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Are you are you sure? Are you okay? Sorry. Feel like I woke you up. Oh, I am so sorry. You got the flu or yeah. Yuck. Yuck. Oh, have you got a bit of time off? I'm so sorry. Bit of write down time. Yeah. Oh, absolutely. Well, I hope you feel better soon. I understand. I was picked up long ago, so I completely get it. I can bring it down. Is now a good time to go through things? If you're not feeling well, I don't mind rescheduling to a better time for you. That's okay? Yeah. All good. I do know we send through some annual review documents to you to kinda go through. Are you able to look at your emails? If you can't, that's okay. I'm happy to go through it for you. Yep. Beautiful. And before we jump into the call send me them now for you. Yep. That's okay. All good. Hopefully, it comes through fairly quickly for you. Emails don't like me much today. There we go. It's set. It's set. Perfect. Before I jump in the call and go through things and discuss your personal information, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file. Yep. Fantastic. Thank you so much for that. Hopefully, the email pops through fairly soon there for you. Just let me know if it doesn't. If it doesn't look well, just double check your junk mail because sometimes I get directed through the junk section. Oh, excellent. Excellent. Now when you click on the sign button, you don't have to worry about that right now. But when you click on the sign button, it takes you through to the ongoing service agreement for the next twelve months. Obviously, as a client, you do pay the ongoing service fee, which is 1.65% per annum, and that is deducted out of consumer on a smaller monthly increment, and it does fluctuate the market as it is as it is a percentage based fee there for you. Okay? We've also attached this year a tax file opt in form, so we just have to validate the reasoning behind why we hold your tax phone number. So because we set up your statement within Hub twenty four there and help with the insurance side of things, we did have to hold your tax phone number on file. So we are very security conscious with everything. We just wanna make sure you're aware that we do hold that sensitive information on you, and that document outlines how and why and what security measures we take in order to keep that safe. Okay? Excellent. Now with the DocuSign the the Otusign there, sorry, if you're on the front page, if you scroll down just underneath the the wording that we've typed in there, you should have a couple of attachments. Can you see those there at all? Yep. Perfect. The main one that we're looking at is the superannuation and insurances. So the summary of superannuation and insurances, it should stay there. Yep. Beautiful. If you open that one up there, it just gives you an updated balance. That's okay. I do have that for you as well. No worries. So when I sort of look back this time last year, your balance then was about 56,605 and 97¢. So your balance sorry. Yep. Your balance now, as on the document there, you've got 64,205 and 94¢ there. So it has definitely increased on the year for you. Okay. Excellent. Within BT at the moment, that was as that originally is now owned by BT. The balance of the account's 2,640 and 27¢. So very minimum balance there. I know we did provide that advice last year, and it looks like it kind of did expire there. I did have a bit of a look at your file beforehand. I would like to update that advice just to reconfirm things for you and get everything moving and consolidated. But I also found some things I'd like to change within your portfolio and have 24 as well. So, realistically, everything's been performing quite nicely. We have seen a lot of market ups and downs this year, and probably, you know, have heard it all in the news of what's happening between The US and Iran. And here in Australia, we've also had high inflation rates, which does also have an effect on on, like, bonds and fixed interest investments as well. So having a look, most things are performing very, very nicely, but you did also have the Bennelong Australian Equities investment in your portfolio. Now the idea that's been originally placed in your portfolio was that Bennelong is an active manager. Essentially, the investment manager within Bennelong is trying to outperform the market, and this year, it has not been able to do so. And it hasn't necessarily been to do with the market. So when an investment isn't performing well, we wanna compare that against the rest of the market. And as a whole, as much as we're seeing ups and downs, the Australian market is actually performing quite well, and we're still fairly heavily overvalued at the moment. But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back. Essentially, the main reason that Bennelong is down at the moment is that one of its underlying investors, Corporate Traveler, had been dishonest to the market, to its investors, and then it got found out when it had to report. So it has had a trading halt, and it's now been investigated there as well. And then along can't remove that from its portfolio, but we can remove you from that alone. So I would like to if you're comfortable with me updating the advice again for you, I'd like to remove that from your investment and just maybe reevaluate all your other investments within hub twenty four as well as the BT one. We'll be consolidating everything for you and just updating everything as well and making sure it's working properly. Are you comfortable with me doing that this year for you? Yes. Mhmm. Yeah. That's absolutely fine. Yes. That's correct. Yeah. That is absolutely correct. So if we do to sell the investment while it is low, we are cementing a loss. Real at the moment, the loss in the portfolio, or earnings wise, it's showing $5,621. So we would be cementing that, which means your balance would be expected to be minus that $5,621. But what I would like to do is make sure that we put you into an investment that can make that money back nice and quick because we absolutely will be selling the lot. My biggest concern with not doing that at the moment is that Venlo continued to decrease, and it is, on most days, having a sell off. So that loss could actually increase more. I would much rather move that now, cement that loss now, put you into something that can make that money back in the right and quick rather than sort of watch it continue to decrease and then having to sell it down down the track. Does that make sense? Yep. Yep. No. Absolutely not. Mhmm. Mhmm. That's a really good question. And, no, not for yourself, Because your super fund is essentially a trust, it's its own entity, your super fund and the trust in the fund actually do a tax return every year just like you do. Cementing that loss doesn't affect your personal tax return or income in any way, shape, or form. It's just the loss that is realized by the super fund, and they will account for that as part of their normal tax process essentially. But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well. So we can kind of use that gain that loss to our advantage. There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to. There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon, but I can definitely see some areas that we could improve on moving forward for you. It's just that with this, even everything that's kinda going on globally, there has been some changes within the market, and it has sort of meant that it is worth updating people's portfolios now, making some changes, switching investments around, and looking at other ways to build additional gains for you as well. Does that make sense? Yeah. Fantastic. One of the things I wanted to ask you about was with that Benelon investment, now as I've kind of mentioned before, that was more of an actively managed fund. Did you want me to keep realistically, you are young. You've got a lot of time ahead of you before accessing CUPES. You can benefit from having some sort of active manager in your portfolio, but you do pay higher management fees to have active managers in your portfolio. Would you like me to continue having some sort of active management placed in there, or would you like me just to focus on maybe lower risk passive investments that might be cheaper, might save on fees, and can be, you know, compounded towards your retirement goals? What would you like to see? You are absolutely fine. Do you want me to sort of focus on having maybe an active manager in there in investments that is trying to outperform against the market? You take a bit more risk and pay more fees for doing that, or did you want just a portfolio that's lower cost, is cheaper on fees? I can look at I can look at time. Yeah. Would you like me to? Because I sort of have to make the recommendation either way. I've actually got an option for a portfolio that does have some active management in it, but it's also actually quite cheap, and it stays on investment fees. I can look at trying to incorporate both things if you want, reduce the fees in the portfolio, but also keep some active management in there for a little bit. Yeah. Yeah. Best of both worlds. Fantastic. All good. Not an issue at all. I was like, I always give you the option, but if you're really not sure, I do have options in between that can go both ways, so don't worry. Fantastic. Yep. Yep. You're absolutely fine. That's not a problem at all. What I'll do is I'll go back to the drawing board, just have a look at the options. I'll do a bit of research on the portfolio, on the super, everything there, and we'll look at what we can do for you. Okay? Easy done. The other thing to sort of look at is the insurance side of things. So one of the things we had in the advice document was that we were looking to increase your life and CBD cover to a million dollars and then looking at transferring it over so it could all be consolidated into hub twenty four. That was mostly because your mortgage on the property, which, hopefully, you guys have all had settled and moved into. Are you in there? Is it all built? Oh, no. I'm sorry. Oh, no. Oh gosh. No. I was hoping you would at least be in there or have it close to by now. No way. Yep. Yeah. Wow. Wow. Are they giving you any kind of time frame on how long before the whole thing should be built to hand over? Or yeah. Yeah. So sorry. Damn. I was really looking forward to this conversation. I was like, wow. Surely, you're in the house by now. Yeah. Oh, wow. Insane. Yes. Yes. You've had a lot going on. Understandable. Oh, goodness me. Oh, yuck. Yuck. Yeah. No. I agree with you there. Absolutely. When the property is built, we're still looking at a loan of about a million dollars. Yep. Okay. Beautiful. And with your wife and TPD cover, is it still appropriate that you wanted to be covered for that million? So in the event of you passing away, the life cover pays out the loan for your partner, and then, you know, your super balance is paid on top of that as an additional buffer. Is that still fairly appropriate life cover wise? Yep. Yeah. Absolutely. And then with total permanent disability, we were, again, covering you for a million dollars, which meant that if you were never able to go back to work again, that million dollars provides a buffer, pays off the mortgage, and then your super balance is paid out to also provide a buffer and then supplement his income moving forward. Does that still sound appropriate goal wise for TBD? Or yes. Yes. Beautiful. With your income for you're a yeah. Sure. Yeah. Yeah. So when you hold TBD inside super, they only give you an any occupation definition. So that means that you essentially have to be able to go back to work in any occupation for which you were educated, trained, or have worked at. Let me double check your policy because you also have a portion of your policy which is paid outside of super. And I just wanna double check whether that has the TBD side of it because I know you do have some income protection which is paid outside of super on a on a a monthly basis there as well. But sorry. Just going into the city of currency to double check because that summary doesn't have it. Okay. So with the city of currency, so the benefit paid outside of super to out of your pocket, that is that's the income protection part. And, yeah, the TBD benefit is only paid inside super, and it's definitely in any occupation. Yeah. It does mean it is a little bit hard to claim on an any occupation definition because if you were paying any of the, TPD outside of super, you would get access to the own definition, which means that you they would always assess the inside super portion first. But if you didn't meet that criteria, they can then assess you with the own occupation, which essentially is that you're unable to get back to work in the occupation that you worked prior to the disability, essentially, which, as you can imagine, would be a much easier definition to claim TBD on. Yeah. Yeah. Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket? Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds? Yeah. Yep. Yep. Absolutely. I can add that into into the research for you to see if it's possible to get some of that paid out. No. You are absolutely fine. Like, it's got it's your goal, so it's gotta be what you want it to be. Even if I can't get that policy altered in that way, I can always look at adding a little bit of CBD outside of Super and just kind of, you know, giving you that option as well. So that's absolutely fine. One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you. But I will absolutely have a look at that and see what we can do. Perfect. Now we've also got income protection. That is essentially paid I think it's got a bit inside paper and a little bit outside paper. I'm just opening that ticket currently up for you. The only downside to the BT and the Asgard policies is they're all individual. They're linked. So it's a just it's a different document for each one. Yeah. So with your income protection policy, part of it is paid inside super and part of it paid outside of super. The outside of super portion is only a small amount. You're paying about $42.49 on a a monthly basis at the moment there with the amount you are covered for. So the monthly benefit covered is $4,889. That is a pretax amount. So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that. So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on. And, normally, they can't sort of cover you for more than 70 to 75% of your current income. I can double check the amount of benefits. Do you want me to look at maybe increasing the income protection policy for you? Do you feel like that benefit's sufficient in the event you're not able to go to work? What's your thoughts there? Mhmm. Yeah. 23 100 a fortnight. Okay. Do you remember what your income was last financial year? Total growth? Nope. That's okay. That's alright. The 2,300 take home net per fortnight. That gives us 26. About 59,800. Because I had you on about 70,000 last year, and that looks like it's pretty close to what you'd be on pretax. With the income protection side of things, they generally don't let you be covered for more than 70 percent. Older policies can be 75, and I'll double check whether yours can be 75 or 70%. Covering yourself for anything more than that doesn't really work out to your benefit because what happens is when you go to claim, they'll ask for your, like, payslip, your past tax returns, and things like that, and they'll look at what income you were on prior to you being off work and unable to go to work. And they essentially only pay out the maximum that you're able to be covered for based on that income. So if you have a higher level of cover, it's right you're paying for it. It's there, but there's no depending on what your income is, they may not actually pay that amount, which means you could be paying for cover that you can't actually claim on, which is pretty pointless. Yeah. If I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis. So you're a bit over insured at the moment. If I work it out on 75%, which is what they used to pay 2021 allow, and your policy is back from a lot before that. It shouldn't be a problem, and I'll double check the rules. 75. It's 70,000 means it would be 4,375 as a monthly benefit amount. So at the moment, you're slightly over insured. If you're comfortable, I can go back and work out exactly what you would need based on the cover eligibility and just alter it to make sure you're not overpaying or not underinsured? Yes. Yep. That's okay. That's alright. If if I can get you just to double check, even just your group certificate or that they put into your MyGov account, I'll get my colleague, Samantha, to give you a call over the next few days just to sort of follow that one up. But if you can get an idea of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way. Okay? When you're better. Okay. Beautiful. Oh, no. They make it hard, don't they? Shocking. No. All good. Now the other there is one other type of insurance that we do also and can look at, and that is trauma. Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions. You can't hold trauma inside of it. It is a a policy you can only hold out and pay for out of your back pocket. Did you wanna look at maybe getting some trauma cover, or are you happy just with the life PPD and income protection? Yep. Yep. Beautiful. When you think about trauma and the level of cover you might want, what would you be wanting to pay out in that sort of an instance? Do you know is it maybe one or two years worth of net or gross income? Are you wanting to cover the mortgage? What sort of cover level would you be comfortable with? That's okay. If you like, what I could do is I could look at maybe one year's worth of gross income for you as part of the advice and show you what the cost is. But then in the appendices, I could also put some additional quotes to show you two or three or five years worth of gross income. Does that sound okay? Would you like to sort of see that, or what would you think? Yes. Yes. Absolutely. And then if you decide you wanna kind of alter that, come back and let me know. We can go back and alter the recommendation. It just sort of shows you what it is. I think one of the big things with trauma is that it is an out of pocket cost. So you are paying that premium every month the same as you are with your income protection outside of Duke at the moment. So having a set level of cover and a lot of people like one or two years worth of income because it means if they had, like, a major diagnosis, they could take a year or two off. Trauma's the first thing we claim on. You can then if you still can't go to work, claim on income protection and CPD and things like that. It's just that this is giving you a starting buffer whilst you're on the waiting period for income protection and whilst you're going through the process of, you know, trying to work out whether you'll ever go back to work again to claim on CBD. Yep. Beautiful. All good. Do you have any questions? I know I go through a lot with the insurances, but do you have any questions in relation to any of that? No? That's okay. The other thing we looked at last year was making salary sacrifice contributions, and we were starting to look at sort of $50 on a weekly basis. As part of the advice update, do you want me to refactor in salary and additional contributions to super? Yes. That's okay. And $50 per week, is that still fairly appropriate and comfortable, or did you wanna change that amount? That's okay? Beautiful. Excellent. Lovely. No worries at all. And with updating the advice, is there any changes to your health that we would maybe need to factor in? Nope. That's okay. Fantastic. How's all the pain? How's the ankylosing spondylosis? Is everything okay that way? Still having lots of pain or still on medication? Yeah. Yes. And Yep. Beautiful. Are you on any particular anti inflammatory, or is he just giving you just an over the counter one? Mobic. Beautiful. Lovely. And you said with the Humira, it's just still just one injection per day? Per fortnight. Perfect. Excellent. Good to see. Thank you so much for updating that. I'll go back and just reevaluate the insurances and update the advice there for you and factor in what we'll do with your super as well to sort of make it easier. Okay. Excellent. Easy. Just to update no. Absolutely. I love the government. They make everything so hard. Oh, and that's okay. If you can't get into it, don't worry. I'll send you an email after the call, and I'll get my admin team member, Samantha, to follow-up over the next few days there for you as well. But if you need some time just to rest and get better, that's absolutely okay. Alright. All good. Retirement wise, we're still tracking towards 60 for your retirement goal, hoping to retire by then? Well, 60 is the earliest we can inside the for the moment. If you are wanting to look at exactly. If they ever change that, I'll let you know. I'll be the first one to give you a call going, guess what? If you do wanna look at yeah. I'm trying too. Not gonna lie. If you do wanna look at, you know, trying to retire earlier, we can always look at, you know, building about that side of things like that. But based on super at the moment, '60 is the earliest. And as I said, if anything changes down the track, I'll absolutely let you know. Okay? The retirement income, we still think we're we're hoping to get about $1,500 a week in retirement income wise. Does that still sound appropriate? Yep. Beautiful. I've also got down here. So the loan expected on the new property when that is fully built to be about a million dollars. I've also got here the estimated value when that is fully built to be a million. As much as that is a few months down the track, what sort of estimated value do you think that might be when you do get handover? Yeah. That's it. I can just sort of note expected a million if you'd like. Yep. Beautiful. Excellent. I've got contents down here, estimated value at about 150,000. Would you alter or change that at all? That'll be okay? Beautiful. I've also got the 2012 Kailax. Do you still have that vehicle? Oh, no. Oh, that's a shame. What did you have to replace that with? What did you have to replace that with? Oh, wow. A form. It's not a bad car in any way, shape, or form. Not quite a Hilux, but it's still a good car. Yeah. No. Not as durable as the Hilux is. That's for sure. Yeah. Yeah. No. That's all good. What sort of what sort of value would you put on that? I know. I know. I get to be nosy for a living. It's pretty cool. I'm not gonna lie. 60. Beautiful. Excellent. And do you have a loan on that vehicle or owned outright? Outright. Beautiful. And then savings, we had you having about 3,000 in savings. Do you still have that or have a bit more in savings? Beautiful. Lovely. And anything else that we need to note down value wise? Do you have any other shares, cryptocurrency, tools of trade, or any collections that are valued? Nope. That's okay. Beautiful. And then the other thing to look at is the estate planning side of things. So just double checking. I don't have a beneficiary nomination, which is kind of really important. I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination. I'm assuming you want everything to kinda go to your partner to make sure he is looked after and covered. But without a beneficiary nomination in place, it means that that the super has to go through what's basically a probate process where it has to kinda go to the estate without having a beneficiary nominated, goes to the court system. People from your past and family can come forward and make a claim, which means it may not get directed to where you want it to go. So it is really important that we have that beneficiary nomination set up. I am gonna get the team to send one to you tomorrow or Monday. Is email or post easier for you? What would be best? Email? Beautiful. I'll get them to have that sent through. If you can just fill it out, I'll send some directions on how to complete the nomination. And then once we get that back, we can have that applied. I just don't want that to be, you know, no beneficiary nomination applied right now. It's all gotta be looked after. So it's all in the event something happens, I mean, I don't want anything to happen to you, Steven, but in the event that something was to occur, if you were to pass away right now, you know, it's not protected. So we just wanna make sure that all your i's and d's and p's are crossed. Okay? Some other hard questions for you. When it comes to beneficiary nominations, you have three types of nominations you can choose from. One is a nonbinding nomination. That in my book is a pretty useful nomination. You're ticking the box. You're putting the nomination on file, but the trustee gets the ultimate decision. He can choose whether or not to pay that nomination as per your wishes. Me, personally, I would never tick that box. You also have a binding lapsing nomination, which means you have to redo the beneficiary form every three years, or you can do a binding non lapsing, which means you fill the nomination format now, we have it applied, and you never have to fill another one out until things change or you wanna change that beneficiary. Which one would you like me to pick for you? Absolutely. Yeah. Absolutely. I know. I thought I sort of put it that way. I'm like, look. The first two are pretty much a no go. The third one's always the best one to do, and we check that nomination with you every year, so it's absolutely fine. Okay. X. Oh, fantastic. 70 7,000. Yep. That's okay. So I will base your income protection policy on 77,000 for you. Then there we go. Perfect. Easy. Thank you for that. Sorry. It took me so long to get in there. Painful at my job, isn't it? Yeah. I know. I do too. Oh, yep. Yep. Yep. Absolutely. Yep. Oh, goodness, man. It's a painful thing. I we did. I always think with these sorts of things, the person who builds them sits there and goes, what can we do to annoy the most amount of people we possibly can on a regular basis? Let's do it this way. It's shocking, isn't it? Oh, goodness me. The only other thing to sort of double check is extended to wise. Are you guys managing to put much in the way of savings away on a regular basis? Yep. Perfect. Is that per week or fortnight or month? Per fortnight. Beautiful. Excellent. And then any changes to your role at work? I've got occupation as a machine operator. Have you had any promotions or still in the same employment? Yep. Oh, not good enough. And I just need to update Next of Kin contact phone number as well because I don't have that on file here. But can I grab your partner's phone number as Next of Kin as well? There we go. If you know it, I'm so sorry. Yep. Yep. 482. Fantastic. Thank you for that. Beautiful. And then medium term goals we had down here is that over the next to the five years, paying off personal loans and credit cards. I don't actually have any personal loans or credit cards noted down. Do you still have those debts to pay off? Nope. All done? Perfect. So goal wise, over the next one, two, three, or even ten years, what other goals do you have, if any, that you are hoping to sort of achieve? I have some mortgage. I love that. Yep. Hopefully, we get some decreases in interest rates in that time frame. I don't yeah. I know. I don't either. I think it's just gonna can you continue to go up until we can't service loans anymore, and then it will start to decrease the way it did, and there will be a vicious cycle. It will keep doing the exact same thing for the next thirty odd years. Yeah. Yeah. No. I understand that. I just spent the last four weeks pulling apart legislation with all the changes from the budget with the capital gains, with the CGT, with the negative gearing, the estimate of that stuff, and all of its and pieces. I just had to pull apart all the legislation so I could change advice and alter advice in relation to it to make sure people are still meeting goals. So that's fun. Yeah. No. They brought that in very fast and very much out of the blue. So, yeah, it's all kinda changing over the course of the next year or two and trust in the next three years as well. So there's a lot of changes coming in that we've had to kinda factor into advice very quickly to make sure that it's all still working hard. But yeah. It'll be fine. It's what we do. The government makes decisions, and we all maneuver everything to make sure it'll still work. I do. Absolutely. Absolutely. And now that's so I know. I know. I was shocked. I actually was sick over the weekend, and I was, asleep on Monday. And I got that text message that someone woke up and went, that's right. That was occurring. And it turns out so many people didn't get it. It didn't work properly, and I was like, well, that was a waste of time. So So we gotta get back to the drawing board and start again. More money wasted. Yep. It's insane. Correct. Absolutely. I could think of a million things that would be much better. Oh god. Yeah. No. That's it. That's it. That's it. That's it. That's it. That's exactly right. Anyone who wants to be in politics should automatically be excluded from being allowed to do it. That, unfortunately, would leave us with no one, but, I mean, yeah, better than that one. It's it's insane. The people who make decisions and get in there and then tell us they're not gonna make changes, and then they change everything anyway. It's like, hang on a second. How do we trust anyone anymore? Shocking. They are. They absolutely are. No. Understandable. Well, I don't I do wanna let you go back and have a rest, but the last thing just to sort of double check is the profile side of things. So at the moment, you are in that growth portfolio. It's where you see 80% of your people invest in those growth assets. So, like, Australian shares, international shares, listed property, and commodities like gold and silver. And then the other 20 in low risk defensive investments, the things like cash, loans, and fixed interest. A growth portfolio, you're looking to try and average about nine so seven to 9% on a yearly basis. It suits someone who's not accessing their money for about six years, which you have more than that time ahead of you, and we do expect the likelihood of a negative return to be about one in every sort of five years or so. When we sort of look at that, so your time horizon for your with your stage in life, you are suited to the growth environment. But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are. If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling? Do you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime? Are you a bit nervous maybe calling us and seeing what we suggest to do, or are you feeling very concerned and maybe wanting to sell the investment down to to cash or fund a a lower risk portfolio? How do you think you might react? Yep. Absolutely. Perfect. Yeah. Yeah. Absolutely. Fantastic. The next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds? Do you feel like you'd be comfortable if you have the right advice? Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it? You would only ever borrow for, say, buying property. How do you think you feel? Mhmm. Yep. Perfect. Lovely. Have you ever owned investments like shares in your own name in the car? No. That's okay. Beautiful. The other one I've ticked off here is that you're looking to try and get the best return you possibly can, say 8% and above on a yearly basis. That sounds about right. You're happy for me to tick that box? Yeah. Beautiful. Excellent. So, realistically, the risk level with the the growth portfolio, if you think of risk out of another between one and five, one being all in cash, not taking much risk in the market, five being the highest level of risk, all in equities, you're sitting at about a three. So you are kinda middle of the range. Do you feel like that's fairly comfortable for where you are? You sort of scored in that range so that growth portfolio does suit you, but just making sure you're fairly comfortable in that range. Yep. Beautiful. Excellent. Lovely. Well, what I'll do is I'll reassess the insurances. I'll go back and see what I can find for you. We'll update the advice to reflect. I will also just go back and look at the super, the investments, how everything's performing between your BP super, your old Asgard super, and also hub. Look at consolidating everything over and look at what we can do to get that sorted for you. I'll update the advice. It takes about four weeks for me to complete that now for you. Am I okay to book you in now for, say, in four weeks to go through that with you, Steven? Yeah. Beautiful. So that brings us up until oh, that's the August 27. Is what day normally suits you better through the week to go through this? Monday to Thursday? Yeah. Absolutely. And is it sort of afternoon after, say, three, four, or 05:00 that works better for you? Yep. Beautiful. What if I put you in for Monday, August 24? I can book it out for, say, four or 05:00. What would you prefer? Yep. Perfect. Easy done. I'll book that out there for you. It is a couple of weeks away, so I'll add a text message reminder so it sends you a message today of to let you know that you are booked in. And if anything comes up, if you find you can't make that appointment, that's okay. Just let us know. We'll happily reschedule it. No issues at all. But I just wanna make sure I have you in and booked in ready to go through that one in about four weeks, and I'll just complete the research in the meantime there. Okay? Beautiful. Yep. Yeah. Absolutely. If you like well yeah. Normally, we said at the time of, but what I can do is I can let my team know that we need all of that done on the Thursday prior, and I can email it to you on the Thursday. That way, you can read through the document, then we can go through it together, and you can have any questions pre prepared to make it easier on you. Okay? Yeah. That's okay. It is a lot to go through. If you remember the last statement of advice, there's a lot of sections. So if I have it sent to you on the Thursday prior, that way you can go through it over the course of the weekend. And then on the Monday afternoon, we can talk it through. Okay? Easy. All good. Is there any questions that you might have for me? Anything you think I maybe haven't touched base on or wanted to kind of ask me as part of the call? Yeah. Yeah. Beautiful. Excellent. Well, if there's anything further or I need any additional information, I'll make sure my team come back and ask. In the meantime, I'll get exactly to that research for you, and I'll aim to have it all sorted and ready to go on the Thursday, the twentieth. That way, I can email it through to you before the call. Okay? Easy. No worries at all. Thank you so much for taking my call. I hope you feel better. If you can just take some time to thank you. Take some time to have a look at the annual review documents. Once you're happy to sign and return them back to me, if you can do so, that would be fantastic, and we'll get everything sorted for you. And I'll get those beneficiary nominations sent out to you ASAP as well. Okay. That's the ongoing yeah. Yeah. That's the ongoing service agreement. Yeah. Yeah. You're you are you are absolutely fine. It sounds like you're ready for bed, and I've taken up way too much of your time. But I really appreciate you taking my call this afternoon. I hope you feel better soon. Thanks, David. Talk to you soon. Have a good afternoon. Thanks. 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Steven. It's Dana from Open Financial. How are you this afternoon? Yeah. I'm good.\n\nThank you. I had people need to go through an annual review with you. Is now still a good time? Are you are you sure? Are you okay?\n\nSorry. Feel like I woke you up. Oh, I am so sorry. You got the flu or yeah. Yuck.\n\nYuck. Oh, have you got a bit of time off? I'm so sorry. Bit of write down time. Yeah.\n\nOh, absolutely. Well, I hope you feel better soon. I understand. I was picked up long ago, so I completely get it. I can bring it down.\n\nIs now a good time to go through things? If you're not feeling well, I don't mind rescheduling to a better time for you. That's okay? Yeah. All good.\n\nI do know we send through some annual review documents to you to kinda go through. Are you able to look at your emails? If you can't, that's okay. I'm happy to go through it for you. Yep.\n\nBeautiful. And before we jump into the call send me them now for you. Yep. That's okay. All good.\n\nHopefully, it comes through fairly quickly for you. Emails don't like me much today. There we go. It's set. It's set.\n\nPerfect. Before I jump in the call and go through things and discuss your personal information, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file.\n\nYep. Fantastic. Thank you so much for that. Hopefully, the email pops through fairly soon there for you. Just let me know if it doesn't.\n\nIf it doesn't look well, just double check your junk mail because sometimes I get directed through the junk section. Oh, excellent. Excellent. Now when you click on the sign button, you don't have to worry about that right now. But when you click on the sign button, it takes you through to the ongoing service agreement for the next twelve months.\n\nObviously, as a client, you do pay the ongoing service fee, which is 1.65% per annum, and that is deducted out of consumer on a smaller monthly increment, and it does fluctuate the market as it is as it is a percentage based fee there for you. Okay? We've also attached this year a tax file opt in form, so we just have to validate the reasoning behind why we hold your tax phone number. So because we set up your statement within Hub twenty four there and help with the insurance side of things, we did have to hold your tax phone number on file. So we are very security conscious with everything.\n\nWe just wanna make sure you're aware that we do hold that sensitive information on you, and that document outlines how and why and what security measures we take in order to keep that safe. Okay? Excellent. Now with the DocuSign the the Otusign there, sorry, if you're on the front page, if you scroll down just underneath the the wording that we've typed in there, you should have a couple of attachments. Can you see those there at all?\n\nYep. Perfect. The main one that we're looking at is the superannuation and insurances. So the summary of superannuation and insurances, it should stay there. Yep.\n\nBeautiful. If you open that one up there, it just gives you an updated balance. That's okay. I do have that for you as well. No worries.\n\nSo when I sort of look back this time last year, your balance then was about 56,605 and 97¢. So your balance sorry. Yep. Your balance now, as on the document there, you've got 64,205 and 94¢ there. So it has definitely increased on the year for you.\n\nOkay. Excellent. Within BT at the moment, that was as that originally is now owned by BT. The balance of the account's 2,640 and 27¢. So very minimum balance there.\n\nI know we did provide that advice last year, and it looks like it kind of did expire there. I did have a bit of a look at your file beforehand. I would like to update that advice just to reconfirm things for you and get everything moving and consolidated. But I also found some things I'd like to change within your portfolio and have 24 as well. So, realistically, everything's been performing quite nicely.\n\nWe have seen a lot of market ups and downs this year, and probably, you know, have heard it all in the news of what's happening between The US and Iran. And here in Australia, we've also had high inflation rates, which does also have an effect on on, like, bonds and fixed interest investments as well. So having a look, most things are performing very, very nicely, but you did also have the Bennelong Australian Equities investment in your portfolio. Now the idea that's been originally placed in your portfolio was that Bennelong is an active manager. Essentially, the investment manager within Bennelong is trying to outperform the market, and this year, it has not been able to do so.\n\nAnd it hasn't necessarily been to do with the market. So when an investment isn't performing well, we wanna compare that against the rest of the market. And as a whole, as much as we're seeing ups and downs, the Australian market is actually performing quite well, and we're still fairly heavily overvalued at the moment. But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back. Essentially, the main reason that Bennelong is down at the moment is that one of its underlying investors, Corporate Traveler, had been dishonest to the market, to its investors, and then it got found out when it had to report.\n\nSo it has had a trading halt, and it's now been investigated there as well. And then along can't remove that from its portfolio, but we can remove you from that alone. So I would like to if you're comfortable with me updating the advice again for you, I'd like to remove that from your investment and just maybe reevaluate all your other investments within hub twenty four as well as the BT one. We'll be consolidating everything for you and just updating everything as well and making sure it's working properly. Are you comfortable with me doing that this year for you?\n\nYes. Mhmm. Yeah. That's absolutely fine. Yes.\n\nThat's correct. Yeah. That is absolutely correct. So if we do to sell the investment while it is low, we are cementing a loss. Real at the moment, the loss in the portfolio, or earnings wise, it's showing $5,621.\n\nSo we would be cementing that, which means your balance would be expected to be minus that $5,621. But what I would like to do is make sure that we put you into an investment that can make that money back nice and quick because we absolutely will be selling the lot. My biggest concern with not doing that at the moment is that Venlo continued to decrease, and it is, on most days, having a sell off. So that loss could actually increase more. I would much rather move that now, cement that loss now, put you into something that can make that money back in the right and quick rather than sort of watch it continue to decrease and then having to sell it down down the track.\n\nDoes that make sense? Yep. Yep. No. Absolutely not.\n\nMhmm. Mhmm. That's a really good question. And, no, not for yourself, Because your super fund is essentially a trust, it's its own entity, your super fund and the trust in the fund actually do a tax return every year just like you do. Cementing that loss doesn't affect your personal tax return or income in any way, shape, or form.\n\nIt's just the loss that is realized by the super fund, and they will account for that as part of their normal tax process essentially. But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well. So we can kind of use that gain that loss to our advantage. There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to. There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon, but I can definitely see some areas that we could improve on moving forward for you.\n\nIt's just that with this, even everything that's kinda going on globally, there has been some changes within the market, and it has sort of meant that it is worth updating people's portfolios now, making some changes, switching investments around, and looking at other ways to build additional gains for you as well. Does that make sense? Yeah. Fantastic. One of the things I wanted to ask you about was with that Benelon investment, now as I've kind of mentioned before, that was more of an actively managed fund.\n\nDid you want me to keep realistically, you are young. You've got a lot of time ahead of you before accessing CUPES. You can benefit from having some sort of active manager in your portfolio, but you do pay higher management fees to have active managers in your portfolio. Would you like me to continue having some sort of active management placed in there, or would you like me just to focus on maybe lower risk passive investments that might be cheaper, might save on fees, and can be, you know, compounded towards your retirement goals? What would you like to see?\n\nYou are absolutely fine. Do you want me to sort of focus on having maybe an active manager in there in investments that is trying to outperform against the market? You take a bit more risk and pay more fees for doing that, or did you want just a portfolio that's lower cost, is cheaper on fees? I can look at I can look at time. Yeah.\n\nWould you like me to? Because I sort of have to make the recommendation either way. I've actually got an option for a portfolio that does have some active management in it, but it's also actually quite cheap, and it stays on investment fees. I can look at trying to incorporate both things if you want, reduce the fees in the portfolio, but also keep some active management in there for a little bit. Yeah.\n\nYeah. Best of both worlds. Fantastic. All good. Not an issue at all.\n\nI was like, I always give you the option, but if you're really not sure, I do have options in between that can go both ways, so don't worry. Fantastic. Yep. Yep. You're absolutely fine.\n\nThat's not a problem at all. What I'll do is I'll go back to the drawing board, just have a look at the options. I'll do a bit of research on the portfolio, on the super, everything there, and we'll look at what we can do for you. Okay? Easy done.\n\nThe other thing to sort of look at is the insurance side of things. So one of the things we had in the advice document was that we were looking to increase your life and CBD cover to a million dollars and then looking at transferring it over so it could all be consolidated into hub twenty four. That was mostly because your mortgage on the property, which, hopefully, you guys have all had settled and moved into. Are you in there? Is it all built?\n\nOh, no. I'm sorry. Oh, no. Oh gosh. No.\n\nI was hoping you would at least be in there or have it close to by now. No way. Yep. Yeah. Wow.\n\nWow. Are they giving you any kind of time frame on how long before the whole thing should be built to hand over? Or yeah. Yeah. So sorry.\n\nDamn. I was really looking forward to this conversation. I was like, wow. Surely, you're in the house by now. Yeah.\n\nOh, wow. Insane. Yes. Yes. You've had a lot going on.\n\nUnderstandable. Oh, goodness me. Oh, yuck. Yuck. Yeah.\n\nNo. I agree with you there. Absolutely. When the property is built, we're still looking at a loan of about a million dollars. Yep.\n\nOkay. Beautiful. And with your wife and TPD cover, is it still appropriate that you wanted to be covered for that million? So in the event of you passing away, the life cover pays out the loan for your partner, and then, you know, your super balance is paid on top of that as an additional buffer. Is that still fairly appropriate life cover wise?\n\nYep. Yeah. Absolutely. And then with total permanent disability, we were, again, covering you for a million dollars, which meant that if you were never able to go back to work again, that million dollars provides a buffer, pays off the mortgage, and then your super balance is paid out to also provide a buffer and then supplement his income moving forward. Does that still sound appropriate goal wise for TBD?\n\nOr yes. Yes. Beautiful. With your income for you're a yeah. Sure.\n\nYeah. Yeah. So when you hold TBD inside super, they only give you an any occupation definition. So that means that you essentially have to be able to go back to work in any occupation for which you were educated, trained, or have worked at. Let me double check your policy because you also have a portion of your policy which is paid outside of super.\n\nAnd I just wanna double check whether that has the TBD side of it because I know you do have some income protection which is paid outside of super on a on a a monthly basis there as well. But sorry. Just going into the city of currency to double check because that summary doesn't have it. Okay. So with the city of currency, so the benefit paid outside of super to out of your pocket, that is that's the income protection part.\n\nAnd, yeah, the TBD benefit is only paid inside super, and it's definitely in any occupation. Yeah. It does mean it is a little bit hard to claim on an any occupation definition because if you were paying any of the, TPD outside of super, you would get access to the own definition, which means that you they would always assess the inside super portion first. But if you didn't meet that criteria, they can then assess you with the own occupation, which essentially is that you're unable to get back to work in the occupation that you worked prior to the disability, essentially, which, as you can imagine, would be a much easier definition to claim TBD on. Yeah.\n\nYeah. Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket? Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds? Yeah. Yep.\n\nYep. Absolutely. I can add that into into the research for you to see if it's possible to get some of that paid out. No. You are absolutely fine.\n\nLike, it's got it's your goal, so it's gotta be what you want it to be. Even if I can't get that policy altered in that way, I can always look at adding a little bit of CBD outside of Super and just kind of, you know, giving you that option as well. So that's absolutely fine. One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you. But I will absolutely have a look at that and see what we can do.\n\nPerfect. Now we've also got income protection. That is essentially paid I think it's got a bit inside paper and a little bit outside paper. I'm just opening that ticket currently up for you. The only downside to the BT and the Asgard policies is they're all individual.\n\nThey're linked. So it's a just it's a different document for each one. Yeah. So with your income protection policy, part of it is paid inside super and part of it paid outside of super. The outside of super portion is only a small amount.\n\nYou're paying about $42.49 on a a monthly basis at the moment there with the amount you are covered for. So the monthly benefit covered is $4,889. That is a pretax amount. So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that. So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on.\n\nAnd, normally, they can't sort of cover you for more than 70 to 75% of your current income. I can double check the amount of benefits. Do you want me to look at maybe increasing the income protection policy for you? Do you feel like that benefit's sufficient in the event you're not able to go to work? What's your thoughts there?\n\nMhmm. Yeah. 23 100 a fortnight. Okay. Do you remember what your income was last financial year?\n\nTotal growth? Nope. That's okay. That's alright. The 2,300 take home net per fortnight.\n\nThat gives us 26. About 59,800. Because I had you on about 70,000 last year, and that looks like it's pretty close to what you'd be on pretax. With the income protection side of things, they generally don't let you be covered for more than 70 percent. Older policies can be 75, and I'll double check whether yours can be 75 or 70%.\n\nCovering yourself for anything more than that doesn't really work out to your benefit because what happens is when you go to claim, they'll ask for your, like, payslip, your past tax returns, and things like that, and they'll look at what income you were on prior to you being off work and unable to go to work. And they essentially only pay out the maximum that you're able to be covered for based on that income. So if you have a higher level of cover, it's right you're paying for it. It's there, but there's no depending on what your income is, they may not actually pay that amount, which means you could be paying for cover that you can't actually claim on, which is pretty pointless. Yeah.\n\nIf I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis. So you're a bit over insured at the moment. If I work it out on 75%, which is what they used to pay 2021 allow, and your policy is back from a lot before that. It shouldn't be a problem, and I'll double check the rules. 75.\n\nIt's 70,000 means it would be 4,375 as a monthly benefit amount. So at the moment, you're slightly over insured. If you're comfortable, I can go back and work out exactly what you would need based on the cover eligibility and just alter it to make sure you're not overpaying or not underinsured? Yes. Yep.\n\nThat's okay. That's alright. If if I can get you just to double check, even just your group certificate or that they put into your MyGov account, I'll get my colleague, Samantha, to give you a call over the next few days just to sort of follow that one up. But if you can get an idea of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way. Okay?\n\nWhen you're better. Okay. Beautiful. Oh, no. They make it hard, don't they?\n\nShocking. No. All good. Now the other there is one other type of insurance that we do also and can look at, and that is trauma. Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions.\n\nYou can't hold trauma inside of it. It is a a policy you can only hold out and pay for out of your back pocket. Did you wanna look at maybe getting some trauma cover, or are you happy just with the life PPD and income protection? Yep. Yep.\n\nBeautiful. When you think about trauma and the level of cover you might want, what would you be wanting to pay out in that sort of an instance? Do you know is it maybe one or two years worth of net or gross income? Are you wanting to cover the mortgage? What sort of cover level would you be comfortable with?\n\nThat's okay. If you like, what I could do is I could look at maybe one year's worth of gross income for you as part of the advice and show you what the cost is. But then in the appendices, I could also put some additional quotes to show you two or three or five years worth of gross income. Does that sound okay? Would you like to sort of see that, or what would you think?\n\nYes. Yes. Absolutely. And then if you decide you wanna kind of alter that, come back and let me know. We can go back and alter the recommendation.\n\nIt just sort of shows you what it is. I think one of the big things with trauma is that it is an out of pocket cost. So you are paying that premium every month the same as you are with your income protection outside of Duke at the moment. So having a set level of cover and a lot of people like one or two years worth of income because it means if they had, like, a major diagnosis, they could take a year or two off. Trauma's the first thing we claim on.\n\nYou can then if you still can't go to work, claim on income protection and CPD and things like that. It's just that this is giving you a starting buffer whilst you're on the waiting period for income protection and whilst you're going through the process of, you know, trying to work out whether you'll ever go back to work again to claim on CBD. Yep. Beautiful. All good.\n\nDo you have any questions? I know I go through a lot with the insurances, but do you have any questions in relation to any of that? No? That's okay. The other thing we looked at last year was making salary sacrifice contributions, and we were starting to look at sort of $50 on a weekly basis.\n\nAs part of the advice update, do you want me to refactor in salary and additional contributions to super? Yes. That's okay. And $50 per week, is that still fairly appropriate and comfortable, or did you wanna change that amount? That's okay?\n\nBeautiful. Excellent. Lovely. No worries at all. And with updating the advice, is there any changes to your health that we would maybe need to factor in?\n\nNope. That's okay. Fantastic. How's all the pain? How's the ankylosing spondylosis?\n\nIs everything okay that way? Still having lots of pain or still on medication? Yeah. Yes. And Yep.\n\nBeautiful. Are you on any particular anti inflammatory, or is he just giving you just an over the counter one? Mobic. Beautiful. Lovely.\n\nAnd you said with the Humira, it's just still just one injection per day? Per fortnight. Perfect. Excellent. Good to see.\n\nThank you so much for updating that. I'll go back and just reevaluate the insurances and update the advice there for you and factor in what we'll do with your super as well to sort of make it easier. Okay. Excellent. Easy.\n\nJust to update no. Absolutely. I love the government. They make everything so hard. Oh, and that's okay.\n\nIf you can't get into it, don't worry. I'll send you an email after the call, and I'll get my admin team member, Samantha, to follow-up over the next few days there for you as well. But if you need some time just to rest and get better, that's absolutely okay. Alright. All good.\n\nRetirement wise, we're still tracking towards 60 for your retirement goal, hoping to retire by then? Well, 60 is the earliest we can inside the for the moment. If you are wanting to look at exactly. If they ever change that, I'll let you know. I'll be the first one to give you a call going, guess what?\n\nIf you do wanna look at yeah. I'm trying too. Not gonna lie. If you do wanna look at, you know, trying to retire earlier, we can always look at, you know, building about that side of things like that. But based on super at the moment, '60 is the earliest.\n\nAnd as I said, if anything changes down the track, I'll absolutely let you know. Okay? The retirement income, we still think we're we're hoping to get about $1,500 a week in retirement income wise. Does that still sound appropriate? Yep.\n\nBeautiful. I've also got down here. So the loan expected on the new property when that is fully built to be about a million dollars. I've also got here the estimated value when that is fully built to be a million. As much as that is a few months down the track, what sort of estimated value do you think that might be when you do get handover?\n\nYeah. That's it. I can just sort of note expected a million if you'd like. Yep. Beautiful.\n\nExcellent. I've got contents down here, estimated value at about 150,000. Would you alter or change that at all? That'll be okay? Beautiful.\n\nI've also got the 2012 Kailax. Do you still have that vehicle? Oh, no. Oh, that's a shame. What did you have to replace that with?\n\nWhat did you have to replace that with? Oh, wow. A form. It's not a bad car in any way, shape, or form. Not quite a Hilux, but it's still a good car.\n\nYeah. No. Not as durable as the Hilux is. That's for sure. Yeah.\n\nYeah. No. That's all good. What sort of what sort of value would you put on that? I know.\n\nI know. I get to be nosy for a living. It's pretty cool. I'm not gonna lie. 60.\n\nBeautiful. Excellent. And do you have a loan on that vehicle or owned outright? Outright. Beautiful.\n\nAnd then savings, we had you having about 3,000 in savings. Do you still have that or have a bit more in savings? Beautiful. Lovely. And anything else that we need to note down value wise?\n\nDo you have any other shares, cryptocurrency, tools of trade, or any collections that are valued? Nope. That's okay. Beautiful. And then the other thing to look at is the estate planning side of things.\n\nSo just double checking. I don't have a beneficiary nomination, which is kind of really important. I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination. I'm assuming you want everything to kinda go to your partner to make sure he is looked after and covered. But without a beneficiary nomination in place, it means that that the super has to go through what's basically a probate process where it has to kinda go to the estate without having a beneficiary nominated, goes to the court system.\n\nPeople from your past and family can come forward and make a claim, which means it may not get directed to where you want it to go. So it is really important that we have that beneficiary nomination set up. I am gonna get the team to send one to you tomorrow or Monday. Is email or post easier for you? What would be best?