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How was your end of financial year? Right? It never get better. Oh, I know. I I my accountant literally sat down with me, and we went through everything. And then I sat there and went, are you sure you sure we have to do this? Yeah. Forget about it. That's right. Always the way. The track may make his dollar. Well, the reasons well, I mean, you spoke to Sandy this morning or earlier today. And, ultimately, the reason for, I guess, the call is to go through and review everything and have a chat, see if there's any changes that we may need to make, and, ultimately, update my files as well and kinda go from there. Before I do jump into it too far, I do need to let you know that our calls are recorded and if I could get you confirmed security for me. So it's just full name, date of birth, address. Perfect. Okay. So there's a couple of things that I generally go through. First and foremost, it's always good for me to update my files because that obviously kind of rings whether there's any major issues or or major changes in your life that I'm not aware of or things that I need to know about that might have changed for your your position overall. So I'll go through all of that, but I guess is there anything that you can think of off the top of your head that I might need to done? Everything else is just plopping along. Perfect. Oh, wouldn't it? I'm still waiting for mine too, unfortunately. No. That's alright. Well, I will quick split through everything, and you can kind of hit the nail on the head a bit if anything. So I've got you de facto, and I've got Jade as your, like, Mexican. In terms of income, I've got about 130,000 a year income wise. Perfect. Still that. Saving. And we expect to get that for this financial year as well? Cool. And then asset wise, I've got our PPR or our our home. That 2.6 value, about 760 owing. Yep. Okay. So still around that milli, 2.5 millish area? Yep. Okay. And do you know the rough value of the loan? Cool. Alright. Perfect. And then I have a boat, a motorbike, 20,000 for the boat, roughly 10 for the motorbike in value. No debts on either of those, and we've got an offset account previously $5. Obviously, that fluctuates. So do you use your offset regularly? Like, do you utilize your offset as basically the account that holds all of your money and then you live out of your offset, or how do you actually structure it? Oh, okay. Okay. Well, pretty good push to go and do it then. That's okay. Alright. It might just be a phone call that you could just make as well. No. I mean, they're banks, so sometimes. Now are there are there any other assets that you have at all? Like, I'm missing a car if we have one. Yep. Cool. Nothing like that. Okay. Yeah. Do you know how much the the company has? Yeah. In asset. Like, in intangible assets. No. Count it, and then we'll you can let know what the liabilities are. Yeah. Yeah. Oh, no. Don't don't don't you worry. I'm mechanic's daughter, so I see how expensive those things get pretty quick. Yep. Snap on comes for a trip and oh, I might have three of those, but I'll get another one. I know. Oh, you're right. And what liability since it does a business card that it currently has? Biggest small. The car's on finance. Okay. So it's definitely Oh, family. Yep. That's perfect. Amazing. And just, curiously, with the house, is that house purely in your name, or is that between you and your partner? Yep. Cool. Perfect. And amazing. Alright. Cool. Alright. And do you know when the last time you had a look at the mortgage on the property was? Was it I I believe I know I know that you sorta had a look at it sometime early twenty twenty four. Have you had a look at it since then? No. Yeah. Yeah. Seeing whether whether your bank is still providing you the best, like, interest rate. Yeah. Trust me. I know it's an absolute pain, but I personally don't have a look at my loan every it's more like eighteen months, not twelve months, but I just talk to my broker and go through the absolute painful paperwork. And sometimes it's a, yep. Nope. The one you're with is still good. And other times, it's nope. Let's flip the loan and go somewhere else because I can save a few points on the interest rate or pay less monthly fees, whatever the case may be. It ends up way better than a lot of them. Broker? Yeah. If you like, I can connect you with, like, our broker. Like, I'm obviously not a broker, but I can definitely connect you with our broker, Brooke. She's fantastic. I send my clients through her. We get no kickbacks or anything like that. The only reason I use her is because she's been able to do great work with me, the staff I have, and, obviously, clients as well. Yeah. Absolutely. The the worst happen the worst the worst thing that happens is she turns around and says the provider you currently have is doing the best job. Like, peace of mind and go from there. But sometimes it's just a matter of, you know, a reminder of the, you know, offset accounts or a little bit of a restructure, changing how you're running things, and she absolutely loves giving those kinda ad hoc tidbits to help out as well. Cool. I know. The things they don't teach. Oh, absolutely. Absolutely. Now with where you're at, I know that, like, previously, you've always been not a really aggressive investor. You've been kind of up there on a scale. You know, it was sort of a scale of one to five. You're sitting at kind of a four, three and a half full. When it comes to risk with any form of investing, there's there's different ways to look at it. Now there is how much of your money is actually invested in one individual, like, realm. So with your superannuation, that's obviously an investment vehicle, but then you've also got your personal self as well. And you can segment the two, but, ultimately, you need to look at overarchingly. Now, personally, based on the assets you have, obviously, you have a lot of brick orientated assets. Obviously, you you still have liquid money that obviously goes through the bank and that pays the bills and it does everything you need to do. But, really, your biggest asset is sitting in your in your in your home. Aside from that, we obviously have your superannuation fund, and how that's invested as an individual asset does kind of does kind of, I guess, decide or dictate the future. Now percentage wise, how it's invested is important because you wanna know like, we need to sort of, I guess, make sure that we're having a balancing act between assets invested in the market, but also making sure that we're not taking on too much risk with those assets on the market. We wanna have that here. Let me backtrack. So investor risk profiles basically dictate what percentage of your funds are on the market and what percentage of funds are held defensively. Now defensive assets are still generally on market because you've got cash, you've got fixed interest, you've got bonds. Fixed interest and bond assets are still technically market valued assets, but there's less risk associated with them. Now when you when or if you look at underlying assets, what we always wanna do is we wanna look at how those assets are gonna track against the market, what actual underlying risk they have. Just because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them. We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart. Now the assets that you have currently are doing that, but I can also see that we could make some tweaks and changes because the market changes and the economic environment changes. And crazy enough, the political environment very aggressively changes currently. And that has an effect on some of the assets that we hold. Now with superannuation funds, Hub twenty four gives us a much greater investment manager than what others do. And, ultimately speaking, majority of your funds are doing really well. So if, like, if you if you can log on or if you ever do log on, you'd see that you have quite a number of, like, Australian listed securities that are performing really well. You do have one of your managed funds, which is a an Australian equity fund. And the equities fund, while it has previously performed extremely well, like, gangbustersly well, it took a bit of a dive. And while we did originally have some pretty decent belief in the fact that that that asset could turn around, it hasn't we've met with Benelon was the investment manager. We've met with Benelon. They're refusing to change their stance on how they invest within the fund. They are what's called a high conviction fund. So, basically, they stand behind their assets, and the assets just aren't pulling up their socks, to put it frank. So, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you. Because all of your assets cost money, they they have do have investment fees associated with them. But it does come down to what style of investor you are. So while there's the risk profile that I kinda went through, which is how much money is on the versus defensively, there's also two styles of investors. So you can be someone who is happy to have a cheaper asset to track and slightly outperform the market, or we can look at having slightly more expensive assets, which is called active management, to outperform the market more aggressively. What, I guess, is your overall stance when it does come to investing in that realm? Still have plenty of time. Yeah. Cool. So what what I what I can do and what I wanna do is there's one fund I definitely definitely wanna move out of, and that's the been a long fund. The other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing. So it's called a bank hybrid. The the government are are literally fit phasing them out by 2032, if memory serves, to be completely frank. I think it's 2032, 2029, somewhere around there. It's a few years off anyway. They're all gonna be phased out, which means that that asset's not gonna exist anymore. So it makes no sense to continue holding. Sorry? So I no. That's okay. So a banking hybrid is basically where you have bank asset held trying to explain it in yeah. Sorry. So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them. Like a term deposit, basically. Not quite. Like, that's really simplifying it, but, essentially, very similar to how a term deposit kinda works. It's it's almost like a fixed interest term deposit, shares, equity, all wrapped up into one. Yeah. But the government's phasing out banking hybrids because legislation changes have kind of happened, and and it's APRA, which is the, like, Australian financial regulator or one of, have have determined that those funds need to be reallocated. So, basically, within the next I believe I right. I'm pretty sure it is 2032. Is it within the next sort of, you know, whatever that is, five or six years, it's something like $30,000,000,000 that sits under banking hybrids will need to move out of banking hybrids and be reallocated. So, realistically, because over the next five years, they're going to have to be pushed out because it's being phased out, if we don't make a move now, but if we just allow it to be phased out organically, there's every chance that the asset price actually starts taking a dive within the next few years because they are phased out products, and everyone's gonna start selling out of them. So while the price is high, we'd rather take that do that sell now rather than waiting a few years and just letting it ride organically. Because if we if we do a letter ride organically, what's gonna happen is anyone who holds that asset will automatically be transferred over to another asset and or depending on the platform that you hold your money with, it'll just liquidate down to cash and you'll hold cash only. Not something we really wanna do in that phase. Specifically, we wanna stay invested on the market. So make a move now. I agree. So so what I wanna do from what I wanna do from your superannuation side is now I guess that I have those little bit of tidbit informational parts, is I can go and redo your portfolio. But I do need to know what it is that you're wanting to get out of the investments, where your goals align to, and what you're ultimately hoping to achieve moving forward that's going to enable me to make sure that any investment recommendations I make, whether they're super aggressive or not, align to those goals and that we're able to achieve what you're wanting to achieve. I know that you wanna pay down the mortgage personally. I know that, you know, you did previously look at wanting to maybe move into investment properties in the past, whether that's still a goal that you're wanting to move towards. But what else is there, if anything? Mhmm. Yep. You did. I helped you. I I sent you the yep. Details, and I sent you the receipt, and I that's okay. Yeah. Yeah. Perfect. Nope. That's okay. So let's talk about that. Let's talk about budget. Let's talk about where that fits. So currently, you earn a 130 a year. What do you actually live on? It's always a question that stumps people. Yep. Oh, don't they ever? I've got teenagers myself, and does the grocery bill hurt? Huge. Yep. Yeah. Well, may I ask? So with your superannuation fund, do you wanna look at because, like, I I know you put we we, you know, we've made that large deposit in in the in the June, but, you know, couple grand. Do you wanna look at doing something like that more regularly rather than just doing a quick, I guess, cash dump before end of financial year? We can sort of increase the contributions you make throughout the year to assist with yeah. Because what happens is dollar cost averaging, if the more regular you put money in because you're buying different segments of the market, it enables you to buy let me use my favorite analogy. It's building a house. So when you buy bricks, you might go to one brick retailer and the bricks are $3. And then you go to another brick retailer and the bricks are $2.50. Then you go to another brick retailer, and the bricks are, you know, $2. And all of those little bricks that you buy at different segments from all the different retailers all make up your home as a whole. Now the longer you hold those bricks, the brick value goes up and down depending on how the market's moving. And when you're selling, we obviously wanna sell from the from the bottom up. So instead of demolishing the house from the top down, you actually take from the bottom of the slab, and you sell those assets off because you've held them the longest. And they're the ones that, you know, capital gains is not gonna affect. And you wanna try and sell in a way that if you bought a brick for $2, you're selling it for $4. You're not gonna sell the brick that you bought for $5 for $4, if that makes sense. And the only way that that can happen is if we put money in more regularly. Now I know that you do put money in in regularly. You know, you your your contributions come in quarterly, and and and that'll that'll land fine. But what we can do is we can increase those contributions on the quarterly or depending on how much you like your accountant and will wanna do it. You could even start making those contributions monthly or more regularly. Payday super came in while you run your own business, so you're a little bit more withdrawn from that legislation because, you know, it's just yourself that you're kind of affecting. You know, the more frequently you pay your super, the the better it is on that front just from a dollar cost averaging perspective. But I could make some recommendations around tax saving and what it would do for you and how much you could salary sacrifice regularly to help. But for me to be able to do that, I do need to know how much you're willing to forego from your weekly pay, which I know becomes hard because of how your business structures. Again, there's nothing wrong with doing what you did, where in the June, you give me a call and say, hey. I have this much money. What's that gonna do? Can I pop it in? Or give me an email and say, hey. I popped it in. Can you do the thing you need to do? Either right away. Yeah. Yeah. I mean, currently, if, you know, if majority of savings are heading towards the renovations costs, once they're done, you may you know, things will free up and, you know, kick the kids out of home whenever that happens. I don't think mine are leaving anytime soon. I know. Mine too. Although, you know, I still have a a young daughter, and I think she's eager to leave. She's only seven. So I've got two boys and a girl, teenagers, and and, yeah, a seven year old daughter, and she's pretty sure she's she's ready to pack a bag and leave. Unfortunately, headstrong like her mother. Yeah. Definitely. She she do she she definitely knows. She's she's she's a absolute firecracker. Anyway, so with with with, I guess, retirement funding, are there any other sources of income you expect to be able to receive outside of, I guess, your super, Jade's super? Are there any other assets? Is there any wealth transfer that you're expecting as as awful as that sounds? Good. Perfect. No. That's that's absolutely good. Okay. Too easy then. So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice. Now, generally, I'd like to have, like, a at least five or ten minute phone call with you after I've drawn it all up. I obviously don't have it at hand today. But for me to be able to draw it all up and go through from there. I know, Sebi, said you were unavailable for a couple of weeks. Yeah. No. No. That's okay. I'm always happy, specifically on a Thursday, Friday, because, generally, I work from home on a Thursday, Friday. I'm more than happy to have, like, a evening call as well. So even if even if I just flick you an email and say, hey. I've done my thing. You know? When suits you? And we can kind of plan it from there. I should only need a couple like, based on the workload I currently have, I should only need less than two weeks to get everything drawn up and go from there. Cool. Now outside of the super, you do have your insurance policy as well. Yes. Correct. I'm just opening it back up. Where did it go? Yes. Well, at least he knows. I like it. No. So you can rest you can rest assured not quite. And the legislation's changed pretty aggressively lately. So previously, what used to happen with any superannuation policy or or fund so because your your insurance policy is funded by your super fund, it forms part of, like, the super like, it falls under some form of super legislation. It falls under both, the Life Insurance Act and super. Now what happens is what used to happen in years gone by is they would go through what's called oh, it's gonna annoy me now. Can't think of the terminology, and that's gonna absolutely annoy me all night. But anyway, basically, they would you probably heard of it before where they put in the newspaper or they put ads out saying this person's died. Does anyone claim staking. Yes. Claim staking. Does anyone have a a a a claim to stake on this estate? And super funds used to do it as well, life insurance policies. Banks would do it if no one stepped forward. There's no next of kin. And it did mean that, theoretically speaking, things would open up. So there could be a lost uncle or a mate or a mate that said, yeah. He owed me $50. The super funds don't do it anymore. They actually just default straight through to your estate, which means if you have a will in place, the will takes over. If you don't have a will in place, which this is kind of a question, do you have a will in place? Cool. Yes. If you don't have a will in place, there's actually very specific regulations that happen per state. Now because I work I live in Queensland, I can tell you what Queensland's are. I don't I I know that New South Wales is similar to Queensland, but they're definitely not the same. But in Queensland, it's basically the first 300,000 of the estate goes to the spouse, and then the funds are divvied evenly between spouse and any surviving children. If there is no spouse, then it's the children. If there's only a spouse, then it goes all to the spouse. If there's no spouse, no children, then it it's parents, siblings, and down the line from there. So for yourself, you know, your your partner and your children would end up getting the money that way. But is that your specific wishes? Maybe not because the kid's getting that much money versus your wife. And, realistically, from the superannuation perspective, your spouse is a tax dependent. Your spouse will always receive the benefit tax free. Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement. And your insurance policy is 1.34 mil and change. So it's a bit of money for the boys to probably get their hands on. Now no. You don't want it. Now on the insurance policy front, your policy has obviously increased a little bit over the last few years since it went in place, and it is sitting at $1,340,988.40. Is that still an appropriate amount given your debt being 700,000? Because, realistically, what that policy is gonna do because when you combine that policy with your superannuation fund, we're sitting over a mill and 0.5. So we're gonna be able to fully pay off the house and still have easily another $8,900,000 sitting in the bank. Plus, don't forget, the tools and the business can be sold down because you are the business. It's it's not that it's necessarily too excessive. It's dependent on what you want for your family if something were to happen. Because, ultimately, you could turn around and go, no. Financially speaking, if I were to pass away and I know and there was no longer an income or I could never work again and there was no longer an income coming in from me, my $130,000 a year just stopped. But the mortgage was paid off. And we had $250,000 in the bank, or we had $400,000 in the bank. I wanna give each of the boys $50, and, you know, me and me and the wife have 300,000 just as a backup to do any renovations or anything else that we wanna do, my wife's income is actually sufficient for us to live day to day and pay the bills. And that would be your family and how it fits. But it is very, very dependent on how the finances operate. It does. And there there is always that balancing act. So currently, the policy is costing $4,313.11 a year. $4.03 13 and 11¢. So the biggest question I have is, if something happened to you today, your income stopped, but your mortgage was paid off, Could the family so so the biggest question is, what is your what is your wage pay for? So does your wage pay just the mortgage, or does your wage also go towards other living expenses? And what are those living expenses? Yep. Yep. Okay. So it could be that, realistically, the mortgage is if the mortgage is covered, any extra money is just kind of extra on top. So it's now a question of what do we want to have. Realistically, I always recommend at least an extra 200,000 specifically if we have a TPD event, total permanent disability, just in case any renovations need to happen, the medical costs of of anything that happens in that total impairment disabled space. So that would bring us to basically $900,000 there. But if we're at $900,000, you may as well go to mill purely and simply. And the reason I say that is when you hit specific brackets, the cost actually comes down. So there's been plenty of times where I look at, like, $9.50, but a mill is actually a million dollars is actually cheaper than 950. Sounds counterintuitive, but it sure is. Yeah. I'd have to quote that up, but I can quote it and I can select it to you in an email. And what I'll do is I might give you a couple of different options between, like, a mail 1.2 and then, obviously, show you what you currently have and just kinda give you a couple of different options that way and show it. The other option is I can also go to market and see if there's any other providers that are cheaper because your policy is 2,023. So, I mean, it's only three no. That's only three years old. There shouldn't be anything that's cheaper, but I'll go and have a look anyway to see if there is. But the painful part of that is going through all the medical questions and stuff like that again. So it's administrative. It's like an hour of your time. But if it's a decent savings, then, obviously, that's gonna be a better avenue. So I'll have a look at at all of it, and we can kinda go from there on that front. Okay? Good. Yes. Absolutely. Because I looked early this morning. I I was looking earlier today. I I'm one of those crazy people that, you know, don't take a lunch break. So you have a working lunch. No. When you got booked into my calendar, I pulled up your file to have a look and took notes down. Because it's your super fund as well that doesn't have the nomination, so it's it's everything. It's not just the insurance policy. It's the super fund as well. So we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway. Cool. Alright. Well, I will start getting digging on that front and go from there. I do have some documents that I have failed to send you while we were talking, but they're just basically informative for you. It's just like an asset performance sheet and stuff like that. I was just too busy talking instead of sending them to you, but we kinda talked about it all. And I know said he ran through some of the stuff this morning with you anyway. But I'll send those through. And then there's the client services agreement that I will send through Hub twenty four for you to authorize so we can continue acting as your adviser and servicing your account. I'll go away and get all my research happening. And once it's all drawn up or once I have everything back, I'll I'll email you through, and we can schedule a time to go through the advice. Amazing. Perfect. Well yeah. Yeah. Absolutely. It yeah. It it shouldn't be much more than two weeks, to be completely honest. Like, realistically, if it's two weeks, I'm not doing a good job good enough jobs. So I'll yeah. You'll have an email from me as soon as I basically get the quotes back from the insurers, which will that'll be the longest time as that that takes a couple of days to get that back. But, otherwise, we'll kind of go from there. Amazing. No stress at all, Raffy. You have a good night. Oh, yeah. Thanks. Will do. 