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You had a question about withdrawing from super and just maybe a couple of updates as well. Before I jump into it with you, do you mind if I just go through a quick security check with you? Do you mind if I just go through a security check with you before we jump in? Beautiful. Just need date of birth and address for me, please. Yep. Sensational. And I'm registered with Asnic as adviser one two seven three one zero five. Nick, so main thing at the moment is you from what I can kind of see is you're kind of just relying a bit on the super at the moment while you're crook to kind of get you through until you can get the pension kind of thing. Does that sound about right? Yeah. You said you'd done your knees a little bit. They're not they're not what they were. I don't know if you saw. It might be a bit too late, but they're talking about the government's talking about dropping the age pension age for blue collar workers because it's a bit hard for them to work to bloody 70 with their knees and shoulders going. So when it No. Look. If anything happens, they'll probably take their sweet time. Might be six to eighteen months kind of thing, but either way, it might be good. Now when it comes to the super, I know you've already sort of withdrawn 30,000 to clear out the credit cards and everything. What are you thinking at the moment? Yep. Cool. Do you feel like you need a, like, a lump sum, a big amount, or do you want, like, a bit of a monthly payment coming out or a bit of both? Yeah. Cool. How much do you need? 40. Okay. So same process as last time. What I can do is I can send you through a bit of a transaction authority, and we can get the transactions going, same as we did in January for you. Yes. Exactly that. So I can get that drafted up and sorted this week for you. Usual thing is once that's signed, we do the sell downs this week, and then hopefully, we can try and process something this week, but possibly next week, just end of financial year, they're still a bit behind on payments. Is that alright? Beautiful. Beautiful. And then just with with us as well, I was gonna send you a bit of a pack just with an update on the super. I know that you're kind of not really due for your review for a few months, but I can kind of cover off on it today if you've got time, or we can just catch up a little bit down the line. Yeah. Cool. Cool. Alrighty. So there was a couple of things I wanted to look at with you because you're in a pretty safe defensive portfolio, nice and conservative for you. Returns have been pretty good in January, but, obviously, market's been taking a bit of a tumble. So I'm just keeping an eye on a couple of things that I think I wanna switch around in a couple of months' time. Awesome. So what I'll do is I'll get that drawn up for you. I'll I'll try and get it done today, but I just there's a few people out sick today, so it might be tomorrow if that's alright. Just gotta get done. Yep. Yeah. And the only thing is too, because you're you're off work now and you've hit 65, technically, it's like you you've hit a full condition of release for the super. So I was thinking of maybe converting the super over to, like, a pension account. And that way, if you need to, we can start sort of dropping out some monthly payments to you if that that would be helpful. I don't know. Cool. Because one of the things is if you let's say you only needed $10.20 grand, I can kind of say, okay. Here's a lump sum to pay for this stuff, and then you tell me what you need on a monthly basis, and I can kind of get that going and give you an update on, like, how long that might last for. Yep. So would you rather do that on our next catch up, sort of organize a bit of a discussion about that? Beautiful. Beautiful. The only other thing too yeah. All the same time. Beauty. Cool. Good, Sean. Where are you off to for the next trip once you get it all fixed up? Okay. It's a bit of a far trip. You know pretty well. Yeah. Awesome. Alright. Well, I'll get that organized for you, mate. And the only other thing too is that we've just in the end of May, we've just gone past the reference date for the services with Oakview. So I was gonna maybe send you out just an updated agreement for the next twelve months if you're comfortable with us. Beautiful. Do you mind if I put them just both in the same email, or do would you like them separately? Cool. Alright. That's Fair enough. And you're okay with our PDF DocuSign thing? Beautiful. Well, mate, there's no change to the fees with us. We're still the 1.65 percent. And like I said, I've put in for a bit of a catch up in a couple of months to look at the flipping it over into a pension and fix up the portfolio a little bit. Awesome, Nick. Anything else I can do for you before I let you go? Beautiful. Alright. I'll get those emails off to you. And any dramas, just give us a bell. Thank you. 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Nick. Tommy here, senior adviser from Oakview Financial. How are you doing today? That that's fair enough, mate. I was just giving you a buzz to go through.\n\nYou had a question about withdrawing from super and just maybe a couple of updates as well. Before I jump into it with you, do you mind if I just go through a quick security check with you? Do you mind if I just go through a security check with you before we jump in? Beautiful. Just need date of birth and address for me, please.\n\nYep. Sensational. And I'm registered with Asnic as adviser one two seven three one zero five. Nick, so main thing at the moment is you from what I can kind of see is you're kind of just relying a bit on the super at the moment while you're crook to kind of get you through until you can get the pension kind of thing. Does that sound about right?\n\nYeah. You said you'd done your knees a little bit. They're not they're not what they were. I don't know if you saw. It might be a bit too late, but they're talking about the government's talking about dropping the age pension age for blue collar workers because it's a bit hard for them to work to bloody 70 with their knees and shoulders going.\n\nSo when it No. Look. If anything happens, they'll probably take their sweet time. Might be six to eighteen months kind of thing, but either way, it might be good. Now when it comes to the super, I know you've already sort of withdrawn 30,000 to clear out the credit cards and everything.\n\nWhat are you thinking at the moment? Yep. Cool. Do you feel like you need a, like, a lump sum, a big amount, or do you want, like, a bit of a monthly payment coming out or a bit of both? Yeah.\n\nCool. How much do you need? 40. Okay. So same process as last time.\n\nWhat I can do is I can send you through a bit of a transaction authority, and we can get the transactions going, same as we did in January for you. Yes. Exactly that. So I can get that drafted up and sorted this week for you. Usual thing is once that's signed, we do the sell downs this week, and then hopefully, we can try and process something this week, but possibly next week, just end of financial year, they're still a bit behind on payments.\n\nIs that alright? Beautiful. Beautiful. And then just with with us as well, I was gonna send you a bit of a pack just with an update on the super. I know that you're kind of not really due for your review for a few months, but I can kind of cover off on it today if you've got time, or we can just catch up a little bit down the line.\n\nYeah. Cool. Cool. Alrighty. So there was a couple of things I wanted to look at with you because you're in a pretty safe defensive portfolio, nice and conservative for you.\n\nReturns have been pretty good in January, but, obviously, market's been taking a bit of a tumble. So I'm just keeping an eye on a couple of things that I think I wanna switch around in a couple of months' time. Awesome. So what I'll do is I'll get that drawn up for you. I'll I'll try and get it done today, but I just there's a few people out sick today, so it might be tomorrow if that's alright.\n\nJust gotta get done. Yep. Yeah. And the only thing is too, because you're you're off work now and you've hit 65, technically, it's like you you've hit a full condition of release for the super. So I was thinking of maybe converting the super over to, like, a pension account.\n\nAnd that way, if you need to, we can start sort of dropping out some monthly payments to you if that that would be helpful. I don't know. Cool. Because one of the things is if you let's say you only needed $10.20 grand, I can kind of say, okay. Here's a lump sum to pay for this stuff, and then you tell me what you need on a monthly basis, and I can kind of get that going and give you an update on, like, how long that might last for.