\n\nEmail? Beautiful. I'll get them to have that sent through. If you can just fill it out, I'll send some directions on how to complete the nomination. And then once we get that back, we can have that applied.\n\nI just don't want that to be, you know, no beneficiary nomination applied right now. It's all gotta be looked after. So it's all in the event something happens, I mean, I don't want anything to happen to you, Steven, but in the event that something was to occur, if you were to pass away right now, you know, it's not protected. So we just wanna make sure that all your i's and d's and p's are crossed. Okay?\n\nSome other hard questions for you. When it comes to beneficiary nominations, you have three types of nominations you can choose from. One is a nonbinding nomination. That in my book is a pretty useful nomination. You're ticking the box.\n\nYou're putting the nomination on file, but the trustee gets the ultimate decision. He can choose whether or not to pay that nomination as per your wishes. Me, personally, I would never tick that box. You also have a binding lapsing nomination, which means you have to redo the beneficiary form every three years, or you can do a binding non lapsing, which means you fill the nomination format now, we have it applied, and you never have to fill another one out until things change or you wanna change that beneficiary. Which one would you like me to pick for you?\n\nAbsolutely. Yeah. Absolutely. I know. I thought I sort of put it that way.\n\nI'm like, look. The first two are pretty much a no go. The third one's always the best one to do, and we check that nomination with you every year, so it's absolutely fine. Okay. X.\n\nOh, fantastic. 70 7,000. Yep. That's okay. So I will base your income protection policy on 77,000 for you.\n\nThen there we go. Perfect. Easy. Thank you for that. Sorry.\n\nIt took me so long to get in there. Painful at my job, isn't it? Yeah. I know. I do too.\n\nOh, yep. Yep. Yep. Absolutely. Yep.\n\nOh, goodness, man. It's a painful thing. I we did. I always think with these sorts of things, the person who builds them sits there and goes, what can we do to annoy the most amount of people we possibly can on a regular basis? Let's do it this way.\n\nIt's shocking, isn't it? Oh, goodness me. The only other thing to sort of double check is extended to wise. Are you guys managing to put much in the way of savings away on a regular basis? Yep.\n\nPerfect. Is that per week or fortnight or month? Per fortnight. Beautiful. Excellent.\n\nAnd then any changes to your role at work? I've got occupation as a machine operator. Have you had any promotions or still in the same employment? Yep. Oh, not good enough.\n\nAnd I just need to update Next of Kin contact phone number as well because I don't have that on file here. But can I grab your partner's phone number as Next of Kin as well? There we go. If you know it, I'm so sorry. Yep.\n\nYep. 482. Fantastic. Thank you for that. Beautiful.\n\nAnd then medium term goals we had down here is that over the next to the five years, paying off personal loans and credit cards. I don't actually have any personal loans or credit cards noted down. Do you still have those debts to pay off? Nope. All done?\n\nPerfect. So goal wise, over the next one, two, three, or even ten years, what other goals do you have, if any, that you are hoping to sort of achieve? I have some mortgage. I love that. Yep.\n\nHopefully, we get some decreases in interest rates in that time frame. I don't yeah. I know. I don't either. I think it's just gonna can you continue to go up until we can't service loans anymore, and then it will start to decrease the way it did, and there will be a vicious cycle.\n\nIt will keep doing the exact same thing for the next thirty odd years. Yeah. Yeah. No. I understand that.\n\nI just spent the last four weeks pulling apart legislation with all the changes from the budget with the capital gains, with the CGT, with the negative gearing, the estimate of that stuff, and all of its and pieces. I just had to pull apart all the legislation so I could change advice and alter advice in relation to it to make sure people are still meeting goals. So that's fun. Yeah. No.\n\nThey brought that in very fast and very much out of the blue. So, yeah, it's all kinda changing over the course of the next year or two and trust in the next three years as well. So there's a lot of changes coming in that we've had to kinda factor into advice very quickly to make sure that it's all still working hard. But yeah. It'll be fine.\n\nIt's what we do. The government makes decisions, and we all maneuver everything to make sure it'll still work. I do. Absolutely. Absolutely.\n\nAnd now that's so I know. I know. I was shocked. I actually was sick over the weekend, and I was, asleep on Monday. And I got that text message that someone woke up and went, that's right.\n\nThat was occurring. And it turns out so many people didn't get it. It didn't work properly, and I was like, well, that was a waste of time. So So we gotta get back to the drawing board and start again. More money wasted.\n\nYep. It's insane. Correct. Absolutely. I could think of a million things that would be much better.\n\nOh god. Yeah. No. That's it. That's it.\n\nThat's it. That's it. That's it. That's exactly right. Anyone who wants to be in politics should automatically be excluded from being allowed to do it.\n\nThat, unfortunately, would leave us with no one, but, I mean, yeah, better than that one. It's it's insane. The people who make decisions and get in there and then tell us they're not gonna make changes, and then they change everything anyway. It's like, hang on a second. How do we trust anyone anymore?\n\nShocking. They are. They absolutely are. No. Understandable.\n\nWell, I don't I do wanna let you go back and have a rest, but the last thing just to sort of double check is the profile side of things. So at the moment, you are in that growth portfolio. It's where you see 80% of your people invest in those growth assets. So, like, Australian shares, international shares, listed property, and commodities like gold and silver. And then the other 20 in low risk defensive investments, the things like cash, loans, and fixed interest.\n\nA growth portfolio, you're looking to try and average about nine so seven to 9% on a yearly basis. It suits someone who's not accessing their money for about six years, which you have more than that time ahead of you, and we do expect the likelihood of a negative return to be about one in every sort of five years or so. When we sort of look at that, so your time horizon for your with your stage in life, you are suited to the growth environment. But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are. If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling?\n\nDo you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime? Are you a bit nervous maybe calling us and seeing what we suggest to do, or are you feeling very concerned and maybe wanting to sell the investment down to to cash or fund a a lower risk portfolio? How do you think you might react? Yep. Absolutely.\n\nPerfect. Yeah. Yeah. Absolutely. Fantastic.\n\nThe next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds? Do you feel like you'd be comfortable if you have the right advice? Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it? You would only ever borrow for, say, buying property. How do you think you feel?\n\nMhmm. Yep. Perfect. Lovely. Have you ever owned investments like shares in your own name in the car?\n\nNo. That's okay. Beautiful. The other one I've ticked off here is that you're looking to try and get the best return you possibly can, say 8% and above on a yearly basis. That sounds about right.\n\nYou're happy for me to tick that box? Yeah. Beautiful. Excellent. So, realistically, the risk level with the the growth portfolio, if you think of risk out of another between one and five, one being all in cash, not taking much risk in the market, five being the highest level of risk, all in equities, you're sitting at about a three.\n\nSo you are kinda middle of the range. Do you feel like that's fairly comfortable for where you are? You sort of scored in that range so that growth portfolio does suit you, but just making sure you're fairly comfortable in that range. Yep. Beautiful.\n\nExcellent. Lovely. Well, what I'll do is I'll reassess the insurances. I'll go back and see what I can find for you. We'll update the advice to reflect.\n\nI will also just go back and look at the super, the investments, how everything's performing between your BP super, your old Asgard super, and also hub. Look at consolidating everything over and look at what we can do to get that sorted for you. I'll update the advice. It takes about four weeks for me to complete that now for you. Am I okay to book you in now for, say, in four weeks to go through that with you, Steven?\n\nYeah. Beautiful. So that brings us up until oh, that's the August 27. Is what day normally suits you better through the week to go through this? Monday to Thursday?\n\nYeah. Absolutely. And is it sort of afternoon after, say, three, four, or 05:00 that works better for you? Yep. Beautiful.\n\nWhat if I put you in for Monday, August 24? I can book it out for, say, four or 05:00. What would you prefer? Yep. Perfect.\n\nEasy done. I'll book that out there for you. It is a couple of weeks away, so I'll add a text message reminder so it sends you a message today of to let you know that you are booked in. And if anything comes up, if you find you can't make that appointment, that's okay. Just let us know.\n\nWe'll happily reschedule it. No issues at all. But I just wanna make sure I have you in and booked in ready to go through that one in about four weeks, and I'll just complete the research in the meantime there. Okay? Beautiful.\n\nYep. Yeah. Absolutely. If you like well yeah. Normally, we said at the time of, but what I can do is I can let my team know that we need all of that done on the Thursday prior, and I can email it to you on the Thursday.\n\nThat way, you can read through the document, then we can go through it together, and you can have any questions pre prepared to make it easier on you. Okay? Yeah. That's okay. It is a lot to go through.\n\nIf you remember the last statement of advice, there's a lot of sections. So if I have it sent to you on the Thursday prior, that way you can go through it over the course of the weekend. And then on the Monday afternoon, we can talk it through. Okay? Easy.\n\nAll good. Is there any questions that you might have for me? Anything you think I maybe haven't touched base on or wanted to kind of ask me as part of the call? Yeah. Yeah.\n\nBeautiful. Excellent. Well, if there's anything further or I need any additional information, I'll make sure my team come back and ask. In the meantime, I'll get exactly to that research for you, and I'll aim to have it all sorted and ready to go on the Thursday, the twentieth. That way, I can email it through to you before the call.\n\nOkay? Easy. No worries at all. Thank you so much for taking my call. I hope you feel better.\n\nIf you can just take some time to thank you. Take some time to have a look at the annual review documents. Once you're happy to sign and return them back to me, if you can do so, that would be fantastic, and we'll get everything sorted for you. And I'll get those beneficiary nominations sent out to you ASAP as well. Okay.\n\nThat's the ongoing yeah. Yeah. That's the ongoing service agreement. Yeah. Yeah.\n\nYou're you are you are absolutely fine. It sounds like you're ready for bed, and I've taken up way too much of your time. But I really appreciate you taking my call this afternoon. I hope you feel better soon. Thanks, David.\n\nTalk to you soon. Have a good afternoon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.1458708941936493},{"text":"It's Dana from Open Financial.","start":5.3599997,"end":6.98,"sentiment":"neutral","sentiment_score":0.21631766855716705},{"text":"How are you this afternoon?","start":7.12,"end":8.34,"sentiment":"neutral","sentiment_score":0.2627116024494171},{"text":"Yeah.","start":10.16,"end":10.48,"sentiment":"positive","sentiment_score":0.4470762610435486},{"text":"I'm good.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.633167177438736}],"sentiment":"neutral","sentiment_score":0.2933532506227493,"num_words":15,"start":4.72,"end":10.88},{"sentences":[{"text":"Thank you.","start":10.88,"end":11.36,"sentiment":"positive","sentiment_score":0.6904037594795227},{"text":"I had people need to go through an annual review with you.","start":11.36,"end":13.92,"sentiment":"neutral","sentiment_score":0.19444780486325422},{"text":"Is now still a good time?","start":13.92,"end":15.38,"sentiment":"neutral","sentiment_score":0.12193665777643521},{"text":"Are you are you sure?","start":17.485,"end":18.765,"sentiment":"neutral","sentiment_score":0.05521529093384743},{"text":"Are you okay?","start":18.765,"end":19.485,"sentiment":"neutral","sentiment_score":0.037576861679553986}],"sentiment":"neutral","sentiment_score":0.17266457727445023,"num_words":28,"start":10.88,"end":19.485},{"sentences":[{"text":"Sorry.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":-0.10515950620174408},{"text":"Feel like I woke you up.","start":20.525,"end":21.985,"sentiment":"neutral","sentiment_score":-0.19603454818328223},{"text":"Oh, I am so sorry.","start":25.404999,"end":28.064999,"sentiment":"neutral","sentiment_score":-0.13121067881584167},{"text":"You got the flu or yeah.","start":28.285,"end":30.785,"sentiment":"neutral","sentiment_score":-0.15609583724290133},{"text":"Yuck.","start":37.14,"end":37.64,"sentiment":"neutral","sentiment_score":-0.07634288817644119}],"sentiment":"neutral","sentiment_score":-0.1552809526849734,"num_words":19,"start":19.485,"end":37.64},{"sentences":[{"text":"Yuck.","start":38.82,"end":39.32,"sentiment":"neutral","sentiment_score":-0.048843514174222946},{"text":"Oh, have you got a bit of time off?","start":40.019997,"end":41.78,"sentiment":"neutral","sentiment_score":-0.03565184006260501},{"text":"I'm so sorry.","start":41.78,"end":42.76,"sentiment":"neutral","sentiment_score":-0.09595456471045812},{"text":"Bit of write down time.","start":44.135,"end":45.274998,"sentiment":"neutral","sentiment_score":-0.09885186851024627},{"text":"Yeah.","start":47.815,"end":48.315,"sentiment":"neutral","sentiment_score":-0.06142288446426392}],"sentiment":"neutral","sentiment_score":-0.06385557873076514,"num_words":19,"start":38.82,"end":48.315},{"sentences":[{"text":"Oh, absolutely.","start":52.295,"end":52.954998,"sentiment":"neutral","sentiment_score":0.0807918943464756},{"text":"Well, I hope you feel better soon.","start":53.254997,"end":55.175,"sentiment":"neutral","sentiment_score":0.17037372610398702},{"text":"I understand.","start":55.175,"end":55.735,"sentiment":"neutral","sentiment_score":0.03328086994588375},{"text":"I was picked up long ago, so I completely get it.","start":55.735,"end":58.51,"sentiment":"neutral","sentiment_score":-0.08909215168519453},{"text":"I can bring it down.","start":58.51,"end":59.809998,"sentiment":"neutral","sentiment_score":-0.09119419157505035}],"sentiment":"neutral","sentiment_score":-0.0005638153740653286,"num_words":27,"start":52.295,"end":59.809998},{"sentences":[{"text":"Is now a good time to go through things?","start":60.35,"end":62.269997,"sentiment":"neutral","sentiment_score":0.043985363095998764},{"text":"If you're not feeling well, I don't mind rescheduling to a better time for you.","start":62.269997,"end":66.21,"sentiment":"neutral","sentiment_score":-0.12860716482003529},{"text":"That's okay?","start":68.11,"end":68.93,"sentiment":"neutral","sentiment_score":0.01650440227240324},{"text":"Yeah.","start":69.229996,"end":69.729996,"sentiment":"neutral","sentiment_score":0.049249596893787384},{"text":"All good.","start":70.674995,"end":71.415,"sentiment":"neutral","sentiment_score":0.2288548648357391}],"sentiment":"neutral","sentiment_score":-0.03425072666642995,"num_words":29,"start":60.35,"end":71.415},{"sentences":[{"text":"I do know we send through some annual review documents to you to kinda go through.","start":71.795,"end":76.055,"sentiment":"neutral","sentiment_score":0.13223768258467317},{"text":"Are you able to look at your emails?","start":76.275,"end":78.034996,"sentiment":"neutral","sentiment_score":0.06237435480579734},{"text":"If you can't, that's okay.","start":78.034996,"end":79.235,"sentiment":"neutral","sentiment_score":0.06408357545733452},{"text":"I'm happy to go through it for you.","start":79.235,"end":81.174995,"sentiment":"positive","sentiment_score":0.4072515219449997},{"text":"Yep.","start":83.715,"end":84.195,"sentiment":"neutral","sentiment_score":0.19154104590415957}],"sentiment":"neutral","sentiment_score":0.16802023311978892,"num_words":38,"start":71.795,"end":84.195},{"sentences":[{"text":"Beautiful.","start":84.195,"end":84.695,"sentiment":"positive","sentiment_score":0.3344365358352661},{"text":"And before we jump into the call send me them now for you.","start":85.47,"end":90.29,"sentiment":"neutral","sentiment_score":0.07022578097306766},{"text":"Yep.","start":91.71001,"end":92.11,"sentiment":"neutral","sentiment_score":0.11749710887670516},{"text":"That's okay.","start":92.11,"end":92.850006,"sentiment":"neutral","sentiment_score":0.1797560304403305},{"text":"All good.","start":93.55,"end":94.21001,"sentiment":"neutral","sentiment_score":0.31410056352615356}],"sentiment":"neutral","sentiment_score":0.123820104489201,"num_words":19,"start":84.195,"end":94.21001},{"sentences":[{"text":"Hopefully, it comes through fairly quickly for you.","start":95.23,"end":97.55,"sentiment":"neutral","sentiment_score":0.26442825980484486},{"text":"Emails don't like me much today.","start":97.55,"end":103.225,"sentiment":"neutral","sentiment_score":-0.16330788657069206},{"text":"There we go.","start":103.604996,"end":104.564995,"sentiment":"neutral","sentiment_score":0.04899362847208977},{"text":"It's set.","start":104.564995,"end":105.125,"sentiment":"neutral","sentiment_score":0.14492761343717575},{"text":"It's set.","start":105.125,"end":105.845,"sentiment":"neutral","sentiment_score":0.16718652844429016}],"sentiment":"neutral","sentiment_score":0.09079942515208608,"num_words":21,"start":95.23,"end":105.845},{"sentences":[{"text":"Perfect.","start":105.845,"end":106.345,"sentiment":"positive","sentiment_score":0.34718143939971924},{"text":"Before I jump in the call and go through things and discuss your personal information, just to let you know, we do record our calls for quality and training purposes.","start":106.805,"end":113.305,"sentiment":"neutral","sentiment_score":0.11068232879042625},{"text":"Are you happy for me to proceed with that moving forward?","start":114.02,"end":116.84,"sentiment":"neutral","sentiment_score":0.24065439673987302},{"text":"Fantastic.","start":118.74,"end":119.24,"sentiment":"positive","sentiment_score":0.7178659439086914},{"text":"And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file.","start":119.38,"end":125.159996,"sentiment":"neutral","sentiment_score":0.19484998561717845}],"sentiment":"neutral","sentiment_score":0.1756237888974803,"num_words":70,"start":105.845,"end":125.159996},{"sentences":[{"text":"Yep.","start":128.01999,"end":128.415,"sentiment":"neutral","sentiment_score":0.027538053691387177},{"text":"Fantastic.","start":133.055,"end":133.555,"sentiment":"positive","sentiment_score":0.60954749584198},{"text":"Thank you so much for that.","start":133.855,"end":135.635,"sentiment":"positive","sentiment_score":0.729284793138504},{"text":"Hopefully, the email pops through fairly soon there for you.","start":136.015,"end":139.215,"sentiment":"positive","sentiment_score":0.5146721601486206},{"text":"Just let me know if it doesn't.","start":139.215,"end":140.73499,"sentiment":"neutral","sentiment_score":-0.004395187433276858}],"sentiment":"positive","sentiment_score":0.4051499839127064,"num_words":25,"start":128.01999,"end":140.73499},{"sentences":[{"text":"If it doesn't look well, just double check your junk mail because sometimes I get directed through the junk section.","start":140.73499,"end":148.72,"sentiment":"neutral","sentiment_score":-0.1528804998844862},{"text":"Oh, excellent.","start":148.72,"end":149.46,"sentiment":"positive","sentiment_score":0.3401736468076706},{"text":"Excellent.","start":149.68001,"end":150.18001,"sentiment":"positive","sentiment_score":0.4335439205169678},{"text":"Now when you click on the sign button, you don't have to worry about that right now.","start":150.32,"end":153.6,"sentiment":"neutral","sentiment_score":0.3113924054538502},{"text":"But when you click on the sign button, it takes you through to the ongoing service agreement for the next twelve months.","start":153.6,"end":158.74,"sentiment":"neutral","sentiment_score":0.2331012866713784}],"sentiment":"neutral","sentiment_score":0.13674484541819942,"num_words":62,"start":140.73499,"end":158.74},{"sentences":[{"text":"Obviously, as a client, you do pay the ongoing service fee, which is 1.65% per annum, and that is deducted out of consumer on a smaller monthly increment, and it does fluctuate the market as it is as it is a percentage based fee there for you.","start":159.125,"end":174.165,"sentiment":"neutral","sentiment_score":0.22422331444760588},{"text":"Okay?","start":174.165,"end":174.665,"sentiment":"neutral","sentiment_score":0.10477733612060548},{"text":"We've also attached this year a tax file opt in form, so we just have to validate the reasoning behind why we hold your tax phone number.","start":175.26,"end":183.26,"sentiment":"neutral","sentiment_score":0.12785267222810676},{"text":"So because we set up your statement within Hub twenty four there and help with the insurance side of things, we did have to hold your tax phone number on file.","start":183.26,"end":191.16501,"sentiment":"neutral","sentiment_score":0.1320549892562051},{"text":"So we are very security conscious with everything.","start":191.16501,"end":193.585,"sentiment":"neutral","sentiment_score":0.10488734766840935}],"sentiment":"neutral","sentiment_score":0.16691314661058418,"num_words":114,"start":159.125,"end":193.585},{"sentences":[{"text":"We just wanna make sure you're aware that we do hold that sensitive information on you, and that document outlines how and why and what security measures we take in order to keep that safe.","start":193.885,"end":203.72,"sentiment":"neutral","sentiment_score":0.12584751205784933},{"text":"Okay?","start":203.78,"end":204.28,"sentiment":"neutral","sentiment_score":0.057153843343257904},{"text":"Excellent.","start":206.02,"end":206.52,"sentiment":"neutral","sentiment_score":0.18116214871406555},{"text":"Now with the DocuSign the the Otusign there, sorry, if you're on the front page, if you scroll down just underneath the the wording that we've typed in there, you should have a couple of attachments.","start":207.38,"end":218.795,"sentiment":"neutral","sentiment_score":0.03539226178286804},{"text":"Can you see those there at all?","start":218.935,"end":220.555,"sentiment":"neutral","sentiment_score":0.022159924464566366}],"sentiment":"neutral","sentiment_score":0.0759027476189658,"num_words":80,"start":193.885,"end":220.555},{"sentences":[{"text":"Yep.","start":227.255,"end":227.755,"sentiment":"neutral","sentiment_score":0.07210925221443176},{"text":"Perfect.","start":228.215,"end":228.715,"sentiment":"neutral","sentiment_score":0.2473374307155609},{"text":"The main one that we're looking at is the superannuation and insurances.","start":228.855,"end":232.78,"sentiment":"neutral","sentiment_score":0.09720299796511729},{"text":"So the summary of superannuation and insurances, it should stay there.","start":232.78,"end":236.4,"sentiment":"neutral","sentiment_score":0.14094678312540054},{"text":"Yep.","start":237.81999,"end":238.22,"sentiment":"neutral","sentiment_score":0.12045349925756454}],"sentiment":"neutral","sentiment_score":0.1214134912364758,"num_words":26,"start":227.255,"end":238.22},{"sentences":[{"text":"Beautiful.","start":238.22,"end":238.45999,"sentiment":"neutral","sentiment_score":0.04365146532654762},{"text":"If you open that one up there, it just gives you an updated balance.","start":238.45999,"end":241.51999,"sentiment":"neutral","sentiment_score":0.11742327521954264},{"text":"That's okay.","start":247.66501,"end":248.30501,"sentiment":"positive","sentiment_score":0.3374463766813278},{"text":"I do have that for you as well.","start":248.30501,"end":249.985,"sentiment":"positive","sentiment_score":0.3754578195512295},{"text":"No worries.","start":249.985,"end":250.725,"sentiment":"neutral","sentiment_score":0.13610807806253433}],"sentiment":"neutral","sentiment_score":0.20882773275176683,"num_words":27,"start":238.22,"end":250.725},{"sentences":[{"text":"So when I sort of look back this time last year, your balance then was about 56,605 and 97¢.","start":252.30501,"end":259.925,"sentiment":"neutral","sentiment_score":0.07588724823047717},{"text":"So your balance sorry.","start":260.67,"end":262.27,"sentiment":"neutral","sentiment_score":0.08233863394707441},{"text":"Yep.","start":262.27,"end":262.59,"sentiment":"neutral","sentiment_score":0.2417832612991333},{"text":"Your balance now, as on the document there, you've got 64,205 and 94¢ there.","start":262.59,"end":269.23,"sentiment":"neutral","sentiment_score":0.29575065122200894},{"text":"So it has definitely increased on the year for you.","start":269.23,"end":271.97,"sentiment":"positive","sentiment_score":0.6042512416839599}],"sentiment":"neutral","sentiment_score":0.2570517206078638,"num_words":48,"start":252.30501,"end":271.97},{"sentences":[{"text":"Okay.","start":273.805,"end":274.305,"sentiment":"positive","sentiment_score":0.5619642734527588},{"text":"Excellent.","start":274.365,"end":274.865,"sentiment":"positive","sentiment_score":0.3710513412952423},{"text":"Within BT at the moment, that was as that originally is now owned by BT.","start":275.16498,"end":280.94498,"sentiment":"neutral","sentiment_score":0.0887999432782332},{"text":"The balance of the account's 2,640 and 27¢.","start":281.16498,"end":285.085,"sentiment":"neutral","sentiment_score":0.08395196976406234},{"text":"So very minimum balance there.","start":285.085,"end":287.18002,"sentiment":"neutral","sentiment_score":0.07217885181307793}],"sentiment":"neutral","sentiment_score":0.11081285556328707,"num_words":30,"start":273.805,"end":287.18002},{"sentences":[{"text":"I know we did provide that advice last year, and it looks like it kind of did expire there.","start":287.40002,"end":292.6,"sentiment":"neutral","sentiment_score":0.04544387483283093},{"text":"I did have a bit of a look at your file beforehand.","start":292.6,"end":294.68002,"sentiment":"neutral","sentiment_score":0.08327186821649472},{"text":"I would like to update that advice just to reconfirm things for you and get everything moving and consolidated.","start":294.68002,"end":299.98,"sentiment":"neutral","sentiment_score":0.18507656553073934},{"text":"But I also found some things I'd like to change within your portfolio and have 24 as well.","start":300.965,"end":306.085,"sentiment":"neutral","sentiment_score":0.06083463297949897},{"text":"So, realistically, everything's been performing quite nicely.","start":306.085,"end":309.865,"sentiment":"neutral","sentiment_score":0.2620856612920761}],"sentiment":"neutral","sentiment_score":0.11078365077575048,"num_words":75,"start":287.40002,"end":309.865},{"sentences":[{"text":"We have seen a lot of market ups and downs this year, and probably, you know, have heard it all in the news of what's happening between The US and Iran.","start":310.085,"end":318.52002,"sentiment":"neutral","sentiment_score":-0.1574278006991071},{"text":"And here in Australia, we've also had high inflation rates, which does also have an effect on on, like, bonds and fixed interest investments as well.","start":319.06003,"end":329.0,"sentiment":"neutral","sentiment_score":-0.014765460760547565},{"text":"So having a look, most things are performing very, very nicely, but you did also have the Bennelong Australian Equities investment in your portfolio.","start":329.775,"end":337.07498,"sentiment":"neutral","sentiment_score":0.15387079678475857},{"text":"Now the idea that's been originally placed in your portfolio was that Bennelong is an active manager.","start":337.535,"end":342.675,"sentiment":"neutral","sentiment_score":0.05612436813466689},{"text":"Essentially, the investment manager within Bennelong is trying to outperform the market, and this year, it has not been able to do so.","start":343.455,"end":350.65,"sentiment":"neutral","sentiment_score":-0.06012360929794933}],"sentiment":"neutral","sentiment_score":-0.0165288713568252,"num_words":121,"start":310.085,"end":350.65},{"sentences":[{"text":"And it hasn't necessarily been to do with the market.","start":350.65,"end":353.21,"sentiment":"neutral","sentiment_score":-0.10996925868093968},{"text":"So when an investment isn't performing well, we wanna compare that against the rest of the market.","start":353.21,"end":358.67,"sentiment":"neutral","sentiment_score":-0.11390857661471647},{"text":"And as a whole, as much as we're seeing ups and downs, the Australian market is actually performing quite well, and we're still fairly heavily overvalued at the moment.","start":359.055,"end":367.795,"sentiment":"neutral","sentiment_score":-0.08202394059505956},{"text":"But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back.","start":368.255,"end":377.3,"sentiment":"negative","sentiment_score":-0.39455411451704364},{"text":"Essentially, the main reason that Bennelong is down at the moment is that one of its underlying investors, Corporate Traveler, had been dishonest to the market, to its investors, and then it got found out when it had to report.","start":377.84,"end":389.915,"sentiment":"negative","sentiment_score":-0.4963886789977551}],"sentiment":"neutral","sentiment_score":-0.2975786132308153,"num_words":130,"start":350.65,"end":389.915},{"sentences":[{"text":"So it has had a trading halt, and it's now been investigated there as well.","start":390.615,"end":395.51498,"sentiment":"negative","sentiment_score":-0.45183690985043845},{"text":"And then along can't remove that from its portfolio, but we can remove you from that alone.","start":395.655,"end":400.47,"sentiment":"neutral","sentiment_score":-0.28846658590961904},{"text":"So I would like to if you're comfortable with me updating the advice again for you, I'd like to remove that from your investment and just maybe reevaluate all your other investments within hub twenty four as well as the BT one.","start":400.63,"end":414.925,"sentiment":"neutral","sentiment_score":0.014133211979199024},{"text":"We'll be consolidating everything for you and just updating everything as well and making sure it's working properly.","start":415.305,"end":421.545,"sentiment":"neutral","sentiment_score":0.2454546300901307},{"text":"Are you comfortable with me doing that this year for you?","start":421.545,"end":424.285,"sentiment":"neutral","sentiment_score":0.11076331206343391}],"sentiment":"neutral","sentiment_score":-0.05292534884246229,"num_words":103,"start":390.615,"end":424.285},{"sentences":[{"text":"Yes.","start":427.225,"end":427.725,"sentiment":"neutral","sentiment_score":0.11019490659236908},{"text":"Mhmm.","start":433.33,"end":433.83,"sentiment":"neutral","sentiment_score":-0.14171352982521057},{"text":"Yeah.","start":446.965,"end":447.285,"sentiment":"neutral","sentiment_score":-0.013162912800908089},{"text":"That's absolutely fine.","start":447.285,"end":448.82498,"sentiment":"neutral","sentiment_score":0.024717245250940323},{"text":"Yes.","start":450.245,"end":450.745,"sentiment":"neutral","sentiment_score":-0.013169482350349426}],"sentiment":"neutral","sentiment_score":0.002328673909817423,"num_words":7,"start":427.225,"end":450.745},{"sentences":[{"text":"That's correct.","start":452.805,"end":453.625,"sentiment":"neutral","sentiment_score":0.04274999909102917},{"text":"Yeah.","start":454.93,"end":455.25,"sentiment":"neutral","sentiment_score":0.049025438725948334},{"text":"That is absolutely correct.","start":455.25,"end":456.61,"sentiment":"neutral","sentiment_score":0.1356852501630783},{"text":"So if we do to sell the investment while it is low, we are cementing a loss.","start":456.61,"end":461.66998,"sentiment":"neutral","sentiment_score":-0.27569230382933335},{"text":"Real at the moment, the loss in the portfolio, or earnings wise, it's showing $5,621.","start":461.81,"end":469.65,"sentiment":"neutral","sentiment_score":-0.2579676300287247}],"sentiment":"neutral","sentiment_score":-0.20202608148639017,"num_words":39,"start":452.805,"end":469.65},{"sentences":[{"text":"So we would be cementing that, which means your balance would be expected to be minus that $5,621.","start":469.65,"end":476.60498,"sentiment":"neutral","sentiment_score":-0.22307289971245658},{"text":"But what I would like to do is make sure that we put you into an investment that can make that money back nice and quick because we absolutely will be selling the lot.","start":476.665,"end":485.32498,"sentiment":"neutral","sentiment_score":0.1710439612815047},{"text":"My biggest concern with not doing that at the moment is that Venlo continued to decrease, and it is, on most days, having a sell off.","start":485.96,"end":496.03998,"sentiment":"negative","sentiment_score":-0.6388190067731417},{"text":"So that loss could actually increase more.","start":496.03998,"end":498.69998,"sentiment":"negative","sentiment_score":-0.6890262705939156},{"text":"I would much rather move that now, cement that loss now, put you into something that can make that money back in the right and quick rather than sort of watch it continue to decrease and then having to sell it down down the track.","start":498.92502,"end":510.68503,"sentiment":"neutral","sentiment_score":-0.12867953611744776}],"sentiment":"neutral","sentiment_score":-0.19556057466767154,"num_words":130,"start":469.65,"end":510.68503},{"sentences":[{"text":"Does that make sense?","start":510.68503,"end":511.74503,"sentiment":"neutral","sentiment_score":-0.025418038479983807},{"text":"Yep.","start":514.04504,"end":514.44,"sentiment":"positive","sentiment_score":0.3932361602783203},{"text":"Yep.","start":516.52,"end":517.02,"sentiment":"neutral","sentiment_score":0.2166033387184143},{"text":"No.","start":519.4,"end":519.9,"sentiment":"neutral","sentiment_score":-0.16819147765636444},{"text":"Absolutely not.","start":519.96,"end":521.1,"sentiment":"neutral","sentiment_score":-0.16386477649211884}],"sentiment":"neutral","sentiment_score":0.0013607016040219201,"num_words":9,"start":510.68503,"end":521.1},{"sentences":[{"text":"Mhmm.","start":529.115,"end":529.615,"sentiment":"neutral","sentiment_score":-0.14230915904045105},{"text":"Mhmm.","start":532.475,"end":532.975,"sentiment":"neutral","sentiment_score":-0.15047529339790344},{"text":"That's a really good question.","start":536.875,"end":538.71497,"sentiment":"neutral","sentiment_score":0.173308165371418},{"text":"And, no, not for yourself, Because your super fund is essentially a trust, it's its own entity, your super fund and the trust in the fund actually do a tax return every year just like you do.","start":538.71497,"end":549.67004,"sentiment":"neutral","sentiment_score":0.01357396349713609},{"text":"Cementing that loss doesn't affect your personal tax return or income in any way, shape, or form.","start":550.13,"end":554.995,"sentiment":"neutral","sentiment_score":-0.08193341001649113}],"sentiment":"neutral","sentiment_score":-0.005194671253566859,"num_words":61,"start":529.115,"end":554.995},{"sentences":[{"text":"It's just the loss that is realized by the super fund, and they will account for that as part of their normal tax process essentially.","start":555.135,"end":561.935,"sentiment":"neutral","sentiment_score":0.06584357738494873},{"text":"But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well.","start":561.935,"end":579.3,"sentiment":"neutral","sentiment_score":0.2011001456218461},{"text":"So we can kind of use that gain that loss to our advantage.","start":579.3,"end":583.415,"sentiment":"neutral","sentiment_score":0.3039570783193295},{"text":"There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to.","start":583.795,"end":590.51495,"sentiment":"neutral","sentiment_score":0.06725106134333393},{"text":"There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon, but I can definitely see some areas that we could improve on moving forward for you.","start":590.51495,"end":601.34,"sentiment":"neutral","sentiment_score":0.00925288486349232}],"sentiment":"neutral","sentiment_score":0.12003140758827958,"num_words":142,"start":555.135,"end":601.34},{"sentences":[{"text":"It's just that with this, even everything that's kinda going on globally, there has been some changes within the market, and it has sort of meant that it is worth updating people's portfolios now, making some changes, switching investments around, and looking at other ways to build additional gains for you as well.","start":601.34,"end":618.15497,"sentiment":"neutral","sentiment_score":0.09597704707170432},{"text":"Does that make sense?","start":618.15497,"end":619.295,"sentiment":"neutral","sentiment_score":0.07284802012145519},{"text":"Yeah.","start":619.995,"end":620.495,"sentiment":"neutral","sentiment_score":0.09748789668083192},{"text":"Fantastic.","start":622.03,"end":622.53,"sentiment":"positive","sentiment_score":0.6414699554443359},{"text":"One of the things I wanted to ask you about was with that Benelon investment, now as I've kind of mentioned before, that was more of an actively managed fund.","start":623.31,"end":631.09,"sentiment":"neutral","sentiment_score":0.1422213981548945}],"sentiment":"neutral","sentiment_score":0.11667163339391183,"num_words":89,"start":601.34,"end":631.09},{"sentences":[{"text":"Did you want me to keep realistically, you are young.","start":631.79,"end":634.67,"sentiment":"neutral","sentiment_score":0.06153923086822033},{"text":"You've got a lot of time ahead of you before accessing CUPES.","start":634.67,"end":637.425,"sentiment":"neutral","sentiment_score":0.07027807366102934},{"text":"You can benefit from having some sort of active manager in your portfolio, but you do pay higher management fees to have active managers in your portfolio.","start":637.425,"end":646.005,"sentiment":"neutral","sentiment_score":0.12243566151570391},{"text":"Would you like me to continue having some sort of active management placed in there, or would you like me just to focus on maybe lower risk passive investments that might be cheaper, might save on fees, and can be, you know, compounded towards your retirement goals?","start":646.465,"end":662.655,"sentiment":"neutral","sentiment_score":0.11358811936162888},{"text":"What would you like to see?","start":662.73505,"end":670.895,"sentiment":"neutral","sentiment_score":0.008538990591963133}],"sentiment":"neutral","sentiment_score":0.09955262359889115,"num_words":102,"start":631.79,"end":670.895},{"sentences":[{"text":"You are absolutely fine.","start":672.815,"end":674.59503,"sentiment":"neutral","sentiment_score":0.2807788923382759},{"text":"Do you want me to sort of focus on having maybe an active manager in there in investments that is trying to outperform against the market?","start":674.82996,"end":682.02997,"sentiment":"neutral","sentiment_score":0.05325485493701238},{"text":"You take a bit more risk and pay more fees for doing that, or did you want just a portfolio that's lower cost, is cheaper on fees?","start":682.02997,"end":689.685,"sentiment":"neutral","sentiment_score":0.047767766371921254},{"text":"I can look at I can look at time.","start":697.505,"end":699.445,"sentiment":"neutral","sentiment_score":-0.0510422790216075},{"text":"Yeah.","start":699.905,"end":700.405,"sentiment":"neutral","sentiment_score":0.037360213696956635}],"sentiment":"neutral","sentiment_score":0.05037986854119087,"num_words":67,"start":672.815,"end":700.405},{"sentences":[{"text":"Would you like me to?","start":707.26996,"end":708.62994,"sentiment":"neutral","sentiment_score":0.02364191636443138},{"text":"Because I sort of have to make the recommendation either way.","start":708.62994,"end":711.26996,"sentiment":"neutral","sentiment_score":0.03752662884918126},{"text":"I've actually got an option for a portfolio that does have some active management in it, but it's also actually quite cheap, and it stays on investment fees.","start":711.26996,"end":719.525,"sentiment":"neutral","sentiment_score":0.1622770026858364},{"text":"I can look at trying to incorporate both things if you want, reduce the fees in the portfolio, but also keep some active management in there for a little bit.","start":719.525,"end":727.065,"sentiment":"neutral","sentiment_score":0.1493629311521848},{"text":"Yeah.","start":729.12,"end":729.2,"sentiment":"neutral","sentiment_score":0.16110891103744507}],"sentiment":"neutral","sentiment_score":0.12955673893292746,"num_words":75,"start":707.26996,"end":729.2},{"sentences":[{"text":"Yeah.","start":729.2,"end":729.28,"sentiment":"neutral","sentiment_score":0.20877933502197263},{"text":"Best of both worlds.","start":729.28,"end":731.14,"sentiment":"neutral","sentiment_score":0.3038940206170082},{"text":"Fantastic.","start":735.84,"end":736.34,"sentiment":"positive","sentiment_score":0.7271223068237305},{"text":"All good.","start":736.88,"end":737.6,"sentiment":"positive","sentiment_score":0.6902514398097992},{"text":"Not an issue at all.","start":737.6,"end":738.72003,"sentiment":"neutral","sentiment_score":0.2641736179590225}],"sentiment":"positive","sentiment_score":0.3732960533637267,"num_words":13,"start":729.2,"end":738.72003},{"sentences":[{"text":"I was like, I always give you the option, but if you're really not sure, I do have options in between that can go both ways, so don't worry.","start":738.72003,"end":745.65497,"sentiment":"neutral","sentiment_score":0.16140525094394026},{"text":"Fantastic.","start":747.39496,"end":747.89496,"sentiment":"positive","sentiment_score":0.6261183023452759},{"text":"Yep.","start":752.115,"end":752.615,"sentiment":"neutral","sentiment_score":0.09452922642230988},{"text":"Yep.","start":758.115,"end":758.46,"sentiment":"neutral","sentiment_score":0.05243220180273056},{"text":"You're absolutely fine.","start":763.26,"end":764.7,"sentiment":"neutral","sentiment_score":0.22595694661140442}],"sentiment":"neutral","sentiment_score":0.17519150993653707,"num_words":35,"start":738.72003,"end":764.7},{"sentences":[{"text":"That's not a problem at all.","start":764.7,"end":765.9,"sentiment":"neutral","sentiment_score":0.2886430273453395},{"text":"What I'll do is I'll go back to the drawing board, just have a look at the options.","start":765.9,"end":769.12,"sentiment":"neutral","sentiment_score":0.14023066353466776},{"text":"I'll do a bit of research on the portfolio, on the super, everything there, and we'll look at what we can do for you.","start":769.34,"end":775.295,"sentiment":"neutral","sentiment_score":0.16395495490481457},{"text":"Okay?","start":775.295,"end":775.795,"sentiment":"neutral","sentiment_score":0.09578961133956908},{"text":"Easy done.","start":776.255,"end":777.235,"sentiment":"neutral","sentiment_score":0.17843922972679138}],"sentiment":"neutral","sentiment_score":0.16948229600401485,"num_words":51,"start":764.7,"end":777.235},{"sentences":[{"text":"The other thing to sort of look at is the insurance side of things.","start":778.335,"end":782.175,"sentiment":"neutral","sentiment_score":0.024926925876310894},{"text":"So one of the things we had in the advice document was that we were looking to increase your life and CBD cover to a million dollars and then looking at transferring it over so it could all be consolidated into hub twenty four.","start":782.175,"end":794.52997,"sentiment":"neutral","sentiment_score":0.05985815755345605},{"text":"That was mostly because your mortgage on the property, which, hopefully, you guys have all had settled and moved into.","start":795.14996,"end":803.11505,"sentiment":"neutral","sentiment_score":0.036625564005225895},{"text":"Are you in there?","start":803.335,"end":804.05505,"sentiment":"neutral","sentiment_score":0.005843101069331169},{"text":"Is it all built?","start":804.05505,"end":805.03503,"sentiment":"neutral","sentiment_score":-0.05887035187333822}],"sentiment":"neutral","sentiment_score":0.04073416478498731,"num_words":86,"start":778.335,"end":805.03503},{"sentences":[{"text":"Oh, no.","start":805.895,"end":807.03503,"sentiment":"neutral","sentiment_score":-0.09208633378148079},{"text":"I'm sorry.","start":807.17505,"end":807.91504,"sentiment":"neutral","sentiment_score":-0.10266796872019768},{"text":"Oh, no.","start":808.61505,"end":809.435,"sentiment":"neutral","sentiment_score":-0.07780733704566956},{"text":"Oh gosh.","start":815.6,"end":816.5,"sentiment":"neutral","sentiment_score":-0.019481966271996498},{"text":"No.","start":816.64,"end":817.04,"sentiment":"neutral","sentiment_score":-0.08170602470636368}],"sentiment":"neutral","sentiment_score":-0.07397702626056141,"num_words":9,"start":805.895,"end":817.04},{"sentences":[{"text":"I was hoping you would at least be in there or have it close to by now.","start":817.04,"end":821.06,"sentiment":"neutral","sentiment_score":-0.06982050967567108},{"text":"No way.","start":821.27997,"end":822.02,"sentiment":"neutral","sentiment_score":-0.10440481081604958},{"text":"Yep.","start":828.295,"end":828.795,"sentiment":"neutral","sentiment_score":-0.0332355871796608},{"text":"Yeah.","start":841.015,"end":841.515,"sentiment":"neutral","sentiment_score":-0.02997230738401413},{"text":"Wow.","start":851.42,"end":851.92,"sentiment":"neutral","sentiment_score":0.1657884567975998}],"sentiment":"neutral","sentiment_score":-0.058780805631117386,"num_words":22,"start":817.04,"end":851.92},{"sentences":[{"text":"Wow.","start":853.33997,"end":853.83997,"sentiment":"neutral","sentiment_score":0.17559054493904114},{"text":"Are they giving you any kind of time frame on how long before the whole thing should be built to hand over?","start":854.22,"end":860.605,"sentiment":"neutral","sentiment_score":0.04850835268470374},{"text":"Or yeah.","start":860.605,"end":866.305,"sentiment":"neutral","sentiment_score":0.17595886625349522},{"text":"Yeah.","start":869.53,"end":870.03,"sentiment":"neutral","sentiment_score":0.02576640248298645},{"text":"So sorry.","start":870.89,"end":871.71,"sentiment":"neutral","sentiment_score":-0.07347572594881058}],"sentiment":"neutral","sentiment_score":0.052625249539102824,"num_words":28,"start":853.33997,"end":871.71},{"sentences":[{"text":"Damn.","start":871.77,"end":872.17004,"sentiment":"neutral","sentiment_score":-0.12917709350585938},{"text":"I was really looking forward to this conversation.","start":872.17004,"end":874.19,"sentiment":"neutral","sentiment_score":-0.0597855681553483},{"text":"I was like, wow.","start":874.25,"end":875.37,"sentiment":"neutral","sentiment_score":0.024706104770302773},{"text":"Surely, you're in the house by now.","start":875.37,"end":877.31,"sentiment":"neutral","sentiment_score":0.005301784723997116},{"text":"Yeah.","start":890.18506,"end":890.66504,"sentiment":"neutral","sentiment_score":0.04966479167342186}],"sentiment":"neutral","sentiment_score":-0.020088568329811096,"num_words":21,"start":871.77,"end":890.66504},{"sentences":[{"text":"Oh, wow.","start":890.66504,"end":891.48505,"sentiment":"neutral","sentiment_score":0.1902557909488678},{"text":"Insane.","start":892.42505,"end":892.92505,"sentiment":"neutral","sentiment_score":0.23046891391277313},{"text":"Yes.","start":896.79,"end":897.27,"sentiment":"neutral","sentiment_score":0.15577933192253113},{"text":"Yes.","start":897.27,"end":897.51,"sentiment":"neutral","sentiment_score":0.14657701551914215},{"text":"You've had a lot going on.","start":897.51,"end":899.02997,"sentiment":"neutral","sentiment_score":0.09201646968722343}],"sentiment":"neutral","sentiment_score":0.13322142376141113,"num_words":11,"start":890.66504,"end":899.02997},{"sentences":[{"text":"Understandable.","start":899.02997,"end":899.52997,"sentiment":"neutral","sentiment_score":0.07231970876455307},{"text":"Oh, goodness me.","start":900.71,"end":901.93,"sentiment":"neutral","sentiment_score":-0.05819569590191046},{"text":"Oh, yuck.","start":905.27,"end":905.85,"sentiment":"neutral","sentiment_score":-0.2964223548769951},{"text":"Yuck.","start":905.99,"end":906.49,"sentiment":"negative","sentiment_score":-0.41200143098831177},{"text":"Yeah.","start":907.99,"end":908.47,"sentiment":"neutral","sentiment_score":-0.034473247826099396}],"sentiment":"neutral","sentiment_score":-0.14269834593869746,"num_words":8,"start":899.02997,"end":908.47},{"sentences":[{"text":"No.","start":908.47,"end":908.71,"sentiment":"neutral","sentiment_score":-0.13996542990207672},{"text":"I agree with you there.","start":908.71,"end":909.91,"sentiment":"neutral","sentiment_score":-0.025093482434749605},{"text":"Absolutely.","start":909.91,"end":910.41,"sentiment":"neutral","sentiment_score":0.25180482864379883},{"text":"When the property is built, we're still looking at a loan of about a million dollars.","start":911.565,"end":915.42505,"sentiment":"neutral","sentiment_score":0.07604884193278849},{"text":"Yep.","start":917.085,"end":917.48505,"sentiment":"neutral","sentiment_score":0.1948621571063995}],"sentiment":"neutral","sentiment_score":0.05825065060829123,"num_words":24,"start":908.47,"end":917.48505},{"sentences":[{"text":"Okay.","start":917.48505,"end":917.98505,"sentiment":"positive","sentiment_score":0.3759534358978271},{"text":"Beautiful.","start":918.28503,"end":918.78503,"sentiment":"positive","sentiment_score":0.5594118237495422},{"text":"And with your wife and TPD cover, is it still appropriate that you wanted to be covered for that million?","start":921.245,"end":926.68,"sentiment":"neutral","sentiment_score":0.14936142265796662},{"text":"So in the event of you passing away, the life cover pays out the loan for your partner, and then, you know, your super balance is paid on top of that as an additional buffer.","start":926.74005,"end":937.22003,"sentiment":"neutral","sentiment_score":0.12060813009738922},{"text":"Is that still fairly appropriate life cover wise?","start":937.22003,"end":939.85504,"sentiment":"neutral","sentiment_score":0.11421998217701912}],"sentiment":"neutral","sentiment_score":0.13934827882509965,"num_words":65,"start":917.48505,"end":939.85504},{"sentences":[{"text":"Yep.","start":944.715,"end":945.215,"sentiment":"neutral","sentiment_score":0.23769611120224},{"text":"Yeah.","start":950.075,"end":950.555,"sentiment":"neutral","sentiment_score":0.2559434175491333},{"text":"Absolutely.","start":950.555,"end":951.055,"sentiment":"neutral","sentiment_score":-0.03286471590399742},{"text":"And then with total permanent disability, we were, again, covering you for a million dollars, which meant that if you were never able to go back to work again, that million dollars provides a buffer, pays off the mortgage, and then your super balance is paid out to also provide a buffer and then supplement his income moving forward.","start":951.74,"end":968.505,"sentiment":"neutral","sentiment_score":0.0668792908663972},{"text":"Does that still sound appropriate goal wise for TBD?","start":968.505,"end":971.40497,"sentiment":"neutral","sentiment_score":0.11791715977920426}],"sentiment":"neutral","sentiment_score":0.07701278045038942,"num_words":71,"start":944.715,"end":971.40497},{"sentences":[{"text":"Or yes.","start":971.70496,"end":974.745,"sentiment":"neutral","sentiment_score":0.08380268700420856},{"text":"Yes.","start":974.745,"end":975.225,"sentiment":"neutral","sentiment_score":0.2695927023887634},{"text":"Beautiful.","start":975.225,"end":975.725,"sentiment":"positive","sentiment_score":0.5288943648338318},{"text":"With your income for you're a yeah.","start":976.82495,"end":979.39996,"sentiment":"neutral","sentiment_score":0.031616153328546455},{"text":"Sure.","start":979.54,"end":980.04,"sentiment":"neutral","sentiment_score":0.026746373623609543}],"sentiment":"neutral","sentiment_score":0.1011793240128706,"num_words":12,"start":971.70496,"end":980.04},{"sentences":[{"text":"Yeah.","start":983.94,"end":984.44,"sentiment":"neutral","sentiment_score":-0.013381966389715672},{"text":"Yeah.","start":986.98,"end":987.48,"sentiment":"neutral","sentiment_score":0.0004744837060570717},{"text":"So when you hold TBD inside super, they only give you an any occupation definition.","start":992.865,"end":998.485,"sentiment":"neutral","sentiment_score":-0.04337995164096355},{"text":"So that means that you essentially have to be able to go back to work in any occupation for which you were educated, trained, or have worked at.","start":998.625,"end":1007.285,"sentiment":"neutral","sentiment_score":-0.014028233675552266},{"text":"Let me double check your policy because you also have a portion of your policy which is paid outside of super.","start":1008.3,"end":1014.8,"sentiment":"neutral","sentiment_score":-0.061485494886125834}],"sentiment":"neutral","sentiment_score":-0.03556958625488209,"num_words":66,"start":983.94,"end":1014.8},{"sentences":[{"text":"And I just wanna double check whether that has the TBD side of it because I know you do have some income protection which is paid outside of super on a on a a monthly basis there as well.","start":1015.58,"end":1028.385,"sentiment":"neutral","sentiment_score":-0.01908638457266184},{"text":"But sorry.","start":1028.765,"end":1031.885,"sentiment":"neutral","sentiment_score":-0.07869792729616165},{"text":"Just going into the city of currency to double check because that summary doesn't have it.","start":1031.885,"end":1039.68,"sentiment":"neutral","sentiment_score":-0.09381428407505155},{"text":"Okay.","start":1045.8201,"end":1046.2201,"sentiment":"neutral","sentiment_score":-0.01233948953449726},{"text":"So with the city of currency, so the benefit paid outside of super to out of your pocket, that is that's the income protection part.","start":1046.2201,"end":1059.9651,"sentiment":"neutral","sentiment_score":-0.002300241142511368}],"sentiment":"neutral","sentiment_score":-0.029790830315954715,"num_words":83,"start":1015.58,"end":1059.9651},{"sentences":[{"text":"And, yeah, the TBD benefit is only paid inside super, and it's definitely in any occupation.","start":1060.905,"end":1067.25,"sentiment":"neutral","sentiment_score":0.018804279738105834},{"text":"Yeah.","start":1067.79,"end":1068.29,"sentiment":"neutral","sentiment_score":-0.05424843728542328},{"text":"It does mean it is a little bit hard to claim on an any occupation definition because if you were paying any of the, TPD outside of super, you would get access to the own definition, which means that you they would always assess the inside super portion first.","start":1068.43,"end":1083.665,"sentiment":"neutral","sentiment_score":-0.10507947495397256},{"text":"But if you didn't meet that criteria, they can then assess you with the own occupation, which essentially is that you're unable to get back to work in the occupation that you worked prior to the disability, essentially, which, as you can imagine, would be a much easier definition to claim TBD on.","start":1083.665,"end":1100.16,"sentiment":"neutral","sentiment_score":-0.10217799949196149},{"text":"Yeah.","start":1101.98,"end":1102.48,"sentiment":"neutral","sentiment_score":0.17579501867294312}],"sentiment":"neutral","sentiment_score":-0.08451594323851168,"num_words":120,"start":1060.905,"end":1102.48},{"sentences":[{"text":"Yeah.","start":1102.62,"end":1102.9401,"sentiment":"neutral","sentiment_score":0.1563006043434143},{"text":"Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket?","start":1102.9401,"end":1107.6,"sentiment":"neutral","sentiment_score":0.1323771569877863},{"text":"Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds?","start":1107.66,"end":1116.295,"sentiment":"neutral","sentiment_score":0.07475847212804689},{"text":"Yeah.","start":1118.755,"end":1119.255,"sentiment":"neutral","sentiment_score":0.06745199859142303},{"text":"Yep.","start":1126.74,"end":1127.24,"sentiment":"neutral","sentiment_score":0.14532724022865295}],"sentiment":"neutral","sentiment_score":0.10070203460752963,"num_words":50,"start":1102.62,"end":1127.24},{"sentences":[{"text":"Yep.","start":1127.2999,"end":1127.7,"sentiment":"neutral","sentiment_score":0.22129392623901367},{"text":"Absolutely.","start":1127.7,"end":1128.2,"sentiment":"positive","sentiment_score":0.48997944593429565},{"text":"I can add that into into the research for you to see if it's possible to get some of that paid out.","start":1129.62,"end":1135.32,"sentiment":"neutral","sentiment_score":0.19438845325600018},{"text":"No.","start":1136.195,"end":1136.595,"sentiment":"neutral","sentiment_score":0.038646310567855835},{"text":"You are absolutely fine.","start":1136.595,"end":1137.875,"sentiment":"neutral","sentiment_score":0.29566460847854614}],"sentiment":"neutral","sentiment_score":0.21410772718232254,"num_words":29,"start":1127.2999,"end":1137.875},{"sentences":[{"text":"Like, it's got it's your goal, so it's gotta be what you want it to be.","start":1137.875,"end":1141.815,"sentiment":"positive","sentiment_score":0.4881035480648279},{"text":"Even if I can't get that policy altered in that way, I can always look at adding a little bit of CBD outside of Super and just kind of, you know, giving you that option as well.","start":1142.515,"end":1153.68,"sentiment":"neutral","sentiment_score":0.14872431614108989},{"text":"So that's absolutely fine.","start":1153.74,"end":1155.52,"sentiment":"neutral","sentiment_score":0.3183154948055744},{"text":"One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you.","start":1156.78,"end":1168.175,"sentiment":"positive","sentiment_score":0.4481183458597232},{"text":"But I will absolutely have a look at that and see what we can do.","start":1168.875,"end":1172.655,"sentiment":"positive","sentiment_score":0.3763850569725037}],"sentiment":"positive","sentiment_score":0.33971270079816784,"num_words":111,"start":1137.875,"end":1172.655},{"sentences":[{"text":"Perfect.","start":1172.875,"end":1173.375,"sentiment":"positive","sentiment_score":0.6252768039703369},{"text":"Now we've also got income protection.","start":1174.795,"end":1177.135,"sentiment":"neutral","sentiment_score":0.24335352331399918},{"text":"That is essentially paid I think it's got a bit inside paper and a little bit outside paper.","start":1177.755,"end":1182.8799,"sentiment":"neutral","sentiment_score":0.14442581062515578},{"text":"I'm just opening that ticket currently up for you.","start":1182.8799,"end":1185.5399,"sentiment":"neutral","sentiment_score":0.3008439756102032},{"text":"The only downside to the BT and the Asgard policies is they're all individual.","start":1185.6799,"end":1191.94,"sentiment":"neutral","sentiment_score":-0.18341427402836935}],"sentiment":"neutral","sentiment_score":0.1005178849833707,"num_words":48,"start":1172.875,"end":1191.94},{"sentences":[{"text":"They're linked.","start":1192.0,"end":1192.74,"sentiment":"neutral","sentiment_score":-0.22894247621297836},{"text":"So it's a just it's a different document for each one.","start":1192.7999,"end":1195.755,"sentiment":"neutral","sentiment_score":-0.10342028466137973},{"text":"Yeah.","start":1201.355,"end":1201.595,"sentiment":"neutral","sentiment_score":0.014660842716693878},{"text":"So with your income protection policy, part of it is paid inside super and part of it paid outside of super.","start":1201.595,"end":1207.375,"sentiment":"neutral","sentiment_score":0.019160997299920945},{"text":"The outside of super portion is only a small amount.","start":1207.995,"end":1211.1599,"sentiment":"neutral","sentiment_score":0.0209668954834342}],"sentiment":"neutral","sentiment_score":-0.021528829841150177,"num_words":45,"start":1192.0,"end":1211.1599},{"sentences":[{"text":"You're