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Earthview Financial. Hi. Rafael Lovitza from HP Financial. How are you going? Yeah.\n\nGood. Good. Long time no speak. You know, few weeks. Yeah.\n\nNot too bad. How was your end of financial year? Right? It never get better. Oh, I know.\n\nI I my accountant literally sat down with me, and we went through everything. And then I sat there and went, are you sure you sure we have to do this? Yeah. Forget about it. That's right.\n\nAlways the way. The track may make his dollar. Well, the reasons well, I mean, you spoke to Sandy this morning or earlier today. And, ultimately, the reason for, I guess, the call is to go through and review everything and have a chat, see if there's any changes that we may need to make, and, ultimately, update my files as well and kinda go from there. Before I do jump into it too far, I do need to let you know that our calls are recorded and if I could get you confirmed security for me.\n\nSo it's just full name, date of birth, address. Perfect. Okay. So there's a couple of things that I generally go through. First and foremost, it's always good for me to update my files because that obviously kind of rings whether there's any major issues or or major changes in your life that I'm not aware of or things that I need to know about that might have changed for your your position overall.\n\nSo I'll go through all of that, but I guess is there anything that you can think of off the top of your head that I might need to done? Everything else is just plopping along. Perfect. Oh, wouldn't it? I'm still waiting for mine too, unfortunately.\n\nNo. That's alright. Well, I will quick split through everything, and you can kind of hit the nail on the head a bit if anything. So I've got you de facto, and I've got Jade as your, like, Mexican. In terms of income, I've got about 130,000 a year income wise.\n\nPerfect. Still that. Saving. And we expect to get that for this financial year as well? Cool.\n\nAnd then asset wise, I've got our PPR or our our home. That 2.6 value, about 760 owing. Yep. Okay. So still around that milli, 2.5 millish area?\n\nYep. Okay. And do you know the rough value of the loan? Cool. Alright.\n\nPerfect. And then I have a boat, a motorbike, 20,000 for the boat, roughly 10 for the motorbike in value. No debts on either of those, and we've got an offset account previously $5. Obviously, that fluctuates. So do you use your offset regularly?\n\nLike, do you utilize your offset as basically the account that holds all of your money and then you live out of your offset, or how do you actually structure it? Oh, okay. Okay. Well, pretty good push to go and do it then. That's okay.\n\nAlright. It might just be a phone call that you could just make as well. No. I mean, they're banks, so sometimes. Now are there are there any other assets that you have at all?\n\nLike, I'm missing a car if we have one. Yep. Cool. Nothing like that. Okay.\n\nYeah. Do you know how much the the company has? Yeah. In asset. Like, in intangible assets.\n\nNo. Count it, and then we'll you can let know what the liabilities are. Yeah. Yeah. Oh, no.\n\nDon't don't don't you worry. I'm mechanic's daughter, so I see how expensive those things get pretty quick. Yep. Snap on comes for a trip and oh, I might have three of those, but I'll get another one. I know.\n\nOh, you're right. And what liability since it does a business card that it currently has? Biggest small. The car's on finance. Okay.\n\nSo it's definitely Oh, family. Yep. That's perfect. Amazing. And just, curiously, with the house, is that house purely in your name, or is that between you and your partner?\n\nYep. Cool. Perfect. And amazing. Alright.\n\nCool. Alright. And do you know when the last time you had a look at the mortgage on the property was? Was it I I believe I know I know that you sorta had a look at it sometime early twenty twenty four. Have you had a look at it since then?\n\nNo. Yeah. Yeah. Seeing whether whether your bank is still providing you the best, like, interest rate. Yeah.\n\nTrust me. I know it's an absolute pain, but I personally don't have a look at my loan every it's more like eighteen months, not twelve months, but I just talk to my broker and go through the absolute painful paperwork. And sometimes it's a, yep. Nope. The one you're with is still good.\n\nAnd other times, it's nope. Let's flip the loan and go somewhere else because I can save a few points on the interest rate or pay less monthly fees, whatever the case may be. It ends up way better than a lot of them. Broker? Yeah.\n\nIf you like, I can connect you with, like, our broker. Like, I'm obviously not a broker, but I can definitely connect you with our broker, Brooke. She's fantastic. I send my clients through her. We get no kickbacks or anything like that.\n\nThe only reason I use her is because she's been able to do great work with me, the staff I have, and, obviously, clients as well. Yeah. Absolutely. The the worst happen the worst the worst thing that happens is she turns around and says the provider you currently have is doing the best job. Like, peace of mind and go from there.\n\nBut sometimes it's just a matter of, you know, a reminder of the, you know, offset accounts or a little bit of a restructure, changing how you're running things, and she absolutely loves giving those kinda ad hoc tidbits to help out as well. Cool. I know. The things they don't teach. Oh, absolutely.\n\nAbsolutely. Now with where you're at, I know that, like, previously, you've always been not a really aggressive investor. You've been kind of up there on a scale. You know, it was sort of a scale of one to five. You're sitting at kind of a four, three and a half full.\n\nWhen it comes to risk with any form of investing, there's there's different ways to look at it. Now there is how much of your money is actually invested in one individual, like, realm. So with your superannuation, that's obviously an investment vehicle, but then you've also got your personal self as well. And you can segment the two, but, ultimately, you need to look at overarchingly. Now, personally, based on the assets you have, obviously, you have a lot of brick orientated assets.\n\nObviously, you you still have liquid money that obviously goes through the bank and that pays the bills and it does everything you need to do. But, really, your biggest asset is sitting in your in your in your home. Aside from that, we obviously have your superannuation fund, and how that's invested as an individual asset does kind of does kind of, I guess, decide or dictate the future. Now percentage wise, how it's invested is important because you wanna know like, we need to sort of, I guess, make sure that we're having a balancing act between assets invested in the market, but also making sure that we're not taking on too much risk with those assets on the market. We wanna have that here.\n\nLet me backtrack. So investor risk profiles basically dictate what percentage of your funds are on the market and what percentage of funds are held defensively. Now defensive assets are still generally on market because you've got cash, you've got fixed interest, you've got bonds. Fixed interest and bond assets are still technically market valued assets, but there's less risk associated with them. Now when you when or if you look at underlying assets, what we always wanna do is we wanna look at how those assets are gonna track against the market, what actual underlying risk they have.\n\nJust because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them. We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart. Now the assets that you have currently are doing that, but I can also see that we could make some tweaks and changes because the market changes and the economic environment changes. And crazy enough, the political environment very aggressively changes currently. And that has an effect on some of the assets that we hold.\n\nNow with superannuation funds, Hub twenty four gives us a much greater investment manager than what others do. And, ultimately speaking, majority of your funds are doing really well. So if, like, if you if you can log on or if you ever do log on, you'd see that you have quite a number of, like, Australian listed securities that are performing really well. You do have one of your managed funds, which is a an Australian equity fund. And the equities fund, while it has previously performed extremely well, like, gangbustersly well, it took a bit of a dive.\n\nAnd while we did originally have some pretty decent belief in the fact that that that asset could turn around, it hasn't we've met with Benelon was the investment manager. We've met with Benelon. They're refusing to change their stance on how they invest within the fund. They are what's called a high conviction fund. So, basically, they stand behind their assets, and the assets just aren't pulling up their socks, to put it frank.\n\nSo, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you. Because all of your assets cost money, they they have do have investment fees associated with them. But it does come down to what style of investor you are. So while there's the risk profile that I kinda went through, which is how much money is on the versus defensively, there's also two styles of investors. So you can be someone who is happy to have a cheaper asset to track and slightly outperform the market, or we can look at having slightly more expensive assets, which is called active management, to outperform the market more aggressively.\n\nWhat, I guess, is your overall stance when it does come to investing in that realm? Still have plenty of time. Yeah. Cool. So what what I what I can do and what I wanna do is there's one fund I definitely definitely wanna move out of, and that's the been a long fund.\n\nThe other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing. So it's called a bank hybrid. The the government are are literally fit phasing them out by 2032, if memory serves, to be completely frank. I think it's 2032, 2029, somewhere around there. It's a few years off anyway.\n\nThey're all gonna be phased out, which means that that asset's not gonna exist anymore. So it makes no sense to continue holding. Sorry? So I no. That's okay.\n\nSo a banking hybrid is basically where you have bank asset held trying to explain it in yeah. Sorry. So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them. Like a term deposit, basically. Not quite.\n\nLike, that's really simplifying it, but, essentially, very similar to how a term deposit kinda works. It's it's almost like a fixed interest term deposit, shares, equity, all wrapped up into one. Yeah. But the government's phasing out banking hybrids because legislation changes have kind of happened, and and it's APRA, which is the, like, Australian financial regulator or one of, have have determined that those funds need to be reallocated. So, basically, within the next I believe I right.\n\nI'm pretty sure it is 2032. Is it within the next sort of, you know, whatever that is, five or six years, it's something like $30,000,000,000 that sits under banking hybrids will need to move out of banking hybrids and be reallocated. So, realistically, because over the next five years, they're going to have to be pushed out because it's being phased out, if we don't make a move now, but if we just allow it to be phased out organically, there's every chance that the asset price actually starts taking a dive within the next few years because they are phased out products, and everyone's gonna start selling out of them. So while the price is high, we'd rather take that do that sell now rather than waiting a few years and just letting it ride organically. Because if we if we do a letter ride organically, what's gonna happen is anyone who holds that asset will automatically be transferred over to another asset and or depending on the platform that you hold your money with, it'll just liquidate down to cash and you'll hold cash only.\n\nNot something we really wanna do in that phase. Specifically, we wanna stay invested on the market. So make a move now. I agree. So so what I wanna do from what I wanna do from your superannuation side is now I guess that I have those little bit of tidbit informational parts, is I can go and redo your portfolio.\n\nBut I do need to know what it is that you're wanting to get out of the investments, where your goals align to, and what you're ultimately hoping to achieve moving forward that's going to enable me to make sure that any investment recommendations I make, whether they're super aggressive or not, align to those goals and that we're able to achieve what you're wanting to achieve. I know that you wanna pay down the mortgage personally. I know that, you know, you did previously look at wanting to maybe move into investment properties in the past, whether that's still a goal that you're wanting to move towards. But what else is there, if anything? Mhmm.\n\nYep. You did. I helped you. I I sent you the yep. Details, and I sent you the receipt, and I that's okay.\n\nYeah. Yeah. Perfect. Nope. That's okay.\n\nSo let's talk about that. Let's talk about budget. Let's talk about where that fits. So currently, you earn a 130 a year. What do you actually live on?\n\nIt's always a question that stumps people. Yep. Oh, don't they ever? I've got teenagers myself, and does the grocery bill hurt? Huge.\n\nYep. Yeah. Well, may I ask? So with your superannuation fund, do you wanna look at because, like, I I know you put we we, you know, we've made that large deposit in in the in the June, but, you know, couple grand. Do you wanna look at doing something like that more regularly rather than just doing a quick, I guess, cash dump before end of financial year?\n\nWe can sort of increase the contributions you make throughout the year to assist with yeah. Because what happens is dollar cost averaging, if the more regular you put money in because you're buying different segments of the market, it enables you to buy let me use my favorite analogy. It's building a house. So when you buy bricks, you might go to one brick retailer and the bricks are $3. And then you go to another brick retailer and the bricks are $2.50.\n\nThen you go to another brick retailer, and the bricks are, you know, $2. And all of those little bricks that you buy at different segments from all the different retailers all make up your home as a whole. Now the longer you hold those bricks, the brick value goes up and down depending on how the market's moving. And when you're selling, we obviously wanna sell from the from the bottom up. So instead of demolishing the house from the top down, you actually take from the bottom of the slab, and you sell those assets off because you've held them the longest.\n\nAnd they're the ones that, you know, capital gains is not gonna affect. And you wanna try and sell in a way that if you bought a brick for $2, you're selling it for $4. You're not gonna sell the brick that you bought for $5 for $4, if that makes sense. And the only way that that can happen is if we put money in more regularly. Now I know that you do put money in in regularly.\n\nYou know, you your your contributions come in quarterly, and and and that'll that'll land fine. But what we can do is we can increase those contributions on the quarterly or depending on how much you like your accountant and will wanna do it. You could even start making those contributions monthly or more regularly. Payday super came in while you run your own business, so you're a little bit more withdrawn from that legislation because, you know, it's just yourself that you're kind of affecting. You know, the more frequently you pay your super, the the better it is on that front just from a dollar cost averaging perspective.\n\nBut I could make some recommendations around tax saving and what it would do for you and how much you could salary sacrifice regularly to help. But for me to be able to do that, I do need to know how much you're willing to forego from your weekly pay, which I know becomes hard because of how your business structures. Again, there's nothing wrong with doing what you did, where in the June, you give me a call and say, hey. I have this much money. What's that gonna do?\n\nCan I pop it in? Or give me an email and say, hey. I popped it in. Can you do the thing you need to do? Either right away.\n\nYeah. Yeah. I mean, currently, if, you know, if majority of savings are heading towards the renovations costs, once they're done, you may you know, things will free up and, you know, kick the kids out of home whenever that happens. I don't think mine are leaving anytime soon. I know.\n\nMine too. Although, you know, I still have a a young daughter, and I think she's eager to leave. She's only seven. So I've got two boys and a girl, teenagers, and and, yeah, a seven year old daughter, and she's pretty sure she's she's ready to pack a bag and leave. Unfortunately, headstrong like her mother.\n\nYeah. Definitely. She she do she she definitely knows. She's she's she's a absolute firecracker. Anyway, so with with with, I guess, retirement funding, are there any other sources of income you expect to be able to receive outside of, I guess, your super, Jade's super?\n\nAre there any other assets? Is there any wealth transfer that you're expecting as as awful as that sounds? Good. Perfect. No.\n\nThat's that's absolutely good. Okay. Too easy then. So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice. Now, generally, I'd like to have, like, a at least five or ten minute phone call with you after I've drawn it all up.\n\nI obviously don't have it at hand today. But for me to be able to draw it all up and go through from there. I know, Sebi, said you were unavailable for a couple of weeks. Yeah. No.\n\nNo. That's okay. I'm always happy, specifically on a Thursday, Friday, because, generally, I work from home on a Thursday, Friday. I'm more than happy to have, like, a evening call as well. So even if even if I just flick you an email and say, hey.\n\nI've done my thing. You know? When suits you? And we can kind of plan it from there. I should only need a couple like, based on the workload I currently have, I should only need less than two weeks to get everything drawn up and go from there.\n\nCool. Now outside of the super, you do have your insurance policy as well. Yes. Correct. I'm just opening it back up.\n\nWhere did it go? Yes. Well, at least he knows. I like it. No.\n\nSo you can rest you can rest assured not quite. And the legislation's changed pretty aggressively lately. So previously, what used to happen with any superannuation policy or or fund so because your your insurance policy is funded by your super fund, it forms part of, like, the super like, it falls under some form of super legislation. It falls under both, the Life Insurance Act and super. Now what happens is what used to happen in years gone by is they would go through what's called oh, it's gonna annoy me now.\n\nCan't think of the terminology, and that's gonna absolutely annoy me all night. But anyway, basically, they would you probably heard of it before where they put in the newspaper or they put ads out saying this person's died. Does anyone claim staking. Yes. Claim staking.\n\nDoes anyone have a a a a claim to stake on this estate? And super funds used to do it as well, life insurance policies. Banks would do it if no one stepped forward. There's no next of kin. And it did mean that, theoretically speaking, things would open up.\n\nSo there could be a lost uncle or a mate or a mate that said, yeah. He owed me $50. The super funds don't do it anymore. They actually just default straight through to your estate, which means if you have a will in place, the will takes over. If you don't have a will in place, which this is kind of a question, do you have a will in place?\n\nCool. Yes. If you don't have a will in place, there's actually very specific regulations that happen per state. Now because I work I live in Queensland, I can tell you what Queensland's are. I don't I I know that New South Wales is similar to Queensland, but they're definitely not the same.\n\nBut in Queensland, it's basically the first 300,000 of the estate goes to the spouse, and then the funds are divvied evenly between spouse and any surviving children. If there is no spouse, then it's the children. If there's only a spouse, then it goes all to the spouse. If there's no spouse, no children, then it it's parents, siblings, and down the line from there. So for yourself, you know, your your partner and your children would end up getting the money that way.\n\nBut is that your specific wishes? Maybe not because the kid's getting that much money versus your wife. And, realistically, from the superannuation perspective, your spouse is a tax dependent. Your spouse will always receive the benefit tax free. Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement.\n\nAnd your insurance policy is 1.34 mil and change. So it's a bit of money for the boys to probably get their hands on. Now no. You don't want it. Now on the insurance policy front, your policy has obviously increased a little bit over the last few years since it went in place, and it is sitting at $1,340,988.40.\n\nIs that still an appropriate amount given your debt being 700,000? Because, realistically, what that policy is gonna do because when you combine that policy with your superannuation fund, we're sitting over a mill and 0.5. So we're gonna be able to fully pay off the house and still have easily another $8,900,000 sitting in the bank. Plus, don't forget, the tools and the business can be sold down because you are the business. It's it's not that it's necessarily too excessive.\n\nIt's dependent on what you want for your family if something were to happen. Because, ultimately, you could turn around and go, no. Financially speaking, if I were to pass away and I know and there was no longer an income or I could never work again and there was no longer an income coming in from me, my $130,000 a year just stopped. But the mortgage was paid off. And we had $250,000 in the bank, or we had $400,000 in the bank.\n\nI wanna give each of the boys $50, and, you know, me and me and the wife have 300,000 just as a backup to do any renovations or anything else that we wanna do, my wife's income is actually sufficient for us to live day to day and pay the bills. And that would be your family and how it fits. But it is very, very dependent on how the finances operate. It does. And there there is always that balancing act.\n\nSo currently, the policy is costing $4,313.11 a year. $4.03 13 and 11¢. So the biggest question I have is, if something happened to you today, your income stopped, but your mortgage was paid off, Could the family so so the biggest question is, what is your what is your wage pay for? So does your wage pay just the mortgage, or does your wage also go towards other living expenses? And what are those living expenses?\n\nYep. Yep. Okay. So it could be that, realistically, the mortgage is if the mortgage is covered, any extra money is just kind of extra on top. So it's now a question of what do we want to have.\n\nRealistically, I always recommend at least an extra 200,000 specifically if we have a TPD event, total permanent disability, just in case any renovations need to happen, the medical costs of of anything that happens in that total impairment disabled space. So that would bring us to basically $900,000 there. But if we're at $900,000, you may as well go to mill purely and simply. And the reason I say that is when you hit specific brackets, the cost actually comes down. So there's been plenty of times where I look at, like, $9.50, but a mill is actually a million dollars is actually cheaper than 950.\n\nSounds counterintuitive, but it sure is. Yeah. I'd have to quote that up, but I can quote it and I can select it to you in an email. And what I'll do is I might give you a couple of different options between, like, a mail 1.2 and then, obviously, show you what you currently have and just kinda give you a couple of different options that way and show it. The other option is I can also go to market and see if there's any other providers that are cheaper because your policy is 2,023.\n\nSo, I mean, it's only three no. That's only three years old. There shouldn't be anything that's cheaper, but I'll go and have a look anyway to see if there is. But the painful part of that is going through all the medical questions and stuff like that again. So it's administrative.\n\nIt's like an hour of your time. But if it's a decent savings, then, obviously, that's gonna be a better avenue. So I'll have a look at at all of it, and we can kinda go from there on that front. Okay? Good.\n\nYes. Absolutely. Because I looked early this morning. I I was looking earlier today. I I'm one of those crazy people that, you know, don't take a lunch break.\n\nSo you have a working lunch. No. When you got booked into my calendar, I pulled up your file to have a look and took notes down. Because it's your super fund as well that doesn't have the nomination, so it's it's everything. It's not just the insurance policy.\n\nIt's the super fund as well. So we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway. Cool. Alright. Well, I will start getting digging on that front and go from there.\n\nI do have some documents that I have failed to send you while we were talking, but they're just basically informative for you. It's just like an asset performance sheet and stuff like that. I was just too busy talking instead of sending them to you, but we kinda talked about it all. And I know said he ran through some of the stuff this morning with you anyway. But I'll send those through.\n\nAnd then there's the client services agreement that I will send through Hub twenty four for you to authorize so we can continue acting as your adviser and servicing your account. I'll go away and get all my research happening. And once it's all drawn up or once I have everything back, I'll I'll email you through, and we can schedule a time to go through the advice. Amazing. Perfect.\n\nWell yeah. Yeah. Absolutely. It yeah. It it shouldn't be much more than two weeks, to be completely honest.