\n\nYep. So would you rather do that on our next catch up, sort of organize a bit of a discussion about that? Beautiful. Beautiful. The only other thing too yeah.\n\nAll the same time. Beauty. Cool. Good, Sean. Where are you off to for the next trip once you get it all fixed up?\n\nOkay. It's a bit of a far trip. You know pretty well. Yeah. Awesome.\n\nAlright. Well, I'll get that organized for you, mate. And the only other thing too is that we've just in the end of May, we've just gone past the reference date for the services with Oakview. So I was gonna maybe send you out just an updated agreement for the next twelve months if you're comfortable with us. Beautiful.\n\nDo you mind if I put them just both in the same email, or do would you like them separately? Cool. Alright. That's Fair enough. And you're okay with our PDF DocuSign thing?\n\nBeautiful. Well, mate, there's no change to the fees with us. We're still the 1.65 percent. And like I said, I've put in for a bit of a catch up in a couple of months to look at the flipping it over into a pension and fix up the portfolio a little bit. Awesome, Nick.\n\nAnything else I can do for you before I let you go? Beautiful. Alright. I'll get those emails off to you. And any dramas, just give us a bell.\n\nThank you. Talk to you soon.","paragraphs":[{"sentences":[{"text":"Hi, Nick.","start":4.24,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.21509799361228943},{"text":"Tommy here, senior adviser from Oakview Financial.","start":4.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.251372258578028},{"text":"How are you doing today?","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.31093080043792726},{"text":"That that's fair enough, mate.","start":13.36,"end":16.015,"sentiment":"neutral","sentiment_score":0.056199155002832415},{"text":"I was just giving you a buzz to go through.","start":16.015,"end":17.935001,"sentiment":"neutral","sentiment_score":0.12946088016033172}],"sentiment":"neutral","sentiment_score":0.18345035779578933,"num_words":29,"start":4.24,"end":17.935001},{"sentences":[{"text":"You had a question about withdrawing from super and just maybe a couple of updates as 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please.","start":36.02,"end":38.44,"sentiment":"neutral","sentiment_score":0.1391149640083313}],"sentiment":"neutral","sentiment_score":0.06905123611178363,"num_words":66,"start":17.935001,"end":38.44},{"sentences":[{"text":"Yep.","start":42.02,"end":42.315,"sentiment":"neutral","sentiment_score":0.024816786870360374},{"text":"Sensational.","start":48.954998,"end":49.454998,"sentiment":"neutral","sentiment_score":0.10419514030218124},{"text":"And I'm registered with Asnic as adviser one two seven three one zero five.","start":49.754997,"end":53.534996,"sentiment":"neutral","sentiment_score":0.05938297270664147},{"text":"Nick, so main thing at the moment is you from what I can kind of see is you're kind of just relying a bit on the super at the moment while you're crook to kind of get you through until you can get the pension kind of thing.","start":54.155,"end":65.0,"sentiment":"neutral","sentiment_score":-0.058751938360122345},{"text":"Does that sound about right?","start":65.0,"end":66.3,"sentiment":"neutral","sentiment_score":-0.01256115585565567}],"sentiment":"neutral","sentiment_score":-0.027862685152154038,"num_words":69,"start":42.02,"end":66.3},{"sentences":[{"text":"Yeah.","start":73.32,"end":73.64,"sentiment":"neutral","sentiment_score":-0.08567449450492859},{"text":"You said you'd done your knees a little bit.","start":73.64,"end":75.455,"sentiment":"neutral","sentiment_score":-0.11031262990501192},{"text":"They're not they're not what they were.","start":75.455,"end":78.115005,"sentiment":"neutral","sentiment_score":-0.07167364603706769},{"text":"I don't know if you saw.","start":81.935005,"end":83.055,"sentiment":"neutral","sentiment_score":-0.038357289507985115},{"text":"It might be a bit too late, but they're talking about the government's talking about dropping the age pension age for blue collar workers because it's a bit hard for them to work to bloody 70 with their knees and shoulders going.","start":83.055,"end":93.24,"sentiment":"neutral","sentiment_score":-0.20212526637173833}],"sentiment":"neutral","sentiment_score":-0.15845551708569894,"num_words":65,"start":73.32,"end":93.24},{"sentences":[{"text":"So when it No.","start":96.18,"end":98.42,"sentiment":"neutral","sentiment_score":-0.15680628456175327},{"text":"Look.","start":98.42,"end":98.92,"sentiment":"neutral","sentiment_score":-0.1803256869316101},{"text":"If anything happens, they'll probably take their sweet time.","start":99.14,"end":101.86,"sentiment":"neutral","sentiment_score":-0.20371164712640974},{"text":"Might be six to eighteen months kind of thing, but either way, it might be good.","start":101.86,"end":106.535,"sentiment":"neutral","sentiment_score":-0.04894283460453153},{"text":"Now when it comes to the super, I know you've already sort of withdrawn 30,000 to clear out the credit cards and everything.","start":107.395004,"end":113.335,"sentiment":"neutral","sentiment_score":-0.00961935892701149}],"sentiment":"neutral","sentiment_score":-0.06877898600585056,"num_words":53,"start":96.18,"end":113.335},{"sentences":[{"text":"What are you thinking at the moment?","start":113.555,"end":115.175,"sentiment":"neutral","sentiment_score":-0.0000452485733798572},{"text":"Yep.","start":131.65,"end":132.045,"sentiment":"neutral","sentiment_score":-0.03485136479139328},{"text":"Cool.","start":135.885,"end":136.285,"sentiment":"neutral","sentiment_score":0.168917715549469},{"text":"Do you feel like you need a, like, a lump sum, a big amount, or do you want, like, a bit of a monthly payment coming out or a bit of both?","start":136.285,"end":143.505,"sentiment":"neutral","sentiment_score":0.0922756486106664},{"text":"Yeah.","start":145.245,"end":145.565,"sentiment":"neutral","sentiment_score":0.11705432087183}],"sentiment":"neutral","sentiment_score":0.07627677826565646,"num_words":42,"start":113.555,"end":145.565},{"sentences":[{"text":"Cool.","start":145.565,"end":146.045,"sentiment":"neutral","sentiment_score":0.21767887473106384},{"text":"How much do you need?","start":146.045,"end":149.18333,"sentiment":"neutral","sentiment_score":0.06510450690984726},{"text":"40.","start":149.75,"end":150.25,"sentiment":"neutral","sentiment_score":0.023089811205863953},{"text":"Okay.","start":150.39,"end":150.89,"sentiment":"neutral","sentiment_score":0.05260791629552841},{"text":"So same process as last time.","start":151.11,"end":153.03,"sentiment":"neutral","sentiment_score":0.0716237078110377}],"sentiment":"neutral","sentiment_score":0.07490295597485133,"num_words":14,"start":145.565,"end":153.03},{"sentences":[{"text":"What I can do is I can send you through a bit of a transaction authority, and we can get the transactions going, same as we did in January for you.","start":153.03,"end":164.645,"sentiment":"neutral","sentiment_score":0.07195268973948495},{"text":"Yes.","start":165.585,"end":166.085,"sentiment":"neutral","sentiment_score":0.045359205454587936},{"text":"Exactly that.","start":166.145,"end":166.865,"sentiment":"neutral","sentiment_score":0.05431267432868481},{"text":"So I can get that drafted up and sorted this week for you.","start":166.865,"end":169.925,"sentiment":"neutral","sentiment_score":0.06265378858034427},{"text":"Usual thing is once that's signed, we do the sell downs this week, and then hopefully, we can try and process something this week, but possibly next week, just end of financial year, they're still a bit behind on payments.","start":170.30501,"end":180.18999,"sentiment":"neutral","sentiment_score":-0.08515640324912965}],"sentiment":"neutral","sentiment_score":-0.0023820568090197683,"num_words":87,"start":153.03,"end":180.18999},{"sentences":[{"text":"Is that alright?","start":182.17,"end":182.98999,"sentiment":"neutral","sentiment_score":-0.0031112302094697952},{"text":"Beautiful.","start":186.17,"end":186.65,"sentiment":"positive","sentiment_score":0.7287479639053345},{"text":"Beautiful.","start":186.65,"end":187.04999,"sentiment":"positive","sentiment_score":0.698173999786377},{"text":"And then just with with us as well, I was gonna send you a bit of a pack just with an update on the super.","start":187.04999,"end":193.23499,"sentiment":"neutral","sentiment_score":0.20472770690917969},{"text":"I know that you're kind of not really due for your review for a few