paying about $42.49 on a a monthly basis at the moment there with the amount you are covered for.","start":1211.1599,"end":1219.3999,"sentiment":"neutral","sentiment_score":0.05785198295488954},{"text":"So the monthly benefit covered is $4,889.","start":1219.3999,"end":1224.5399,"sentiment":"neutral","sentiment_score":0.12345595870699201},{"text":"That is a pretax amount.","start":1225.4249,"end":1226.7849,"sentiment":"neutral","sentiment_score":0.0463564807549119},{"text":"So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that.","start":1226.7849,"end":1233.985,"sentiment":"neutral","sentiment_score":-0.3243088362117608},{"text":"So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on.","start":1233.985,"end":1246.13,"sentiment":"neutral","sentiment_score":-0.1645735271629833}],"sentiment":"neutral","sentiment_score":-0.11670704371017682,"num_words":77,"start":1211.1599,"end":1246.13},{"sentences":[{"text":"And, normally, they can't sort of cover you for more than 70 to 75% of your current income.","start":1246.4299,"end":1251.4099,"sentiment":"negative","sentiment_score":-0.3422068514757686},{"text":"I can double check the amount of benefits.","start":1252.005,"end":1253.925,"sentiment":"neutral","sentiment_score":0.07383761275559664},{"text":"Do you want me to look at maybe increasing the income protection policy for you?","start":1253.925,"end":1257.765,"sentiment":"neutral","sentiment_score":0.13633179664611816},{"text":"Do you feel like that benefit's sufficient in the event you're not able to go to work?","start":1257.765,"end":1261.525,"sentiment":"neutral","sentiment_score":0.05341012228061171},{"text":"What's your thoughts there?","start":1261.525,"end":1262.8251,"sentiment":"neutral","sentiment_score":0.01995350979268551}],"sentiment":"neutral","sentiment_score":-0.040907408982034654,"num_words":62,"start":1246.4299,"end":1262.8251},{"sentences":[{"text":"Mhmm.","start":1268.84,"end":1269.24,"sentiment":"neutral","sentiment_score":0.09271863102912904},{"text":"Yeah.","start":1269.24,"end":1269.74,"sentiment":"neutral","sentiment_score":0.11683224141597748},{"text":"23 100 a fortnight.","start":1278.6,"end":1280.14,"sentiment":"neutral","sentiment_score":0.1360260546207428},{"text":"Okay.","start":1281.635,"end":1282.135,"sentiment":"neutral","sentiment_score":0.08010628074407578},{"text":"Do you remember what your income was last financial year?","start":1283.7949,"end":1287.015,"sentiment":"neutral","sentiment_score":0.01720601636916399}],"sentiment":"neutral","sentiment_score":0.05916597266845843,"num_words":17,"start":1268.84,"end":1287.015},{"sentences":[{"text":"Total growth?","start":1287.5549,"end":1288.5349,"sentiment":"neutral","sentiment_score":-0.011029989458620548},{"text":"Nope.","start":1289.395,"end":1289.715,"sentiment":"neutral","sentiment_score":-0.18508395552635193},{"text":"That's okay.","start":1289.715,"end":1290.455,"sentiment":"neutral","sentiment_score":0.058623689226806164},{"text":"That's alright.","start":1290.835,"end":1291.575,"sentiment":"neutral","sentiment_score":0.1960499957203865},{"text":"The 2,300 take home net per fortnight.","start":1292.275,"end":1296.48,"sentiment":"neutral","sentiment_score":0.14898285908358438}],"sentiment":"neutral","sentiment_score":0.09607738921684879,"num_words":14,"start":1287.5549,"end":1296.48},{"sentences":[{"text":"That gives us 26.","start":1297.5,"end":1301.12,"sentiment":"neutral","sentiment_score":0.11010277085006237},{"text":"About 59,800.","start":1301.6599,"end":1303.6599,"sentiment":"neutral","sentiment_score":0.09566060826182364},{"text":"Because I had you on about 70,000 last year, and that looks like it's pretty close to what you'd be on pretax.","start":1303.6599,"end":1311.6749,"sentiment":"neutral","sentiment_score":0.06159247767010873},{"text":"With the income protection side of things, they generally don't let you be covered for more than 70 percent.","start":1313.015,"end":1319.515,"sentiment":"neutral","sentiment_score":-0.23248448340516342},{"text":"Older policies can be 75, and I'll double check whether yours can be 75 or 70%.","start":1319.575,"end":1326.07,"sentiment":"neutral","sentiment_score":-0.13870341842994094}],"sentiment":"neutral","sentiment_score":-0.07380465191922017,"num_words":63,"start":1297.5,"end":1326.07},{"sentences":[{"text":"Covering yourself for anything more than that doesn't really work out to your benefit because what happens is when you go to claim, they'll ask for your, like, payslip, your past tax returns, and things like that, and they'll look at what income you were on prior to you being off work and unable to go to work.","start":1326.53,"end":1344.8251,"sentiment":"neutral","sentiment_score":-0.16931424649624988},{"text":"And they essentially only pay out the maximum that you're able to be covered for based on that income.","start":1344.9651,"end":1351.145,"sentiment":"neutral","sentiment_score":-0.11449213443618071},{"text":"So if you have a higher level of cover, it's right you're paying for it.","start":1351.63,"end":1356.03,"sentiment":"neutral","sentiment_score":0.31240978837013245},{"text":"It's there, but there's no depending on what your income is, they may not actually pay that amount, which means you could be paying for cover that you can't actually claim on, which is pretty pointless.","start":1356.03,"end":1367.105,"sentiment":"negative","sentiment_score":-0.3512836986531814},{"text":"Yeah.","start":1369.885,"end":1370.385,"sentiment":"neutral","sentiment_score":0.010597219690680504}],"sentiment":"neutral","sentiment_score":-0.15461275935923868,"num_words":129,"start":1326.53,"end":1370.385},{"sentences":[{"text":"If I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis.","start":1372.045,"end":1387.3099,"sentiment":"neutral","sentiment_score":0.0025959427192330706},{"text":"So you're a bit over insured at the moment.","start":1387.3099,"end":1389.49,"sentiment":"neutral","sentiment_score":-0.16012320584721035},{"text":"If I work it out on 75%, which is what they used to pay 2021 allow, and your policy is back from a lot before that.","start":1390.6699,"end":1399.985,"sentiment":"neutral","sentiment_score":0.006341431146630874},{"text":"It shouldn't be a problem, and I'll double check the rules.","start":1399.985,"end":1402.805,"sentiment":"neutral","sentiment_score":0.10334178466688503},{"text":"75.","start":1404.385,"end":1405.365,"sentiment":"neutral","sentiment_score":0.0216361191123724}],"sentiment":"neutral","sentiment_score":-0.00006900394930400781,"num_words":90,"start":1372.045,"end":1405.365},{"sentences":[{"text":"It's 70,000 means it would be 4,375 as a monthly benefit amount.","start":1406.785,"end":1415.88,"sentiment":"neutral","sentiment_score":0.015069560380652547},{"text":"So at the moment, you're slightly over insured.","start":1415.88,"end":1418.06,"sentiment":"neutral","sentiment_score":-0.049557941034436226},{"text":"If you're comfortable, I can go back and work out exactly what you would need based on the cover eligibility and just alter it to make sure you're not overpaying or not underinsured?","start":1419.0801,"end":1428.125,"sentiment":"neutral","sentiment_score":0.030264256126952892},{"text":"Yes.","start":1434.985,"end":1435.485,"sentiment":"neutral","sentiment_score":-0.0029981639236211777},{"text":"Yep.","start":1446.51,"end":1447.01,"sentiment":"neutral","sentiment_score":-0.14730390906333923}],"sentiment":"neutral","sentiment_score":0.011505265008996833,"num_words":55,"start":1406.785,"end":1447.01},{"sentences":[{"text":"That's okay.","start":1447.7101,"end":1448.53,"sentiment":"neutral","sentiment_score":-0.30784323811531067},{"text":"That's alright.","start":1449.23,"end":1450.05,"sentiment":"neutral","sentiment_score":-0.0102434903383255},{"text":"If if I can get you just to double check, even just your group certificate or that they put into your MyGov account, I'll get my colleague, Samantha, to give you a call over the next few days just to sort of follow that one up.","start":1450.11,"end":1461.975,"sentiment":"neutral","sentiment_score":0.06063703892995482},{"text":"But if you can get an idea of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way.","start":1461.975,"end":1473.88,"sentiment":"neutral","sentiment_score":0.030364680248830052},{"text":"Okay?","start":1473.88,"end":1474.38,"sentiment":"neutral","sentiment_score":0.0335148349404335}],"sentiment":"neutral","sentiment_score":0.0370109977084212,"num_words":96,"start":1447.7101,"end":1474.38},{"sentences":[{"text":"When you're better.","start":1478.92,"end":1479.82,"sentiment":"neutral","sentiment_score":0.06213422492146492},{"text":"Okay.","start":1486.115,"end":1486.615,"sentiment":"neutral","sentiment_score":0.14790402352809906},{"text":"Beautiful.","start":1486.755,"end":1487.255,"sentiment":"neutral","sentiment_score":0.11252047121524812},{"text":"Oh, no.","start":1489.4751,"end":1490.615,"sentiment":"negative","sentiment_score":-0.3414582312107086},{"text":"They make it hard, don't they?","start":1491.235,"end":1492.675,"sentiment":"negative","sentiment_score":-0.4402310053507487}],"sentiment":"neutral","sentiment_score":-0.22134425577062827,"num_words":13,"start":1478.92,"end":1492.675},{"sentences":[{"text":"Shocking.","start":1492.675,"end":1493.175,"sentiment":"negative","sentiment_score":-0.6838560104370117},{"text":"No.","start":1499.34,"end":1499.84,"sentiment":"negative","sentiment_score":-0.4926510453224182},{"text":"All good.","start":1499.9,"end":1500.56,"sentiment":"neutral","sentiment_score":-0.24138342589139938},{"text":"Now the other there is one other type of insurance that we do also and can look at, and that is trauma.","start":1501.42,"end":1509.52,"sentiment":"neutral","sentiment_score":-0.033074661920016464},{"text":"Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions.","start":1510.275,"end":1521.0951,"sentiment":"neutral","sentiment_score":-0.09184354423515258}],"sentiment":"neutral","sentiment_score":-0.09182572528197054,"num_words":57,"start":1492.675,"end":1521.0951},{"sentences":[{"text":"You can't hold trauma inside of it.","start":1521.795,"end":1523.9551,"sentiment":"neutral","sentiment_score":-0.16296476977212088},{"text":"It is a a policy you can only hold out and pay for out of your back pocket.","start":1523.9551,"end":1528.6399,"sentiment":"neutral","sentiment_score":-0.14579039398166868},{"text":"Did you wanna look at maybe getting some trauma cover, or are you happy just with the life PPD and income protection?","start":1528.6399,"end":1535.22,"sentiment":"neutral","sentiment_score":-0.047741292298517445},{"text":"Yep.","start":1538.275,"end":1538.515,"sentiment":"neutral","sentiment_score":0.10047684609889984},{"text":"Yep.","start":1538.515,"end":1538.915,"sentiment":"neutral","sentiment_score":0.1951011419296265}],"sentiment":"neutral","sentiment_score":-0.09223899842068857,"num_words":49,"start":1521.795,"end":1538.915},{"sentences":[{"text":"Beautiful.","start":1538.915,"end":1539.415,"sentiment":"positive","sentiment_score":0.44075635075569153},{"text":"When you think about trauma and the level of cover you might want, what would you be wanting to pay out in that sort of an instance?","start":1539.475,"end":1545.875,"sentiment":"neutral","sentiment_score":0.04381984555059009},{"text":"Do you know is it maybe one or two years worth of net or gross income?","start":1545.875,"end":1550.4349,"sentiment":"neutral","sentiment_score":-0.00039770884905010456},{"text":"Are you wanting to cover the mortgage?","start":1550.4349,"end":1552.215,"sentiment":"neutral","sentiment_score":-0.017831406689115932},{"text":"What sort of cover level would you be comfortable with?","start":1552.275,"end":1564.27,"sentiment":"neutral","sentiment_score":-0.038216717541217804}],"sentiment":"neutral","sentiment_score":0.018205603554112014,"num_words":61,"start":1538.915,"end":1564.27},{"sentences":[{"text":"That's okay.","start":1564.97,"end":1565.71,"sentiment":"neutral","sentiment_score":0.07729458063840866},{"text":"If you like, what I could do is I could look at maybe one year's worth of gross income for you as part of the advice and show you what the cost is.","start":1566.345,"end":1576.605,"sentiment":"neutral","sentiment_score":0.05075837073452545},{"text":"But then in the appendices, I could also put some additional quotes to show you two or three or five years worth of gross income.","start":1576.905,"end":1584.04,"sentiment":"neutral","sentiment_score":0.044941600784659384},{"text":"Does that sound okay?","start":1584.1001,"end":1585.14,"sentiment":"neutral","sentiment_score":0.07429492752999067},{"text":"Would you like to sort of see that, or what would you think?","start":1585.14,"end":1588.2001,"sentiment":"neutral","sentiment_score":0.024147685187367294}],"sentiment":"neutral","sentiment_score":0.04628902639855038,"num_words":77,"start":1564.97,"end":1588.2001},{"sentences":[{"text":"Yes.","start":1590.5,"end":1591.0,"sentiment":"neutral","sentiment_score":0.07731235772371292},{"text":"Yes.","start":1595.755,"end":1596.255,"sentiment":"neutral","sentiment_score":0.153566375374794},{"text":"Absolutely.","start":1596.5549,"end":1597.0549,"sentiment":"neutral","sentiment_score":0.183221697807312},{"text":"And then if you decide you wanna kind of alter that, come back and let me know.","start":1598.315,"end":1601.595,"sentiment":"neutral","sentiment_score":0.07434486816911136},{"text":"We can go back and alter the recommendation.","start":1601.595,"end":1603.375,"sentiment":"neutral","sentiment_score":0.08939169254153967}],"sentiment":"neutral","sentiment_score":0.08546774036117963,"num_words":28,"start":1590.5,"end":1603.375},{"sentences":[{"text":"It just sort of shows you what it is.","start":1603.4349,"end":1605.275,"sentiment":"neutral","sentiment_score":0.01181704095668263},{"text":"I think one of the big things with trauma is that it is an out of pocket cost.","start":1605.275,"end":1608.54,"sentiment":"neutral","sentiment_score":-0.1948133148252964},{"text":"So you are paying that premium every month the same as you are with your income protection outside of Duke at the moment.","start":1608.54,"end":1614.14,"sentiment":"neutral","sentiment_score":-0.10723843376921571},{"text":"So having a set level of cover and a lot of people like one or two years worth of income because it means if they had, like, a major diagnosis, they could take a year or two off.","start":1614.14,"end":1624.4249,"sentiment":"neutral","sentiment_score":-0.00903418567031622},{"text":"Trauma's the first thing we claim on.","start":1625.0449,"end":1627.125,"sentiment":"neutral","sentiment_score":-0.010973245770271336}],"sentiment":"neutral","sentiment_score":-0.06617770579790598,"num_words":95,"start":1603.4349,"end":1627.125},{"sentences":[{"text":"You can then if you still can't go to work, claim on income protection and CPD and things like that.","start":1627.125,"end":1632.1649,"sentiment":"neutral","sentiment_score":-0.010717472294345498},{"text":"It's just that this is giving you a starting buffer whilst you're on the waiting period for income protection and whilst you're going through the process of, you know, trying to work out whether you'll ever go back to work again to claim on CBD.","start":1632.1649,"end":1645.16,"sentiment":"neutral","sentiment_score":0.001789850363921788},{"text":"Yep.","start":1647.6201,"end":1648.005,"sentiment":"neutral","sentiment_score":0.1340942084789276},{"text":"Beautiful.","start":1648.245,"end":1648.5651,"sentiment":"positive","sentiment_score":0.4523555636405945},{"text":"All good.","start":1648.5651,"end":1648.965,"sentiment":"positive","sentiment_score":0.44461485743522644}],"sentiment":"neutral","sentiment_score":0.01944743923883399,"num_words":69,"start":1627.125,"end":1648.965},{"sentences":[{"text":"Do you have any questions?","start":1648.965,"end":1649.925,"sentiment":"neutral","sentiment_score":0.1454698070883751},{"text":"I know I go through a lot with the insurances, but do you have any questions in relation to any of that?","start":1649.925,"end":1655.145,"sentiment":"neutral","sentiment_score":0.020402294117957354},{"text":"No?","start":1658.5651,"end":1659.0651,"sentiment":"neutral","sentiment_score":-0.1115509867668152},{"text":"That's okay.","start":1659.685,"end":1660.585,"sentiment":"neutral","sentiment_score":-0.023799524642527103},{"text":"The other thing we looked at last year was making salary sacrifice contributions, and we were starting to look at sort of $50 on a weekly basis.","start":1661.6001,"end":1670.9,"sentiment":"neutral","sentiment_score":-0.04461170995125064}],"sentiment":"neutral","sentiment_score":-0.0032888894508543765,"num_words":57,"start":1648.965,"end":1670.9},{"sentences":[{"text":"As part of the advice update, do you want me to refactor in salary and additional contributions to super?","start":1671.4401,"end":1678.515,"sentiment":"neutral","sentiment_score":-0.01911814986286979},{"text":"Yes.","start":1684.3351,"end":1684.655,"sentiment":"neutral","sentiment_score":0.03106591105461121},{"text":"That's okay.","start":1684.655,"end":1685.2151,"sentiment":"neutral","sentiment_score":0.05516246147453785},{"text":"And $50 per week, is that still fairly appropriate and comfortable, or did you wanna change that amount?","start":1685.2151,"end":1690.915,"sentiment":"neutral","sentiment_score":0.016012315017481644},{"text":"That's okay?","start":1696.85,"end":1697.59,"sentiment":"neutral","sentiment_score":0.10304627940058708}],"sentiment":"neutral","sentiment_score":0.0064871479934524925,"num_words":42,"start":1671.4401,"end":1697.59},{"sentences":[{"text":"Beautiful.","start":1697.65,"end":1698.15,"sentiment":"neutral","sentiment_score":0.2979435324668884},{"text":"Excellent.","start":1698.37,"end":1698.87,"sentiment":"positive","sentiment_score":0.4255380630493164},{"text":"Lovely.","start":1699.01,"end":1699.51,"sentiment":"positive","sentiment_score":0.36013710498809814},{"text":"No worries at all.","start":1699.5701,"end":1700.95,"sentiment":"neutral","sentiment_score":0.11109397187829018},{"text":"And with updating the advice, is there any changes to your health that we would maybe need to factor in?","start":1701.89,"end":1710.8651,"sentiment":"neutral","sentiment_score":0.009681893885135651}],"sentiment":"neutral","sentiment_score":0.06376416539704358,"num_words":27,"start":1697.65,"end":1710.8651},{"sentences":[{"text":"Nope.","start":1714.4451,"end":1714.765,"sentiment":"neutral","sentiment_score":-0.048886530101299286},{"text":"That's okay.","start":1714.765,"end":1715.5851,"sentiment":"neutral","sentiment_score":0.1392582207918167},{"text":"Fantastic.","start":1718.3899,"end":1718.8899,"sentiment":"positive","sentiment_score":0.39727041125297546},{"text":"How's all the pain?","start":1719.4299,"end":1720.3899,"sentiment":"neutral","sentiment_score":0.09461579844355583},{"text":"How's the ankylosing spondylosis?","start":1720.3899,"end":1722.09,"sentiment":"neutral","sentiment_score":0.006116103962995112}],"sentiment":"neutral","sentiment_score":0.08581899436345945,"num_words":12,"start":1714.4451,"end":1722.09},{"sentences":[{"text":"Is everything okay that way?","start":1722.3099,"end":1724.09,"sentiment":"neutral","sentiment_score":0.027048173546791076},{"text":"Still having lots of pain or still on medication?","start":1724.1499,"end":1726.8899,"sentiment":"neutral","sentiment_score":-0.09595944815211827},{"text":"Yeah.","start":1734.115,"end":1734.615,"sentiment":"neutral","sentiment_score":-0.06651762127876282},{"text":"Yes.","start":1746.275,"end":1746.775,"sentiment":"neutral","sentiment_score":-0.06951428204774857},{"text":"And Yep.","start":1750.89,"end":1757.07,"sentiment":"neutral","sentiment_score":0.033167194575071335}],"sentiment":"neutral","sentiment_score":-0.044338426656193204,"num_words":18,"start":1722.3099,"end":1757.07},{"sentences":[{"text":"Beautiful.","start":1758.01,"end":1758.51,"sentiment":"positive","sentiment_score":0.4272575378417969},{"text":"Are you on any particular anti inflammatory, or is he just giving you just an over the counter one?","start":1758.65,"end":1767.705,"sentiment":"neutral","sentiment_score":0.026794513711999906},{"text":"Mobic.","start":1768.325,"end":1768.825,"sentiment":"neutral","sentiment_score":0.044644176959991455},{"text":"Beautiful.","start":1769.205,"end":1769.705,"sentiment":"positive","sentiment_score":0.3964918851852417},{"text":"Lovely.","start":1770.1649,"end":1770.6649,"sentiment":"positive","sentiment_score":0.3885043263435364}],"sentiment":"neutral","sentiment_score":0.07678233421124193,"num_words":23,"start":1758.01,"end":1770.6649},{"sentences":[{"text":"And you said with the Humira, it's just still just one injection per day?","start":1770.965,"end":1774.345,"sentiment":"neutral","sentiment_score":0.061042792429881435},{"text":"Per fortnight.","start":1777.2849,"end":1778.105,"sentiment":"neutral","sentiment_score":0.05095335282385349},{"text":"Perfect.","start":1778.49,"end":1778.99,"sentiment":"positive","sentiment_score":0.5305129289627075},{"text":"Excellent.","start":1780.65,"end":1781.15,"sentiment":"positive","sentiment_score":0.5967393517494202},{"text":"Good to see.","start":1781.29,"end":1782.09,"sentiment":"positive","sentiment_score":0.6228241920471191}],"sentiment":"neutral","sentiment_score":0.18820145983426345,"num_words":21,"start":1770.965,"end":1782.09},{"sentences":[{"text":"Thank you so much for updating that.","start":1782.09,"end":1783.69,"sentiment":"positive","sentiment_score":0.6750400066375732},{"text":"I'll go back and just reevaluate the insurances and update the advice there for you and factor in what we'll do with your super as well to sort of make it easier.","start":1783.69,"end":1792.43,"sentiment":"positive","sentiment_score":0.42923180758953094},{"text":"Okay.","start":1792.785,"end":1793.285,"sentiment":"neutral","sentiment_score":0.11575626581907272},{"text":"Excellent.","start":1793.665,"end":1794.165,"sentiment":"positive","sentiment_score":0.34787511825561523},{"text":"Easy.","start":1794.625,"end":1795.125,"sentiment":"neutral","sentiment_score":0.2850243151187897}],"sentiment":"positive","sentiment_score":0.4573655616314638,"num_words":42,"start":1782.09,"end":1795.125},{"sentences":[{"text":"Just to update no.","start":1795.905,"end":1799.365,"sentiment":"neutral","sentiment_score":-0.12038690783083439},{"text":"Absolutely.","start":1807.56,"end":1808.06,"sentiment":"neutral","sentiment_score":0.04270005226135254},{"text":"I love the government.","start":1808.76,"end":1809.72,"sentiment":"neutral","sentiment_score":-0.010006139054894447},{"text":"They make everything so hard.","start":1809.72,"end":1811.26,"sentiment":"neutral","sentiment_score":-0.17994986176490785},{"text":"Oh, and that's okay.","start":1816.04,"end":1816.76,"sentiment":"neutral","sentiment_score":0.06566288694739342}],"sentiment":"neutral","sentiment_score":-0.061998327573140465,"num_words":18,"start":1795.905,"end":1816.76},{"sentences":[{"text":"If you can't get into it, don't worry.","start":1816.76,"end":1818.4401,"sentiment":"neutral","sentiment_score":0.052954062819480896},{"text":"I'll send you an email after the call, and I'll get my admin team member, Samantha, to follow-up over the next few days there for you as well.","start":1818.4401,"end":1824.725,"sentiment":"neutral","sentiment_score":0.12146413725401674},{"text":"But if you need some time just to rest and get better, that's absolutely okay.","start":1824.725,"end":1828.905,"sentiment":"neutral","sentiment_score":0.08532633930444718},{"text":"Alright.","start":1829.045,"end":1829.545,"sentiment":"neutral","sentiment_score":0.17191597819328308},{"text":"All good.","start":1831.365,"end":1832.105,"sentiment":"neutral","sentiment_score":0.25579672306776047}],"sentiment":"neutral","sentiment_score":0.10718579369562643,"num_words":54,"start":1816.76,"end":1832.105},{"sentences":[{"text":"Retirement wise, we're still tracking towards 60 for your retirement goal, hoping to retire by then?","start":1833.285,"end":1838.75,"sentiment":"neutral","sentiment_score":0.09945342130959034},{"text":"Well, 60 is the earliest we can inside the for the moment.","start":1844.33,"end":1847.63,"sentiment":"neutral","sentiment_score":-0.00006297122066219647},{"text":"If you are wanting to look at exactly.","start":1848.045,"end":1850.7051,"sentiment":"neutral","sentiment_score":-0.09995422651991248},{"text":"If they ever change that, I'll let you know.","start":1851.405,"end":1853.165,"sentiment":"neutral","sentiment_score":-0.07540079661541516},{"text":"I'll be the first one to give you a call going, guess what?","start":1853.165,"end":1855.505,"sentiment":"neutral","sentiment_score":-0.022184585149471577}],"sentiment":"neutral","sentiment_score":-0.0030369224540632346,"num_words":58,"start":1833.285,"end":1855.505},{"sentences":[{"text":"If you do wanna look at yeah.","start":1858.685,"end":1864.12,"sentiment":"neutral","sentiment_score":-0.0553100976560797},{"text":"I'm trying too.","start":1864.12,"end":1865.08,"sentiment":"neutral","sentiment_score":-0.06173512836297353},{"text":"Not gonna lie.","start":1865.08,"end":1865.98,"sentiment":"neutral","sentiment_score":-0.05361367886265119},{"text":"If you do wanna look at, you know, trying to retire earlier, we can always look at, you know, building about that side of things like that.","start":1871.24,"end":1877.5349,"sentiment":"neutral","sentiment_score":0.0019826805563988507},{"text":"But based on super at the moment, '60 is the earliest.","start":1877.5349,"end":1880.515,"sentiment":"neutral","sentiment_score":-0.014438987370919098}],"sentiment":"neutral","sentiment_score":-0.01644144296719163,"num_words":51,"start":1858.685,"end":1880.515},{"sentences":[{"text":"And as I said, if anything changes down the track, I'll absolutely let you know.","start":1880.575,"end":1884.4149,"sentiment":"neutral","sentiment_score":0.1150449256102244},{"text":"Okay?","start":1884.4149,"end":1884.9149,"sentiment":"neutral","sentiment_score":0.16898837685585022},{"text":"The retirement income, we still think we're we're hoping to get about $1,500 a week in retirement income wise.","start":1887.0549,"end":1894.2001,"sentiment":"neutral","sentiment_score":0.2280336634108895},{"text":"Does that still sound appropriate?","start":1894.2001,"end":1895.42,"sentiment":"neutral","sentiment_score":0.13461655974388123},{"text":"Yep.","start":1897.4,"end":1897.9,"sentiment":"neutral","sentiment_score":0.16776683926582336}],"sentiment":"neutral","sentiment_score":0.172393939117106,"num_words":41,"start":1880.575,"end":1897.9},{"sentences":[{"text":"Beautiful.","start":1897.9601,"end":1898.4601,"sentiment":"positive","sentiment_score":0.45905569195747375},{"text":"I've also got down here.","start":1900.04,"end":1901.88,"sentiment":"neutral","sentiment_score":0.203131265938282},{"text":"So the loan expected on the new property when that is fully built to be about a million dollars.","start":1901.88,"end":1908.8351,"sentiment":"neutral","sentiment_score":0.10908589512109756},{"text":"I've also got here the estimated value when that is fully built to be a million.","start":1908.8351,"end":1913.095,"sentiment":"neutral","sentiment_score":0.08441404812037945},{"text":"As much as that is a few months down the track, what sort of estimated value do you think that might be when you do get handover?","start":1913.9551,"end":1920.59,"sentiment":"neutral","sentiment_score":0.021535874240928225}],"sentiment":"neutral","sentiment_score":0.08057996181442457,"num_words":68,"start":1897.9601,"end":1920.59},{"sentences":[{"text":"Yeah.","start":1927.37,"end":1927.87,"sentiment":"neutral","sentiment_score":0.007870761677622795},{"text":"That's it.","start":1928.01,"end":1928.83,"sentiment":"neutral","sentiment_score":0.0058465199545025826},{"text":"I can just sort of note expected a million if you'd like.","start":1928.835,"end":1931.735,"sentiment":"neutral","sentiment_score":0.015264586933578054},{"text":"Yep.","start":1936.0349,"end":1936.5349,"sentiment":"neutral","sentiment_score":0.07225412130355835},{"text":"Beautiful.","start":1936.6749,"end":1937.1749,"sentiment":"positive","sentiment_score":0.3730683028697967}],"sentiment":"neutral","sentiment_score":0.03812125111546587,"num_words":17,"start":1927.37,"end":1937.1749},{"sentences":[{"text":"Excellent.","start":1939.635,"end":1940.135,"sentiment":"positive","sentiment_score":0.49611395597457886},{"text":"I've got contents down here, estimated value at about 150,000.","start":1940.995,"end":1946.31,"sentiment":"neutral","sentiment_score":0.18849391639232635},{"text":"Would you alter or change that at all?","start":1946.31,"end":1948.33,"sentiment":"neutral","sentiment_score":0.06687985686585307},{"text":"That'll be okay?","start":1957.27,"end":1958.17,"sentiment":"neutral","sentiment_score":0.10111099729935329},{"text":"Beautiful.","start":1958.31,"end":1958.81,"sentiment":"neutral","sentiment_score":0.1807769536972046}],"sentiment":"neutral","sentiment_score":0.1478348661052144,"num_words":23,"start":1939.635,"end":1958.81},{"sentences":[{"text":"I've also got the 2012 Kailax.","start":1960.575,"end":1963.455,"sentiment":"neutral","sentiment_score":0.031544659907619156},{"text":"Do you still have that vehicle?","start":1963.455,"end":1964.835,"sentiment":"neutral","sentiment_score":0.00625077619527777},{"text":"Oh, no.","start":1967.135,"end":1968.035,"sentiment":"neutral","sentiment_score":-0.14968425035476685},{"text":"Oh, that's a shame.","start":1971.375,"end":1972.415,"sentiment":"negative","sentiment_score":-0.38963456451892853},{"text":"What did you have to replace that with?","start":1972.415,"end":1974.595,"sentiment":"neutral","sentiment_score":-0.1801469326019287}],"sentiment":"neutral","sentiment_score":-0.118165753960896,"num_words":26,"start":1960.575,"end":1974.595},{"sentences":[{"text":"What did you have to replace that with?","start":1976.8201,"end":1978.76,"sentiment":"neutral","sentiment_score":-0.05782531946897507},{"text":"Oh, wow.","start":1985.86,"end":1986.6,"sentiment":"neutral","sentiment_score":0.017884165979921818},{"text":"A form.","start":1987.485,"end":1988.125,"sentiment":"neutral","sentiment_score":0.020082890056073666},{"text":"It's not a bad car in any way, shape, or form.","start":1988.125,"end":1990.445,"sentiment":"neutral","sentiment_score":-0.03919248723170974},{"text":"Not quite a Hilux, but it's still a good car.","start":1990.445,"end":1993.1849,"sentiment":"neutral","sentiment_score":-0.07748156512679998}],"sentiment":"neutral","sentiment_score":-0.04826065013626111,"num_words":33,"start":1976.8201,"end":1993.1849},{"sentences":[{"text":"Yeah.","start":1997.245,"end":1997.745,"sentiment":"neutral","sentiment_score":-0.0485091432929039},{"text":"No.","start":1999.885,"end":2000.34,"sentiment":"neutral","sentiment_score":-0.2611510753631592},{"text":"Not as durable as the Hilux is.","start":2000.82,"end":2002.6599,"sentiment":"neutral","sentiment_score":-0.28035968116351534},{"text":"That's for sure.","start":2002.6599,"end":2003.64,"sentiment":"neutral","sentiment_score":-0.11259755492210388},{"text":"Yeah.","start":2010.98,"end":2011.46,"sentiment":"neutral","sentiment_score":-0.01144128292798996}],"sentiment":"neutral","sentiment_score":-0.20164707188422865,"num_words":13,"start":1997.245,"end":2011.46},{"sentences":[{"text":"Yeah.","start":2011.46,"end":2011.86,"sentiment":"neutral","sentiment_score":-0.0361238569021225},{"text":"No.","start":2011.86,"end":2012.02,"sentiment":"neutral","sentiment_score":-0.1015648916363716},{"text":"That's all good.","start":2012.02,"end":2013.075,"sentiment":"neutral","sentiment_score":0.005386662979920705},{"text":"What sort of what sort of value would you put on that?","start":2013.3949,"end":2016.9349,"sentiment":"neutral","sentiment_score":-0.08445177848140399},{"text":"I know.","start":2020.835,"end":2021.5549,"sentiment":"neutral","sentiment_score":-0.07884671166539192}],"sentiment":"neutral","sentiment_score":-0.06803386972138756,"num_words":19,"start":2011.46,"end":2021.5549},{"sentences":[{"text":"I know.","start":2021.5549,"end":2022.2949,"sentiment":"neutral","sentiment_score":-0.05879144184291363},{"text":"I get to be nosy for a living.","start":2022.355,"end":2023.955,"sentiment":"neutral","sentiment_score":-0.05134126637130976},{"text":"It's pretty cool.","start":2023.955,"end":2024.595,"sentiment":"positive","sentiment_score":0.8330742915471395},{"text":"I'm not gonna lie.","start":2024.595,"end":2025.6549,"sentiment":"positive","sentiment_score":0.40182121843099594},{"text":"60.","start":2029.71,"end":2030.21,"sentiment":"neutral","sentiment_score":0.18799063563346863}],"sentiment":"neutral","sentiment_score":0.2092325205190314,"num_words":18,"start":2021.5549,"end":2030.21},{"sentences":[{"text":"Beautiful.","start":2030.43,"end":2030.93,"sentiment":"positive","sentiment_score":0.7280038595199585},{"text":"Excellent.","start":2032.43,"end":2032.93,"sentiment":"positive","sentiment_score":0.6931323409080505},{"text":"And do you have a loan on that vehicle or owned outright?","start":2033.71,"end":2036.61,"sentiment":"neutral","sentiment_score":0.1501295498261849},{"text":"Outright.","start":2038.51,"end":2039.01,"sentiment":"neutral","sentiment_score":0.20533065497875216},{"text":"Beautiful.","start":2039.15,"end":2039.65,"sentiment":"positive","sentiment_score":0.5530739426612854}],"sentiment":"neutral","sentiment_score":0.2488184622488916,"num_words":16,"start":2030.43,"end":2039.65},{"sentences":[{"text":"And then savings, we had you having about 3,000 in savings.","start":2040.35,"end":2044.125,"sentiment":"neutral","sentiment_score":0.11165526475418698},{"text":"Do you still have that or have a bit more in savings?","start":2044.125,"end":2046.545,"sentiment":"neutral","sentiment_score":0.07327469531446695},{"text":"Beautiful.","start":2049.405,"end":2049.905,"sentiment":"positive","sentiment_score":0.687720000743866},{"text":"Lovely.","start":2051.325,"end":2051.825,"sentiment":"positive","sentiment_score":0.6772847175598145},{"text":"And anything else that we need to note down value wise?","start":2052.045,"end":2054.605,"sentiment":"neutral","sentiment_score":0.21571964431892743}],"sentiment":"neutral","sentiment_score":0.1623729183855984,"num_words":36,"start":2040.35,"end":2054.605},{"sentences":[{"text":"Do you have any other shares, cryptocurrency, tools of trade, or any collections that are valued?","start":2054.605,"end":2061.03,"sentiment":"neutral","sentiment_score":0.09076734608970582},{"text":"Nope.","start":2065.73,"end":2065.97,"sentiment":"neutral","sentiment_score":0.07281066477298737},{"text":"That's okay.","start":2065.97,"end":2066.71,"sentiment":"neutral","sentiment_score":0.15765837579965591},{"text":"Beautiful.","start":2066.77,"end":2067.27,"sentiment":"positive","sentiment_score":0.5372331738471985},{"text":"And then the other thing to look at is the estate planning side of things.","start":2068.93,"end":2073.4548,"sentiment":"neutral","sentiment_score":0.11921911984682083}],"sentiment":"neutral","sentiment_score":0.11902642643877438,"num_words":35,"start":2054.605,"end":2073.4548},{"sentences":[{"text":"So just double checking.","start":2074.7148,"end":2076.255,"sentiment":"neutral","sentiment_score":0.0014567766338586807},{"text":"I don't have a beneficiary nomination, which is kind of really important.","start":2077.195,"end":2081.135,"sentiment":"neutral","sentiment_score":-0.039346971859534584},{"text":"I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination.","start":2081.9949,"end":2091.8801,"sentiment":"neutral","sentiment_score":0.02678467825587307},{"text":"I'm assuming you want everything to kinda go to your partner to make sure he is looked after and covered.","start":2092.1,"end":2096.52,"sentiment":"neutral","sentiment_score":-0.00236378014087677},{"text":"But without a beneficiary nomination in place, it means that that the super has to go through what's basically a probate process where it has to kinda go to the estate without having a beneficiary nominated, goes to the court system.","start":2096.865,"end":2110.725,"sentiment":"neutral","sentiment_score":-0.016601176358895693}],"sentiment":"neutral","sentiment_score":-0.004231327601398031,"num_words":105,"start":2074.7148,"end":2110.725},{"sentences":[{"text":"People from your past and family can come forward and make a claim, which means it may not get directed to where you want it to go.","start":2111.27,"end":2117.91,"sentiment":"neutral","sentiment_score":0.018155512710412342},{"text":"So it is really important that we have that beneficiary nomination set up.","start":2117.91,"end":2122.25,"sentiment":"neutral","sentiment_score":0.16271758423401758},{"text":"I am gonna get the team to send one to you tomorrow or Monday.","start":2123.365,"end":2127.465,"sentiment":"neutral","sentiment_score":0.12291080291782107},{"text":"Is email or post easier for you?","start":2127.605,"end":2130.185,"sentiment":"neutral","sentiment_score":0.037002467417291234},{"text":"What would be best?","start":2130.645,"end":2131.7852,"sentiment":"neutral","sentiment_score":0.0258159046061337}],"sentiment":"neutral","sentiment_score":0.07213168568336047,"num_words":65,"start":2111.27,"end":2131.7852},{"sentences":[{"text":"Email?","start":2133.205,"end":2133.705,"sentiment":"neutral","sentiment_score":0.07402154803276062},{"text":"Beautiful.","start":2133.845,"end":2134.345,"sentiment":"positive","sentiment_score":0.4985200762748718},{"text":"I'll get them to have that sent through.","start":2135.205,"end":2137.02,"sentiment":"positive","sentiment_score":0.39535679668188095},{"text":"If you can just fill it out, I'll send some directions on how to complete the nomination.","start":2137.02,"end":2140.56,"sentiment":"neutral","sentiment_score":0.26008880401358886},{"text":"And then once we get that back, we can have that applied.","start":2141.42,"end":2144.0,"sentiment":"neutral","sentiment_score":0.2173713520169258}],"sentiment":"neutral","sentiment_score":0.27603492026145643,"num_words":39,"start":2133.205,"end":2144.0},{"sentences":[{"text":"I just don't want that to be, you know, no beneficiary nomination applied right now.","start":2144.06,"end":2148.54,"sentiment":"negative","sentiment_score":-0.3539238383372625},{"text":"It's all gotta be looked after.","start":2148.54,"end":2149.82,"sentiment":"neutral","sentiment_score":-0.15843099479873976},{"text":"So it's all in the event something happens, I mean, I don't want anything to happen to you, Steven, but in the event that something was to occur, if you were to pass away right now, you know, it's not protected.","start":2149.82,"end":2159.305,"sentiment":"neutral","sentiment_score":-0.017324364403399024},{"text":"So we just wanna make sure that all your i's and d's and p's are crossed.","start":2160.005,"end":2163.6848,"sentiment":"neutral","sentiment_score":0.06671212008222938},{"text":"Okay?","start":2163.6848,"end":2164.1848,"sentiment":"neutral","sentiment_score":0.059673503041267395}],"sentiment":"neutral","sentiment_score":-0.07395791215232655,"num_words":79,"start":2144.06,"end":2164.1848},{"sentences":[{"text":"Some other hard questions for you.","start":2166.58,"end":2168.74,"sentiment":"neutral","sentiment_score":0.04397519864141941},{"text":"When it comes to beneficiary nominations, you have three types of nominations you can choose from.","start":2168.74,"end":2173.7,"sentiment":"neutral","sentiment_score":0.05561278620734811},{"text":"One is a nonbinding nomination.","start":2173.7,"end":2176.12,"sentiment":"neutral","sentiment_score":0.08675215244293213},{"text":"That in my book is a pretty useful nomination.","start":2176.785,"end":2178.9648,"sentiment":"neutral","sentiment_score":0.22870922254191506},{"text":"You're ticking the box.","start":2179.1848,"end":2180.4849,"sentiment":"neutral","sentiment_score":0.1350949965417385}],"sentiment":"neutral","sentiment_score":0.10465448806062341,"num_words":40,"start":2166.58,"end":2180.4849},{"sentences":[{"text":"You're putting the nomination on file, but the trustee gets the ultimate decision.","start":2180.625,"end":2184.7048,"sentiment":"neutral","sentiment_score":0.09459862399559754},{"text":"He can choose whether or not to pay that nomination as per your wishes.","start":2184.7048,"end":2188.565,"sentiment":"neutral","sentiment_score":0.08690284751355648},{"text":"Me, personally, I would never tick that box.","start":2189.665,"end":2191.9248,"sentiment":"neutral","sentiment_score":0.06453851377591491},{"text":"You also have a binding lapsing nomination, which means you have to redo the beneficiary form every three years, or you can do a binding non lapsing, which means you fill the nomination format now, we have it applied, and you never have to fill another one out until things change or you wanna change that beneficiary.","start":2192.31,"end":2210.995,"sentiment":"neutral","sentiment_score":0.09608045298802226},{"text":"Which one would you like me to pick for you?","start":2211.615,"end":2213.795,"sentiment":"neutral","sentiment_score":0.07388133518397808}],"sentiment":"neutral","sentiment_score":0.08998165940683261,"num_words":102,"start":2180.625,"end":2213.795},{"sentences":[{"text":"Absolutely.","start":2216.495,"end":2216.995,"sentiment":"neutral","sentiment_score":0.21457913517951965},{"text":"Yeah.","start":2218.37,"end":2218.77,"sentiment":"neutral","sentiment_score":0.11796575039625168},{"text":"Absolutely.","start":2218.77,"end":2219.27,"sentiment":"neutral","sentiment_score":0.1371021866798401},{"text":"I know.","start":2221.09,"end":2221.83,"sentiment":"neutral","sentiment_score":0.0397457480430603},{"text":"I thought I sort of put it that way.","start":2222.21,"end":2223.49,"sentiment":"neutral","sentiment_score":-0.08361788425180647}],"sentiment":"neutral","sentiment_score":-0.01453017070889473,"num_words":14,"start":2216.495,"end":2223.49},{"sentences":[{"text":"I'm like, look.","start":2223.49,"end":2224.21,"sentiment":"neutral","sentiment_score":-0.06427297616998355},{"text":"The first two are pretty much a no go.","start":2224.21,"end":2226.87,"sentiment":"neutral","sentiment_score":-0.22854823370774588},{"text":"The third one's always the best one to do, and we check that nomination with you every year, so it's absolutely fine.","start":2227.25,"end":2233.475,"sentiment":"neutral","sentiment_score":0.15687973526391116},{"text":"Okay.","start":2234.0952,"end":2234.5952,"sentiment":"neutral","sentiment_score":0.06278300285339355},{"text":"X.","start":2236.0151,"end":2236.5151,"sentiment":"neutral","sentiment_score":0.08460289239883423}],"sentiment":"neutral","sentiment_score":0.03747186219940583,"num_words":36,"start":2223.49,"end":2236.5151},{"sentences":[{"text":"Oh, fantastic.","start":2236.975,"end":2237.875,"sentiment":"positive","sentiment_score":0.4085286408662796},{"text":"70 7,000.","start":2245.695,"end":2246.915,"sentiment":"neutral","sentiment_score":0.04965810850262642},{"text":"Yep.","start":2251.1501,"end":2251.6501,"sentiment":"neutral","sentiment_score":0.11656567454338074},{"text":"That's okay.","start":2251.79,"end":2252.61,"sentiment":"neutral","sentiment_score":0.18730851262807846},{"text":"So I will base your income protection policy on 77,000 for you.","start":2252.83,"end":2257.97,"sentiment":"neutral","sentiment_score":0.16441238236924013}],"sentiment":"neutral","sentiment_score":0.1779213045772753,"num_words":19,"start":2236.975,"end":2257.97},{"sentences":[{"text":"Then there we go.","start":2259.07,"end":2260.27,"sentiment":"neutral","sentiment_score":0.10983635857701302},{"text":"Perfect.","start":2260.27,"end":2260.75,"sentiment":"positive","sentiment_score":0.4339476227760315},{"text":"Easy.","start":2260.75,"end":2261.07,"sentiment":"positive","sentiment_score":0.35041072964668274},{"text":"Thank you for that.","start":2261.07,"end":2261.87,"sentiment":"neutral","sentiment_score":0.30835555493831635},{"text":"Sorry.","start":2261.87,"end":2262.1902,"sentiment":"neutral","sentiment_score":-0.21583880484104156}],"sentiment":"neutral","sentiment_score":0.20375338196754456,"num_words":11,"start":2259.07,"end":2262.1902},{"sentences":[{"text":"It took me so long to get in there.","start":2262.1902,"end":2263.97,"sentiment":"neutral","sentiment_score":-0.30061209864086574},{"text":"Painful at my job, isn't it?","start":2264.395,"end":2266.2551,"sentiment":"neutral","sentiment_score":-0.27728253851334256},{"text":"Yeah.","start":2270.3152,"end":2270.8152,"sentiment":"neutral","sentiment_score":-0.11319048702716827},{"text":"I know.","start":2270.955,"end":2271.695,"sentiment":"neutral","sentiment_score":-0.10399506613612175},{"text":"I do too.","start":2272.235,"end":2273.135,"sentiment":"neutral","sentiment_score":0.08869199206431706}],"sentiment":"neutral","sentiment_score":-0.21068136961687178,"num_words":21,"start":2262.1902,"end":2273.135},{"sentences":[{"text":"Oh, yep.","start":2280.92,"end":2282.8599,"sentiment":"neutral","sentiment_score":-0.09255819022655487},{"text":"Yep.","start":2293.0798,"end":2293.5798,"sentiment":"neutral","sentiment_score":-0.0031011055689305067},{"text":"Yep.","start":2294.5999,"end":2294.925,"sentiment":"neutral","sentiment_score":0.0003355058724991977},{"text":"Absolutely.","start":2305.485,"end":2305.985,"sentiment":"neutral","sentiment_score":-0.007258819416165352},{"text":"Yep.","start":2309.02,"end":2309.52,"sentiment":"neutral","sentiment_score":-0.10613301396369934}],"sentiment":"neutral","sentiment_score":-0.050212302254900955,"num_words":6,"start":2280.92,"end":2309.52},{"sentences":[{"text":"Oh, goodness, man.","start":2311.4202,"end":2312.54,"sentiment":"neutral","sentiment_score":-0.2468524972597758},{"text":"It's a painful thing.","start":2312.54,"end":2313.58,"sentiment":"negative","sentiment_score":-0.4846195951104164},{"text":"I we did.","start":2313.58,"end":2315.02,"sentiment":"neutral","sentiment_score":-0.14534306277831396},{"text":"I always think with these sorts of things, the person who builds them sits there and goes, what can we do to annoy the most amount of people we possibly can on a regular basis?","start":2315.02,"end":2323.9202,"sentiment":"neutral","sentiment_score":-0.2781413167715073},{"text":"Let's do it this way.","start":2324.095,"end":2330.0352,"sentiment":"neutral","sentiment_score":-0.07149579748511314}],"sentiment":"neutral","sentiment_score":-0.2641498026996851,"num_words":50,"start":2311.4202,"end":2330.0352},{"sentences":[{"text":"It's shocking, isn't it?","start":2331.695,"end":2333.215,"sentiment":"neutral","sentiment_score":-0.28764504939317703},{"text":"Oh, goodness me.","start":2333.215,"end":2334.5151,"sentiment":"neutral","sentiment_score":-0.11782623579104741},{"text":"The only other thing to sort of double check is extended to 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fortnight.","start":2358.585,"end":2359.325,"sentiment":"neutral","sentiment_score":0.038501786068081856},{"text":"Beautiful.","start":2359.385,"end":2359.885,"sentiment":"positive","sentiment_score":0.5271011590957642},{"text":"Excellent.","start":2359.945,"end":2360.445,"sentiment":"positive","sentiment_score":0.45097148418426514}],"sentiment":"neutral","sentiment_score":0.10253166041981715,"num_words":13,"start":2353.145,"end":2360.445},{"sentences":[{"text":"And then any changes to your role at work?","start":2361.865,"end":2364.585,"sentiment":"neutral","sentiment_score":0.062302334441079035},{"text":"I've got occupation as a machine operator.","start":2364.585,"end":2366.825,"sentiment":"neutral","sentiment_score":0.023917903059295247},{"text":"Have you had any promotions or still in the same employment?","start":2366.825,"end":2371.0398,"sentiment":"neutral","sentiment_score":0.0025892255997115917},{"text":"Yep.","start":2373.8198,"end":2374.3198,"sentiment":"neutral","sentiment_score":-0.023535575717687607},{"text":"Oh, not good enough.","start":2376.6199,"end":2377.68,"sentiment":"neutral","sentiment_score":-0.16017109900712967}],"sentiment":"neutral","sentiment_score":0.002887745038606226,"num_words":32,"start":2361.865,"end":2377.68},{"sentences":[{"text":"And I just need to update Next of Kin contact phone number as well because I don't have that on file here.","start":2381.0452,"end":2385.6052,"sentiment":"neutral","sentiment_score":-0.013706710274246607},{"text":"But can I grab your partner's phone number as Next of Kin as well?","start":2385.6052,"end":2388.905,"sentiment":"neutral","sentiment_score":0.0016756063061101095},{"text":"There we go.","start":2390.405,"end":2391.145,"sentiment":"neutral","sentiment_score":0.0022333506494760513},{"text":"If you know it, I'm so sorry.","start":2392.165,"end":2393.625,"sentiment":"neutral","sentiment_score":-0.06659275825534548},{"text":"Yep.","start":2398.82,"end":2399.2202,"sentiment":"neutral","sentiment_score":-0.0051629324443638325}],"sentiment":"neutral","sentiment_score":-0.01580215587300506,"num_words":47,"start":2381.0452,"end":2399.2202},{"sentences":[{"text":"Yep.","start":2399.2202,"end":2399.7202,"sentiment":"neutral","sentiment_score":0.006342603825032711},{"text":"482.","start":2401.86,"end":2402.9001,"sentiment":"neutral","sentiment_score":0.0171757061034441},{"text":"Fantastic.","start":2402.9001,"end":2403.4001,"sentiment":"positive","sentiment_score":0.415339082479477},{"text":"Thank you for 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off?","start":2416.3252,"end":2418.745,"sentiment":"neutral","sentiment_score":-0.028254138719704416},{"text":"Nope.","start":2420.5652,"end":2421.0452,"sentiment":"neutral","sentiment_score":0.011553123593330383},{"text":"All done?","start":2421.0452,"end":2421.685,"sentiment":"neutral","sentiment_score":0.11485200002789497}],"sentiment":"neutral","sentiment_score":-0.0030322880769262507,"num_words":49,"start":2406.26,"end":2421.685},{"sentences":[{"text":"Perfect.","start":2421.685,"end":2422.185,"sentiment":"positive","sentiment_score":0.5688412189483643},{"text":"So goal wise, over the next one, two, three, or even ten years, what other goals do you have, if any, that you are hoping to sort of achieve?","start":2423.01,"end":2430.87,"sentiment":"neutral","sentiment_score":0.186983249567706},{"text":"I have some mortgage.","start":2433.25,"end":2434.21,"sentiment":"neutral","sentiment_score":0.24314218759536743},{"text":"I love 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there will be a vicious cycle.","start":2449.125,"end":2457.8203,"sentiment":"negative","sentiment_score":-0.376684958594186}],"sentiment":"neutral","sentiment_score":-0.22528437944975765,"num_words":55,"start":2437.205,"end":2457.8203},{"sentences":[{"text":"It will keep doing the exact same thing for the next thirty odd years.","start":2457.8203,"end":2461.04,"sentiment":"negative","sentiment_score":-0.4453841745853424},{"text":"Yeah.","start":2462.06,"end":2462.56,"sentiment":"neutral","sentiment_score":-0.052911557257175446},{"text":"Yeah.","start":2469.835,"end":2470.335,"sentiment":"neutral","sentiment_score":-0.09875886142253876},{"text":"No.","start":2476.555,"end":2476.955,"sentiment":"neutral","sentiment_score":-0.2125508189201355},{"text":"I understand 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fun.","start":2498.575,"end":2499.4749,"sentiment":"neutral","sentiment_score":0.2850318451722463},{"text":"Yeah.","start":2508.0898,"end":2508.41,"sentiment":"neutral","sentiment_score":0.07467157393693924},{"text":"No.","start":2508.41,"end":2508.65,"sentiment":"neutral","sentiment_score":-0.023775659501552585}],"sentiment":"neutral","sentiment_score":-0.15449671539133542,"num_words":73,"start":2477.835,"end":2508.65},{"sentences":[{"text":"They brought that in very fast and very much out of the blue.","start":2508.65,"end":2512.27,"sentiment":"neutral","sentiment_score":0.05856063245580746},{"text":"So, yeah, it's all kinda changing over the course of the next year or two and trust in the next three years as well.","start":2512.5698,"end":2518.49,"sentiment":"neutral","sentiment_score":0.016603023279458284},{"text":"So there's a lot of changes coming in that we've had to kinda factor into advice very quickly to make sure that it's all still working 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got that text message that someone woke up and went, that's right.","start":2553.925,"end":2556.965,"sentiment":"neutral","sentiment_score":-0.32847520283290316}],"sentiment":"neutral","sentiment_score":-0.3037238652376752,"num_words":38,"start":2543.01,"end":2556.965},{"sentences":[{"text":"That was occurring.","start":2556.965,"end":2557.8652,"sentiment":"neutral","sentiment_score":-0.314872940381368},{"text":"And it turns out so many people didn't get it.","start":2558.0051,"end":2560.165,"sentiment":"negative","sentiment_score":-0.5259883642196655},{"text":"It didn't work properly, and I was like, well, that was a waste of time.","start":2560.165,"end":2562.8052,"sentiment":"negative","sentiment_score":-0.6892498215039571},{"text":"So So we gotta get back to the drawing board and start again.","start":2562.8052,"end":2565.31,"sentiment":"negative","sentiment_score":-0.4439884813932272},{"text":"More money wasted.","start":2565.31,"end":2566.53,"sentiment":"neutral","sentiment_score":-0.2847958654165268}],"sentiment":"negative","sentiment_score":-0.5265792645514011,"num_words":44,"start":2556.965,"end":2566.53},{"sentences":[{"text":"Yep.","start":2571.47,"end":2571.95,"sentiment":"neutral","sentiment_score":-0.18346276879310608},{"text":"It's insane.","start":2571.95,"end":2572.85,"sentiment":"negative","sentiment_score":-0.4573063403367996},{"text":"Correct.","start":2577.2952,"end":2577.7952,"sentiment":"neutral","sentiment_score":-0.0419326089322567},{"text":"Absolutely.","start":2580.2551,"end":2580.7551,"sentiment":"neutral","sentiment_score":0.0234637837857008},{"text":"I could think of a million things that would be much better.","start":2581.215,"end":2583.875,"sentiment":"neutral","sentiment_score":-0.1978227592383822}],"sentiment":"neutral","sentiment_score":-0.20531866973375573,"num_words":17,"start":2571.47,"end":2583.875},{"sentences":[{"text":"Oh god.","start":2584.095,"end":2584.835,"sentiment":"neutral","sentiment_score":-0.16791919618844986},{"text":"Yeah.","start":2591.57,"end":2592.07,"sentiment":"neutral","sentiment_score":-0.038680300116539},{"text":"No.","start":2592.1301,"end":2592.29,"sentiment":"neutral","sentiment_score":-0.21431750059127808},{"text":"That's it.","start":2592.29,"end":2593.11,"sentiment":"neutral","sentiment_score":-0.19851581752300262},{"text":"That's it.","start":2593.1702,"end":2593.9102,"sentiment":"neutral","sentiment_score":-0.14934276789426804}],"sentiment":"neutral","sentiment_score":-0.16056917048990726,"num_words":8,"start":2584.095,"end":2593.9102},{"sentences":[{"text":"That's it.","start":2594.05,"end":2594.61,"sentiment":"neutral","sentiment_score":-0.13654442876577377},{"text":"That's it.","start":2594.61,"end":2595.09,"sentiment":"neutral","sentiment_score":-0.12027272954583168},{"text":"That's it.","start":2595.09,"end":2598.75,"sentiment":"neutral","sentiment_score":-0.2628747373819351},{"text":"That's exactly right.","start":2601.4102,"end":2602.665,"sentiment":"neutral","sentiment_score":-0.15185819317897162},{"text":"Anyone who wants to be in politics should automatically be excluded from being allowed to do it.","start":2602.905,"end":2608.425,"sentiment":"negative","sentiment_score":-0.3935101628303528}],"sentiment":"neutral","sentiment_score":-0.31479350534769207,"num_words":26,"start":2594.05,"end":2608.425},{"sentences":[{"text":"That, unfortunately, would leave us with no one, but, I mean, yeah, better than that one.","start":2608.425,"end":2613.385,"sentiment":"negative","sentiment_score":-0.5005338881164789},{"text":"It's it's insane.","start":2613.385,"end":2614.845,"sentiment":"negative","sentiment_score":-0.6174856225649515},{"text":"The people who make decisions and get in there and then tell us they're not gonna make changes, and then they change everything anyway.","start":2614.985,"end":2620.86,"sentiment":"negative","sentiment_score":-0.47479963054259616},{"text":"It's like, hang on a second.","start":2620.86,"end":2622.32,"sentiment":"negative","sentiment_score":-0.42394596338272095},{"text":"How do we trust anyone anymore?","start":2622.78,"end":2624.48,"sentiment":"negative","sentiment_score":-0.49929454922676086}],"sentiment":"negative","sentiment_score":-0.4871933324770494,"num_words":55,"start":2608.425,"end":2624.48},{"sentences":[{"text":"Shocking.","start":2624.78,"end":2625.28,"sentiment":"negative","sentiment_score":-0.575838565826416},{"text":"They are.","start":2630.8452,"end":2631.405,"sentiment":"negative","sentiment_score":-0.4042089134454727},{"text":"They absolutely 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assets.","start":2645.23,"end":2649.01,"sentiment":"neutral","sentiment_score":0.10191011428833008},{"text":"So, like, Australian shares, international shares, listed property, and commodities like gold and silver.","start":2649.0698,"end":2654.69,"sentiment":"neutral","sentiment_score":0.06322376696126801},{"text":"And then the other 20 in low risk defensive investments, the things like cash, loans, and fixed interest.","start":2655.055,"end":2660.995,"sentiment":"neutral","sentiment_score":0.024994263011548255}],"sentiment":"neutral","sentiment_score":0.013065929294509046,"num_words":85,"start":2635.0852,"end":2660.995},{"sentences":[{"text":"A growth portfolio, you're looking to try and average about nine so seven to 9% on a yearly basis.","start":2661.215,"end":2666.835,"sentiment":"neutral","sentiment_score":0.0536160923932728},{"text":"It suits someone who's not accessing their money for about six years, which you have more than that time ahead of you, and we do expect the likelihood of a negative return to be about one in every sort of five years or so.","start":2667.5498,"end":2679.405,"sentiment":"neutral","sentiment_score":-0.16122427574274215},{"text":"When we sort of look at that, so your time horizon for your with your stage in life, you are suited to the growth environment.","start":2680.285,"end":2687.2651,"sentiment":"neutral","sentiment_score":0.046342064440250394},{"text":"But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are.","start":2687.965,"end":2693.825,"sentiment":"neutral","sentiment_score":0.0073901996947824955},{"text":"If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling?","start":2694.09,"end":2704.27,"sentiment":"neutral","sentiment_score":-0.19672142952266666}],"sentiment":"neutral","sentiment_score":-0.07987309078610427,"num_words":148,"start":2661.215,"end":2704.27},{"sentences":[{"text":"Do you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime?","start":2704.33,"end":2711.805,"sentiment":"neutral","sentiment_score":0.03236934900283814},{"text":"Are you a bit nervous maybe calling us and seeing what we suggest to do, or are you feeling very concerned and maybe wanting to sell the investment down to to cash or fund a a lower risk portfolio?","start":2712.345,"end":2723.1301,"sentiment":"neutral","sentiment_score":-0.2991622621432329},{"text":"How do you think you might react?","start":2723.35,"end":2724.81,"sentiment":"neutral","sentiment_score":-0.15798149577208928},{"text":"Yep.","start":2731.9102,"end":2732.325,"sentiment":"neutral","sentiment_score":0.13487792015075684},{"text":"Absolutely.","start":2737.685,"end":2738.185,"sentiment":"positive","sentiment_score":0.3608167171478271}],"sentiment":"neutral","sentiment_score":-0.15709959358385164,"num_words":73,"start":2704.33,"end":2738.185},{"sentences":[{"text":"Perfect.","start":2738.645,"end":2739.145,"sentiment":"positive","sentiment_score":0.5281401872634888},{"text":"Yeah.","start":2741.045,"end":2741.525,"sentiment":"neutral","sentiment_score":0.2257162630558014},{"text":"Yeah.","start":2741.525,"end":2741.845,"sentiment":"neutral","sentiment_score":0.29557839035987854},{"text":"Absolutely.","start":2741.845,"end":2742.345,"sentiment":"positive","sentiment_score":0.5170618891716003},{"text":"Fantastic.","start":2742.885,"end":2743.385,"sentiment":"positive","sentiment_score":0.6688016057014465}],"sentiment":"positive","sentiment_score":0.4470596671104431,"num_words":5,"start":2738.645,"end":2743.385},{"sentences":[{"text":"The