\n\nLike, realistically, if it's two weeks, I'm not doing a good job good enough jobs. So I'll yeah. You'll have an email from me as soon as I basically get the quotes back from the insurers, which will that'll be the longest time as that that takes a couple of days to get that back. But, otherwise, we'll kind of go from there. Amazing.\n\nNo stress at all, Raffy. You have a good night. Oh, yeah. Thanks. Will do.\n\nBye.","paragraphs":[{"sentences":[{"text":"Larissa, Earthview Financial.","start":6.64,"end":8.18,"sentiment":"neutral","sentiment_score":0.06974780683716138},{"text":"Hi.","start":22.145,"end":22.625,"sentiment":"neutral","sentiment_score":0.17444917559623718},{"text":"Rafael Lovitza from HP Financial.","start":22.625,"end":24.465,"sentiment":"neutral","sentiment_score":0.1881135642528534},{"text":"How are you going?","start":24.465,"end":25.365,"sentiment":"neutral","sentiment_score":0.253502681851387},{"text":"Yeah.","start":27.35,"end":27.83,"sentiment":"neutral","sentiment_score":0.2552686333656311}],"sentiment":"neutral","sentiment_score":0.18525284129594052,"num_words":14,"start":6.64,"end":27.83},{"sentences":[{"text":"Good.","start":27.83,"end":28.33,"sentiment":"positive","sentiment_score":0.4433265328407288},{"text":"Good.","start":28.47,"end":28.97,"sentiment":"neutral","sentiment_score":0.32080399990081787},{"text":"Long time no speak.","start":29.59,"end":30.89,"sentiment":"neutral","sentiment_score":0.02748184371739626},{"text":"You know, few weeks.","start":31.03,"end":32.97,"sentiment":"neutral","sentiment_score":0.014688924886286259},{"text":"Yeah.","start":36.71,"end":37.21,"sentiment":"neutral","sentiment_score":0.12080638110637663}],"sentiment":"neutral","sentiment_score":0.09578363529660484,"num_words":11,"start":27.83,"end":37.21},{"sentences":[{"text":"Not too bad.","start":37.27,"end":38.07,"sentiment":"neutral","sentiment_score":0.18142516911029816},{"text":"How was your end of financial year?","start":38.07,"end":40.09,"sentiment":"neutral","sentiment_score":0.16170132479497365},{"text":"Right?","start":44.025,"end":44.525,"sentiment":"neutral","sentiment_score":0.1521546095609665},{"text":"It never get better.","start":44.985,"end":46.045002,"sentiment":"neutral","sentiment_score":0.08145301230251789},{"text":"Oh, I know.","start":51.465,"end":52.345,"sentiment":"neutral","sentiment_score":0.01711822673678398}],"sentiment":"neutral","sentiment_score":0.12252811777095,"num_words":18,"start":37.27,"end":52.345},{"sentences":[{"text":"I I my accountant literally sat down with me, and we went through everything.","start":52.345,"end":57.22,"sentiment":"neutral","sentiment_score":-0.017874193643885},{"text":"And then I sat there and went, are you sure you sure we have to do this?","start":57.22,"end":60.120003,"sentiment":"neutral","sentiment_score":-0.07900202011360842},{"text":"Yeah.","start":62.980003,"end":63.480003,"sentiment":"neutral","sentiment_score":-0.015946973115205765},{"text":"Forget about it.","start":64.66,"end":65.72,"sentiment":"neutral","sentiment_score":-0.13284130642811456},{"text":"That's right.","start":69.425,"end":70.325,"sentiment":"neutral","sentiment_score":0.19427315890789032}],"sentiment":"neutral","sentiment_score":-0.04376209804133789,"num_words":37,"start":52.345,"end":70.325},{"sentences":[{"text":"Always the way.","start":70.625,"end":71.425,"sentiment":"neutral","sentiment_score":0.16912223398685455},{"text":"The track may make his dollar.","start":71.425,"end":72.805,"sentiment":"neutral","sentiment_score":0.06876963501175244},{"text":"Well, the reasons well, I mean, you spoke to Sandy this morning or earlier today.","start":78.75,"end":83.25,"sentiment":"neutral","sentiment_score":-0.003268757089972496},{"text":"And, ultimately, the reason for, I guess, the call is to go through and review everything and have a chat, see if there's any changes that we may need to make, and, ultimately, update my files as well and kinda go from there.","start":83.630005,"end":94.835,"sentiment":"neutral","sentiment_score":0.03144735998885576},{"text":"Before I do jump into it too far, I do need to let you know that our calls are recorded and if I could get you confirmed security for me.","start":96.575,"end":103.854996,"sentiment":"neutral","sentiment_score":0.015758499751488367}],"sentiment":"neutral","sentiment_score":0.027793243585019996,"num_words":97,"start":70.625,"end":103.854996},{"sentences":[{"text":"So it's just full name, date of birth, address.","start":103.854996,"end":105.715,"sentiment":"neutral","sentiment_score":0.03662748593423101},{"text":"Perfect.","start":116.02,"end":116.52,"sentiment":"positive","sentiment_score":0.4246313571929931},{"text":"Okay.","start":118.18,"end":118.68,"sentiment":"neutral","sentiment_score":0.13648778200149536},{"text":"So there's a couple of things that I generally go through.","start":119.425,"end":123.445,"sentiment":"neutral","sentiment_score":-0.01887248172848062},{"text":"First and foremost, it's always good for me to update my files because that obviously kind of rings whether there's any major issues or or major changes in your life that I'm not aware of or things that I need to know about that might have changed for your your position overall.","start":123.585,"end":144.63,"sentiment":"neutral","sentiment_score":0.09693304513796018}],"sentiment":"neutral","sentiment_score":0.07734712919950285,"num_words":74,"start":103.854996,"end":144.63},{"sentences":[{"text":"So I'll go through all of that, but I guess is there anything that you can think of off the top of your head that I might need to done?","start":146.45,"end":153.545,"sentiment":"neutral","sentiment_score":0.0567314891765515},{"text":"Everything else is just plopping along.","start":160.165,"end":161.945,"sentiment":"neutral","sentiment_score":-0.1614735648036003},{"text":"Perfect.","start":165.02,"end":165.52,"sentiment":"positive","sentiment_score":0.4353985488414765},{"text":"Oh, wouldn't it?","start":167.42,"end":168.22,"sentiment":"neutral","sentiment_score":-0.038242350642879806},{"text":"I'm still waiting for mine too, unfortunately.","start":168.22,"end":170.56,"sentiment":"neutral","sentiment_score":-0.1958795189857483}],"sentiment":"neutral","sentiment_score":-0.006752805308775699,"num_words":47,"start":146.45,"end":170.56},{"sentences":[{"text":"No.","start":174.45999,"end":174.78,"sentiment":"neutral","sentiment_score":-0.19374556839466095},{"text":"That's alright.","start":174.78,"end":177.775,"sentiment":"neutral","sentiment_score":-0.09898899309337139},{"text":"Well, I will quick split through everything, and you can kind of hit the nail on the head a bit if anything.","start":177.775,"end":182.995,"sentiment":"neutral","sentiment_score":0.004499370274557309},{"text":"So I've got you de facto, and I've got Jade as your, like, Mexican.","start":185.535,"end":190.83499,"sentiment":"neutral","sentiment_score":0.1056377621633666},{"text":"In terms of income, I've got about 130,000 a year income wise.","start":194.55,"end":200.81,"sentiment":"neutral","sentiment_score":0.05570346117019653}],"sentiment":"neutral","sentiment_score":0.03636534893702643,"num_words":51,"start":174.45999,"end":200.81},{"sentences":[{"text":"Perfect.","start":203.67,"end":204.17,"sentiment":"positive","sentiment_score":0.43610960245132446},{"text":"Still that.","start":205.67,"end":206.445,"sentiment":"neutral","sentiment_score":0.25693394243717194},{"text":"Saving.","start":206.845,"end":207.345,"sentiment":"neutral","sentiment_score":0.26164162158966064},{"text":"And we expect to get that for this financial year as well?","start":207.88501,"end":210.705,"sentiment":"neutral","sentiment_score":0.23630013192693392},{"text":"Cool.","start":212.52501,"end":213.02501,"sentiment":"neutral","sentiment_score":0.18799549341201785}],"sentiment":"neutral","sentiment_score":0.2491303638500326,"num_words":17,"start":203.67,"end":213.02501},{"sentences":[{"text":"And then asset wise, I've got our PPR or our our home.","start":214.125,"end":219.505,"sentiment":"neutral","sentiment_score":0.10091707793374856},{"text":"That 2.6 value, about 760 owing.","start":219.54,"end":226.2,"sentiment":"neutral","sentiment_score":0.07479617310067017},{"text":"Yep.","start":236.425,"end":236.925,"sentiment":"neutral","sentiment_score":0.022600552067160606},{"text":"Okay.","start":238.265,"end":238.745,"sentiment":"neutral","sentiment_score":0.022966552525758743},{"text":"So still around that milli, 2.5 millish area?","start":238.745,"end":242.045,"sentiment":"neutral","sentiment_score":0.036695925751701}],"sentiment":"neutral","sentiment_score":0.07138987444341183,"num_words":28,"start":214.125,"end":242.045},{"sentences":[{"text":"Yep.","start":243.625,"end":244.125,"sentiment":"neutral","sentiment_score":0.028167566284537315},{"text":"Okay.","start":244.265,"end":244.765,"sentiment":"neutral","sentiment_score":0.023414913564920425},{"text":"And do you know the rough value of the loan?","start":245.065,"end":247.32,"sentiment":"neutral","sentiment_score":0.022491319105029106},{"text":"Cool.","start":251.88,"end":252.28001,"sentiment":"neutral","sentiment_score":0.24501952528953552},{"text":"Alright.","start":252.28001,"end":252.68001,"sentiment":"neutral","sentiment_score":0.28793078660964966}],"sentiment":"neutral","sentiment_score":0.057817570199923854,"num_words":14,"start":243.625,"end":252.68001},{"sentences":[{"text":"Perfect.","start":252.68001,"end":253.18001,"sentiment":"positive","sentiment_score":0.3634248971939087},{"text":"And then I have a boat, a motorbike, 20,000 for the boat, roughly 10 for the motorbike in value.","start":255.16,"end":266.98502,"sentiment":"neutral","sentiment_score":0.17983427408494448},{"text":"No debts on either of those, and we've got an offset account previously $5.","start":269.205,"end":273.525,"sentiment":"neutral","sentiment_score":0.12142830900847912},{"text":"Obviously, that fluctuates.","start":273.525,"end":274.665,"sentiment":"neutral","sentiment_score":0.07394769787788391},{"text":"So do you use your offset regularly?","start":274.885,"end":280.77,"sentiment":"neutral","sentiment_score":0.07143249256270272}],"sentiment":"neutral","sentiment_score":0.14095779482952572,"num_words":44,"start":252.68001,"end":280.77},{"sentences":[{"text":"Like, do you utilize your offset as basically the account that holds all of your money and then you live out of your offset, or how do you actually structure it?","start":280.99,"end":290.69,"sentiment":"neutral","sentiment_score":0.020947092423035253},{"text":"Oh, okay.","start":307.92,"end":308.9,"sentiment":"neutral","sentiment_score":-0.12415801733732224},{"text":"Okay.","start":313.36002,"end":313.86002,"sentiment":"neutral","sentiment_score":0.16486619412899017},{"text":"Well, pretty good push to go and do it then.","start":314.88,"end":317.22,"sentiment":"positive","sentiment_score":0.5837181776762008},{"text":"That's okay.","start":322.325,"end":323.225,"sentiment":"neutral","sentiment_score":0.1902422532439232}],"sentiment":"neutral","sentiment_score":0.1474690501699629,"num_words":46,"start":280.99,"end":323.225},{"sentences":[{"text":"Alright.","start":323.925,"end":324.425,"sentiment":"neutral","sentiment_score":0.18148522078990936},{"text":"It might just be a phone call that you could just make as well.","start":325.685,"end":328.505,"sentiment":"neutral","sentiment_score":0.15105908789805003},{"text":"No.","start":333.04498,"end":333.54498,"sentiment":"neutral","sentiment_score":-0.08240067958831787},{"text":"I mean, they're banks, so sometimes.","start":333.74,"end":335.68,"sentiment":"neutral","sentiment_score":-0.07770700380206108},{"text":"Now are there are there any other assets that you have at all?","start":338.7,"end":345.52,"sentiment":"neutral","sentiment_score":0.07378483807238248}],"sentiment":"neutral","sentiment_score":0.07733921839722566,"num_words":35,"start":323.925,"end":345.52},{"sentences":[{"text":"Like, I'm missing a car if we have one.","start":345.66,"end":347.865,"sentiment":"neutral","sentiment_score":-0.041850232829650245},{"text":"Yep.","start":355.705,"end":356.185,"sentiment":"neutral","sentiment_score":0.08530967682600021},{"text":"Cool.","start":356.185,"end":356.685,"sentiment":"neutral","sentiment_score":0.14588747918605804},{"text":"Nothing like that.","start":358.585,"end":359.54498,"sentiment":"neutral","sentiment_score":0.0025558285415172577},{"text":"Okay.","start":359.54498,"end":360.04498,"sentiment":"neutral","sentiment_score":0.03746174275875091}],"sentiment":"neutral","sentiment_score":-0.0066883807380994165,"num_words":15,"start":345.66,"end":360.04498},{"sentences":[{"text":"Yeah.","start":365.02,"end":365.52,"sentiment":"neutral","sentiment_score":0.019655441865324978},{"text":"Do you know how much the the company has?","start":365.81998,"end":368.24,"sentiment":"neutral","sentiment_score":0.005902301209668319},{"text":"Yeah.","start":371.02,"end":371.34,"sentiment":"neutral","sentiment_score":0.002421499229967594},{"text":"In asset.","start":371.34,"end":371.81998,"sentiment":"neutral","sentiment_score":-0.001760205253958702},{"text":"Like, in intangible assets.","start":371.81998,"end":373.36,"sentiment":"neutral","sentiment_score":0.004199629882350564}],"sentiment":"neutral","sentiment_score":0.00520445652963484,"num_words":17,"start":365.02,"end":373.36},{"sentences":[{"text":"No.","start":382.465,"end":382.965,"sentiment":"neutral","sentiment_score":-0.06302253901958466},{"text":"Count it, and then we'll you can let know what the liabilities are.","start":383.025,"end":385.925,"sentiment":"neutral","sentiment_score":-0.0230585581694658},{"text":"Yeah.","start":394.1,"end":394.6,"sentiment":"neutral","sentiment_score":0.0024768849834799767},{"text":"Yeah.","start":407.63498,"end":408.13498,"sentiment":"neutral","sentiment_score":0.04646429419517517},{"text":"Oh, no.","start":408.435,"end":408.995,"sentiment":"neutral","sentiment_score":0.03587863780558109}],"sentiment":"neutral","sentiment_score":-0.013449185579601262,"num_words":18,"start":382.465,"end":408.995},{"sentences":[{"text":"Don't don't don't you worry.","start":408.995,"end":411.01498,"sentiment":"neutral","sentiment_score":0.004444283682096284},{"text":"I'm mechanic's daughter, so I see how expensive those things get pretty quick.","start":411.81,"end":417.51,"sentiment":"neutral","sentiment_score":-0.0586594190591803},{"text":"Yep.","start":422.61,"end":423.11,"sentiment":"neutral","sentiment_score":0.026884891092777252},{"text":"Snap on comes for a trip and oh, I might have three of those, but I'll get another one.","start":423.81,"end":427.785,"sentiment":"neutral","sentiment_score":0.0022293579715647197},{"text":"I know.","start":431.465,"end":432.685,"sentiment":"neutral","sentiment_score":0.001718343934044242}],"sentiment":"neutral","sentiment_score":-0.016691791223456674,"num_words":40,"start":408.995,"end":432.685},{"sentences":[{"text":"Oh, you're right.","start":433.465,"end":434.285,"sentiment":"neutral","sentiment_score":-0.0018502816868325074},{"text":"And what liability since it does a business card that it currently has?","start":434.745,"end":439.085,"sentiment":"neutral","sentiment_score":-0.01934526230280216},{"text":"Biggest small.","start":444.96002,"end":445.94,"sentiment":"neutral","sentiment_score":-0.11678975075483322},{"text":"The car's on finance.","start":453.52002,"end":454.66,"sentiment":"neutral","sentiment_score":-0.05831653531640768},{"text":"Okay.","start":459.12,"end":459.62,"sentiment":"neutral","sentiment_score":-0.0005352934822440147}],"sentiment":"neutral","sentiment_score":-0.03149653005454203,"num_words":23,"start":433.465,"end":459.62},{"sentences":[{"text":"So it's definitely Oh, family.","start":459.705,"end":462.76498,"sentiment":"neutral","sentiment_score":-0.00011580722639337147},{"text":"Yep.","start":464.745,"end":465.245,"sentiment":"neutral","sentiment_score":0.08942149579524994},{"text":"That's perfect.","start":472.585,"end":473.32498,"sentiment":"positive","sentiment_score":0.6925768256187439},{"text":"Amazing.","start":475.19998,"end":475.69998,"sentiment":"positive","sentiment_score":0.5856460332870483},{"text":"And just, curiously, with the house, is that house purely in your name, or is that between you and your partner?","start":475.75998,"end":482.02,"sentiment":"neutral","sentiment_score":0.03889548202000913}],"sentiment":"neutral","sentiment_score":0.09588157555360037,"num_words":30,"start":459.705,"end":482.02},{"sentences":[{"text":"Yep.","start":484.96,"end":485.36,"sentiment":"neutral","sentiment_score":0.11209946870803832},{"text":"Cool.","start":485.36,"end":485.68,"sentiment":"positive","sentiment_score":0.4153435230255127},{"text":"Perfect.","start":485.68,"end":486.18,"sentiment":"positive","sentiment_score":0.5612483620643616},{"text":"And amazing.","start":489.275,"end":491.935,"sentiment":"positive","sentiment_score":0.5208900272846222},{"text":"Alright.","start":492.235,"end":492.63498,"sentiment":"neutral","sentiment_score":0.2796061635017395}],"sentiment":"positive","sentiment_score":0.40167959531148273,"num_words":6,"start":484.96,"end":492.63498},{"sentences":[{"text":"Cool.","start":492.63498,"end":493.13498,"sentiment":"neutral","sentiment_score":0.23715859651565552},{"text":"Alright.","start":495.115,"end":495.615,"sentiment":"neutral","sentiment_score":0.0842103660106659},{"text":"And do you know when the last time you had a look at the mortgage on the property was?","start":495.75497,"end":500.57498,"sentiment":"neutral","sentiment_score":0.0197395758801385},{"text":"Was it I I believe I know I know that you sorta had a look at it sometime early twenty twenty four.","start":500.72,"end":510.90002,"sentiment":"neutral","sentiment_score":0.013908824968067083},{"text":"Have you had a look at it since 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me.","start":535.07,"end":535.47,"sentiment":"neutral","sentiment_score":-0.08590495958924294},{"text":"I know it's an absolute pain, but I personally don't have a look at my loan every it's more like eighteen months, not twelve months, but I just talk to my broker and go through the absolute painful paperwork.","start":535.47,"end":548.185,"sentiment":"neutral","sentiment_score":-0.14986156662687278},{"text":"And sometimes it's a, yep.","start":549.44495,"end":551.045,"sentiment":"neutral","sentiment_score":-0.0434424988925457},{"text":"Nope.","start":551.045,"end":551.44495,"sentiment":"neutral","sentiment_score":-0.02638068050146103},{"text":"The one you're with is still good.","start":551.44495,"end":552.985,"sentiment":"neutral","sentiment_score":0.1012699633304562}],"sentiment":"neutral","sentiment_score":-0.10279841572736148,"num_words":54,"start":535.07,"end":552.985},{"sentences":[{"text":"And other times, it's 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I'm obviously not a broker, but I can definitely connect you with our broker, Brooke.","start":580.365,"end":585.505,"sentiment":"neutral","sentiment_score":0.25187063915655017},{"text":"She's fantastic.","start":585.965,"end":586.785,"sentiment":"positive","sentiment_score":0.8684404790401459},{"text":"I send my clients through her.","start":588.07996,"end":589.6,"sentiment":"positive","sentiment_score":0.71685924132665},{"text":"We get no kickbacks or anything like that.","start":589.6,"end":591.54,"sentiment":"positive","sentiment_score":0.5652682855725288}],"sentiment":"positive","sentiment_score":0.37338330215492915,"num_words":43,"start":576.605,"end":591.54},{"sentences":[{"text":"The only reason I use her is because she's been able to do great work with me, the staff I have, and, obviously, clients as 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absolutely loves giving those kinda ad hoc tidbits to help out as well.","start":627.375,"end":642.01,"sentiment":"neutral","sentiment_score":0.21965927266600457},{"text":"Cool.","start":644.55005,"end":645.05005,"sentiment":"neutral","sentiment_score":0.2463512122631073},{"text":"I know.","start":647.75,"end":648.39,"sentiment":"neutral","sentiment_score":0.043562959879636765},{"text":"The things they don't teach.","start":648.39,"end":649.61005,"sentiment":"neutral","sentiment_score":0.010987927205860615},{"text":"Oh, absolutely.","start":656.935,"end":658.42163,"sentiment":"neutral","sentiment_score":0.12540027871727943}],"sentiment":"neutral","sentiment_score":0.1908189874590823,"num_words":54,"start":627.375,"end":658.42163},{"sentences":[{"text":"Absolutely.","start":658.9083,"end":659.4083,"sentiment":"neutral","sentiment_score":0.12531869113445282},{"text":"Now with where you're at, I know that, like, previously, you've always been not a really aggressive investor.","start":659.89496,"end":671.48,"sentiment":"neutral","sentiment_score":-0.019622899453679565},{"text":"You've been kind of up there on a scale.","start":672.33997,"end":674.18,"sentiment":"neutral","sentiment_score":-0.036808388514651194},{"text":"You know, it was sort of a scale of one to five.","start":674.18,"end":676.42,"sentiment":"neutral","sentiment_score":-0.009201373439282179},{"text":"You're sitting at kind of a four, three and a half full.","start":676.42,"end":681.015,"sentiment":"neutral","sentiment_score":-0.3116234491268794}],"sentiment":"neutral","sentiment_score":-0.08478974743187652,"num_words":52,"start":658.9083,"end":681.015},{"sentences":[{"text":"When it comes to risk with any form of investing, there's there's different ways to look at it.","start":683.315,"end":690.53503,"sentiment":"neutral","sentiment_score":-0.18707952400048575},{"text":"Now there is how much of your money is actually invested in one individual, like, realm.","start":691.075,"end":701.62,"sentiment":"neutral","sentiment_score":0.04373918892815709},{"text":"So with your superannuation, that's obviously an investment vehicle, but then you've also got your personal self as well.","start":701.62,"end":707.56,"sentiment":"neutral","sentiment_score":0.14790823977244527},{"text":"And you can segment the two, but, ultimately, you need to look at overarchingly.","start":708.63495,"end":712.495,"sentiment":"neutral","sentiment_score":0.11928085690098149},{"text":"Now, personally, based on the assets you have, obviously, you have a lot of brick orientated assets.","start":713.355,"end":719.935,"sentiment":"neutral","sentiment_score":0.11929243890678182}],"sentiment":"neutral","sentiment_score":0.045720900054134074,"num_words":84,"start":683.315,"end":719.935},{"sentences":[{"text":"Obviously, you you still have liquid money that obviously goes through the bank and that pays the bills and it does everything you need to do.","start":721.3,"end":727.32,"sentiment":"neutral","sentiment_score":0.2091497300335994},{"text":"But, really, your biggest asset is sitting in your in your in your home.","start":728.10004,"end":732.36,"sentiment":"neutral","sentiment_score":0.17278675309249333},{"text":"Aside from that, we obviously have your superannuation fund, and how that's invested as an individual asset does kind of does kind of, I guess, decide or dictate the future.","start":734.35504,"end":748.695,"sentiment":"neutral","sentiment_score":0.19460538377364475},{"text":"Now percentage wise, how it's invested is important because you wanna know like, we need to sort of, I guess, make sure that we're having a balancing act between assets invested in the market, but also making sure that we're not taking on too much risk with those assets on the market.","start":749.19,"end":767.53503,"sentiment":"neutral","sentiment_score":0.06932334286662248},{"text":"We wanna have that here.","start":767.59503,"end":770.715,"sentiment":"neutral","sentiment_score":0.16037169098854065}],"sentiment":"neutral","sentiment_score":0.14253339623137723,"num_words":127,"start":721.3,"end":770.715},{"sentences":[{"text":"Let me backtrack.","start":770.715,"end":771.53503,"sentiment":"neutral","sentiment_score":-0.053995318710803986},{"text":"So investor risk profiles basically dictate what percentage of your funds are on the market and what percentage of funds are held defensively.","start":771.835,"end":783.5,"sentiment":"neutral","sentiment_score":-0.0543195903301239},{"text":"Now defensive assets are still generally on market because you've got cash, you've got fixed interest, you've got bonds.","start":783.72,"end":788.94,"sentiment":"neutral","sentiment_score":0.0399952570074483},{"text":"Fixed interest and bond assets are still technically market valued assets, but there's less risk associated with them.","start":789.14496,"end":796.925,"sentiment":"neutral","sentiment_score":0.06120705728729566},{"text":"Now when you when or if you look at underlying assets, what we always wanna do is we wanna look at how those assets are gonna track against the market, what actual underlying risk they have.","start":799.385,"end":813.11,"sentiment":"neutral","sentiment_score":0.04732010172059139}],"sentiment":"neutral","sentiment_score":0.021755798409382503,"num_words":99,"start":770.715,"end":813.11},{"sentences":[{"text":"Just because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them.","start":814.05,"end":840.91,"sentiment":"neutral","sentiment_score":-0.14783752111912662},{"text":"We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart.","start":840.91,"end":848.33496,"sentiment":"neutral","sentiment_score":0.3244700774550438},{"text":"Now the assets that you have currently are doing that, but I can also see that we could make some tweaks and changes because the market changes and the economic environment changes.","start":848.795,"end":863.58997,"sentiment":"neutral","sentiment_score":0.027460810146294534},{"text":"And crazy enough, the political environment very aggressively changes currently.","start":863.64996,"end":868.23,"sentiment":"neutral","sentiment_score":-0.19361694976687432},{"text":"And that has an effect on some of the assets that we hold.","start":869.97,"end":872.79,"sentiment":"neutral","sentiment_score":0.12775308753435427}],"sentiment":"neutral","sentiment_score":-0.019805252119164233,"num_words":142,"start":814.05,"end":872.79},{"sentences":[{"text":"Now with superannuation funds, Hub twenty four gives us a much greater investment manager than what others do.","start":873.765,"end":887.145,"sentiment":"positive","sentiment_score":0.4237595482005013},{"text":"And, ultimately speaking, majority of your funds are doing really