months, but I can kind of cover off on it today if you've got time, or we can just catch up a little bit down the line.","start":193.775,"end":202.56999,"sentiment":"neutral","sentiment_score":-0.025677803194239027}],"sentiment":"neutral","sentiment_score":0.07579601682826048,"num_words":72,"start":182.17,"end":202.56999},{"sentences":[{"text":"Yeah.","start":205.43,"end":205.82999,"sentiment":"neutral","sentiment_score":0.14363765716552734},{"text":"Cool.","start":205.82999,"end":206.15,"sentiment":"neutral","sentiment_score":0.32022732496261597},{"text":"Cool.","start":206.15,"end":206.65,"sentiment":"neutral","sentiment_score":0.2768077254295349},{"text":"Alrighty.","start":207.03,"end":207.53,"sentiment":"neutral","sentiment_score":0.015773987397551537},{"text":"So there was a couple of things I wanted to look at with you because you're in a pretty safe defensive portfolio, nice and conservative for you.","start":207.67,"end":214.305,"sentiment":"neutral","sentiment_score":0.2299812709291776}],"sentiment":"neutral","sentiment_score":0.22470777451751694,"num_words":31,"start":205.43,"end":214.305},{"sentences":[{"text":"Returns have been pretty good in January, but, obviously, market's been taking a bit of a tumble.","start":215.34499,"end":219.605,"sentiment":"neutral","sentiment_score":-0.08846482766025207},{"text":"So I'm just keeping an eye on a couple of things that I think I wanna switch around in a couple of months' time.","start":219.665,"end":224.405,"sentiment":"neutral","sentiment_score":0.0733642727136612},{"text":"Awesome.","start":225.98499,"end":226.385,"sentiment":"positive","sentiment_score":0.4266997575759888},{"text":"So what I'll do is I'll get that drawn up for you.","start":226.385,"end":230.03,"sentiment":"neutral","sentiment_score":0.23758258670568466},{"text":"I'll I'll try and get it done today, but I just there's a few people out sick today, so it might be tomorrow if that's alright.","start":230.56999,"end":235.87,"sentiment":"neutral","sentiment_score":-0.003859264059708669}],"sentiment":"neutral","sentiment_score":0.042927380092442034,"num_words":80,"start":215.34499,"end":235.87},{"sentences":[{"text":"Just gotta get done.","start":240.40999,"end":241.365,"sentiment":"neutral","sentiment_score":-0.01856053527444601},{"text":"Yep.","start":252.16501,"end":252.66501,"sentiment":"neutral","sentiment_score":0.03284310922026634},{"text":"Yeah.","start":253.205,"end":253.52501,"sentiment":"neutral","sentiment_score":0.05440109223127365},{"text":"And the only thing is too, because you're you're off work now and you've hit 65, technically, it's like you you've hit a full condition of release for the super.","start":253.52501,"end":263.13998,"sentiment":"neutral","sentiment_score":-0.018284983622531097},{"text":"So I was thinking of maybe converting the super over to, like, a pension account.","start":263.44,"end":268.005,"sentiment":"neutral","sentiment_score":0.040492254743973416}],"sentiment":"neutral","sentiment_score":0.0014085563301455741,"num_words":51,"start":240.40999,"end":268.005},{"sentences":[{"text":"And that way, if you need to, we can start sort of dropping out some monthly payments to you if that that would be helpful.","start":268.165,"end":273.765,"sentiment":"neutral","sentiment_score":0.09196049198508263},{"text":"I don't know.","start":273.765,"end":274.585,"sentiment":"neutral","sentiment_score":-0.04089356648425261},{"text":"Cool.","start":276.965,"end":277.465,"sentiment":"neutral","sentiment_score":0.3010517954826355},{"text":"Because one of the things is if you let's say you only needed $10.20 grand, I can kind of say, okay.","start":277.845,"end":282.64502,"sentiment":"neutral","sentiment_score":0.10419555930864244},{"text":"Here's a lump sum to pay for this stuff, and then you tell me what you need on a monthly basis, and I can kind of get that going and give you an update on, like, how long that might last for.","start":282.64502,"end":292.08002,"sentiment":"neutral","sentiment_score":0.1135516216357549}],"sentiment":"neutral","sentiment_score":0.1025506331504363,"num_words":92,"start":268.165,"end":292.08002},{"sentences":[{"text":"Yep.","start":293.82,"end":294.32,"sentiment":"neutral","sentiment_score":0.1262134611606598},{"text":"So would you rather do that on our next catch up, sort of organize a bit of a discussion about that?","start":294.38,"end":303.07864,"sentiment":"neutral","sentiment_score":0.07456415900517077},{"text":"Beautiful.","start":303.1248,"end":303.6248,"sentiment":"positive","sentiment_score":0.5851464867591858},{"text":"Beautiful.","start":303.6709,"end":304.1709,"sentiment":"positive","sentiment_score":0.5526676177978516},{"text":"The only other thing too yeah.","start":304.21704,"end":307.99387,"sentiment":"neutral","sentiment_score":-0.050231165873507656}],"sentiment":"neutral","sentiment_score":0.08428293031950791,"num_words":30,"start":293.82,"end":307.99387},{"sentences":[{"text":"All the same time.","start":317.24002,"end":319.74002,"sentiment":"neutral","sentiment_score":0.01021370105445385},{"text":"Beauty.","start":320.68,"end":321.18,"sentiment":"neutral","sentiment_score":0.1936374008655548},{"text":"Cool.","start":326.315,"end":326.475,"sentiment":"positive","sentiment_score":0.3683338761329651},{"text":"Good, Sean.","start":326.475,"end":326.95502,"sentiment":"positive","sentiment_score":0.35551247000694275},{"text":"Where are you off to for the next trip once you get it all fixed up?","start":326.95502,"end":329.695,"sentiment":"neutral","sentiment_score":0.09825796727091074}],"sentiment":"neutral","sentiment_score":0.12024910406519969,"num_words":24,"start":317.24002,"end":329.695},{"sentences":[{"text":"Okay.","start":335.37,"end":335.87,"sentiment":"neutral","sentiment_score":0.007800492458045483},{"text":"It's a bit of a far trip.","start":339.44998,"end":340.99,"sentiment":"neutral","sentiment_score":-0.020931243896484375},{"text":"You know pretty well.","start":346.41,"end":347.715,"sentiment":"neutral","sentiment_score":0.06410034606233239},{"text":"Yeah.","start":352.655,"end":353.055,"sentiment":"neutral","sentiment_score":0.15456625819206238},{"text":"Awesome.","start":353.055,"end":353.555,"sentiment":"positive","sentiment_score":0.3578745126724243}],"sentiment":"neutral","sentiment_score":0.045008852878319364,"num_words":14,"start":335.37,"end":353.555},{"sentences":[{"text":"Alright.","start":353.695,"end":354.095,"sentiment":"neutral","sentiment_score":0.19421347975730896},{"text":"Well, I'll get that organized for you, mate.","start":354.095,"end":355.615,"sentiment":"neutral","sentiment_score":0.23827465251088142},{"text":"And the only other thing too is that we've just in the end of May, we've just gone past the reference date for the services with Oakview.","start":355.615,"end":363.87,"sentiment":"neutral","sentiment_score":0.07009707418856798},{"text":"So I was gonna maybe send you out just an updated agreement for the next twelve months if you're comfortable with us.","start":364.25,"end":369.79,"sentiment":"neutral","sentiment_score":0.0927673913538456},{"text":"Beautiful.","start":373.46503,"end":373.86502,"sentiment":"neutral","sentiment_score":0.29796716570854187}],"sentiment":"neutral","sentiment_score":0.10732002505811594,"num_words":59,"start":353.695,"end":373.86502},{"sentences":[{"text":"Do you mind if I put them just both in the same email, or do would you like them separately?","start":373.86502,"end":377.48502,"sentiment":"neutral","sentiment_score":0.05418771486729383},{"text":"Cool.","start":381.545,"end":381.945,"sentiment":"neutral","sentiment_score":-0.042611174285411835},{"text":"Alright.","start":381.945,"end":382.445,"sentiment":"neutral","sentiment_score":-0.0002250062971143052},{"text":"That's Fair enough.","start":384.665,"end":385.66,"sentiment":"neutral","sentiment_score":0.07140456885099411},{"text":"And you're okay with our PDF DocuSign thing?","start":386.19998,"end":389.58,"sentiment":"neutral","sentiment_score":0.07293364126235247}],"sentiment":"neutral","sentiment_score":0.05571518040651978,"num_words":33,"start":373.86502,"end":389.58},{"sentences":[{"text":"Beautiful.","start":391.96,"end":392.36,"sentiment":"positive","sentiment_score":0.3688153624534607},{"text":"Well, mate, there's no change to the fees with us.","start":392.36,"end":394.6,"sentiment":"neutral","sentiment_score":0.10920066125690937},{"text":"We're still the 1.65 percent.","start":394.6,"end":396.62,"sentiment":"neutral","sentiment_score":0.14238384366035461},{"text":"And like I said, I've put in for a bit of a catch up in a couple of months to look at the flipping it over into a pension and fix