a new call there, if I could just pass you through security, just that name, date of birth, and card address, we can get stuck back into that. Yeah. Sure. So Lauren Courtney Thomas. My birthday is the '93, and my address is 109 Prince Road, New Jersey.","start_word":0,"end_word":173,"sentiment":"neutral","sentiment_score":-0.12586937844753265},{"text":"Perfect.","start_word":174,"end_word":174,"sentiment":"positive","sentiment_score":0.4474649429321289},{"text":"Yeah. And these calls are recorded for the the crane training quality purposes there. I'm not too sure where you heard up to, but given, you know, your age as well, you you could even afford to take on more risk if but, obviously, if it's something that you're comfortable, you're comfortable with the returns you are getting, it's no need to sort of take on more risk, if that makes sense.","start_word":175,"end_word":246,"sentiment":"neutral","sentiment_score":0.1380425989627838},{"text":"So currently, even with what did occur over a twelve month period, you did around 8.29%, which is still quite a nice return. It's in that sort of expected range for growth portfolio, and it's about 80% growth assets and about 20% more defensive assets there as well.","start_word":247,"end_word":294,"sentiment":"positive","sentiment_score":0.44495055079460144},{"text":"And you do have a bit of an active portion managed funds in that, which aim to, like, try and outperform that market. Now within that, you do have a better long fund, which given what did occur with it towards the end of last year, they did have an underlying investment that was underperforming in terms of, like, they were done for not accounting correctly. And then with Okay. that, they had to reevaluate the share price that caused the fund to take a significant sort of dive. Now given that it is a smaller weighting in your portfolio, it hasn't, like, affected your overall performance too badly for Okay. the past Yep. twelve months. But as a company, they are looking at removing that as well. Now we can look to review the entire portfolio there for you, or we can just look to do a company ROA based on the, like, the review of the investment committee. So Yep. we're not we wouldn't be reviewing the entire portfolio then. It's a lot quicker. We'd just be able to send you out the form, and they can make that change to remove that asset, and they'd switch it with an Australian equities index fund as a replacement, which is cheaper and a little less risky Okay. Yeah. Okay. in terms Yep. of that. Yep. Otherwise, I could sort of, you know, go to advice and then sort of take a few weeks to be able to do the research, put together the document there as well, which is another option there for you. Yeah. Maybe the middle one that you the middle option. Sorry. Is that Just what the record you're doing with? just the record of advice to change that investment? Yeah. I think so. Would is that is that I'd like Yeah. if they're losing Well money, then just probably get rid of them. Is that how it works? yes.","start_word":295,"end_word":618,"sentiment":"neutral","sentiment_score":0.01803145258124044},{"text":"So generally, you don't want to sort of sell low by high, but given what did happen with the fund, they've lost sort of consumer confidence in the fund itself, and they don't have conviction in it long term. So they're just looking at removing that fund.","start_word":619,"end_word":665,"sentiment":"negative","sentiment_score":-0.3737699091434479},{"text":"As far as, like, other ones when you do take a bit of a dive, there's a an AI sort of tech focused one with the cyber side of things that has taken a bit of a dip that they have con like, confidence in that long term that it will return. It's just the AI sort of sector has taken a little bit of a dip in the past few months with the war as well. Okay. Yeah.","start_word":666,"end_word":744,"sentiment":"neutral","sentiment_score":-0.17813090980052948},{"text":"But given the rest of your portfolio is sort of propping it up, you're still getting nice returns. It's more than fine to maintain this, and let's sort of review it.","start_word":745,"end_word":775,"sentiment":"positive","sentiment_score":0.5711899399757385},{"text":"You're like your next annual review as well to see how that is tracking and if there are, like, needs need to replace anything or do a full review of the entire portfolio, if that makes sense. Yeah. Yeah. That makes sense. Yep.","start_word":776,"end_word":818,"sentiment":"neutral","sentiment_score":0.27830204367637634},{"text":"Yep. That sounds good. Perfect.","start_word":819,"end_word":823,"sentiment":"positive","sentiment_score":0.5170401930809021},{"text":"And then within regards to if, you