well.","start":888.34,"end":893.62,"sentiment":"positive","sentiment_score":0.5453670051964846},{"text":"So if, like, if you if you can log on or if you ever do log on, you'd see that you have quite a number of, like, Australian listed securities that are performing really well.","start":893.62,"end":904.555,"sentiment":"neutral","sentiment_score":0.3238868355751038},{"text":"You do have one of your managed funds, which is a an Australian equity fund.","start":905.095,"end":911.27496,"sentiment":"neutral","sentiment_score":0.21584120492140452},{"text":"And the equities fund, while it has previously performed extremely well, like, gangbustersly well, it took a bit of a dive.","start":912.935,"end":925.27,"sentiment":"neutral","sentiment_score":0.05383177669275375}],"sentiment":"neutral","sentiment_score":0.2933083355426788,"num_words":100,"start":873.765,"end":925.27},{"sentences":[{"text":"And while we did originally have some pretty decent belief in the fact that that that asset could turn around, it hasn't we've met with Benelon was the investment manager.","start":925.89,"end":936.865,"sentiment":"neutral","sentiment_score":-0.0996282622218132},{"text":"We've met with Benelon.","start":936.865,"end":937.84503,"sentiment":"neutral","sentiment_score":-0.0479184752330184},{"text":"They're refusing to change their stance on how they invest within the fund.","start":938.22504,"end":943.1,"sentiment":"neutral","sentiment_score":-0.14488629882152265},{"text":"They are what's called a high conviction fund.","start":943.64,"end":945.88,"sentiment":"neutral","sentiment_score":0.029216617345809937},{"text":"So, basically, they stand behind their assets, and the assets just aren't pulling up their socks, to put it frank.","start":945.88,"end":952.86,"sentiment":"neutral","sentiment_score":-0.0030043842270970345}],"sentiment":"neutral","sentiment_score":-0.06520531197388967,"num_words":75,"start":925.89,"end":952.86},{"sentences":[{"text":"So, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you.","start":953.96,"end":969.585,"sentiment":"neutral","sentiment_score":0.2831107554467101},{"text":"Because all of your assets cost money, they they have do have investment fees associated with them.","start":969.87,"end":974.85,"sentiment":"neutral","sentiment_score":-0.03358328912188025},{"text":"But it does come down to what style of investor you are.","start":976.03,"end":979.25,"sentiment":"neutral","sentiment_score":0.04383859317749739},{"text":"So while there's the risk profile that I kinda went through, which is how much money is on the versus defensively, there's also two styles of investors.","start":979.47003,"end":989.83496,"sentiment":"neutral","sentiment_score":-0.0782302086138063},{"text":"So you can be someone who is happy to have a cheaper asset to track and slightly outperform the market, or we can look at having slightly more expensive assets, which is called active management, to outperform the market more aggressively.","start":990.375,"end":1006.43,"sentiment":"neutral","sentiment_score":0.07878622976018161}],"sentiment":"neutral","sentiment_score":0.08763981998242713,"num_words":135,"start":953.96,"end":1006.43},{"sentences":[{"text":"What, I guess, is your overall stance when it does come to investing in that realm?","start":1008.97,"end":1013.055,"sentiment":"neutral","sentiment_score":0.09305511461570859},{"text":"Still have plenty of time.","start":1020.495,"end":1021.875,"sentiment":"neutral","sentiment_score":-0.0042503602802753445},{"text":"Yeah.","start":1038.78,"end":1039.28,"sentiment":"neutral","sentiment_score":0.020959142595529556},{"text":"Cool.","start":1042.565,"end":1043.065,"sentiment":"neutral","sentiment_score":0.31233376264572144},{"text":"So what what I what I can do and what I wanna do is there's one fund I definitely definitely wanna move out of, and that's the been a long fund.","start":1043.6849,"end":1050.905,"sentiment":"neutral","sentiment_score":0.1359096222346829}],"sentiment":"neutral","sentiment_score":0.11137261531419224,"num_words":54,"start":1008.97,"end":1050.905},{"sentences":[{"text":"The other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing.","start":1051.525,"end":1058.74,"sentiment":"neutral","sentiment_score":-0.24323705099523069},{"text":"So it's called a bank hybrid.","start":1058.74,"end":1060.12,"sentiment":"neutral","sentiment_score":0.007626686866084735},{"text":"The the government are are literally fit phasing them out by 2032, if memory serves, to be completely frank.","start":1060.8201,"end":1071.1649,"sentiment":"neutral","sentiment_score":-0.09220154720701669},{"text":"I think it's 2032, 2029, somewhere around there.","start":1072.505,"end":1076.0449,"sentiment":"neutral","sentiment_score":-0.1353755071759224},{"text":"It's a few years off anyway.","start":1076.1849,"end":1077.645,"sentiment":"neutral","sentiment_score":-0.3122635881106059}],"sentiment":"neutral","sentiment_score":-0.16148128613071927,"num_words":59,"start":1051.525,"end":1077.645},{"sentences":[{"text":"They're all gonna be phased out, which means that that asset's not gonna exist anymore.","start":1078.0249,"end":1081.4049,"sentiment":"negative","sentiment_score":-0.3822850445906321},{"text":"So it makes no sense to continue holding.","start":1082.3999,"end":1084.58,"sentiment":"negative","sentiment_score":-0.554154708981514},{"text":"Sorry?","start":1085.2,"end":1085.7,"sentiment":"neutral","sentiment_score":-0.19636410474777224},{"text":"So I no.","start":1088.32,"end":1090.48,"sentiment":"neutral","sentiment_score":-0.19889034827550253},{"text":"That's okay.","start":1090.48,"end":1091.2999,"sentiment":"neutral","sentiment_score":-0.06802083365619183}],"sentiment":"negative","sentiment_score":-0.3826410399171813,"num_words":29,"start":1078.0249,"end":1091.2999},{"sentences":[{"text":"So a banking hybrid is basically where you have bank asset held trying to explain it in yeah.","start":1091.7599,"end":1105.265,"sentiment":"neutral","sentiment_score":-0.05428258722854985},{"text":"Sorry.","start":1105.265,"end":1105.765,"sentiment":"neutral","sentiment_score":-0.10332170128822328},{"text":"So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them.","start":1106.945,"end":1128.765,"sentiment":"neutral","sentiment_score":0.2554046464015226},{"text":"Like a term deposit, basically.","start":1133.225,"end":1134.765,"sentiment":"neutral","sentiment_score":0.13345233500003814},{"text":"Not quite.","start":1136.9,"end":1137.8,"sentiment":"neutral","sentiment_score":-0.07430800795555115}],"sentiment":"neutral","sentiment_score":0.17261977951930857,"num_words":87,"start":1091.7599,"end":1137.8},{"sentences":[{"text":"Like, that's really simplifying it, but, essentially, very similar to how a term deposit kinda works.","start":1137.86,"end":1143.96,"sentiment":"neutral","sentiment_score":0.09204137907363474},{"text":"It's it's almost like a fixed interest term deposit, shares, equity, all wrapped up into one.","start":1144.98,"end":1151.805,"sentiment":"neutral","sentiment_score":0.1454623113386333},{"text":"Yeah.","start":1154.505,"end":1155.005,"sentiment":"neutral","sentiment_score":0.08288002014160156},{"text":"But the government's phasing out banking hybrids because legislation changes have kind of happened, and and it's APRA, which is the, like, Australian financial regulator or one of, have have determined that those funds need to be reallocated.","start":1156.585,"end":1178.965,"sentiment":"neutral","sentiment_score":-0.12385420187523491},{"text":"So, basically, within the next I believe I right.","start":1179.105,"end":1181.425,"sentiment":"neutral","sentiment_score":-0.06466562507881059}],"sentiment":"neutral","sentiment_score":-0.01756889037787914,"num_words":80,"start":1137.86,"end":1181.425},{"sentences":[{"text":"I'm pretty sure it is 2032.","start":1181.425,"end":1183.2051,"sentiment":"neutral","sentiment_score":0.012741634311775366},{"text":"Is it within the next sort of, you know, whatever that is, five or six years, it's something like $30,000,000,000 that sits under banking hybrids will need to move out of banking hybrids and be reallocated.","start":1184.305,"end":1196.49,"sentiment":"neutral","sentiment_score":-0.11974270393451054},{"text":"So, realistically, because over the next five years, they're going to have to be pushed out because it's being phased out, if we don't make a move now, but if we just allow it to be phased out organically, there's every chance that the asset price actually starts taking a dive within the next few years because they are phased out products, and everyone's gonna start selling out of them.","start":1197.9099,"end":1218.4801,"sentiment":"neutral","sentiment_score":-0.26496427367840497},{"text":"So while the price is high, we'd rather take that do that sell now rather than waiting a few years and just letting it ride organically.","start":1218.7001,"end":1226.0,"sentiment":"neutral","sentiment_score":-0.2139448827275863},{"text":"Because if we if we do a letter ride organically, what's gonna happen is anyone who holds that asset will automatically be transferred over to another asset and or depending on the platform that you hold your money with, it'll just liquidate down to cash and you'll hold cash only.","start":1226.14,"end":1241.295,"sentiment":"neutral","sentiment_score":0.04262694323435426}],"sentiment":"neutral","sentiment_score":-0.13943088554499788,"num_words":188,"start":1181.425,"end":1241.295},{"sentences":[{"text":"Not something we really wanna do in that phase.","start":1241.58,"end":1243.9,"sentiment":"neutral","sentiment_score":-0.1778667349782255},{"text":"Specifically, we wanna stay invested on the market.","start":1243.9,"end":1246.0,"sentiment":"neutral","sentiment_score":0.0925883324816823},{"text":"So make a move now.","start":1246.86,"end":1248.96,"sentiment":"neutral","sentiment_score":-0.020559661835432053},{"text":"I agree.","start":1252.46,"end":1253.2,"sentiment":"neutral","sentiment_score":0.23447555303573608},{"text":"So so what I wanna do from what I wanna do from your superannuation side is now I guess that I have those little bit of tidbit informational parts, is I can go and redo your portfolio.","start":1254.7,"end":1267.595,"sentiment":"neutral","sentiment_score":0.27063235076698094}],"sentiment":"neutral","sentiment_score":0.15605665279216455,"num_words":61,"start":1241.58,"end":1267.595},{"sentences":[{"text":"But I do need to know what it is that you're wanting to get out of the investments, where your goals align to, and what you're ultimately hoping to achieve moving forward that's going to enable me to make sure that any investment recommendations I make, whether they're super aggressive or not, align to those goals and that we're able to achieve what you're wanting to achieve.","start":1267.8151,"end":1292.285,"sentiment":"positive","sentiment_score":0.40839775896339275},{"text":"I know that you wanna pay down the mortgage personally.","start":1292.345,"end":1294.505,"sentiment":"neutral","sentiment_score":0.27614595293998717},{"text":"I know that, you know, you did previously look at wanting to maybe move into investment properties in the past, whether that's still a goal that you're wanting to move towards.","start":1294.505,"end":1302.97,"sentiment":"neutral","sentiment_score":0.2480434448488297},{"text":"But what else is there, if anything?","start":1303.75,"end":1305.9299,"sentiment":"neutral","sentiment_score":-0.010737878403493337},{"text":"Mhmm.","start":1312.405,"end":1312.905,"sentiment":"neutral","sentiment_score":0.18593713641166687}],"sentiment":"neutral","sentiment_score":0.32693300136075965,"num_words":116,"start":1267.8151,"end":1312.905},{"sentences":[{"text":"Yep.","start":1321.125,"end":1321.445,"sentiment":"neutral","sentiment_score":0.07115229219198227},{"text":"You did.","start":1321.445,"end":1322.1849,"sentiment":"neutral","sentiment_score":0.12443551048636436},{"text":"I helped you.","start":1322.565,"end":1323.545,"sentiment":"neutral","sentiment_score":0.09083109349012375},{"text":"I I sent you the yep.","start":1323.765,"end":1325.22,"sentiment":"neutral","sentiment_score":0.1124784064789613},{"text":"Details, and I sent you the receipt, and I that's okay.","start":1326.4199,"end":1331.48,"sentiment":"neutral","sentiment_score":0.16152392260052942}],"sentiment":"neutral","sentiment_score":0.13235435570063797,"num_words":23,"start":1321.125,"end":1331.48},{"sentences":[{"text":"Yeah.","start":1339.86,"end":1340.36,"sentiment":"neutral","sentiment_score":0.08282734453678131},{"text":"Yeah.","start":1342.365,"end":1342.865,"sentiment":"neutral","sentiment_score":-0.027453234419226646},{"text":"Perfect.","start":1354.2849,"end":1354.7849,"sentiment":"positive","sentiment_score":0.6471771001815796},{"text":"Nope.","start":1355.37,"end":1355.53,"sentiment":"neutral","sentiment_score":0.32879698276519775},{"text":"That's okay.","start":1355.53,"end":1356.35,"sentiment":"positive","sentiment_score":0.3641376793384552}],"sentiment":"neutral","sentiment_score":0.2932705919568737,"num_words":6,"start":1339.86,"end":1356.35},{"sentences":[{"text":"So let's talk about that.","start":1356.41,"end":1358.09,"sentiment":"neutral","sentiment_score":0.19417526125907897},{"text":"Let's talk about budget.","start":1358.09,"end":1359.05,"sentiment":"neutral","sentiment_score":0.12384768016636372},{"text":"Let's talk about where that fits.","start":1359.05,"end":1360.89,"sentiment":"neutral","sentiment_score":0.17310291528701782},{"text":"So currently, you earn a 130 a year.","start":1360.89,"end":1363.71,"sentiment":"neutral","sentiment_score":0.08180047105997801},{"text":"What do you actually live on?","start":1366.01,"end":1367.71,"sentiment":"neutral","sentiment_score":-0.009534056298434734}],"sentiment":"neutral","sentiment_score":0.10696841204731629,"num_words":29,"start":1356.41,"end":1367.71},{"sentences":[{"text":"It's always a question that stumps people.","start":1374.8049,"end":1376.665,"sentiment":"neutral","sentiment_score":-0.15095429601413862},{"text":"Yep.","start":1387.1101,"end":1387.6101,"sentiment":"neutral","sentiment_score":0.06285162270069122},{"text":"Oh, don't they ever?","start":1390.2301,"end":1391.6101,"sentiment":"neutral","sentiment_score":-0.04477258864790201},{"text":"I've got teenagers myself, and does the grocery bill hurt?","start":1391.67,"end":1395.37,"sentiment":"neutral","sentiment_score":-0.15871767960488797},{"text":"Huge.","start":1407.125,"end":1407.625,"sentiment":"neutral","sentiment_score":0.21783435344696045}],"sentiment":"neutral","sentiment_score":-0.11053309767790463,"num_words":23,"start":1374.8049,"end":1407.625},{"sentences":[{"text":"Yep.","start":1413.85,"end":1414.35,"sentiment":"neutral","sentiment_score":0.18853044509887695},{"text":"Yeah.","start":1427.015,"end":1427.515,"sentiment":"neutral","sentiment_score":0.10839740931987762},{"text":"Well, may I ask?","start":1428.055,"end":1429.495,"sentiment":"neutral","sentiment_score":0.05929466336965561},{"text":"So with your superannuation fund, do you wanna look at because, like, I I know you put we we, you know, we've made that large deposit in in the in the June, but, you know, couple grand.","start":1429.495,"end":1447.895,"sentiment":"neutral","sentiment_score":0.07315124732417029},{"text":"Do you wanna look at doing something like that more regularly rather than just doing a quick, I guess, cash dump before end of financial year?","start":1448.435,"end":1458.675,"sentiment":"neutral","sentiment_score":0.12276947727570167}],"sentiment":"neutral","sentiment_score":0.09322766765304234,"num_words":69,"start":1413.85,"end":1458.675},{"sentences":[{"text":"We can sort of increase the contributions you make throughout the year to assist with yeah.","start":1458.675,"end":1467.85,"sentiment":"neutral","sentiment_score":0.2804442821070552},{"text":"Because what happens is dollar cost averaging, if the more regular you put money in because you're buying different segments of the market, it enables you to buy let me use my favorite analogy.","start":1467.85,"end":1481.3049,"sentiment":"neutral","sentiment_score":0.2375041101785267},{"text":"It's building a house.","start":1481.3049,"end":1482.365,"sentiment":"neutral","sentiment_score":0.15939167328178883},{"text":"So when you buy bricks, you might go to one brick retailer and the bricks are $3.","start":1482.985,"end":1487.625,"sentiment":"neutral","sentiment_score":0.07157864290125229},{"text":"And then you go to another brick retailer and the bricks are $2.50.","start":1487.625,"end":1491.085,"sentiment":"neutral","sentiment_score":0.047195238849291436}],"sentiment":"neutral","sentiment_score":0.1789308331818098,"num_words":84,"start":1458.675,"end":1491.085},{"sentences":[{"text":"Then you go to another brick retailer, and the bricks are, you know, $2.","start":1491.2,"end":1495.62,"sentiment":"neutral","sentiment_score":0.059960002079606056},{"text":"And all of those little bricks that you buy at different segments from all the different retailers all make up your home as a whole.","start":1496.16,"end":1502.42,"sentiment":"neutral","sentiment_score":0.1153765369951725},{"text":"Now the longer you hold those bricks, the brick value goes up and down depending on how the market's moving.","start":1502.88,"end":1507.565,"sentiment":"neutral","sentiment_score":0.01362916948273778},{"text":"And when you're selling, we obviously wanna sell from the from the bottom up.","start":1507.7849,"end":1513.005,"sentiment":"neutral","sentiment_score":0.2588550884808813},{"text":"So instead of demolishing the house from the top down, you actually take from the bottom of the slab, and you sell those assets off because you've held them the longest.","start":1513.065,"end":1521.085,"sentiment":"neutral","sentiment_score":0.21910788455317098}],"sentiment":"neutral","sentiment_score":0.13858415868778068,"num_words":104,"start":1491.2,"end":1521.085},{"sentences":[{"text":"And they're the ones that, you know, capital gains is not gonna affect.","start":1522.02,"end":1525.9601,"sentiment":"neutral","sentiment_score":0.2861019430252222},{"text":"And you wanna try and sell in a way that if you bought a brick for $2, you're selling it for $4.","start":1526.5,"end":1531.2201,"sentiment":"neutral","sentiment_score":0.29891681332479825},{"text":"You're not gonna sell the brick that you bought for $5 for $4, if that makes sense.","start":1531.2201,"end":1536.165,"sentiment":"neutral","sentiment_score":0.08943938770714928},{"text":"And the only way that that can happen is if we put money in more regularly.","start":1538.7251,"end":1541.765,"sentiment":"positive","sentiment_score":0.34543222561478615},{"text":"Now I know that you do put money in in regularly.","start":1541.765,"end":1544.985,"sentiment":"positive","sentiment_score":0.35257927667010913}],"sentiment":"neutral","sentiment_score":0.2686234480595287,"num_words":79,"start":1522.02,"end":1544.985},{"sentences":[{"text":"You know, you your your contributions come in quarterly, and and and that'll that'll land fine.","start":1545.365,"end":1550.5851,"sentiment":"neutral","sentiment_score":0.28777437563985586},{"text":"But what we can do is we can increase those contributions on the quarterly or depending on how much you like your accountant and will wanna do it.","start":1551.27,"end":1560.31,"sentiment":"positive","sentiment_score":0.4138894815530096},{"text":"You could even start making those contributions monthly or more regularly.","start":1560.31,"end":1563.8501,"sentiment":"positive","sentiment_score":0.5052323693578894},{"text":"Payday super came in while you run your own business, so you're a little bit more withdrawn from that legislation because, you know, it's just yourself that you're kind of affecting.","start":1564.565,"end":1574.585,"sentiment":"neutral","sentiment_score":0.04810018500974102},{"text":"You know, the more frequently you pay your super, the the better it is on that front just from a dollar cost averaging perspective.","start":1576.75,"end":1582.77,"sentiment":"positive","sentiment_score":0.368449713413914}],"sentiment":"neutral","sentiment_score":0.2916795492172241,"num_words":110,"start":1545.365,"end":1582.77},{"sentences":[{"text":"But I could make some recommendations around tax saving and what it would do for you and how much you could salary sacrifice regularly to help.","start":1585.23,"end":1595.735,"sentiment":"positive","sentiment_score":0.3365379610958581},{"text":"But for me to be able to do that, I do need to know how much you're willing to forego from your weekly pay, which I know becomes hard because of how your business structures.","start":1595.875,"end":1607.2101,"sentiment":"neutral","sentiment_score":-0.20704789970602308},{"text":"Again, there's nothing wrong with doing what you did, where in the June, you give me a call and say, hey.","start":1607.43,"end":1613.29,"sentiment":"neutral","sentiment_score":0.015337341420707248},{"text":"I have this much money.","start":1614.2301,"end":1615.3501,"sentiment":"neutral","sentiment_score":-0.042254626750946045},{"text":"What's that gonna do?","start":1615.3501,"end":1616.5701,"sentiment":"neutral","sentiment_score":-0.01731280703097582}],"sentiment":"neutral","sentiment_score":0.016976596777337594,"num_words":91,"start":1585.23,"end":1616.5701},{"sentences":[{"text":"Can I pop it in?","start":1616.715,"end":1618.375,"sentiment":"neutral","sentiment_score":0.046049478277564046},{"text":"Or give me an email and say, hey.","start":1618.5549,"end":1620.075,"sentiment":"neutral","sentiment_score":0.013686089543625712},{"text":"I popped it in.","start":1620.075,"end":1620.715,"sentiment":"neutral","sentiment_score":0.04322098335251212},{"text":"Can you do the thing you need to do?","start":1620.715,"end":1622.335,"sentiment":"neutral","sentiment_score":0.021301092579960823},{"text":"Either right away.","start":1623.115,"end":1627.375,"sentiment":"neutral","sentiment_score":-0.005930919821063678}],"sentiment":"neutral","sentiment_score":0.023673693617356235,"num_words":29,"start":1616.715,"end":1627.375},{"sentences":[{"text":"Yeah.","start":1627.595,"end":1628.095,"sentiment":"neutral","sentiment_score":0.07149755954742432},{"text":"Yeah.","start":1638.96,"end":1639.4401,"sentiment":"neutral","sentiment_score":0.08210691064596176},{"text":"I mean, currently, if, you know, if majority of savings are heading towards the renovations costs, once they're done, you may you know, things will free up and, you know, kick the kids out of home whenever that happens.","start":1639.4401,"end":1651.005,"sentiment":"neutral","sentiment_score":0.058247371027484916},{"text":"I don't think mine are leaving anytime soon.","start":1651.005,"end":1653.025,"sentiment":"negative","sentiment_score":-0.3402198441326618},{"text":"I know.","start":1657.965,"end":1658.525,"sentiment":"neutral","sentiment_score":-0.10100508853793144}],"sentiment":"neutral","sentiment_score":-0.009774842938663913,"num_words":51,"start":1627.595,"end":1658.525},{"sentences":[{"text":"Mine too.","start":1658.525,"end":1659.345,"sentiment":"neutral","sentiment_score":-0.06008332595229149},{"text":"Although, you know, I still have a a young daughter, and I think she's eager to leave.","start":1660.98,"end":1665.0801,"sentiment":"neutral","sentiment_score":-0.12877757672001333},{"text":"She's only seven.","start":1667.9401,"end":1668.98,"sentiment":"neutral","sentiment_score":-0.06871940692265828},{"text":"So I've got two boys and a girl, teenagers, and and, yeah, a seven year old daughter, and she's pretty sure she's she's ready to pack a bag and leave.","start":1668.98,"end":1678.745,"sentiment":"neutral","sentiment_score":0.015180601466757556},{"text":"Unfortunately, headstrong like her mother.","start":1680.405,"end":1682.1849,"sentiment":"negative","sentiment_score":-0.549945729970932}],"sentiment":"neutral","sentiment_score":-0.08438340846955646,"num_words":57,"start":1658.525,"end":1682.1849},{"sentences":[{"text":"Yeah.","start":1690.25,"end":1690.65,"sentiment":"neutral","sentiment_score":0.12267716974020004},{"text":"Definitely.","start":1690.65,"end":1691.15,"sentiment":"neutral","sentiment_score":0.17237889766693115},{"text":"She she do she she definitely knows.","start":1693.21,"end":1695.39,"sentiment":"neutral","sentiment_score":0.04048961294548852},{"text":"She's she's she's a absolute firecracker.","start":1696.57,"end":1700.4299,"sentiment":"neutral","sentiment_score":-0.20656281026701132},{"text":"Anyway, so with with with, I guess, retirement funding, are there any other sources of income you expect to be able to receive outside of, I guess, your super, Jade's super?","start":1703.735,"end":1717.1,"sentiment":"neutral","sentiment_score":0.017395966776436376}],"sentiment":"neutral","sentiment_score":-0.0026438811631954236,"num_words":46,"start":1690.25,"end":1717.1},{"sentences":[{"text":"Are there any other assets?","start":1717.3999,"end":1718.6799,"sentiment":"neutral","sentiment_score":-0.019722984917461873},{"text":"Is there any wealth transfer that you're expecting as as awful as that sounds?","start":1718.6799,"end":1724.38,"sentiment":"neutral","sentiment_score":-0.13962063459413393},{"text":"Good.","start":1738.085,"end":1738.485,"sentiment":"positive","sentiment_score":0.5216022729873657},{"text":"Perfect.","start":1738.485,"end":1738.985,"sentiment":"positive","sentiment_score":0.5808141231536865},{"text":"No.","start":1739.765,"end":1740.165,"sentiment":"positive","sentiment_score":0.4363737404346466}],"sentiment":"neutral","sentiment_score":-0.023386985105885702,"num_words":22,"start":1717.3999,"end":1740.165},{"sentences":[{"text":"That's that's absolutely good.","start":1740.165,"end":1742.22,"sentiment":"positive","sentiment_score":0.5749254822731018},{"text":"Okay.","start":1743.1799,"end":1743.6599,"sentiment":"neutral","sentiment_score":0.277155339717865},{"text":"Too easy then.","start":1743.6599,"end":1744.78,"sentiment":"neutral","sentiment_score":0.2761991818745931},{"text":"So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice.","start":1744.78,"end":1763.145,"sentiment":"neutral","sentiment_score":0.11349112977488683},{"text":"Now, generally, I'd like to have, like, a at least five or ten minute phone call with you after I've drawn it all up.","start":1764.1649,"end":1771.61,"sentiment":"neutral","sentiment_score":0.025146654341369867}],"sentiment":"neutral","sentiment_score":0.11798230079667908,"num_words":84,"start":1740.165,"end":1771.61},{"sentences":[{"text":"I