up the portfolio a little bit.","start":397.24,"end":406.77963,"sentiment":"neutral","sentiment_score":0.0350112350707924},{"text":"Awesome, Nick.","start":406.77963,"end":407.4738,"sentiment":"positive","sentiment_score":0.3879169225692749}],"sentiment":"neutral","sentiment_score":0.0771634679287672,"num_words":55,"start":391.96,"end":407.4738},{"sentences":[{"text":"Anything else I can do for you before I let you go?","start":407.4738,"end":411.63882,"sentiment":"neutral","sentiment_score":0.14400295292337736},{"text":"Beautiful.","start":411.63882,"end":411.9859,"sentiment":"positive","sentiment_score":0.7760289907455444},{"text":"Alright.","start":411.9859,"end":412.333,"sentiment":"positive","sentiment_score":0.4840146899223328},{"text":"I'll get those emails off to you.","start":412.333,"end":414.7626,"sentiment":"positive","sentiment_score":0.506652227469853},{"text":"And any dramas, just give us a bell.","start":414.7626,"end":419.27094,"sentiment":"neutral","sentiment_score":0.21979405404999852}],"sentiment":"neutral","sentiment_score":0.2859654186357712,"num_words":29,"start":407.4738,"end":419.27094},{"sentences":[{"text":"Thank you.","start":419.27094,"end":419.75095,"sentiment":"positive","sentiment_score":0.6769154071807861},{"text":"Talk to you soon.","start":419.75095,"end":420.73093,"sentiment":"positive","sentiment_score":0.49462687969207764}],"sentiment":"positive","sentiment_score":0.5553897221883138,"num_words":6,"start":419.27094,"end":420.73093}]}}]},{"alternatives":[{"transcript":"Hello? No. It's too bad, mate. The crook. If not, I'm alright. Pardon? Yeah. Yeah. You're alright, mate. Gotta be alright. 06/30/6961 41 Slash 1350 Princes Highway, Heathcote, New South Wales 2233. Yeah. Yeah. Well, I'm not working anymore, but I just like I'm I'm I'm just in the hazard on a building site now at my age. Yeah. I mean, he's an accurate receipt. An accurate k. Well, I haven't heard nothing about it. Yeah. Well, I just want some money to I wanna do a bit of traveling. I wanna get my caravan fixed. I've just come back from my mom's away, and I've got bad water freaking pipe work on it. It's leaking water when I open up to the mines. I gotta get that fixed and then and probably do a bit of traveling. Just the one time. So it's probably 40. Yeah. Just the TDS thing I signed off on. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's fine, mate. That's fine. Yeah. Yeah. I'll catch up a little bit down the line, mate. Yes. Yes. Yeah. Yeah. Yeah. That's fine, mate. There's no there's no great area. It's just so I can I just said I've got a I've got a mob coming out tomorrow? He's coming tomorrow to look at the van. So I just need to so I probably have to go back in the Jayco to get fixed. That's all. Yeah. That'd be a great idea. Yes. Yes. Yes. Alright. Yeah. No worries. Yeah. We'll do that on the next catch up. We'll do it on the next catch up. Yeah. So I just got I've got a lot of me played at the moment. Like, me that caravan's flying up. Me can't need somebody service again. I know. Just so I can everything's catching up on me. Yeah. Yeah. I know. I was waiting. Enjoys of life caravanning. I don't know. I've seen them going up WA down the bottom end of WA, Albany, Esperance. Yeah. It's I've I've worked there for years down in WA down the bottom end. Yeah. No. It's not freaking worst stretch is the Nullarbor. That's all. Yeah. K. Yeah. Yeah. Yeah. It's fine, ma'am. No problem. Just put them in the same email, mate. That's fine. No point breaking your fingers doing too. Yeah. Yeah. Yeah. K. Yep. Yep. No worries. No. No. That's it, mate. No worries, Mike. Thank you. See you. 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No. It's too bad, mate. The crook. If not, I'm alright.\n\nPardon? Yeah. Yeah. You're alright, mate. Gotta be alright.\n\n06/30/6961 41 Slash 1350 Princes Highway, Heathcote, New South Wales 2233. Yeah. Yeah. Well, I'm not working anymore, but I just like I'm I'm I'm just in the hazard on a building site now at my age. Yeah.\n\nI mean, he's an accurate receipt. An accurate k. Well, I haven't heard nothing about it. Yeah. Well, I just want some money to I wanna do a bit of traveling.\n\nI wanna get my caravan fixed. I've just come back from my mom's away, and I've got bad water freaking pipe work on it. It's leaking water when I open up to the mines. I gotta get that fixed and then and probably do a bit of traveling. Just the one time.\n\nSo it's probably 40. Yeah. Just the TDS thing I signed off on. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's fine, mate.\n\nThat's fine. Yeah. Yeah. I'll catch up a little bit down the line, mate. Yes.\n\nYes. Yeah. Yeah. Yeah. That's fine, mate.\n\nThere's no there's no great area. It's just so I can I just said I've got a I've got a mob coming out tomorrow? He's coming tomorrow to look at the van. So I just need to so I probably have to go back in the Jayco to get fixed. That's all.\n\nYeah. That'd be a great idea. Yes. Yes. Yes.\n\nAlright. Yeah. No worries. Yeah. We'll do that on the next catch up.\n\nWe'll do it on the next catch up. Yeah. So I just got I've got a lot of me played at the moment. Like, me that caravan's flying up. Me can't need somebody service again.\n\nI know. Just so I can everything's catching up on me. Yeah. Yeah. I know.\n\nI was waiting. Enjoys of life caravanning. I don't know. I've seen them going up WA down the bottom end of WA, Albany, Esperance. Yeah.\n\nIt's I've I've worked there for years down in WA down the bottom end. Yeah. No. It's not freaking worst stretch is the Nullarbor. That's all.\n\nYeah. K. Yeah. Yeah. Yeah.\n\nIt's fine, ma'am. No problem. Just put them in the same email, mate. That's fine. No point breaking your fingers doing too.\n\nYeah. Yeah. Yeah. K. Yep.\n\nYep. No worries. No. No. That's it, mate.\n\nNo worries, Mike. Thank you. See you. 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idea.","start":274.815,"end":276.035,"sentiment":"positive","sentiment_score":0.4650302231311798},{"text":"Yes.","start":277.35,"end":277.85,"sentiment":"neutral","sentiment_score":0.1822875440120697},{"text":"Yes.","start":287.67,"end":287.99,"sentiment":"neutral","sentiment_score":0.14133380353450775},{"text":"Yes.","start":287.99,"end":288.49,"sentiment":"neutral","sentiment_score":0.12521477043628693}],"sentiment":"neutral","sentiment_score":0.3247855371899075,"num_words":9,"start":274.33502,"end":288.49},{"sentences":[{"text":"Alright.","start":292.475,"end":292.975,"sentiment":"neutral","sentiment_score":0.09584031999111176},{"text":"Yeah.","start":293.355,"end":293.515,"sentiment":"neutral","sentiment_score":0.0990462675690651},{"text":"No worries.","start":293.515,"end":294.17502,"sentiment":"neutral","sentiment_score":0.11869185790419579},{"text":"Yeah.","start":297.515,"end":297.755,"sentiment":"neutral","sentiment_score":0.07810705900192261},{"text":"We'll do that on the next catch up.","start":297.755,"end":299.275,"sentiment":"neutral","sentiment_score":0.10334430728107691}],"sentiment":"neutral","sentiment_score":0.1028562938937774,"num_words":13,"start":292.475,"end":299.275},{"sentences":[{"text":"We'll do it on the next catch up.","start":299.275,"end":301.135,"sentiment":"neutral","sentiment_score":0.08300023060292006},{"text":"Yeah.","start":302.555,"end":303.035,"sentiment":"neutral","sentiment_score":0.015895307064056396},{"text":"So I just got I've got a lot of me played at the moment.","start":303.035,"end":305.83502,"sentiment":"neutral","sentiment_score":0.09791786862271172},{"text":"Like, me that caravan's flying up.","start":305.83502,"end":309.16,"sentiment":"neutral","sentiment_score":-0.055790421863396965},{"text":"Me can't need somebody service again.","start":309.22,"end":311.33997,"sentiment":"neutral","sentiment_score":-0.20910613487164179}],"sentiment":"neutral","sentiment_score":0.013181942062718527,"num_words":35,"start":299.275,"end":311.33997},{"sentences":[{"text":"I know.","start":311.33997,"end":312.03998,"sentiment":"neutral","sentiment_score":-0.0738550964742899},{"text":"Just so I can everything's catching up on me.","start":314.1,"end":316.68,"sentiment":"neutral","sentiment_score":-0.05815248232748774},{"text":"Yeah.","start":320.555,"end":320.875,"sentiment":"neutral","sentiment_score":0.11107596755027772},{"text":"Yeah.","start":320.875,"end":321.015,"sentiment":"neutral","sentiment_score":0.0822775736451149},{"text":"I know.","start":321.015,"end":321.29498,"sentiment":"neutral","sentiment_score":0.07211975753307343}],"sentiment":"neutral","sentiment_score":-0.02223263184229533,"num_words":15,"start":311.33997,"end":321.29498},{"sentences":[{"text":"I