next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds?","start":2744.4849,"end":2750.77,"sentiment":"neutral","sentiment_score":0.102189423273439},{"text":"Do you feel like you'd be comfortable if you have the right advice?","start":2750.77,"end":2753.91,"sentiment":"neutral","sentiment_score":0.07747293091737308},{"text":"Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it?","start":2754.21,"end":2760.925,"sentiment":"neutral","sentiment_score":-0.31383249299092725},{"text":"You would only ever borrow for, say, buying property.","start":2760.925,"end":2763.2449,"sentiment":"neutral","sentiment_score":-0.1461753331952625},{"text":"How do you think you feel?","start":2763.2449,"end":2764.545,"sentiment":"neutral","sentiment_score":-0.0842166393995285}],"sentiment":"neutral","sentiment_score":-0.07352997046219159,"num_words":73,"start":2744.4849,"end":2764.545},{"sentences":[{"text":"Mhmm.","start":2769.165,"end":2769.665,"sentiment":"neutral","sentiment_score":0.02138242870569229},{"text":"Yep.","start":2769.7249,"end":2770.125,"sentiment":"neutral","sentiment_score":0.13375252485275269},{"text":"Perfect.","start":2770.125,"end":2770.625,"sentiment":"positive","sentiment_score":0.4902304112911224},{"text":"Lovely.","start":2772.045,"end":2772.545,"sentiment":"positive","sentiment_score":0.45284345746040344},{"text":"Have you ever owned investments like shares in your own name in the car?","start":2773.9302,"end":2777.79,"sentiment":"neutral","sentiment_score":0.07564031066639083}],"sentiment":"neutral","sentiment_score":0.11984295397996902,"num_words":18,"start":2769.165,"end":2777.79},{"sentences":[{"text":"No.","start":2779.37,"end":2779.61,"sentiment":"neutral","sentiment_score":-0.0429411381483078},{"text":"That's okay.","start":2779.61,"end":2780.35,"sentiment":"neutral","sentiment_score":0.059636812657117844},{"text":"Beautiful.","start":2780.4102,"end":2780.9102,"sentiment":"positive","sentiment_score":0.5278163552284241},{"text":"The other one I've ticked off here is that you're looking to try and get the best return you possibly can, say 8% and above on a yearly basis.","start":2781.77,"end":2788.27,"sentiment":"neutral","sentiment_score":0.1617377495457386},{"text":"That sounds about right.","start":2788.865,"end":2789.7449,"sentiment":"neutral","sentiment_score":0.264674287289381}],"sentiment":"neutral","sentiment_score":0.1717092088750891,"num_words":37,"start":2779.37,"end":2789.7449},{"sentences":[{"text":"You're happy for me to tick that box?","start":2789.7449,"end":2793.345,"sentiment":"positive","sentiment_score":0.35531165078282356},{"text":"Yeah.","start":2793.345,"end":2793.6648,"sentiment":"neutral","sentiment_score":0.2198048233985901},{"text":"Beautiful.","start":2793.6648,"end":2794.1648,"sentiment":"positive","sentiment_score":0.47223716974258423},{"text":"Excellent.","start":2794.385,"end":2794.885,"sentiment":"positive","sentiment_score":0.4308697283267975},{"text":"So, realistically, the risk level with the the growth portfolio, if you think of risk out of another between one and five, one being all in cash, not taking much risk in the market, five being the highest level of risk, all in equities, you're sitting at about a three.","start":2795.905,"end":2811.08,"sentiment":"neutral","sentiment_score":0.02997711881995201}],"sentiment":"neutral","sentiment_score":0.08957804702833051,"num_words":61,"start":2789.7449,"end":2811.08},{"sentences":[{"text":"So you are kinda middle of the range.","start":2811.2202,"end":2812.98,"sentiment":"neutral","sentiment_score":0.08172890916466713},{"text":"Do you feel like that's fairly comfortable for where you are?","start":2812.98,"end":2815.78,"sentiment":"neutral","sentiment_score":0.0686962099915201},{"text":"You sort of scored in that range so that growth portfolio does suit you, but just making sure you're fairly comfortable in that range.","start":2815.78,"end":2823.025,"sentiment":"neutral","sentiment_score":0.037601552826041974},{"text":"Yep.","start":2825.165,"end":2825.665,"sentiment":"neutral","sentiment_score":0.14129476249217987},{"text":"Beautiful.","start":2826.285,"end":2826.785,"sentiment":"positive","sentiment_score":0.38177669048309326}],"sentiment":"neutral","sentiment_score":0.06299996231165197,"num_words":45,"start":2811.2202,"end":2826.785},{"sentences":[{"text":"Excellent.","start":2828.9248,"end":2829.4248,"sentiment":"positive","sentiment_score":0.45884621143341064},{"text":"Lovely.","start":2829.565,"end":2830.045,"sentiment":"positive","sentiment_score":0.41115590929985046},{"text":"Well, what I'll do is I'll reassess the insurances.","start":2830.045,"end":2832.4648,"sentiment":"neutral","sentiment_score":0.11461621605687672},{"text":"I'll go back and see what I can find for you.","start":2832.605,"end":2834.2048,"sentiment":"neutral","sentiment_score":0.14194294674830002},{"text":"We'll update the advice to reflect.","start":2834.2048,"end":2835.825,"sentiment":"neutral","sentiment_score":0.11218707511822383}],"sentiment":"neutral","sentiment_score":0.14771581893520697,"num_words":28,"start":2828.9248,"end":2835.825},{"sentences":[{"text":"I will also just go back and look at the super, the investments, how everything's performing between your BP super, your old Asgard super, and also hub.","start":2836.65,"end":2845.6099,"sentiment":"neutral","sentiment_score":0.10701399351711627},{"text":"Look at consolidating everything over and look at what we can do to get that sorted for you.","start":2845.6099,"end":2849.8499,"sentiment":"neutral","sentiment_score":0.14971587020489904},{"text":"I'll update the advice.","start":2849.8499,"end":2851.0698,"sentiment":"neutral","sentiment_score":0.06980644538998604},{"text":"It takes about four weeks for me to complete that now for you.","start":2851.9949,"end":2855.355,"sentiment":"neutral","sentiment_score":0.07402239825863105},{"text":"Am I okay to book you in now for, say, in four weeks to go through that with you, Steven?","start":2855.355,"end":2860.7349,"sentiment":"neutral","sentiment_score":0.06851359531283378}],"sentiment":"neutral","sentiment_score":0.09995185797352617,"num_words":82,"start":2836.65,"end":2860.7349},{"sentences":[{"text":"Yeah.","start":2862.795,"end":2863.1948,"sentiment":"neutral","sentiment_score":0.136806458234787},{"text":"Beautiful.","start":2863.1948,"end":2863.6948,"sentiment":"neutral","sentiment_score":0.21438732743263245},{"text":"So that brings us up until oh, that's the August 27.","start":2864.075,"end":2870.48,"sentiment":"neutral","sentiment_score":0.05301479554989121},{"text":"Is what day normally suits you better through the week to go through this?","start":2871.2598,"end":2875.7598,"sentiment":"neutral","sentiment_score":0.03441310540906021},{"text":"Monday to Thursday?","start":2875.9,"end":2876.96,"sentiment":"neutral","sentiment_score":-0.0050593363121151915}],"sentiment":"neutral","sentiment_score":0.046698733450224,"num_words":30,"start":2862.795,"end":2876.96},{"sentences":[{"text":"Yeah.","start":2897.4202,"end":2897.82,"sentiment":"neutral","sentiment_score":0.21633154153823853},{"text":"Absolutely.","start":2897.82,"end":2898.32,"sentiment":"neutral","sentiment_score":0.32312673330307007},{"text":"And is it sort of afternoon after, say, three, four, or 05:00 that works better for you?","start":2898.78,"end":2903.895,"sentiment":"neutral","sentiment_score":0.14025521541343017},{"text":"Yep.","start":2905.175,"end":2905.575,"sentiment":"neutral","sentiment_score":0.21620289981365204},{"text":"Beautiful.","start":2905.575,"end":2905.975,"sentiment":"positive","sentiment_score":0.46641165018081665}],"sentiment":"neutral","sentiment_score":0.17173388032686143,"num_words":21,"start":2897.4202,"end":2905.975},{"sentences":[{"text":"What if I put you in for Monday, August 24?","start":2905.975,"end":2909.035,"sentiment":"neutral","sentiment_score":0.11459998115897178},{"text":"I can book it out for, say, four or 05:00.","start":2909.655,"end":2912.535,"sentiment":"neutral","sentiment_score":0.09776696264743805},{"text":"What would you prefer?","start":2912.535,"end":2913.595,"sentiment":"neutral","sentiment_score":0.05580826662480831},{"text":"Yep.","start":2917.575,"end":2917.895,"sentiment":"neutral","sentiment_score":0.3134585916996002},{"text":"Perfect.","start":2917.895,"end":2918.395,"sentiment":"positive","sentiment_score":0.7362576723098755}],"sentiment":"neutral","sentiment_score":0.13063918340664643,"num_words":26,"start":2905.975,"end":2918.395},{"sentences":[{"text":"Easy done.","start":2918.7,"end":2919.42,"sentiment":"positive","sentiment_score":0.7675704956054688},{"text":"I'll book that out there for you.","start":2919.42,"end":2921.2,"sentiment":"positive","sentiment_score":0.5625740545136588},{"text":"It is a couple of weeks away, so I'll add a text message reminder so it sends you a message today of to let you know that you are booked in.","start":2921.3398,"end":2927.66,"sentiment":"neutral","sentiment_score":0.3198682889342308},{"text":"And if anything comes up, if you find you can't make that appointment, that's okay.","start":2927.66,"end":2931.645,"sentiment":"neutral","sentiment_score":0.04078789750734965},{"text":"Just let us know.","start":2931.645,"end":2932.365,"sentiment":"neutral","sentiment_score":0.26132096722722054}],"sentiment":"neutral","sentiment_score":0.288918282394692,"num_words":59,"start":2918.7,"end":2932.365},{"sentences":[{"text":"We'll happily reschedule it.","start":2932.365,"end":2933.805,"sentiment":"positive","sentiment_score":0.4478044956922531},{"text":"No issues at all.","start":2933.805,"end":2935.085,"sentiment":"neutral","sentiment_score":0.2871829979121685},{"text":"But I just wanna make sure I have you in and booked in ready to go through that one in about four weeks, and I'll just complete the research in the meantime there.","start":2935.325,"end":2942.445,"sentiment":"neutral","sentiment_score":0.2130880184245832},{"text":"Okay?","start":2942.445,"end":2942.945,"sentiment":"neutral","sentiment_score":0.1255742311477661},{"text":"Beautiful.","start":2945.085,"end":2945.585,"sentiment":"neutral","sentiment_score":0.22949108481407168}],"sentiment":"neutral","sentiment_score":0.2401609278695528,"num_words":43,"start":2932.365,"end":2945.585},{"sentences":[{"text":"Yep.","start":2946.91,"end":2947.41,"sentiment":"neutral","sentiment_score":0.1369815170764923},{"text":"Yeah.","start":2950.03,"end":2950.53,"sentiment":"neutral","sentiment_score":0.05388222634792328},{"text":"Absolutely.","start":2950.99,"end":2951.47,"sentiment":"neutral","sentiment_score":0.0648004487156868},{"text":"If you like well yeah.","start":2951.47,"end":2952.91,"sentiment":"neutral","sentiment_score":0.06845573298633098},{"text":"Normally, we said at the time of, but what I can do is I can let my team know that we need all of that done on the Thursday prior, and I can email it to you on the Thursday.","start":2952.91,"end":2962.605,"sentiment":"neutral","sentiment_score":0.1448013002052903}],"sentiment":"neutral","sentiment_score":0.13312489302673688,"num_words":48,"start":2946.91,"end":2962.605},{"sentences":[{"text":"That way, you can read through the document, then we can go through it together, and you can have any questions pre prepared to make it easier on you.","start":2962.605,"end":2969.325,"sentiment":"neutral","sentiment_score":0.18567125499248505},{"text":"Okay?","start":2969.325,"end":2969.825,"sentiment":"neutral","sentiment_score":0.11057183146476746},{"text":"Yeah.","start":2973.5,"end":2974.0,"sentiment":"neutral","sentiment_score":0.1821264624595642},{"text":"That's okay.","start":2974.38,"end":2975.1199,"sentiment":"neutral","sentiment_score":0.2318194955587387},{"text":"It is a lot to go through.","start":2975.98,"end":2977.26,"sentiment":"neutral","sentiment_score":0.13019487687519618}],"sentiment":"neutral","sentiment_score":0.17630419544875622,"num_words":40,"start":2962.605,"end":2977.26},{"sentences":[{"text":"If you remember the last statement of advice, there's a lot of sections.","start":2977.26,"end":2980.4,"sentiment":"neutral","sentiment_score":0.10549657906477268},{"text":"So if I have it sent to you on the Thursday prior, that way you can go through it over the course of the weekend.","start":2980.6199,"end":2985.98,"sentiment":"neutral","sentiment_score":0.23778899192810057},{"text":"And then on the Monday afternoon, we can talk it through.","start":2985.98,"end":2988.585,"sentiment":"neutral","sentiment_score":0.198579033667391},{"text":"Okay?","start":2988.585,"end":2989.085,"sentiment":"neutral","sentiment_score":0.270488440990448},{"text":"Easy.","start":2991.225,"end":2991.725,"sentiment":"positive","sentiment_score":0.49329084157943726}],"sentiment":"neutral","sentiment_score":0.20126135252854405,"num_words":51,"start":2977.26,"end":2991.725},{"sentences":[{"text":"All good.","start":2991.785,"end":2992.5051,"sentiment":"positive","sentiment_score":0.5999866425991058},{"text":"Is there any questions that you might have for me?","start":2992.5051,"end":2994.5051,"sentiment":"neutral","sentiment_score":0.12216615919023752},{"text":"Anything you think I maybe haven't touched base on or wanted to kind of ask me as part of the call?","start":2994.5051,"end":3000.845,"sentiment":"neutral","sentiment_score":0.017988329997197502},{"text":"Yeah.","start":3004.03,"end":3004.53,"sentiment":"neutral","sentiment_score":0.14637954533100128},{"text":"Yeah.","start":3005.03,"end":3005.53,"sentiment":"positive","sentiment_score":0.3405083417892456}],"sentiment":"neutral","sentiment_score":0.09389364840462804,"num_words":35,"start":2991.785,"end":3005.53},{"sentences":[{"text":"Beautiful.","start":3006.03,"end":3006.53,"sentiment":"positive","sentiment_score":0.7497866749763489},{"text":"Excellent.","start":3006.75,"end":3007.25,"sentiment":"positive","sentiment_score":0.7466824054718018},{"text":"Well, if there's anything further or I need any additional information, I'll make sure my team come back and ask.","start":3007.47,"end":3011.8699,"sentiment":"neutral","sentiment_score":0.13221105970442296},{"text":"In the meantime, I'll get exactly to that research for you, and I'll aim to have it all sorted and ready to go on the Thursday, the twentieth.","start":3011.8699,"end":3019.925,"sentiment":"neutral","sentiment_score":0.2294645673994507},{"text":"That way, I can email it through to you before the call.","start":3020.065,"end":3022.465,"sentiment":"neutral","sentiment_score":0.1436504671971003}],"sentiment":"neutral","sentiment_score":0.1982178027110715,"num_words":62,"start":3006.03,"end":3022.465},{"sentences":[{"text":"Okay?","start":3022.465,"end":3022.965,"sentiment":"neutral","sentiment_score":0.09002910554409027},{"text":"Easy.","start":3025.425,"end":3025.925,"sentiment":"positive","sentiment_score":0.4256209135055542},{"text":"No worries at all.","start":3030.2998,"end":3031.18,"sentiment":"neutral","sentiment_score":0.2003002054989338},{"text":"Thank you so much for taking my call.","start":3031.18,"end":3032.94,"sentiment":"positive","sentiment_score":0.6904920935630798},{"text":"I hope you feel better.","start":3032.94,"end":3034.24,"sentiment":"positive","sentiment_score":0.524038553237915}],"sentiment":"positive","sentiment_score":0.49794633451261017,"num_words":19,"start":3022.465,"end":3034.24},{"sentences":[{"text":"If you can just take some time to thank you.","start":3034.7798,"end":3037.92,"sentiment":"neutral","sentiment_score":0.2028865285217762},{"text":"Take some time to have a look at the annual review documents.","start":3038.38,"end":3040.22,"sentiment":"neutral","sentiment_score":0.2183017060160637},{"text":"Once you're happy to sign and return them back to me, if you can do so, that would be fantastic, and we'll get everything sorted for you.","start":3040.22,"end":3046.225,"sentiment":"positive","sentiment_score":0.4135114324313623},{"text":"And I'll get those beneficiary nominations sent out to you ASAP as well.","start":3046.225,"end":3050.065,"sentiment":"neutral","sentiment_score":0.28433300440128034},{"text":"Okay.","start":3050.065,"end":3050.565,"sentiment":"neutral","sentiment_score":0.053052350878715515}],"sentiment":"neutral","sentiment_score":0.31051866414528045,"num_words":63,"start":3034.7798,"end":3050.565},{"sentences":[{"text":"That's the ongoing yeah.","start":3059.3901,"end":3061.95,"sentiment":"neutral","sentiment_score":0.004843129543587565},{"text":"Yeah.","start":3061.95,"end":3062.27,"sentiment":"neutral","sentiment_score":0.013489153236150742},{"text":"That's the ongoing service agreement.","start":3062.27,"end":3064.05,"sentiment":"neutral","sentiment_score":0.014071359112858773},{"text":"Yeah.","start":3064.27,"end":3064.6702,"sentiment":"neutral","sentiment_score":0.02207842469215393},{"text":"Yeah.","start":3064.6702,"end":3065.1702,"sentiment":"neutral","sentiment_score":0.02627497166395187}],"sentiment":"neutral","sentiment_score":0.012630988610908389,"num_words":12,"start":3059.3901,"end":3065.1702},{"sentences":[{"text":"You're you are you are absolutely fine.","start":3070.19,"end":3073.4548,"sentiment":"neutral","sentiment_score":-0.008018372846501214},{"text":"It sounds like you're ready for bed, and I've taken up way too much of your time.","start":3073.4548,"end":3076.575,"sentiment":"neutral","sentiment_score":-0.010068344938404418},{"text":"But I really appreciate you taking my call this afternoon.","start":3076.575,"end":3079.223,"sentiment":"positive","sentiment_score":0.38007100522518156},{"text":"I hope you feel better soon.","start":3079.223,"end":3080.763,"sentiment":"neutral","sentiment_score":-0.020506607368588448},{"text":"Thanks, David.","start":3083.5427,"end":3084.3428,"sentiment":"positive","sentiment_score":0.47360046207904816}],"sentiment":"neutral","sentiment_score":0.10470430615047614,"num_words":42,"start":3070.19,"end":3084.3428},{"sentences":[{"text":"Talk to you soon.","start":3084.3428,"end":3085.1428,"sentiment":"positive","sentiment_score":0.4044850766658783},{"text":"Have a good afternoon.","start":3085.1428,"end":3086.203,"sentiment":"positive","sentiment_score":0.4340097978711128},{"text":"Thanks.","start":3087.8628,"end":3088.3628,"sentiment":"positive","sentiment_score":0.34962403774261475},{"text":"Bye.","start":3088.4229,"end":3088.9229,"sentiment":"neutral","sentiment_score":0.20823979377746585}],"sentiment":"positive","sentiment_score":0.3911843329668045,"num_words":10,"start":3084.3428,"end":3088.9229}]}}]},{"alternatives":[{"transcript":"Hello? Good. Yes. Yeah. That's fine. No. No. No. I'm sick, but yeah. No. That's alright. Oh, that's alright. Yeah. Right. Both of my bosses brought it in brought it in to work mothers. No. No. No. No. That's alright. Not much going on at work at the moment, so just tagging along. No. No. That's alright. Yeah. Yeah. I could do that. Alright. Did you say you have sent them? Or oh, okay. Mhmm. Yeah. That's fine. Steven Charles Brown, 17 Byron Drive, Jimboom, Queensland 4280, 05/02/1986. Mhmm. Yeah. I can 12345. I've got 8. Yep. I couldn't even tell you what they were before. That's good. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Yeah. That sounds good. Just in regards to if if we do decide to sell down and then along, is that will will will there be a negative impact? Or, like, I don't know how that side works. So, obviously, if it if it's down, it's gonna be capturing a loss. So how like, how how does all that work? Yep. Mhmm. Yeah. Yeah. No. That makes sense. I'm I'm happy to do that. That's fine because, I mean, nobody likes losing money. But but with it being realized and and, yeah, captured as a loss, like, obviously, it's a loss. Does that affect anything else, like tax returns or or anything like that? Mhmm. Okay. Okay. Mhmm. Yep. Yeah. Yeah. No. That sounds good. Yep. Can I just say full? That's gone straight over my head. Can I well, I like both options? Can can I be the pain and and yeah. Can you can you give me a comparison between some some of them in in this year's review for me to look at? Yeah. That sounds alright. That sounds like yeah. Yeah. That sounds like it covers best of both worlds. So yeah. No. That sounds good. Yeah. I'll I'll let I'll let you have a look at all of the different options. But, yeah, I I do like, yeah, I like the sounds of the best of both worlds, but you'll be advising you understand these things. I don't. Clearly, I have no idea really. Mhmm. Temperature. Yep. No. No. I have a slab, and I have a frame sitting on the ground waiting to be erected. You and me both, but, no, we didn't start until April. March, April, May. I think it was May. I don't know. Somewhere around it. But, yeah, we've we've had the flood and then we've had rain and then that got delayed and then yeah. So now we're just waiting on a a carpenter to turn up to erect a frame for us, which should be awesome. Original fighting was we should be in for Christmas. So as long as everything runs smoothly, that would be good. No. That's alright. I would love to say yes, but no. And then the current house that we're in, the owners decide that he wants to sell that one, and it's now hit us up and see if we're in a position to buy. I'm like, we you know, I think that's, like, four months ago. So yeah. Yeah. Oh, it's been great. I'll tell you. Now I've got bloody open homes every week. I never wanna do that again ever. Yeah. Yeah. Well, that was that was my original plan. So, yeah, at least it's covered, and it's it's not a burden to to him afterwards. Yeah. It does. Just sorry. Just one question on that t well, on the TPI and the and the life. Well, the life, it doesn't really apply, but the TPD size. Is that any occupation, or is that my current occupation? Okay. Yep. Mhmm. Yes. It would be. Mhmm. Yeah. I might actually look into that because, yeah, as you said, it would be easier, and I do know of somebody who has been caught out by that. Sorry to keep adding all the leaks to things. Yeah. Yeah. Just to make it hot. Yep. Mhmm. Yeah. We might look at increasing that as well. From memory, I get about 2,300 a fortnight. So whatever that works out to. And that well, that's that's big. No. No. Mhmm. Mhmm. Mhmm. Perfect. Yeah. There it is. Mhmm. Yeah. I'll have to have a look. As I said, I know it's about 2,300 or fortnight that I get banked. But, yeah, I couldn't actually tell you. That's pretty sad. Yep. Alright. Yep. Okay. I'll continue. I'll no. No. That's alright. I'll I'll look in my account while we continue this conversation because I got three different ones just fine in and out of. So yeah. It's yeah. It's stupid. For your security, please place your browser. I would like to guess it. Yes. I don't actually know the answer to that question. Yeah. That that would be good. We sort of can get a sort of an idea of what's there and what's available. Mhmm. Yeah. Okay. No. I don't think so at this stage. Mhmm. Yes, please. Yeah. No. That's fine. Yep. What is going on here? No. Not at this stage. Everything's going along nicely. Look. I'm still on the medication. That's most likely gonna be a a lifetime thing. But all the other medication for what sort of thing gout and and that sort of stuff is taking me off that, so no longer taking that. It's just the anti inflammatories is required and the humira injections. He's got me on Mobic. Per fortnight. Okay. I'm not having any luck with myGov, so it just keeps telling me to close my for your security, please close your browser. I'm like, I'm not even logged in. Like, just let me log in. Oh, it's bloody ridiculous. I tell you. I would love to reply earlier. But yeah. Unfortunately. I'll have to win the gold medal in order to do that, I tell you. Yeah. You you you and me both. Yep. Awesome. Yeah. God knows in today's current market with everything that's going on. I would I would I would like to pay probably $1.02, $1.03. No. That'll be fine. Yep. No. She died. Yeah. Yeah. She died. Very short and quick painful death. I replaced it with a 2025 RAV four. No. It is a it is a very nice car to drive. It definitely is not a high luxe. It's much better suited for our requirements now. So oh, freaking nose. Jeez, you like asking hard questions, don't you? Oh, probably 60. Alright. It's about 9,000. Nice. Mhmm. Mhmm. Email email is fine. Yeah. Okay. That last one sounds good. We'll do it once once only, hopefully. Okay. I finally got into myGov. So the 2526 was 77 basically, 77,000. Like, five well, it's about $80 shy of that. So Oh, that's alright. It's not yours, though. It's just bloody I I hate my compassion. I really do. Oh, it's an absolute nightmare, especially when it doesn't wanna sign in. And then you get a passcode, and then it saves the passcode as, like, letter and number combination. I'm like, yeah. Because that really helps me when you manage three, like, up accounts. How do I know which one is what one? So then you play the the the Russian roulette game of which one is it until you finally pick the right one. And half the time you pick the other ones more than once, it's like, oh my god. So we got there in the end. I have to agree with you because they certainly do. Yeah. Yeah. We normally get about 800 for the side extra at the moment. Fortnight. Same employment, no promotions, no increase. I know. It's pretty yeah. I know. Right? Yes. It's no. No. 0439636 482. Nope. Pay off the mortgage. Oh, that'd be lovely. But, no, unfortunately, I don't see that happening. I just keep hearing up, up, up. Yeah. Yeah. Unfortunately, yeah, it would be nice, but, yeah, our government keeps keeping money against the wall. Nothing's gonna change. Yeah. I'm glad that's you and not me. That's all I can say on that. Yeah. Unfortunately, they make a lot of decisions that aren't good. About a 100 and 30 $2,000,000 waste on Oz Alert. Like, hello? Yeah. No. We're we're just gonna scrap that idea and and blow over a $132,000,000 in the process. Like, do we not have anything better to spend a $132,000,000 on? Like, maybe increasing housing, for instance. No. Yeah. Like I said, pissing money up a wall, but with everyone else's tax money. But anyway, what do we do? Can't do anything. Unfortunately, we all need a a massive eject button and boot the whole lot of them here. Yep. That's exactly right. They're they're always bad at each other. Mhmm. Ready? If it were to downturn like that, I think I would be I would prefer to be putting more into it to, yeah, reap the benefit of when it comes back. As long as I've got time up my sleeve anyway. I probably would with the right advice. No. Yep. Yeah. Yeah. Yeah. That's fine. Yeah. Either a Monday or a Thursday is probably the better sorry. Monday or Wednesday is probably the better oh, actually, no. Let's go Monday or Thursday is probably the better day. Yeah. Yeah. Probably five would be better. Okay. And just prior to that call, I will receive that information for me to review prior to or or the time off? Okay. Yep. Yeah. That might yeah. That that might be good. Yep. Sounds good. No. I think we're pretty well covered, I think. Alright. Amazing. Yes. If you need extra time, just let me know and we can readjust from there. Thanks. You too. Okay. Those last ones that you about signing, is that what's that? Is that the one that you sent out this afternoon? Yeah. Yeah. I get it. Mhmm. Okay. That that's cool. Sorry. My brain is, yeah, waterlogged at the moment. Not at all. It's amazing. Thank you. You too. Thanks. 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Good. Yes. Yeah. That's fine.\n\nNo. No. No. I'm sick, but yeah. No.\n\nThat's alright. Oh, that's alright. Yeah. Right. Both of my bosses brought it in brought it in to work mothers.\n\nNo. No. No. No. That's alright.\n\nNot much going on at work at the moment, so just tagging along. No. No. That's alright. Yeah.\n\nYeah. I could do that. Alright. Did you say you have sent them? Or oh, okay.\n\nMhmm. Yeah. That's fine. Steven Charles Brown, 17 Byron Drive, Jimboom, Queensland 4280, 05/02/1986. Mhmm.\n\nYeah. I can 12345. I've got 8. Yep. I couldn't even tell you what they were before.\n\nThat's good. Mhmm. Yeah. Mhmm. Mhmm.\n\nMhmm. Yeah. That sounds good. Just in regards to if if we do decide to sell down and then along, is that will will will there be a negative impact? Or, like, I don't know how that side works.\n\nSo, obviously, if it if it's down, it's gonna be capturing a loss. So how like, how how does all that work? Yep. Mhmm. Yeah.\n\nYeah. No. That makes sense. I'm I'm happy to do that. That's fine because, I mean, nobody likes losing money.\n\nBut but with it being realized and and, yeah, captured as a loss, like, obviously, it's a loss. Does that affect anything else, like tax returns or or anything like that? Mhmm. Okay. Okay.\n\nMhmm. Yep. Yeah. Yeah. No.\n\nThat sounds good. Yep. Can I just say full? That's gone straight over my head. Can I well, I like both options?\n\nCan can I be the pain and and yeah. Can you can you give me a comparison between some some of them in in this year's review for me to look at? Yeah. That sounds alright. That sounds like yeah.\n\nYeah. That sounds like it covers best of both worlds. So yeah. No. That sounds good.\n\nYeah. I'll I'll let I'll let you have a look at all of the different options. But, yeah, I I do like, yeah, I like the sounds of the best of both worlds, but you'll be advising you understand these things. I don't. Clearly, I have no idea really.\n\nMhmm. Temperature. Yep. No. No.\n\nI have a slab, and I have a frame sitting on the ground waiting to be erected. You and me both, but, no, we didn't start until April. March, April, May. I think it was May. I don't know.\n\nSomewhere around it. But, yeah, we've we've had the flood and then we've had rain and then that got delayed and then yeah. So now we're just waiting on a a carpenter to turn up to erect a frame for us, which should be awesome. Original fighting was we should be in for Christmas. So as long as everything runs smoothly, that would be good.\n\nNo. That's alright. I would love to say yes, but no. And then the current house that we're in, the owners decide that he wants to sell that one, and it's now hit us up and see if we're in a position to buy. I'm like, we you know, I think that's, like, four months ago.\n\nSo yeah. Yeah. Oh, it's been great. I'll tell you. Now I've got bloody open homes every week.\n\nI never wanna do that again ever. Yeah. Yeah. Well, that was that was my original plan. So, yeah, at least it's covered, and it's it's not a burden to to him afterwards.\n\nYeah. It does. Just sorry. Just one question on that t well, on the TPI and the and the life. Well, the life, it doesn't really apply, but the TPD size.\n\nIs that any occupation, or is that my current occupation? Okay. Yep. Mhmm. Yes.\n\nIt would be. Mhmm. Yeah. I might actually look into that because, yeah, as you said, it would be easier, and I do know of somebody who has been caught out by that. Sorry to keep adding all the leaks to things.\n\nYeah. Yeah. Just to make it hot. Yep. Mhmm.\n\nYeah. We might look at increasing that as well. From memory, I get about 2,300 a fortnight. So whatever that works out to. And that well, that's that's big.\n\nNo. No. Mhmm. Mhmm. Mhmm.\n\nPerfect. Yeah. There it is. Mhmm. Yeah.\n\nI'll have to have a look. As I said, I know it's about 2,300 or fortnight that I get banked. But, yeah, I couldn't actually tell you. That's pretty sad. Yep.\n\nAlright. Yep. Okay. I'll continue. I'll no.\n\nNo. That's alright. I'll I'll look in my account while we continue this conversation because I got three different ones just fine in and out of. So yeah. It's yeah.\n\nIt's stupid. For your security, please place your browser. I would like to guess it. Yes. I don't actually know the answer to that question.\n\nYeah. That that would be good. We sort of can get a sort of an idea of what's there and what's available. Mhmm. Yeah.\n\nOkay. No. I don't think so at this stage. Mhmm. Yes, please.\n\nYeah. No. That's fine. Yep. What is going on here?\n\nNo. Not at this stage. Everything's going along nicely. Look. I'm still on the medication.\n\nThat's most likely gonna be a a lifetime thing. But all the other medication for what sort of thing gout and and that sort of stuff is taking me off that, so no longer taking that. It's just the anti inflammatories is required and the humira injections. He's got me on Mobic. Per fortnight.\n\nOkay. I'm not having any luck with myGov, so it just keeps telling me to close my for your security, please close your browser. I'm like, I'm not even logged in. Like, just let me log in. Oh, it's bloody ridiculous.\n\nI tell you. I would love to reply earlier. But yeah. Unfortunately. I'll have to win the gold medal in order to do that, I tell you.\n\nYeah. You you you and me both. Yep. Awesome. Yeah.\n\nGod knows in today's current market with everything that's going on. I would I would I would like to pay probably $1.02, $1.03. No. That'll be fine. Yep.\n\nNo. She died. Yeah. Yeah. She died.\n\nVery short and quick painful death. I replaced it with a 2025 RAV four. No. It is a it is a very nice car to drive. It definitely is not a high luxe.\n\nIt's much better suited for our requirements now. So oh, freaking nose. Jeez, you like asking hard questions, don't you? Oh, probably 60. Alright.\n\nIt's about 9,000. Nice. Mhmm. Mhmm. Email email is fine.\n\nYeah. Okay. That last one sounds good. We'll do it once once only, hopefully. Okay.\n\nI finally got into myGov. So the 2526 was 77 basically, 77,000. Like, five well, it's about $80 shy of that. So Oh, that's alright. It's not yours, though.\n\nIt's just bloody I I hate my compassion. I really do. Oh, it's an absolute nightmare, especially when it doesn't wanna sign in. And then you get a passcode, and then it saves the passcode as, like, letter and number combination. I'm like, yeah.\n\nBecause that really helps me when you manage three, like, up accounts. How do I know which one is what one? So then you play the the the Russian roulette game of which one is it until you finally pick the right one. And half the time you pick the other ones more than once, it's like, oh my god. So we got there in the end.\n\nI have to agree with you because they certainly do. Yeah. Yeah. We normally get about 800 for the side extra at the moment. Fortnight.\n\nSame employment, no promotions, no increase. I know. It's pretty yeah. I know. Right?\n\nYes. It's no. No. 0439636 482. Nope.\n\nPay off the mortgage. Oh, that'd be lovely. But, no, unfortunately, I don't see that happening. I just keep hearing up, up, up. Yeah.\n\nYeah. Unfortunately, yeah, it would be nice, but, yeah, our government keeps keeping money against the wall. Nothing's gonna change. Yeah. I'm glad that's you and not me.\n\nThat's all I can say on that. Yeah. Unfortunately, they make a lot of decisions that aren't good. About a 100 and 30 $2,000,000 waste on Oz Alert. Like, hello?\n\nYeah. No. We're we're just gonna scrap that idea and and blow over a $132,000,000 in the process. Like, do we not have anything better to spend a $132,000,000 on? Like, maybe increasing housing, for instance.\n\nNo. Yeah. Like I said, pissing money up a wall, but with everyone else's tax money. But anyway, what do we do? Can't do anything.\n\nUnfortunately, we all need a a massive eject button and boot the whole lot of them here. Yep. That's exactly right. They're they're always bad at each other. Mhmm.\n\nReady? If it were to downturn like that, I think I would be I would prefer to be putting more into it to, yeah, reap the benefit of when it comes back. As long as I've got time up my sleeve anyway. I probably would with the right advice. No.\n\nYep. Yeah. Yeah. Yeah. That's fine.\n\nYeah. Either a Monday or a Thursday is probably the better sorry. Monday or Wednesday is probably the better oh, actually, no. Let's go Monday or Thursday is probably the better day. Yeah.\n\nYeah. Probably five would be better. Okay. And just prior to that call, I will receive that information for me to review prior to or or the time off? Okay.\n\nYep. Yeah. That might yeah. That that might be good. Yep.\n\nSounds good. No. I think we're pretty well covered, I think. Alright. Amazing.\n\nYes. If you need extra time, just let me know and we can readjust from there. Thanks. You too. Okay.\n\nThose last ones that you about signing, is that what's that? Is that the one that you sent out this afternoon? Yeah. Yeah. I get it.\n\nMhmm. Okay. That that's cool. Sorry. My brain is, yeah, waterlogged at the moment.\n\nNot at all. It's amazing. Thank you. You too. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.03563253954052925},{"text":"Good.","start":8.8,"end":9.12,"sentiment":"positive","sentiment_score":0.4948945641517639},{"text":"Yes.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.36629191040992737},{"text":"Yeah.","start":15.805,"end":16.125,"sentiment":"neutral","sentiment_score":0.093820720911026},{"text":"That's 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alright.","start":25.165,"end":25.825,"sentiment":"neutral","sentiment_score":-0.0948014035820961},{"text":"Oh, that's alright.","start":28.939999,"end":29.759998,"sentiment":"neutral","sentiment_score":-0.057932485515872635},{"text":"Yeah.","start":31.179998,"end":31.579998,"sentiment":"neutral","sentiment_score":0.005921598523855209},{"text":"Right.","start":31.579998,"end":32.079998,"sentiment":"neutral","sentiment_score":0.004385936073958874},{"text":"Both of my bosses brought it in brought it in to work 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say you have sent them?","start":86.049995,"end":87.49,"sentiment":"neutral","sentiment_score":0.052489042814288824},{"text":"Or oh, okay.","start":87.49,"end":91.189995,"sentiment":"neutral","sentiment_score":0.08085207144419353}],"sentiment":"neutral","sentiment_score":0.09745459514670074,"num_words":16,"start":82.049995,"end":91.189995},{"sentences":[{"text":"Mhmm.","start":106.44,"end":106.94,"sentiment":"neutral","sentiment_score":0.08549434691667557},{"text":"Yeah.","start":117.240005,"end":117.48,"sentiment":"neutral","sentiment_score":0.028907250612974167},{"text":"That's fine.","start":117.48,"end":118.3,"sentiment":"positive","sentiment_score":0.4508890360593796},{"text":"Steven Charles Brown, 17 Byron Drive, Jimboom, Queensland 4280, 05/02/1986.","start":126.295,"end":132.475,"sentiment":"neutral","sentiment_score":0.028803063556551933},{"text":"Mhmm.","start":205.015,"end":205.515,"sentiment":"neutral","sentiment_score":0.04997360706329346}],"sentiment":"neutral","sentiment_score":0.09027892748514811,"num_words":15,"start":106.44,"end":205.515},{"sentences":[{"text":"Yeah.","start":222.70999,"end":223.11,"sentiment":"neutral","sentiment_score":0.022222202271223068},{"text":"I can 12345.","start":223.11,"end":226.155,"sentiment":"neutral","sentiment_score":0.015188773473103842},{"text":"I've got 8.","start":226.795,"end":227.535,"sentiment":"neutral","sentiment_score":0.021948502709468205},{"text":"Yep.","start":236.795,"end":237.295,"sentiment":"neutral","sentiment_score":0.08298583328723907},{"text":"I couldn't even tell you what they were 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good.","start":273.14,"end":273.88,"sentiment":"positive","sentiment_score":0.565082311630249},{"text":"Mhmm.","start":301.24002,"end":301.74002,"sentiment":"neutral","sentiment_score":0.03308543562889099},{"text":"Yeah.","start":313.655,"end":314.155,"sentiment":"neutral","sentiment_score":-0.09687618911266328},{"text":"Mhmm.","start":318.39,"end":318.89,"sentiment":"neutral","sentiment_score":-0.01530991680920124},{"text":"Mhmm.","start":324.4125,"end":324.9125,"sentiment":"neutral","sentiment_score":0.012085367925465109}],"sentiment":"neutral","sentiment_score":0.17719155348216495,"num_words":6,"start":273.14,"end":324.9125},{"sentences":[{"text":"Mhmm.","start":415.65,"end":416.15,"sentiment":"neutral","sentiment_score":0.14819808304309845},{"text":"Yeah.","start":424.935,"end":425.435,"sentiment":"neutral","sentiment_score":0.18299353122711184},{"text":"That sounds good.","start":425.575,"end":426.635,"sentiment":"positive","sentiment_score":0.37315170963605243},{"text":"Just in regards to if if we do decide to sell down and then along, is that will will will there be a negative impact?","start":427.73502,"end":441.09,"sentiment":"neutral","sentiment_score":-0.1749681717157364},{"text":"Or, like, I don't know how that side works.","start":441.71,"end":446.21,"sentiment":"neutral","sentiment_score":-0.22052693863709769}],"sentiment":"neutral","sentiment_score":-0.1258538460884339,"num_words":39,"start":415.65,"end":446.21},{"sentences":[{"text":"So, obviously, if it if it's down, it's gonna be capturing a loss.","start":447.635,"end":451.715,"sentiment":"neutral","sentiment_score":-0.06679017712863591},{"text":"So how like, how how does all that work?","start":451.715,"end":454.295,"sentiment":"neutral","sentiment_score":0.022431655683451228},{"text":"Yep.","start":499.27002,"end":499.77002,"sentiment":"neutral","sentiment_score":-0.0988062471151352},{"text":"Mhmm.","start":511.715,"end":512.03503,"sentiment":"neutral","sentiment_score":0.018267061561346058},{"text":"Yeah.","start":512.03503,"end":512.275,"sentiment":"neutral","sentiment_score":0.08336515724658966}],"sentiment":"neutral","sentiment_score":-0.026542457193136214,"num_words":25,"start":447.635,"end":512.275},{"sentences":[{"text":"Yeah.","start":512.275,"end":512.435,"sentiment":"neutral","sentiment_score":0.07746168971061707},{"text":"No.","start":512.435,"end":512.675,"sentiment":"neutral","sentiment_score":-0.0014949813485145569},{"text":"That makes sense.","start":512.675,"end":513.315,"sentiment":"neutral","sentiment_score":0.13835732142130533},{"text":"I'm I'm happy to do that.","start":513.315,"end":514.77,"sentiment":"positive","sentiment_score":0.46557677288850147},{"text":"That's fine because, I mean, nobody likes losing money.","start":515.25,"end":518.63,"sentiment":"neutral","sentiment_score":0.10078688669535849}],"sentiment":"neutral","sentiment_score":0.2095790645107627,"num_words":20,"start":512.275,"end":518.63},{"sentences":[{"text":"But but with it being realized and and, yeah, captured as a loss, like, obviously, it's a loss.","start":521.41003,"end":531.725,"sentiment":"neutral","sentiment_score":-0.1542406947248512},{"text":"Does that affect anything else, like tax returns or or anything like that?","start":532.02496,"end":537.165,"sentiment":"neutral","sentiment_score":-0.156705386363543},{"text":"Mhmm.","start":550.1,"end":550.6,"sentiment":"neutral","sentiment_score":0.025647979229688644},{"text":"Okay.","start":558.66,"end":559.16,"sentiment":"neutral","sentiment_score":0.05330909788608551},{"text":"Okay.","start":581.02,"end":581.52,"sentiment":"neutral","sentiment_score":0.1963665187358856}],"sentiment":"neutral","sentiment_score":-0.13347585093887412,"num_words":34,"start":521.41003,"end":581.52},{"sentences":[{"text":"Mhmm.","start":590.235,"end":590.735,"sentiment":"neutral","sentiment_score":0.03267799690365791},{"text":"Yep.","start":596.27246,"end":596.77246,"sentiment":"neutral","sentiment_score":0.057133372873067856},{"text":"Yeah.","start":619.60504,"end":619.925,"sentiment":"neutral","sentiment_score":0.06406240165233612},{"text":"Yeah.","start":619.925,"end":620.16504,"sentiment":"neutral","sentiment_score":0.0795663595199585},{"text":"No.","start":620.16504,"end":620.325,"sentiment":"neutral","sentiment_score":0.1490669548511505}],"sentiment":"neutral","sentiment_score":0.07650141716003418,"num_words":5,"start":590.235,"end":620.325},{"sentences":[{"text":"That sounds good.","start":620.325,"end":621.305,"sentiment":"positive","sentiment_score":0.4579890767733256},{"text":"Yep.","start":631.94,"end":632.44,"sentiment":"neutral","sentiment_score":0.06341676414012909},{"text":"Can I just say full?","start":667.67,"end":669.02997,"sentiment":"neutral","sentiment_score":0.004524118080735206},{"text":"That's gone straight over my head.","start":669.02997,"end":675.025,"sentiment":"neutral","sentiment_score":0.02404239535583959},{"text":"Can I well, I like both options?","start":693.79,"end":695.89,"sentiment":"neutral","sentiment_score":0.09344484231301717}],"sentiment":"neutral","sentiment_score":0.10265331150863362,"num_words":22,"start":620.325,"end":695.89},{"sentences":[{"text":"Can can I be the pain and and yeah.","start":697.655,"end":700.055,"sentiment":"neutral","sentiment_score":-0.034519053581688136},{"text":"Can you can you give me a comparison between some some of them in in this year's review for me to look at?","start":700.055,"end":706.875,"sentiment":"neutral","sentiment_score":0.06634390435141066},{"text":"Yeah.","start":727.76495,"end":728.08496,"sentiment":"neutral","sentiment_score":0.12662412226200104},{"text":"That sounds alright.","start":728.08496,"end":729.065,"sentiment":"neutral","sentiment_score":0.1515453259150187},{"text":"That sounds like yeah.","start":730.725,"end":731.52496,"sentiment":"neutral","sentiment_score":0.1666643377393484}],"sentiment":"neutral","sentiment_score":0.06157889422029257,"num_words":40,"start":697.655,"end":731.52496},{"sentences":[{"text":"Yeah.","start":731.52496,"end":731.76495,"sentiment":"neutral","sentiment_score":0.2980785071849823},{"text":"That sounds like it covers best of both worlds.","start":731.76495,"end":733.445,"sentiment":"positive","sentiment_score":0.43319149480925667},{"text":"So yeah.","start":733.445,"end":733.76495,"sentiment":"neutral","sentiment_score":0.24349510669708252},{"text":"No.","start":733.76495,"end":733.845,"sentiment":"neutral","sentiment_score":0.266401469707489},{"text":"That sounds good.","start":733.845,"end":734.825,"sentiment":"positive","sentiment_score":0.5352543890476227}],"sentiment":"positive","sentiment_score":0.4097473006695509,"num_words":16,"start":731.52496,"end":734.825},{"sentences":[{"text":"Yeah.","start":747.64,"end":748.12,"sentiment":"neutral","sentiment_score":0.250413715839386},{"text":"I'll I'll let I'll let you have a look at all of the different options.","start":748.12,"end":751.16003,"sentiment":"neutral","sentiment_score":0.1655760258436203},{"text":"But, yeah, I I do like, yeah, I like the sounds of the best of both worlds, but you'll be advising you understand these things.","start":751.16003,"end":760.015,"sentiment":"neutral","sentiment_score":0.17580324489623309},{"text":"I don't.","start":760.015,"end":760.335,"sentiment":"neutral","sentiment_score":-0.17914240807294846},{"text":"Clearly, I have no idea 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erected.","start":809.945,"end":814.36505,"sentiment":"neutral","sentiment_score":-0.04345526513369644},{"text":"You and me both, but, no, we didn't start until April.","start":822.47003,"end":831.13,"sentiment":"neutral","sentiment_score":-0.0697129609232599},{"text":"March, April, May.","start":832.79004,"end":834.33,"sentiment":"neutral","sentiment_score":-0.016159575432538986},{"text":"I think it was May.","start":835.35004,"end":836.49,"sentiment":"neutral","sentiment_score":-0.03827967643737793},{"text":"I don't know.","start":838.935,"end":839.415,"sentiment":"neutral","sentiment_score":-0.06979290023446083}],"sentiment":"neutral","sentiment_score":-0.0501240483747843,"num_words":39,"start":809.945,"end":839.415},{"sentences":[{"text":"Somewhere around it.","start":839.415,"end":840.475,"sentiment":"neutral","sentiment_score":-0.058424209554990135},{"text":"But, yeah, we've we've had the flood and then we've had rain and then that got delayed and then 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yes, but no.","start":878.235,"end":880.15497,"sentiment":"neutral","sentiment_score":-0.057752516120672226},{"text":"And then the current house that we're in, the owners decide that he wants to sell that one, and it's now hit us up and see if we're in a position to buy.","start":880.15497,"end":886.05005,"sentiment":"neutral","sentiment_score":-0.06489441069689664},{"text":"I'm like, we you know, I think that's, like, four months ago.","start":886.05005,"end":888.95,"sentiment":"neutral","sentiment_score":-0.029490922344848514}],"sentiment":"neutral","sentiment_score":-0.0558675804973713,"num_words":56,"start":872.795,"end":888.95},{"sentences":[{"text":"So yeah.","start":892.69,"end":894.45,"sentiment":"neutral","sentiment_score":0.17405381798744202},{"text":"Yeah.","start":894.45,"end":894.69,"sentiment":"neutral","sentiment_score":0.26232361793518066},{"text":"Oh, it's been great.","start":894.69,"end":895.49005,"sentiment":"positive","sentiment_score":0.6533248573541641},{"text":"I'll tell you.","start":895.49005,"end":896.31,"sentiment":"positive","sentiment_score":0.49667994181315106},{"text":"Now I've got bloody open homes every week.","start":900.855,"end":903.355,"sentiment":"neutral","sentiment_score":-0.05800574133172631}],"sentiment":"neutral","sentiment_score":0.23609580989513132,"num_words":18,"start":892.69,"end":903.355},{"sentences":[{"text":"I never wanna do that again ever.","start":905.65497,"end":907.675,"sentiment":"negative","sentiment_score":-0.3831211030483246},{"text":"Yeah.","start":916.11,"end":916.61,"sentiment":"neutral","sentiment_score":0.14285078644752502},{"text":"Yeah.","start":940.575,"end":940.815,"sentiment":"neutral","sentiment_score":0.1339520514011383},{"text":"Well, that was that was my original plan.","start":940.815,"end":942.975,"sentiment":"neutral","sentiment_score":0.21556765399873257},{"text":"So, yeah, at least it's covered, and it's it's not a burden to to him afterwards.","start":942.975,"end":949.41,"sentiment":"neutral","sentiment_score":0.27342255413532257}],"sentiment":"neutral","sentiment_score":0.11194718832319434,"num_words":33,"start":905.65497,"end":949.41},{"sentences":[{"text":"Yeah.","start":972.92,"end":973.24,"sentiment":"neutral","sentiment_score":0.07781951129436493},{"text":"It does.","start":973.24,"end":973.98,"sentiment":"neutral","sentiment_score":0.13807453960180283},{"text":"Just sorry.","start":977.32,"end":977.88,"sentiment":"neutral","sentiment_score":0.022035755217075348},{"text":"Just one question on that t well, on the TPI and the and the life.","start":977.88,"end":983.085,"sentiment":"neutral","sentiment_score":0.013698457305630048},{"text":"Well, the life, it doesn't really apply, but the TPD 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be.","start":1101.25,"end":1102.155,"sentiment":"neutral","sentiment_score":0.1731094866991043},{"text":"Mhmm.","start":1116.875,"end":1117.375,"sentiment":"neutral","sentiment_score":0.01883525773882866},{"text":"Yeah.","start":1118.52,"end":1118.76,"sentiment":"neutral","sentiment_score":0.04887406527996063},{"text":"I might actually look into that because, yeah, as you said, it would be easier, and I do know of somebody who has been caught out by that.","start":1118.76,"end":1126.06,"sentiment":"neutral","sentiment_score":0.053257155631269724},{"text":"Sorry to keep adding all the leaks to 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that's big.","start":1278.98,"end":1280.52,"sentiment":"neutral","sentiment_score":0.16408609598875046}],"sentiment":"neutral","sentiment_score":0.1638770342387002,"num_words":29,"start":1265.9249,"end":1280.52},{"sentences":[{"text":"No.","start":1288.215,"end":1288.715,"sentiment":"neutral","sentiment_score":-0.16293752193450928},{"text":"No.","start":1289.015,"end":1289.515,"sentiment":"neutral","sentiment_score":-0.1759617030620575},{"text":"Mhmm.","start":1325.9249,"end":1326.4249,"sentiment":"neutral","sentiment_score":-0.034401677548885345},{"text":"Mhmm.","start":1326.645,"end":1327.145,"sentiment":"neutral","sentiment_score":-0.11142602562904358},{"text":"Mhmm.","start":1351.8551,"end":1351.935,"sentiment":"neutral","sentiment_score":0.11208201944828032}],"sentiment":"neutral","sentiment_score":-0.07452898174524307,"num_words":5,"start":1288.215,"end":1351.935},{"sentences":[{"text":"Perfect.","start":1351.935,"end":1352.435,"sentiment":"positive","sentiment_score":0.42125245928764343},{"text":"Yeah.","start":1368.09,"end":1368.49,"sentiment":"neutral","sentiment_score":-0.04526445269584656},{"text":"There 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sad.","start":1447.13,"end":1448.11,"sentiment":"negative","sentiment_score":-0.5859015186627706},{"text":"Yep.","start":1462.915,"end":1463.415,"sentiment":"neutral","sentiment_score":0.04364240914583206}],"sentiment":"neutral","sentiment_score":-0.12283502412995609,"num_words":31,"start":1432.875,"end":1463.415},{"sentences":[{"text":"Alright.","start":1475.47,"end":1475.97,"sentiment":"neutral","sentiment_score":0.07276145368814468},{"text":"Yep.","start":1477.95,"end":1478.35,"sentiment":"neutral","sentiment_score":0.06592962145805359},{"text":"Okay.","start":1478.35,"end":1478.75,"sentiment":"neutral","sentiment_score":0.08264407515525818},{"text":"I'll continue.","start":1478.75,"end":1479.49,"sentiment":"neutral","sentiment_score":0.07477113232016563},{"text":"I'll 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yeah.","start":1493.405,"end":1495.345,"sentiment":"negative","sentiment_score":-0.6564856171607971}],"sentiment":"neutral","sentiment_score":0.007185578780869643,"num_words":30,"start":1481.565,"end":1495.345},{"sentences":[{"text":"It's stupid.","start":1495.725,"end":1497.11,"sentiment":"negative","sentiment_score":-0.6818961203098297},{"text":"For your security, please place your browser.","start":1500.61,"end":1503.03,"sentiment":"neutral","sentiment_score":-0.03992429694959095},{"text":"I would like to guess it.","start":1535.76,"end":1537.3601,"sentiment":"neutral","sentiment_score":-0.04545743173609177},{"text":"Yes.","start":1537.3601,"end":1537.695,"sentiment":"neutral","sentiment_score":0.07338571548461914},{"text":"I don't actually know the answer to that 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available.","start":1589.67,"end":1595.765,"sentiment":"neutral","sentiment_score":0.056230116402730346},{"text":"Mhmm.","start":1625.0449,"end":1625.5449,"sentiment":"neutral","sentiment_score":-0.010830255225300787},{"text":"Yeah.","start":1646.09,"end":1646.41,"sentiment":"neutral","sentiment_score":0.03503020107746124}],"sentiment":"neutral","sentiment_score":0.07389459487361212,"num_words":24,"start":1587.99,"end":1646.41},{"sentences":[{"text":"Okay.","start":1646.41,"end":1646.865,"sentiment":"neutral","sentiment_score":0.06987850368022919},{"text":"No.","start":1656.545,"end":1656.785,"sentiment":"neutral","sentiment_score":-0.1372404396533966},{"text":"I don't think so at this stage.","start":1656.785,"end":1658.645,"sentiment":"neutral","sentiment_score":-0.22060848133904593},{"text":"Mhmm.","start":1671.685,"end":1672.185,"sentiment":"neutral","sentiment_score":-0.00483397813513875},{"text":"Yes, please.","start":1682.885,"end":1683.865,"sentiment":"neutral","sentiment_score":0.012042994145303965}],"sentiment":"neutral","sentiment_score":-0.13269744126591831,"num_words":12,"start":1646.41,"end":1683.865},{"sentences":[{"text":"Yeah.","start":1695.25,"end":1695.49,"sentiment":"neutral","sentiment_score":0.01234111376106739},{"text":"No.","start":1695.49,"end":1695.65,"sentiment":"neutral","sentiment_score":-0.00753369927406311},{"text":"That's fine.","start":1695.65,"end":1696.39,"sentiment":"neutral","sentiment_score":0.04630556330084801},{"text":"Yep.","start":1698.2101,"end":1698.7101,"sentiment":"neutral","sentiment_score":0.21304011344909668},{"text":"What is going on here?","start":1702.005,"end":1703.545,"sentiment":"neutral","sentiment_score":0.012052693963050842}],"sentiment":"neutral","sentiment_score":0.03707221243530512,"num_words":10,"start":1695.25,"end":1703.545},{"sentences":[{"text":"No.","start":1712.805,"end":1713.045,"sentiment":"neutral","sentiment_score":-0.1105540543794632},{"text":"Not at this stage.","start":1713.045,"end":1714.02,"sentiment":"neutral","sentiment_score":-0.11628894880414009},{"text":"Everything's going along nicely.","start":1714.5801,"end":1717.48,"sentiment":"neutral","sentiment_score":0.22382127004675567},{"text":"Look.","start":1728.515,"end":1728.755,"sentiment":"neutral","sentiment_score":-0.11474309861660004},{"text":"I'm still on the medication.","start":1728.755,"end":1729.8949,"sentiment":"neutral","sentiment_score":-0.16121353209018707}],"sentiment":"neutral","sentiment_score":-0.040082368565102416,"num_words":15,"start":1712.805,"end":1729.8949},{"sentences":[{"text":"That's most likely gonna be a a lifetime thing.","start":1730.515,"end":1733.495,"sentiment":"neutral","sentiment_score":-0.1709088550673591},{"text":"But all the other medication for what sort of thing gout and and that sort of stuff is taking me off that, so no longer taking that.","start":1734.995,"end":1749.9401,"sentiment":"neutral","sentiment_score":-0.08233738580235729},{"text":"It's just the anti inflammatories is required and the humira injections.","start":1749.9401,"end":1755.64,"sentiment":"neutral","sentiment_score":-0.041387547654184426},{"text":"He's got me on Mobic.","start":1764.9551,"end":1767.375,"sentiment":"neutral","sentiment_score":-0.009028707351535558},{"text":"Per 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ridiculous.","start":1811.495,"end":1813.035,"sentiment":"neutral","sentiment_score":-0.2828405164182186}],"sentiment":"neutral","sentiment_score":-0.1866133040407809,"num_words":41,"start":1793.3451,"end":1813.035},{"sentences":[{"text":"I tell you.","start":1813.095,"end":1813.915,"sentiment":"neutral","sentiment_score":-0.08798680951197942},{"text":"I would love to reply earlier.","start":1841.005,"end":1842.705,"sentiment":"neutral","sentiment_score":0.023588126214842003},{"text":"But yeah.","start":1844.125,"end":1845.505,"sentiment":"neutral","sentiment_score":-0.006500007584691048},{"text":"Unfortunately.","start":1848.205,"end":1848.705,"sentiment":"neutral","sentiment_score":-0.0967043563723564},{"text":"I'll have to win the gold medal in order to do that, I tell 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60.","start":2027.4901,"end":2028.79,"sentiment":"neutral","sentiment_score":0.1516942779223124},{"text":"Alright.","start":2037.3049,"end":2037.8049,"sentiment":"neutral","sentiment_score":0.13448581099510193}],"sentiment":"neutral","sentiment_score":-0.07935640588402748,"num_words":24,"start":2005.1849,"end":2037.8049},{"sentences":[{"text":"It's about 9,000.","start":2047.28,"end":2048.6602,"sentiment":"neutral","sentiment_score":0.07598256071408589},{"text":"Nice.","start":2064.415,"end":2064.915,"sentiment":"neutral","sentiment_score":0.3039306700229645},{"text":"Mhmm.","start":2074.0,"end":2074.5,"sentiment":"neutral","sentiment_score":0.010945518501102924},{"text":"Mhmm.","start":2097.215,"end":2097.48,"sentiment":"neutral","sentiment_score":-0.04738809913396835},{"text":"Email email is fine.","start":2131.53,"end":2133.15,"sentiment":"neutral","sentiment_score":0.04038154426962137}],"sentiment":"neutral","sentiment_score":0.06569619486108422,"num_words":10,"start":2047.28,"end":2133.15},{"sentences":[{"text":"Yeah.","start":2160.3699,"end":2160.8699,"sentiment":"neutral","sentiment_score":0.06692904978990555},{"text":"Okay.","start":2164.8499,"end":2165.3499,"sentiment":"neutral","sentiment_score":0.05264274403452873},{"text":"That last one sounds good.","start":2214.32,"end":2215.84,"sentiment":"neutral","sentiment_score":0.31914509236812594},{"text":"We'll do it once once only, hopefully.","start":2215.84,"end":2217.62,"sentiment":"neutral","sentiment_score":0.185703521328313},{"text":"Okay.","start":2234.6099,"end":2235.01,"sentiment":"neutral","sentiment_score":0.06650499999523163}],"sentiment":"neutral","sentiment_score":0.20544846033056577,"num_words":15,"start":2160.3699,"end":2235.01},{"sentences":[{"text":"I finally got into myGov.","start":2235.01,"end":2236.47,"sentiment":"neutral","sentiment_score":0.09210322797298431},{"text":"So the 2526 was 77 basically, 77,000.","start":2239.89,"end":2245.1099,"sentiment":"neutral","sentiment_score":0.15347767834152495},{"text":"Like, five well, it's about $80 