obviously don't have it at hand today.","start":1771.61,"end":1773.47,"sentiment":"neutral","sentiment_score":-0.09397058375179768},{"text":"But for me to be able to draw it all up and go through from there.","start":1774.33,"end":1777.39,"sentiment":"neutral","sentiment_score":-0.013129299622960389},{"text":"I know, Sebi, said you were unavailable for a couple of weeks.","start":1778.01,"end":1781.3099,"sentiment":"neutral","sentiment_score":-0.1363396051650246},{"text":"Yeah.","start":1791.3251,"end":1791.8251,"sentiment":"neutral","sentiment_score":0.02786809019744396},{"text":"No.","start":1793.0851,"end":1793.5851,"sentiment":"neutral","sentiment_score":-0.08580238372087479}],"sentiment":"neutral","sentiment_score":-0.06989060577593352,"num_words":38,"start":1771.61,"end":1793.5851},{"sentences":[{"text":"No.","start":1796.045,"end":1796.285,"sentiment":"neutral","sentiment_score":-0.04711335524916649},{"text":"That's okay.","start":1796.285,"end":1797.1051,"sentiment":"neutral","sentiment_score":0.10643691476434469},{"text":"I'm always happy, specifically on a Thursday, Friday, because, generally, I work from home on a Thursday, Friday.","start":1797.4851,"end":1803.49,"sentiment":"neutral","sentiment_score":0.2945920270350244},{"text":"I'm more than happy to have, like, a evening call as well.","start":1803.49,"end":1806.3099,"sentiment":"positive","sentiment_score":0.4895986517270406},{"text":"So even if even if I just flick you an email and say, hey.","start":1807.25,"end":1810.23,"sentiment":"neutral","sentiment_score":0.18135322843279159}],"sentiment":"neutral","sentiment_score":0.29537331871688366,"num_words":47,"start":1796.045,"end":1810.23},{"sentences":[{"text":"I've done my thing.","start":1810.85,"end":1811.99,"sentiment":"neutral","sentiment_score":0.2016315832734108},{"text":"You know?","start":1812.13,"end":1812.7899,"sentiment":"neutral","sentiment_score":0.1664050742983818},{"text":"When suits you?","start":1812.9299,"end":1813.99,"sentiment":"neutral","sentiment_score":0.17540627717971802},{"text":"And we can kind of plan it from there.","start":1814.475,"end":1816.255,"sentiment":"neutral","sentiment_score":0.22037649527192116},{"text":"I should only need a couple like, based on the workload I currently have, I should only need less than two weeks to get everything drawn up and go from there.","start":1816.475,"end":1826.495,"sentiment":"neutral","sentiment_score":0.13678049656652636}],"sentiment":"neutral","sentiment_score":0.16100284008651364,"num_words":49,"start":1810.85,"end":1826.495},{"sentences":[{"text":"Cool.","start":1830.3501,"end":1830.67,"sentiment":"positive","sentiment_score":0.4318830966949463},{"text":"Now outside of the super, you do have your insurance policy as well.","start":1830.67,"end":1836.53,"sentiment":"neutral","sentiment_score":0.11135030193970753},{"text":"Yes.","start":1840.11,"end":1840.61,"sentiment":"neutral","sentiment_score":0.015385618433356283},{"text":"Correct.","start":1840.91,"end":1841.41,"sentiment":"neutral","sentiment_score":0.03150952234864235},{"text":"I'm just opening it back up.","start":1842.605,"end":1843.8049,"sentiment":"neutral","sentiment_score":0.00734375324100256}],"sentiment":"neutral","sentiment_score":0.08956339464268902,"num_words":22,"start":1830.3501,"end":1843.8049},{"sentences":[{"text":"Where did it go?","start":1843.8049,"end":1844.7849,"sentiment":"neutral","sentiment_score":-0.03204336669296026},{"text":"Yes.","start":1850.365,"end":1850.865,"sentiment":"neutral","sentiment_score":-0.06006912887096405},{"text":"Well, at least he knows.","start":1853.85,"end":1855.0499,"sentiment":"neutral","sentiment_score":0.14376454502344133},{"text":"I like it.","start":1855.0499,"end":1855.87,"sentiment":"positive","sentiment_score":0.43304022153218585},{"text":"No.","start":1866.33,"end":1866.57,"sentiment":"neutral","sentiment_score":-0.13097527623176575}],"sentiment":"neutral","sentiment_score":0.12133753698851381,"num_words":14,"start":1843.8049,"end":1866.57},{"sentences":[{"text":"So you can rest you can rest assured not quite.","start":1866.57,"end":1869.71,"sentiment":"neutral","sentiment_score":-0.07916173860430717},{"text":"And the legislation's changed pretty aggressively lately.","start":1870.385,"end":1874.005,"sentiment":"neutral","sentiment_score":-0.19042040833405086},{"text":"So previously, what used to happen with any superannuation policy or or fund so because your your insurance policy is funded by your super fund, it forms part of, like, the super like, it falls under some form of super legislation.","start":1874.865,"end":1894.7201,"sentiment":"neutral","sentiment_score":-0.07287392374582408},{"text":"It falls under both, the Life Insurance Act and super.","start":1895.3401,"end":1898.0,"sentiment":"neutral","sentiment_score":-0.04530973117798567},{"text":"Now what happens is what used to happen in years gone by is they would go through what's called oh, it's gonna annoy me now.","start":1899.635,"end":1911.895,"sentiment":"neutral","sentiment_score":-0.20967651695013045}],"sentiment":"neutral","sentiment_score":-0.11620861670422938,"num_words":93,"start":1866.57,"end":1911.895},{"sentences":[{"text":"Can't think of the terminology, and that's gonna absolutely annoy me all night.","start":1917.3301,"end":1920.61,"sentiment":"negative","sentiment_score":-0.4369435264514043},{"text":"But anyway, basically, they would you probably heard of it before where they put in the newspaper or they put ads out saying this person's died.","start":1920.61,"end":1930.415,"sentiment":"neutral","sentiment_score":-0.1119924820959568},{"text":"Does anyone claim staking.","start":1930.415,"end":1932.1951,"sentiment":"neutral","sentiment_score":-0.07409822754561901},{"text":"Yes.","start":1932.8151,"end":1933.3151,"sentiment":"neutral","sentiment_score":0.00009992718696594238},{"text":"Claim staking.","start":1934.495,"end":1935.395,"sentiment":"neutral","sentiment_score":-0.0399281345307827}],"sentiment":"neutral","sentiment_score":-0.19496129631348277,"num_words":46,"start":1917.3301,"end":1935.395},{"sentences":[{"text":"Does anyone have a a a a claim to stake on this estate?","start":1935.615,"end":1939.875,"sentiment":"neutral","sentiment_score":-0.0425270377443387},{"text":"And super funds used to do it as well, life insurance policies.","start":1940.95,"end":1943.85,"sentiment":"neutral","sentiment_score":-0.06787782131383817},{"text":"Banks would do it if no one stepped forward.","start":1943.9099,"end":1945.99,"sentiment":"neutral","sentiment_score":-0.21968512733777365},{"text":"There's no next of kin.","start":1945.99,"end":1947.21,"sentiment":"neutral","sentiment_score":-0.246369406580925},{"text":"And it did mean that, theoretically speaking, things would open up.","start":1948.95,"end":1952.8899,"sentiment":"neutral","sentiment_score":-0.04900974102995612}],"sentiment":"neutral","sentiment_score":-0.10231011353433132,"num_words":50,"start":1935.615,"end":1952.8899},{"sentences":[{"text":"So there could be a lost uncle or a mate or a mate that said, yeah.","start":1953.2699,"end":1956.5851,"sentiment":"neutral","sentiment_score":-0.1011635446920991},{"text":"He owed me $50.","start":1956.5851,"end":1957.7251,"sentiment":"neutral","sentiment_score":-0.14433689415454865},{"text":"The super funds don't do it anymore.","start":1959.625,"end":1961.405,"sentiment":"negative","sentiment_score":-0.36756676861218046},{"text":"They actually just default straight through to your estate, which means if you have a will in place, the will takes over.","start":1961.4651,"end":1967.485,"sentiment":"neutral","sentiment_score":-0.2537685070525516},{"text":"If you don't have a will in place, which this is kind of a question, do you have a will in place?","start":1967.625,"end":1974.1699,"sentiment":"neutral","sentiment_score":-0.10922192291102627}],"sentiment":"neutral","sentiment_score":-0.17964395959402474,"num_words":71,"start":1953.2699,"end":1974.1699},{"sentences":[{"text":"Cool.","start":1979.11,"end":1979.61,"sentiment":"neutral","sentiment_score":0.06214946508407593},{"text":"Yes.","start":1981.51,"end":1982.01,"sentiment":"neutral","sentiment_score":0.010207662358880045},{"text":"If you don't have a will in place, there's actually very specific regulations that happen per state.","start":1982.3099,"end":1989.0349,"sentiment":"neutral","sentiment_score":-0.11167676001787186},{"text":"Now because I work I live in Queensland, I can tell you what Queensland's are.","start":1989.575,"end":1994.0549,"sentiment":"neutral","sentiment_score":0.0007741159449021021},{"text":"I don't I I know that New South Wales is similar to Queensland, but they're definitely not the same.","start":1994.0549,"end":2001.01,"sentiment":"neutral","sentiment_score":-0.07177463350327391}],"sentiment":"neutral","sentiment_score":-0.059967058306595065,"num_words":53,"start":1979.11,"end":2001.01},{"sentences":[{"text":"But in Queensland, it's basically the first 300,000 of the estate goes to the spouse, and then the funds are divvied evenly between spouse and any surviving children.","start":2001.31,"end":2015.4349,"sentiment":"neutral","sentiment_score":0.015787625053365315},{"text":"If there is no spouse, then it's the children.","start":2015.4349,"end":2017.375,"sentiment":"neutral","sentiment_score":-0.05896665487024519},{"text":"If there's only a spouse, then it goes all to the spouse.","start":2017.595,"end":2020.075,"sentiment":"neutral","sentiment_score":-0.0457528963064154},{"text":"If there's no spouse, no children, then it it's parents, siblings, and down the line from there.","start":2020.075,"end":2026.095,"sentiment":"neutral","sentiment_score":-0.07193802779211718},{"text":"So for yourself, you know, your your partner and your children would end up getting the money that way.","start":2026.34,"end":2033.4,"sentiment":"neutral","sentiment_score":0.19937616704325928}],"sentiment":"neutral","sentiment_score":0.02267670062754084,"num_words":85,"start":2001.31,"end":2033.4},{"sentences":[{"text":"But is that your specific wishes?","start":2035.22,"end":2037.88,"sentiment":"neutral","sentiment_score":0.006819950727125009},{"text":"Maybe not because the kid's getting that much money versus your wife.","start":2038.26,"end":2046.305,"sentiment":"neutral","sentiment_score":-0.09686072543263435},{"text":"And, realistically, from the superannuation perspective, your spouse is a tax dependent.","start":2046.8451,"end":2053.0251,"sentiment":"neutral","sentiment_score":-0.07031318172812462},{"text":"Your spouse will always receive the benefit tax free.","start":2053.59,"end":2056.55,"sentiment":"neutral","sentiment_score":0.026921437432368595},{"text":"Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement.","start":2056.55,"end":2068.01,"sentiment":"neutral","sentiment_score":-0.08923923750134076}],"sentiment":"neutral","sentiment_score":-0.06516449753041953,"num_words":73,"start":2035.22,"end":2068.01},{"sentences":[{"text":"And your insurance policy is 1.34 mil and change.","start":2070.925,"end":2074.545,"sentiment":"neutral","sentiment_score":-0.07707458403375414},{"text":"So it's a bit of money for the boys to probably get their hands on.","start":2077.4849,"end":2082.625,"sentiment":"neutral","sentiment_score":-0.20002451042334238},{"text":"Now no.","start":2083.32,"end":2088.84,"sentiment":"neutral","sentiment_score":-0.23047035932540894},{"text":"You don't want it.","start":2088.84,"end":2089.98,"sentiment":"negative","sentiment_score":-0.413598395884037},{"text":"Now on the insurance policy front, your policy has obviously increased a little bit over the last few years since it went in place, and it is sitting at $1,340,988.40.","start":2097.315,"end":2116.0598,"sentiment":"neutral","sentiment_score":-0.06909079533070325}],"sentiment":"neutral","sentiment_score":-0.13136828457936645,"num_words":60,"start":2070.925,"end":2116.0598},{"sentences":[{"text":"Is that still an appropriate amount given your debt being 700,000?","start":2119.0,"end":2125.26,"sentiment":"neutral","sentiment_score":0.16661614247343756},{"text":"Because, realistically, what that policy is gonna do because when you combine that policy with your superannuation fund, we're sitting over a mill and 0.5.","start":2125.985,"end":2135.205,"sentiment":"neutral","sentiment_score":0.07543971307575703},{"text":"So we're gonna be able to fully pay off the house and still have easily another $8,900,000 sitting in the bank.","start":2136.385,"end":2144.14,"sentiment":"neutral","sentiment_score":0.1471177525818348},{"text":"Plus, don't forget, the tools and the business can be sold down because you are the business.","start":2147.08,"end":2152.14,"sentiment":"neutral","sentiment_score":-0.09195456894881585},{"text":"It's it's not that it's necessarily too excessive.","start":2157.7852,"end":2160.845,"sentiment":"neutral","sentiment_score":-0.2737898100167513}],"sentiment":"neutral","sentiment_score":0.03725240300068768,"num_words":82,"start":2119.0,"end":2160.845},{"sentences":[{"text":"It's dependent on what you want for your family if something were to happen.","start":2161.465,"end":2165.165,"sentiment":"neutral","sentiment_score":-0.2729558689253671},{"text":"Because, ultimately, you could turn around and go, no.","start":2166.02,"end":2168.28,"sentiment":"neutral","sentiment_score":-0.26129711667696637},{"text":"Financially speaking, if I were to pass away and I know and there was no longer an income or I could never work again and there was no longer an income coming in from me, my $130,000 a year just stopped.","start":2168.34,"end":2180.5999,"sentiment":"neutral","sentiment_score":-0.24974914876426138},{"text":"But the mortgage was paid off.","start":2181.8948,"end":2183.4348,"sentiment":"neutral","sentiment_score":-0.1009132352968057},{"text":"And we had $250,000 in the bank, or we had $400,000 in the bank.","start":2183.9749,"end":2189.6548,"sentiment":"neutral","sentiment_score":-0.001607565741453852}],"sentiment":"neutral","sentiment_score":-0.20286615055409216,"num_words":84,"start":2161.465,"end":2189.6548},{"sentences":[{"text":"I wanna give each of the boys $50, and, you know, me and me and the wife have 300,000 just as a backup to do any renovations or anything else that we wanna do, my wife's income is actually sufficient for us to live day to day and pay the bills.","start":2189.6548,"end":2202.74,"sentiment":"neutral","sentiment_score":0.16339446567729407},{"text":"And that would be your family and how it fits.","start":2203.36,"end":2205.7,"sentiment":"neutral","sentiment_score":0.22714639455080032},{"text":"But it is very, very dependent on how the finances operate.","start":2207.76,"end":2212.505,"sentiment":"neutral","sentiment_score":-0.13327227939258923},{"text":"It does.","start":2223.84,"end":2224.56,"sentiment":"neutral","sentiment_score":0.00972777046263218},{"text":"And there there is always that balancing act.","start":2224.56,"end":2226.74,"sentiment":"neutral","sentiment_score":-0.026686653029173613}],"sentiment":"neutral","sentiment_score":0.10907986510272433,"num_words":82,"start":2189.6548,"end":2226.74},{"sentences":[{"text":"So currently, the policy is costing $4,313.11 a year.","start":2228.4001,"end":2236.6602,"sentiment":"neutral","sentiment_score":-0.02821457613673475},{"text":"$4.03 13 and 11¢.","start":2241.7651,"end":2244.585,"sentiment":"neutral","sentiment_score":-0.010520787288745245},{"text":"So the biggest question I have is, if something happened to you today, your income stopped, but your mortgage was paid off, Could the family so so the biggest question is, what is your what is your wage pay for?","start":2253.31,"end":2271.2952,"sentiment":"neutral","sentiment_score":-0.06609944966621698},{"text":"So does your wage pay just the mortgage, or does your wage also go towards other living expenses?","start":2271.995,"end":2277.915,"sentiment":"neutral","sentiment_score":-0.04454903987546762},{"text":"And what are those living expenses?","start":2277.915,"end":2279.5352,"sentiment":"neutral","sentiment_score":-0.03463976923376322}],"sentiment":"neutral","sentiment_score":-0.05183148509087531,"num_words":77,"start":2228.4001,"end":2279.5352},{"sentences":[{"text":"Yep.","start":2287.3901,"end":2287.8901,"sentiment":"neutral","sentiment_score":0.06289207935333252},{"text":"Yep.","start":2292.59,"end":2293.09,"sentiment":"neutral","sentiment_score":0.09087594598531724},{"text":"Okay.","start":2294.435,"end":2294.915,"sentiment":"neutral","sentiment_score":0.08976811170578003},{"text":"So it could be that, realistically, the mortgage is if the mortgage is covered, any extra money is just kind of extra on top.","start":2294.915,"end":2305.715,"sentiment":"neutral","sentiment_score":-0.036603171533594527},{"text":"So it's now a question of what do we want to have.","start":2305.715,"end":2309.335,"sentiment":"neutral","sentiment_score":-0.0669785172988971}],"sentiment":"neutral","sentiment_score":-0.036889286855092414,"num_words":39,"start":2287.3901,"end":2309.335},{"sentences":[{"text":"Realistically, I always recommend at least an extra 200,000 specifically if we have a TPD event, total permanent disability, just in case any renovations need to happen, the medical costs of of anything that happens in that total impairment disabled space.","start":2309.9302,"end":2324.11,"sentiment":"neutral","sentiment_score":-0.01674556759435956},{"text":"So that would bring us to basically $900,000 there.","start":2326.865,"end":2330.485,"sentiment":"neutral","sentiment_score":0.00002238609724574619},{"text":"But if we're at $900,000, you may as well go to mill purely and simply.","start":2331.905,"end":2335.345,"sentiment":"neutral","sentiment_score":-0.00257054561128219},{"text":"And the reason I say that is when you hit specific brackets, the cost actually comes down.","start":2335.345,"end":2340.5,"sentiment":"neutral","sentiment_score":0.02810271952629966},{"text":"So there's been plenty of times where I look at, like, $9.50, but a mill is actually a million dollars is actually cheaper than 950.","start":2340.96,"end":2347.3,"sentiment":"neutral","sentiment_score":0.011937632896006108}],"sentiment":"neutral","sentiment_score":0.0004790848007895679,"num_words":107,"start":2309.9302,"end":2347.3},{"sentences":[{"text":"Sounds counterintuitive, but it sure is.","start":2347.76,"end":2350.58,"sentiment":"neutral","sentiment_score":-0.2709464530150096},{"text":"Yeah.","start":2361.4548,"end":2361.9348,"sentiment":"neutral","sentiment_score":0.053037527948617935},{"text":"I'd have to quote that up, but I can quote it and I can select it to you in an email.","start":2361.9348,"end":2366.115,"sentiment":"neutral","sentiment_score":0.12454893014260701},{"text":"And what I'll do is I might give you a couple of different options between, like, a mail 1.2 and then, obviously, show you what you currently have and just kinda give you a couple of different options that way and show it.","start":2366.36,"end":2378.62,"sentiment":"neutral","sentiment_score":0.09506528629639814},{"text":"The other option is I can also go to market and see if there's any other providers that are cheaper because your policy is 2,023.","start":2379.32,"end":2389.395,"sentiment":"neutral","sentiment_score":0.08585002884268761}],"sentiment":"neutral","sentiment_score":0.07580150390276685,"num_words":96,"start":2347.76,"end":2389.395},{"sentences":[{"text":"So, I mean, it's only three no.","start":2389.695,"end":2391.375,"sentiment":"neutral","sentiment_score":-0.003331132233142853},{"text":"That's only three years old.","start":2391.375,"end":2392.65,"sentiment":"neutral","sentiment_score":-0.051572813838720324},{"text":"There shouldn't be anything that's cheaper, but I'll go and have a look anyway to see if there is.","start":2393.2898,"end":2398.8298,"sentiment":"neutral","sentiment_score":0.02273071322001909},{"text":"But the painful part of that is going through all the medical questions and stuff like that again.","start":2399.21,"end":2403.2898,"sentiment":"neutral","sentiment_score":-0.32576791445414227},{"text":"So it's administrative.","start":2403.2898,"end":2404.19,"sentiment":"neutral","sentiment_score":-0.2760343849658966}],"sentiment":"neutral","sentiment_score":-0.1257927703599517,"num_words":52,"start":2389.695,"end":2404.19},{"sentences":[{"text":"It's like an hour of your time.","start":2405.145,"end":2406.2651,"sentiment":"neutral","sentiment_score":-0.21697462030819484},{"text":"But if it's a decent savings, then, obviously, that's gonna be a better avenue.","start":2406.2651,"end":2411.0051,"sentiment":"neutral","sentiment_score":0.0029450689575501857},{"text":"So I'll have a look at at all of it, and we can kinda go from there on that front.","start":2414.0251,"end":2418.345,"sentiment":"neutral","sentiment_score":0.17303852401673794},{"text":"Okay?","start":2418.345,"end":2418.845,"sentiment":"neutral","sentiment_score":0.10186309367418288},{"text":"Good.","start":2427.5398,"end":2428.0398,"sentiment":"positive","sentiment_score":0.344939649105072}],"sentiment":"neutral","sentiment_score":0.056511205729357035,"num_words":43,"start":2405.145,"end":2428.0398},{"sentences":[{"text":"Yes.","start":2428.0999,"end":2428.5,"sentiment":"neutral","sentiment_score":0.276388943195343},{"text":"Absolutely.","start":2428.5,"end":2429.0,"sentiment":"neutral","sentiment_score":0.28250548243522644},{"text":"Because I looked early this morning.","start":2431.795,"end":2433.415,"sentiment":"neutral","sentiment_score":0.1102453184624513},{"text":"I I was looking earlier today.","start":2435.715,"end":2437.495,"sentiment":"neutral","sentiment_score":0.01160702295601368},{"text":"I I'm one of those crazy people that, you know, don't take a lunch break.","start":2438.915,"end":2442.835,"sentiment":"neutral","sentiment_score":0.024408223417898018}],"sentiment":"neutral","sentiment_score":0.057107993979649295,"num_words":29,"start":2428.0999,"end":2442.835},{"sentences":[{"text":"So you have a working lunch.","start":2442.835,"end":2444.04,"sentiment":"neutral","sentiment_score":0.04930185992270708},{"text":"No.","start":2446.76,"end":2447.0,"sentiment":"neutral","sentiment_score":-0.07348235696554184},{"text":"When you got booked into my calendar, I pulled up your file to have a look and took notes down.","start":2447.0,"end":2451.18,"sentiment":"neutral","sentiment_score":0.014067655429244041},{"text":"Because it's your super fund as well that doesn't have the nomination, so it's it's everything.","start":2451.48,"end":2455.74,"sentiment":"neutral","sentiment_score":0.031036135042086244},{"text":"It's not just the insurance policy.","start":2455.8801,"end":2457.4001,"sentiment":"neutral","sentiment_score":-0.011467141603740552}],"sentiment":"neutral","sentiment_score":0.019009331065439145,"num_words":49,"start":2442.835,"end":2457.4001},{"sentences":[{"text":"It's the super fund as well.","start":2457.4001,"end":2458.6,"sentiment":"neutral","sentiment_score":0.08043068647384644},{"text":"So we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway.","start":2458.6,"end":2467.165,"sentiment":"neutral","sentiment_score":0.15137814615781492},{"text":"Cool.","start":2469.705,"end":2470.105,"sentiment":"positive","sentiment_score":0.4171752333641052},{"text":"Alright.","start":2470.105,"end":2470.425,"sentiment":"neutral","sentiment_score":0.23768743872642517},{"text":"Well, I will start getting digging on that front and go from there.","start":2470.425,"end":2474.52,"sentiment":"neutral","sentiment_score":0.1163862247306567}],"sentiment":"neutral","sentiment_score":0.14013403218160284,"num_words":47,"start":2457.4001,"end":2474.52},{"sentences":[{"text":"I do have some documents that I have failed to send you while we were talking, but they're just basically informative for you.","start":2474.84,"end":2481.18,"sentiment":"neutral","sentiment_score":0.0594871474996857},{"text":"It's just like an asset performance sheet and stuff like that.","start":2481.8,"end":2485.18,"sentiment":"neutral","sentiment_score":0.06872258233753117},{"text":"I was just too busy talking instead of sending them to you, but we kinda talked about it all.","start":2485.6401,"end":2489.4,"sentiment":"neutral","sentiment_score":-0.06107370124051446},{"text":"And I know said he ran through some of the stuff this morning with you anyway.","start":2489.4,"end":2492.2249,"sentiment":"neutral","sentiment_score":0.014576363610103726},{"text":"But I'll send those through.","start":2492.9248,"end":2494.305,"sentiment":"neutral","sentiment_score":0.08893073499202728}],"sentiment":"neutral","sentiment_score":0.022184161721049128,"num_words":74,"start":2474.84,"end":2494.305},{"sentences":[{"text":"And then there's the client services agreement that I will send through Hub twenty four for you to authorize so we can continue acting as your adviser and servicing your account.","start":2494.9248,"end":2507.1802,"sentiment":"neutral","sentiment_score":0.13131696526562014},{"text":"I'll go away and get all my research happening.","start":2507.8,"end":2510.06,"sentiment":"neutral","sentiment_score":0.15522647731833988},{"text":"And once it's all drawn up or once I have everything back, I'll I'll email you through, and we can schedule a time to go through the advice.","start":2510.28,"end":2518.7148,"sentiment":"neutral","sentiment_score":0.13541354558297566},{"text":"Amazing.","start":2521.815,"end":2522.315,"sentiment":"positive","sentiment_score":0.7153949737548828},{"text":"Perfect.","start":2524.295,"end":2524.795,"sentiment":"positive","sentiment_score":0.5448927879333496}],"sentiment":"neutral","sentiment_score":0.15028187510158333,"num_words":70,"start":2494.9248,"end":2524.795},{"sentences":[{"text":"Well yeah.","start":2524.9348,"end":2531.72,"sentiment":"neutral","sentiment_score":0.060123901814222336},{"text":"Yeah.","start":2531.72,"end":2532.04,"sentiment":"neutral","sentiment_score":0.12372478097677232},{"text":"Absolutely.","start":2532.04,"end":2532.54,"sentiment":"neutral","sentiment_score":0.2441386282444},{"text":"It yeah.","start":2532.68,"end":2533.08,"sentiment":"neutral","sentiment_score":0.11351759359240532},{"text":"It it shouldn't be much more than two weeks, to be completely