was waiting.","start":321.29498,"end":322.09497,"sentiment":"neutral","sentiment_score":0.07221042240659396},{"text":"Enjoys of life caravanning.","start":322.875,"end":324.41498,"sentiment":"positive","sentiment_score":0.42936350405216217},{"text":"I don't know.","start":327.115,"end":330.63498,"sentiment":"neutral","sentiment_score":0.02705337107181549},{"text":"I've seen them going up WA down the bottom end of WA, Albany, Esperance.","start":330.63498,"end":336.75,"sentiment":"neutral","sentiment_score":0.0019562116358429193},{"text":"Yeah.","start":341.53,"end":341.77,"sentiment":"neutral","sentiment_score":0.023521114140748978}],"sentiment":"neutral","sentiment_score":0.08264613894745708,"num_words":25,"start":321.29498,"end":341.77},{"sentences":[{"text":"It's I've I've worked there for years down in WA down the bottom end.","start":341.77,"end":347.165,"sentiment":"neutral","sentiment_score":0.02727808311049427},{"text":"Yeah.","start":348.105,"end":348.425,"sentiment":"neutral","sentiment_score":0.02105614542961121},{"text":"No.","start":348.425,"end":348.665,"sentiment":"neutral","sentiment_score":-0.04175712540745735},{"text":"It's not freaking worst stretch is the Nullarbor.","start":348.665,"end":351.485,"sentiment":"neutral","sentiment_score":-0.10627905372530222},{"text":"That's all.","start":351.54498,"end":352.205,"sentiment":"neutral","sentiment_score":-0.024527291767299175}],"sentiment":"neutral","sentiment_score":-0.020695954991074707,"num_words":26,"start":341.77,"end":352.205},{"sentences":[{"text":"Yeah.","start":354.345,"end":354.845,"sentiment":"neutral","sentiment_score":0.1920173168182373},{"text":"K.","start":364.64,"end":365.14,"sentiment":"neutral","sentiment_score":0.0860038474202156},{"text":"Yeah.","start":369.92,"end":370.16,"sentiment":"neutral","sentiment_score":0.0778057873249054},{"text":"Yeah.","start":370.16,"end":370.4,"sentiment":"neutral","sentiment_score":0.07469645142555237},{"text":"Yeah.","start":370.4,"end":370.9,"sentiment":"neutral","sentiment_score":0.10013420879840852}],"sentiment":"neutral","sentiment_score":0.10613152235746384,"num_words":5,"start":354.345,"end":370.9},{"sentences":[{"text":"It's fine, ma'am.","start":371.04,"end":372.08002,"sentiment":"neutral","sentiment_score":0.2054152488708496},{"text":"No problem.","start":372.08002,"end":372.82,"sentiment":"neutral","sentiment_score":0.16947966068983078},{"text":"Just put them in the same email, mate.","start":378.10498,"end":379.705,"sentiment":"neutral","sentiment_score":0.05548675078898668},{"text":"That's fine.","start":379.705,"end":380.185,"sentiment":"neutral","sentiment_score":0.0908350758254528},{"text":"No point breaking your fingers doing too.","start":380.185,"end":383.805,"sentiment":"neutral","sentiment_score":-0.022174452697592124}],"sentiment":"neutral","sentiment_score":0.06479763895781203,"num_words":22,"start":371.04,"end":383.805},{"sentences":[{"text":"Yeah.","start":390.01,"end":390.33002,"sentiment":"neutral","sentiment_score":0.06995559483766556},{"text":"Yeah.","start":390.33002,"end":390.57,"sentiment":"neutral","sentiment_score":0.09619100391864777},{"text":"Yeah.","start":390.57,"end":391.07,"sentiment":"neutral","sentiment_score":0.18013343214988708},{"text":"K.","start":397.21002,"end":397.71002,"sentiment":"neutral","sentiment_score":0.032586053013801575},{"text":"Yep.","start":405.105,"end":405.505,"sentiment":"neutral","sentiment_score":0.04521044343709946}],"sentiment":"neutral","sentiment_score":0.08481530547142029,"num_words":5,"start":390.01,"end":405.505},{"sentences":[{"text":"Yep.","start":405.505,"end":405.98502,"sentiment":"neutral","sentiment_score":0.059021204710006714},{"text":"No worries.","start":405.98502,"end":406.805,"sentiment":"neutral","sentiment_score":0.10658770799636841},{"text":"No.","start":409.98502,"end":410.305,"sentiment":"neutral","sentiment_score":-0.01271295640617609},{"text":"No.","start":410.305,"end":410.545,"sentiment":"neutral","sentiment_score":-0.02519163489341736},{"text":"That's it, mate.","start":410.545,"end":411.605,"sentiment":"neutral","sentiment_score":0.1827829380830129}],"sentiment":"neutral","sentiment_score":0.0978301054565236,"num_words":8,"start":405.505,"end":411.605},{"sentences":[{"text":"No worries, Mike.","start":417.37088,"end":418.33087,"sentiment":"neutral","sentiment_score":0.19736699759960175},{"text":"Thank you.","start":418.33087,"end":419.15088,"sentiment":"positive","sentiment_score":0.6192604601383209},{"text":"See you.","start":421.13086,"end":421.53085,"sentiment":"positive","sentiment_score":0.3842055946588516},{"text":"Bye.","start":421.53085,"end":422.03085,"sentiment":"neutral","sentiment_score":-0.1250193417072296}],"sentiment":"neutral","sentiment_score":0.3092517200857401,"num_words":8,"start":417.37088,"end":422.03085}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Nick. Tommy here, senior adviser from Oakview Financial. How are you doing today?\n\nChannel 1: No. It's too bad, mate. The crook. If not,\n\nChannel 0: That\n\nChannel 1: I'm alright.\n\nChannel 0: that's fair enough, mate. I was just giving you a buzz to go through. You had a question about withdrawing from super and just maybe a couple of updates as well. Before I jump into it with you, do you mind if I just go through a quick security check with\n\nChannel 1: Pardon?\n\nChannel 0: you? Do you mind if I just go through a security check with you before\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: jump\n\nChannel 1: You're\n\nChannel 0: in?\n\nChannel 1: alright, mate. Gotta be alright.\n\nChannel 0: Beautiful. Just need date of birth and address for me, please.\n\nChannel 1: 06/30/6961\n\nChannel 0: Yep.\n\nChannel 1: 41 Slash 1350 Princes Highway, Heathcote, New South Wales 2233.\n\nChannel 0: Sensational. And I'm registered with Asnic as adviser one two seven three one zero five.\n\nChannel 1: Yeah.\n\nChannel 0: Nick, so main thing at the moment is you from what I can kind of see is you're kind of just relying a bit on the super at the moment while you're crook to kind of get you through until you can get the pension kind of thing. Does that sound about right?\n\nChannel 1: Yeah. Well, I'm not working anymore, but I just like I'm I'm I'm just in the hazard on a building site now at my age.\n\nChannel 0: Yeah. You said you'd done your knees a little bit. They're not they're\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: I mean,\n\nChannel 0: what they\n\nChannel 1: he's\n\nChannel 0: were.\n\nChannel 1: an accurate receipt. An accurate\n\nChannel 0: I don't know if you saw. It might be a bit too late, but they're talking about the government's talking about dropping the age pension age for blue collar workers because it's a bit hard for them to work to bloody 70 with their knees and shoulders going.\n\nChannel 1: k. Well, I haven't\n\nChannel 0: So\n\nChannel 1: heard\n\nChannel 0: when\n\nChannel 1: nothing\n\nChannel 0: it\n\nChannel 1: about it.\n\nChannel 0: No. Look. If anything happens, they'll probably take their sweet time. Might be six to eighteen months kind of thing, but either way, it might be good. Now when it comes to the super, I know you've already sort of withdrawn 30,000 to clear out the credit cards and everything.\n\nWhat are\n\nChannel 1: Yeah.\n\nChannel 0: you thinking at the moment?\n\nChannel 1: Well, I just want some money to I wanna do a bit of traveling. I wanna get my caravan fixed. I've just come back from my mom's away, and I've got bad water freaking pipe work on it. It's leaking water when I open up to the mines. I\n\nChannel 0: Yep.\n\nChannel 1: gotta get that fixed and then and probably do a bit of traveling.\n\nChannel 0: Cool. Do you feel like you need a, like, a lump sum, a big amount, or do you want, like, a bit of a monthly payment coming out or a bit of both?\n\nChannel 1: Just the one time.\n\nChannel 0: Yeah. Cool. How much do\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: it's probably 40.\n\nChannel 0: need? 40. Okay. So same process as last time. What I can do is I can send you through a bit of a transaction authority, and we can get the transactions going,\n\nChannel 1: Yeah.\n\nChannel 0: same as we did in January for\n\nChannel 1: Just the TDS thing I signed off on.\n\nChannel 0: you. Yes. Exactly\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah.\n\nChannel 0: So I can get\n\nChannel 1: Yeah.\n\nChannel 0: that drafted up and sorted this week for you. Usual thing is once that's signed, we do the sell downs this week, and then hopefully, we can try and process something this week, but possibly next week, just end of financial year, they're still a bit behind on payments.