know, with the war, if it continue to go down in terms of, like, your portfolio by, like, 20 just with what is happening in the world, would you be sort of confident in sort of just holding it like you did through COVID to sort of weather those dips and wait for it to return? Yeah. I guess so. I don't I don't know. Would you? I don't know about any of this Yeah. stuff. Yeah. No. That's that's fine. So with things like COVID, obviously, it was quite significant in terms of the effect it had on the markets. But in terms of, like, the markets, how they recovered, it did happen within a nice sort of period after that. If you were to sort of sell and then buy back in, you run the risk of, like, day trading where you're trying to, you know, sell sell high, buy low to try and reenter the market. But if you just stay invested during that time of the ups and downs, generally, you end up sort of on the up after a long a longer period of time anyway. So staying Yep. invested does sort of help, and it eliminates any sort of risk of sort of having to make those decisions of when to exit and enter the market, if that makes sense. Yeah. That makes sense. Yeah. Yeah. I was saving. Perfect. And then in regards to those times, did it make you sort of concerned at all during, like, COVID and things like that where your super did take a bit of a backward step or you weren't too No. concerned No. or I not I too? don't think I knew anything about my super at that point in time, Okay. to be honest. Not a problem. I think I had it in three different accounts, and I think that's why you guys contacted me in the in the first place because it had a high risk super. So no. I wasn't Okay. worried about it then. Okay. Not a problem. And then as far to borrow, regard to borrowed money, are you sort of just happy you're sort of borrowing for a purchase of a home sort of in future? You don't really sort of Yeah. look at investing anything other than property at the moment? Yep. Yep. That would be the only thing I did with us. Yeah. Or borrow for. Sorry.","start_word":824,"end_word":1239,"sentiment":"neutral","sentiment_score":0.06307747743379039},{"text":"Perfect.","start_word":1240,"end_word":1240,"sentiment":"positive","sentiment_score":0.4906954765319824},{"text":"So that does bring you out there as growth investors too, which is still at eighty twenty split. So that's more than fine to leave you in the portfolio and just make that record of advice change as per the investment committee's decision, Yep. which is fine. In regards to insurances, obviously, you have the IP, but you wanna get canceled. Obviously, you don't have the life TBD in trauma insurance at the moment. As long as you're aware of, like, what they cover and the fact that you don't have them, that's more than fine to review in the future as well. We will touch on it each year, but you're Yep. fine sort of still not having, like, all types of insurance. Yeah. Yeah. Yes. Yep.","start_word":1241,"end_word":1368,"sentiment":"neutral","sentiment_score":0.0677415207028389},{"text":"That's good. Yeah. Perfect.","start_word":1369,"end_word":1372,"sentiment":"positive","sentiment_score":0.42208388447761536},{"text":"And within regards to your ongoing service agreement there, Lauren, now I wasn't sort of prepared to do your annual review just because it was meant to just be a little ad hoc call there. So I do apologize No. That's okay. for taking out It's more than your fine. time you're expecting. I I can get them to send out your annual review pack. Now within regards to that as well, it will have the ongoing service agreement. Now that is if you are happy to stay with the service for another twelve months. I know you sort of did have some concerns previously and potentially wanted to, you know, maybe not be part of the service and was sort of thinking about it. It's important to note that, like, obviously, with you staying on at the moment, you'd be agreeing to stay on board as an Okie client. You'd be have all the services under Okie Financial and their services they provide. And then Mhmm. with that, based on the fee at the moment, it'd be looking at around sort of 1,500 for the next twelve months in terms of a fee based on your current balance. But Yep. I just charge monthly if you ever did feel like you weren't getting enough out of service or did wanna move on as well. It's not a lock in contract.","start_word":1373,"end_word":1603,"sentiment":"neutral","sentiment_score":0.03929822894772797},{"text":"So as long as you're happy and sort of happy with how things are going, fantastic.","start_word":1604,"end_word":1619,"sentiment":"positive","sentiment_score":0.5951791405677795},{"text":"If ever you Yes. did wanna make some