honest.","start":2533.08,"end":2535.16,"sentiment":"neutral","sentiment_score":-0.04477657492344196}],"sentiment":"neutral","sentiment_score":0.0070026803173516925,"num_words":19,"start":2524.9348,"end":2535.16},{"sentences":[{"text":"Like, realistically, if it's two weeks, I'm not doing a good job good enough jobs.","start":2535.16,"end":2538.3,"sentiment":"neutral","sentiment_score":-0.22155627459287644},{"text":"So I'll yeah.","start":2539.96,"end":2540.84,"sentiment":"neutral","sentiment_score":-0.006319670627514522},{"text":"You'll have an email from me as soon as I basically get the quotes back from the insurers, which will that'll be the longest time as that that takes a couple of days to get that back.","start":2540.84,"end":2549.775,"sentiment":"neutral","sentiment_score":0.0515279737678734},{"text":"But, otherwise, we'll kind of go from there.","start":2550.015,"end":2552.835,"sentiment":"neutral","sentiment_score":0.027470913832075894},{"text":"Amazing.","start":2555.055,"end":2555.555,"sentiment":"positive","sentiment_score":0.8391066789627075}],"sentiment":"neutral","sentiment_score":-0.0058889704960165545,"num_words":64,"start":2535.16,"end":2555.555},{"sentences":[{"text":"No stress at all, Raffy.","start":2558.57,"end":2559.93,"sentiment":"positive","sentiment_score":0.5423591732978821},{"text":"You have a good night.","start":2559.93,"end":2560.9102,"sentiment":"positive","sentiment_score":0.7608498096466064},{"text":"Oh, yeah.","start":2564.33,"end":2565.45,"sentiment":"positive","sentiment_score":0.34878140687942505},{"text":"Thanks.","start":2565.45,"end":2565.95,"sentiment":"positive","sentiment_score":0.6213014721870422},{"text":"Will do.","start":2570.01,"end":2570.6501,"sentiment":"neutral","sentiment_score":0.31500814855098724}],"sentiment":"positive","sentiment_score":0.5643283665180207,"num_words":15,"start":2558.57,"end":2570.6501},{"sentences":[{"text":"Bye.","start":2570.6501,"end":2571.1501,"sentiment":"neutral","sentiment_score":0.19168806076049805}],"sentiment":"neutral","sentiment_score":0.19168806076049805,"num_words":1,"start":2570.6501,"end":2571.1501}]}}]},{"alternatives":[{"transcript":"Your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hello. Russ speaking. I'm well. How are you? Yeah. It's been a while. You've been keeping well? Oh, mate. It's exciting as they get, I I guess. You know? You know? Just hey. You know, the tax man always wins. He's the real winner. Yeah. Yeah. Can we just scrub that? Okay. No. It's all part of the Yeah. It is it is what it is. Yeah. Yeah. That's exactly right. Sorry. What have we got? Mhmm. It's Rafael Morfe. Twenty eighth to the seventh nineteen seventy seven. It's 54 Kevin Avenue, Avalon Beach 2107. Yep. No. No. I still haven't won the lottery. Yeah. Nothing else. I'm told. Yeah. Yeah. We need to start to be nice. Yeah. It's like that. So, yeah, nothing's nothing's really changed. Okay. Okay. Yep. Yep. Pretty sure that's still open. Yeah. Yeah. Well, house prices have dropped a little bit. Not sure how much it dropped by, but they'd say probably about $200, I reckon, around here. Yeah. Yes. Around 700, I think. Yeah. Yeah. Actually, at the moment, that's that's stopped for some reason. So we've got a I've got my savings my other savings as an offset. And the other one was I've gotta go back to the bank and reset it because they took it off for what I'm not sure what happened there. But so I've gotta, yeah, go back and sort that out again. Yeah. I I totally forgot about it till you just mentioned it. Yeah. Yeah. It shouldn't be that hard. You wouldn't imagine. Yeah. That's true. Thanks for doing well. Oh, well, it's oh, Jesus. No. That's under the company name. Yeah. Yeah. So all all the other assets are all underneath the company, under that umbrella. In assets? Now I see well, I'm paying the car off. Does that does that count the whole amount or just what you pay off? Or Okay. So it'd be with the tools probably a 120,000, 130, something like that. Probably a little bit more, but that's that's probably being conservative. When you no. When you add it all up, then you you shake your head and wonder how you did that. Yeah. Yeah. I was a mechanic too, so I know how they go. Yeah. Yeah. That's what happens. Buddy snap on. Just me, really? It's not the live yeah. It really doesn't have too much in the way of liabilities. Well, no. I borrowed the money through my parents. So I've been yeah. So it's just personal loan, no interest. So that worked out well. But, yeah, that's that's it. That's pretty much it. Everything else is is down outright. Between me and Jive. No. No. So what in the way of going to the bank and talking to them about interest and all that? Is that what you're sort of saying? Or it's probably yeah. It's probably something we do need to revisit. Yeah. Yes. Yep. Yeah. Well, maybe we've got a we might have to find a a burger. Mhmm. Yeah. Yeah. Well, if you can put it through the deep shoot us her details, and we'll get on tour. And and, yeah, I'll speak to Jade first for her decision as well. Okay. We'll go with that and have a look. Can't hear it. Yeah. Yeah. Yeah. Yeah. I want the joys of all this finance stuff. Yeah. That one. Mhmm. Yeah. Yep. Yeah. Yeah. Yeah. Yes. Yes. Yes. Yes. Yeah. Yeah. Yeah. Well, look, long term because I still look, I've only just turned 49. So I still got a still got a few years. And, yeah, I think you you can't be too risk averse, can you? If you risk averse, you you really don't move forward too quickly. If any of the what if if at all, really. So I think what you're saying makes more sense. Mhmm. Okay. Yeah. Yeah. Yeah. So it's still much like a long term. Yeah. Yeah. Yeah. Yeah. Yeah. Right. Okay. I can get you. Yes. Yeah. Yeah. I reckon we dump them. Yeah. Yeah. No. I'll look at it. It's really just using those investments that you're talking about and building up, like, a super. I think I've yeah. I just recently put in extra two and a half. Oops. Yeah. That's right. Thank you. So, yeah, just trying to build it up and get ready for a time because in reality, it's hopefully not that far away, like fifteen years. So they'll change it, and it'll be twenty years. But that that's the goal is to basically, you know, retire and not have to go too have too high tight a budget, really. Mhmm. I'm not really broken down. I had a look at it. We we have our I think it's we have our money in the in the account and pay off the mortgage and pay for food to to growing young boys or young men now. And they, you know, had a house and home. Yeah. Oh, yeah. So that's where we're at the moment. So as far as we do have savings on the side, but they're not like well, they're they're they we've got some more renovations that we're planning on doing, so we're gonna use it for that. So that's really where the spare cash is at the moment until we finish that project. And then after that, then we can put money aside for, well, more enjoyable things. Yes. Mhmm. Yes. Yes. Yes. Yep. Yes. Yeah. Yeah. I might I might keep it at that for the moment. And when and if I do come into some more more funds that I'm a bit more liquid with, well, then I'll I'll probably just put them in and use it that way. Yeah. Yeah. Yeah. I don't think you're leaving. That'd be silly till this time. Right? How old is she? Yes. Yeah. I know. It's all it's all part of the fun, though, but at least she knows what she wants. Yeah. Yeah. Yeah. Good. All good. No. No. Yeah. No. Not at the moment. And that's yeah. No one's dying. Then I don't think my mom's gonna live till she's 120, I think. So that's not happening in a hurry. Mhmm. Yeah. Well, if you if you give me a call when you've got that all sorted, and then I'll know more what's going on there because my time is, like, all over the place at the moment. So it can be flexible, and sometimes it can't be. So yeah. Yep. Okay. Yep. No. That sounds good. Yes. The AI isn't it? Yeah. I've actually got a got a I haven't assigned that to anybody, but I'm a bit lazy with the paperwork. So I have to do that. So, effectively, if I'm paying for insurance and there's not a sign to anyone, the government's probably gonna put their hand out and go, well, we'll have it. Thank you very much. Yeah. Okay. There you go. Yeah. Yeah. Yeah. Yeah. Mhmm. No. We actually spoke about that last month. We've actually got to a what? And other thing? Yeah. Yes. Yes. Yeah. Yeah. We're looking to Yeah. Yeah. Yeah. It's not bad. For sure. Probably not. So you can give it to me retrospective just to give me a try. Here you go. Yes. Yes. Mhmm. Yeah. So yeah. So you you think that's probably a bit too excessive? Yeah. Yeah. Yes. Yeah. Oh, well, it all comes down to how much it's costing as well. What's that costing? 4,300 and then what? Sorry? 11¢. Okay. So maybe we should reduce that. Mhmm. Yeah. Yeah. I look, I guess, at this point in time, one of our wages pays the mortgage. The other one pays for everything else. So you could say that mine pays mortgage or gave. They're about the same. So yeah. Yeah. Yeah. Mhmm. Yes. Yeah. I'd say it's a tough way to go because yeah. It is costing nearly $4.5. How much would it cost to to bring it down to a million dollars? 25. Mhmm. Yeah. Oh, yeah. Yeah. Yeah. Absolutely. Mhmm. No worries. And when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in. Sorry? No. Perfect. Sounds like plan. Mhmm. Yes. Yes. Perfect. Awesome. Alright. Well Okay. I'll I'll speak to you in, I guess, in a couple of weeks or two or three weeks. Awesome. Brilliant champion. Thanks. Bye bye. You too. Thanks so much. Good luck with the young one. Cheers. Speak soon. 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name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hello.\n\nRuss speaking. I'm well. How are you? Yeah. It's been a while.\n\nYou've been keeping well? Oh, mate. It's exciting as they get, I I guess. You know? You know?\n\nJust hey. You know, the tax man always wins. He's the real winner. Yeah. Yeah.\n\nCan we just scrub that? Okay. No. It's all part of the Yeah. It is it is what it is.\n\nYeah. Yeah. That's exactly right. Sorry. What have we got?\n\nMhmm. It's Rafael Morfe. Twenty eighth to the seventh nineteen seventy seven. It's 54 Kevin Avenue, Avalon Beach 2107. Yep.\n\nNo. No. I still haven't won the lottery. Yeah. Nothing else.\n\nI'm told. Yeah. Yeah. We need to start to be nice. Yeah.\n\nIt's like that. So, yeah, nothing's nothing's really changed. Okay. Okay. Yep.\n\nYep. Pretty sure that's still open. Yeah. Yeah. Well, house prices have dropped a little bit.\n\nNot sure how much it dropped by, but they'd say probably about $200, I reckon, around here. Yeah. Yes. Around 700, I think. Yeah.\n\nYeah. Actually, at the moment, that's that's stopped for some reason. So we've got a I've got my savings my other savings as an offset. And the other one was I've gotta go back to the bank and reset it because they took it off for what I'm not sure what happened there. But so I've gotta, yeah, go back and sort that out again.\n\nYeah. I I totally forgot about it till you just mentioned it. Yeah. Yeah. It shouldn't be that hard.\n\nYou wouldn't imagine. Yeah. That's true. Thanks for doing well. Oh, well, it's oh, Jesus.\n\nNo. That's under the company name. Yeah. Yeah. So all all the other assets are all underneath the company, under that umbrella.\n\nIn assets? Now I see well, I'm paying the car off. Does that does that count the whole amount or just what you pay off? Or Okay. So it'd be with the tools probably a 120,000, 130, something like that.\n\nProbably a little bit more, but that's that's probably being conservative. When you no. When you add it all up, then you you shake your head and wonder how you did that. Yeah. Yeah.\n\nI was a mechanic too, so I know how they go. Yeah. Yeah. That's what happens. Buddy snap on.\n\nJust me, really? It's not the live yeah. It really doesn't have too much in the way of liabilities. Well, no. I borrowed the money through my parents.\n\nSo I've been yeah. So it's just personal loan, no interest. So that worked out well. But, yeah, that's that's it. That's pretty much it.\n\nEverything else is is down outright. Between me and Jive. No. No. So what in the way of going to the bank and talking to them about interest and all that?\n\nIs that what you're sort of saying? Or it's probably yeah. It's probably something we do need to revisit. Yeah. Yes.\n\nYep. Yeah. Well, maybe we've got a we might have to find a a burger. Mhmm. Yeah.\n\nYeah. Well, if you can put it through the deep shoot us her details, and we'll get on tour. And and, yeah, I'll speak to Jade first for her decision as well. Okay. We'll go with that and have a look.\n\nCan't hear it. Yeah. Yeah. Yeah. Yeah.\n\nI want the joys of all this finance stuff. Yeah. That one. Mhmm. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yes.\n\nYes. Yes. Yes. Yeah. Yeah.\n\nYeah. Well, look, long term because I still look, I've only just turned 49. So I still got a still got a few years. And, yeah, I think you you can't be too risk averse, can you? If you risk averse, you you really don't move forward too quickly.\n\nIf any of the what if if at all, really. So I think what you're saying makes more sense. Mhmm. Okay. Yeah.\n\nYeah. Yeah. So it's still much like a long term. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Right. Okay.\n\nI can get you. Yes. Yeah. Yeah. I reckon we dump them.\n\nYeah. Yeah. No. I'll look at it. It's really just using those investments that you're talking about and building up, like, a super.\n\nI think I've yeah. I just recently put in extra two and a half. Oops. Yeah. That's right.\n\nThank you. So, yeah, just trying to build it up and get ready for a time because in reality, it's hopefully not that far away, like fifteen years. So they'll change it, and it'll be twenty years. But that that's the goal is to basically, you know, retire and not have to go too have too high tight a budget, really. Mhmm.\n\nI'm not really broken down. I had a look at it. We we have our I think it's we have our money in the in the account and pay off the mortgage and pay for food to to growing young boys or young men now. And they, you know, had a house and home. Yeah.\n\nOh, yeah. So that's where we're at the moment. So as far as we do have savings on the side, but they're not like well, they're they're they we've got some more renovations that we're planning on doing, so we're gonna use it for that. So that's really where the spare cash is at the moment until we finish that project. And then after that, then we can put money aside for, well, more enjoyable things.\n\nYes. Mhmm. Yes. Yes. Yes.\n\nYep. Yes. Yeah. Yeah. I might I might keep it at that for the moment.\n\nAnd when and if I do come into some more more funds that I'm a bit more liquid with, well, then I'll I'll probably just put them in and use it that way. Yeah. Yeah. Yeah. I don't think you're leaving.\n\nThat'd be silly till this time. Right? How old is she? Yes. Yeah.\n\nI know. It's all it's all part of the fun, though, but at least she knows what she wants. Yeah. Yeah. Yeah.\n\nGood. All good. No. No. Yeah.\n\nNo. Not at the moment. And that's yeah. No one's dying. Then I don't think my mom's gonna live till she's 120, I think.\n\nSo that's not happening in a hurry. Mhmm. Yeah. Well, if you if you give me a call when you've got that all sorted, and then I'll know more what's going on there because my time is, like, all over the place at the moment. So it can be flexible, and sometimes it can't be.\n\nSo yeah. Yep. Okay. Yep. No.\n\nThat sounds good. Yes. The AI isn't it? Yeah. I've actually got a got a I haven't assigned that to anybody, but I'm a bit lazy with the paperwork.\n\nSo I have to do that. So, effectively, if I'm paying for insurance and there's not a sign to anyone, the government's probably gonna put their hand out and go, well, we'll have it. Thank you very much. Yeah. Okay.\n\nThere you go. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. No. We actually spoke about that last month. We've actually got to a what? And other thing?\n\nYeah. Yes. Yes. Yeah. Yeah.\n\nWe're looking to Yeah. Yeah. Yeah. It's not bad. For sure.\n\nProbably not. So you can give it to me retrospective just to give me a try. Here you go. Yes. Yes.\n\nMhmm. Yeah. So yeah. So you you think that's probably a bit too excessive? Yeah.\n\nYeah. Yes. Yeah. Oh, well, it all comes down to how much it's costing as well. What's that costing?\n\n4,300 and then what? Sorry? 11¢. Okay. So maybe we should reduce that.\n\nMhmm. Yeah. Yeah. I look, I guess, at this point in time, one of our wages pays the mortgage. The other one pays for everything else.\n\nSo you could say that mine pays mortgage or gave. They're about the same. So yeah. Yeah. Yeah.\n\nMhmm. Yes. Yeah. I'd say it's a tough way to go because yeah. It is costing nearly $4.5.\n\nHow much would it cost to to bring it down to a million dollars? 25. Mhmm. Yeah. Oh, yeah.\n\nYeah. Yeah. Absolutely. Mhmm. No worries.\n\nAnd when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in. Sorry? No. Perfect. Sounds like plan.\n\nMhmm. Yes. Yes. Perfect. Awesome.\n\nAlright. Well Okay. I'll I'll speak to you in, I guess, in a couple of weeks or two or three weeks. Awesome. Brilliant champion.\n\nThanks. Bye bye. You too. Thanks so much. Good luck with the young one.\n\nCheers. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Your name and reason for calling.","start":0.32,"end":2.02,"sentiment":"neutral","sentiment_score":0.013150973245501518},{"text":"I'll see if this person is available.","start":2.1599998,"end":4.02,"sentiment":"neutral","sentiment_score":0.013283955465470041},{"text":"Thanks.","start":12.559999,"end":13.059999,"sentiment":"positive","sentiment_score":0.4829767346382141},{"text":"Please stay on the line.","start":13.474999,"end":14.934999,"sentiment":"neutral","sentiment_score":0.24777304232120514},{"text":"Hello.","start":20.115,"end":20.515,"sentiment":"neutral","sentiment_score":0.09985852241516112}],"sentiment":"neutral","sentiment_score":0.09967969981953502,"num_words":20,"start":0.32,"end":20.515},{"sentences":[{"text":"Russ speaking.","start":20.515,"end":21.335,"sentiment":"neutral","sentiment_score":0.09133317321538925},{"text":"I'm well.","start":25.474998,"end":26.035,"sentiment":"positive","sentiment_score":0.36407001316547394},{"text":"How are you?","start":26.035,"end":26.855,"sentiment":"neutral","sentiment_score":0.24666103720664978},{"text":"Yeah.","start":31.33,"end":31.65,"sentiment":"neutral","sentiment_score":0.022249050438404083},{"text":"It's been a while.","start":31.65,"end":32.87,"sentiment":"neutral","sentiment_score":0.010791805107146502}],"sentiment":"neutral","sentiment_score":0.14301714627072215,"num_words":12,"start":20.515,"end":32.87},{"sentences":[{"text":"You've been keeping well?","start":35.09,"end":36.31,"sentiment":"neutral","sentiment_score":0.13490386307239532},{"text":"Oh, mate.","start":40.45,"end":40.77,"sentiment":"neutral","sentiment_score":0.3113518953323364},{"text":"It's exciting as they get, I I guess.","start":40.77,"end":42.85,"sentiment":"positive","sentiment_score":0.4536067992448807},{"text":"You know?","start":42.85,"end":43.510002,"sentiment":"neutral","sentiment_score":0.14011557772755623},{"text":"You know?","start":45.195,"end":45.675,"sentiment":"neutral","sentiment_score":0.016087409108877182}],"sentiment":"neutral","sentiment_score":0.28353220058812034,"num_words":18,"start":35.09,"end":45.675},{"sentences":[{"text":"Just hey.","start":45.675,"end":46.955,"sentiment":"neutral","sentiment_score":0.313305601477623},{"text":"You know, the tax man always wins.","start":46.955,"end":49.275,"sentiment":"positive","sentiment_score":0.4803386756352016},{"text":"He's the real winner.","start":49.275,"end":50.415,"sentiment":"positive","sentiment_score":0.46647901833057404},{"text":"Yeah.","start":60.49,"end":60.81,"sentiment":"neutral","sentiment_score":-0.02829800546169281},{"text":"Yeah.","start":60.81,"end":61.13,"sentiment":"neutral","sentiment_score":-0.03477931395173073}],"sentiment":"positive","sentiment_score":0.38612137908736865,"num_words":15,"start":45.675,"end":61.13},{"sentences":[{"text":"Can we just scrub that?","start":61.13,"end":62.67,"sentiment":"neutral","sentiment_score":-0.05154273733496666},{"text":"Okay.","start":63.21,"end":63.71,"sentiment":"neutral","sentiment_score":-0.02247379720211029},{"text":"No.","start":63.85,"end":64.25,"sentiment":"neutral","sentiment_score":-0.09912131726741792},{"text":"It's all part of the Yeah.","start":64.25,"end":66.91,"sentiment":"neutral","sentiment_score":-0.08636645662287872},{"text":"It is it is what it is.","start":67.21,"end":68.83,"sentiment":"neutral","sentiment_score":0.10448045602866582}],"sentiment":"neutral","sentiment_score":-0.008307217434048653,"num_words":20,"start":61.13,"end":68.83},{"sentences":[{"text":"Yeah.","start":73.345,"end":73.825005,"sentiment":"neutral","sentiment_score":0.10604985058307648},{"text":"Yeah.","start":73.825005,"end":74.145004,"sentiment":"neutral","sentiment_score":0.13589997589588165},{"text":"That's exactly right.","start":74.145004,"end":75.44501,"sentiment":"neutral","sentiment_score":0.181925967335701},{"text":"Sorry.","start":76.145004,"end":76.645004,"sentiment":"neutral","sentiment_score":-0.07056805491447449},{"text":"What have we got?","start":76.705,"end":77.845,"sentiment":"neutral","sentiment_score":-0.058924056589603424}],"sentiment":"neutral","sentiment_score":0.04814634472131729,"num_words":10,"start":73.345,"end":77.845},{"sentences":[{"text":"Mhmm.","start":97.505,"end":98.005,"sentiment":"neutral","sentiment_score":-0.019711371511220932},{"text":"It's Rafael Morfe.","start":106.625,"end":108.005,"sentiment":"neutral","sentiment_score":0.030942559242248535},{"text":"Twenty eighth to the seventh nineteen seventy seven.","start":108.385,"end":110.785,"sentiment":"neutral","sentiment_score":0.02245987090282142},{"text":"It's 54 Kevin Avenue, Avalon Beach 2107.","start":110.785,"end":114.75,"sentiment":"neutral","sentiment_score":0.030327193971191133},{"text":"Yep.","start":140.32,"end":140.82,"sentiment":"neutral","sentiment_score":0.04867147654294968}],"sentiment":"neutral","sentiment_score":0.025687855388969182,"num_words":20,"start":97.505,"end":140.82},{"sentences":[{"text":"No.","start":154.035,"end":154.515,"sentiment":"neutral","sentiment_score":-0.315879762172699},{"text":"No.","start":154.515,"end":154.755,"sentiment":"negative","sentiment_score":-0.3562302589416504},{"text":"I still haven't won the lottery.","start":154.755,"end":156.295,"sentiment":"negative","sentiment_score":-0.42237693071365356},{"text":"Yeah.","start":158.435,"end":158.675,"sentiment":"neutral","sentiment_score":-0.1646573543548584},{"text":"Nothing else.","start":158.675,"end":159.575,"sentiment":"neutral","sentiment_score":-0.13510198518633842}],"sentiment":"neutral","sentiment_score":-0.33102117546580057,"num_words":11,"start":154.035,"end":159.575},{"sentences":[{"text":"I'm told.","start":159.875,"end":160.61499,"sentiment":"neutral","sentiment_score":-0.16428832709789276},{"text":"Yeah.","start":162.19499,"end":162.675,"sentiment":"neutral","sentiment_score":0.005996968597173691},{"text":"Yeah.","start":162.675,"end":163.175,"sentiment":"neutral","sentiment_score":0.06711488962173462},{"text":"We need to start to be nice.","start":164.755,"end":166.375,"sentiment":"positive","sentiment_score":0.3611560400043215},{"text":"Yeah.","start":171.84999,"end":172.09,"sentiment":"neutral","sentiment_score":-0.10807859897613524}],"sentiment":"neutral","sentiment_score":0.1803790737564365,"num_words":12,"start":159.875,"end":172.09},{"sentences":[{"text":"It's like that.","start":172.09,"end":173.06999,"sentiment":"neutral","sentiment_score":-0.13863169153531393},{"text":"So, yeah, nothing's nothing's really changed.","start":174.56999,"end":176.82999,"sentiment":"neutral","sentiment_score":-0.2243146374821663},{"text":"Okay.","start":180.32999,"end":180.82999,"sentiment":"neutral","sentiment_score":0.027687791734933853},{"text":"Okay.","start":181.635,"end":182.135,"sentiment":"neutral","sentiment_score":-0.008272884413599968},{"text":"Yep.","start":188.8275,"end":189.3275,"sentiment":"neutral","sentiment_score":0.072557732462883}],"sentiment":"neutral","sentiment_score":-0.1391508549762269,"num_words":12,"start":172.09,"end":189.3275},{"sentences":[{"text":"Yep.","start":201.86,"end":202.36,"sentiment":"neutral","sentiment_score":0.19437788426876068},{"text":"Pretty sure that's still open.","start":203.14,"end":204.76001,"sentiment":"neutral","sentiment_score":0.32213770151138305},{"text":"Yeah.","start":211.05501,"end":211.55501,"sentiment":"neutral","sentiment_score":0.1409745216369629},{"text":"Yeah.","start":227.75,"end":228.15001,"sentiment":"neutral","sentiment_score":0.002538789063692093},{"text":"Well, house prices have dropped a little bit.","start":228.15001,"end":230.49,"sentiment":"neutral","sentiment_score":-0.12027335353195667}],"sentiment":"neutral","sentiment_score":0.06164955464191735,"num_words":16,"start":201.86,"end":230.49},{"sentences":[{"text":"Not sure how much it dropped by, but they'd say probably about $200, I reckon, around here.","start":231.03,"end":236.01001,"sentiment":"neutral","sentiment_score":-0.058059832190766054},{"text":"Yeah.","start":242.69499,"end":243.19499,"sentiment":"neutral","sentiment_score":0.030723683536052704},{"text":"Yes.","start":248.935,"end":249.435,"sentiment":"neutral","sentiment_score":0.042372897267341614},{"text":"Around 700, I think.","start":249.495,"end":251.355,"sentiment":"neutral","sentiment_score":0.05692567862570286},{"text":"Yeah.","start":275.745,"end":276.245,"sentiment":"neutral","sentiment_score":0.10465998947620392}],"sentiment":"neutral","sentiment_score":-0.02423157760252555,"num_words":24,"start":231.03,"end":276.245},{"sentences":[{"text":"Yeah.","start":276.465,"end":276.965,"sentiment":"neutral","sentiment_score":0.07848110049962997},{"text":"Actually, at the moment, that's that's stopped for some reason.","start":292.47998,"end":295.785,"sentiment":"neutral","sentiment_score":-0.22057462856173515},{"text":"So we've got a I've got my savings my other savings as an offset.","start":295.785,"end":301.625,"sentiment":"neutral","sentiment_score":-0.10668515254344259},{"text":"And the other one was I've gotta go back to the bank and reset it because they took