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Is that alright?\n\nChannel 1: Yeah. That's fine, mate. That's fine.\n\nChannel 0: Beautiful. Beautiful. And then just with with us as well, I was gonna send you a bit of a pack just with an update on the super. I\n\nChannel 1: Yeah.\n\nChannel 0: know that you're kind of not really due for your review for a few months, but I can kind of cover off on it today if you've got time, or we can\n\nChannel 1: Yeah.\n\nChannel 0: just catch up a little bit down the line.\n\nChannel 1: I'll catch up a little bit down the line, mate.\n\nChannel 0: Yeah. Cool. Cool. Alrighty. So there was a couple of things I wanted to look at with you because you're in a pretty safe defensive portfolio, nice and conservative for you.\n\nReturns have been pretty good in January, but, obviously, market's been taking a bit of a tumble.\n\nChannel 1: Yes.\n\nChannel 0: So I'm\n\nChannel 1: Yes.\n\nChannel 0: just keeping an eye on a couple of things that I think I wanna switch around in a couple of months' time.\n\nChannel 1: Yeah.\n\nChannel 0: Awesome. So what I'll do is I'll get that drawn up for you. I'll I'll try and get it done today, but I just there's a few people out sick today, so it might be tomorrow if that's alright.\n\nChannel 1: Yeah. Yeah. That's fine, mate. There's no there's no great area. It's just so I can\n\nChannel 0: Just\n\nChannel 1: I\n\nChannel 0: gotta\n\nChannel 1: just\n\nChannel 0: get\n\nChannel 1: said\n\nChannel 0: done.\n\nChannel 1: I've got a I've got a mob coming out tomorrow? He's coming tomorrow to look at the van. So I just need to so I probably have to go back in the Jayco to get fixed. That's\n\nChannel 0: Yep.\n\nChannel 1: all.\n\nChannel 0: Yeah. And the only thing is too, because you're you're off work now and you've hit 65, technically, it's like you you've hit a full condition of release for the super. So I was thinking of maybe converting the super over to, like, a pension account. And that way, if you need to, we can start sort of dropping out some monthly payments to you if that that would be helpful. I don't know.\n\nChannel 1: Yeah. That'd be a great idea.\n\nChannel 0: Cool.\n\nChannel 1: Yes.\n\nChannel 0: Because one of the things is if you let's say you only needed $10.20 grand, I can kind of say, okay. Here's a lump sum to pay for this stuff, and then you tell me what you need on a monthly basis, and\n\nChannel 1: Yes.\n\nChannel 0: I can\n\nChannel 1: Yes.\n\nChannel 0: kind of get that going and give you an update on, like, how long that might last for.\n\nChannel 1: Alright. Yeah. No worries.\n\nChannel 0: Yep. So would you rather do that on our next catch up,\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: We'll do that\n\nChannel 0: of\n\nChannel 1: on the next\n\nChannel 0: organize\n\nChannel 1: catch up. We'll\n\nChannel 0: a\n\nChannel 1: do it on\n\nChannel 0: bit\n\nChannel 1: the next\n\nChannel 0: of\n\nChannel 1: catch up.\n\nChannel 0: a discussion about\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: So\n\nChannel 0: Beautiful.\n\nChannel 1: I just got\n\nChannel 0: Beautiful.\n\nChannel 1: I've got a\n\nChannel 0: The\n\nChannel 1: lot of me played\n\nChannel 0: only\n\nChannel 1: at the\n\nChannel 0: other\n\nChannel 1: moment. Like,\n\nChannel 0: thing too\n\nChannel 1: me that caravan's\n\nChannel 0: yeah.\n\nChannel 1: flying up. Me can't need somebody service again. I know. Just so I can everything's catching up on me.\n\nChannel 0: All the same time.\n\nChannel 1: Yeah.\n\nChannel 0: Beauty.\n\nChannel 1: Yeah. I know. I was waiting. Enjoys of life caravanning.\n\nChannel 0: Cool. Good, Sean. Where\n\nChannel 1: I\n\nChannel 0: are you off to for the next trip once you get it all fixed up?\n\nChannel 1: don't know. I've seen them going up WA down the bottom end of WA, Albany,\n\nChannel 0: Okay.\n\nChannel 1: Esperance.\n\nChannel 0: It's a bit of a far trip.\n\nChannel 1: Yeah. It's I've I've worked there for years down in WA down the bottom\n\nChannel 0: You know\n\nChannel 1: end.\n\nChannel 0: pretty well.\n\nChannel 1: Yeah. No. It's not freaking worst stretch is the Nullarbor. That's all.\n\nChannel 0: Yeah. Awesome. Alright. Well, I'll\n\nChannel 1: Yeah.\n\nChannel 0: get that organized for you, mate. And the only other thing too is that we've just in the end of May, we've just gone past the reference date for the services with Oakview. So I\n\nChannel 1: K.\n\nChannel 0: was gonna maybe send you out just an updated agreement for the next twelve months if you're comfortable with us.\n\nChannel 1: Yeah. Yeah. Yeah. It's fine, ma'am. No problem.\n\nChannel 0: Beautiful. Do you mind if I put them just both in the same email, or do would you like them separately?\n\nChannel 1: Just put them in the same email, mate. That's fine. No\n\nChannel 0: Cool.\n\nChannel 1: point\n\nChannel 0: Alright.\n\nChannel 1: breaking your fingers doing too.\n\nChannel 0: That's Fair enough. And you're okay with our PDF DocuSign thing?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Beautiful. Well, mate, there's no change to the fees with us. We're still the 1.65 percent.\n\nChannel 1: K.\n\nChannel 0: And like I said, I've put in for a bit of a catch up in a couple of months to look at the flipping it over into a pension and fix up the\n\nChannel 1: Yep.\n\nChannel 0: portfolio\n\nChannel 1: Yep.\n\nChannel 0: a\n\nChannel 1: No\n\nChannel 0: little\n\nChannel 1: worries.\n\nChannel 0: bit. Awesome, Nick. Anything else I can do for you before\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: No. That's\n\nChannel 0: let you\n\nChannel 1: it, mate.\n\nChannel 0: go? Beautiful. Alright. I'll get those emails off to you. And any dramas, just\n\nChannel 1: No worries, Mike. Thank you.\n\nChannel 0: give us a bell. Thank you. Talk to you soon.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.05480213463306427}],"sentiment":"neutral","sentiment_score":0.05480213463306427,"channel":1,"num_words":1,"start":2.6399999,"end":3.1399999},{"sentences":[{"text":"Hi, Nick.","start":4.24,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.21509799361228943},{"text":"Tommy here, senior adviser from Oakview Financial.","start":4.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.251372258578028},{"text":"How are you doing today?","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.31093080043792726}],"sentiment":"neutral","sentiment_score":0.2674611285328865,"channel":0,"num_words":14,"start":4.24,"end":8.18},{"sentences":[{"text":"No.","start":8.4,"end":8.559999,"sentiment":"neutral","sentiment_score":-0.2785564363002777},{"text":"It's too bad, mate.","start":8.559999,"end":9.7,"sentiment":"negative","sentiment_score":-0.5284487754106522},{"text":"The crook.","start":9.76,"end":10.42,"sentiment":"negative","sentiment_score":-0.5661895573139191},{"text":"If not,","start":13.2,"end":13.44,"sentiment":"neutral","sentiment_score":-0.23193711042404175}],"sentiment":"negative","sentiment_score":-0.44317831926875645,"channel":1,"num_words":9,"start":8.4,"end":13.44},{"sentences":[{"text":"That","start":13.36,"end":13.5199995,"sentiment":"neutral","sentiment_score":-0.1254894882440567}],"sentiment":"neutral","sentiment_score":-0.1254894882440567,"channel":0,"num_words":1,"start":13.36,"end":13.5199995},{"sentences":[{"text":"I'm alright.","start":13.44,"end":14.099999,"sentiment":"neutral","sentiment_score":-0.04317465610802174}],"sentiment":"neutral","sentiment_score":-0.04317465610802174,"channel":1,"num_words":2,"start":13.44,"end":14.099999},{"sentences":[{"text":"that's fair enough, mate.","start":13.599999,"end":16.015,"sentiment":"neutral","sentiment_score":0.10162131581455469},{"text":"I was just giving you a buzz to go through.","start":16.015,"end":17.935001,"sentiment":"neutral","sentiment_score":0.12946088016033172},{"text":"You had a question about withdrawing from super and just maybe a couple of updates as well.","start":17.935001,"end":23.555,"sentiment":"neutral","sentiment_score":0.10893003971261137},{"text":"Before I jump into it with you, do you mind if I just go through a quick security check 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Nullarbor.","start":348.665,"end":351.485,"sentiment":"neutral","sentiment_score":-0.10627905372530222},{"text":"That's all.","start":351.54498,"end":352.205,"sentiment":"neutral","sentiment_score":-0.024527291767299175}],"sentiment":"neutral","sentiment_score":-0.07666566610957186,"channel":1,"num_words":12,"start":348.105,"end":352.205},{"sentences":[{"text":"Yeah.","start":352.655,"end":353.055,"sentiment":"neutral","sentiment_score":0.15456625819206238},{"text":"Awesome.","start":353.055,"end":353.555,"sentiment":"positive","sentiment_score":0.3578745126724243},{"text":"Alright.","start":353.695,"end":354.095,"sentiment":"neutral","sentiment_score":0.19421347975730896},{"text":"Well, 