shy of that.","start":2245.955,"end":2249.875,"sentiment":"neutral","sentiment_score":0.07749024116330677},{"text":"So Oh, that's alright.","start":2249.875,"end":2265.11,"sentiment":"neutral","sentiment_score":-0.15308331698179245},{"text":"It's not yours, though.","start":2265.11,"end":2265.91,"sentiment":"negative","sentiment_score":-0.38083286583423615}],"sentiment":"neutral","sentiment_score":0.0033312871538359544,"num_words":29,"start":2235.01,"end":2265.91},{"sentences":[{"text":"It's just bloody I I hate my compassion.","start":2265.91,"end":2269.53,"sentiment":"negative","sentiment_score":-0.7125239968299866},{"text":"I really do.","start":2269.59,"end":2270.49,"sentiment":"negative","sentiment_score":-0.4162296454111735},{"text":"Oh, it's an absolute nightmare, especially when it doesn't wanna sign in.","start":2274.87,"end":2280.055,"sentiment":"negative","sentiment_score":-0.6752360512812933},{"text":"And then you get a passcode, and then it saves the passcode as, like, letter and number combination.","start":2280.055,"end":2287.595,"sentiment":"neutral","sentiment_score":-0.1391866397526529},{"text":"I'm like, yeah.","start":2287.815,"end":2288.855,"sentiment":"neutral","sentiment_score":-0.07061179727315903}],"sentiment":"negative","sentiment_score":-0.40383882803673093,"num_words":44,"start":2265.91,"end":2288.855},{"sentences":[{"text":"Because that really helps me when you manage three, like, up accounts.","start":2288.855,"end":2293.57,"sentiment":"neutral","sentiment_score":-0.054971491607526936},{"text":"How do I know which one is what one?","start":2294.11,"end":2296.35,"sentiment":"neutral","sentiment_score":-0.01786058106356197},{"text":"So then you play the the the Russian roulette game of which one is it until you finally pick the right one.","start":2296.35,"end":2304.59,"sentiment":"neutral","sentiment_score":0.007575421340086244},{"text":"And half the time you pick the other ones more than once, it's like, oh my god.","start":2304.59,"end":2309.9949,"sentiment":"neutral","sentiment_score":-0.08401855322368004},{"text":"So we got there in the end.","start":2311.9749,"end":2314.155,"sentiment":"negative","sentiment_score":-0.34878838062286377}],"sentiment":"neutral","sentiment_score":-0.06751608848571777,"num_words":67,"start":2288.855,"end":2314.155},{"sentences":[{"text":"I have to agree with you because they certainly do.","start":2326.3599,"end":2329.18,"sentiment":"neutral","sentiment_score":-0.030978405475616456},{"text":"Yeah.","start":2336.125,"end":2336.625,"sentiment":"neutral","sentiment_score":-0.06374114006757736},{"text":"Yeah.","start":2346.845,"end":2347.345,"sentiment":"neutral","sentiment_score":0.003347662277519703},{"text":"We normally get about 800 for the side extra at the moment.","start":2349.86,"end":2354.36,"sentiment":"neutral","sentiment_score":0.03151793917641044},{"text":"Fortnight.","start":2357.54,"end":2358.04,"sentiment":"neutral","sentiment_score":0.023398522287607193}],"sentiment":"neutral","sentiment_score":0.001257450394332409,"num_words":25,"start":2326.3599,"end":2358.04},{"sentences":[{"text":"Same employment, no promotions, no increase.","start":2372.2249,"end":2374.9648,"sentiment":"neutral","sentiment_score":-0.03857053133348624},{"text":"I know.","start":2377.07,"end":2377.31,"sentiment":"neutral","sentiment_score":-0.13718927651643753},{"text":"It's pretty yeah.","start":2377.31,"end":2378.59,"sentiment":"neutral","sentiment_score":-0.02416696399450302},{"text":"I know.","start":2378.59,"end":2378.9102,"sentiment":"neutral","sentiment_score":-0.012123853899538515},{"text":"Right?","start":2378.9102,"end":2379.4102,"sentiment":"neutral","sentiment_score":-0.0015819650143384931}],"sentiment":"neutral","sentiment_score":-0.04315230755933693,"num_words":14,"start":2372.2249,"end":2379.4102},{"sentences":[{"text":"Yes.","start":2391.215,"end":2391.715,"sentiment":"neutral","sentiment_score":0.013112475164234638},{"text":"It's no.","start":2392.095,"end":2394.175,"sentiment":"neutral","sentiment_score":-0.03135096176993102},{"text":"No.","start":2394.175,"end":2394.655,"sentiment":"neutral","sentiment_score":-0.02749970555305481},{"text":"0439636 482.","start":2394.655,"end":2401.395,"sentiment":"neutral","sentiment_score":-0.0037173917517066},{"text":"Nope.","start":2419.46,"end":2419.96,"sentiment":"neutral","sentiment_score":-0.07437136769294739}],"sentiment":"neutral","sentiment_score":-0.022699329303577542,"num_words":7,"start":2391.215,"end":2419.96},{"sentences":[{"text":"Pay off the mortgage.","start":2431.455,"end":2432.355,"sentiment":"neutral","sentiment_score":0.09532972238957882},{"text":"Oh, that'd be lovely.","start":2440.93,"end":2442.05,"sentiment":"neutral","sentiment_score":0.2472555935382843},{"text":"But, no, unfortunately, I don't see that happening.","start":2442.05,"end":2445.09,"sentiment":"neutral","sentiment_score":-0.3276325352489948},{"text":"I just keep hearing up, up, up.","start":2445.09,"end":2447.19,"sentiment":"negative","sentiment_score":-0.3548603483608791},{"text":"Yeah.","start":2461.6948,"end":2462.1948,"sentiment":"neutral","sentiment_score":-0.06593519449234009}],"sentiment":"neutral","sentiment_score":-0.15836152713745832,"num_words":24,"start":2431.455,"end":2462.1948},{"sentences":[{"text":"Yeah.","start":2462.335,"end":2462.835,"sentiment":"neutral","sentiment_score":-0.06831879913806915},{"text":"Unfortunately, yeah, it would be nice, but, yeah, our government keeps keeping money against the wall.","start":2464.02,"end":2473.78,"sentiment":"neutral","sentiment_score":-0.2750721387565136},{"text":"Nothing's gonna change.","start":2473.78,"end":2475.8,"sentiment":"negative","sentiment_score":-0.3478141725063324},{"text":"Yeah.","start":2500.85,"end":2501.1702,"sentiment":"neutral","sentiment_score":0.21043343842029572},{"text":"I'm glad that's you and not me.","start":2501.1702,"end":2503.03,"sentiment":"positive","sentiment_score":0.3997140995093754}],"sentiment":"neutral","sentiment_score":-0.08944583577769143,"num_words":28,"start":2462.335,"end":2503.03},{"sentences":[{"text":"That's all I can say on that.","start":2505.4102,"end":2507.03,"sentiment":"neutral","sentiment_score":0.17148533463478088},{"text":"Yeah.","start":2534.545,"end":2534.865,"sentiment":"neutral","sentiment_score":-0.24654585123062137},{"text":"Unfortunately, they make a lot of decisions that aren't good.","start":2534.865,"end":2538.885,"sentiment":"negative","sentiment_score":-0.6581584930419921},{"text":"About a 100 and 30 $2,000,000 waste on Oz Alert.","start":2542.785,"end":2546.085,"sentiment":"neutral","sentiment_score":-0.1715228918939829},{"text":"Like, hello?","start":2546.625,"end":2547.365,"sentiment":"neutral","sentiment_score":-0.11123979091644287}],"sentiment":"neutral","sentiment_score":-0.2521813979993264,"num_words":30,"start":2505.4102,"end":2547.365},{"sentences":[{"text":"Yeah.","start":2565.655,"end":2565.9749,"sentiment":"neutral","sentiment_score":-0.21778035163879397},{"text":"No.","start":2565.9749,"end":2566.215,"sentiment":"negative","sentiment_score":-0.5034165382385254},{"text":"We're we're just gonna scrap that idea and and blow over a $132,000,000 in the process.","start":2566.215,"end":2570.795,"sentiment":"negative","sentiment_score":-0.5521220266819},{"text":"Like, do we not have anything better to spend a $132,000,000 on?","start":2571.175,"end":2576.535,"sentiment":"neutral","sentiment_score":-0.27170491218566895},{"text":"Like, maybe increasing housing, for instance.","start":2576.535,"end":2579.21,"sentiment":"neutral","sentiment_score":-0.0670804288238287}],"sentiment":"negative","sentiment_score":-0.3671691898877422,"num_words":36,"start":2565.655,"end":2579.21},{"sentences":[{"text":"No.","start":2581.99,"end":2582.49,"sentiment":"neutral","sentiment_score":-0.2115485966205597},{"text":"Yeah.","start":2584.6301,"end":2584.79,"sentiment":"neutral","sentiment_score":-0.11629322916269302},{"text":"Like I said, pissing money up a wall, but with everyone else's tax money.","start":2584.79,"end":2589.77,"sentiment":"neutral","sentiment_score":-0.21263196106467927},{"text":"But anyway, what do we do?","start":2589.9102,"end":2592.405,"sentiment":"neutral","sentiment_score":-0.0564401720960935},{"text":"Can't do anything.","start":2592.405,"end":2593.3052,"sentiment":"neutral","sentiment_score":-0.21184369921684265}],"sentiment":"neutral","sentiment_score":-0.17115445643663407,"num_words":25,"start":2581.99,"end":2593.3052},{"sentences":[{"text":"Unfortunately, we all need a a massive eject button and boot the whole lot of them here.","start":2595.125,"end":2600.985,"sentiment":"negative","sentiment_score":-0.37465620566816893},{"text":"Yep.","start":2624.675,"end":2625.175,"sentiment":"neutral","sentiment_score":-0.26703080534935},{"text":"That's exactly right.","start":2625.715,"end":2626.935,"sentiment":"negative","sentiment_score":-0.48192981878916424},{"text":"They're they're always bad at each other.","start":2628.355,"end":2630.375,"sentiment":"negative","sentiment_score":-0.6189338224274772},{"text":"Mhmm.","start":2655.4448,"end":2655.9448,"sentiment":"neutral","sentiment_score":0.012787519954144956}],"sentiment":"negative","sentiment_score":-0.4276456894866865,"num_words":29,"start":2595.125,"end":2655.9448},{"sentences":[{"text":"Ready?","start":2687.4,"end":2687.9,"sentiment":"neutral","sentiment_score":0.06323331594467163},{"text":"If it were to downturn like that, I think I would be I would prefer to be putting more into it to, yeah, reap the benefit of when it comes back.","start":2726.28,"end":2736.885,"sentiment":"neutral","sentiment_score":-0.05680129977483903},{"text":"As long as I've got time up my sleeve anyway.","start":2738.305,"end":2740.405,"sentiment":"positive","sentiment_score":0.35086687803268435},{"text":"I probably would with the right advice.","start":2766.275,"end":2768.375,"sentiment":"neutral","sentiment_score":-0.06501946066107069},{"text":"No.","start":2778.29,"end":2778.79,"sentiment":"neutral","sentiment_score":-0.0611063651740551}],"sentiment":"neutral","sentiment_score":0.0258963842689991,"num_words":50,"start":2687.4,"end":2778.79},{"sentences":[{"text":"Yep.","start":2791.4448,"end":2791.9448,"sentiment":"neutral","sentiment_score":0.22416219115257263},{"text":"Yeah.","start":2824.095,"end":2824.595,"sentiment":"neutral","sentiment_score":0.0947306752204895},{"text":"Yeah.","start":2861.17,"end":2861.49,"sentiment":"neutral","sentiment_score":0.04726465791463852},{"text":"Yeah.","start":2861.49,"end":2861.65,"sentiment":"neutral","sentiment_score":0.05777433514595032},{"text":"That's fine.","start":2861.65,"end":2862.39,"sentiment":"neutral","sentiment_score":0.10932312533259392}],"sentiment":"neutral","sentiment_score":0.1070963516831398,"num_words":6,"start":2791.4448,"end":2862.39},{"sentences":[{"text":"Yeah.","start":2884.35,"end":2884.85,"sentiment":"neutral","sentiment_score":-0.0013753408566117289},{"text":"Either a Monday or a Thursday is probably the better sorry.","start":2888.83,"end":2891.87,"sentiment":"neutral","sentiment_score":-0.013839729638262228},{"text":"Monday or Wednesday is probably the better oh, actually, no.","start":2891.87,"end":2894.51,"sentiment":"neutral","sentiment_score":-0.07576699126511813},{"text":"Let's go Monday or Thursday is probably the better day.","start":2894.51,"end":2897.09,"sentiment":"neutral","sentiment_score":0.0018197573721408845},{"text":"Yeah.","start":2901.825,"end":2902.325,"sentiment":"neutral","sentiment_score":0.1086382418870926}],"sentiment":"neutral","sentiment_score":-0.02377110496727806,"num_words":33,"start":2884.35,"end":2902.325},{"sentences":[{"text":"Yeah.","start":2904.1448,"end":2904.6448,"sentiment":"neutral","sentiment_score":0.13406437635421753},{"text":"Probably five would be better.","start":2915.56,"end":2917.1,"sentiment":"neutral","sentiment_score":0.05573316812515259},{"text":"Okay.","start":2943.91,"end":2944.41,"sentiment":"neutral","sentiment_score":0.102225661277771},{"text":"And just prior to that call, I will receive that information for me to review prior to or or the time off?","start":2944.63,"end":2952.01,"sentiment":"neutral","sentiment_score":0.09750803475352851},{"text":"Okay.","start":2952.23,"end":2952.73,"sentiment":"neutral","sentiment_score":0.1195513680577278}],"sentiment":"neutral","sentiment_score":0.09265613369643688,"num_words":30,"start":2904.1448,"end":2952.73},{"sentences":[{"text":"Yep.","start":2966.4749,"end":2966.9749,"sentiment":"neutral","sentiment_score":0.1719803810119629},{"text":"Yeah.","start":2970.1548,"end":2970.4749,"sentiment":"neutral","sentiment_score":0.11937251687049866},{"text":"That might yeah.","start":2970.4749,"end":2971.4348,"sentiment":"neutral","sentiment_score":0.16256223122278848},{"text":"That that might be good.","start":2971.4348,"end":2972.815,"sentiment":"neutral","sentiment_score":0.3061803102493286},{"text":"Yep.","start":2981.6099,"end":2982.1099,"sentiment":"neutral","sentiment_score":0.17578279972076416}],"sentiment":"neutral","sentiment_score":0.22597490386529404,"num_words":11,"start":2966.4749,"end":2982.1099},{"sentences":[{"text":"Sounds good.","start":2989.855,"end":3002.115,"sentiment":"positive","sentiment_score":0.36599908769130707},{"text":"No.","start":3002.335,"end":3002.575,"sentiment":"neutral","sentiment_score":-0.057618655264377594},{"text":"I think we're pretty well covered, I think.","start":3002.575,"end":3005.13,"sentiment":"neutral","sentiment_score":0.10934192780405283},{"text":"Alright.","start":3023.435,"end":3023.935,"sentiment":"positive","sentiment_score":0.3366703391075134},{"text":"Amazing.","start":3023.9949,"end":3024.4949,"sentiment":"positive","sentiment_score":0.5777696967124939}],"sentiment":"neutral","sentiment_score":0.18950422910543588,"num_words":13,"start":2989.855,"end":3024.4949},{"sentences":[{"text":"Yes.","start":3025.035,"end":3025.435,"sentiment":"positive","sentiment_score":0.365782618522644},{"text":"If you need extra time, just let me know and we can readjust from there.","start":3025.435,"end":3029.855,"sentiment":"neutral","sentiment_score":0.13539437105258306},{"text":"Thanks.","start":3035.26,"end":3035.58,"sentiment":"neutral","sentiment_score":0.27007174491882324},{"text":"You too.","start":3035.58,"end":3036.32,"sentiment":"neutral","sentiment_score":0.10095297172665596},{"text":"Okay.","start":3051.005,"end":3051.505,"sentiment":"neutral","sentiment_score":0.02907375432550907}],"sentiment":"neutral","sentiment_score":0.1448874813504517,"num_words":20,"start":3025.035,"end":3051.505},{"sentences":[{"text":"Those last ones that you about signing, is that what's that?","start":3051.565,"end":3057.805,"sentiment":"neutral","sentiment_score":0.01005503861233592},{"text":"Is that the one that you sent out this afternoon?","start":3057.805,"end":3061.0698,"sentiment":"neutral","sentiment_score":0.004904935928061604},{"text":"Yeah.","start":3062.5698,"end":3062.89,"sentiment":"neutral","sentiment_score":0.012404643930494784},{"text":"Yeah.","start":3062.89,"end":3063.0498,"sentiment":"neutral","sentiment_score":0.02125406451523304},{"text":"I get it.","start":3063.0498,"end":3065.2898,"sentiment":"neutral","sentiment_score":0.015634097158908844}],"sentiment":"neutral","sentiment_score":0.009239068613029443,"num_words":26,"start":3051.565,"end":3065.2898},{"sentences":[{"text":"Mhmm.","start":3065.2898,"end":3065.7898,"sentiment":"neutral","sentiment_score":0.005171474535018206},{"text":"Okay.","start":3066.49,"end":3066.97,"sentiment":"neutral","sentiment_score":0.04154905304312706},{"text":"That that's cool.","start":3066.97,"end":3067.69,"sentiment":"neutral","sentiment_score":0.08228155101339023},{"text":"Sorry.","start":3067.69,"end":3068.0098,"sentiment":"neutral","sentiment_score":-0.18210740387439728},{"text":"My brain is, yeah, waterlogged at the moment.","start":3068.0098,"end":3071.23,"sentiment":"neutral","sentiment_score":-0.250098405405879}],"sentiment":"neutral","sentiment_score":-0.1349521047502224,"num_words":14,"start":3065.2898,"end":3071.23},{"sentences":[{"text":"Not at all.","start":3079.715,"end":3080.615,"sentiment":"neutral","sentiment_score":-0.17255624135335287},{"text":"It's amazing.","start":3081.813,"end":3082.453,"sentiment":"positive","sentiment_score":0.6003097593784332},{"text":"Thank you.","start":3082.453,"end":3083.273,"sentiment":"positive","sentiment_score":0.5873679220676422},{"text":"You too.","start":3086.613,"end":3087.173,"sentiment":"neutral","sentiment_score":0.2549518346786499},{"text":"Thanks.","start":3087.173,"end":3087.673,"sentiment":"positive","sentiment_score":0.3686819076538086}],"sentiment":"neutral","sentiment_score":0.27362722158432007,"num_words":10,"start":3079.715,"end":3087.673},{"sentences":[{"text":"Bye.","start":3089.173,"end":3089.673,"sentiment":"neutral","sentiment_score":-0.04362611845135689}],"sentiment":"neutral","sentiment_score":-0.04362611845135689,"num_words":1,"start":3089.173,"end":3089.673}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Steven. It's Dana from Open Financial. How are you this afternoon?\n\nChannel 1: Good. Yes.\n\nChannel 0: Yeah. I'm good. Thank you. I had people need to go through an annual review with you. Is now still a good time?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Are you are you sure? Are you okay? Sorry. Feel like I woke you up.\n\nChannel 1: No. No. No. I'm sick, but yeah. No.\n\nThat's alright.\n\nChannel 0: Oh, I am so sorry. You got the flu\n\nChannel 1: Oh, that's alright.\n\nChannel 0: or yeah.\n\nChannel 1: Yeah. Right. Both of my bosses brought it in brought it in to work mothers.\n\nChannel 0: Yuck. Yuck. Oh, have you got a bit of time off? I'm so sorry.\n\nChannel 1: No. No.\n\nChannel 0: Bit of write\n\nChannel 1: No.\n\nChannel 0: down time.\n\nChannel 1: No. That's alright. Not much going\n\nChannel 0: Yeah.\n\nChannel 1: on at work at the moment, so just tagging along.\n\nChannel 0: Oh, absolutely. Well, I hope you feel better soon. I understand. I was picked up long ago, so I completely get it. I can bring it down.\n\nIs now a good time to go through things? If you're not feeling well, I don't mind rescheduling to a better time for you.\n\nChannel 1: No. No. That's alright.\n\nChannel 0: That's okay? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: All good. I do know we send through some annual review documents to you to kinda go through. Are you able to look at your emails? If you can't, that's okay. I'm happy to go through it for you.\n\nChannel 1: Yeah. I could do that.\n\nChannel 0: Yep. Beautiful. And before\n\nChannel 1: Alright.\n\nChannel 0: we\n\nChannel 1: Did\n\nChannel 0: jump\n\nChannel 1: you\n\nChannel 0: into\n\nChannel 1: say\n\nChannel 0: the call\n\nChannel 1: you have sent them? Or\n\nChannel 0: send me them now for you.\n\nChannel 1: oh, okay.\n\nChannel 0: Yep. That's okay. All good. Hopefully, it comes through fairly quickly for you. Emails don't like me much today.\n\nThere we go. It's set. It's set. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Before I jump in the call and go through things and discuss your personal information, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file.\n\nChannel 1: Steven Charles Brown, 17 Byron\n\nChannel 0: Yep.\n\nChannel 1: Drive, Jimboom, Queensland 4280, 05/02/1986.\n\nChannel 0: Fantastic. Thank you so much for that. Hopefully, the email pops through fairly soon there for you. Just let me know if it doesn't. If it doesn't look well, just double check your junk mail because sometimes I get directed through the junk section.\n\nOh, excellent. Excellent. Now when you click on the sign button, you don't have to worry about that right now. But when you click on the sign button, it takes you through to the ongoing service agreement for the next twelve months. Obviously, as a client, you do pay the ongoing service fee, which is 1.65% per annum, and that is deducted out of consumer on a smaller monthly increment, and it does fluctuate the market as it is as it is a percentage based fee there for you.\n\nOkay? We've also attached this year a tax file opt in form, so we just have to validate the reasoning behind why we hold your tax phone number. So because we set up your statement within Hub twenty four there and help with the insurance side of things, we did have to hold your tax phone number on file. So we are very security conscious with everything. We just wanna make sure you're aware that we do hold that sensitive information on you, and that document outlines how and why and what security measures we take in order to keep that safe.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Now with the DocuSign the the Otusign there, sorry, if you're on the front page, if you scroll down just underneath the the wording that we've typed in there, you should have a couple of attachments. Can you see those there at all?\n\nChannel 1: Yeah. I can 12345. I've got 8.\n\nChannel 0: Yep. Perfect. The main one that we're looking at is the superannuation and insurances. So the summary of superannuation and insurances, it should stay there.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. If you open that one up there, it just gives you an updated balance.\n\nChannel 1: I couldn't even tell you what they were before.\n\nChannel 0: That's okay. I do have that for you as well. No worries. So when I sort of look back this time last year, your balance then was about 56,605 and 97¢. So your balance sorry.\n\nYep. Your balance now, as on the document there, you've got 64,205 and 94¢ there. So it has definitely increased on the year for you.\n\nChannel 1: That's good.\n\nChannel 0: Okay. Excellent. Within BT at the moment, that was as that originally is now owned by BT. The balance of the account's 2,640 and 27¢. So very minimum balance there.\n\nI know we did provide that advice last year, and it looks like it kind of did expire there. I did have a bit of a look at your file beforehand. I would like to update that advice just to reconfirm things for you and get everything moving and consolidated. But I\n\nChannel 1: Mhmm.\n\nChannel 0: also found some things I'd like to change within your portfolio and have 24 as well. So, realistically, everything's been performing quite nicely. We have seen a lot of market ups and downs this year, and\n\nChannel 1: Yeah.\n\nChannel 0: probably, you know, have heard it all in the news of what's happening between The US and Iran.\n\nChannel 1: Mhmm.\n\nChannel 0: And here in Australia, we've also had high inflation rates, which does also have an effect on\n\nChannel 1: Mhmm.\n\nChannel 0: on, like, bonds and fixed interest investments as well. So having a look, most things are performing very, very nicely, but you did also have the Bennelong Australian Equities investment in your portfolio. Now the idea that's been originally placed in your portfolio was that Bennelong is an active manager. Essentially, the investment manager within Bennelong is trying to outperform the market, and this year, it has not been able to do so. And it hasn't necessarily been to do with the market.\n\nSo when an investment isn't performing well, we wanna compare that against the rest of the market. And as a whole, as much as we're seeing ups and downs, the Australian market is actually performing quite well, and we're still fairly heavily overvalued at the moment. But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back. Essentially, the main reason that Bennelong is down at the moment is that one of its underlying investors, Corporate Traveler, had been dishonest to the market, to its investors, and then it got found out when it had to report. So it has had a trading halt, and it's now been investigated there as well.\n\nAnd then along can't remove that from its portfolio, but we can remove you from that alone. So I would like to if you're comfortable with me updating the advice again for you, I'd like to remove that from your investment and just maybe reevaluate all your other investments within hub twenty four as well as the BT one. We'll be\n\nChannel 1: Mhmm.\n\nChannel 0: consolidating everything for you and just updating everything as well and making sure it's working properly. Are you comfortable with me doing that this year for you?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yes.\n\nChannel 1: Just in regards to if if we do decide to sell down and then along,\n\nChannel 0: Mhmm.\n\nChannel 1: is that will will will there be a negative impact? Or, like, I don't know how that side works.\n\nChannel 0: Yeah. That's absolutely\n\nChannel 1: So, obviously,\n\nChannel 0: fine.\n\nChannel 1: if it if it's down, it's gonna\n\nChannel 0: Yes.\n\nChannel 1: be capturing a loss. So how like,\n\nChannel 0: That's\n\nChannel 1: how\n\nChannel 0: correct.\n\nChannel 1: how does all that work?\n\nChannel 0: Yeah. That is absolutely correct. So if we do to sell the investment while it is low, we are cementing a loss. Real at the moment, the loss in the portfolio, or earnings wise, it's showing $5,621. So we would be cementing that, which means your balance would be expected to be minus that $5,621.\n\nBut what I would like to do is make sure that we put you into an investment that can make that money back nice and quick because we absolutely will be selling the lot. My biggest concern with not doing that at the moment is that Venlo continued to decrease, and it is, on most days, having a sell off. So that loss could actually increase more. I would much\n\nChannel 1: Yep.\n\nChannel 0: rather move that now, cement that loss now, put you into something that can make that money back in the right and quick rather than sort of watch it continue to decrease and then having to sell it down down the track. Does that make sense?\n\nChannel 1: Mhmm. Yeah. Yeah. No. That makes sense.\n\nI'm I'm happy to\n\nChannel 0: Yep.\n\nChannel 1: do that. That's fine because, I\n\nChannel 0: Yep.\n\nChannel 1: mean, nobody likes losing money.\n\nChannel 0: No. Absolutely not.\n\nChannel 1: But but with it being realized and and, yeah, captured as a loss, like,\n\nChannel 0: Mhmm.\n\nChannel 1: obviously, it's a loss. Does that\n\nChannel 0: Mhmm.\n\nChannel 1: affect anything else, like tax returns or or anything like that?\n\nChannel 0: That's a really good question. And, no, not for yourself, Because your super fund is essentially a trust, it's its own entity, your super fund and the trust in the fund actually do a tax return every year just like you do.\n\nChannel 1: Mhmm.\n\nChannel 0: Cementing that loss doesn't affect your personal tax return or income in any way, shape, or form. It's just the loss that is realized by the super fund, and they will\n\nChannel 1: Okay.\n\nChannel 0: account for that as part of their normal tax process essentially. But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well. So we can kind\n\nChannel 1: Okay.\n\nChannel 0: of use that gain that loss to our advantage. There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to.\n\nChannel 1: Mhmm.\n\nChannel 0: There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon,\n\nChannel 1: Yep.\n\nChannel 0: but I can definitely see some areas that we could improve on moving forward for you. It's just that with this, even everything that's kinda going on globally, there has been some changes within the market, and it has sort of meant that it is worth updating people's portfolios now, making some changes, switching investments around, and looking at other ways to build additional gains for you as well. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. That sounds good.\n\nChannel 0: Fantastic. One of the things I wanted to ask you about was with that Benelon investment, now as I've kind of mentioned before, that was more of an actively managed fund. Did\n\nChannel 1: Yep.\n\nChannel 0: you want me to keep realistically, you are young. You've got a lot of time ahead of you before accessing CUPES. You can benefit from having some sort of active manager in your portfolio, but you do pay higher management fees to have active managers in your portfolio. Would you like me to continue having some sort of active management placed in there, or would you like me just to focus on maybe lower risk passive investments that might be cheaper, might save on fees, and can be, you know, compounded towards your retirement goals? What would you like\n\nChannel 1: Can I\n\nChannel 0: to\n\nChannel 1: just say full? That's gone straight over my\n\nChannel 0: see? You are absolutely fine.\n\nChannel 1: head.\n\nChannel 0: Do you want me to sort of focus on having maybe an active manager in there in investments that is trying to outperform against the market? You take a bit more risk and pay more fees for doing that, or did you want just a portfolio that's lower cost, is cheaper on fees?\n\nChannel 1: Can I well, I like both options?\n\nChannel 0: I\n\nChannel 1: Can\n\nChannel 0: can\n\nChannel 1: can\n\nChannel 0: look\n\nChannel 1: I be\n\nChannel 0: at I\n\nChannel 1: the pain\n\nChannel 0: can look\n\nChannel 1: and\n\nChannel 0: at time.\n\nChannel 1: and yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Can you can you give me a comparison between some some of them in in this year's review for me to look at?\n\nChannel 0: Would you like me to? Because I sort of have to make the recommendation either way. I've actually got an option for a portfolio that does have some active management in it, but it's also actually quite cheap, and it stays on investment fees. I can look at trying to incorporate both things if you want, reduce the fees in the portfolio, but also keep some active management in there for a little bit.\n\nChannel 1: Yeah. That sounds alright.\n\nChannel 0: Yeah. Yeah. Best of both worlds.\n\nChannel 1: That sounds like yeah. Yeah. That sounds like it covers best of both worlds. So yeah. No.\n\nThat sounds good.\n\nChannel 0: Fantastic. All good. Not an issue at all. I was like, I always give you the option, but if you're really not sure, I do have options in between that can go both ways, so don't worry. Fantastic.\n\nChannel 1: Yeah. I'll I'll let I'll let you have a look at all of the different options. But, yeah, I I\n\nChannel 0: Yep.\n\nChannel 1: do like, yeah, I like the sounds of the best of both worlds, but\n\nChannel 0: Yep.\n\nChannel 1: you'll be advising you understand these things. I don't. Clearly, I have no idea really.\n\nChannel 0: You're absolutely fine. That's not a problem at all. What I'll do is I'll go back to the drawing board, just have a look at the options. I'll do a bit of research on the portfolio, on the super, everything there, and we'll look at what we can do for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Easy\n\nChannel 1: Temperature.\n\nChannel 0: done. The other thing to sort of look at is the insurance side of things. So one of the things we had in the advice document was that we were looking to increase your life and CBD cover to a million dollars and then looking at transferring it over so it could all be consolidated into hub twenty four. That was mostly because your mortgage on the property, which, hopefully, you guys have all had settled and moved into. Are you in there?\n\nChannel 1: Yep.\n\nChannel 0: Is\n\nChannel 1: No.\n\nChannel 0: it all built?\n\nChannel 1: No.\n\nChannel 0: Oh, no. I'm sorry. Oh, no.\n\nChannel 1: I have a slab, and I have a frame sitting on the ground waiting to be erected.\n\nChannel 0: Oh gosh. No. I was hoping you would at least be in there or have it close to by now. No way.\n\nChannel 1: You and me both, but, no, we didn't start until\n\nChannel 0: Yep.\n\nChannel 1: April. March, April, May. I think it was May. I don't know. Somewhere around it.\n\nBut, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: we've we've had the flood and then we've had rain and then that got delayed and then yeah. So now we're just waiting on a a carpenter to turn up to erect a frame for us, which should\n\nChannel 0: Wow. Wow. Are they giving\n\nChannel 1: be\n\nChannel 0: you any kind of time frame on how long before the\n\nChannel 1: awesome.\n\nChannel 0: whole thing should be built to hand over? Or\n\nChannel 1: Original fighting was we should be in for Christmas. So as long\n\nChannel 0: yeah.\n\nChannel 1: as everything runs smoothly, that would be good.\n\nChannel 0: Yeah. So sorry. Damn. I was really looking\n\nChannel 1: No. That's\n\nChannel 0: forward\n\nChannel 1: alright.\n\nChannel 0: to this conversation. I was like, wow. Surely, you're in the house by now.\n\nChannel 1: I would love to say yes, but no. And then the current house that we're in, the owners decide that he wants to sell that one, and it's now hit us up and see if we're in a position to buy. I'm like, we you know, I think that's, like, four months ago.\n\nChannel 0: Yeah. Oh, wow. Insane.\n\nChannel 1: So yeah. Yeah. Oh, it's been great. I'll tell you.\n\nChannel 0: Yes. Yes. You've had a lot going on. Understandable. Oh,\n\nChannel 1: Now\n\nChannel 0: goodness\n\nChannel 1: I've got bloody\n\nChannel 0: me.\n\nChannel 1: open homes every week.\n\nChannel 0: Oh, yuck.\n\nChannel 1: I never\n\nChannel 0: Yuck.\n\nChannel 1: wanna do that again ever.\n\nChannel 0: Yeah. No. I agree with you there. Absolutely. When the property is built, we're still looking at a loan of about a million dollars.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Beautiful. And with your wife and TPD cover, is it still appropriate that you wanted to be covered for that million? So in the event of you passing away, the life cover pays out the loan for your partner, and then, you know, your super balance is paid on top of that as an additional buffer.\n\nIs that still fairly appropriate life cover wise?\n\nChannel 1: Yeah. Well, that was that was my original plan. So, yeah, at least\n\nChannel 0: Yep.\n\nChannel 1: it's covered, and it's it's not a burden to to him afterwards.\n\nChannel 0: Yeah. Absolutely. And then with total permanent disability, we were, again, covering you for a million dollars, which meant that if you were never able to go back to work again, that million dollars provides a buffer, pays off the mortgage, and then your super balance is paid out to also provide a buffer and then supplement his income moving forward. Does that still sound appropriate goal wise for TBD? Or\n\nChannel 1: Yeah. It does.\n\nChannel 0: yes. Yes. Beautiful. With your\n\nChannel 1: Just\n\nChannel 0: income\n\nChannel 1: sorry.\n\nChannel 0: for\n\nChannel 1: Just one\n\nChannel 0: you're\n\nChannel 1: question\n\nChannel 0: a yeah. Sure.\n\nChannel 1: on that t well, on the TPI and the and the life. Well, the life,\n\nChannel 0: Yeah.\n\nChannel 1: it doesn't really apply, but the TPD size.\n\nChannel 0: Yeah.\n\nChannel 1: Is that any occupation, or is that my current occupation?\n\nChannel 0: So when you hold TBD inside super, they only give you an any occupation definition. So that means that you essentially have to be able to go back to work in any occupation for which you were educated, trained, or have worked at.\n\nChannel 1: Okay.\n\nChannel 0: Let me double check your policy because you also have a portion of your policy which is paid outside of super.\n\nChannel 1: Yep.\n\nChannel 0: And I just wanna double check whether that has the TBD side of it because I know you do have some income protection which is paid outside of super\n\nChannel 1: Mhmm.\n\nChannel 0: on a on a a monthly basis there as well. But sorry. Just going into the city of currency to double check because that summary doesn't have it. Okay. So with the city of currency, so the benefit paid outside of super to out of your pocket, that is that's the income protection part.\n\nAnd, yeah, the TBD benefit is only paid inside super, and it's definitely in any occupation. Yeah. It does mean it is a little bit hard to claim on an any occupation definition because if you were paying any of the, TPD outside of super, you would get access to the own definition, which means that you they would always assess the inside super portion first. But if you didn't meet that criteria, they can then assess you with the own occupation, which essentially is that you're unable to get back to work in the occupation that you worked prior to the disability, essentially, which, as you can imagine, would be a much easier definition to claim TBD on.\n\nChannel 1: Yes. It would be.\n\nChannel 0: Yeah. Yeah. Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket? Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I might actually look into that because, yeah, as you said, it would be easier, and I do know of somebody who has been caught out by that.\n\nChannel 0: Yep. Yep. Absolutely. I can add that into into the research for you to see if it's possible to get\n\nChannel 1: Sorry\n\nChannel 0: some\n\nChannel 1: to\n\nChannel 0: of\n\nChannel 1: keep\n\nChannel 0: that\n\nChannel 1: adding\n\nChannel 0: paid\n\nChannel 1: all\n\nChannel 0: out.\n\nChannel 1: the leaks to things. Yeah.\n\nChannel 0: No. You are absolutely fine. Like, it's got it's your goal, so it's gotta be what you want it to be. Even if I can't get that policy altered in that way, I can always look at adding a little bit of CBD outside of Super and just kind of, you know, giving you that option as well. So that's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you. But I will absolutely have a look at that and see what we can do. Perfect. Now we've also got income protection.\n\nThat is essentially paid I think it's got a bit inside paper and a little bit outside paper. I'm just opening that ticket currently up for you. The only downside to the BT and the Asgard policies is they're all individual. They're linked. So it's a just it's a different document for each one.\n\nChannel 1: Just to make it hot.\n\nChannel 0: Yeah. So with your income protection policy, part of it is paid inside super and part of it paid outside of super. The outside of super portion is only a small amount. You're paying about $42.49 on a a monthly basis at the moment there\n\nChannel 1: Yep.\n\nChannel 0: with the amount you are covered for. So the monthly benefit covered is $4,889. That is a pretax amount. So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that. So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on.\n\nAnd, normally, they can't sort of cover you for more than 70 to 75% of your current income. I can\n\nChannel 1: Mhmm.\n\nChannel 0: double check the amount of benefits. Do you want me to look at maybe increasing the income protection policy for you? Do you feel like that benefit's sufficient in the event you're not able to go to work? What's your thoughts there?\n\nChannel 1: Yeah. We might look at increasing that as well.\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: From memory, I get about 2,300 a fortnight. So whatever that works out to.\n\nChannel 0: 23\n\nChannel 1: And that\n\nChannel 0: 100\n\nChannel 1: well, that's\n\nChannel 0: a fortnight.\n\nChannel 1: that's big.\n\nChannel 0: Okay. Do you remember what your income was last financial year? Total growth?\n\nChannel 1: No. No.\n\nChannel 0: Nope. That's okay. That's alright. The 2,300 take home net per fortnight. That gives us 26.\n\nAbout 59,800. Because I had you on about 70,000 last year, and that looks like it's pretty close to what you'd be on pretax. With the income protection side of things, they generally don't let you be covered for more than 70 percent. Older policies can be 75, and I'll double check whether yours can be 75 or 70%.\n\nChannel 1: Mhmm.\n\nChannel 0: Covering\n\nChannel 1: Mhmm.\n\nChannel 0: yourself for anything more than that doesn't really work out to your benefit because what happens is when you go to claim, they'll ask for your, like, payslip, your past tax returns, and things like that, and they'll look at what income you were on prior to you being off work and unable to go to work. And they essentially only pay out the maximum that you're able to be covered for based on that income. So\n\nChannel 1: Mhmm.\n\nChannel 0: if\n\nChannel 1: Perfect.\n\nChannel 0: you have a higher level of cover, it's right you're paying for it. It's there, but there's no depending on what your income is, they may not actually pay that amount, which means you could be paying for cover that you can't actually claim on, which is pretty pointless.\n\nChannel 1: Yeah. There it is.\n\nChannel 0: Yeah. If I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis. So you're a bit over insured at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: If I work it out on 75%, which is what they used to pay 2021 allow, and your policy is back from a lot before that. It shouldn't be a problem, and I'll double check the rules. 75. It's 70,000 means it would be 4,375 as a monthly benefit amount. So at the moment, you're slightly over insured.\n\nIf you're comfortable, I can go back and work out exactly what you would need based on the cover eligibility and just alter it to make sure you're not overpaying or not underinsured?\n\nChannel 1: Yeah. I'll have to have a look.\n\nChannel 0: Yes.\n\nChannel 1: As I said, I know it's about 2,300 or fortnight that I get banked. But, yeah, I couldn't actually tell you.\n\nChannel 0: Yep.\n\nChannel 1: That's pretty sad.\n\nChannel 0: That's okay. That's alright. If if I can get you just to double check, even just your group certificate or that they put into your MyGov account, I'll get my colleague, Samantha, to give you a call over the next few days just to sort of follow that one up. But if you can get an idea\n\nChannel 1: Yep.\n\nChannel 0: of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way. Okay?\n\nChannel 1: Alright. Yep. Okay. I'll\n\nChannel 0: When\n\nChannel 1: continue.\n\nChannel 0: you're better.\n\nChannel 1: I'll no. No. That's alright. I'll I'll look in my account while we continue this conversation because\n\nChannel 0: Okay.\n\nChannel 1: I got\n\nChannel 0: Beautiful.\n\nChannel 1: three different ones just fine in and out of. So\n\nChannel 0: Oh, no. They make\n\nChannel 1: yeah.\n\nChannel 0: it hard, don't they? Shocking.\n\nChannel 1: It's yeah. It's stupid.\n\nChannel 0: No. All good.\n\nChannel 1: For your security,\n\nChannel 0: Now\n\nChannel 1: please\n\nChannel 0: the\n\nChannel 1: place\n\nChannel 0: other\n\nChannel 1: your browser.\n\nChannel 0: there is one other type of insurance that we do also and can look at, and that is trauma. Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions. You can't hold trauma inside of it. It is a a policy you can only hold out and pay for out of your back pocket. Did you wanna look at maybe getting some trauma cover, or are you happy just with the life PPD and income protection?\n\nChannel 1: I would like to guess it. Yes.\n\nChannel 0: Yep. Yep. Beautiful. When you think about trauma and the level of cover you might want, what would you be wanting to pay out in that sort of an instance? Do you know is it maybe one or two years worth of net or gross income?\n\nAre you wanting to cover the mortgage? What sort of cover level would you be comfortable\n\nChannel 1: I don't actually know the answer to that question.\n\nChannel 0: with? That's okay. If you like, what I could do is I could look at maybe one year's worth of gross income for you as part of the advice and show you what the cost is. But then in the appendices, I could also put some additional quotes to show you two or three or five years worth of gross income. Does that sound okay?\n\nWould you like to sort of see that, or what would you think?\n\nChannel 1: Yeah. That that would be good. We sort of can\n\nChannel 0: Yes.\n\nChannel 1: get a sort of an idea of what's there and what's available.\n\nChannel 0: Yes. Absolutely. And then if you decide you wanna kind of alter that, come back and let me know. We can go back and alter the recommendation. It just sort of shows you what it is.\n\nI think one of the big things with trauma is that it is an out of pocket cost. So you are paying that premium every month the same as you are with your income protection outside of Duke at the moment. So having a set level of cover and a lot of people like one or two years worth of income because it means if they had, like, a major diagnosis, they could take a year or two off.\n\nChannel 1: Mhmm.\n\nChannel 0: Trauma's the first thing we claim on. You can then if you still can't go to work, claim on income protection and CPD and things like that. It's just that this is giving you a starting buffer whilst you're on the waiting period for income protection and whilst you're going through the process of, you know, trying to work out whether you'll ever go back to work again to claim on CBD.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Beautiful. All good. Do you have any questions? I know I go through a lot with the insurances, but do you have any questions in relation to any of that?\n\nChannel 1: No. I don't think so at this stage.\n\nChannel 0: No? That's okay. The other thing we looked at last year was making salary sacrifice contributions, and we were starting to look at sort of $50 on a weekly basis. As part\n\nChannel 1: Mhmm.\n\nChannel 0: of the advice update, do you want me to refactor in salary and additional contributions to super?\n\nChannel 1: Yes, please.\n\nChannel 0: Yes. That's okay. And $50 per week, is that still fairly appropriate and comfortable, or did you wanna change that amount?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: That's okay? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Lovely. No worries at all. And\n\nChannel 1: What is going on here?\n\nChannel 0: with updating the advice, is there any changes to your health that we would maybe need to factor in?\n\nChannel 1: No. Not at this stage.\n\nChannel 0: Nope.\n\nChannel 1: Everything's\n\nChannel 0: That's okay.\n\nChannel 1: going along nicely.\n\nChannel 0: Fantastic. How's all the pain? How's the ankylosing spondylosis? Is everything okay that way? Still having lots of pain or still on medication?\n\nChannel 1: Look. I'm still on the medication. That's most likely gonna be a a lifetime thing.\n\nChannel 0: Yeah.\n\nChannel 1: But all the other medication for what sort of thing gout and and that sort of stuff\n\nChannel 0: Yes.\n\nChannel 1: is taking me off that, so no longer taking that. It's just the anti\n\nChannel 0: And\n\nChannel 1: inflammatories is required and the humira injections.\n\nChannel 0: Yep. Beautiful. Are you on any particular anti inflammatory, or is he just giving you just an over\n\nChannel 1: He's\n\nChannel 0: the\n\nChannel 1: got me on\n\nChannel 0: counter\n\nChannel 1: Mobic.\n\nChannel 0: one? Mobic. Beautiful. Lovely. And you said with the Humira, it's just still just one injection per day?\n\nChannel 1: Per fortnight.\n\nChannel 0: Per fortnight. Perfect. Excellent. Good to see. Thank you so much for updating that.\n\nI'll go back and just reevaluate the insurances and update the advice there for you and factor in what we'll do with your super as well to sort of make it easier. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Easy. Just\n\nChannel 1: I'm\n\nChannel 0: to\n\nChannel 1: not having\n\nChannel 0: update\n\nChannel 1: any luck with myGov, so it just keeps\n\nChannel 0: no.\n\nChannel 1: telling me to close my for your security, please close your browser. I'm like, I'm not even logged in. Like, just let me log in.\n\nChannel 0: Absolutely. I love the government. They make everything so hard.\n\nChannel 1: Oh, it's bloody ridiculous. I tell you.\n\nChannel 0: Oh, and that's okay. If you can't get into it, don't worry. I'll send you an email after the call, and I'll get my admin team member, Samantha, to follow-up over the next few days there for you as well. But if you need some time just to rest and get better, that's absolutely okay. Alright.\n\nAll good. Retirement wise, we're still tracking towards 60 for your retirement goal, hoping to retire by then?\n\nChannel 1: I would love to reply earlier. But\n\nChannel 0: Well, 60 is\n\nChannel 1: yeah.\n\nChannel 0: the earliest we can inside the for the moment. If\n\nChannel 1: Unfortunately.\n\nChannel 0: you are wanting to look at exactly. If they ever change that, I'll let you know. I'll be the first one to give you a call going, guess what? If you do\n\nChannel 1: I'll\n\nChannel 0: wanna\n\nChannel 1: have to\n\nChannel 0: look\n\nChannel 1: win\n\nChannel 0: at\n\nChannel 1: the gold medal in order to do that, I tell you.\n\nChannel 0: yeah. I'm trying too. Not gonna lie.\n\nChannel 1: Yeah. You you you and me both.\n\nChannel 0: If you do wanna look at, you know, trying to retire earlier, we can always look at, you know, building about that side of things like that. But based on super at the moment, '60 is the earliest. And as I said, if\n\nChannel 1: Yep.\n\nChannel 0: anything changes down the track, I'll absolutely let you know. Okay?\n\nChannel 1: Awesome.\n\nChannel 0: The retirement income, we still think we're we're hoping to get about $1,500 a week in retirement income wise. Does that still sound appropriate?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. I've also got down here. So the loan expected on the new property when that is fully built to be about a million dollars. I've also got here the estimated value when that is fully built to be a million.\n\nAs much as that is a few months down the track, what sort of estimated value do you think that might be when you do get handover?\n\nChannel 1: God knows in today's current market with everything that's going on.\n\nChannel 0: Yeah. That's it. I can\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: would\n\nChannel 0: sort of note expected a million if you'd like.\n\nChannel 1: I would I would like to pay probably $1.02, $1.03.\n\nChannel 0: Yep. Beautiful. Excellent. I've got contents down here, estimated value at about 150,000. Would you alter or change that at all?\n\nChannel 1: No. That'll be fine.\n\nChannel 0: That'll be okay? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I've also got the 2012 Kailax. Do you still have that vehicle?\n\nChannel 1: No. She died.\n\nChannel 0: Oh, no.\n\nChannel 1: Yeah. Yeah. She died.\n\nChannel 0: Oh, that's a shame. What did you\n\nChannel 1: Very\n\nChannel 0: have\n\nChannel 1: short\n\nChannel 0: to\n\nChannel 1: and\n\nChannel 0: replace\n\nChannel 1: quick\n\nChannel 0: that\n\nChannel 1: painful\n\nChannel 0: with?\n\nChannel 1: death.\n\nChannel 0: What did you have to replace that with?\n\nChannel 1: I replaced it with a 2025 RAV four.\n\nChannel 0: Oh, wow. A form. It's not a bad car in any way, shape, or form. Not quite a Hilux, but it's still a good car.\n\nChannel 1: No. It is a it is a very nice car to drive.\n\nChannel 0: Yeah.\n\nChannel 1: It definitely is not a high luxe.\n\nChannel 0: No. Not as durable as the Hilux is. That's for sure.\n\nChannel 1: It's much better suited for our requirements now. So\n\nChannel 0: Yeah. Yeah. No. That's\n\nChannel 1: oh,\n\nChannel 0: all good.\n\nChannel 1: freaking nose.\n\nChannel 0: What sort of what sort of value would you put on that?\n\nChannel 1: Jeez, you like asking hard questions, don't you?\n\nChannel 0: I know. I know. I get to be nosy for a living. It's pretty cool. I'm not gonna lie.\n\nChannel 1: Oh, probably 60.\n\nChannel 0: 60. Beautiful. Excellent. And do you have a loan on that vehicle or owned outright?\n\nChannel 1: Alright.\n\nChannel 0: Outright. Beautiful. And then savings, we had you having about 3,000 in savings. Do you still have that or have a bit more in savings?\n\nChannel 1: It's about 9,000.\n\nChannel 0: Beautiful. Lovely. And anything else that we need to note down value wise? Do you have any other shares, cryptocurrency, tools of trade, or any collections that are valued?\n\nChannel 1: Nice.\n\nChannel 0: Nope. That's okay. Beautiful. And then the other thing to look at is the estate planning side of things.\n\nChannel 1: Mhmm.\n\nChannel 0: So just double checking. I don't have a beneficiary nomination, which is kind of really important. I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination. I'm assuming you want everything to kinda go to your partner to make sure he is looked after and covered. But without\n\nChannel 1: Mhmm.\n\nChannel 0: a beneficiary nomination in place, it means that that the super has to go through what's basically a probate process where it has to kinda go to the estate without having a beneficiary nominated, goes to the court system. People from your past and family can come forward and make a claim, which means it may not get directed to where you want it to go. So it is really important that we have that beneficiary nomination set up. I am gonna get the team to send one to you tomorrow or Monday. Is email or post easier for you?\n\nWhat would be best?\n\nChannel 1: Email email is fine.\n\nChannel 0: Email? Beautiful. I'll get them to have that sent through. If you can just fill it out, I'll send some directions on how to complete the nomination. And then once we get that back, we can have that applied.\n\nI just don't want that to be, you know, no beneficiary nomination applied right now. It's all gotta be looked after. So it's all in the event something happens, I mean, I don't want anything to happen to you, Steven, but in the event that something was to occur, if you were to pass away right now, you know, it's not protected. So we just\n\nChannel 1: Yeah.\n\nChannel 0: wanna make sure that all your i's and d's and p's are crossed. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Some other hard questions for you. When it comes to beneficiary nominations, you have three types of nominations you can choose from. One is a nonbinding nomination. That in my book is a pretty useful nomination. You're ticking the box.\n\nYou're putting the nomination on file, but the trustee gets the ultimate decision. He can choose whether or not to pay that nomination as per your wishes. Me, personally, I would never tick that box. You also have a binding lapsing nomination, which means you have to redo the beneficiary form every three years, or you can do a binding non lapsing, which means you fill the nomination format now, we have it applied, and you never have to fill another one out until things change or you wanna change that beneficiary. Which one would you like me to pick for you?\n\nChannel 1: That last one sounds good. We'll do it once\n\nChannel 0: Absolutely.\n\nChannel 1: once only, hopefully.\n\nChannel 0: Yeah. Absolutely. I know. I thought I sort of put it that way. I'm like, look.\n\nThe first two are pretty much a no go. The third one's always the best one to do, and we check that nomination with you every year, so it's absolutely fine. Okay.\n\nChannel 1: Okay. I finally got into myGov.\n\nChannel 0: X. Oh, fantastic.\n\nChannel 1: So the 2526 was 77 basically, 77,000.\n\nChannel 0: 70\n\nChannel 1: Like,\n\nChannel 0: 7,000.\n\nChannel 1: five well, it's about $80 shy of that. So\n\nChannel 0: Yep. That's okay. So I will base your income protection policy on 77,000 for you. Then there we go. Perfect.\n\nEasy. Thank you for that. Sorry. It took me so long to get in there. Painful\n\nChannel 1: Oh, that's alright.\n\nChannel 0: at my\n\nChannel 1: It's not\n\nChannel 0: job,\n\nChannel 1: yours,\n\nChannel 0: isn't\n\nChannel 1: though.\n\nChannel 0: it?\n\nChannel 1: It's just bloody I I hate my compassion. I really do.\n\nChannel 0: Yeah. I know. I do too.\n\nChannel 1: Oh, it's an absolute nightmare, especially when it doesn't wanna sign in. And then you get a passcode,\n\nChannel 0: Oh,\n\nChannel 1: and then it saves the passcode\n\nChannel 0: yep.\n\nChannel 1: as, like, letter and number combination. I'm like, yeah. Because that really helps me when you manage three, like, up accounts.\n\nChannel 0: Yep.\n\nChannel 1: How do I\n\nChannel 0: Yep.\n\nChannel 1: know which one is what one? So then you play the the the Russian roulette game of which one is it until you finally pick the right one. And half the time you pick\n\nChannel 0: Absolutely.\n\nChannel 1: the other ones more than once, it's like,\n\nChannel 0: Yep.\n\nChannel 1: oh my god.\n\nChannel 0: Oh, goodness,\n\nChannel 1: So\n\nChannel 0: man. It's a\n\nChannel 1: we\n\nChannel 0: painful\n\nChannel 1: got there\n\nChannel 0: thing.\n\nChannel 1: in the\n\nChannel 0: I\n\nChannel 1: end.\n\nChannel 0: we did. I always think with these sorts of things, the person who builds them sits there and goes, what can we do to annoy the most amount of people we possibly can on a regular basis? Let's do it this\n\nChannel 1: I have to agree with you because they certainly do.\n\nChannel 0: way. It's shocking, isn't it? Oh, goodness me.\n\nChannel 1: Yeah.\n\nChannel 0: The only other thing to sort of double check is extended to wise. Are you guys managing to put much in the way of savings away on a regular basis?\n\nChannel 1: Yeah. We normally get about 800 for the side\n\nChannel 0: Yep.\n\nChannel 1: extra\n\nChannel 0: Perfect.\n\nChannel 1: at the moment.\n\nChannel 0: Is that per week or fortnight or month?\n\nChannel 1: Fortnight.\n\nChannel 0: Per fortnight. Beautiful. Excellent. And then any changes to your role at work? I've got occupation as a machine operator.\n\nHave you had any promotions or still in the same employment?\n\nChannel 1: Same employment, no promotions,\n\nChannel 0: Yep.\n\nChannel 1: no increase.\n\nChannel 0: Oh, not good\n\nChannel 1: I know.\n\nChannel 0: enough.\n\nChannel 1: It's pretty yeah. I know. Right?\n\nChannel 0: And I just need to update Next of Kin contact phone number as well because I don't have that on file here. But can I grab your partner's phone number as Next of Kin as well? There we go.\n\nChannel 1: Yes. It's\n\nChannel 0: If you know it, I'm so sorry.\n\nChannel 1: no. No. 0439636\n\nChannel 0: Yep. Yep.\n\nChannel 1: 482.\n\nChannel 0: 482. Fantastic. Thank you for that. Beautiful. And then medium term goals we had down here is that over the next to the five years, paying off personal loans and credit cards.\n\nI don't actually have any personal loans or credit cards noted down. Do you still have those debts to pay off?\n\nChannel 1: Nope.\n\nChannel 0: Nope. All done? Perfect. So goal wise, over the next one, two, three, or even ten years, what other goals do you have, if any, that you are hoping to sort of achieve?\n\nChannel 1: Pay off the mortgage.\n\nChannel 0: I have some mortgage. I love that. Yep. Hopefully, we get some decreases in interest rates in that time frame.\n\nChannel 1: Oh, that'd be lovely. But, no, unfortunately, I don't see that happening. I just keep hearing\n\nChannel 0: I don't\n\nChannel 1: up, up, up.\n\nChannel 0: yeah. I know. I don't either. I think it's just gonna can you continue to go up until we can't service loans anymore, and then it will start to decrease the way it did, and there will be a vicious cycle. It will keep doing the exact same thing for the next thirty odd years.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Unfortunately, yeah, it would be nice, but,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, our government keeps keeping money against the wall. Nothing's gonna change.\n\nChannel 0: No. I understand that. I just spent the last four weeks pulling apart legislation with all the changes from the budget with the capital gains, with the CGT, with the negative gearing, the estimate of that stuff, and all of its and pieces. I just had to pull apart all the legislation so I could change advice and alter advice in relation to it to make sure people are still meeting goals. So that's fun.\n\nChannel 1: Yeah. I'm glad that's you and not me. That's all I can say on that.\n\nChannel 0: Yeah. No. They brought that in very fast and very much out of the blue. So, yeah, it's all kinda changing over the course of the next year or two and trust in the next three years as well. So there's a lot of changes coming in that we've had to kinda factor into advice very quickly to make sure that it's all still working hard.