it off for what I'm not sure what happened there.","start":301.625,"end":306.985,"sentiment":"neutral","sentiment_score":-0.19358304169561183},{"text":"But so I've gotta, yeah, go back and sort that out again.","start":306.985,"end":312.81,"sentiment":"neutral","sentiment_score":-0.10243274706105392}],"sentiment":"neutral","sentiment_score":-0.1580057761990107,"num_words":65,"start":276.465,"end":312.81},{"sentences":[{"text":"Yeah.","start":317.43,"end":317.75,"sentiment":"neutral","sentiment_score":0.15589246153831482},{"text":"I I totally forgot about it till you just mentioned 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well.","start":338.24,"end":339.46,"sentiment":"neutral","sentiment_score":0.3227892145514488},{"text":"Oh, well, it's oh, Jesus.","start":348.585,"end":352.60498,"sentiment":"neutral","sentiment_score":0.002830280363559723}],"sentiment":"neutral","sentiment_score":0.10906480563183625,"num_words":15,"start":331.58502,"end":352.60498},{"sentences":[{"text":"No.","start":352.905,"end":353.22498,"sentiment":"neutral","sentiment_score":-0.036479633301496506},{"text":"That's under the company name.","start":353.22498,"end":354.76498,"sentiment":"neutral","sentiment_score":-0.012638575956225395},{"text":"Yeah.","start":358.425,"end":358.925,"sentiment":"neutral","sentiment_score":0.049978286027908325},{"text":"Yeah.","start":359.75,"end":359.99,"sentiment":"neutral","sentiment_score":0.039178263396024704},{"text":"So all all the other assets are all underneath the company, under that umbrella.","start":359.99,"end":364.25,"sentiment":"neutral","sentiment_score":0.044459539864744456}],"sentiment":"neutral","sentiment_score":0.027814436111260544,"num_words":22,"start":352.905,"end":364.25},{"sentences":[{"text":"In assets?","start":369.35,"end":370.09,"sentiment":"neutral","sentiment_score":-0.0014952728524804115},{"text":"Now I see well, I'm paying the car off.","start":375.60498,"end":378.10498,"sentiment":"neutral","sentiment_score":0.0018185653736711377},{"text":"Does that does that count the whole amount or just what you pay off?","start":378.245,"end":381.28497,"sentiment":"neutral","sentiment_score":-0.011297865371618952},{"text":"Or Okay.","start":381.28497,"end":386.94,"sentiment":"neutral","sentiment_score":-0.011009859386831522},{"text":"So it'd be with the tools probably a 120,000, 130, something like 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that.","start":403.125,"end":406.745,"sentiment":"neutral","sentiment_score":-0.08456579099098842},{"text":"Yeah.","start":417.97998,"end":418.47998,"sentiment":"neutral","sentiment_score":0.020242348313331604},{"text":"Yeah.","start":419.34,"end":419.41998,"sentiment":"neutral","sentiment_score":0.0144369350746274}],"sentiment":"neutral","sentiment_score":-0.05541445718400235,"num_words":34,"start":398.64502,"end":419.41998},{"sentences":[{"text":"I was a mechanic too, so I know how they go.","start":419.41998,"end":422.08,"sentiment":"neutral","sentiment_score":0.014184369282288984},{"text":"Yeah.","start":428.14502,"end":428.625,"sentiment":"neutral","sentiment_score":0.003836074844002724},{"text":"Yeah.","start":428.625,"end":428.86502,"sentiment":"neutral","sentiment_score":0.00026411842554807663},{"text":"That's what happens.","start":428.86502,"end":429.845,"sentiment":"neutral","sentiment_score":-0.00759491603821516},{"text":"Buddy snap 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you.","start":1329.2151,"end":1329.875,"sentiment":"positive","sentiment_score":0.5034404397010803},{"text":"So, yeah, just trying to build it up and get ready for a time because in reality, it's hopefully not that far away, like fifteen years.","start":1330.495,"end":1339.235,"sentiment":"neutral","sentiment_score":0.13708752250442138},{"text":"So they'll change it, and it'll be twenty years.","start":1339.63,"end":1341.89,"sentiment":"neutral","sentiment_score":-0.030592054025166564},{"text":"But that that's the goal is to basically, you know, retire and not have to go too have too high tight a budget, really.","start":1342.19,"end":1352.77,"sentiment":"neutral","sentiment_score":0.24664306516448656},{"text":"Mhmm.","start":1364.385,"end":1364.885,"sentiment":"neutral","sentiment_score":0.019365400075912476}],"sentiment":"neutral","sentiment_score":0.16507462810184206,"num_words":62,"start":1329.2151,"end":1364.885},{"sentences":[{"text":"I'm not really broken 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where we're at the moment.","start":1397.9099,"end":1399.83,"sentiment":"neutral","sentiment_score":0.0031310231196195154},{"text":"So as far as we do have savings on the side, but they're not like well, they're they're they we've got some more renovations that we're planning on doing, so we're gonna use it for that.","start":1399.83,"end":1415.1649,"sentiment":"neutral","sentiment_score":0.08322557548267974},{"text":"So that's really where the spare cash is at the moment until we finish that project.","start":1415.1649,"end":1420.445,"sentiment":"neutral","sentiment_score":0.28995700739324093},{"text":"And then after that, then we can put money aside for, well, more enjoyable 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good.","start":1703.9049,"end":1704.6449,"sentiment":"neutral","sentiment_score":0.29187185503542423},{"text":"No.","start":1717.995,"end":1718.495,"sentiment":"neutral","sentiment_score":-0.05738320946693421},{"text":"No.","start":1722.795,"end":1723.295,"sentiment":"negative","sentiment_score":-0.3357831835746765},{"text":"Yeah.","start":1725.835,"end":1726.235,"sentiment":"neutral","sentiment_score":-0.07341088354587555}],"sentiment":"neutral","sentiment_score":0.09951441548764706,"num_words":6,"start":1697.0249,"end":1726.235},{"sentences":[{"text":"No.","start":1726.235,"end":1726.475,"sentiment":"neutral","sentiment_score":-0.2761375904083252},{"text":"Not at the moment.","start":1726.475,"end":1727.535,"sentiment":"negative","sentiment_score":-0.37176407128572464},{"text":"And that's yeah.","start":1727.915,"end":1729.595,"sentiment":"neutral","sentiment_score":-0.2533067564169566},{"text":"No one's 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thing?","start":1979.475,"end":1980.4551,"sentiment":"neutral","sentiment_score":0.02370781886080901}],"sentiment":"neutral","sentiment_score":-0.04632604541257024,"num_words":18,"start":1970.3301,"end":1980.4551},{"sentences":[{"text":"Yeah.","start":1998.91,"end":1999.41,"sentiment":"neutral","sentiment_score":-0.04381871968507767},{"text":"Yes.","start":2009.615,"end":2010.115,"sentiment":"neutral","sentiment_score":0.03454894199967384},{"text":"Yes.","start":2026.44,"end":2026.94,"sentiment":"neutral","sentiment_score":0.11430801451206209},{"text":"Yeah.","start":2033.345,"end":2033.845,"sentiment":"neutral","sentiment_score":0.04733039066195488},{"text":"Yeah.","start":2044.78,"end":2045.02,"sentiment":"neutral","sentiment_score":-0.04786530882120133}],"sentiment":"neutral","sentiment_score":0.02090066373348236,"num_words":5,"start":1998.91,"end":2045.02},{"sentences":[{"text":"We're looking to Yeah.","start":2045.02,"end":2075.92,"sentiment":"neutral","sentiment_score":-0.0671285092830658},{"text":"Yeah.","start":2075.92,"end":2076.42,"sentiment":"neutral","sentiment_score":-0.04450558125972748},{"text":"Yeah.","start":2083.5999,"end":2084.0,"sentiment":"neutral","sentiment_score":-0.05958399921655655},{"text":"It's not bad.","start":2084.0,"end":2084.9,"sentiment":"neutral","sentiment_score":-0.13341894497474036},{"text":"For sure.","start":2085.605,"end":2088.785,"sentiment":"neutral","sentiment_score":-0.1919504478573799}],"sentiment":"neutral","sentiment_score":-0.10516012256795709,"num_words":11,"start":2045.02,"end":2088.785},{"sentences":[{"text":"Probably not.","start":2090.9648,"end":2091.785,"sentiment":"neutral","sentiment_score":-0.2747590094804764},{"text":"So you can give it to me retrospective just to give me a try.","start":2091.845,"end":2096.345,"sentiment":"neutral","sentiment_score":-0.02392499295196363},{"text":"Here you go.","start":2096.4849,"end":2097.385,"sentiment":"neutral","sentiment_score":0.04715815683205923},{"text":"Yes.","start":2117.175,"end":2117.675,"sentiment":"neutral","sentiment_score":0.11226562410593031},{"text":"Yes.","start":2136.87,"end":2137.37,"sentiment":"neutral","sentiment_score":0.2230239361524582}],"sentiment":"neutral","sentiment_score":-0.019414470930184637,"num_words":21,"start":2090.9648,"end":2137.37},{"sentences":[{"text":"Mhmm.","start":2139.27,"end":2139.77,"sentiment":"neutral","sentiment_score":0.12432507425546646},{"text":"Yeah.","start":2143.105,"end":2143.605,"sentiment":"neutral","sentiment_score":0.018336141481995583},{"text":"So yeah.","start":2147.265,"end":2153.605,"sentiment":"neutral","sentiment_score":-0.044636089354753494},{"text":"So you you think that's probably a bit too excessive?","start":2154.2002,"end":2156.4602,"sentiment":"neutral","sentiment_score":-0.3267435640096664},{"text":"Yeah.","start":2198.9749,"end":2199.4749,"sentiment":"neutral","sentiment_score":0.20011228322982788}],"sentiment":"neutral","sentiment_score":-0.20092895465592545,"num_words":15,"start":2139.27,"end":2199.4749},{"sentences":[{"text":"Yeah.","start":2206.255,"end":2206.755,"sentiment":"neutral","sentiment_score":0.01592523418366909},{"text":"Yes.","start":2207.9348,"end":2208.4348,"sentiment":"neutral","sentiment_score":-0.03216978907585144},{"text":"Yeah.","start":2215.83,"end":2216.33,"sentiment":"neutral","sentiment_score":-0.027513746172189713},{"text":"Oh, well, it all comes down to how much it's costing as well.","start":2218.55,"end":2221.53,"sentiment":"neutral","sentiment_score":-0.028138598857017662},{"text":"What's that costing?","start":2227.9849,"end":2229.045,"sentiment":"neutral","sentiment_score":-0.009795720068116983}],"sentiment":"neutral","sentiment_score":-0.023102486653155403,"num_words":19,"start":2206.255,"end":2229.045},{"sentences":[{"text":"4,300 and then what?","start":2237.59,"end":2239.59,"sentiment":"neutral","sentiment_score":-0.015542257111519575},{"text":"Sorry?","start":2239.59,"end":2240.09,"sentiment":"neutral","sentiment_score":-0.024044547230005264},{"text":"11¢.","start":2245.99,"end":2246.97},{"text":"Okay.","start":2248.55,"end":2249.05,"sentiment":"neutral","sentiment_score":-0.0877980962395668},{"text":"So maybe we should reduce that.","start":2250.07,"end":2252.01,"sentiment":"neutral","sentiment_score":-0.22731355329354605}],"sentiment":"neutral","sentiment_score":-0.12815774930641055,"num_words":13,"start":2237.59,"end":2252.01},{"sentences":[{"text":"Mhmm.","start":2252.445,"end":2252.945,"sentiment":"neutral","sentiment_score":-0.04527778550982475},{"text":"Yeah.","start":2258.7676,"end":2259.2676,"sentiment":"neutral","sentiment_score":-0.025701038539409637},{"text":"Yeah.","start":2279.625,"end":2280.0251,"sentiment":"neutral","sentiment_score":0.025747571140527725},{"text":"I look, I guess, at this point in time, one of our wages pays the mortgage.","start":2280.0251,"end":2283.705,"sentiment":"neutral","sentiment_score":0.014049226534552872},{"text":"The other one pays for everything else.","start":2283.705,"end":2286.2852,"sentiment":"neutral","sentiment_score":-0.023334877831595286}],"sentiment":"neutral","sentiment_score":0.0006235471854989345,"num_words":26,"start":2252.445,"end":2286.2852},{"sentences":[{"text":"So you could say that mine pays mortgage or gave.","start":2287.5452,"end":2290.47,"sentiment":"neutral","sentiment_score":0.042631056532263754},{"text":"They're about the same.","start":2290.55,"end":2291.69,"sentiment":"neutral","sentiment_score":0.06096283998340368},{"text":"So yeah.","start":2292.71,"end":2297.6199,"sentiment":"neutral","sentiment_score":0.0916506964713335},{"text":"Yeah.","start":2317.515,"end":2318.015,"sentiment":"neutral","sentiment_score":-0.02092884480953217},{"text":"Yeah.","start":2330.22,"end":2330.72,"sentiment":"neutral","sentiment_score":0.05638720840215683}],"sentiment":"neutral","sentiment_score":0.049384537877307996,"num_words":18,"start":2287.5452,"end":2330.72},{"sentences":[{"text":"Mhmm.","start":2331.02,"end":2331.52,"sentiment":"neutral","sentiment_score":0.04628010839223862},{"text":"Yes.","start":2341.295,"end":2341.795,"sentiment":"neutral","sentiment_score":0.1151190549135208},{"text":"Yeah.","start":2347.41,"end":2347.91,"sentiment":"neutral","sentiment_score":-0.09520546346902849},{"text":"I'd say it's a tough way to go because yeah.","start":2348.13,"end":2352.15,"sentiment":"neutral","sentiment_score":-0.29926165342330935},{"text":"It is costing nearly $4.5.","start":2352.53,"end":2355.91,"sentiment":"neutral","sentiment_score":-0.18287144899368285}],"sentiment":"neutral","sentiment_score":-0.21337667107582092,"num_words":18,"start":2331.02,"end":2355.91},{"sentences":[{"text":"How much would it cost to to bring it down to a million dollars?","start":2357.885,"end":2361.105,"sentiment":"neutral","sentiment_score":-0.05544128189129489},{"text":"25.","start":2363.2349,"end":2363.9849,"sentiment":"neutral","sentiment_score":0.11766456812620164},{"text":"Mhmm.","start":2366.605,"end":2367.105,"sentiment":"neutral","sentiment_score":0.0761885941028595},{"text":"Yeah.","start":2374.99,"end":2375.49,"sentiment":"neutral","sentiment_score":0.005102410446852446},{"text":"Oh, yeah.","start":2411.725,"end":2412.365,"sentiment":"neutral","sentiment_score":0.032630668953061104}],"sentiment":"neutral","sentiment_score":-0.02694531767874172,"num_words":19,"start":2357.885,"end":2412.365},{"sentences":[{"text":"Yeah.","start":2412.365,"end":2412.865,"sentiment":"neutral","sentiment_score":0.05926019325852394},{"text":"Yeah.","start":2413.325,"end":2413.565,"sentiment":"neutral","sentiment_score":0.12997102737426758},{"text":"Absolutely.","start":2413.565,"end":2414.065,"sentiment":"neutral","sentiment_score":0.3123331069946289},{"text":"Mhmm.","start":2416.845,"end":2417.345,"sentiment":"neutral","sentiment_score":0.1069517731666565},{"text":"No worries.","start":2419.325,"end":2419.885,"sentiment":"neutral","sentiment_score":0.12413448840379715}],"sentiment":"neutral","sentiment_score":0.14279751293361187,"num_words":6,"start":2412.365,"end":2419.885},{"sentences":[{"text":"And when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in.","start":2419.885,"end":2425.905,"sentiment":"neutral","sentiment_score":0.1465163227915764},{"text":"Sorry?","start":2434.38,"end":2434.88,"sentiment":"neutral","sentiment_score":0.016032101586461067},{"text":"No.","start":2444.795,"end":2445.295,"sentiment":"neutral","sentiment_score":-0.07846546173095703},{"text":"Perfect.","start":2467.685,"end":2468.0051,"sentiment":"positive","sentiment_score":0.5589180588722229},{"text":"Sounds like plan.","start":2468.0051,"end":2469.065,"sentiment":"positive","sentiment_score":0.479124516248703}],"sentiment":"neutral","sentiment_score":0.18054084894397565,"num_words":31,"start":2419.885,"end":2469.065},{"sentences":[{"text":"Mhmm.","start":2473.205,"end":2473.705,"sentiment":"neutral","sentiment_score":0.11803355067968369},{"text":"Yes.","start":2480.89,"end":2481.39,"sentiment":"neutral","sentiment_score":0.07339045405387878},{"text":"Yes.","start":2492.89,"end":2493.39,"sentiment":"neutral","sentiment_score":0.06849972903728485},{"text":"Perfect.","start":2519.23,"end":2519.73,"sentiment":"positive","sentiment_score":0.6715969443321228},{"text":"Awesome.","start":2520.03,"end":2520.53,"sentiment":"positive","sentiment_score":0.7527732849121094}],"sentiment":"positive","sentiment_score":0.3368587926030159,"num_words":5,"start":2473.205,"end":2520.53},{"sentences":[{"text":"Alright.","start":2523.9949,"end":2524.4749,"sentiment":"positive","sentiment_score":0.5230517387390137},{"text":"Well Okay.","start":2524.4749,"end":2525.375,"sentiment":"neutral","sentiment_score":0.1662139818072319},{"text":"I'll I'll speak to you in, I guess, in a couple of weeks or two or three weeks.","start":2526.7148,"end":2530.7349,"sentiment":"neutral","sentiment_score":0.07539760569731395},{"text":"Awesome.","start":2553.1648,"end":2553.6648,"sentiment":"positive","sentiment_score":0.7796430587768555},{"text":"Brilliant champion.","start":2554.285,"end":2555.265,"sentiment":"positive","sentiment_score":0.8253410458564758}],"sentiment":"neutral","sentiment_score":0.1934567398081223,"num_words":24,"start":2523.9949,"end":2555.265},{"sentences":[{"text":"Thanks.","start":2556.045,"end":2556.4448,"sentiment":"positive","sentiment_score":0.8007240295410156},{"text":"Bye bye.","start":2556.4448,"end":2557.1848,"sentiment":"positive","sentiment_score":0.5117918848991394},{"text":"You too.","start":2561.005,"end":2561.4849,"sentiment":"positive","sentiment_score":0.5649128258228302},{"text":"Thanks so much.","start":2561.4849,"end":2562.2048,"sentiment":"positive","sentiment_score":0.8339157104492188},{"text":"Good luck with the young one.","start":2562.2048,"end":2563.585,"sentiment":"positive","sentiment_score":0.7700903415679932}],"sentiment":"positive","sentiment_score":0.719744473695755,"num_words":14,"start":2556.045,"end":2563.585},{"sentences":[{"text":"Cheers.","start":2567.583,"end":2568.083,"sentiment":"positive","sentiment_score":0.5713934898376465},{"text":"Speak soon.","start":2568.703,"end":2569.4429,"sentiment":"neutral","sentiment_score":0.31489139795303345},{"text":"Bye.","start":2571.583,"end":2572.083,"sentiment":"neutral","sentiment_score":-0.06652511656284332}],"sentiment":"neutral","sentiment_score":0.2836627922952175,"num_words":4,"start":2567.583,"end":2572.083}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Larissa, Earthview Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello. Russ speaking.\n\nChannel 0: Hi. Rafael Lovitza from HP Financial. How are you going?\n\nChannel 1: I'm well. How are you?\n\nChannel 0: Yeah. Good. Good. Long time no speak. You\n\nChannel 1: Yeah.\n\nChannel 0: know,\n\nChannel 1: It's been\n\nChannel 0: few\n\nChannel 1: a while.\n\nChannel 0: weeks.\n\nChannel 1: You've been keeping well?\n\nChannel 0: Yeah. Not too bad. How was your end of financial year?\n\nChannel 1: Oh, mate. It's exciting as they get, I I guess. You know?\n\nChannel 0: Right? It never\n\nChannel 1: You know?\n\nChannel 0: get better.\n\nChannel 1: Just hey. You know, the tax man always wins. He's the real winner.\n\nChannel 0: Oh, I know. I I my accountant literally sat down with me, and we went through everything. And then I sat there and went, are you sure you sure we have to do this?\n\nChannel 1: Yeah. Yeah. Can we just scrub that?\n\nChannel 0: Yeah.\n\nChannel 1: Okay. No. It's all part\n\nChannel 0: Forget\n\nChannel 1: of the\n\nChannel 0: about it.\n\nChannel 1: Yeah. It is it is what it is.\n\nChannel 0: That's right. Always the way. The track may make his dollar.\n\nChannel 1: Yeah. Yeah. That's exactly right. Sorry. What have we got?\n\nChannel 0: Well, the reasons well, I mean, you spoke to Sandy this morning or earlier today. And, ultimately, the reason for, I guess, the call is to go through and review everything and have a chat, see if there's any changes that we may need to make, and, ultimately, update my files as well and kinda go from there. Before I do jump\n\nChannel 1: Mhmm.\n\nChannel 0: into it too far, I do need to let you know that our calls are recorded and if I could get you confirmed security for me. So it's just full name, date of birth, address.\n\nChannel 1: It's Rafael Morfe. Twenty eighth to the seventh nineteen seventy seven. It's 54 Kevin Avenue, Avalon Beach 2107.\n\nChannel 0: Perfect. Okay. So there's a couple of things that I generally go through. First and foremost, it's always good for me to update my files because that obviously kind of rings whether there's any major issues or or major changes in your life that I'm not aware of or things that I need to know about\n\nChannel 1: Yep.\n\nChannel 0: that might have changed for your your position overall. So I'll go through all of that, but I guess is there anything that you can think of off the top of your head that I might need to done?\n\nChannel 1: No. No. I still haven't won the lottery. Yeah. Nothing else.\n\nI'm told.\n\nChannel 0: Everything else is just plopping along.\n\nChannel 1: Yeah. Yeah. We need\n\nChannel 0: Perfect.\n\nChannel 1: to start to be nice.\n\nChannel 0: Oh, wouldn't it? I'm still waiting for mine too, unfortunately.\n\nChannel 1: Yeah. It's like that.\n\nChannel 0: No.\n\nChannel 1: So,\n\nChannel 0: That's\n\nChannel 1: yeah, nothing's nothing's really changed.\n\nChannel 0: alright. Well, I will quick split through everything, and\n\nChannel 1: Okay.\n\nChannel 0: you can kind of hit the nail on\n\nChannel 1: Okay.\n\nChannel 0: the head a bit if anything. So I've got you de facto, and I've got Jade\n\nChannel 1: Yep.\n\nChannel 0: as your, like, Mexican. In terms of income, I've got about 130,000 a year income wise.\n\nChannel 1: Yep. Pretty sure that's\n\nChannel 0: Perfect.\n\nChannel 1: still open.\n\nChannel 0: Still that. Saving. And we expect to get that for this financial year as well?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. And then asset wise, I've got our PPR or our our home. That 2.6 value, about 760 owing.\n\nChannel 1: Yeah. Well, house prices have dropped a little bit. Not sure how much it dropped by, but they'd say probably about $200, I reckon, around here.\n\nChannel 0: Yep. Okay. So still around that milli, 2.5 millish area?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. And do you know the rough value of the loan?\n\nChannel 1: Yes. Around 700, I think.\n\nChannel 0: Cool. Alright. Perfect. And then I have a boat, a motorbike, 20,000 for the boat, roughly 10 for the motorbike in value. No debts on either of those, and we've got an offset account previously $5.\n\nObviously, that fluctuates. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: do you use your offset regularly? Like, do you utilize your offset as basically the account that holds all of your money and then you live out of your offset, or how do you actually structure it?\n\nChannel 1: Actually, at the moment, that's that's stopped for some reason. So we've got a I've got my savings my other savings as an offset. And the other one was I've gotta go back to the bank and reset it because they took it off for what I'm not sure what happened there. But\n\nChannel 0: Oh, okay.\n\nChannel 1: so I've gotta, yeah, go back and sort that out again.\n\nChannel 0: Okay. Well, pretty good push to go and do it then.\n\nChannel 1: Yeah. I I totally forgot about it till you just mentioned it.\n\nChannel 0: That's okay. Alright. It might just be a phone call that you could just make as well.\n\nChannel 1: Yeah. Yeah. It shouldn't be that hard. You wouldn't imagine.\n\nChannel 0: No. I mean, they're banks, so sometimes.\n\nChannel 1: Yeah. That's true. Thanks for\n\nChannel 0: Now\n\nChannel 1: doing\n\nChannel 0: are\n\nChannel 1: well.\n\nChannel 0: there are there any other assets that you have at all? Like, I'm missing a car if we have one.\n\nChannel 1: Oh, well, it's oh, Jesus. No. That's under the company name.\n\nChannel 0: Yep. Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Nothing like that. Okay.\n\nChannel 1: Yeah. So all all the other assets are all underneath the company, under that umbrella.\n\nChannel 0: Yeah. Do you know how much the the company has?\n\nChannel 1: In assets?\n\nChannel 0: Yeah. In asset. Like, in intangible assets.\n\nChannel 1: Now I see well, I'm paying the car off. Does that does that count the whole amount or just what you pay off? Or\n\nChannel 0: No. Count it, and then we'll you can let know what the liabilities are.\n\nChannel 1: Okay. So it'd be with the tools probably a 120,000,\n\nChannel 0: Yeah.\n\nChannel 1: 130, something like that. Probably a little bit more, but that's that's probably being conservative. When you no. When you add it all up, then you you shake your head and wonder how you did that.\n\nChannel 0: Yeah. Oh, no. Don't don't don't you worry. I'm mechanic's daughter, so I see how expensive those things get pretty quick.\n\nChannel 1: Yeah. Yeah. I was a mechanic too, so I know how they go.\n\nChannel 0: Yep. Snap on comes for a trip and oh, I might have three of those, but I'll get another one.\n\nChannel 1: Yeah. Yeah. That's what happens. Buddy snap on.\n\nChannel 0: I know. Oh, you're right. And what liability since it does a business card that it currently has?\n\nChannel 1: Just me, really? It's\n\nChannel 0: Biggest\n\nChannel 1: not the\n\nChannel 0: small.\n\nChannel 1: live yeah. It really doesn't have too much in the way of liabilities.\n\nChannel 0: The car's on finance.\n\nChannel 1: Well, no. I borrowed the money through my parents. So\n\nChannel 0: Okay. So it's definitely\n\nChannel 1: I've been yeah.\n\nChannel 0: Oh,\n\nChannel 1: So it's just personal\n\nChannel 0: family.\n\nChannel 1: loan, no interest. So that worked\n\nChannel 0: Yep.\n\nChannel 1: out well. But, yeah, that's that's it. That's pretty much it. Everything else is is down outright.\n\nChannel 0: That's perfect. Amazing. And just, curiously, with the house, is that house purely in your name, or is that between you and your partner?\n\nChannel 1: Between me and Jive.\n\nChannel 0: Yep. Cool. Perfect. And amazing. Alright.\n\nCool. Alright. And do you know when the last time you had a look at the mortgage on the property was? Was it I I believe I know I know that you sorta had a look at it sometime early twenty twenty four. Have you had a look at it since then?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No. So what in the way of going to the bank and talking to them about interest and all that? Is that what you're sort of\n\nChannel 0: Yeah.\n\nChannel 1: saying? Or\n\nChannel 0: Yeah. Seeing whether whether your bank is still providing you the best, like,\n\nChannel 1: it's probably\n\nChannel 0: interest rate.\n\nChannel 1: yeah. It's probably something we do need to revisit.\n\nChannel 0: Yeah. Trust me. I know it's an absolute pain, but I personally don't have a look at my loan every it's more like eighteen months, not twelve months, but I just\n\nChannel 1: Yeah.\n\nChannel 0: talk to my broker and go through the absolute painful paperwork.\n\nChannel 1: Yes.