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fine.","start":379.705,"end":380.185,"sentiment":"neutral","sentiment_score":0.0908350758254528},{"text":"No","start":380.185,"end":380.685,"sentiment":"neutral","sentiment_score":-0.07542330771684647}],"sentiment":"neutral","sentiment_score":0.05001280456781387,"channel":1,"num_words":11,"start":378.10498,"end":380.685},{"sentences":[{"text":"Cool.","start":381.545,"end":381.945,"sentiment":"neutral","sentiment_score":-0.042611174285411835}],"sentiment":"neutral","sentiment_score":-0.042611174285411835,"channel":0,"num_words":1,"start":381.545,"end":381.945},{"sentences":[{"text":"point","start":381.705,"end":382.025,"sentiment":"neutral","sentiment_score":-0.02178838849067688}],"sentiment":"neutral","sentiment_score":-0.02178838849067688,"channel":1,"num_words":1,"start":381.705,"end":382.025},{"sentences":[{"text":"Alright.","start":381.945,"end":382.445,"sentiment":"neutral","sentiment_score":-0.0002250062971143052}],"sentiment":"neutral","sentiment_score":-0.0002250062971143052,"channel":0,"num_words":1,"start":381.945,"end":382.445},{"sentences":[{"text":"breaking your fingers doing too.","start":382.025,"end":383.805,"sentiment":"neutral","sentiment_score":-0.011601894535124302}],"sentiment":"neutral","sentiment_score":-0.011601894535124302,"channel":1,"num_words":5,"start":382.025,"end":383.805},{"sentences":[{"text":"That's Fair enough.","start":384.665,"end":385.66,"sentiment":"neutral","sentiment_score":0.07140456885099411},{"text":"And you're okay with our PDF DocuSign 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Nick.","start":406.77963,"end":407.4738,"sentiment":"positive","sentiment_score":0.3879169225692749},{"text":"Anything else I can do for you before","start":407.4738,"end":410.2505,"sentiment":"neutral","sentiment_score":0.15421879012137651}],"sentiment":"neutral","sentiment_score":0.19298092411323028,"channel":0,"num_words":11,"start":406.43253,"end":410.2505},{"sentences":[{"text":"No.","start":409.98502,"end":410.305,"sentiment":"neutral","sentiment_score":-0.01271295640617609}],"sentiment":"neutral","sentiment_score":-0.01271295640617609,"channel":1,"num_words":1,"start":409.98502,"end":410.305},{"sentences":[{"text":"I","start":410.2505,"end":410.59756,"sentiment":"neutral","sentiment_score":-0.07293081283569336}],"sentiment":"neutral","sentiment_score":-0.07293081283569336,"channel":0,"num_words":1,"start":410.2505,"end":410.59756},{"sentences":[{"text":"No.","start":410.305,"end":410.545,"sentiment":"neutral","sentiment_score":-0.02519163489341736},{"text":"That's","start":410.545,"end":410.945,"sentiment":"neutral","sentiment_score":0.18750563263893127}],"sentiment":"neutral","sentiment_score":0.08115699887275696,"channel":1,"num_words":2,"start":410.305,"end":410.945},{"sentences":[{"text":"let 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soon.","start":419.75095,"end":420.73093,"sentiment":"positive","sentiment_score":0.49462687969207764}],"sentiment":"positive","sentiment_score":0.4746239587664604,"channel":0,"num_words":10,"start":419.03094,"end":420.73093},{"sentences":[{"text":"See you.","start":421.13086,"end":421.53085,"sentiment":"positive","sentiment_score":0.3842055946588516},{"text":"Bye.","start":421.53085,"end":422.03085,"sentiment":"neutral","sentiment_score":-0.1250193417072296}],"sentiment":"neutral","sentiment_score":0.2144639492034912,"channel":1,"num_words":3,"start":421.13086,"end":422.03085}]},"summary":{"result":"success","short":"During a call with a representative from Oakview Financial, Nick discusses his health and retirement age with Tommy. They discuss security checks and retirement age for blue collar workers, potential transactions, and transferring from super to a pension account. The representative suggests converting Nick's caravan to a pension account and offers to update him on progress. They agree to switch to a pension account and discuss fees and agreements. The call ends with the representative thanking Nick and reminding him to call if there are any issues."},"intents":{"segments":[{"text":"Before I jump into it with you, do you mind if I just go through a quick security check with Pardon? you?","start_word":58,"end_word":79,"intents":[{"intent":"Request security check","confidence_score":0.055621557}]},{"text":"Now when it comes to the super, I know you've already sort of withdrawn 30,000 to clear out the credit cards and everything. What are Yeah.","start_word":335,"end_word":360,"intents":[{"intent":"Clear credit cards","confidence_score":0.000901105}]},{"text":"I wanna get my caravan fixed. I've just come back from my mom's away, and I've got bad water freaking pipe work on it. It's leaking water when I open up to the mines. I Yep.","start_word":379,"end_word":414,"intents":[{"intent":"Fix caravan","confidence_score":0.95040774}]},{"text":"Do you feel like you need a, like, a lump sum, a big amount, or do you want, like, a bit of a monthly payment coming out or a bit of both? Just the one time.","start_word":429,"end_word":464,"intents":[{"intent":"Provide payment","confidence_score":0.011702969}]},{"text":"know that you're kind of not really due for your review for a few months, but I can kind of cover off on it today if you've got time, or we can Yeah.","start_word":623,"end_word":655,"intents":[{"intent":"Schedule review","confidence_score":0.0033953537}]},{"text":"just keeping an eye on a couple of things that I think I wanna switch around in a couple of months' time.","start_word":727,"end_word":748,"intents":[{"intent":"Switch portfolio","confidence_score":0.06513081}]},{"text":"He's coming tomorrow to look at the van. So I just need to so I probably have to go back in the Jayco to get fixed.","start_word":822,"end_word":847,"intents":[{"intent":"Fix van","confidence_score":0.23592794}]},{"text":"And the only thing is too, because you're you're off work now and you've hit 65, technically, it's like you you've hit a full condition of release for the super. So I was thinking of maybe converting the super over to, like, a pension account. And that way, if you need to, we can start sort of dropping out some monthly payments to you if that that would be helpful.","start_word":852,"end_word":921,"intents":[{"intent":"Drop out payments","confidence_score":0.47685805}]},{"text":"Because one of the things is if you let's say you only needed $10.20 grand, I can kind of say, okay. Here's a lump sum to pay for this stuff, and then you tell me what you need on a monthly basis, and Yes. I can Yes. kind of get that going and give you an update on, like, how long that might last for. Alright.","start_word":933,"end_word":998,"intents":[{"intent":"Update on expenses","confidence_score":0.01076011}]},{"text":"was gonna maybe send you out just an updated agreement for the next twelve months if you're comfortable with us. Yeah.","start_word":1220,"end_word":1240,"intents":[{"intent":"Request update","confidence_score":0.011329364}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Nick. Tommy here, senior adviser from Oakview Financial. How are you doing today? No.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.19304899871349335},{"text":"It's too bad, mate. The crook.","start_word":16,"end_word":21,"sentiment":"negative","sentiment_score":-0.5481789112091064},{"text":"If not, That I'm that's alright. fair enough, mate. I was just giving you a buzz to go through. You had a question about withdrawing from super and just maybe a couple of updates as well. Before I jump into it with you, do you mind if I just go through a quick security check with Pardon? you? Do you mind if I just go through a security check with you before Yeah. we Yeah. jump You're in? alright, mate. Gotta be alright.","start_word":22,"end_word":104,"sentiment":"neutral","sentiment_score":0.060494314879179},{"text":"Beautiful.","start_word":105,"end_word":105,"sentiment":"positive","sentiment_score":0.5522618293762207},{"text":"Just need date of birth and address for me, please. 