\n\nBut yeah. It'll be fine. It's what we do. The government makes decisions, and we all maneuver everything to make sure it'll still work.\n\nChannel 1: Yeah. Unfortunately, they make a lot of decisions that aren't good.\n\nChannel 0: I do. Absolutely. Absolutely.\n\nChannel 1: About\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: now\n\nChannel 1: 100\n\nChannel 0: that's\n\nChannel 1: and 30\n\nChannel 0: so\n\nChannel 1: $2,000,000 waste on Oz Alert. Like,\n\nChannel 0: I\n\nChannel 1: hello?\n\nChannel 0: know. I know. I was shocked. I actually was sick over the weekend, and I was, asleep on Monday. And I got that text message that someone woke up and went, that's right.\n\nThat was occurring. And it turns out so many people didn't get it. It didn't work properly, and I was like, well, that was a waste of time. So So we gotta get back to the drawing board and start again. More money\n\nChannel 1: Yeah. No.\n\nChannel 0: wasted.\n\nChannel 1: We're we're just gonna scrap that idea and and blow over a $132,000,000 in the process. Like,\n\nChannel 0: Yep. It's insane.\n\nChannel 1: do we not have anything better to spend a $132,000,000 on? Like, maybe\n\nChannel 0: Correct.\n\nChannel 1: increasing housing, for instance.\n\nChannel 0: Absolutely. I could think of\n\nChannel 1: No.\n\nChannel 0: a million things that would be much better. Oh god.\n\nChannel 1: Yeah. Like I said, pissing money up a wall, but with everyone else's tax money. But anyway, what\n\nChannel 0: Yeah.\n\nChannel 1: do we do?\n\nChannel 0: No. That's\n\nChannel 1: Can't\n\nChannel 0: it.\n\nChannel 1: do anything.\n\nChannel 0: That's it. That's it. That's it. That's\n\nChannel 1: Unfortunately, we all need a a massive\n\nChannel 0: it.\n\nChannel 1: eject button and boot the whole lot of them here.\n\nChannel 0: That's exactly right. Anyone who wants to be in politics should automatically be excluded from being allowed to do it. That, unfortunately, would leave us with no one, but, I mean, yeah, better than that one. It's it's insane. The people who make decisions and get in there and then tell us they're not gonna make changes, and then they change everything anyway.\n\nIt's like, hang on a second. How do we trust anyone anymore?\n\nChannel 1: Yep.\n\nChannel 0: Shocking.\n\nChannel 1: That's exactly right. They're they're always bad at each other.\n\nChannel 0: They are. They absolutely are. No. Understandable. Well, I don't I do wanna let you go back and have a rest, but the last thing just to sort of double check is the profile side of things.\n\nSo at the moment, you are in that growth portfolio. It's where you see 80% of your people invest in those growth assets. So, like, Australian shares, international shares, listed property, and commodities like gold and silver. And then\n\nChannel 1: Mhmm.\n\nChannel 0: the other 20 in low risk defensive investments, the things like cash, loans, and fixed interest. A growth portfolio, you're looking to try and average about nine so seven to 9% on a yearly basis. It suits someone who's not accessing their money for about six years, which you have more than that time ahead of you, and we do expect the likelihood of a negative return to be about one in every sort of five years or so. When we sort of look at that, so your time horizon for your with your stage in life, you are suited to the growth environment.\n\nChannel 1: Ready?\n\nChannel 0: But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are. If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling? Do you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime? Are you a bit nervous maybe calling us and seeing what we suggest to do, or are you feeling very concerned and maybe wanting to sell the investment down to to cash or fund a a lower risk portfolio? How do you think you might react?\n\nChannel 1: If it were to downturn like that, I think I would be I would prefer to be putting more into it to,\n\nChannel 0: Yep.\n\nChannel 1: yeah, reap the benefit of when it comes back.\n\nChannel 0: Absolutely.\n\nChannel 1: As long\n\nChannel 0: Perfect.\n\nChannel 1: as I've got time up my sleeve anyway.\n\nChannel 0: Yeah. Yeah. Absolutely. Fantastic. The next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds?\n\nDo you feel like you'd be comfortable if you have the right advice? Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it? You would only ever borrow for, say, buying property. How do you think you feel?\n\nChannel 1: I probably would with the right advice.\n\nChannel 0: Mhmm. Yep. Perfect. Lovely. Have you ever owned investments like shares in your own name in the car?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Beautiful. The other one I've ticked off here is that you're looking to try and get the best return you possibly can, say 8% and above on a yearly basis. That sounds about right.\n\nYou're happy for me to tick that\n\nChannel 1: Yep.\n\nChannel 0: box? Yeah. Beautiful. Excellent. So, realistically, the risk level with the the growth portfolio, if you think of risk out of another between one and five, one being all in cash, not taking much risk in the market, five being the highest level of risk, all in equities, you're sitting at about a three.\n\nSo you are kinda middle of the range. Do you feel like that's fairly comfortable for where you are? You sort of scored in that range so that growth portfolio does suit you, but just making sure you're fairly comfortable in that range.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. Lovely. Well, what I'll do is I'll reassess the insurances.\n\nI'll go back and see what I can find for you. We'll update the advice to reflect. I will also just go back and look at the super, the investments, how everything's performing between your BP super, your old Asgard super, and also hub. Look at consolidating everything over and look at what we can do to get that sorted for you. I'll update the advice.\n\nIt takes about four weeks for me to complete that now for you. Am I okay to book you in now for, say, in four weeks to go through that with you, Steven?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yeah. Beautiful. So that brings us up until oh, that's the August 27. Is what day normally suits you better through the week to go through this? Monday to Thursday?\n\nChannel 1: Yeah. Either a Monday or a Thursday is probably the better sorry. Monday or Wednesday is probably the better oh, actually, no. Let's go Monday or Thursday is probably the better day.\n\nChannel 0: Yeah. Absolutely. And is it sort of afternoon after, say, three, four, or\n\nChannel 1: Yeah.\n\nChannel 0: 05:00 that works better for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. What if I put you in for Monday, August 24? I can book it out for, say, four or 05:00. What would you prefer?\n\nChannel 1: Probably five would be better.\n\nChannel 0: Yep. Perfect. Easy done. I'll book that out there for you. It is a couple of weeks away, so I'll add a text message reminder so it sends you a message today of to let you know that you are booked in.\n\nAnd if anything comes up, if you find you can't make that appointment, that's okay. Just let us know. We'll happily reschedule it. No issues at all. But I just wanna make sure I have you in and booked in ready to go through that one in about four weeks, and I'll just complete the research in the meantime there.\n\nOkay?\n\nChannel 1: Okay. And just prior\n\nChannel 0: Beautiful.\n\nChannel 1: to that call, I will receive\n\nChannel 0: Yep.\n\nChannel 1: that information for me to review prior to or\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Absolutely.\n\nChannel 1: the time\n\nChannel 0: If\n\nChannel 1: off?\n\nChannel 0: you like well\n\nChannel 1: Okay.\n\nChannel 0: yeah. Normally, we said at the time of, but what I can do is I can let my team know that we need all of that done on the Thursday prior, and I can email it to you on the Thursday. That way, you can read through the document, then we can go through it together, and you can\n\nChannel 1: Yep.\n\nChannel 0: have any questions pre prepared to make it easier on you. Okay?\n\nChannel 1: Yeah. That might yeah. That that might be good.\n\nChannel 0: Yeah. That's okay. It is a lot to go through. If you remember the last statement of advice, there's a lot of sections. So if I have it\n\nChannel 1: Yep.\n\nChannel 0: sent to you on the Thursday prior, that way you can go through it over the course of the weekend. And then on the Monday afternoon, we can talk it through. Okay?\n\nChannel 1: Sounds\n\nChannel 0: Easy. All good. Is there any questions that you might have for me? Anything you think I maybe haven't touched base on or wanted to kind of ask me as part of the call?\n\nChannel 1: good. No. I think we're pretty well\n\nChannel 0: Yeah.\n\nChannel 1: covered, I think.\n\nChannel 0: Yeah. Beautiful. Excellent. Well, if there's anything further or I need any additional information, I'll make sure my team come back and ask. In the meantime, I'll get exactly to that research for you, and I'll aim to have it all sorted and ready to go on the Thursday, the twentieth.\n\nThat way, I can email it through to you before the call. Okay?\n\nChannel 1: Alright. Amazing. Yes.\n\nChannel 0: Easy.\n\nChannel 1: If you need extra time, just let me know and we can readjust from there.\n\nChannel 0: No worries at all. Thank you so much for taking my call. I hope you feel better. If you can\n\nChannel 1: Thanks.\n\nChannel 0: just\n\nChannel 1: You\n\nChannel 0: take\n\nChannel 1: too.\n\nChannel 0: some time to thank you. Take some time to have a look at the annual review documents. Once you're happy to sign and return them back to me, if you can do so, that would be fantastic, and we'll get everything sorted for you. And I'll get those beneficiary nominations sent out to you ASAP as well. Okay.\n\nChannel 1: Okay. Those last ones that you about signing, is that what's that? Is that the\n\nChannel 0: That's\n\nChannel 1: one that\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: ongoing\n\nChannel 1: sent out this afternoon?\n\nChannel 0: yeah. Yeah. That's the\n\nChannel 1: Yeah.\n\nChannel 0: ongoing\n\nChannel 1: Yeah. I\n\nChannel 0: service\n\nChannel 1: get\n\nChannel 0: agreement. Yeah. Yeah.\n\nChannel 1: it. Mhmm. Okay. That that's cool. Sorry.\n\nMy brain is, yeah, waterlogged\n\nChannel 0: You're\n\nChannel 1: at the\n\nChannel 0: you\n\nChannel 1: moment.\n\nChannel 0: are you are absolutely fine. It sounds like you're ready for bed, and I've taken up way too much of your time. But I really appreciate you taking my call this afternoon. I hope you feel\n\nChannel 1: Not at\n\nChannel 0: better\n\nChannel 1: all.\n\nChannel 0: soon.\n\nChannel 1: It's amazing. Thank you.\n\nChannel 0: Thanks, David. Talk to you soon. Have a good afternoon.\n\nChannel 1: You too. Thanks.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.03563253954052925}],"sentiment":"neutral","sentiment_score":0.03563253954052925,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"Hi, Steven.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.1458708941936493},{"text":"It's Dana from Open Financial.","start":5.3599997,"end":6.98,"sentiment":"neutral","sentiment_score":0.21631766855716705},{"text":"How are you this afternoon?","start":7.12,"end":8.34,"sentiment":"neutral","sentiment_score":0.2627116024494171}],"sentiment":"neutral","sentiment_score":0.2239073452850183,"channel":0,"num_words":12,"start":4.72,"end":8.34},{"sentences":[{"text":"Good.","start":8.8,"end":9.12,"sentiment":"positive","sentiment_score":0.4948945641517639},{"text":"Yes.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.36629191040992737}],"sentiment":"positive","sentiment_score":0.43059323728084564,"channel":1,"num_words":2,"start":8.8,"end":9.62},{"sentences":[{"text":"Yeah.","start":10.16,"end":10.48,"sentiment":"positive","sentiment_score":0.4470762610435486},{"text":"I'm good.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.633167177438736},{"text":"Thank you.","start":10.88,"end":11.36,"sentiment":"positive","sentiment_score":0.6904037594795227},{"text":"I had people need to go through an annual review with you.","start":11.36,"end":13.92,"sentiment":"neutral","sentiment_score":0.19444780486325422},{"text":"Is now still a good time?","start":13.92,"end":15.38,"sentiment":"neutral","sentiment_score":0.12193665777643521}],"sentiment":"neutral","sentiment_score":0.2677918147781621,"channel":0,"num_words":23,"start":10.16,"end":15.38},{"sentences":[{"text":"Yeah.","start":15.805,"end":16.125,"sentiment":"neutral","sentiment_score":0.093820720911026},{"text":"That's fine.","start":16.125,"end":16.785,"sentiment":"neutral","sentiment_score":0.13975507020950317}],"sentiment":"neutral","sentiment_score":0.12444362044334412,"channel":1,"num_words":3,"start":15.805,"end":16.785},{"sentences":[{"text":"Are you are you sure?","start":17.485,"end":18.765,"sentiment":"neutral","sentiment_score":0.05521529093384743},{"text":"Are you okay?","start":18.765,"end":19.485,"sentiment":"neutral","sentiment_score":0.037576861679553986},{"text":"Sorry.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":-0.10515950620174408},{"text":"Feel like I woke you up.","start":20.525,"end":21.985,"sentiment":"neutral","sentiment_score":-0.19603454818328223}],"sentiment":"neutral","sentiment_score":-0.059503983706235886,"channel":0,"num_words":15,"start":17.485,"end":21.985},{"sentences":[{"text":"No.","start":22.605,"end":22.845001,"sentiment":"neutral","sentiment_score":-0.1918556243181229},{"text":"No.","start":22.845001,"end":23.165,"sentiment":"neutral","sentiment_score":-0.21552154421806335},{"text":"No.","start":23.165,"end":23.485,"sentiment":"neutral","sentiment_score":-0.2557670772075653},{"text":"I'm sick, but 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97¢.","start":252.30501,"end":259.925,"sentiment":"neutral","sentiment_score":0.07588724823047717},{"text":"So your balance sorry.","start":260.67,"end":262.27,"sentiment":"neutral","sentiment_score":0.08233863394707441}],"sentiment":"neutral","sentiment_score":0.16606166087748372,"channel":0,"num_words":35,"start":247.66501,"end":262.27},{"sentences":[{"text":"Yep.","start":262.27,"end":262.59,"sentiment":"neutral","sentiment_score":0.2417832612991333},{"text":"Your balance now, as on the document there, you've got 64,205 and 94¢ there.","start":262.59,"end":269.23,"sentiment":"neutral","sentiment_score":0.29575065122200894},{"text":"So it has definitely increased on the year for you.","start":269.23,"end":271.97,"sentiment":"positive","sentiment_score":0.6042512416839599}],"sentiment":"positive","sentiment_score":0.422043922667702,"channel":0,"num_words":25,"start":262.27,"end":271.97},{"sentences":[{"text":"That's good.","start":273.14,"end":273.88,"sentiment":"positive","sentiment_score":0.565082311630249}],"sentiment":"positive","sentiment_score":0.565082311630249,"channel":1,"num_words":2,"start":273.14,"end":273.88},{"sentences":[{"text":"Okay.","start":273.805,"end":274.305,"sentiment":"positive","sentiment_score":0.5619642734527588},{"text":"Excellent.","start":274.365,"end":274.865,"sentiment":"positive","sentiment_score":0.3710513412952423},{"text":"Within BT at the moment, that was as that originally is now owned by BT.","start":275.16498,"end":280.94498,"sentiment":"neutral","sentiment_score":0.0887999432782332},{"text":"The balance of the account's 2,640 and 27¢.","start":281.16498,"end":285.085,"sentiment":"neutral","sentiment_score":0.08395196976406234},{"text":"So very minimum balance there.","start":285.085,"end":287.18002,"sentiment":"neutral","sentiment_score":0.07217885181307793}],"sentiment":"neutral","sentiment_score":0.11081285556328707,"channel":0,"num_words":30,"start":273.805,"end":287.18002},{"sentences":[{"text":"I know we did provide that advice last year, and it looks like it kind of did expire there.","start":287.40002,"end":292.6,"sentiment":"neutral","sentiment_score":0.04544387483283093},{"text":"I did have a bit of a look at your file beforehand.","start":292.6,"end":294.68002,"sentiment":"neutral","sentiment_score":0.08327186821649472},{"text":"I would like to update that advice just to reconfirm things for you and get everything moving and consolidated.","start":294.68002,"end":299.98,"sentiment":"neutral","sentiment_score":0.18507656553073934},{"text":"But I","start":300.965,"end":301.285,"sentiment":"neutral","sentiment_score":0.016418825834989544}],"sentiment":"neutral","sentiment_score":0.10407670071491829,"channel":0,"num_words":52,"start":287.40002,"end":301.285},{"sentences":[{"text":"Mhmm.","start":301.24002,"end":301.74002,"sentiment":"neutral","sentiment_score":0.03308543562889099}],"sentiment":"neutral","sentiment_score":0.03308543562889099,"channel":1,"num_words":1,"start":301.24002,"end":301.74002},{"sentences":[{"text":"also found some things I'd like to change within your portfolio and have 24 as well.","start":301.285,"end":306.085,"sentiment":"neutral","sentiment_score":0.06638660887256265},{"text":"So, realistically, everything's been performing quite nicely.","start":306.085,"end":309.865,"sentiment":"neutral","sentiment_score":0.2620856612920761},{"text":"We have seen a lot of market ups and downs this year, and","start":310.085,"end":313.78003,"sentiment":"neutral","sentiment_score":-0.22439075547915238}],"sentiment":"neutral","sentiment_score":-0.000563734728429053,"channel":0,"num_words":36,"start":301.285,"end":313.78003},{"sentences":[{"text":"Yeah.","start":313.655,"end":314.155,"sentiment":"neutral","sentiment_score":-0.09687618911266328}],"sentiment":"neutral","sentiment_score":-0.09687618911266328,"channel":1,"num_words":1,"start":313.655,"end":314.155},{"sentences":[{"text":"probably, you know, have heard it all in the news of what's happening between The US and Iran.","start":313.78003,"end":318.52002,"sentiment":"neutral","sentiment_score":-0.10906566669129664}],"sentiment":"neutral","sentiment_score":-0.10906566669129664,"channel":0,"num_words":18,"start":313.78003,"end":318.52002},{"sentences":[{"text":"Mhmm.","start":318.39,"end":318.89,"sentiment":"neutral","sentiment_score":-0.01530991680920124}],"sentiment":"neutral","sentiment_score":-0.01530991680920124,"channel":1,"num_words":1,"start":318.39,"end":318.89},{"sentences":[{"text":"And here in Australia, we've also had high inflation rates, which does also have an effect on","start":319.06003,"end":324.76,"sentiment":"neutral","sentiment_score":-0.029158512459081763}],"sentiment":"neutral","sentiment_score":-0.029158512459081763,"channel":0,"num_words":17,"start":319.06003,"end":324.76},{"sentences":[{"text":"Mhmm.","start":324.4125,"end":324.9125,"sentiment":"neutral","sentiment_score":0.012085367925465109}],"sentiment":"neutral","sentiment_score":0.012085367925465109,"channel":1,"num_words":1,"start":324.4125,"end":324.9125},{"sentences":[{"text":"on, like, bonds and fixed interest investments as well.","start":325.54,"end":329.0,"sentiment":"neutral","sentiment_score":0.01242141467001703},{"text":"So having a look, most things are performing very, very nicely, but you did also have the Bennelong Australian Equities investment in your portfolio.","start":329.775,"end":337.07498,"sentiment":"neutral","sentiment_score":0.15387079678475857},{"text":"Now the idea that's been originally placed in your portfolio was that Bennelong is an active manager.","start":337.535,"end":342.675,"sentiment":"neutral","sentiment_score":0.05612436813466689},{"text":"Essentially, the investment manager within Bennelong is trying to outperform the market, and this year, it has not been able to do so.","start":343.455,"end":350.65,"sentiment":"neutral","sentiment_score":-0.06012360929794933},{"text":"And it hasn't necessarily been to do with the market.","start":350.65,"end":353.21,"sentiment":"neutral","sentiment_score":-0.10996925868093968}],"sentiment":"neutral","sentiment_score":0.027424945933632105,"channel":0,"num_words":83,"start":325.54,"end":353.21},{"sentences":[{"text":"So when an investment isn't performing well, we wanna compare that against the rest of the market.","start":353.21,"end":358.67,"sentiment":"neutral","sentiment_score":-0.11390857661471647},{"text":"And as a whole, as much as we're seeing ups and downs, the Australian market is actually performing quite well, and we're still fairly heavily overvalued at the moment.","start":359.055,"end":367.795,"sentiment":"neutral","sentiment_score":-0.08202394059505956},{"text":"But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back.","start":368.255,"end":377.3,"sentiment":"negative","sentiment_score":-0.39455411451704364},{"text":"Essentially, the main reason that Bennelong is down at the moment is that one of its underlying investors, Corporate Traveler, had been dishonest to the market, to its investors, and then it got found out when it had to report.","start":377.84,"end":389.915,"sentiment":"negative","sentiment_score":-0.4963886789977551},{"text":"So it has had a trading halt, and it's now been investigated there as well.","start":390.615,"end":395.51498,"sentiment":"negative","sentiment_score":-0.45183690985043845}],"sentiment":"neutral","sentiment_score":-0.3286154131922457,"channel":0,"num_words":135,"start":353.21,"end":395.51498},{"sentences":[{"text":"And then along can't remove that from its portfolio, but we can remove you from that alone.","start":395.655,"end":400.47,"sentiment":"neutral","sentiment_score":-0.28846658590961904},{"text":"So I would like to if you're comfortable with me updating the advice again for you, I'd like to remove that from your investment and just maybe reevaluate all your other investments within hub twenty four as well as the BT one.","start":400.63,"end":414.925,"sentiment":"neutral","sentiment_score":0.014133211979199024},{"text":"We'll be","start":415.305,"end":415.865,"sentiment":"neutral","sentiment_score":0.16759320348501205}],"sentiment":"neutral","sentiment_score":-0.06516640410437936,"channel":0,"num_words":61,"start":395.655,"end":415.865},{"sentences":[{"text":"Mhmm.","start":415.65,"end":416.15,"sentiment":"neutral","sentiment_score":0.14819808304309845}],"sentiment":"neutral","sentiment_score":0.14819808304309845,"channel":1,"num_words":1,"start":415.65,"end":416.15},{"sentences":[{"text":"consolidating everything for you and just updating everything as well and making sure it's working properly.","start":415.865,"end":421.545,"sentiment":"neutral","sentiment_score":0.25518730841577053},{"text":"Are you comfortable with me doing that this year for you?","start":421.545,"end":424.285,"sentiment":"neutral","sentiment_score":0.11076331206343391}],"sentiment":"neutral","sentiment_score":0.1963479024944482,"channel":0,"num_words":27,"start":415.865,"end":424.285},{"sentences":[{"text":"Yeah.","start":424.935,"end":425.435,"sentiment":"neutral","sentiment_score":0.18299353122711184},{"text":"That sounds good.","start":425.575,"end":426.635,"sentiment":"positive","sentiment_score":0.37315170963605243}],"sentiment":"neutral","sentiment_score":0.3256121650338173,"channel":1,"num_words":4,"start":424.935,"end":426.635},{"sentences":[{"text":"Yes.","start":427.225,"end":427.725,"sentiment":"neutral","sentiment_score":0.11019490659236908}],"sentiment":"neutral","sentiment_score":0.11019490659236908,"channel":0,"num_words":1,"start":427.225,"end":427.725},{"sentences":[{"text":"Just in regards to if if we do decide to sell down and then 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works.","start":441.71,"end":446.21,"sentiment":"neutral","sentiment_score":-0.22052693863709769}],"sentiment":"neutral","sentiment_score":-0.25169562038622406,"channel":1,"num_words":19,"start":436.43,"end":446.21},{"sentences":[{"text":"Yeah.","start":446.965,"end":447.285,"sentiment":"neutral","sentiment_score":-0.013162912800908089},{"text":"That's absolutely","start":447.285,"end":448.10498,"sentiment":"neutral","sentiment_score":0.007128855213522911}],"sentiment":"neutral","sentiment_score":0.00036493254204591114,"channel":0,"num_words":3,"start":446.965,"end":448.10498},{"sentences":[{"text":"So, 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gonna","start":448.355,"end":450.355,"sentiment":"neutral","sentiment_score":-0.07104290808950152}],"sentiment":"neutral","sentiment_score":-0.07104290808950152,"channel":1,"num_words":7,"start":448.355,"end":450.355},{"sentences":[{"text":"Yes.","start":450.245,"end":450.745,"sentiment":"neutral","sentiment_score":-0.013169482350349426}],"sentiment":"neutral","sentiment_score":-0.013169482350349426,"channel":0,"num_words":1,"start":450.245,"end":450.745},{"sentences":[{"text":"be capturing a loss.","start":450.355,"end":451.715,"sentiment":"neutral","sentiment_score":-0.10201083961874247},{"text":"So how 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work?","start":453.155,"end":454.295,"sentiment":"neutral","sentiment_score":0.03721245862543583}],"sentiment":"neutral","sentiment_score":0.03721245862543583,"channel":1,"num_words":5,"start":453.155,"end":454.295},{"sentences":[{"text":"Yeah.","start":454.93,"end":455.25,"sentiment":"neutral","sentiment_score":0.049025438725948334},{"text":"That is absolutely correct.","start":455.25,"end":456.61,"sentiment":"neutral","sentiment_score":0.1356852501630783},{"text":"So if we do to sell the investment while it is low, we are cementing a loss.","start":456.61,"end":461.66998,"sentiment":"neutral","sentiment_score":-0.27569230382933335},{"text":"Real at the moment, the loss in the portfolio, or earnings wise, it's showing $5,621.","start":461.81,"end":469.65,"sentiment":"neutral","sentiment_score":-0.2579676300287247},{"text":"So we would be cementing that, which means your balance would be expected to be minus that $5,621.","start":469.65,"end":476.60498,"sentiment":"neutral","sentiment_score":-0.22307289971245658}],"sentiment":"neutral","sentiment_score":-0.2178150794722817,"channel":0,"num_words":55,"start":454.93,"end":476.60498},{"sentences":[{"text":"But what I would like to do is make sure that we put you into an investment that can make that money back nice and quick because we absolutely will be selling the lot.","start":476.665,"end":485.32498,"sentiment":"neutral","sentiment_score":0.1710439612815047},{"text":"My biggest concern with not doing that at the moment is that Venlo continued to decrease, and it is, on most days, having a sell off.","start":485.96,"end":496.03998,"sentiment":"negative","sentiment_score":-0.6388190067731417},{"text":"So that loss could actually increase more.","start":496.03998,"end":498.69998,"sentiment":"negative","sentiment_score":-0.6890262705939156},{"text":"I would 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sense?","start":510.68503,"end":511.74503,"sentiment":"neutral","sentiment_score":-0.025418038479983807}],"sentiment":"neutral","sentiment_score":-0.1145244155727003,"channel":0,"num_words":46,"start":499.565,"end":511.74503},{"sentences":[{"text":"Mhmm.","start":511.715,"end":512.03503,"sentiment":"neutral","sentiment_score":0.018267061561346058},{"text":"Yeah.","start":512.03503,"end":512.275,"sentiment":"neutral","sentiment_score":0.08336515724658966},{"text":"Yeah.","start":512.275,"end":512.435,"sentiment":"neutral","sentiment_score":0.07746168971061707},{"text":"No.","start":512.435,"end":512.675,"sentiment":"neutral","sentiment_score":-0.0014949813485145569},{"text":"That makes sense.","start":512.675,"end":513.315,"sentiment":"neutral","sentiment_score":0.13835732142130533}],"sentiment":"neutral","sentiment_score":0.08466727020485061,"channel":1,"num_words":7,"start":511.715,"end":513.315},{"sentences":[{"text":"I'm I'm happy to","start":513.315,"end":514.115,"sentiment":"positive","sentiment_score":0.49508627504110336}],"sentiment":"positive","sentiment_score":0.49508627504110336,"channel":1,"num_words":4,"start":513.315,"end":514.115},{"sentences":[{"text":"Yep.","start":514.04504,"end":514.44,"sentiment":"positive","sentiment_score":0.3932361602783203}],"sentiment":"positive","sentiment_score":0.3932361602783203,"channel":0,"num_words":1,"start":514.04504,"end":514.44},{"sentences":[{"text":"do that.","start":514.115,"end":514.77,"sentiment":"positive","sentiment_score":0.40655776858329773},{"text":"That's fine because, I","start":515.25,"end":516.53,"sentiment":"positive","sentiment_score":0.3443153202533722}],"sentiment":"positive","sentiment_score":0.36506280303001404,"channel":1,"num_words":6,"start":514.115,"end":516.53},{"sentences":[{"text":"Yep.","start":516.52,"end":517.02,"sentiment":"neutral","sentiment_score":0.2166033387184143}],"sentiment":"neutral","sentiment_score":0.2166033387184143,"channel":0,"num_words":1,"start":516.52,"end":517.02},{"sentences":[{"text":"mean, nobody likes losing money.","start":516.53,"end":518.63,"sentiment":"neutral","sentiment_score":-0.09403586015105247}],"sentiment":"neutral","sentiment_score":-0.09403586015105247,"channel":1,"num_words":5,"start":516.53,"end":518.63},{"sentences":[{"text":"No.","start":519.4,"end":519.9,"sentiment":"neutral","sentiment_score":-0.16819147765636444},{"text":"Absolutely 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own entity, your super fund and the trust in the fund actually do a tax return every year just like you do.","start":538.71497,"end":549.67004,"sentiment":"neutral","sentiment_score":0.01357396349713609}],"sentiment":"neutral","sentiment_score":0.03258993991074108,"channel":0,"num_words":42,"start":536.875,"end":549.67004},{"sentences":[{"text":"Mhmm.","start":550.1,"end":550.6,"sentiment":"neutral","sentiment_score":0.025647979229688644}],"sentiment":"neutral","sentiment_score":0.025647979229688644,"channel":1,"num_words":1,"start":550.1,"end":550.6},{"sentences":[{"text":"Cementing that loss doesn't affect your personal tax return or income in any way, shape, or form.","start":550.13,"end":554.995,"sentiment":"neutral","sentiment_score":-0.08193341001649113},{"text":"It's just the loss that is realized by the super fund, and they will","start":555.135,"end":558.89496,"sentiment":"neutral","sentiment_score":0.048113899571555}],"sentiment":"neutral","sentiment_score":-0.023202366976728363,"channel":0,"num_words":31,"start":550.13,"end":558.89496},{"sentences":[{"text":"Okay.","start":558.66,"end":559.16,"sentiment":"neutral","sentiment_score":0.05330909788608551}],"sentiment":"neutral","sentiment_score":0.05330909788608551,"channel":1,"num_words":1,"start":558.66,"end":559.16},{"sentences":[{"text":"account for that as part of their normal tax process essentially.","start":558.89496,"end":561.935,"sentiment":"neutral","sentiment_score":0.08840862187472256},{"text":"But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well.","start":561.935,"end":579.3,"sentiment":"neutral","sentiment_score":0.2011001456218461},{"text":"So we can kind","start":579.3,"end":581.075,"sentiment":"neutral","sentiment_score":0.23750603571534157}],"sentiment":"neutral","sentiment_score":0.1837353329100306,"channel":0,"num_words":63,"start":558.89496,"end":581.075},{"sentences":[{"text":"Okay.","start":581.02,"end":581.52,"sentiment":"neutral","sentiment_score":0.1963665187358856}],"sentiment":"neutral","sentiment_score":0.1963665187358856,"channel":1,"num_words":1,"start":581.02,"end":581.52},{"sentences":[{"text":"of use that gain that loss to our advantage.","start":581.075,"end":583.415,"sentiment":"positive","sentiment_score":0.333490875032213},{"text":"There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to.","start":583.795,"end":590.51495,"sentiment":"neutral","sentiment_score":0.06725106134333393}],"sentiment":"neutral","sentiment_score":0.14454649112397625,"channel":0,"num_words":31,"start":581.075,"end":590.51495},{"sentences":[{"text":"Mhmm.","start":590.235,"end":590.735,"sentiment":"neutral","sentiment_score":0.03267799690365791}],"sentiment":"neutral","sentiment_score":0.03267799690365791,"channel":1,"num_words":1,"start":590.235,"end":590.735},{"sentences":[{"text":"There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon,","start":590.51495,"end":596.72003,"sentiment":"neutral","sentiment_score":-0.19956747483876017}],"sentiment":"neutral","sentiment_score":-0.19956747483876017,"channel":0,"num_words":18,"start":590.51495,"end":596.72003},{"sentences":[{"text":"Yep.","start":596.27246,"end":596.77246,"sentiment":"neutral","sentiment_score":0.057133372873067856}],"sentiment":"neutral","sentiment_score":0.057133372873067856,"channel":1,"num_words":1,"start":596.27246,"end":596.77246},{"sentences":[{"text":"but I can definitely see some areas that we could improve on moving forward for you.","start":597.34,"end":601.34,"sentiment":"neutral","sentiment_score":0.24417578952852637},{"text":"It's just that with this, even everything that's kinda going on globally, there has been some changes within the market, and it has sort of meant that it is worth updating people's portfolios now, making some changes, switching investments around, and looking at other ways to build additional gains for you as well.","start":601.34,"end":618.15497,"sentiment":"neutral","sentiment_score":0.09597704707170432},{"text":"Does that make 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fund.","start":623.31,"end":631.09,"sentiment":"neutral","sentiment_score":0.1422213981548945},{"text":"Did","start":631.79,"end":632.03,"sentiment":"neutral","sentiment_score":0.03139597922563553}],"sentiment":"neutral","sentiment_score":0.1543596212286502,"channel":0,"num_words":32,"start":622.03,"end":632.03},{"sentences":[{"text":"Yep.","start":631.94,"end":632.44,"sentiment":"neutral","sentiment_score":0.06341676414012909}],"sentiment":"neutral","sentiment_score":0.06341676414012909,"channel":1,"num_words":1,"start":631.94,"end":632.44},{"sentences":[{"text":"you want me to keep realistically, you are young.","start":632.03,"end":634.67,"sentiment":"neutral","sentiment_score":0.06488848105072975},{"text":"You've got a lot of time ahead of you before accessing CUPES.","start":634.67,"end":637.425,"sentiment":"neutral","sentiment_score":0.07027807366102934},{"text":"You can benefit from having some sort of active manager in your portfolio, but you do pay higher management fees to have active managers in your portfolio.","start":637.425,"end":646.005,"sentiment":"neutral","sentiment_score":0.12243566151570391},{"text":"Would you like me to continue having some sort of active management placed in there, or would you like me just to focus on maybe lower risk passive investments that might be cheaper, might save on fees, and can be, you know, compounded towards your retirement goals?","start":646.465,"end":662.655,"sentiment":"neutral","sentiment_score":0.11358811936162888},{"text":"What would you like","start":662.73505,"end":666.055,"sentiment":"neutral","sentiment_score":0.0063344743102788925}],"sentiment":"neutral","sentiment_score":0.10199066243990502,"channel":0,"num_words":99,"start":632.03,"end":666.055},{"sentences":[{"text":"Can 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fine.","start":672.815,"end":674.59503,"sentiment":"neutral","sentiment_score":0.2807788923382759}],"sentiment":"neutral","sentiment_score":0.23011628687381744,"channel":0,"num_words":5,"start":670.395,"end":674.59503},{"sentences":[{"text":"head.","start":674.525,"end":675.025,"sentiment":"neutral","sentiment_score":0.09409469366073608}],"sentiment":"neutral","sentiment_score":0.09409469366073608,"channel":1,"num_words":1,"start":674.525,"end":675.025},{"sentences":[{"text":"Do you want me to sort of focus on having maybe an active manager in there in investments that is trying to outperform against the market?","start":674.82996,"end":682.02997,"sentiment":"neutral","sentiment_score":0.05325485493701238},{"text":"You take a bit more risk and pay more fees for doing that, or did you want just a portfolio that's lower cost, is cheaper on 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you.","start":769.34,"end":775.295,"sentiment":"neutral","sentiment_score":0.16395495490481457},{"text":"Okay?","start":775.295,"end":775.795,"sentiment":"neutral","sentiment_score":0.09578961133956908}],"sentiment":"neutral","sentiment_score":0.17239595147279593,"channel":0,"num_words":52,"start":763.26,"end":775.795},{"sentences":[{"text":"Mhmm.","start":775.89996,"end":776.39996,"sentiment":"neutral","sentiment_score":0.09057644009590148}],"sentiment":"neutral","sentiment_score":0.09057644009590148,"channel":1,"num_words":1,"start":775.89996,"end":776.39996},{"sentences":[{"text":"Easy","start":776.255,"end":776.735,"sentiment":"neutral","sentiment_score":0.19640381634235385}],"sentiment":"neutral","sentiment_score":0.19640381634235385,"channel":0,"num_words":1,"start":776.255,"end":776.735},{"sentences":[{"text":"Temperature.","start":776.54,"end":777.04,"sentiment":"neutral","sentiment_score":0.2148626446723938}],"sentiment":"neutral","sentiment_score":0.2148626446723938,"channel":1,"num_words":1,"start":776.54,"end":777.04},{"sentences":[{"text":"done.","start":776.735,"end":777.235,"sentiment":"neutral","sentiment_score":0.16047464311122894},{"text":"The 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really apply, but the TPD size.","start":984.04504,"end":986.54504,"sentiment":"neutral","sentiment_score":-0.04005541419610381}],"sentiment":"neutral","sentiment_score":-0.04005541419610381,"channel":1,"num_words":8,"start":984.04504,"end":986.54504},{"sentences":[{"text":"Yeah.","start":986.98,"end":987.48,"sentiment":"neutral","sentiment_score":0.0004744837060570717}],"sentiment":"neutral","sentiment_score":0.0004744837060570717,"channel":0,"num_words":1,"start":986.98,"end":987.48},{"sentences":[{"text":"Is that any occupation, or is that my current occupation?","start":987.085,"end":991.585,"sentiment":"neutral","sentiment_score":-0.011100745480507612}],"sentiment":"neutral","sentiment_score":-0.011100745480507612,"channel":1,"num_words":10,"start":987.085,"end":991.585},{"sentences":[{"text":"So when you hold TBD inside super, they only give you an any occupation definition.","start":992.865,"end":998.485,"sentiment":"neutral","sentiment_score":-0.04337995164096355},{"text":"So 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super.","start":1008.3,"end":1014.8,"sentiment":"neutral","sentiment_score":-0.061485494886125834}],"sentiment":"neutral","sentiment_score":-0.061485494886125834,"channel":0,"num_words":21,"start":1008.3,"end":1014.8},{"sentences":[{"text":"Yep.","start":1015.485,"end":1015.985,"sentiment":"neutral","sentiment_score":0.013734431937336922}],"sentiment":"neutral","sentiment_score":0.013734431937336922,"channel":1,"num_words":1,"start":1015.485,"end":1015.985},{"sentences":[{"text":"And I just wanna double check whether that has the TBD side of it because I know you do have some income protection which is paid outside of super","start":1015.58,"end":1023.36005,"sentiment":"neutral","sentiment_score":-0.022292013826041387}],"sentiment":"neutral","sentiment_score":-0.022292013826041387,"channel":0,"num_words":29,"start":1015.58,"end":1023.36005},{"sentences":[{"text":"Mhmm.","start":1024.125,"end":1024.625,"sentiment":"neutral","sentiment_score":-0.02292841300368309}],"sentiment":"neutral","sentiment_score":-0.02292841300368309,"channel":1,"num_words":1,"start":1024.125,"end":1024.625},{"sentences":[{"text":"on a on a a monthly basis there as well.","start":1024.365,"end":1028.385,"sentiment":"neutral","sentiment_score":-0.009790059737861156},{"text":"But sorry.","start":1028.765,"end":1031.885,"sentiment":"neutral","sentiment_score":-0.07869792729616165},{"text":"Just going into the city of currency to double check because that summary doesn't have it.","start":1031.885,"end":1039.68,"sentiment":"neutral","sentiment_score":-0.09381428407505155},{"text":"Okay.","start":1045.8201,"end":1046.2201,"sentiment":"neutral","sentiment_score":-0.01233948953449726},{"text":"So with the city of currency, so the benefit paid outside of super to out of your pocket, that is that's the income protection part.","start":1046.2201,"end":1059.9651,"sentiment":"neutral","sentiment_score":-0.002300241142511368}],"sentiment":"neutral","sentiment_score":-0.033817972504982245,"channel":0,"num_words":54,"start":1024.365,"end":1059.9651},{"sentences":[{"text":"And, yeah, the TBD benefit is only paid inside super, and it's definitely in any occupation.","start":1060.905,"end":1067.25,"sentiment":"neutral","sentiment_score":0.018804279738105834},{"text":"Yeah.","start":1067.79,"end":1068.29,"sentiment":"neutral","sentiment_score":-0.05424843728542328},{"text":"It does mean it is a little bit hard to claim on an any occupation definition because if you were paying any of the, TPD outside of super, you would get access to the own definition, which means that you they would always assess the inside super portion first.","start":1068.43,"end":1083.665,"sentiment":"neutral","sentiment_score":-0.10507947495397256},{"text":"But if you didn't meet that criteria, they can then assess you with the own occupation, which essentially is that you're unable to get back to work in the occupation that you worked prior to the disability, essentially, which, as you can imagine, would be a much easier definition to claim TBD on.","start":1083.665,"end":1100.16,"sentiment":"neutral","sentiment_score":-0.10217799949196149}],"sentiment":"neutral","sentiment_score":-0.08670343031339786,"channel":0,"num_words":119,"start":1060.905,"end":1100.16},{"sentences":[{"text":"Yes.","start":1100.5299,"end":1101.0299,"sentiment":"neutral","sentiment_score":-0.0022302507422864437},{"text":"It would be.","start":1101.25,"end":1102.155,"sentiment":"neutral","sentiment_score":0.1731094866991043}],"sentiment":"neutral","sentiment_score":0.12927455233875662,"channel":1,"num_words":4,"start":1100.5299,"end":1102.155},{"sentences":[{"text":"Yeah.","start":1101.98,"end":1102.48,"sentiment":"neutral","sentiment_score":0.17579501867294312},{"text":"Yeah.","start":1102.62,"end":1102.9401,"sentiment":"neutral","sentiment_score":0.1563006043434143},{"text":"Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket?","start":1102.9401,"end":1107.6,"sentiment":"neutral","sentiment_score":0.1323771569877863},{"text":"Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds?","start":1107.66,"end":1116.295,"sentiment":"neutral","sentiment_score":0.07475847212804689}],"sentiment":"neutral","sentiment_score":0.1020023981679459,"channel":0,"num_words":49,"start":1101.98,"end":1116.295},{"sentences":[{"text":"Mhmm.","start":1116.875,"end":1117.375,"sentiment":"neutral","sentiment_score":0.01883525773882866},{"text":"Yeah.","start":1118.52,"end":1118.76,"sentiment":"neutral","sentiment_score":0.04887406527996063}],"sentiment":"neutral","sentiment_score":0.033854661509394646,"channel":1,"num_words":2,"start":1116.875,"end":1118.76},{"sentences":[{"text":"Yeah.","start":1118.755,"end":1119.255,"sentiment":"neutral","sentiment_score":0.06745199859142303}],"sentiment":"neutral","sentiment_score":0.06745199859142303,"channel":0,"num_words":1,"start":1118.755,"end":1119.255},{"sentences":[{"text":"I might actually look into that because, yeah, as you said, it would be easier, and I do know of somebody who has been caught out by that.","start":1118.76,"end":1126.06,"sentiment":"neutral","sentiment_score":0.053257155631269724}],"sentiment":"neutral","sentiment_score":0.053257155631269724,"channel":1,"num_words":28,"start":1118.76,"end":1126.06},{"sentences":[{"text":"Yep.","start":1126.74,"end":1127.24,"sentiment":"neutral","sentiment_score":0.14532724022865295},{"text":"Yep.","start":1127.2999,"end":1127.7,"sentiment":"neutral","sentiment_score":0.22129392623901367},{"text":"Absolutely.","start":1127.7,"end":1128.2,"sentiment":"positive","sentiment_score":0.48997944593429565},{"text":"I can add that into into the research for you to see if it's possible to 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leaks to things.","start":1134.9651,"end":1135.765,"sentiment":"neutral","sentiment_score":-0.2348872534930706},{"text":"Yeah.","start":1135.765,"end":1136.265,"sentiment":"neutral","sentiment_score":0.04376273229718208}],"sentiment":"neutral","sentiment_score":-0.17915725633502005,"channel":1,"num_words":5,"start":1134.9651,"end":1136.265},{"sentences":[{"text":"No.","start":1136.195,"end":1136.595,"sentiment":"neutral","sentiment_score":0.038646310567855835},{"text":"You are absolutely fine.","start":1136.595,"end":1137.875,"sentiment":"neutral","sentiment_score":0.29566460847854614},{"text":"Like, it's got it's your goal, so it's gotta be what you want it to be.","start":1137.875,"end":1141.815,"sentiment":"positive","sentiment_score":0.4881035480648279},{"text":"Even if I can't get that policy altered in that way, I can always look at adding a little bit of CBD outside of Super and just kind of, you know, giving you that option as well.","start":1142.515,"end":1153.68,"sentiment":"neutral","sentiment_score":0.14872431614108989},{"text":"So that's","start":1153.74,"end":1154.38,"sentiment":"neutral","sentiment_score":0.1787109598517418}],"sentiment":"neutral","sentiment_score":0.24818638550738495,"channel":0,"num_words":60,"start":1136.195,"end":1154.38},{"sentences":[{"text":"Yeah.","start":1154.33,"end":1154.83,"sentiment":"positive","sentiment_score":0.3646576404571533}],"sentiment":"positive","sentiment_score":0.3646576404571533,"channel":1,"num_words":1,"start":1154.33,"end":1154.83},{"sentences":[{"text":"absolutely fine.","start":1154.38,"end":1155.52,"sentiment":"positive","sentiment_score":0.45792002975940704},{"text":"One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you.","start":1156.78,"end":1168.175,"sentiment":"positive","sentiment_score":0.4481183458597232},{"text":"But I will absolutely have a look at that and see what we can do.","start":1168.875,"end":1172.655,"sentiment":"positive","sentiment_score":0.3763850569725037},{"text":"Perfect.","start":1172.875,"end":1173.375,"sentiment":"positive","sentiment_score":0.6252768039703369},{"text":"Now we've also got income protection.","start":1174.795,"end":1177.135,"sentiment":"neutral","sentiment_score":0.24335352331399918}],"sentiment":"positive","sentiment_score":0.4146607832776176,"channel":0,"num_words":63,"start":1154.38,"end":1177.135},{"sentences":[{"text":"That is essentially paid I think it's got a bit inside paper and a little bit outside paper.","start":1177.755,"end":1182.8799,"sentiment":"neutral","sentiment_score":0.14442581062515578},{"text":"I'm just opening that ticket currently up for you.","start":1182.8799,"end":1185.5399,"sentiment":"neutral","sentiment_score":0.3008439756102032},{"text":"The only downside to the BT and the Asgard policies is they're all individual.","start":1185.6799,"end":1191.94,"sentiment":"neutral","sentiment_score":-0.18341427402836935},{"text":"They're linked.","start":1192.0,"end":1192.74,"sentiment":"neutral","sentiment_score":-0.22894247621297836},{"text":"So it's a just it's a different document for each one.","start":1192.7999,"end":1195.755,"sentiment":"neutral","sentiment_score":-0.10342028466137973}],"sentiment":"neutral","sentiment_score":0.021184304660117184,"channel":0,"num_words":54,"start":1177.755,"end":1195.755},{"sentences":[{"text":"Just to make it hot.","start":1198.32,"end":1199.46,"sentiment":"neutral","sentiment_score":-0.019705158472061158}],"sentiment":"neutral","sentiment_score":-0.019705158472061158,"channel":1,"num_words":5,"start":1198.32,"end":1199.46},{"sentences":[{"text":"Yeah.","start":1201.355,"end":1201.595,"sentiment":"neutral","sentiment_score":0.014660842716693878},{"text":"So with your income protection policy, part of it is paid inside super and part of it paid outside of super.","start":1201.595,"end":1207.375,"sentiment":"neutral","sentiment_score":0.019160997299920945},{"text":"The outside of super portion is only a small amount.","start":1207.995,"end":1211.1599,"sentiment":"neutral","sentiment_score":0.0209668954834342},{"text":"You're paying about $42.49 on a a monthly basis at the moment there","start":1211.1599,"end":1216.38,"sentiment":"neutral","sentiment_score":0.04553935605172928}],"sentiment":"neutral","sentiment_score":0.027082719322707918,"channel":0,"num_words":45,"start":1201.355,"end":1216.38},{"sentences":[{"text":"Yep.","start":1216.945,"end":1217.445,"sentiment":"neutral","sentiment_score":0.056807368993759155}],"sentiment":"neutral","sentiment_score":0.056807368993759155,"channel":1,"num_words":1,"start":1216.945,"end":1217.445},{"sentences":[{"text":"with the amount you are covered for.","start":1217.1599,"end":1219.3999,"sentiment":"neutral","sentiment_score":0.08071829006075859},{"text":"So the monthly benefit covered is $4,889.","start":1219.3999,"end":1224.5399,"sentiment":"neutral","sentiment_score":0.12345595870699201},{"text":"That is a pretax amount.","start":1225.4249,"end":1226.7849,"sentiment":"neutral","sentiment_score":0.0463564807549119},{"text":"So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that.","start":1226.7849,"end":1233.985,"sentiment":"neutral","sentiment_score":-0.3243088362117608},{"text":"So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on.","start":1233.985,"end":1246.13,"sentiment":"neutral","sentiment_score":-0.1645735271629833}],"sentiment":"neutral","sentiment_score":-0.149663343661814,"channel":0,"num_words":64,"start":1217.1599,"end":1246.13},{"sentences":[{"text":"And, normally, they can't sort of cover you for more than 70 to 75% of your current income.","start":1246.4299,"end":1251.4099,"sentiment":"negative","sentiment_score":-0.3422068514757686},{"text":"I can","start":1252.005,"end":1252.405,"sentiment":"neutral","sentiment_score":0.0022536925971508026}],"sentiment":"neutral","sentiment_score":-0.3077607970684767,"channel":0,"num_words":20,"start":1246.4299,"end":1252.405},{"sentences":[{"text":"Mhmm.","start":1252.36,"end":1252.86,"sentiment":"neutral","sentiment_score":0.02977588400244713}],"sentiment":"neutral","sentiment_score":0.02977588400244713,"channel":1,"num_words":1,"start":1252.36,"end":1252.86},{"sentences":[{"text":"double check the amount of benefits.","start":1252.405,"end":1253.925,"sentiment":"neutral","sentiment_score":0.09769891947507858},{"text":"Do you want me to look at maybe increasing the income protection policy for you?","start":1253.925,"end":1257.765,"sentiment":"neutral","sentiment_score":0.13633179664611816},{"text":"Do you feel like that benefit's sufficient in the event you're not able to go to work?","start":1257.765,"end":1261.525,"sentiment":"neutral","sentiment_score":0.05341012228061171},{"text":"What's your thoughts there?","start":1261.525,"end":1262.8251,"sentiment":"neutral","sentiment_score":0.01995350979268551}],"sentiment":"neutral","sentiment_score":0.08616563296389013,"channel":0,"num_words":42,"start":1252.405,"end":1262.8251},{"sentences":[{"text":"Yeah.","start":1265.9249,"end":1266.245,"sentiment":"neutral","sentiment_score":0.21573913097381592},{"text":"We might look at increasing that as 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growth?","start":1287.5549,"end":1288.5349,"sentiment":"neutral","sentiment_score":-0.011029989458620548}],"sentiment":"neutral","sentiment_score":0.017700497347574968,"channel":0,"num_words":13,"start":1281.635,"end":1288.5349},{"sentences":[{"text":"No.","start":1288.215,"end":1288.715,"sentiment":"neutral","sentiment_score":-0.16293752193450928},{"text":"No.","start":1289.015,"end":1289.515,"sentiment":"neutral","sentiment_score":-0.1759617030620575}],"sentiment":"neutral","sentiment_score":-0.1694496124982834,"channel":1,"num_words":2,"start":1288.215,"end":1289.515},{"sentences":[{"text":"Nope.","start":1289.395,"end":1289.715,"sentiment":"neutral","sentiment_score":-0.18508395552635193},{"text":"That's okay.","start":1289.715,"end":1290.455,"sentiment":"neutral","sentiment_score":0.058623689226806164},{"text":"That's alright.","start":1290.835,"end":1291.575,"sentiment":"neutral","sentiment_score":0.1960499957203865},{"text":"The 2,300 take home net per fortnight.","start":1292.275,"end":1296.48,"sentiment":"neutral","sentiment_score":0.14898285908358438},{"text":"That gives us 26.","start":1297.5,"end":1301.12,"sentiment":"neutral","sentiment_score":0.11010277085006237}],"sentiment":"neutral","sentiment_score":0.11297215695958585,"channel":0,"num_words":16,"start":1289.395,"end":1301.12},{"sentences":[{"text":"About 59,800.","start":1301.6599,"end":1303.6599,"sentiment":"neutral","sentiment_score":0.09566060826182364},{"text":"Because I had you on about 70,000 last year, and that looks like it's pretty close to what you'd be on pretax.","start":1303.6599,"end":1311.6749,"sentiment":"neutral","sentiment_score":0.06159247767010873},{"text":"With the income protection side of things, they generally don't let you be covered for more than 70 percent.","start":1313.015,"end":1319.515,"sentiment":"neutral","sentiment_score":-0.23248448340516342},{"text":"Older policies can be 75, and I'll double check whether yours can be 75 or 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anything more than that doesn't really work out to your benefit because what happens is when you go to claim, they'll ask for your, like, payslip, your past tax returns, and things like that, and they'll look at what income you were on prior to you being off work and unable to go to work.","start":1326.93,"end":1344.8251,"sentiment":"neutral","sentiment_score":-0.16987739660237966},{"text":"And they essentially only pay out the maximum that you're able to be covered for based on that 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have a higher level of cover, it's right you're paying for it.","start":1351.95,"end":1356.03,"sentiment":"positive","sentiment_score":0.3371839632208531},{"text":"It's there, but there's no depending on what your income is, they may not actually pay that amount, which means you could be paying for cover that you can't actually claim on, which is pretty pointless.","start":1356.03,"end":1367.105,"sentiment":"negative","sentiment_score":-0.3512836986531814}],"sentiment":"neutral","sentiment_score":-0.16862901284986612,"channel":0,"num_words":49,"start":1351.95,"end":1367.105},{"sentences":[{"text":"Yeah.","start":1368.09,"end":1368.49,"sentiment":"neutral","sentiment_score":-0.04526445269584656},{"text":"There it is.","start":1368.49,"end":1369.39,"sentiment":"neutral","sentiment_score":-0.02761850506067276}],"sentiment":"neutral","sentiment_score":-0.03202999196946621,"channel":1,"num_words":4,"start":1368.09,"end":1369.39},{"sentences":[{"text":"Yeah.","start":1369.885,"end":1370.385,"sentiment":"neutral","sentiment_score":0.010597219690680504},{"text":"If I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis.","start":1372.045,"end":1387.3099,"sentiment":"neutral","sentiment_score":0.0025959427192330706},{"text":"So you're a bit over insured at the 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means it would be 4,375 as a monthly benefit amount.","start":1406.785,"end":1415.88,"sentiment":"neutral","sentiment_score":0.015069560380652547},{"text":"So at the moment, you're slightly over insured.","start":1415.88,"end":1418.06,"sentiment":"neutral","sentiment_score":-0.049557941034436226}],"sentiment":"neutral","sentiment_score":0.019097313044014675,"channel":0,"num_words":58,"start":1390.6699,"end":1418.06},{"sentences":[{"text":"If you're comfortable, I can go back and work out exactly what you would need based on the cover eligibility and just alter it to make sure you're not overpaying or not underinsured?","start":1419.0801,"end":1428.125,"sentiment":"neutral","sentiment_score":0.030264256126952892}],"sentiment":"neutral","sentiment_score":0.030264256126952892,"channel":0,"num_words":33,"start":1419.0801,"end":1428.125},{"sentences":[{"text":"Yeah.","start":1432.5549,"end":1432.875,"sentiment":"neutral","sentiment_score":0.003274178132414818},{"text":"I'll have to have a 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you.","start":1443.85,"end":1446.27,"sentiment":"neutral","sentiment_score":-0.1300011490072523}],"sentiment":"neutral","sentiment_score":-0.09922946599267778,"channel":1,"num_words":21,"start":1436.955,"end":1446.27},{"sentences":[{"text":"Yep.","start":1446.51,"end":1447.01,"sentiment":"neutral","sentiment_score":-0.14730390906333923}],"sentiment":"neutral","sentiment_score":-0.14730390906333923,"channel":0,"num_words":1,"start":1446.51,"end":1447.01},{"sentences":[{"text":"That's pretty sad.","start":1447.13,"end":1448.11,"sentiment":"negative","sentiment_score":-0.5859015186627706}],"sentiment":"negative","sentiment_score":-0.5859015186627706,"channel":1,"num_words":3,"start":1447.13,"end":1448.11},{"sentences":[{"text":"That's okay.","start":1447.7101,"end":1448.53,"sentiment":"neutral","sentiment_score":-0.30784323811531067},{"text":"That's alright.","start":1449.23,"end":1450.05,"sentiment":"neutral","sentiment_score":-0.0102434903383255},{"text":"If if I can get you just to double check, even just your group certificate or that they put into your MyGov account, I'll get my colleague, Samantha, to give you a call over the next few days just to sort of follow that one up.","start":1450.11,"end":1461.975,"sentiment":"neutral","sentiment_score":0.06063703892995482},{"text":"But if you can get an idea","start":1461.975,"end":1463.175,"sentiment":"neutral","sentiment_score":0.037397654461009164}],"sentiment":"neutral","sentiment_score":0.042366910791187956,"channel":0,"num_words":57,"start":1447.7101,"end":1463.175},{"sentences":[{"text":"Yep.","start":1462.915,"end":1463.415,"sentiment":"neutral","sentiment_score":0.04364240914583206}],"sentiment":"neutral","sentiment_score":0.04364240914583206,"channel":1,"num_words":1,"start":1462.915,"end":1463.415},{"sentences":[{"text":"of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way.","start":1463.175,"end":1473.88,"sentiment":"neutral","sentiment_score":0.029069132367639167},{"text":"Okay?","start":1473.88,"end":1474.38,"sentiment":"neutral","sentiment_score":0.0335148349404335}],"sentiment":"neutral","sentiment_score":0.029183124741300557,"channel":0,"num_words":39,"start":1463.175,"end":1474.38},{"sentences":[{"text":"Alright.","start":1475.47,"end":1475.97,"sentiment":"neutral","sentiment_score":0.07276145368814468},{"text":"Yep.","start":1477.95,"end":1478.35,"sentiment":"neutral","sentiment_score":0.06592962145805359},{"text":"Okay.","start":1478.35,"end":1478.75,"sentiment":"neutral","sentiment_score":0.08264407515525818},{"text":"I'll","start":1478.75,"end":1478.99,"sentiment":"neutral","sentiment_score":0.0683850347995758}],"sentiment":"neutral","sentiment_score":0.07243004627525806,"channel":1,"num_words":4,"start":1475.47,"end":1478.99},{"sentences":[{"text":"When","start":1478.92,"end":1479.16,"sentiment":"neutral","sentiment_score":0.04142126813530922}],"sentiment":"neutral","sentiment_score":0.04142126813530922,"channel":0,"num_words":1,"start":1478.92,"end":1479.16},{"sentences":[{"text":"continue.","start":1478.99,"end":1479.49,"sentiment":"neutral","sentiment_score":0.08115722984075546}],"sentiment":"neutral","sentiment_score":0.08115722984075546,"channel":1,"num_words":1,"start":1478.99,"end":1479.49},{"sentences":[{"text":"you're 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just fine in and out of.","start":1486.765,"end":1488.765,"sentiment":"neutral","sentiment_score":0.0951390771402253},{"text":"So","start":1488.765,"end":1488.9249,"sentiment":"neutral","sentiment_score":-0.07036256045103073}],"sentiment":"neutral","sentiment_score":0.0785889133810997,"channel":1,"num_words":10,"start":1486.765,"end":1488.9249},{"sentences":[{"text":"Oh, no.","start":1489.4751,"end":1490.615,"sentiment":"negative","sentiment_score":-0.3414582312107086},{"text":"They make","start":1491.235,"end":1491.7151,"sentiment":"negative","sentiment_score":-0.45510321855545044}],"sentiment":"negative","sentiment_score":-0.39828072488307953,"channel":0,"num_words":4,"start":1489.4751,"end":1491.7151},{"sentences":[{"text":"yeah.","start":1491.645,"end":1492.145,"sentiment":"negative","sentiment_score":-0.44323423504829407}],"sentiment":"negative","sentiment_score":-0.44323423504829407,"channel":1,"num_words":1,"start":1491.645,"end":1492.145},{"sentences":[{"text":"it