changes, you're not stuck. You're not holding your will. If it's something that you personally decide, we'll assist you on your way out. You don't have to start dodging our phone calls and things like that as well. Obviously, you know well I only well do that I only do that because I'm terrible at answering my phone, not because I'm trying to get rid of you. I'm okay. just terrible Not a problem. with my phone. So Right. Obviously, we're always happy to get some feedback. So if ever you do wanna leave a sort of review on sort of how we could improve, I'll give you some feedback information.","start_word":1620,"end_word":1738,"sentiment":"neutral","sentiment_score":0.04813625290989876},{"text":"That's more yeah. than fine as well. We're happy for that.","start_word":1739,"end_word":1749,"sentiment":"positive","sentiment_score":0.5557219386100769},{"text":"Yep. Within regards to you wanting to purchase a home with that money as well, we do have access to some mortgage brokers here that I could refer you on to once you sort of do receive that inheritance. So, Uh-huh. you know, you might oh, sorry? Oh, no. That's good. That was gonna be my next question. Like, with the money that I'm paying for you guys, that includes a mortgage broker? Yeah. Well, the way mortgage brokers are paid generally anyway, they do get their commissions from, like, the loans they set up with the providers anyway. Only sort of certain fee would charge you, like, an additional Yeah. fee. But we do have trusted partners here that we can sort of refer you on to. There is an in house one, but given that, he does get a little bit busy. So we also have some trusted partners we can pass you along to to have that discussion as well to assist you in your sort of lending needs as well and sort of your serviceability and things like that. Yeah.","start_word":1750,"end_word":1933,"sentiment":"neutral","sentiment_score":0.08337814198887866},{"text":"Perfect. That sounds great. Thank you. Keeps you nice.","start_word":1934,"end_word":1942,"sentiment":"positive","sentiment_score":0.6724412441253662},{"text":"Would you like sort of just to wait until you get the inheritance and then sort of start the process? Because they do move quite quickly in terms of, like, once they do have your details, they do give you a call and things like that as well. Are you Yeah. happy to I'll reach I'll out wait. once you yeah. Not I'll a problem. wait. It's just it's taking so much longer than I thought already. So I don't know how much Yep. longer I'm gonna be waiting, and that's why I'm thinking of just renting for twelve months and putting it into a 100 and just stay, but until know what's going on even though that sounds like a terrible financial choice. But Look. It's it's not not really in terms of, like, having the money there and sort of where you are financially. As long as you sort of have it there, it's an offensive portion. With the way the markets are anyway, if you were to invest it, the walk could go on for another to twelve months, and it could sort of take a bit of a dive, and interest Yes. rates sort of keep going up. So one thing to be mindful of is, you know, you know, you could do some now and sort of wait and sort of see the next interest rise as well, what that looks like. In terms of Yep. that, if it's whether you do term deposit, things like that, because, obviously, interest rate did jump up again the other day. So you Okay. would get a little bit more for it sitting there, which is something there. Yep. Okay. In terms of what next there, Lauren, so they will organize that annual review pack for you. We'll include that ongoing service agreement. Maybe a few other documents in terms of, like, your twelve month report, your certificate of currency as well. Just fill that churn just for now, and then I'll get them to organize the forms for you there to be able to cancel that policy for you. Yep. And then once all sort of that's signed, they'll still follow-up on the beneficiary forms. They'll get that sent out and then also your change of detail forms there as well.","start_word":1943,"end_word":2326,"sentiment":"neutral","sentiment_score":-0.005354071128143308},{"text":"But Perfect.","start_word":2327,"end_word":2328,"sentiment":"positive","sentiment_score":0.4580908715724945},{"text":"is there anything that I haven't covered today that you wanna have a conversation about, Lauren? Any concerns, questions, queries about the ongoing service agreement? What your sort of fees or anything like that? No. No. That's all good. I think it's covered most of it. So, no, that's that's good. I don't know what happened to those rooms because I remember putting my brother down, and I remember my mom witnessing it and