06/30/6961 Yep. 41 Slash 1350 Princes Highway, Heathcote, New South Wales 2233. Sensational. And I'm registered with Asnic as adviser one two seven three one zero five. Yeah. Nick, so main thing at the moment is you from what I can kind of see is you're kind of just relying a bit on the super at the moment while you're crook to kind of get you through until you can get the pension kind of thing. Does that sound about right? Yeah. Well, I'm not working anymore, but I just like I'm I'm I'm just in the hazard on a building site now at my age. Yeah. You said you'd done your knees a little bit. They're not they're Yeah. not I mean, what they he's were. an accurate receipt. An accurate I don't know if you saw. It might be a bit too late, but they're talking about the government's talking about dropping the age pension age for blue collar workers because it's a bit hard for them to work to bloody 70 with their knees and shoulders going. k. Well, I haven't So heard when nothing it about it. No. Look. If anything happens, they'll probably take their sweet time. Might be six to eighteen months kind of thing, but either way, it might be good. Now when it comes to the super, I know you've already sort of withdrawn 30,000 to clear out the credit cards and everything. What are Yeah. you thinking at the moment? Well, I just want some money to I wanna do a bit of traveling. I wanna get my caravan fixed. I've just come back from my mom's away, and I've got bad water freaking pipe work on it.","start_word":106,"end_word":402,"sentiment":"neutral","sentiment_score":-0.08968663463989894},{"text":"It's leaking water when I open up to the mines.","start_word":403,"end_word":412,"sentiment":"negative","sentiment_score":-0.3409554064273834},{"text":"I Yep. gotta get that fixed and then and probably do a bit of traveling. Cool. Do you feel like you need a, like, a lump sum, a big amount, or do you want, like, a bit of a monthly payment coming out or a bit of both? Just the one time. Yeah. Cool. How much do So you it's probably 40. need? 40. Okay. So same process as last time. What I can do is I can send you through a bit of a transaction authority, and we can get the transactions going, Yeah. same as we did in January for Just the TDS thing I signed off you. on. Yes. Exactly Yeah. that. Yeah. So I can get Yeah. that drafted up and sorted this week for you. Usual thing is once that's signed, we do the sell downs this week, and then hopefully, we can try and process something this week, but possibly next week, just end of financial year, they're still a bit behind on payments. Yeah. Yeah. Is that alright? Yeah. That's fine, mate.","start_word":413,"end_word":591,"sentiment":"neutral","sentiment_score":0.034259676933288574},{"text":"That's fine. Beautiful. Beautiful.","start_word":592,"end_word":595,"sentiment":"positive","sentiment_score":0.5172713398933411},{"text":"And then just with with us as well, I was gonna send you a bit of a pack just with an update on the super. I Yeah. know that you're kind of not really due for your review for a few months, but I can kind of cover off on it today if you've got time, or we can Yeah. just catch up a little bit down the line. I'll catch up a little bit down the line, mate. Yeah. Cool. Cool. Alrighty. So there was a couple of things I wanted to look at with you because you're in a pretty safe defensive portfolio, nice and conservative for you. Returns have been pretty good in January, but, obviously, market's been taking a bit of a tumble. Yes. So I'm Yes. just keeping an eye on a couple of things that I think I wanna switch around in a couple of months' time. Yeah.","start_word":596,"end_word":749,"sentiment":"neutral","sentiment_score":0.07989760943047412},{"text":"Awesome.","start_word":750,"end_word":750,"sentiment":"positive","sentiment_score":0.4266997575759888},{"text":"So what I'll do is I'll get that drawn up for you. I'll I'll try and get it done today, but I just there's a few people out sick today, so it might be tomorrow if that's alright. Yeah. Yeah. That's fine, mate. There's no there's no great area. It's just so I can Just I gotta just get said done. I've got a I've got a mob coming out tomorrow? He's coming tomorrow to look at the van. So I just need to so I probably have to go back in the Jayco to get fixed. That's Yep. all. Yeah. And the only thing is too, because you're you're off work now and you've hit 65, technically, it's like you you've hit a full condition of release for the super. So I was thinking of maybe converting the super over to, like, a pension account. And that way, if you need to, we can start sort of dropping out some monthly payments to you if that that would be helpful. I don't know. Yeah.","start_word":751,"end_word":925,"sentiment":"neutral","sentiment_score":0.025718891993165016},{"text":"That'd be a great idea.","start_word":926,"end_word":930,"sentiment":"positive","sentiment_score":0.4464946389198303},{"text":"Cool. Yes. Because one of the things is if you let's say you only needed $10.20 grand, I can kind of say, okay. Here's a lump sum to pay for this stuff, and then you tell me what you need on a monthly basis, and Yes. I can Yes. kind of get that going and give you an update on, like, how long that might last for. Alright. Yeah. No worries. Yep. So would you rather do that on our next catch up, Yeah. sort We'll do that of on the next organize catch up. We'll a do it on bit the next of catch up. a discussion about Yeah. that?","start_word":931,"end_word":1041,"sentiment":"neutral","sentiment_score":0.10453773152318088},{"text":"So Beautiful. I just got Beautiful.","start_word":1042,"end_word":1047,"sentiment":"positive","sentiment_score":0.5099405646324158},{"text":"I've got a The lot of me played only at the other moment. Like, thing too me that caravan's yeah. flying up. Me can't need somebody service again. I know. Just so I can everything's catching up on me. All the same time. Yeah. Beauty. Yeah. I know. I was waiting.","start_word":1048,"end_word":1098,"sentiment":"neutral","sentiment_score":-0.03373267874121666},{"text":"Enjoys of life caravanning. Cool. Good, Sean.","start_word":1099,"end_word":1105,"sentiment":"positive","sentiment_score":0.39227327704429626},{"text":"Where I are you off to for the next trip once you get it all fixed up? don't know. I've seen them going up WA down the bottom end of WA, Okay. Albany, Esperance. It's a bit of a far trip. Yeah. It's I've I've worked there for years down in WA down the bottom You know end. pretty well. Yeah. No. It's not freaking worst stretch is the Nullarbor. That's all. Yeah.","start_word":1106,"end_word":1178,"sentiment":"neutral","sentiment_score":0.01048273965716362},{"text":"Awesome.","start_word":1179,"end_word":1179,"sentiment":"positive","sentiment_score":0.3578745126724243},{"text":"Alright. Well, I'll Yeah. get that organized for you, mate. And the only other thing too is that we've just in the end of May, we've just gone past the reference date for the services with Oakview. So I K. was gonna maybe send you out just an updated agreement for the next twelve months if you're comfortable with us. Yeah. Yeah. Yeah. It's fine, ma'am. No problem. Beautiful. Do you mind if I put them just both in the same email, or do would you like them separately? Just put them in the same email, mate. That's fine. No Cool. point Alright. breaking your fingers doing too. That's Fair enough. And you're okay with our PDF DocuSign thing? Yeah. Yeah. Yeah.","start_word":1180,"end_word":1301,"sentiment":"neutral","sentiment_score":0.0960451066493988},{"text":"Beautiful.","start_word":1302,"end_word":1302,"sentiment":"positive","sentiment_score":0.3688153624534607},{"text":"Well, mate, there's no change to the fees with us. We're still the 1.65 percent. K. And like I said, I've put in for a bit of a catch up in a couple of months to look at the flipping it over into a pension and fix up the Yep. portfolio Yep. a No little worries. bit.","start_word":1303,"end_word":1359,"sentiment":"neutral","sentiment_score":0.06746796518564224},{"text":"Awesome, Nick.","start_word":1360,"end_word":1361,"sentiment":"positive","sentiment_score":0.3879169225692749},{"text":"Anything else I can do for you before No. I No. That's let you it, mate. go?","start_word":1362,"end_word":1378,"sentiment":"neutral","sentiment_score":0.11470504981629988},{"text":"Beautiful. Alright. I'll get those emails off to you.","start_word":1379,"end_word":1387,"sentiment":"positive","sentiment_score":0.5330045819282532},{"text":"And any dramas, just No worries, Mike.","start_word":1388,"end_word":1394,"sentiment":"neutral","sentiment_score":0.13897699117660522},{"text":"Thank you. give us a bell. Thank you. Talk to you soon. See you.","start_word":1395,"end_word":1408,"sentiment":"positive","sentiment_score":0.4825250804424286},{"text":"Bye.","start_word":1409,"end_word":1409,"sentiment":"neutral","sentiment_score":0.23552963137626648}],"average":{"sentiment":"neutral","sentiment_score":0.03711183970895283}}}}