hard, don't 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browser.","start":1502.29,"end":1503.03,"sentiment":"neutral","sentiment_score":-0.02677792403846979}],"sentiment":"neutral","sentiment_score":-0.02677792403846979,"channel":1,"num_words":2,"start":1502.29,"end":1503.03},{"sentences":[{"text":"there is one other type of insurance that we do also and can look at, and that is trauma.","start":1504.14,"end":1509.52,"sentiment":"neutral","sentiment_score":-0.03452849750848193},{"text":"Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions.","start":1510.275,"end":1521.0951,"sentiment":"neutral","sentiment_score":-0.09184354423515258},{"text":"You can't hold trauma inside of it.","start":1521.795,"end":1523.9551,"sentiment":"neutral","sentiment_score":-0.16296476977212088},{"text":"It is a a policy you can only hold out and pay for out of your back 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if you decide you wanna kind of alter that, come back and let me know.","start":1598.315,"end":1601.595,"sentiment":"neutral","sentiment_score":0.07434486816911136},{"text":"We can go back and alter the recommendation.","start":1601.595,"end":1603.375,"sentiment":"neutral","sentiment_score":0.08939169254153967},{"text":"It just sort of shows you what it is.","start":1603.4349,"end":1605.275,"sentiment":"neutral","sentiment_score":0.01181704095668263}],"sentiment":"neutral","sentiment_score":0.06728160391665167,"channel":0,"num_words":36,"start":1595.755,"end":1605.275},{"sentences":[{"text":"I think one of the big things with trauma is that it is an out of pocket cost.","start":1605.275,"end":1608.54,"sentiment":"neutral","sentiment_score":-0.1948133148252964},{"text":"So you are paying that premium every month the same as you are with your income protection outside of Duke at the 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you?","start":2018.6101,"end":2020.9501,"sentiment":"neutral","sentiment_score":-0.12364240549504757}],"sentiment":"neutral","sentiment_score":-0.12364240549504757,"channel":1,"num_words":8,"start":2018.6101,"end":2020.9501},{"sentences":[{"text":"I know.","start":2020.835,"end":2021.5549,"sentiment":"neutral","sentiment_score":-0.07884671166539192},{"text":"I know.","start":2021.5549,"end":2022.2949,"sentiment":"neutral","sentiment_score":-0.05879144184291363},{"text":"I get to be nosy for a living.","start":2022.355,"end":2023.955,"sentiment":"neutral","sentiment_score":-0.05134126637130976},{"text":"It's pretty cool.","start":2023.955,"end":2024.595,"sentiment":"positive","sentiment_score":0.8330742915471395},{"text":"I'm not gonna lie.","start":2024.595,"end":2025.6549,"sentiment":"positive","sentiment_score":0.40182121843099594}],"sentiment":"neutral","sentiment_score":0.1800263847567533,"channel":0,"num_words":19,"start":2020.835,"end":2025.6549},{"sentences":[{"text":"Oh, probably 60.","start":2027.4901,"end":2028.79,"sentiment":"neutral","sentiment_score":0.1516942779223124}],"sentiment":"neutral","sentiment_score":0.1516942779223124,"channel":1,"num_words":3,"start":2027.4901,"end":2028.79},{"sentences":[{"text":"60.","start":2029.71,"end":2030.21,"sentiment":"neutral","sentiment_score":0.18799063563346863},{"text":"Beautiful.","start":2030.43,"end":2030.93,"sentiment":"positive","sentiment_score":0.7280038595199585},{"text":"Excellent.","start":2032.43,"end":2032.93,"sentiment":"positive","sentiment_score":0.6931323409080505},{"text":"And do you have a loan on that vehicle or owned outright?","start":2033.71,"end":2036.61,"sentiment":"neutral","sentiment_score":0.1501295498261849}],"sentiment":"neutral","sentiment_score":0.22737876226504644,"channel":0,"num_words":15,"start":2029.71,"end":2036.61},{"sentences":[{"text":"Alright.","start":2037.3049,"end":2037.8049,"sentiment":"neutral","sentiment_score":0.13448581099510193}],"sentiment":"neutral","sentiment_score":0.13448581099510193,"channel":1,"num_words":1,"start":2037.3049,"end":2037.8049},{"sentences":[{"text":"Outright.","start":2038.51,"end":2039.01,"sentiment":"neutral","sentiment_score":0.20533065497875216},{"text":"Beautiful.","start":2039.15,"end":2039.65,"sentiment":"positive","sentiment_score":0.5530739426612854},{"text":"And then savings, we had you having about 3,000 in savings.","start":2040.35,"end":2044.125,"sentiment":"neutral","sentiment_score":0.11165526475418698},{"text":"Do you still have that or have a bit more in savings?","start":2044.125,"end":2046.545,"sentiment":"neutral","sentiment_score":0.07327469531446695}],"sentiment":"neutral","sentiment_score":0.11463635414838791,"channel":0,"num_words":25,"start":2038.51,"end":2046.545},{"sentences":[{"text":"It's about 9,000.","start":2047.28,"end":2048.6602,"sentiment":"neutral","sentiment_score":0.07598256071408589}],"sentiment":"neutral","sentiment_score":0.07598256071408589,"channel":1,"num_words":3,"start":2047.28,"end":2048.6602},{"sentences":[{"text":"Beautiful.","start":2049.405,"end":2049.905,"sentiment":"positive","sentiment_score":0.687720000743866},{"text":"Lovely.","start":2051.325,"end":2051.825,"sentiment":"positive","sentiment_score":0.6772847175598145},{"text":"And anything else that we need to note down value wise?","start":2052.045,"end":2054.605,"sentiment":"neutral","sentiment_score":0.21571964431892743},{"text":"Do you have any other shares, cryptocurrency, tools of trade, or any collections that are valued?","start":2054.605,"end":2061.03,"sentiment":"neutral","sentiment_score":0.09076734608970582}],"sentiment":"neutral","sentiment_score":0.1789723566636957,"channel":0,"num_words":29,"start":2049.405,"end":2061.03},{"sentences":[{"text":"Nice.","start":2064.415,"end":2064.915,"sentiment":"neutral","sentiment_score":0.3039306700229645}],"sentiment":"neutral","sentiment_score":0.3039306700229645,"channel":1,"num_words":1,"start":2064.415,"end":2064.915},{"sentences":[{"text":"Nope.","start":2065.73,"end":2065.97,"sentiment":"neutral","sentiment_score":0.07281066477298737},{"text":"That's okay.","start":2065.97,"end":2066.71,"sentiment":"neutral","sentiment_score":0.15765837579965591},{"text":"Beautiful.","start":2066.77,"end":2067.27,"sentiment":"positive","sentiment_score":0.5372331738471985},{"text":"And then the other thing to look at is the estate planning side of things.","start":2068.93,"end":2073.4548,"sentiment":"neutral","sentiment_score":0.11921911984682083}],"sentiment":"neutral","sentiment_score":0.14282354673272685,"channel":0,"num_words":19,"start":2065.73,"end":2073.4548},{"sentences":[{"text":"Mhmm.","start":2074.0,"end":2074.5,"sentiment":"neutral","sentiment_score":0.010945518501102924}],"sentiment":"neutral","sentiment_score":0.010945518501102924,"channel":1,"num_words":1,"start":2074.0,"end":2074.5},{"sentences":[{"text":"So just double checking.","start":2074.7148,"end":2076.255,"sentiment":"neutral","sentiment_score":0.0014567766338586807},{"text":"I don't have a beneficiary nomination, which is kind of really important.","start":2077.195,"end":2081.135,"sentiment":"neutral","sentiment_score":-0.039346971859534584},{"text":"I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination.","start":2081.9949,"end":2091.8801,"sentiment":"neutral","sentiment_score":0.02678467825587307},{"text":"I'm assuming you want everything to kinda go to your partner to make sure he is looked after and covered.","start":2092.1,"end":2096.52,"sentiment":"neutral","sentiment_score":-0.00236378014087677},{"text":"But without","start":2096.865,"end":2097.425,"sentiment":"neutral","sentiment_score":-0.03338468447327614}],"sentiment":"neutral","sentiment_score":0.0025695373275966354,"channel":0,"num_words":66,"start":2074.7148,"end":2097.425},{"sentences":[{"text":"Mhmm.","start":2097.215,"end":2097.48,"sentiment":"neutral","sentiment_score":-0.04738809913396835}],"sentiment":"neutral","sentiment_score":-0.04738809913396835,"channel":1,"num_words":1,"start":2097.215,"end":2097.48},{"sentences":[{"text":"a beneficiary nomination in place, it means that that the super has to go through what's basically a probate process where it has to kinda go to the estate without having a beneficiary nominated, goes to the court system.","start":2097.425,"end":2110.725,"sentiment":"neutral","sentiment_score":-0.015740483635081313},{"text":"People from your past and family can come forward and make a claim, which means it may not get directed to where you want it to go.","start":2111.27,"end":2117.91,"sentiment":"neutral","sentiment_score":0.018155512710412342},{"text":"So it is really important that we have that beneficiary nomination set up.","start":2117.91,"end":2122.25,"sentiment":"neutral","sentiment_score":0.16271758423401758},{"text":"I am gonna get the team to send one to you tomorrow or Monday.","start":2123.365,"end":2127.465,"sentiment":"neutral","sentiment_score":0.12291080291782107},{"text":"Is email or post easier for you?","start":2127.605,"end":2130.185,"sentiment":"neutral","sentiment_score":0.037002467417291234}],"sentiment":"neutral","sentiment_score":0.03971417089225724,"channel":0,"num_words":100,"start":2097.425,"end":2130.185},{"sentences":[{"text":"What would be best?","start":2130.645,"end":2131.7852,"sentiment":"neutral","sentiment_score":0.0258159046061337}],"sentiment":"neutral","sentiment_score":0.0258159046061337,"channel":0,"num_words":4,"start":2130.645,"end":2131.7852},{"sentences":[{"text":"Email email is fine.","start":2131.53,"end":2133.15,"sentiment":"neutral","sentiment_score":0.04038154426962137}],"sentiment":"neutral","sentiment_score":0.04038154426962137,"channel":1,"num_words":4,"start":2131.53,"end":2133.15},{"sentences":[{"text":"Email?","start":2133.205,"end":2133.705,"sentiment":"neutral","sentiment_score":0.07402154803276062},{"text":"Beautiful.","start":2133.845,"end":2134.345,"sentiment":"positive","sentiment_score":0.4985200762748718},{"text":"I'll get them to have that sent through.","start":2135.205,"end":2137.02,"sentiment":"positive","sentiment_score":0.39535679668188095},{"text":"If you can just fill it out, I'll send some directions on how to complete the nomination.","start":2137.02,"end":2140.56,"sentiment":"neutral","sentiment_score":0.26008880401358886},{"text":"And then once we get that back, we can have that applied.","start":2141.42,"end":2144.0,"sentiment":"neutral","sentiment_score":0.2173713520169258}],"sentiment":"neutral","sentiment_score":0.27603492026145643,"channel":0,"num_words":39,"start":2133.205,"end":2144.0},{"sentences":[{"text":"I just don't want that to be, you know, no beneficiary nomination applied right now.","start":2144.06,"end":2148.54,"sentiment":"negative","sentiment_score":-0.3539238383372625},{"text":"It's all gotta be looked after.","start":2148.54,"end":2149.82,"sentiment":"neutral","sentiment_score":-0.15843099479873976},{"text":"So it's all in the event something happens, I mean, I don't want anything to happen to you, Steven, but in the event that something was to occur, if you were to pass away right now, you know, it's not protected.","start":2149.82,"end":2159.305,"sentiment":"neutral","sentiment_score":-0.017324364403399024},{"text":"So we just","start":2160.005,"end":2160.4849,"sentiment":"neutral","sentiment_score":0.034423649311065674}],"sentiment":"neutral","sentiment_score":-0.10563802363780829,"channel":0,"num_words":65,"start":2144.06,"end":2160.4849},{"sentences":[{"text":"Yeah.","start":2160.3699,"end":2160.8699,"sentiment":"neutral","sentiment_score":0.06692904978990555}],"sentiment":"neutral","sentiment_score":0.06692904978990555,"channel":1,"num_words":1,"start":2160.3699,"end":2160.8699},{"sentences":[{"text":"wanna make sure that all your i's and d's and p's are crossed.","start":2160.4849,"end":2163.6848,"sentiment":"neutral","sentiment_score":0.07416330564480561},{"text":"Okay?","start":2163.6848,"end":2164.1848,"sentiment":"neutral","sentiment_score":0.059673503041267395}],"sentiment":"neutral","sentiment_score":0.07312831974455289,"channel":0,"num_words":14,"start":2160.4849,"end":2164.1848},{"sentences":[{"text":"Okay.","start":2164.8499,"end":2165.3499,"sentiment":"neutral","sentiment_score":0.05264274403452873}],"sentiment":"neutral","sentiment_score":0.05264274403452873,"channel":1,"num_words":1,"start":2164.8499,"end":2165.3499},{"sentences":[{"text":"Some other hard questions for you.","start":2166.58,"end":2168.74,"sentiment":"neutral","sentiment_score":0.04397519864141941},{"text":"When it comes to beneficiary nominations, you have three types of nominations you can choose from.","start":2168.74,"end":2173.7,"sentiment":"neutral","sentiment_score":0.05561278620734811},{"text":"One is a nonbinding nomination.","start":2173.7,"end":2176.12,"sentiment":"neutral","sentiment_score":0.08675215244293213},{"text":"That in my book is a pretty useful nomination.","start":2176.785,"end":2178.9648,"sentiment":"neutral","sentiment_score":0.22870922254191506},{"text":"You're ticking the box.","start":2179.1848,"end":2180.4849,"sentiment":"neutral","sentiment_score":0.1350949965417385}],"sentiment":"neutral","sentiment_score":0.10465448806062341,"channel":0,"num_words":40,"start":2166.58,"end":2180.4849},{"sentences":[{"text":"You're putting the nomination on file, but the trustee gets the ultimate decision.","start":2180.625,"end":2184.7048,"sentiment":"neutral","sentiment_score":0.09459862399559754},{"text":"He can choose whether or not to pay that nomination as per your wishes.","start":2184.7048,"end":2188.565,"sentiment":"neutral","sentiment_score":0.08690284751355648},{"text":"Me, personally, I would never tick that box.","start":2189.665,"end":2191.9248,"sentiment":"neutral","sentiment_score":0.06453851377591491},{"text":"You also have a binding lapsing nomination, which means you have to redo the beneficiary form every three years, or you can do a binding non lapsing, which means you fill the nomination format now, we have it applied, and you never have to fill another one out until things change or you wanna change that beneficiary.","start":2192.31,"end":2210.995,"sentiment":"neutral","sentiment_score":0.09608045298802226},{"text":"Which one would you like me to pick for you?","start":2211.615,"end":2213.795,"sentiment":"neutral","sentiment_score":0.07388133518397808}],"sentiment":"neutral","sentiment_score":0.08998165940683261,"channel":0,"num_words":102,"start":2180.625,"end":2213.795},{"sentences":[{"text":"That last one sounds good.","start":2214.32,"end":2215.84,"sentiment":"neutral","sentiment_score":0.31914509236812594},{"text":"We'll do it once","start":2215.84,"end":2216.6401,"sentiment":"neutral","sentiment_score":0.22160759940743446}],"sentiment":"neutral","sentiment_score":0.2757950954967075,"channel":1,"num_words":9,"start":2214.32,"end":2216.6401},{"sentences":[{"text":"Absolutely.","start":2216.495,"end":2216.995,"sentiment":"neutral","sentiment_score":0.21457913517951965}],"sentiment":"neutral","sentiment_score":0.21457913517951965,"channel":0,"num_words":1,"start":2216.495,"end":2216.995},{"sentences":[{"text":"once only, hopefully.","start":2216.6401,"end":2217.62,"sentiment":"neutral","sentiment_score":0.13783141722281775}],"sentiment":"neutral","sentiment_score":0.13783141722281775,"channel":1,"num_words":3,"start":2216.6401,"end":2217.62},{"sentences":[{"text":"Yeah.","start":2218.37,"end":2218.77,"sentiment":"neutral","sentiment_score":0.11796575039625168},{"text":"Absolutely.","start":2218.77,"end":2219.27,"sentiment":"neutral","sentiment_score":0.1371021866798401},{"text":"I know.","start":2221.09,"end":2221.83,"sentiment":"neutral","sentiment_score":0.0397457480430603},{"text":"I thought I sort of put it that way.","start":2222.21,"end":2223.49,"sentiment":"neutral","sentiment_score":-0.08361788425180647},{"text":"I'm like, look.","start":2223.49,"end":2224.21,"sentiment":"neutral","sentiment_score":-0.06427297616998355}],"sentiment":"neutral","sentiment_score":-0.03817627835087478,"channel":0,"num_words":16,"start":2218.37,"end":2224.21},{"sentences":[{"text":"The first two are pretty much a no go.","start":2224.21,"end":2226.87,"sentiment":"neutral","sentiment_score":-0.22854823370774588},{"text":"The third one's always the best one to do, and we check that nomination with you every year, so it's absolutely fine.","start":2227.25,"end":2233.475,"sentiment":"neutral","sentiment_score":0.15687973526391116},{"text":"Okay.","start":2234.0952,"end":2234.5952,"sentiment":"neutral","sentiment_score":0.06278300285339355}],"sentiment":"neutral","sentiment_score":0.045537596102803946,"channel":0,"num_words":32,"start":2224.21,"end":2234.5952},{"sentences":[{"text":"Okay.","start":2234.6099,"end":2235.01,"sentiment":"neutral","sentiment_score":0.06650499999523163},{"text":"I finally got into myGov.","start":2235.01,"end":2236.47,"sentiment":"neutral","sentiment_score":0.09210322797298431}],"sentiment":"neutral","sentiment_score":0.08783685664335887,"channel":1,"num_words":6,"start":2234.6099,"end":2236.47},{"sentences":[{"text":"X.","start":2236.0151,"end":2236.5151,"sentiment":"neutral","sentiment_score":0.08460289239883423},{"text":"Oh, fantastic.","start":2236.975,"end":2237.875,"sentiment":"positive","sentiment_score":0.4085286408662796}],"sentiment":"neutral","sentiment_score":0.30055339137713116,"channel":0,"num_words":3,"start":2236.0151,"end":2237.875},{"sentences":[{"text":"So the 2526 was 77 basically, 77,000.","start":2239.89,"end":2245.1099,"sentiment":"neutral","sentiment_score":0.15347767834152495}],"sentiment":"neutral","sentiment_score":0.15347767834152495,"channel":1,"num_words":7,"start":2239.89,"end":2245.1099},{"sentences":[{"text":"70","start":2245.695,"end":2246.0952,"sentiment":"neutral","sentiment_score":0.03785877674818039}],"sentiment":"neutral","sentiment_score":0.03785877674818039,"channel":0,"num_words":1,"start":2245.695,"end":2246.0952},{"sentences":[{"text":"Like,","start":2245.955,"end":2246.115,"sentiment":"neutral","sentiment_score":0.07389570772647858}],"sentiment":"neutral","sentiment_score":0.07389570772647858,"channel":1,"num_words":1,"start":2245.955,"end":2246.115},{"sentences":[{"text":"7,000.","start":2246.0952,"end":2246.915,"sentiment":"neutral","sentiment_score":0.06145744025707245}],"sentiment":"neutral","sentiment_score":0.06145744025707245,"channel":0,"num_words":1,"start":2246.0952,"end":2246.915},{"sentences":[{"text":"five well, it's about $80 shy of that.","start":2246.115,"end":2249.875,"sentiment":"neutral","sentiment_score":0.07793955784291029},{"text":"So","start":2249.875,"end":2250.375,"sentiment":"neutral","sentiment_score":0.09429779648780824}],"sentiment":"neutral","sentiment_score":0.07975713991456562,"channel":1,"num_words":9,"start":2246.115,"end":2250.375},{"sentences":[{"text":"Yep.","start":2251.1501,"end":2251.6501,"sentiment":"neutral","sentiment_score":0.11656567454338074},{"text":"That's okay.","start":2251.79,"end":2252.61,"sentiment":"neutral","sentiment_score":0.18730851262807846},{"text":"So I will base your income protection policy on 77,000 for you.","start":2252.83,"end":2257.97,"sentiment":"neutral","sentiment_score":0.16441238236924013},{"text":"Then there we go.","start":2259.07,"end":2260.27,"sentiment":"neutral","sentiment_score":0.10983635857701302},{"text":"Perfect.","start":2260.27,"end":2260.75,"sentiment":"positive","sentiment_score":0.4339476227760315}],"sentiment":"neutral","sentiment_score":0.16687121726572512,"channel":0,"num_words":20,"start":2251.1501,"end":2260.75},{"sentences":[{"text":"Easy.","start":2260.75,"end":2261.07,"sentiment":"positive","sentiment_score":0.35041072964668274},{"text":"Thank you for that.","start":2261.07,"end":2261.87,"sentiment":"neutral","sentiment_score":0.30835555493831635},{"text":"Sorry.","start":2261.87,"end":2262.1902,"sentiment":"neutral","sentiment_score":-0.21583880484104156},{"text":"It took me so long to get in 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work properly, and I was like, well, that was a waste of time.","start":2560.165,"end":2562.8052,"sentiment":"negative","sentiment_score":-0.6892498215039571},{"text":"So So we gotta get back to the drawing board and start again.","start":2562.8052,"end":2565.31,"sentiment":"negative","sentiment_score":-0.4439884813932272},{"text":"More 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it.","start":2602.905,"end":2608.425,"sentiment":"negative","sentiment_score":-0.3935101628303528},{"text":"That, unfortunately, would leave us with no one, but, I mean, yeah, better than that one.","start":2608.425,"end":2613.385,"sentiment":"negative","sentiment_score":-0.5005338881164789},{"text":"It's it's insane.","start":2613.385,"end":2614.845,"sentiment":"negative","sentiment_score":-0.6174856225649515},{"text":"The people who make decisions and get in there and then tell us they're not gonna make changes, and then they change everything anyway.","start":2614.985,"end":2620.86,"sentiment":"negative","sentiment_score":-0.47479963054259616}],"sentiment":"negative","sentiment_score":-0.4508164691783133,"channel":0,"num_words":63,"start":2601.4102,"end":2620.86},{"sentences":[{"text":"It's like, hang on a second.","start":2620.86,"end":2622.32,"sentiment":"negative","sentiment_score":-0.42394596338272095},{"text":"How do we trust anyone 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other.","start":2628.355,"end":2630.375,"sentiment":"negative","sentiment_score":-0.6189338224274772}],"sentiment":"negative","sentiment_score":-0.5778326213359832,"channel":1,"num_words":10,"start":2625.715,"end":2630.375},{"sentences":[{"text":"They are.","start":2630.8452,"end":2631.405,"sentiment":"negative","sentiment_score":-0.4042089134454727},{"text":"They absolutely are.","start":2631.405,"end":2632.8452,"sentiment":"neutral","sentiment_score":-0.26312877734502155},{"text":"No.","start":2632.8452,"end":2633.3452,"sentiment":"neutral","sentiment_score":-0.22551366686820984},{"text":"Understandable.","start":2633.645,"end":2634.145,"sentiment":"neutral","sentiment_score":-0.1225310042500496},{"text":"Well, I don't I do wanna let you go back and have a rest, but the last thing just to sort of double check is the profile side of things.","start":2635.0852,"end":2641.725,"sentiment":"neutral","sentiment_score":-0.0681409614160657}],"sentiment":"neutral","sentiment_score":-0.10783993709530379,"channel":0,"num_words":37,"start":2630.8452,"end":2641.725},{"sentences":[{"text":"So at the moment, you are in that growth portfolio.","start":2641.725,"end":2644.53,"sentiment":"neutral","sentiment_score":0.04949718751013279},{"text":"It's where you see 80% of your people invest in those growth assets.","start":2645.23,"end":2649.01,"sentiment":"neutral","sentiment_score":0.10191011428833008},{"text":"So, like, Australian shares, international shares, listed property, and commodities like gold and silver.","start":2649.0698,"end":2654.69,"sentiment":"neutral","sentiment_score":0.06322376696126801},{"text":"And then","start":2655.055,"end":2655.615,"sentiment":"neutral","sentiment_score":0.02450382336974144}],"sentiment":"neutral","sentiment_score":0.07061394218068856,"channel":0,"num_words":39,"start":2641.725,"end":2655.615},{"sentences":[{"text":"Mhmm.","start":2655.4448,"end":2655.9448,"sentiment":"neutral","sentiment_score":0.012787519954144956}],"sentiment":"neutral","sentiment_score":0.012787519954144956,"channel":1,"num_words":1,"start":2655.4448,"end":2655.9448},{"sentences":[{"text":"the other 20 in low risk defensive investments, the things like cash, loans, and fixed interest.","start":2655.615,"end":2660.995,"sentiment":"neutral","sentiment_score":0.025055567966774106},{"text":"A growth portfolio, you're looking to try and average about nine so seven to 9% on a yearly basis.","start":2661.215,"end":2666.835,"sentiment":"neutral","sentiment_score":0.0536160923932728},{"text":"It suits someone who's not accessing their money for about six years, which you have more than that time ahead of you, and we do expect the likelihood of a negative return to be about one in every sort of five years or so.","start":2667.5498,"end":2679.405,"sentiment":"neutral","sentiment_score":-0.16122427574274215},{"text":"When we sort of look at that, so your time horizon for your with your stage in life, you are suited to the growth environment.","start":2680.285,"end":2687.2651,"sentiment":"neutral","sentiment_score":0.046342064440250394}],"sentiment":"neutral","sentiment_score":-0.04342040075705601,"channel":0,"num_words":104,"start":2655.615,"end":2687.2651},{"sentences":[{"text":"Ready?","start":2687.4,"end":2687.9,"sentiment":"neutral","sentiment_score":0.06323331594467163}],"sentiment":"neutral","sentiment_score":0.06323331594467163,"channel":1,"num_words":1,"start":2687.4,"end":2687.9},{"sentences":[{"text":"But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are.","start":2687.965,"end":2693.825,"sentiment":"neutral","sentiment_score":0.0073901996947824955},{"text":"If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling?","start":2694.09,"end":2704.27,"sentiment":"neutral","sentiment_score":-0.19672142952266666},{"text":"Do you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime?","start":2704.33,"end":2711.805,"sentiment":"neutral","sentiment_score":0.03236934900283814},{"text":"Are you a bit nervous maybe calling us and seeing what we suggest to do, or are you feeling very concerned and maybe wanting to sell the investment down to to cash or fund a a lower risk portfolio?","start":2712.345,"end":2723.1301,"sentiment":"neutral","sentiment_score":-0.2991622621432329},{"text":"How do you think you might react?","start":2723.35,"end":2724.81,"sentiment":"neutral","sentiment_score":-0.15798149577208928}],"sentiment":"neutral","sentiment_score":-0.14403489800809904,"channel":0,"num_words":131,"start":2687.965,"end":2724.81},{"sentences":[{"text":"If it were to downturn like that, I think I would be I would prefer to be putting more into it to,","start":2726.28,"end":2731.525,"sentiment":"neutral","sentiment_score":-0.1927959822456945}],"sentiment":"neutral","sentiment_score":-0.1927959822456945,"channel":1,"num_words":22,"start":2726.28,"end":2731.525},{"sentences":[{"text":"Yep.","start":2731.9102,"end":2732.325,"sentiment":"neutral","sentiment_score":0.13487792015075684}],"sentiment":"neutral","sentiment_score":0.13487792015075684,"channel":0,"num_words":1,"start":2731.9102,"end":2732.325},{"sentences":[{"text":"yeah, reap the benefit of when it comes back.","start":2734.305,"end":2736.885,"sentiment":"neutral","sentiment_score":0.2756301462650299}],"sentiment":"neutral","sentiment_score":0.2756301462650299,"channel":1,"num_words":9,"start":2734.305,"end":2736.885},{"sentences":[{"text":"Absolutely.","start":2737.685,"end":2738.185,"sentiment":"positive","sentiment_score":0.3608167171478271}],"sentiment":"positive","sentiment_score":0.3608167171478271,"channel":0,"num_words":1,"start":2737.685,"end":2738.185},{"sentences":[{"text":"As long","start":2738.305,"end":2738.7048,"sentiment":"neutral","sentiment_score":0.2836857736110687}],"sentiment":"neutral","sentiment_score":0.2836857736110687,"channel":1,"num_words":2,"start":2738.305,"end":2738.7048},{"sentences":[{"text":"Perfect.","start":2738.645,"end":2739.145,"sentiment":"positive","sentiment_score":0.5281401872634888}],"sentiment":"positive","sentiment_score":0.5281401872634888,"channel":0,"num_words":1,"start":2738.645,"end":2739.145},{"sentences":[{"text":"as I've got time up my sleeve anyway.","start":2738.7048,"end":2740.405,"sentiment":"positive","sentiment_score":0.3676621541380882}],"sentiment":"positive","sentiment_score":0.3676621541380882,"channel":1,"num_words":8,"start":2738.7048,"end":2740.405},{"sentences":[{"text":"Yeah.","start":2741.045,"end":2741.525,"sentiment":"neutral","sentiment_score":0.2257162630558014},{"text":"Yeah.","start":2741.525,"end":2741.845,"sentiment":"neutral","sentiment_score":0.29557839035987854},{"text":"Absolutely.","start":2741.845,"end":2742.345,"sentiment":"positive","sentiment_score":0.5170618891716003},{"text":"Fantastic.","start":2742.885,"end":2743.385,"sentiment":"positive","sentiment_score":0.6688016057014465},{"text":"The next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds?","start":2744.4849,"end":2750.77,"sentiment":"neutral","sentiment_score":0.102189423273439}],"sentiment":"neutral","sentiment_score":0.15027832902140087,"channel":0,"num_words":27,"start":2741.045,"end":2750.77},{"sentences":[{"text":"Do you feel like you'd be comfortable if you have the right advice?","start":2750.77,"end":2753.91,"sentiment":"neutral","sentiment_score":0.07747293091737308},{"text":"Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it?","start":2754.21,"end":2760.925,"sentiment":"neutral","sentiment_score":-0.31383249299092725},{"text":"You would only ever borrow for, say, buying property.","start":2760.925,"end":2763.2449,"sentiment":"neutral","sentiment_score":-0.1461753331952625},{"text":"How do you think you feel?","start":2763.2449,"end":2764.545,"sentiment":"neutral","sentiment_score":-0.0842166393995285}],"sentiment":"neutral","sentiment_score":-0.15436089158058167,"channel":0,"num_words":50,"start":2750.77,"end":2764.545},{"sentences":[{"text":"I probably would with the right advice.","start":2766.275,"end":2768.375,"sentiment":"neutral","sentiment_score":-0.06501946066107069}],"sentiment":"neutral","sentiment_score":-0.06501946066107069,"channel":1,"num_words":7,"start":2766.275,"end":2768.375},{"sentences":[{"text":"Mhmm.","start":2769.165,"end":2769.665,"sentiment":"neutral","sentiment_score":0.02138242870569229},{"text":"Yep.","start":2769.7249,"end":2770.125,"sentiment":"neutral","sentiment_score":0.13375252485275269},{"text":"Perfect.","start":2770.125,"end":2770.625,"sentiment":"positive","sentiment_score":0.4902304112911224},{"text":"Lovely.","start":2772.045,"end":2772.545,"sentiment":"positive","sentiment_score":0.45284345746040344},{"text":"Have you ever owned investments like shares in your own name in the car?","start":2773.9302,"end":2777.79,"sentiment":"neutral","sentiment_score":0.07564031066639083}],"sentiment":"neutral","sentiment_score":0.11984295397996902,"channel":0,"num_words":18,"start":2769.165,"end":2777.79},{"sentences":[{"text":"No.","start":2778.29,"end":2778.79,"sentiment":"neutral","sentiment_score":-0.0611063651740551}],"sentiment":"neutral","sentiment_score":-0.0611063651740551,"channel":1,"num_words":1,"start":2778.29,"end":2778.79},{"sentences":[{"text":"No.","start":2779.37,"end":2779.61,"sentiment":"neutral","sentiment_score":-0.0429411381483078},{"text":"That's okay.","start":2779.61,"end":2780.35,"sentiment":"neutral","sentiment_score":0.059636812657117844},{"text":"Beautiful.","start":2780.4102,"end":2780.9102,"sentiment":"positive","sentiment_score":0.5278163552284241},{"text":"The other one I've ticked off here is that you're looking to try and get the best return you possibly can, say 8% and above on a yearly basis.","start":2781.77,"end":2788.27,"sentiment":"neutral","sentiment_score":0.1617377495457386},{"text":"That sounds about right.","start":2788.865,"end":2789.7449,"sentiment":"neutral","sentiment_score":0.264674287289381}],"sentiment":"neutral","sentiment_score":0.1717092088750891,"channel":0,"num_words":37,"start":2779.37,"end":2789.7449},{"sentences":[{"text":"You're happy for me to tick 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portfolio, if you think of risk out of another between one and five, one being all in cash, not taking much risk in the market, five being the highest level of risk, all in equities, you're sitting at about a three.","start":2795.905,"end":2811.08,"sentiment":"neutral","sentiment_score":0.02997711881995201}],"sentiment":"neutral","sentiment_score":0.05161559733527678,"channel":0,"num_words":54,"start":2792.9448,"end":2811.08},{"sentences":[{"text":"So you are kinda middle of the range.","start":2811.2202,"end":2812.98,"sentiment":"neutral","sentiment_score":0.08172890916466713},{"text":"Do you feel like that's fairly comfortable for where you are?","start":2812.98,"end":2815.78,"sentiment":"neutral","sentiment_score":0.0686962099915201},{"text":"You sort of scored in that range so that growth portfolio does suit you, but just making sure you're fairly comfortable in that range.","start":2815.78,"end":2823.025,"sentiment":"neutral","sentiment_score":0.037601552826041974}],"sentiment":"neutral","sentiment_score":0.05376574072207129,"channel":0,"num_words":43,"start":2811.2202,"end":2823.025},{"sentences":[{"text":"Yeah.","start":2824.095,"end":2824.595,"sentiment":"neutral","sentiment_score":0.0947306752204895}],"sentiment":"neutral","sentiment_score":0.0947306752204895,"channel":1,"num_words":1,"start":2824.095,"end":2824.595},{"sentences":[{"text":"Yep.","start":2825.165,"end":2825.665,"sentiment":"neutral","sentiment_score":0.14129476249217987},{"text":"Beautiful.","start":2826.285,"end":2826.785,"sentiment":"positive","sentiment_score":0.38177669048309326},{"text":"Excellent.","start":2828.9248,"end":2829.4248,"sentiment":"positive","sentiment_score":0.45884621143341064},{"text":"Lovely.","start":2829.565,"end":2830.045,"sentiment":"positive","sentiment_score":0.41115590929985046},{"text":"Well, what I'll do is I'll reassess the insurances.","start":2830.045,"end":2832.4648,"sentiment":"neutral","sentiment_score":0.11461621605687672}],"sentiment":"neutral","sentiment_score":0.18650919370926344,"channel":0,"num_words":13,"start":2825.165,"end":2832.4648},{"sentences":[{"text":"I'll go back and see what I can find for you.","start":2832.605,"end":2834.2048,"sentiment":"neutral","sentiment_score":0.14194294674830002},{"text":"We'll update the advice to reflect.","start":2834.2048,"end":2835.825,"sentiment":"neutral","sentiment_score":0.11218707511822383},{"text":"I will also just go back and look at the super, the investments, how everything's performing between your BP super, your old Asgard super, and also hub.","start":2836.65,"end":2845.6099,"sentiment":"neutral","sentiment_score":0.10701399351711627},{"text":"Look at consolidating everything over and look at what we can do to get that sorted for you.","start":2845.6099,"end":2849.8499,"sentiment":"neutral","sentiment_score":0.14971587020489904},{"text":"I'll update the advice.","start":2849.8499,"end":2851.0698,"sentiment":"neutral","sentiment_score":0.06980644538998604}],"sentiment":"neutral","sentiment_score":0.12269672932046832,"channel":0,"num_words":66,"start":2832.605,"end":2851.0698},{"sentences":[{"text":"It takes about four weeks for me to complete that now for you.","start":2851.9949,"end":2855.355,"sentiment":"neutral","sentiment_score":0.07402239825863105},{"text":"Am I okay to book you in now for, say, in four weeks to go through that with you, Steven?","start":2855.355,"end":2860.7349,"sentiment":"neutral","sentiment_score":0.06851359531283378}],"sentiment":"neutral","sentiment_score":0.0706837298066327,"channel":0,"num_words":33,"start":2851.9949,"end":2860.7349},{"sentences":[{"text":"Yeah.","start":2861.17,"end":2861.49,"sentiment":"neutral","sentiment_score":0.04726465791463852},{"text":"Yeah.","start":2861.49,"end":2861.65,"sentiment":"neutral","sentiment_score":0.05777433514595032},{"text":"That's fine.","start":2861.65,"end":2862.39,"sentiment":"neutral","sentiment_score":0.10932312533259392}],"sentiment":"neutral","sentiment_score":0.08092131093144417,"channel":1,"num_words":4,"start":2861.17,"end":2862.39},{"sentences":[{"text":"Yeah.","start":2862.795,"end":2863.1948,"sentiment":"neutral","sentiment_score":0.136806458234787},{"text":"Beautiful.","start":2863.1948,"end":2863.6948,"sentiment":"neutral","sentiment_score":0.21438732743263245},{"text":"So that brings us up until oh, that's the August 27.","start":2864.075,"end":2870.48,"sentiment":"neutral","sentiment_score":0.05301479554989121},{"text":"Is what day normally suits you better through the week to go through this?","start":2871.2598,"end":2875.7598,"sentiment":"neutral","sentiment_score":0.03441310540906021},{"text":"Monday to Thursday?","start":2875.9,"end":2876.96,"sentiment":"neutral","sentiment_score":-0.0050593363121151915}],"sentiment":"neutral","sentiment_score":0.046698733450224,"channel":0,"num_words":30,"start":2862.795,"end":2876.96},{"sentences":[{"text":"Yeah.","start":2884.35,"end":2884.85,"sentiment":"neutral","sentiment_score":-0.0013753408566117289},{"text":"Either a Monday or a Thursday is probably the better sorry.","start":2888.83,"end":2891.87,"sentiment":"neutral","sentiment_score":-0.013839729638262228},{"text":"Monday or Wednesday is probably the better oh, actually, no.","start":2891.87,"end":2894.51,"sentiment":"neutral","sentiment_score":-0.07576699126511813},{"text":"Let's go Monday or Thursday is probably the better day.","start":2894.51,"end":2897.09,"sentiment":"neutral","sentiment_score":0.0018197573721408845}],"sentiment":"neutral","sentiment_score":-0.027908897056477144,"channel":1,"num_words":32,"start":2884.35,"end":2897.09},{"sentences":[{"text":"Yeah.","start":2897.4202,"end":2897.82,"sentiment":"neutral","sentiment_score":0.21633154153823853},{"text":"Absolutely.","start":2897.82,"end":2898.32,"sentiment":"neutral","sentiment_score":0.32312673330307007},{"text":"And is it sort of afternoon after, say, three, four, or","start":2898.78,"end":2901.9001,"sentiment":"neutral","sentiment_score":0.12787456539544192}],"sentiment":"neutral","sentiment_score":0.14969834570701307,"channel":0,"num_words":13,"start":2897.4202,"end":2901.9001},{"sentences":[{"text":"Yeah.","start":2901.825,"end":2902.325,"sentiment":"neutral","sentiment_score":0.1086382418870926}],"sentiment":"neutral","sentiment_score":0.1086382418870926,"channel":1,"num_words":1,"start":2901.825,"end":2902.325},{"sentences":[{"text":"05:00 that works better for you?","start":2901.9001,"end":2903.895,"sentiment":"neutral","sentiment_score":0.1629530737797419}],"sentiment":"neutral","sentiment_score":0.1629530737797419,"channel":0,"num_words":6,"start":2901.9001,"end":2903.895},{"sentences":[{"text":"Yeah.","start":2904.1448,"end":2904.6448,"sentiment":"neutral","sentiment_score":0.13406437635421753}],"sentiment":"neutral","sentiment_score":0.13406437635421753,"channel":1,"num_words":1,"start":2904.1448,"end":2904.6448},{"sentences":[{"text":"Yep.","start":2905.175,"end":2905.575,"sentiment":"neutral","sentiment_score":0.21620289981365204},{"text":"Beautiful.","start":2905.575,"end":2905.975,"sentiment":"positive","sentiment_score":0.46641165018081665},{"text":"What if I put you in for Monday, August 24?","start":2905.975,"end":2909.035,"sentiment":"neutral","sentiment_score":0.11459998115897178},{"text":"I can book it out for, say, four or 05:00.","start":2909.655,"end":2912.535,"sentiment":"neutral","sentiment_score":0.09776696264743805},{"text":"What would you prefer?","start":2912.535,"end":2913.595,"sentiment":"neutral","sentiment_score":0.05580826662480831}],"sentiment":"neutral","sentiment_score":0.11651988671376155,"channel":0,"num_words":26,"start":2905.175,"end":2913.595},{"sentences":[{"text":"Probably five would be better.","start":2915.56,"end":2917.1,"sentiment":"neutral","sentiment_score":0.05573316812515259}],"sentiment":"neutral","sentiment_score":0.05573316812515259,"channel":1,"num_words":5,"start":2915.56,"end":2917.1},{"sentences":[{"text":"Yep.","start":2917.575,"end":2917.895,"sentiment":"neutral","sentiment_score":0.3134585916996002},{"text":"Perfect.","start":2917.895,"end":2918.395,"sentiment":"positive","sentiment_score":0.7362576723098755},{"text":"Easy done.","start":2918.7,"end":2919.42,"sentiment":"positive","sentiment_score":0.7675704956054688},{"text":"I'll book that out there for 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at","start":3079.715,"end":3080.115,"sentiment":"neutral","sentiment_score":-0.2098039910197258}],"sentiment":"neutral","sentiment_score":-0.2098039910197258,"channel":1,"num_words":2,"start":3079.715,"end":3080.115},{"sentences":[{"text":"better","start":3080.023,"end":3080.263,"sentiment":"neutral","sentiment_score":-0.2841169238090515}],"sentiment":"neutral","sentiment_score":-0.2841169238090515,"channel":0,"num_words":1,"start":3080.023,"end":3080.263},{"sentences":[{"text":"all.","start":3080.115,"end":3080.615,"sentiment":"neutral","sentiment_score":-0.098060742020607}],"sentiment":"neutral","sentiment_score":-0.098060742020607,"channel":1,"num_words":1,"start":3080.115,"end":3080.615},{"sentences":[{"text":"soon.","start":3080.263,"end":3080.763,"sentiment":"neutral","sentiment_score":0.028889086097478867}],"sentiment":"neutral","sentiment_score":0.028889086097478867,"channel":0,"num_words":1,"start":3080.263,"end":3080.763},{"sentences":[{"text":"It's amazing.","start":3081.813,"end":3082.453,"sentiment":"positive","sentiment_score":0.6003097593784332},{"text":"Thank you.","start":3082.453,"end":3083.273,"sentiment":"positive","sentiment_score":0.5873679220676422}],"sentiment":"positive","sentiment_score":0.5938388407230377,"channel":1,"num_words":4,"start":3081.813,"end":3083.273},{"sentences":[{"text":"Thanks, David.","start":3083.5427,"end":3084.3428,"sentiment":"positive","sentiment_score":0.47360046207904816},{"text":"Talk to you soon.","start":3084.3428,"end":3085.1428,"sentiment":"positive","sentiment_score":0.4044850766658783},{"text":"Have a good afternoon.","start":3085.1428,"end":3086.203,"sentiment":"positive","sentiment_score":0.4340097978711128}],"sentiment":"positive","sentiment_score":0.43011804223060607,"channel":0,"num_words":10,"start":3083.5427,"end":3086.203},{"sentences":[{"text":"You too.","start":3086.613,"end":3087.173,"sentiment":"neutral","sentiment_score":0.2549518346786499},{"text":"Thanks.","start":3087.173,"end":3087.673,"sentiment":"positive","sentiment_score":0.3686819076538086}],"sentiment":"neutral","sentiment_score":0.2928618590037028,"channel":1,"num_words":3,"start":3086.613,"end":3087.673},{"sentences":[{"text":"Thanks.","start":3087.8628,"end":3088.3628,"sentiment":"positive","sentiment_score":0.34962403774261475},{"text":"Bye.","start":3088.4229,"end":3088.9229,"sentiment":"neutral","sentiment_score":0.20823979377746585}],"sentiment":"neutral","sentiment_score":0.2789319157600403,"channel":0,"num_words":2,"start":3087.8628,"end":3088.9229},{"sentences":[{"text":"Bye.","start":3089.173,"end":3089.673,"sentiment":"neutral","sentiment_score":-0.04362611845135689}],"sentiment":"neutral","sentiment_score":-0.04362611845135689,"channel":1,"num_words":1,"start":3089.173,"end":3089.673}]},"summary":{"result":"success","short":" Open Financial discusses their annual review and annual review documents with Steven, as well as updating his financial information and portfolio. They also discuss the impact of the Australian market on his portfolio and offer to reassess his portfolio and make changes to his investment portfolio. The agent suggests adding a life cover and reducing fees to maintain a stable investment portfolio. They also discuss the benefits of the insurance policy and the importance of maintaining a positive profile. The agent provides instructions for updating the customer's investment advice and offers to book a meeting for the following week."},"intents":{"segments":[{"text":"I had people need to go through an annual review with you. Is now still a good time? Yeah.","start_word":20,"end_word":38,"intents":[{"intent":"Go through annual review","confidence_score":0.036407866}]},{"text":"Before I jump in the call and go through things and discuss your personal information, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yeah.","start_word":291,"end_word":332,"intents":[{"intent":"Discuss personal information","confidence_score":0.5298247}]},{"text":"And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file.","start_word":336,"end_word":362,"intents":[{"intent":"Verify identity","confidence_score":0.16847},{"intent":"Confirm identity","confidence_score":0.04964652}]},{"text":"And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file. Steven Charles Brown, 17 Byron Yep. Drive, Jimboom, Queensland 4280, 05/02/1986. Fantastic.","start_word":336,"end_word":374,"intents":[{"intent":"Provide information","confidence_score":0.12702516}]},{"text":"If it doesn't look well, just double check your junk mail because sometimes I get directed through the junk section. Oh, excellent.","start_word":398,"end_word":419,"intents":[{"intent":"Check junk mail","confidence_score":0.2826751}]},{"text":"We've also attached this year a tax file opt in form, so we just have to validate the reasoning behind why we hold your tax phone number.","start_word":508,"end_word":534,"intents":[{"intent":"Validate intents","confidence_score":0.00035826594}]},{"text":"We just wanna make sure you're aware that we do hold that sensitive information on you, and that document outlines how and why and what security measures we take in order to keep that safe. Okay?","start_word":574,"end_word":609,"intents":[{"intent":"Clarify security measures","confidence_score":0.004775547}]},{"text":"Now with the DocuSign the the Otusign there, sorry, if you're on the front page, if you scroll down just underneath the the wording that we've typed in there, you should have a couple of attachments. Can you see those there at all?","start_word":612,"end_word":654,"intents":[{"intent":"Confirm attachments","confidence_score":0.043285}]},{"text":"The main one that we're looking at is the superannuation and insurances. So the summary of superannuation and insurances, it should stay there. Yep.","start_word":664,"end_word":687,"intents":[{"intent":"Provide summary","confidence_score":0.16728121}]},{"text":"I know we did provide that advice last year, and it looks like it kind of did expire there. I did have a bit of a look at your file beforehand. I would like to update that advice just to reconfirm things for you and get everything moving and consolidated. But I Mhmm.","start_word":805,"end_word":857,"intents":[{"intent":"Update advice","confidence_score":0.078412406}]},{"text":"So when an investment isn't performing well, we wanna compare that against the rest of the market.","start_word":1015,"end_word":1031,"intents":[{"intent":"Compare performance","confidence_score":0.35175064}]},{"text":"But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back.","start_word":1061,"end_word":1094,"intents":[{"intent":"Remove benelong from portfolio","confidence_score":0.00365688}]},{"text":"But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well. So we can kind Okay. of use that gain that loss to our advantage. There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to.","start_word":1626,"end_word":1709,"intents":[{"intent":"Consider strategy","confidence_score":0.00016851642}]},{"text":"There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to.","start_word":1688,"end_word":1709,"intents":[{"intent":"Discuss portfolio rebalance","confidence_score":0.0014652504}]},{"text":"There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon, Yep. but I can definitely see some areas that we could improve on moving forward for you.","start_word":1711,"end_word":1745,"intents":[{"intent":"Reflect on performance","confidence_score":0.00010738795},{"intent":"Discuss potential improvement","confidence_score":0.005878216}]},{"text":"Can you can you give me a comparison between some some of them in in this year's review for me to look at? Would you like me to?","start_word":2038,"end_word":2065,"intents":[{"intent":"Provide portfolio comparison","confidence_score":0.017909212}]},{"text":"you'll be advising you understand these things. I don't.","start_word":2239,"end_word":2247,"intents":[{"intent":"Consult insurance","confidence_score":0.0029508816}]},{"text":"And then the current house that we're in, the owners decide that he wants to sell that one, and it's now hit us up and see if we're in a position to buy. I'm like, we you know, I think that's, like, four months ago. Yeah.","start_word":2593,"end_word":2638,"intents":[{"intent":"Propose selling","confidence_score":0.000003185807}]},{"text":"Does that still sound appropriate goal wise for TBD?","start_word":2860,"end_word":2868,"intents":[{"intent":"Confirm tbd goals","confidence_score":0.000516362}]},{"text":"Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket? Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds?","start_word":3199,"end_word":3245,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.0017050537}]},{"text":"One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you. But I will absolutely have a look at that and see what we can do. Perfect.","start_word":3375,"end_word":3429,"intents":[{"intent":"Explain benefits","confidence_score":0.055762213}]},{"text":"Now we've also got income protection. That is essentially paid I think it's got a bit inside paper and a little bit outside paper.","start_word":3430,"end_word":3453,"intents":[{"intent":"Discuss income protection","confidence_score":0.0014700196}]},{"text":"The only downside to the BT and the Asgard policies is they're all individual. They're linked. So it's a just it's a different document for each one. Just to make it hot. Yeah.","start_word":3463,"end_word":3495,"intents":[{"intent":"Explain bt policies","confidence_score":0.03945687},{"intent":"Discuss bt policies","confidence_score":0.13623884}]},{"text":"So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that. So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on. And, normally, they can't sort of cover you for more than 70 to 75% of your current income. I can Mhmm.","start_word":3561,"end_word":3626,"intents":[{"intent":"Resolve insurance claims","confidence_score":0.00063347776}]},{"text":"If I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis. So you're a bit over insured at the moment. Mhmm.","start_word":3930,"end_word":3982,"intents":[{"intent":"Confirm information","confidence_score":0.00031280107}]},{"text":"of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way. Okay? Alright.","start_word":4165,"end_word":4204,"intents":[{"intent":"Request coverage level","confidence_score":0.0000072121866}]},{"text":"Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions. You can't hold trauma inside of it. It is a a policy you can only hold out and pay for out of your back pocket.","start_word":4289,"end_word":4344,"intents":[{"intent":"Explain policy options","confidence_score":0.006278585}]},{"text":"Thank you so much for updating that. I'll go back and just reevaluate the insurances and update the advice there for you and factor in what we'll do with your super as well to sort of make it easier. Okay.","start_word":5030,"end_word":5069,"intents":[{"intent":"Update insurances","confidence_score":0.100596495}]},{"text":"Retirement wise, we're still tracking towards 60 for your retirement goal, hoping to retire by then?","start_word":5188,"end_word":5203,"intents":[{"intent":"Change retirement goal","confidence_score":0.0011193297}]},{"text":"I'll be the first one to give you a call going, guess what?","start_word":5242,"end_word":5254,"intents":[{"intent":"Call samantha","confidence_score":0.00012111597}]},{"text":"I don't have a beneficiary nomination, which is kind of really important. I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination.","start_word":5777,"end_word":5816,"intents":[{"intent":"Update beneficiary nomination status","confidence_score":0.00038467243}]},{"text":"When it comes to beneficiary nominations, you have three types of nominations you can choose from. One is a nonbinding nomination. That in my book is a pretty useful nomination. You're ticking the box. You're putting the nomination on file, but the trustee gets the ultimate decision. He can choose whether or not to pay that nomination as per your wishes.","start_word":6074,"end_word":6134,"intents":[{"intent":"Inquire about beneficiary nominations","confidence_score":0.0048762243},{"intent":"Check nomination format","confidence_score":0.011876655}]},{"text":"Which one would you like me to pick for you? That last one sounds good.","start_word":6200,"end_word":6214,"intents":[{"intent":"Confirm nominations","confidence_score":0.0013807797},{"intent":"Choose nominee","confidence_score":0.013833935}]},{"text":"So at the moment, you are in that growth portfolio. It's where you see 80% of your people invest in those growth assets. So, like, Australian shares, international shares, listed property, and commodities like gold and silver. And then Mhmm.","start_word":7428,"end_word":7467,"intents":[{"intent":"Evaluate portfolio","confidence_score":0.46378198}]},{"text":"But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are.","start_word":7573,"end_word":7596,"intents":[{"intent":"Reevaluate portfolio","confidence_score":0.024322573}]},{"text":"If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling? Do you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime?","start_word":7597,"end_word":7657,"intents":[{"intent":"Evaluate market expectations","confidence_score":0.019152531}]},{"text":"The next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds? Do you feel like you'd be comfortable if you have the right advice?","start_word":7752,"end_word":7787,"intents":[{"intent":"Consider investment options","confidence_score":0.013279799}]},{"text":"Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it?","start_word":7789,"end_word":7810,"intents":[{"intent":"Discuss investment options","confidence_score":0.022477835}]},{"text":"What if I put you in for Monday, August 24? I can book it out for, say, four or 05:00. What would you prefer?","start_word":8195,"end_word":8218,"intents":[{"intent":"Book appointment","confidence_score":0.36158457},{"intent":"Schedule meeting","confidence_score":0.0022267082}]},{"text":"Is there any questions that you might have for me?","start_word":8505,"end_word":8514,"intents":[{"intent":"Request clarification","confidence_score":0.00029805957}]},{"text":"I think we're pretty well Yeah.","start_word":8538,"end_word":8543,"intents":[{"intent":"Check status","confidence_score":0.0020339603}]},{"text":"Take some time to have a look at the annual review documents. Once you're happy to sign and return them back to me, if you can do so, that would be fantastic, and we'll get everything sorted for you. And I'll get those beneficiary nominations sent out to you ASAP as well. Okay. Okay.","start_word":8660,"end_word":8713,"intents":[{"intent":"Review documents","confidence_score":0.011483037},{"intent":"Discuss and send documents","confidence_score":0.000017199976}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Steven. It's Dana from Open Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.19702748954296112},{"text":"Good. Yes. Yeah. I'm good. Thank you.","start_word":13,"end_word":19,"sentiment":"positive","sentiment_score":0.5553964972496033},{"text":"I had people need to go through an annual review with you. Is now still a good time? Yeah. That's fine. Are you are you sure? Are you okay? Sorry. Feel like I woke you up. No. No. No. I'm sick, but yeah. No. That's alright. Oh, I am so sorry. You got the flu Oh, that's alright. or yeah. Yeah. Right. Both of my bosses brought it in brought it in to work mothers. Yuck. Yuck. Oh, have you got a bit of time off? I'm so sorry. No. No. Bit of write No. down time. No. That's alright. Not much going Yeah. on at work at the moment, so just tagging along. Oh, absolutely. Well, I hope you feel better soon. I understand. I was picked up long ago, so I completely get it. I can bring it down. Is now a good time to go through things? If you're not feeling well, I don't mind rescheduling to a better time for you. No. No. That's alright. That's okay? Yeah. Yeah. All good. I do know we send through some annual review documents to you to kinda go through. Are you able to look at your emails? If you can't, that's okay.","start_word":20,"end_word":223,"sentiment":"neutral","sentiment_score":-0.023164015263319016},{"text":"I'm happy to go through it for you.","start_word":224,"end_word":231,"sentiment":"positive","sentiment_score":0.3889242708683014},{"text":"Yeah. I could do that. Yep.","start_word":232,"end_word":237,"sentiment":"neutral","sentiment_score":0.1756628304719925},{"text":"Beautiful.","start_word":238,"end_word":238,"sentiment":"positive","sentiment_score":0.3344365358352661},{"text":"And before Alright. we Did jump you into say the call you have sent them? Or send me them now for you. oh, okay. Yep. That's okay. All good. Hopefully, it comes through fairly quickly for you. Emails don't like me much today. There we go. It's set. It's set.","start_word":239,"end_word":288,"sentiment":"neutral","sentiment_score":0.09419522434473038},{"text":"Perfect.","start_word":289,"end_word":289,"sentiment":"positive","sentiment_score":0.34718143939971924},{"text":"Mhmm. Before I jump in the call and go through things and discuss your personal information, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yeah.","start_word":290,"end_word":332,"sentiment":"neutral","sentiment_score":0.1369578093290329},{"text":"That's fine. Fantastic.","start_word":333,"end_word":335,"sentiment":"positive","sentiment_score":0.5304751396179199},{"text":"And just do a quick security check there with you just to confirm your full name, your date of birth, and address that you have on file. Steven Charles Brown, 17 Byron Yep. Drive, Jimboom, Queensland 4280, 05/02/1986.","start_word":336,"end_word":373,"sentiment":"neutral","sentiment_score":0.12007208168506622},{"text":"Fantastic. Thank you so much for that. Hopefully, the email pops through fairly soon there for you.","start_word":374,"end_word":390,"sentiment":"positive","sentiment_score":0.5894794464111328},{"text":"Just let me know if it doesn't. If it doesn't look well, just double check your junk mail because sometimes I get directed through the junk section.","start_word":391,"end_word":417,"sentiment":"neutral","sentiment_score":-0.10875922441482544},{"text":"Oh, excellent. Excellent.","start_word":418,"end_word":420,"sentiment":"positive","sentiment_score":0.3712970912456513},{"text":"Now when you click on the sign button, you don't have to worry about that right now. But when you click on the sign button, it takes you through to the ongoing service agreement for the next twelve months. Obviously, as a client, you do pay the ongoing service fee, which is 1.65% per annum, and that is deducted out of consumer on a smaller monthly increment, and it does fluctuate the market as it is as it is a percentage based fee there for you. Okay? We've also attached this year a tax file opt in form, so we just have to validate the reasoning behind why we hold your tax phone number. So because we set up your statement within Hub twenty four there and help with the insurance side of things, we did have to hold your tax phone number on file. So we are very security conscious with everything. We just wanna make sure you're aware that we do hold that sensitive information on you, and that document outlines how and why and what security measures we take in order to keep that safe. Okay? Mhmm. Excellent. Now with the DocuSign the the Otusign there, sorry, if you're on the front page, if you scroll down just underneath the the wording that we've typed in there, you should have a couple of attachments. Can you see those there at all? Yeah. I can 12345. I've got 8. Yep. Perfect. The main one that we're looking at is the superannuation and insurances. So the summary of superannuation and insurances, it should stay there. Yep. Yep.","start_word":421,"end_word":688,"sentiment":"neutral","sentiment_score":0.1377073973417282},{"text":"Beautiful.","start_word":689,"end_word":689,"sentiment":"positive","sentiment_score":0.415960431098938},{"text":"If you open that one up there, it just gives you an updated balance. I couldn't even tell you what they were before.","start_word":690,"end_word":712,"sentiment":"neutral","sentiment_score":0.06386920064687729},{"text":"That's okay. I do have that for you as well.","start_word":713,"end_word":722,"sentiment":"positive","sentiment_score":0.35400134325027466},{"text":"No worries. So when I sort of look back this time last year, your balance then was about 56,605 and 97<unk>. So your balance sorry. Yep. Your balance now, as on the document there, you've got 64,205 and 