stuff. So I don't know. Like, she had them at her house because that's my address. Like, that's my stable address, if that makes sense. Yeah. So they got posted there, and I went down to Victoria after Christmas a million. So I filled them all out. I thought that they got sent off. She was gonna do it for me. So I might just check-in with her and see if she definitely did or yeah. Anyway so I don't know what happened there, but yeah. We'll see if I That's can more track of them down. Otherwise, I'll fill them out again. yep. And then with that too, given that your brother sort of isn't a dependent on the Syslaw as well, it might not be a valid nomination at the time if anything was to occur. Just because he's Yep. not a dependent, he doesn't rely on you financially, things like that. You can try and prove interdependency where you do sort of provide financial, emotional support, things like that. Yes. But it's a lot, lot harder to prove, and they still might decide that it's not at the time of claim. So given Oh, if you okay. do wanna leave down family members, things like that, you can leave it to a legal person representative, which does fall to your state, and then that's where a will comes into place and things like that as well, if that makes sense. Yeah. Yeah. That makes sense. Yep. Obviously, you know, if you don't have anyone, you wanna put your brother and you don't have anyone else, you don't wanna leave it to the estate, you can do it. It sort of might just be a bit more of a logistical nightmare come you know, if something was to happen. But, you know, the chances are that you're probably gonna live a long, healthy life, and you might have a partner, things like that down the track, and you might change it anyway before anything does happen. It's just something to be mindful of. Yeah. Yeah. Okay.","start_word":2329,"end_word":2750,"sentiment":"neutral","sentiment_score":-0.006700372438153949},{"text":"Perfect. Alright. It's good to know. Thank you.","start_word":2751,"end_word":2758,"sentiment":"positive","sentiment_score":0.5829828977584839},{"text":"No problem, Lauren. Anything else you wanna chat with me about before I let you go? No. That's all good for now.","start_word":2759,"end_word":2780,"sentiment":"neutral","sentiment_score":0.14240646362304688},{"text":"Thank you for doing that at the same time.","start_word":2781,"end_word":2789,"sentiment":"positive","sentiment_score":0.41580525040626526},{"text":"No problem. Yeah. I thought I'd try and get it out of the way. So we're not bugging you in a few weeks time to try and get it done for you. Given there is a bit busy, I'll try and sort of get them to try and get it sorted in the next sort of this week with those forms and everything. There are a few things left together for that one. So I do apologize if it takes a little bit for those to come out. But, obviously, in regards to the insurances, it's, like, paid already, and the amount that will like, is remaining on the policy will get rebated to your account. Whatever is left, it's just proportionated. So, hopefully, we can get that sorted for you, and you might get a little bit of a refund back in your account. But I'm not too sure what that is depending on when the policy was paid for. Yep. Okay. No worries.","start_word":2790,"end_word":2954,"sentiment":"neutral","sentiment_score":-0.0033482539001852274},{"text":"Thank you. No problem, Lauren. Well, thanks for your time today. You enjoy the rest of your day. Hopefully, stay out of the rain and the dog's having a nice time. Perfect. Thank you.","start_word":2955,"end_word":2988,"sentiment":"positive","sentiment_score":0.5992927060407751},{"text":"I know he's barking every other dog we see. So it's it's having a nice time, but it's just not the best of the week, to be honest. Anyway yeah.","start_word":2989,"end_word":3018,"sentiment":"neutral","sentiment_score":0.08072815835475922},{"text":"Thank you.","start_word":3019,"end_word":3020,"sentiment":"positive","sentiment_score":0.4667169451713562},{"text":"No. Not a problem at all.","start_word":3021,"end_word":3026,"sentiment":"neutral","sentiment_score":0.1355077475309372},{"text":"Well, good luck with that.","start_word":3027,"end_word":3031,"sentiment":"positive","sentiment_score":0.4795743525028229},{"text":"We'll talk soon. Yeah.","start_word":3032,"end_word":3035,"sentiment":"neutral","sentiment_score":0.30074837803840637},{"text":"Thanks. See you.","start_word":3036,"end_word":3038,"sentiment":"positive","sentiment_score":0.519584596157074},{"text":"Bye. See you. Bye.","start_word":3039,"end_word":3042,"sentiment":"neutral","sentiment_score":0.23204810917377472}],"average":{"sentiment":"neutral","sentiment_score":0.049225754376067334}}}}