94<unk> there.","start_word":723,"end_word":765,"sentiment":"neutral","sentiment_score":0.1655559241771698},{"text":"So it has definitely increased on the year for you. That's good. Okay. Excellent.","start_word":765,"end_word":779,"sentiment":"positive","sentiment_score":0.5890914797782898},{"text":"Within BT at the moment, that was as that originally is now owned by BT. The balance of the account's 2,640 and 27<unk>. So very minimum balance there. I know we did provide that advice last year, and it looks like it kind of did expire there. I did have a bit of a look at your file beforehand. I would like to update that advice just to reconfirm things for you and get everything moving and consolidated. But I Mhmm. also found some things I'd like to change within your portfolio and have 24 as well. So, realistically, everything's been performing quite nicely. We have seen a lot of market ups and downs this year, and Yeah. probably, you know, have heard it all in the news of what's happening between The US and Iran. Mhmm. And here in Australia, we've also had high inflation rates, which does also have an effect on Mhmm. on, like, bonds and fixed interest investments as well. So having a look, most things are performing very, very nicely, but you did also have the Bennelong Australian Equities investment in your portfolio. Now the idea that's been originally placed in your portfolio was that Bennelong is an active manager. Essentially, the investment manager within Bennelong is trying to outperform the market, and this year, it has not been able to do so. And it hasn't necessarily been to do with the market. So when an investment isn't performing well, we wanna compare that against the rest of the market. And as a whole, as much as we're seeing ups and downs, the Australian market is actually performing quite well, and we're still fairly heavily overvalued at the moment.","start_word":779,"end_word":1060,"sentiment":"neutral","sentiment_score":0.01227475494040665},{"text":"But Benelon in your portfolio within Hub twenty four is down pretty significantly, and I do wanna sort of look at removing that out of your portfolio because I don't see it coming back. Essentially, the main reason that Bennelong is down at the moment is that one of its underlying investors, Corporate Traveler, had been dishonest to the market, to its investors, and then it got found out when it had to report. So it has had a trading halt, and it's now been investigated there as well.","start_word":1061,"end_word":1149,"sentiment":"negative","sentiment_score":-0.4556054174900055},{"text":"And then along can't remove that from its portfolio, but we can remove you from that alone. So I would like to if you're comfortable with me updating the advice again for you, I'd like to remove that from your investment and just maybe reevaluate all your other investments within hub twenty four as well as the BT one. We'll be Mhmm. consolidating everything for you and just updating everything as well and making sure it's working properly. Are you comfortable with me doing that this year for you? Yeah.","start_word":1150,"end_word":1239,"sentiment":"neutral","sentiment_score":0.023129265755414963},{"text":"That sounds good.","start_word":1240,"end_word":1242,"sentiment":"positive","sentiment_score":0.35958442091941833},{"text":"Yes. Just in regards to if if we do decide to sell down and then along, Mhmm. is that will will will there be a negative impact? Or, like, I don't know how that side works. Yeah. That's absolutely So, obviously, fine. if it if it's down, it's gonna Yes. be capturing a loss. So how like, That's how correct. how does all that work? Yeah. That is absolutely correct. So if we do to sell the investment while it is low, we are cementing a loss. Real at the moment, the loss in the portfolio, or earnings wise, it's showing $5,621. So we would be cementing that, which means your balance would be expected to be minus that $5,621. But what I would like to do is make sure that we put you into an investment that can make that money back nice and quick because we absolutely will be selling the lot.","start_word":1243,"end_word":1396,"sentiment":"neutral","sentiment_score":-0.09606599807739258},{"text":"My biggest concern with not doing that at the moment is that Venlo continued to decrease, and it is, on most days, having a sell off. So that loss could actually increase more.","start_word":1397,"end_word":1429,"sentiment":"negative","sentiment_score":-0.6550206542015076},{"text":"I would much Yep. rather move that now, cement that loss now, put you into something that can make that money back in the right and quick rather than sort of watch it continue to decrease and then having to sell it down down the track. Does that make sense? Mhmm. Yeah. Yeah. No. That makes sense.","start_word":1430,"end_word":1486,"sentiment":"neutral","sentiment_score":-0.08025488257408142},{"text":"I'm I'm happy to Yep. do that.","start_word":1487,"end_word":1493,"sentiment":"positive","sentiment_score":0.436001181602478},{"text":"That's fine because, I Yep. mean, nobody likes losing money. No. Absolutely not. But but with it being realized and and, yeah, captured as a loss, like, Mhmm. obviously, it's a loss. Does that Mhmm. affect anything else, like tax returns or or anything like that? That's a really good question. And, no, not for yourself, Because your super fund is essentially a trust, it's its own entity, your super fund and the trust in the fund actually do a tax return every year just like you do. Mhmm. Cementing that loss doesn't affect your personal tax return or income in any way, shape, or form. It's just the loss that is realized by the super fund, and they will Okay. account for that as part of their normal tax process essentially. But what I can essentially do to make it work in your benefit is by reassessing the rest of the portfolio, which has same really good gain, we could use that loss to offset any additional capital gain by changing anything else in the portfolio there as well. So we can kind Okay.","start_word":1494,"end_word":1678,"sentiment":"neutral","sentiment_score":0.031594473868608475},{"text":"of use that gain that loss to our advantage.","start_word":1679,"end_word":1687,"sentiment":"positive","sentiment_score":0.33419355750083923},{"text":"There's a couple of things within the portfolio I would like to maybe, you know, just rebalance or make some changes to. Mhmm. There's nothing really heavily bad that I, you know, definitely wanna remove that's performing poorly apart from Benelon, Yep. but I can definitely see some areas that we could improve on moving forward for you. It's just that with this, even everything that's kinda going on globally, there has been some changes within the market, and it has sort of meant that it is worth updating people's portfolios now, making some changes, switching investments around, and looking at other ways to build additional gains for you as well. Does that make sense? Yeah. Yeah. Yeah. No.","start_word":1688,"end_word":1806,"sentiment":"neutral","sentiment_score":0.05691940838298878},{"text":"That sounds good. Fantastic.","start_word":1807,"end_word":1810,"sentiment":"positive","sentiment_score":0.5244618654251099},{"text":"One of the things I wanted to ask you about was with that Benelon investment, now as I've kind of mentioned before, that was more of an actively managed fund. Did Yep. you want me to keep realistically, you are young. You've got a lot of time ahead of you before accessing CUPES. You can benefit from having some sort of active manager in your portfolio, but you do pay higher management fees to have active managers in your portfolio. Would you like me to continue having some sort of active management placed in there, or would you like me just to focus on maybe lower risk passive investments that might be cheaper, might save on fees, and can be, you know, compounded towards your retirement goals? What would you like Can I to just say full? That's gone straight over my see? You are absolutely fine. head. Do you want me to sort of focus on having maybe an active manager in there in investments that is trying to outperform against the market? You take a bit more risk and pay more fees for doing that, or did you want just a portfolio that's lower cost, is cheaper on fees? Can I well, I like both options? I Can can can look I be at I the pain can look and at time. and yeah. Yeah. Can you can you give me a comparison between some some of them in in this year's review for me to look at? Would you like me to? Because I sort of have to make the recommendation either way. I've actually got an option for a portfolio that does have some active management in it, but it's also actually quite cheap, and it stays on investment fees. I can look at trying to incorporate both things if you want, reduce the fees in the portfolio, but also keep some active management in there for a little bit. Yeah. That sounds alright. Yeah. Yeah. Best of both worlds. That sounds like yeah. Yeah.","start_word":1811,"end_word":2149,"sentiment":"neutral","sentiment_score":0.09803086290668948},{"text":"That sounds like it covers best of both worlds.","start_word":2150,"end_word":2158,"sentiment":"positive","sentiment_score":0.4264497458934784},{"text":"So yeah. No.","start_word":2159,"end_word":2161,"sentiment":"neutral","sentiment_score":0.2528211772441864},{"text":"That sounds good. Fantastic. All good.","start_word":2162,"end_word":2167,"sentiment":"positive","sentiment_score":0.6203804016113281},{"text":"Not an issue at all. I was like, I always give you the option, but if you're really not sure, I do have options in between that can go both ways, so don't worry.","start_word":2168,"end_word":2201,"sentiment":"neutral","sentiment_score":0.17286846041679382},{"text":"Fantastic.","start_word":2202,"end_word":2202,"sentiment":"positive","sentiment_score":0.6261183023452759},{"text":"Yeah. I'll I'll let I'll let you have a look at all of the different options. But, yeah, I I Yep. do like, yeah, I like the sounds of the best of both worlds, but Yep. you'll be advising you understand these things. I don't. Clearly, I have no idea really. You're absolutely fine. That's not a problem at all. What I'll do is I'll go back to the drawing board, just have a look at the options. I'll do a bit of research on the portfolio, on the super, everything there, and we'll look at what we can do for you. Okay? Mhmm. Easy Temperature. done. The other thing to sort of look at is the insurance side of things. So one of the things we had in the advice document was that we were looking to increase your life and CBD cover to a million dollars and then looking at transferring it over so it could all be consolidated into hub twenty four. That was mostly because your mortgage on the property, which, hopefully, you guys have all had settled and moved into. Are you in there? Yep. Is No. it all built? No. Oh, no. I'm sorry. Oh, no. I have a slab, and I have a frame sitting on the ground waiting to be erected. Oh gosh. No. I was hoping you would at least be in there or have it close to by now. No way. You and me both, but, no, we didn't start until Yep. April. March, April, May. I think it was May. I don't know. Somewhere around it. But, yeah, Yeah. we've we've had the flood and then we've had rain and then that got delayed and then yeah. So now we're just waiting on a a carpenter to turn up to erect a frame for us, which should Wow. Wow. Are they giving be you any kind of time frame on how long before the awesome. whole thing should be built to hand over? Or Original fighting was we should be in for Christmas. So as long yeah.","start_word":2203,"end_word":2550,"sentiment":"neutral","sentiment_score":0.04997218888381432},{"text":"as everything runs smoothly, that would be good.","start_word":2551,"end_word":2558,"sentiment":"positive","sentiment_score":0.559334397315979},{"text":"Yeah. So sorry. Damn. I was really looking No. That's forward alright. to this conversation. I was like, wow. Surely, you're in the house by now. I would love to say yes, but no. And then the current house that we're in, the owners decide that he wants to sell that one, and it's now hit us up and see if we're in a position to buy. I'm like, we you know, I think that's, like, four months ago. Yeah. Oh, wow. Insane. So yeah. Yeah.","start_word":2559,"end_word":2644,"sentiment":"neutral","sentiment_score":-0.013796595856547356},{"text":"Oh, it's been great. I'll tell you.","start_word":2645,"end_word":2651,"sentiment":"positive","sentiment_score":0.5759681463241577},{"text":"Yes. Yes. You've had a lot going on. Understandable. Oh, Now goodness I've got bloody me. open homes every week. Oh, yuck.","start_word":2652,"end_word":2673,"sentiment":"neutral","sentiment_score":-0.030543088912963867},{"text":"I never Yuck. wanna do that again ever.","start_word":2674,"end_word":2681,"sentiment":"negative","sentiment_score":-0.38597914576530457},{"text":"Yeah. No. I agree with you there. Absolutely. When the property is built, we're still looking at a loan of about a million dollars. Yeah. Yep.","start_word":2682,"end_word":2707,"sentiment":"neutral","sentiment_score":0.06500157713890076},{"text":"Okay. Beautiful.","start_word":2708,"end_word":2709,"sentiment":"positive","sentiment_score":0.4676826298236847},{"text":"And with your wife and TPD cover, is it still appropriate that you wanted to be covered for that million? So in the event of you passing away, the life cover pays out the loan for your partner, and then, you know, your super balance is paid on top of that as an additional buffer. Is that still fairly appropriate life cover wise? Yeah. Well, that was that was my original plan. So, yeah, at least Yep. it's covered, and it's it's not a burden to to him afterwards. Yeah.","start_word":2710,"end_word":2799,"sentiment":"neutral","sentiment_score":0.17656688392162323},{"text":"Absolutely.","start_word":2800,"end_word":2800,"sentiment":"positive","sentiment_score":0.40516722202301025},{"text":"And then with total permanent disability, we were, again, covering you for a million dollars, which meant that if you were never able to go back to work again, that million dollars provides a buffer, pays off the mortgage, and then your super balance is paid out to also provide a buffer and then supplement his income moving forward. Does that still sound appropriate goal wise for TBD? Or Yeah. It does. yes. Yes.","start_word":2801,"end_word":2874,"sentiment":"neutral","sentiment_score":0.07742676883935928},{"text":"Beautiful.","start_word":2875,"end_word":2875,"sentiment":"positive","sentiment_score":0.5288943648338318},{"text":"With your Just income sorry. for Just one you're question a yeah. Sure. on that t well, on the TPI and the and the life. Well, the life, Yeah. it doesn't really apply, but the TPD size. Yeah. Is that any occupation, or is that my current occupation? So when you hold TBD inside super, they only give you an any occupation definition. So that means that you essentially have to be able to go back to work in any occupation for which you were educated, trained, or have worked at. Okay. Let me double check your policy because you also have a portion of your policy which is paid outside of super. Yep. And I just wanna double check whether that has the TBD side of it because I know you do have some income protection which is paid outside of super Mhmm. on a on a a monthly basis there as well. But sorry. Just going into the city of currency to double check because that summary doesn't have it. Okay. So with the city of currency, so the benefit paid outside of super to out of your pocket, that is that's the income protection part. And, yeah, the TBD benefit is only paid inside super, and it's definitely in any occupation. Yeah. It does mean it is a little bit hard to claim on an any occupation definition because if you were paying any of the, TPD outside of super, you would get access to the own definition, which means that you they would always assess the inside super portion first. But if you didn't meet that criteria, they can then assess you with the own occupation, which essentially is that you're unable to get back to work in the occupation that you worked prior to the disability, essentially, which, as you can imagine, would be a much easier definition to claim TBD on. Yes. It would be. Yeah. Yeah. Did you want me to try and look at maybe getting a little bit of TBD paid out of pocket? Are you in a position to be able to pay a little bit more out of your, you know, regular expenditure for insurances outside of state funds? Mhmm. Yeah. Yeah. I might actually look into that because, yeah, as you said, it would be easier, and I do know of somebody who has been caught out by that. Yep. Yep.","start_word":2876,"end_word":3278,"sentiment":"neutral","sentiment_score":-0.01596396804669359},{"text":"Absolutely.","start_word":3279,"end_word":3279,"sentiment":"positive","sentiment_score":0.48997944593429565},{"text":"I can add that into into the research for you to see if it's possible to get Sorry some to of keep that adding paid all out. the leaks to things. Yeah. No. You are absolutely fine.","start_word":3280,"end_word":3316,"sentiment":"neutral","sentiment_score":0.08264888823032379},{"text":"Like, it's got it's your goal, so it's gotta be what you want it to be.","start_word":3317,"end_word":3332,"sentiment":"positive","sentiment_score":0.4907845854759216},{"text":"Even if I can't get that policy altered in that way, I can always look at adding a little bit of CBD outside of Super and just kind of, you know, giving you that option as well. So that's Yeah.","start_word":3333,"end_word":3372,"sentiment":"neutral","sentiment_score":0.15966756641864777},{"text":"absolutely fine. One of the benefits to having your current CBD split is that instead of paying the whole CBD benefit out of super, they normally do about 5%, so it makes it it costing a little bit cheaper for you. But I will absolutely have a look at that and see what we can do. Perfect.","start_word":3373,"end_word":3429,"sentiment":"positive","sentiment_score":0.4424818754196167},{"text":"Now we've also got income protection. That is essentially paid I think it's got a bit inside paper and a little bit outside paper. I'm just opening that ticket currently up for you. The only downside to the BT and the Asgard policies is they're all individual. They're linked. So it's a just it's a different document for each one. Just to make it hot. Yeah. So with your income protection policy, part of it is paid inside super and part of it paid outside of super. The outside of super portion is only a small amount. You're paying about $42.49 on a a monthly basis at the moment there Yep. with the amount you are covered for. So the monthly benefit covered is $4,889. That is a pretax amount. So if in the event there was an income protection claim, the same as your income, you do unfortunately pay income tax on that. So, realistically, you'd probably get about 3,900 on a monthly basis estimated was that you would be able to live on. And, normally, they can't sort of cover you for more than 70 to 75% of your current income. I can Mhmm. double check the amount of benefits. Do you want me to look at maybe increasing the income protection policy for you? Do you feel like that benefit's sufficient in the event you're not able to go to work? What's your thoughts there? Yeah. We might look at increasing that as well. Mhmm. Yeah. From memory, I get about 2,300 a fortnight. So whatever that works out to. 23 And that 100 well, that's a fortnight. that's big. Okay. Do you remember what your income was last financial year? Total growth? No. No. Nope. That's okay. That's alright. The 2,300 take home net per fortnight. That gives us 26. About 59,800. Because I had you on about 70,000 last year, and that looks like it's pretty close to what you'd be on pretax. With the income protection side of things, they generally don't let you be covered for more than 70 percent. Older policies can be 75, and I'll double check whether yours can be 75 or 70%. Mhmm. Covering Mhmm. yourself for anything more than that doesn't really work out to your benefit because what happens is when you go to claim, they'll ask for your, like, payslip, your past tax returns, and things like that, and they'll look at what income you were on prior to you being off work and unable to go to work. And they essentially only pay out the maximum that you're able to be covered for based on that income. So Mhmm. if Perfect.","start_word":3430,"end_word":3875,"sentiment":"neutral","sentiment_score":-0.030895977310268333},{"text":"you have a higher level of cover, it's right you're paying for it.","start_word":3876,"end_word":3888,"sentiment":"positive","sentiment_score":0.3644953668117523},{"text":"It's there, but there's no depending on what your income is, they may not actually pay that amount, which means you could be paying for cover that you can't actually claim on, which is pretty pointless.","start_word":3889,"end_word":3924,"sentiment":"negative","sentiment_score":-0.33711379766464233},{"text":"Yeah. There it is. Yeah. If I look at the 70,000 as a base for you just to kind of work out, and I'll go back and recalculate it, The monthly benefit based on 70% means that you should be covered for about 4,083 on a monthly basis. So you're a bit over insured at the moment. Mhmm. If I work it out on 75%, which is what they used to pay 2021 allow, and your policy is back from a lot before that. It shouldn't be a problem, and I'll double check the rules. 75. It's 70,000 means it would be 4,375 as a monthly benefit amount. So at the moment, you're slightly over insured. If you're comfortable, I can go back and work out exactly what you would need based on the cover eligibility and just alter it to make sure you're not overpaying or not underinsured? Yeah. I'll have to have a look. Yes. As I said, I know it's about 2,300 or fortnight that I get banked. But, yeah, I couldn't actually tell you. Yep.","start_word":3925,"end_word":4103,"sentiment":"neutral","sentiment_score":-0.01302175596356392},{"text":"That's pretty sad.","start_word":4104,"end_word":4106,"sentiment":"negative","sentiment_score":-0.5802271366119385},{"text":"That's okay. That's alright. If if I can get you just to double check, even just your group certificate or that they put into your MyGov account, I'll get my colleague, Samantha, to give you a call over the next few days just to sort of follow that one up. But if you can get an idea Yep. of what your income was growth last for last year, then I can work off that figure to make sure that you've got the right level of cover and that you're not over or underinsured in any way. Okay? Alright. Yep. Okay. I'll When continue. you're better. I'll no. No. That's alright. I'll I'll look in my account while we continue this conversation because Okay.","start_word":4107,"end_word":4229,"sentiment":"neutral","sentiment_score":0.02818543277680874},{"text":"I got Beautiful.","start_word":4230,"end_word":4232,"sentiment":"positive","sentiment_score":0.4142865836620331},{"text":"three different ones just fine in and out of. So Oh, no.","start_word":4233,"end_word":4244,"sentiment":"neutral","sentiment_score":-0.03014884702861309},{"text":"They make yeah. it hard, don't they? Shocking. It's yeah. It's stupid. No.","start_word":4245,"end_word":4257,"sentiment":"negative","sentiment_score":-0.5582674145698547},{"text":"All good. For your security, Now please the place other your browser. there is one other type of insurance that we do also and can look at, and that is trauma. Trauma tends to pay out like a lump sum benefit if you're diagnosed with, say, a heart attack, a stroke, cancer's a big one, Parkinson's or MS or certain neurological conditions. You can't hold trauma inside of it. It is a a policy you can only hold out and pay for out of your back pocket. Did you wanna look at maybe getting some trauma cover, or are you happy just with the life PPD and income protection? I would like to guess it. Yes. Yep. Yep.","start_word":4258,"end_word":4375,"sentiment":"neutral","sentiment_score":-0.07313954830169678},{"text":"Beautiful.","start_word":4376,"end_word":4376,"sentiment":"positive","sentiment_score":0.44075635075569153},{"text":"When you think about trauma and the level of cover you might want, what would you be wanting to pay out in that sort of an instance? Do you know is it maybe one or two years worth of net or gross income? Are you wanting to cover the mortgage? What sort of cover level would you be comfortable I don't actually know the answer to that question. with? That's okay. If you like, what I could do is I could look at maybe one year's worth of gross income for you as part of the advice and show you what the cost is. But then in the appendices, I could also put some additional quotes to show you two or three or five years worth of gross income. Does that sound okay? Would you like to sort of see that, or what would you think? Yeah. That that would be good. We sort of can Yes. get a sort of an idea of what's there and what's available. Yes. Absolutely. And then if you decide you wanna kind of alter that, come back and let me know. We can go back and alter the recommendation. It just sort of shows you what it is. I think one of the big things with trauma is that it is an out of pocket cost. So you are paying that premium every month the same as you are with your income protection outside of Duke at the moment. So having a set level of cover and a lot of people like one or two years worth of income because it means if they had, like, a major diagnosis, they could take a year or two off. Trauma's Mhmm. the first thing we claim on. You can then if you still can't go to work, claim on income protection and CPD and things like that. It's just that this is giving you a starting buffer whilst you're on the waiting period for income protection and whilst you're going through the process of, you know, trying to work out whether you'll ever go back to work again to claim on CBD. Yeah. Okay. Yep.","start_word":4377,"end_word":4736,"sentiment":"neutral","sentiment_score":0.007593091621917362},{"text":"Beautiful. All good.","start_word":4737,"end_word":4739,"sentiment":"positive","sentiment_score":0.4387218952178955},{"text":"Do you have any questions? I know I go through a lot with the insurances, but do you have any questions in relation to any of that? No. I don't think so at this stage. No? That's okay. The other thing we looked at last year was making salary sacrifice contributions, and we were starting to look at sort of $50 on a weekly basis. As part Mhmm. of the advice update, do you want me to refactor in salary and additional contributions to super? Yes, please. Yes. That's okay. And $50 per week, is that still fairly appropriate and comfortable, or did you wanna change that amount? Yeah. No. That's fine. That's okay? Beautiful. Yep.","start_word":4740,"end_word":4855,"sentiment":"neutral","sentiment_score":-0.002308702562004328},{"text":"Excellent. Lovely.","start_word":4856,"end_word":4857,"sentiment":"positive","sentiment_score":0.3928375840187073},{"text":"No worries at all. And What is going on here? with updating the advice, is there any changes to your health that we would maybe need to factor in? No. Not at this stage. Nope. Everything's That's okay. going along nicely.","start_word":4858,"end_word":4898,"sentiment":"neutral","sentiment_score":0.03143392503261566},{"text":"Fantastic.","start_word":4899,"end_word":4899,"sentiment":"positive","sentiment_score":0.39727041125297546},{"text":"How's all the pain? How's the ankylosing spondylosis? Is everything okay that way? Still having lots of pain or still on medication? Look. I'm still on the medication. That's most likely gonna be a a lifetime thing. Yeah. But all the other medication for what sort of thing gout and and that sort of stuff Yes. is taking me off that, so no longer taking that. It's just the anti And inflammatories is required and the humira injections. Yep.","start_word":4900,"end_word":4978,"sentiment":"neutral","sentiment_score":-0.0624137611328801},{"text":"Beautiful.","start_word":4979,"end_word":4979,"sentiment":"positive","sentiment_score":0.4272575378417969},{"text":"Are you on any particular anti inflammatory, or is he just giving you just an over He's the got me on counter Mobic. one? Mobic.","start_word":4980,"end_word":5004,"sentiment":"neutral","sentiment_score":0.018384164199233055},{"text":"Beautiful. Lovely.","start_word":5005,"end_word":5006,"sentiment":"positive","sentiment_score":0.39249810576438904},{"text":"And you said with the Humira, it's just still just one injection per day? Per fortnight. Per fortnight.","start_word":5007,"end_word":5024,"sentiment":"neutral","sentiment_score":0.0534728579223156},{"text":"Perfect. Excellent. Good to see. Thank you so much for updating that. I'll go back and just reevaluate the insurances and update the advice there for you and factor in what we'll do with your super as well to sort of make it easier.","start_word":5025,"end_word":5068,"sentiment":"positive","sentiment_score":0.4813866913318634},{"text":"Okay. Okay.","start_word":5069,"end_word":5070,"sentiment":"neutral","sentiment_score":0.12673644721508026},{"text":"Excellent.","start_word":5071,"end_word":5071,"sentiment":"positive","sentiment_score":0.34787511825561523},{"text":"Easy. Just I'm to not having update any luck with myGov, so it just keeps no. telling me to close my for your security, please close your browser. I'm like, I'm not even logged in. Like, just let me log in. Absolutely. I love the government. They make everything so hard. Oh, it's bloody ridiculous. I tell you. Oh, and that's okay. If you can't get into it, don't worry. I'll send you an email after the call, and I'll get my admin team member, Samantha, to follow-up over the next few days there for you as well. But if you need some time just to rest and get better, that's absolutely okay. Alright. All good. Retirement wise, we're still tracking towards 60 for your retirement goal, hoping to retire by then? I would love to reply earlier. But Well, 60 is yeah. the earliest we can inside the for the moment. If Unfortunately. you are wanting to look at exactly. If they ever change that, I'll let you know. I'll be the first one to give you a call going, guess what? If you do I'll wanna have to look win at the gold medal in order to do that, I tell you. yeah. I'm trying too. Not gonna lie. Yeah. You you you and me both. If you do wanna look at, you know, trying to retire earlier, we can always look at, you know, building about that side of things like that. But based on super at the moment, '60 is the earliest. And as I said, if Yep. anything changes down the track, I'll absolutely let you know. Okay?","start_word":5072,"end_word":5344,"sentiment":"neutral","sentiment_score":-0.010603249755316164},{"text":"Awesome.","start_word":5345,"end_word":5345,"sentiment":"positive","sentiment_score":0.64243483543396},{"text":"The retirement income, we still think we're we're hoping to get about $1,500 a week in retirement income wise. Does that still sound appropriate? Yeah. Yep.","start_word":5346,"end_word":5371,"sentiment":"neutral","sentiment_score":0.19991296529769895},{"text":"Beautiful.","start_word":5372,"end_word":5372,"sentiment":"positive","sentiment_score":0.45905569195747375},{"text":"I've also got down here. So the loan expected on the new property when that is fully built to be about a million dollars. I've also got here the estimated value when that is fully built to be a million. As much as that is a few months down the track, what sort of estimated value do you think that might be when you do get handover? God knows in today's current market with everything that's going on. Yeah. That's it. I can I just would sort of note expected a million if you'd like. I would I would like to pay probably $1.02, $1.03. Yep.","start_word":5373,"end_word":5478,"sentiment":"neutral","sentiment_score":0.045594099909067154},{"text":"Beautiful. Excellent.","start_word":5479,"end_word":5480,"sentiment":"positive","sentiment_score":0.4345911145210266},{"text":"I've got contents down here, estimated value at about 150,000. Would you alter or change that at all? No. That'll be fine. That'll be okay? Beautiful. Yep. I've also got the 2012 Kailax. Do you still have that vehicle? No. She died. Oh, no. Yeah. Yeah. She died.","start_word":5481,"end_word":5528,"sentiment":"neutral","sentiment_score":0.03367910161614418},{"text":"Oh, that's a shame.","start_word":5529,"end_word":5532,"sentiment":"negative","sentiment_score":-0.39491599798202515},{"text":"What did you Very have short to and replace quick that painful with? death. What did you have to replace that with? I replaced it with a 2025 RAV four. Oh, wow. A form. It's not a bad car in any way, shape, or form. Not quite a Hilux, but it's still a good car. No. It is a it is a very nice car to drive. Yeah. It definitely is not a high luxe. No. Not as durable as the Hilux is. That's for sure. It's much better suited for our requirements now. So Yeah. Yeah. No. That's oh, all good. freaking nose. What sort of what sort of value would you put on that? Jeez, you like asking hard questions, don't you? I know. I know. I get to be nosy for a living.","start_word":5533,"end_word":5668,"sentiment":"neutral","sentiment_score":-0.07946022599935532},{"text":"It's pretty cool. I'm not gonna lie.","start_word":5669,"end_word":5675,"sentiment":"positive","sentiment_score":0.5962889790534973},{"text":"Oh, probably 60. 60.","start_word":5676,"end_word":5679,"sentiment":"neutral","sentiment_score":0.1629551202058792},{"text":"Beautiful. Excellent.","start_word":5680,"end_word":5681,"sentiment":"positive","sentiment_score":0.7105680704116821},{"text":"And do you have a loan on that vehicle or owned outright? Alright. Outright.","start_word":5682,"end_word":5695,"sentiment":"neutral","sentiment_score":0.1530301570892334},{"text":"Beautiful.","start_word":5696,"end_word":5696,"sentiment":"positive","sentiment_score":0.5530739426612854},{"text":"And then savings, we had you having about 3,000 in savings. Do you still have that or have a bit more in savings? It's about 9,000.","start_word":5697,"end_word":5722,"sentiment":"neutral","sentiment_score":0.0924760401248932},{"text":"Beautiful. Lovely.","start_word":5723,"end_word":5724,"sentiment":"positive","sentiment_score":0.6825023889541626},{"text":"And anything else that we need to note down value wise? Do you have any other shares, cryptocurrency, tools of trade, or any collections that are valued? Nice. Nope. That's okay.","start_word":5725,"end_word":5755,"sentiment":"neutral","sentiment_score":0.14167411625385284},{"text":"Beautiful.","start_word":5756,"end_word":5756,"sentiment":"positive","sentiment_score":0.5372331738471985},{"text":"And then the other thing to look at is the estate planning side of things. Mhmm. So just double checking. I don't have a beneficiary nomination, which is kind of really important. I do wanna get a beneficiary nomination applied to your super ASAP because at the moment, in the event that something occurred, we're not having a beneficiary nomination. I'm assuming you want everything to kinda go to your partner to make sure he is looked after and covered. But without Mhmm. a beneficiary nomination in place, it means that that the super has to go through what's basically a probate process where it has to kinda go to the estate without having a beneficiary nominated, goes to the court system. People from your past and family can come forward and make a claim, which means it may not get directed to where you want it to go. So it is really important that we have that beneficiary nomination set up. I am gonna get the team to send one to you tomorrow or Monday. Is email or post easier for you? What would be best? Email email is fine. Email?","start_word":5757,"end_word":5948,"sentiment":"neutral","sentiment_score":0.025177013128995895},{"text":"Beautiful. I'll get them to have that sent through.","start_word":5949,"end_word":5957,"sentiment":"positive","sentiment_score":0.3974598944187164},{"text":"If you can just fill it out, I'll send some directions on how to complete the nomination. And then once we get that back, we can have that applied.","start_word":5958,"end_word":5986,"sentiment":"neutral","sentiment_score":0.2416602075099945},{"text":"I just don't want that to be, you know, no beneficiary nomination applied right now.","start_word":5987,"end_word":6001,"sentiment":"negative","sentiment_score":-0.34755513072013855},{"text":"It's all gotta be looked after. So it's all in the event something happens, I mean, I don't want anything to happen to you, Steven, but in the event that something was to occur, if you were to pass away right now, you know, it's not protected. So we just Yeah. wanna make sure that all your i's and d's and p's are crossed. Okay? Okay. Some other hard questions for you. When it comes to beneficiary nominations, you have three types of nominations you can choose from. One is a nonbinding nomination. That in my book is a pretty useful nomination. You're ticking the box. You're putting the nomination on file, but the trustee gets the ultimate decision. He can choose whether or not to pay that nomination as per your wishes. Me, personally, I would never tick that box. You also have a binding lapsing nomination, which means you have to redo the beneficiary form every three years, or you can do a binding non lapsing, which means you fill the nomination format now, we have it applied, and you never have to fill another one out until things change or you wanna change that beneficiary. Which one would you like me to pick for you? That last one sounds good. We'll do it once Absolutely. once only, hopefully. Yeah. Absolutely. I know. I thought I sort of put it that way. I'm like, look. The first two are pretty much a no go. The third one's always the best one to do, and we check that nomination with you every year, so it's absolutely fine. Okay. Okay. I finally got into myGov. X.","start_word":6002,"end_word":6277,"sentiment":"neutral","sentiment_score":0.06386273305701173},{"text":"Oh, fantastic.","start_word":6278,"end_word":6279,"sentiment":"positive","sentiment_score":0.4085286259651184},{"text":"So the 2526 was 77 basically, 77,000. 70 Like, 7,000. five well, it's about $80 shy of that. So Yep. That's okay. So I will base your income protection policy on 77,000 for you. Then there we go.","start_word":6280,"end_word":6317,"sentiment":"neutral","sentiment_score":0.12294742465019226},{"text":"Perfect. Easy.","start_word":6318,"end_word":6319,"sentiment":"positive","sentiment_score":0.3921791911125183},{"text":"Thank you for that. Sorry. It took me so long to get in there. Painful Oh, that's alright.","start_word":6320,"end_word":6337,"sentiment":"neutral","sentiment_score":-0.15692901611328125},{"text":"at my It's not job, yours, isn't though.","start_word":6338,"end_word":6345,"sentiment":"negative","sentiment_score":-0.33960965275764465},{"text":"it?","start_word":6346,"end_word":6346,"sentiment":"neutral","sentiment_score":-0.3073095679283142},{"text":"It's just bloody I I hate my compassion. I really do.","start_word":6347,"end_word":6357,"sentiment":"negative","sentiment_score":-0.6289218068122864},{"text":"Yeah. I know. I do too.","start_word":6358,"end_word":6363,"sentiment":"neutral","sentiment_score":-0.022341549396514893},{"text":"Oh, it's an absolute nightmare, especially when it doesn't wanna sign in.","start_word":6364,"end_word":6375,"sentiment":"negative","sentiment_score":-0.6713758111000061},{"text":"And then you get a passcode, Oh, and then it saves the passcode yep. as, like, letter and number combination. I'm like, yeah. Because that really helps me when you manage three, like, up accounts. Yep. How do I Yep. know which one is what one? So then you play the the the Russian roulette game of which one is it until you finally pick the right one. And half the time you pick Absolutely. the other ones more than once, it's like, Yep. oh my god. Oh, goodness, So man.","start_word":6376,"end_word":6466,"sentiment":"neutral","sentiment_score":-0.08073976635932922},{"text":"It's a we painful got there thing.","start_word":6467,"end_word":6473,"sentiment":"negative","sentiment_score":-0.4910867214202881},{"text":"in the I end. we did. I always think with these sorts of things, the person who builds them sits there and goes, what can we do to annoy the most amount of people we possibly can on a regular basis? Let's do it this I have to agree with you because they certainly do. way. It's shocking, isn't it? Oh, goodness me. Yeah. The only other thing to sort of double check is extended to wise. Are you guys managing to put much in the way of savings away on a regular basis? Yeah. We normally get about 800 for the side Yep. extra Perfect. at the moment. Is that per week or fortnight or month? Fortnight. Per fortnight.","start_word":6474,"end_word":6593,"sentiment":"neutral","sentiment_score":-0.11720097064971924},{"text":"Beautiful. Excellent.","start_word":6594,"end_word":6595,"sentiment":"positive","sentiment_score":0.48903632164001465},{"text":"And then any changes to your role at work? I've got occupation as a machine operator. Have you had any promotions or still in the same employment? Same employment, no promotions, Yep. no increase. Oh, not good I know. enough. It's pretty yeah. I know. Right? And I just need to update Next of Kin contact phone number as well because I don't have that on file here. But can I grab your partner's phone number as Next of Kin as well? There we go. Yes. It's If you know it, I'm so sorry. no. No. 0439636 Yep. Yep. 482. 482. Fantastic.","start_word":6596,"end_word":6697,"sentiment":"neutral","sentiment_score":-0.010039836168289185},{"text":"Thank you for that. Beautiful.","start_word":6698,"end_word":6702,"sentiment":"positive","sentiment_score":0.5928574800491333},{"text":"And then medium term goals we had down here is that over the next to the five years, paying off personal loans and credit cards. I don't actually have any personal loans or credit cards noted down. Do you still have those debts to pay off? Nope. Nope. All done?","start_word":6703,"end_word":6752,"sentiment":"neutral","sentiment_score":-0.007176797837018967},{"text":"Perfect.","start_word":6753,"end_word":6753,"sentiment":"positive","sentiment_score":0.5688412189483643},{"text":"So goal wise, over the next one, two, three, or even ten years, what other goals do you have, if any, that you are hoping to sort of achieve? Pay off the mortgage. I have some mortgage.","start_word":6754,"end_word":6790,"sentiment":"neutral","sentiment_score":0.18407563865184784},{"text":"I love that.","start_word":6791,"end_word":6793,"sentiment":"positive","sentiment_score":0.6558607816696167},{"text":"Yep. Hopefully, we get some decreases in interest rates in that time frame. Oh, that'd be lovely. But, no, unfortunately, I don't see that happening.","start_word":6794,"end_word":6818,"sentiment":"neutral","sentiment_score":0.06004401296377182},{"text":"I just keep hearing I don't up, up, up.","start_word":6819,"end_word":6827,"sentiment":"negative","sentiment_score":-0.3644951581954956},{"text":"yeah. I know. I don't either.","start_word":6828,"end_word":6833,"sentiment":"neutral","sentiment_score":-0.2251361608505249},{"text":"I think it's just gonna can you continue to go up until we can't service loans anymore, and then it will start to decrease the way it did, and there will be a vicious cycle. It will keep doing the exact same thing for the next thirty odd years.","start_word":6834,"end_word":6882,"sentiment":"negative","sentiment_score":-0.3899305462837219},{"text":"Yeah. Yeah. Yeah. Unfortunately, yeah, it would be nice, but, Yeah.","start_word":6883,"end_word":6893,"sentiment":"neutral","sentiment_score":-0.10650401562452316},{"text":"yeah, our government keeps keeping money against the wall. Nothing's gonna change.","start_word":6894,"end_word":6905,"sentiment":"negative","sentiment_score":-0.3584141135215759},{"text":"No. I understand that. I just spent the last four weeks pulling apart legislation with all the changes from the budget with the capital gains, with the CGT, with the negative gearing, the estimate of that stuff, and all of its and pieces. I just had to pull apart all the legislation so I could change advice and alter advice in relation to it to make sure people are still meeting goals. So that's fun. Yeah.","start_word":6906,"end_word":6981,"sentiment":"neutral","sentiment_score":-0.14161305129528046},{"text":"I'm glad that's you and not me.","start_word":6982,"end_word":6988,"sentiment":"positive","sentiment_score":0.4040371775627136},{"text":"That's all I can say on that. Yeah. No. They brought that in very fast and very much out of the blue. So, yeah, it's all kinda changing over the course of the next year or two and trust in the next three years as well. So there's a lot of changes coming in that we've had to kinda factor into advice very quickly to make sure that it's all still working hard. But yeah. It'll be fine. It's what we do. The government makes decisions, and we all maneuver everything to make sure it'll still work. Yeah.","start_word":6989,"end_word":7086,"sentiment":"neutral","sentiment_score":0.0322592025052528},{"text":"Unfortunately, they make a lot of decisions that aren't good.","start_word":7087,"end_word":7096,"sentiment":"negative","sentiment_score":-0.6649445295333862},{"text":"I do. Absolutely. Absolutely. About And a now 100 that's and 30 so $2,000,000 waste on Oz Alert. Like, I hello? know. I know.","start_word":7097,"end_word":7120,"sentiment":"neutral","sentiment_score":-0.11844366043806076},{"text":"I was shocked. I actually was sick over the weekend, and I was, asleep on Monday.","start_word":7121,"end_word":7136,"sentiment":"negative","sentiment_score":-0.36423012614250183},{"text":"And I got that text message that someone woke up and went, that's right. That was occurring.","start_word":7137,"end_word":7153,"sentiment":"neutral","sentiment_score":-0.3208361268043518},{"text":"And it turns out so many people didn't get it. It didn't work properly, and I was like, well, that was a waste of time. So So we gotta get back to the drawing board and start again.","start_word":7154,"end_word":7191,"sentiment":"negative","sentiment_score":-0.5755842328071594},{"text":"More money Yeah.","start_word":7192,"end_word":7194,"sentiment":"neutral","sentiment_score":-0.1945830434560776},{"text":"No. wasted. We're we're just gonna scrap that idea and and blow over a $132,000,000 in the process.","start_word":7195,"end_word":7212,"sentiment":"negative","sentiment_score":-0.5339915156364441},{"text":"Like, Yep.","start_word":7213,"end_word":7214,"sentiment":"neutral","sentiment_score":-0.16246473789215088},{"text":"It's insane.","start_word":7215,"end_word":7216,"sentiment":"negative","sentiment_score":-0.4643436074256897},{"text":"do we not have anything better to spend a $132,000,000 on? Like, maybe Correct. increasing housing, for instance. Absolutely. I could think of No. a million things that would be much better. Oh god. Yeah. Like I said, pissing money up a wall, but with everyone else's tax money. But anyway, what Yeah. do we do? No. That's Can't it. do anything. That's it. That's it. That's it.","start_word":7217,"end_word":7284,"sentiment":"neutral","sentiment_score":-0.1729475110769272},{"text":"That's Unfortunately, we all need a a massive it.","start_word":7285,"end_word":7293,"sentiment":"negative","sentiment_score":-0.38597896695137024},{"text":"eject button and boot the whole lot of them here. That's exactly right.","start_word":7294,"end_word":7306,"sentiment":"neutral","sentiment_score":-0.25882765650749207},{"text":"Anyone who wants to be in politics should automatically be excluded from being allowed to do it. That, unfortunately, would leave us with no one, but, I mean, yeah, better than that one. It's it's insane. The people who make decisions and get in there and then tell us they're not gonna make changes, and then they change everything anyway. It's like, hang on a second. How do we trust anyone anymore?","start_word":7307,"end_word":7378,"sentiment":"negative","sentiment_score":-0.4717327058315277},{"text":"Yep.","start_word":7379,"end_word":7379,"sentiment":"neutral","sentiment_score":-0.26703080534935},{"text":"Shocking. That's exactly right. They're they're always bad at each other. They are.","start_word":7380,"end_word":7392,"sentiment":"negative","sentiment_score":-0.5434624552726746},{"text":"They absolutely are. No. Understandable. Well, I don't I do wanna let you go back and have a rest, but the last thing just to sort of double check is the profile side of things. So at the moment, you are in that growth portfolio. It's where you see 80% of your people invest in those growth assets. So, like, Australian shares, international shares, listed property, and commodities like gold and silver. And then Mhmm. the other 20 in low risk defensive investments, the things like cash, loans, and fixed interest. A growth portfolio, you're looking to try and average about nine so seven to 9% on a yearly basis. It suits someone who's not accessing their money for about six years, which you have more than that time ahead of you, and we do expect the likelihood of a negative return to be about one in every sort of five years or so. When we sort of look at that, so your time horizon for your with your stage in life, you are suited to the growth environment. Ready? But I just had a couple of questions to sort of reevaluate to make sure that that still sort of fits where you are. If we saw the markets in the next, say, twelve months or even the next one or two years drop by 20% due to what was happening globally, how do you think you might be feeling? Do you think you'd be feeling optimistic about the investment opportunities, wanting to put more money into the market and take advantage of the downtime? Are you a bit nervous maybe calling us and seeing what we suggest to do, or are you feeling very concerned and maybe wanting to sell the investment down to to cash or fund a a lower risk portfolio? How do you think you might react? If it were to downturn like that, I think I would be I would prefer to be putting more into it to, Yep. yeah, reap the benefit of when it comes back.","start_word":7393,"end_word":7735,"sentiment":"neutral","sentiment_score":-0.06572150150123908},{"text":"Absolutely. As long Perfect. as I've got time up my sleeve anyway.","start_word":7736,"end_word":7747,"sentiment":"positive","sentiment_score":0.37626156210899353},{"text":"Yeah. Yeah.","start_word":7748,"end_word":7749,"sentiment":"neutral","sentiment_score":0.26064732670783997},{"text":"Absolutely. Fantastic.","start_word":7750,"end_word":7751,"sentiment":"positive","sentiment_score":0.5929317474365234},{"text":"The next question here is, have you ever thought about taking out a loan in order to invest in shares or managed funds? Do you feel like you'd be comfortable if you have the right advice? Do you think borrowing to invest in those sorts of investments is probably too risky, or would you just never do it? You would only ever borrow for, say, buying property. How do you think you feel? I probably would with the right advice. Mhmm. Yep.","start_word":7752,"end_word":7833,"sentiment":"neutral","sentiment_score":-0.05763439652396411},{"text":"Perfect. Lovely.","start_word":7834,"end_word":7835,"sentiment":"positive","sentiment_score":0.47153693437576294},{"text":"Have you ever owned investments like shares in your own name in the car? No. No. That's okay.","start_word":7836,"end_word":7853,"sentiment":"neutral","sentiment_score":0.04934811219573021},{"text":"Beautiful.","start_word":7854,"end_word":7854,"sentiment":"positive","sentiment_score":0.5278163552284241},{"text":"The other one I've ticked off here is that you're looking to try and get the best return you possibly can, say 8% and above on a yearly basis. That sounds about right.","start_word":7855,"end_word":7887,"sentiment":"neutral","sentiment_score":0.17476093769073486},{"text":"You're happy for me to tick that Yep.","start_word":7888,"end_word":7895,"sentiment":"positive","sentiment_score":0.34430885314941406},{"text":"box? Yeah.","start_word":7896,"end_word":7897,"sentiment":"neutral","sentiment_score":0.19263970851898193},{"text":"Beautiful. Excellent.","start_word":7898,"end_word":7899,"sentiment":"positive","sentiment_score":0.4515534639358521},{"text":"So, realistically, the risk level with the the growth portfolio, if you think of risk out of another between one and five, one being all in cash, not taking much risk in the market, five being the highest level of risk, all in equities, you're sitting at about a three. So you are kinda middle of the range. Do you feel like that's fairly comfortable for where you are? You sort of scored in that range so that growth portfolio does suit you, but just making sure you're fairly comfortable in that range. Yeah. Yep.","start_word":7900,"end_word":7994,"sentiment":"neutral","sentiment_score":0.04711974039673805},{"text":"Beautiful. Excellent. Lovely.","start_word":7995,"end_word":7997,"sentiment":"positive","sentiment_score":0.4172596335411072},{"text":"Well, what I'll do is I'll reassess the insurances. I'll go back and see what I can find for you. We'll update the advice to reflect. I will also just go back and look at the super, the investments, how everything's performing between your BP super, your old Asgard super, and also hub. Look at consolidating everything over and look at what we can do to get that sorted for you. I'll update the advice. It takes about four weeks for me to complete that now for you. Am I okay to book you in now for, say, in four weeks to go through that with you, Steven? Yeah. Yeah. That's fine. Yeah. Beautiful. So that brings us up until oh, that's the August 27. Is what day normally suits you better through the week to go through this? Monday to Thursday? Yeah. Either a Monday or a Thursday is probably the better sorry. Monday or Wednesday is probably the better oh, actually, no. Let's go Monday or Thursday is probably the better day. Yeah. Absolutely. And is it sort of afternoon after, say, three, four, or Yeah. 05:00 that works better for you? Yeah. Yep.","start_word":7998,"end_word":8193,"sentiment":"neutral","sentiment_score":0.08258819367204394},{"text":"Beautiful.","start_word":8194,"end_word":8194,"sentiment":"positive","sentiment_score":0.46641165018081665},{"text":"What if I put you in for Monday, August 24? I can book it out for, say, four or 05:00. What would you prefer? Probably five would be better. Yep.","start_word":8195,"end_word":8224,"sentiment":"neutral","sentiment_score":0.10692725330591202},{"text":"Perfect. Easy done. I'll book that out there for you.","start_word":8225,"end_word":8234,"sentiment":"positive","sentiment_score":0.6348563432693481},{"text":"It is a couple of weeks away, so I'll add a text message reminder so it sends you a message today of to let you know that you are booked in. And if anything comes up, if you find you can't make that appointment, that's okay. Just let us know.","start_word":8235,"end_word":8284,"sentiment":"neutral","sentiment_score":0.21968187391757965},{"text":"We'll happily reschedule it.","start_word":8285,"end_word":8288,"sentiment":"positive","sentiment_score":0.4371570944786072},{"text":"No issues at all. But I just wanna make sure I have you in and booked in ready to go through that one in about four weeks, and I'll just complete the research in the meantime there. Okay? Okay. And just prior Beautiful. to that call, I will receive Yep. that information for me to review prior to or Yeah. or Absolutely. the time If off? you like well Okay. yeah. Normally, we said at the time of, but what I can do is I can let my team know that we need all of that done on the Thursday prior, and I can email it to you on the Thursday. That way, you can read through the document, then we can go through it together, and you can Yep. have any questions pre prepared to make it easier on you. Okay? Yeah. That might yeah. That that might be good. Yeah. That's okay. It is a lot to go through. If you remember the last statement of advice, there's a lot of sections. So if I have it Yep. sent to you on the Thursday prior, that way you can go through it over the course of the weekend. And then on the Monday afternoon, we can talk it through. Okay?","start_word":8289,"end_word":8500,"sentiment":"neutral","sentiment_score":0.1708410680294037},{"text":"Sounds Easy. All good.","start_word":8501,"end_word":8504,"sentiment":"positive","sentiment_score":0.5474947690963745},{"text":"Is there any questions that you might have for me? Anything you think I maybe haven't touched base on or wanted to kind of ask me as part of the call? good. No. I think we're pretty well Yeah. covered, I think.","start_word":8505,"end_word":8546,"sentiment":"neutral","sentiment_score":0.07501753100327083},{"text":"Yeah. Beautiful. Excellent.","start_word":8547,"end_word":8549,"sentiment":"positive","sentiment_score":0.6123258471488953},{"text":"Well, if there's anything further or I need any additional information, I'll make sure my team come back and ask. In the meantime, I'll get exactly to that research for you, and I'll aim to have it all sorted and ready to go on the Thursday, the twentieth. That way, I can email it through to you before the call. Okay?","start_word":8550,"end_word":8610,"sentiment":"neutral","sentiment_score":0.1762070208787918},{"text":"Alright. Amazing. Yes. Easy.","start_word":8611,"end_word":8614,"sentiment":"positive","sentiment_score":0.41648414731025696},{"text":"If you need extra time, just let me know and we can readjust from there. No worries at all.","start_word":8615,"end_word":8633,"sentiment":"neutral","sentiment_score":0.14928822219371796},{"text":"Thank you so much for taking my call. I hope you feel better.","start_word":8634,"end_word":8646,"sentiment":"positive","sentiment_score":0.6178419589996338},{"text":"If you can Thanks. just You take too. some time to thank you. Take some time to have a look at the annual review documents.","start_word":8647,"end_word":8671,"sentiment":"neutral","sentiment_score":0.20778287947177887},{"text":"Once you're happy to sign and return them back to me, if you can do so, that would be fantastic, and we'll get everything sorted for you.","start_word":8672,"end_word":8698,"sentiment":"positive","sentiment_score":0.417253851890564},{"text":"And I'll get those beneficiary nominations sent out to you ASAP as well. Okay. Okay. Those last ones that you about signing, is that what's that? Is that the That's one that the you ongoing sent out this afternoon? yeah. Yeah. That's the Yeah. ongoing Yeah. I service get agreement. Yeah. Yeah. it. Mhmm. Okay. That that's cool. Sorry. My brain is, yeah, waterlogged You're at the you moment. are you are absolutely fine. It sounds like you're ready for bed, and I've taken up way too much of your time.","start_word":8699,"end_word":8789,"sentiment":"neutral","sentiment_score":0.014655315317213535},{"text":"But I really appreciate you taking my call this afternoon.","start_word":8790,"end_word":8799,"sentiment":"positive","sentiment_score":0.3816147744655609},{"text":"I hope you feel Not at better all. soon.","start_word":8800,"end_word":8808,"sentiment":"neutral","sentiment_score":-0.06453455239534378},{"text":"It's amazing. Thank you. Thanks, David. Talk to you soon. Have a good afternoon.","start_word":8809,"end_word":8822,"sentiment":"positive","sentiment_score":0.4885098040103912},{"text":"You too.","start_word":8823,"end_word":8824,"sentiment":"neutral","sentiment_score":0.25163891911506653},{"text":"Thanks. Thanks.","start_word":8825,"end_word":8826,"sentiment":"positive","sentiment_score":0.35915297269821167},{"text":"Bye. Bye.","start_word":8827,"end_word":8828,"sentiment":"neutral","sentiment_score":0.18631260097026825}],"average":{"sentiment":"neutral","sentiment_score":0.0178852990308978}}}}