\n\nChannel 0: And sometimes it's a, yep. Nope. The one you're with is still good. And other times, it's nope. Let's flip the loan and go somewhere else because I can save a few points on the interest rate or pay less\n\nChannel 1: Yep.\n\nChannel 0: monthly fees, whatever the case may be. It ends up way better than a lot of them.\n\nChannel 1: Yeah. Well, maybe we've got a we might have to find a\n\nChannel 0: Broker?\n\nChannel 1: a\n\nChannel 0: Yeah. If you like, I can connect you with, like, our broker. Like, I'm obviously\n\nChannel 1: burger.\n\nChannel 0: not a broker,\n\nChannel 1: Mhmm.\n\nChannel 0: but I can definitely connect you with our broker, Brooke. She's fantastic. I send my clients through her. We get no kickbacks or anything like that. The only reason I use her is because she's been able to do great work with me, the staff I have, and, obviously, clients as well.\n\nChannel 1: Yeah. Yeah. Well, if you can put it through the deep shoot us her details, and we'll get on tour. And and, yeah, I'll speak to Jade first for her decision as well.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Okay. We'll go with that and have a look. Can't hear it.\n\nChannel 0: The the worst happen the worst the worst thing that happens is she turns around and says the provider you currently have is doing the best job.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Like, peace of mind and go from there. But sometimes it's just a matter of, you know, a reminder of the, you know, offset accounts or a little bit of a restructure, changing how you're running things, and she absolutely loves giving those kinda ad hoc tidbits to help out as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: I want the joys of all this finance stuff.\n\nChannel 0: I know. The things they don't teach.\n\nChannel 1: Yeah. That\n\nChannel 0: Oh, absolutely. Absolutely. Now with where\n\nChannel 1: one.\n\nChannel 0: you're at, I know that, like, previously, you've always been\n\nChannel 1: Mhmm.\n\nChannel 0: not a really aggressive investor. You've been kind of up there on a scale. You know, it was sort of a scale of one to five.\n\nChannel 1: Yeah.\n\nChannel 0: You're sitting at kind of a four, three and a half full. When it comes to risk with any form of investing, there's there's different ways to look at it. Now there is how much of your money is actually invested in one individual, like, realm. So with your superannuation, that's obviously an investment vehicle, but then you've also got your personal self as well.\n\nChannel 1: Yep.\n\nChannel 0: And you can segment the two, but, ultimately, you need to look at overarchingly. Now, personally, based on the assets you have, obviously, you have a lot of brick orientated assets. Obviously, you you still have liquid money that obviously goes through the bank and that pays the bills and it does everything you need to do.\n\nChannel 1: Yeah.\n\nChannel 0: But, really, your biggest asset is sitting in your in your in your home.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Aside from that, we obviously have your superannuation fund, and how that's invested as an individual asset does kind of does kind of, I guess, decide or dictate the future. Now percentage wise, how it's invested is important because you wanna know like, we need to sort of, I guess, make sure that we're having a balancing act between assets invested in the market, but also making sure that we're not taking on too much risk with those assets on the market. We wanna have that here. Let me backtrack. So investor risk profiles basically dictate what percentage of your funds are on the market and what percentage of funds are held defensively.\n\nNow defensive assets are still generally on market because you've got cash, you've got fixed interest, you've got bonds. Fixed interest and bond assets are still technically market valued assets, but there's less risk associated with them.\n\nChannel 1: Yes.\n\nChannel 0: Now when you when or if you look at underlying assets, what we always wanna do is we wanna look at how those assets are gonna track against the market, what actual underlying risk they have. Just\n\nChannel 1: Yes.\n\nChannel 0: because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them. We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart. Now the assets that you have currently are doing that, but I can also see that we could make some tweaks and changes because the market changes and the economic environment changes. And crazy enough, the political environment very aggressively changes currently.\n\nChannel 1: Yes.\n\nChannel 0: And that has an effect on some of the assets that we hold. Now with superannuation funds, Hub twenty four gives us a much greater investment manager than what others do.\n\nChannel 1: Yes.\n\nChannel 0: And, ultimately speaking, majority of your funds are doing really well. So if, like, if you if you can log on or if you ever do log on, you'd see that you have quite a number of, like, Australian listed securities that are performing really well. You do have one of your managed funds, which is a an Australian equity fund. And the equities fund, while it has previously performed extremely well, like, gangbustersly well,\n\nChannel 1: Yeah.\n\nChannel 0: it took a bit of a dive. And while we did originally have some pretty decent belief in the fact that that that asset could turn around, it hasn't we've met with Benelon was the investment manager. We've met with Benelon. They're refusing to change their stance on how they invest within the fund. They are what's called a high conviction fund.\n\nSo, basically, they stand behind their assets, and the assets just aren't pulling up their socks, to put it frank.\n\nChannel 1: Yeah.\n\nChannel 0: So, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you. Because all of your assets cost money, they they have do have investment fees associated with them. But it does come down to what style of investor you are. So while there's the risk profile that I kinda went through, which is how much money is on the versus defensively, there's also two styles of investors. So you can be someone who is happy to have a cheaper asset to track and slightly outperform the market, or we can look at having slightly more expensive assets, which is called active management, to outperform the market more aggressively.\n\nChannel 1: Yeah.\n\nChannel 0: What, I guess, is your overall stance when it does come to investing in that realm?\n\nChannel 1: Well, look, long term because I still look, I've only just turned 49.\n\nChannel 0: Still\n\nChannel 1: So\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: plenty\n\nChannel 1: still\n\nChannel 0: of\n\nChannel 1: got\n\nChannel 0: time.\n\nChannel 1: a still got a few years. And, yeah, I think you you can't be too risk averse, can you? If you risk averse, you you really don't move forward too quickly. If any of the what if if at all, really. So I think\n\nChannel 0: Yeah.\n\nChannel 1: what you're saying makes more sense.\n\nChannel 0: Cool. So what what I what I can do and what I wanna do is there's one fund I definitely definitely wanna move out of, and that's the been a long fund.\n\nChannel 1: Mhmm.\n\nChannel 0: The other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing. So it's called a bank hybrid. The the government are are literally fit phasing them out by\n\nChannel 1: Okay.\n\nChannel 0: 2032, if memory serves, to be completely frank.\n\nChannel 1: Yeah.\n\nChannel 0: I think it's 2032, 2029, somewhere around there. It's a few years off anyway. They're all gonna be phased out, which means that that asset's not gonna exist anymore. So it makes no sense to continue holding. Sorry?\n\nSo I no. That's okay. So a banking hybrid is basically where you have bank asset held trying to explain it in yeah. Sorry. So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them.\n\nChannel 1: Yeah. Yeah. So it's still much like a long term.\n\nChannel 0: Like a term deposit, basically.\n\nChannel 1: Yeah.\n\nChannel 0: Not quite. Like, that's really simplifying it, but, essentially, very similar to how a term deposit kinda works.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: It's it's almost like a fixed interest term deposit, shares, equity, all wrapped up into one.\n\nChannel 1: Yeah. Right. Okay. I can get you.\n\nChannel 0: Yeah. But the government's phasing out banking hybrids because legislation changes have kind of happened, and and it's APRA, which is the, like, Australian financial regulator or one of, have have determined that those funds need to be reallocated. So, basically, within the next I believe I right. I'm pretty sure it is 2032. Is it within the next sort of, you know, whatever that is, five or six years, it's something like $30,000,000,000 that sits under banking hybrids will need to move out of banking hybrids and be reallocated.\n\nChannel 1: Yes.\n\nChannel 0: So, realistically, because over the next five years, they're going to have to be pushed out because it's being phased out, if we don't make a move now, but if we just allow it to be phased out organically, there's every chance that the asset price actually starts taking a dive within the next few years because they are phased out products, and everyone's gonna start selling out of them. So while the price is high, we'd rather take that do that sell now rather than\n\nChannel 1: Yeah.\n\nChannel 0: waiting a few years and just letting it ride organically. Because if we if we do a letter ride organically, what's gonna happen is anyone who holds that asset will automatically be transferred over to another asset and or depending on the platform that you hold your money with, it'll just liquidate down to cash and you'll hold cash only. Not something we really wanna do in that phase. Specifically, we wanna stay invested on the market.\n\nChannel 1: Yeah.\n\nChannel 0: So make a move now.\n\nChannel 1: I reckon we dump them. Yeah.\n\nChannel 0: I agree. So so what I wanna do from what I wanna do from your superannuation side is now I guess that I have those little bit of tidbit informational parts, is I can go and redo your portfolio. But I do need to know what it is that you're wanting to get out of the investments, where your goals align to, and what you're ultimately hoping to achieve moving forward that's going to enable me to make sure that any investment recommendations I make, whether they're super aggressive or not, align to those goals and that we're able to achieve what you're wanting to achieve. I know that you wanna pay down the mortgage personally. I know that, you know, you did previously look at wanting to maybe move into investment properties in the past, whether that's still a goal that you're wanting to move towards.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: No.\n\nChannel 0: what else is there, if anything?\n\nChannel 1: I'll look at it. It's really just using those investments that you're talking about and building\n\nChannel 0: Mhmm.\n\nChannel 1: up, like, a super. I think I've yeah. I just recently put in extra\n\nChannel 0: Yep. You did.\n\nChannel 1: two\n\nChannel 0: I\n\nChannel 1: and\n\nChannel 0: helped\n\nChannel 1: a half.\n\nChannel 0: you.\n\nChannel 1: Oops.\n\nChannel 0: I\n\nChannel 1: Yeah. That's\n\nChannel 0: I sent\n\nChannel 1: right.\n\nChannel 0: you the yep. Details, and I sent you the receipt, and I\n\nChannel 1: Thank you. So,\n\nChannel 0: that's\n\nChannel 1: yeah,\n\nChannel 0: okay.\n\nChannel 1: just trying to build it up and get ready for a time because in reality, it's hopefully not that far away, like fifteen years. So\n\nChannel 0: Yeah.\n\nChannel 1: they'll change it, and it'll be twenty years. But\n\nChannel 0: Yeah.\n\nChannel 1: that that's the goal is to basically, you know, retire and not have to go too have too high tight a budget, really.\n\nChannel 0: Perfect. Nope. That's okay. So let's talk about that. Let's talk about budget.\n\nLet's talk about where that fits. So currently, you earn a 130 a year.\n\nChannel 1: Mhmm.\n\nChannel 0: What do you actually live on?\n\nChannel 1: I'm not really broken down. I had a look at it. We we\n\nChannel 0: It's\n\nChannel 1: have\n\nChannel 0: always\n\nChannel 1: our\n\nChannel 0: a question\n\nChannel 1: I think\n\nChannel 0: that stumps people.\n\nChannel 1: it's we have our money in the in the account and pay off the mortgage and pay for food to to growing young boys or young men now.\n\nChannel 0: Yep.\n\nChannel 1: And they, you know, had a house and home.\n\nChannel 0: Oh, don't they ever? I've\n\nChannel 1: Yeah.\n\nChannel 0: got teenagers myself, and does the grocery bill hurt?\n\nChannel 1: Oh, yeah. So that's where we're at the moment. So as far as we do have savings on the side, but they're not like well, they're\n\nChannel 0: Huge.\n\nChannel 1: they're they we've got some more renovations that we're planning on doing, so we're gonna use it\n\nChannel 0: Yep.\n\nChannel 1: for that. So that's really where the spare cash is at the moment until we finish that project. And then after that, then we can put money aside for, well, more enjoyable things.\n\nChannel 0: Yeah. Well, may I ask? So with your superannuation fund, do you wanna look at because, like, I I know you put we we, you know, we've made that large deposit in in the in the June, but, you know, couple grand. Do\n\nChannel 1: Yes.\n\nChannel 0: you wanna look at doing something like that more regularly rather than just doing a quick, I guess, cash dump before end of financial year? We can sort of increase the contributions you make throughout the year to assist with yeah. Because what happens is dollar cost averaging, if the more regular you put money in because you're buying different segments of the market, it enables you to buy let me use my favorite analogy. It's building a house. So when you buy bricks, you might go to one brick retailer and the bricks are $3.\n\nAnd then you go to another brick retailer and the bricks are $2.50. Then you go to another brick retailer, and the bricks are, you know, $2. And all of those little bricks that you buy at different segments from all the different retailers\n\nChannel 1: Mhmm.\n\nChannel 0: all make up your home as a whole. Now the longer you hold those bricks, the brick value goes up and down depending on how the market's moving.\n\nChannel 1: Yes.\n\nChannel 0: And when you're selling, we obviously wanna sell from the from the bottom up. So instead of demolishing the house from the top down, you actually take from the bottom of the slab, and you sell those assets off because you've held them the longest. And they're the ones that, you know, capital gains is not gonna affect. And you wanna try and sell in a way that if you bought a brick for $2, you're selling it for $4. You're not gonna sell the brick that you bought for $5 for $4, if that makes\n\nChannel 1: Yes.\n\nChannel 0: sense.\n\nChannel 1: Yes.\n\nChannel 0: And the only way that that can happen is if we put money in more regularly. Now I know that you do put money in in regularly. You know, you your your contributions come in quarterly, and and and that'll that'll land fine. But\n\nChannel 1: Yep.\n\nChannel 0: what we can do is we can increase those contributions on the quarterly or depending on how much you like your accountant and will wanna do it. You could even start making those contributions monthly or more regularly. Payday super came in while you run your own business, so you're a little bit more withdrawn from that legislation because, you know, it's just yourself that you're kind of affecting.\n\nChannel 1: Yes.\n\nChannel 0: You know, the more frequently you pay your super, the the better it is on that front just from a dollar cost averaging perspective.\n\nChannel 1: Yeah.\n\nChannel 0: But I could make some recommendations around tax saving and what it would do for you and how much you could salary sacrifice regularly to help. But for me to be able to do that, I do need to know how much you're willing to forego from your weekly pay, which I know becomes hard because of how your business structures. Again, there's nothing wrong with doing what you did, where in the June, you give me a call and say, hey. I have this much money. What's that gonna do?\n\nCan I pop it in? Or give me an email and say, hey. I popped it in. Can you do the thing you need to do? Either\n\nChannel 1: Yeah.\n\nChannel 0: right\n\nChannel 1: I might I might keep it at that for the moment.\n\nChannel 0: away. Yeah.\n\nChannel 1: And when and if I do come into some more more funds that I'm a bit more liquid with, well, then I'll I'll probably just put them in and use it that way.\n\nChannel 0: Yeah. I mean, currently, if, you know, if majority of savings are heading towards the renovations costs,\n\nChannel 1: Yeah.\n\nChannel 0: once they're done, you may you know, things will free up and, you\n\nChannel 1: Yeah.\n\nChannel 0: know,\n\nChannel 1: Yeah.\n\nChannel 0: kick the kids out of home whenever that happens. I don't think mine are leaving anytime soon.\n\nChannel 1: I don't think you're leaving. That'd be silly till this time. Right?\n\nChannel 0: I know. Mine too. Although, you know, I still have a a young daughter, and I think she's eager to leave.\n\nChannel 1: How old is she?\n\nChannel 0: She's only seven. So I've got two boys and a girl, teenagers, and and, yeah,\n\nChannel 1: Yes.\n\nChannel 0: a seven year old daughter, and she's pretty sure she's she's ready to pack a bag and leave. Unfortunately, headstrong like her mother.\n\nChannel 1: Yeah. I know. It's all it's all part of the fun, though, but at least she knows what she wants.\n\nChannel 0: Yeah. Definitely. She she do she she definitely knows.\n\nChannel 1: Yeah.\n\nChannel 0: She's\n\nChannel 1: Yeah. Yeah. Good.\n\nChannel 0: she's she's a absolute firecracker. Anyway,\n\nChannel 1: All good.\n\nChannel 0: so with with with, I guess, retirement funding, are there any other sources of income you expect to be able to receive outside of, I guess, your super, Jade's super? Are there any other\n\nChannel 1: No.\n\nChannel 0: assets? Is there any wealth transfer that you're expecting as\n\nChannel 1: No.\n\nChannel 0: as awful as that sounds?\n\nChannel 1: Yeah. No. Not at the moment. And that's yeah. No one's dying.\n\nThen I don't think my mom's gonna live till she's 120, I think. So that's not happening in a hurry.\n\nChannel 0: Good. Perfect. No. That's that's absolutely good. Okay.\n\nToo easy then. So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, generally, I'd like to have, like, a at least five or ten minute phone call with you after I've drawn it all up. I obviously don't have it at hand today. But for me to be able to draw it all up and go through from there. I know, Sebi, said you were unavailable for a couple of weeks.\n\nChannel 1: Yeah. Well, if you if you give me a call when you've got that all sorted, and then I'll know more what's going on there because my time is, like, all over the place at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: So it can be flexible,\n\nChannel 0: No.\n\nChannel 1: and sometimes it can't be. So\n\nChannel 0: No. That's\n\nChannel 1: yeah.\n\nChannel 0: okay. I'm always happy, specifically on a Thursday, Friday,\n\nChannel 1: Yep.\n\nChannel 0: because, generally, I work from home on a Thursday, Friday. I'm more than happy to have, like, a evening call as well. So even if even if I just flick you an email and say, hey. I've done my thing. You know?\n\nWhen suits you? And we can kind of plan it from there. I should only need a couple like, based on the workload I currently have, I should only need less than two weeks to get everything drawn up\n\nChannel 1: Okay.\n\nChannel 0: and go from there.\n\nChannel 1: Yep. No. That sounds good.\n\nChannel 0: Cool. Now outside of the super, you do have your insurance policy as well.\n\nChannel 1: Yes. The AI isn't it?\n\nChannel 0: Yes. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: I'm just opening it back up. Where did it\n\nChannel 1: I've\n\nChannel 0: go?\n\nChannel 1: actually got a got a I haven't assigned that to anybody, but I'm a bit lazy\n\nChannel 0: Yes.\n\nChannel 1: with the paperwork. So I have to do that.\n\nChannel 0: Well, at least he knows. I like it.\n\nChannel 1: So, effectively, if I'm paying for insurance and there's not a sign to anyone, the government's probably gonna put their hand out and go, well, we'll have it. Thank you very much.\n\nChannel 0: No. So you can rest you can rest assured not quite. And the legislation's changed pretty aggressively lately. So previously, what used to happen with any superannuation policy or or fund so because your your insurance policy is funded by your super fund, it forms part of, like, the super like, it falls under some form of super legislation. It falls\n\nChannel 1: Yeah.\n\nChannel 0: under both, the Life Insurance Act and super.\n\nChannel 1: Okay.\n\nChannel 0: Now what happens is what used to happen in years gone by is they would go through what's called oh, it's gonna annoy me now. Can't think of the terminology, and that's gonna absolutely annoy me all night. But anyway, basically, they would you probably heard of it before where they put in the newspaper or they put ads out saying this person's died. Does anyone claim staking. Yes.\n\nChannel 1: There you go. Yeah.\n\nChannel 0: Claim staking. Does anyone have a a a a claim to stake on this estate?\n\nChannel 1: Yeah.\n\nChannel 0: And super funds used to do it as well, life insurance policies. Banks would do it if no one stepped forward. There's no next of kin.\n\nChannel 1: Yeah.\n\nChannel 0: And it did mean that, theoretically speaking, things would open up. So there could be a lost uncle or a mate or a mate that said, yeah. He owed me $50.\n\nChannel 1: Yeah.\n\nChannel 0: The super funds don't do it anymore. They actually just default straight through to your estate, which means if you have a will in place, the will takes over. If you don't have a will in place,\n\nChannel 1: Mhmm.\n\nChannel 0: which this is kind of a question, do you have a will in place?\n\nChannel 1: No. We actually spoke about that last month. We've actually got to a what?\n\nChannel 0: Cool.\n\nChannel 1: And other thing?\n\nChannel 0: Yes. If you don't have a will in place, there's actually very specific regulations that happen per state. Now because I work I live in Queensland, I can tell you what Queensland's are. I don't I I know that New South Wales is similar to Queensland,\n\nChannel 1: Yeah.\n\nChannel 0: but they're definitely not the same. But in Queensland, it's basically the first 300,000 of the estate goes to the spouse, and then\n\nChannel 1: Yes.\n\nChannel 0: the funds are divvied evenly between spouse and any surviving children. If there is no spouse, then it's the children. If there's only a spouse, then it goes all to the spouse. If there's no spouse, no children, then it it's parents, siblings, and down the line from there. So\n\nChannel 1: Yes.\n\nChannel 0: for yourself, you know, your your partner and your children would end up getting the money that way.\n\nChannel 1: Yeah.\n\nChannel 0: But is that your specific wishes? Maybe not because the kid's getting that much money\n\nChannel 1: Yeah. We're looking\n\nChannel 0: versus your wife. And, realistically, from the superannuation\n\nChannel 1: to\n\nChannel 0: perspective, your spouse is a tax dependent. Your spouse will always receive the benefit tax free. Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement. And your insurance policy is 1.34 mil and change.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So it's a bit of money for the boys to probably get their hands on. Now\n\nChannel 1: Yeah. It's not bad. For sure.\n\nChannel 0: no. You don't want it.\n\nChannel 1: Probably not. So you can give it to me retrospective just to give me a try. Here you go.\n\nChannel 0: Now on the insurance policy front, your policy has obviously increased a little bit over the last few years since it went in place, and it is sitting at $1,340,988.40.\n\nChannel 1: Yes.\n\nChannel 0: Is that still an appropriate amount given your debt being 700,000? Because, realistically, what that policy is gonna do because when you combine that policy with your superannuation fund, we're sitting over a mill and 0.5. So we're gonna\n\nChannel 1: Yes.\n\nChannel 0: be able to fully pay off the house\n\nChannel 1: Mhmm.\n\nChannel 0: and still have easily another $8,900,000\n\nChannel 1: Yeah.\n\nChannel 0: sitting in the bank. Plus,\n\nChannel 1: So\n\nChannel 0: don't forget, the tools and the business can be sold down because you are the business.\n\nChannel 1: yeah. So you you think that's probably a bit too excessive?\n\nChannel 0: It's it's not that it's necessarily too excessive. It's dependent on what you want for your family if something were to happen. Because, ultimately, you could turn around and go, no. Financially speaking, if I were to pass away and I know and there was no longer an income or I could never work again and there was no longer an income coming in from me, my $130,000 a year just stopped. But the mortgage was paid off.\n\nAnd we had $250,000 in the bank, or we had $400,000 in the bank. I wanna give each of the boys $50, and, you know, me and me and the wife have 300,000 just as a backup to do any renovations or anything else that we wanna do, my\n\nChannel 1: Yeah.\n\nChannel 0: wife's income is actually sufficient for us to live day to day and pay the bills. And that would be your family and how it fits.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yes.\n\nChannel 0: it is very, very dependent on how the finances operate.\n\nChannel 1: Yeah. Oh, well, it all comes down to how much it's costing as well.\n\nChannel 0: It does. And there there is always that balancing act.\n\nChannel 1: What's that\n\nChannel 0: So\n\nChannel 1: costing?\n\nChannel 0: currently, the policy is costing $4,313.11 a year.\n\nChannel 1: 4,300 and then what? Sorry?\n\nChannel 0: $4.03 13 and 11¢.\n\nChannel 1: 11¢. Okay. So maybe we should reduce that. Mhmm.\n\nChannel 0: So the biggest question I have is, if something happened to you today,\n\nChannel 1: Yeah.\n\nChannel 0: your income stopped, but your mortgage was paid off, Could the family so so the biggest question is, what is your what is your wage pay for? So does your wage pay just the mortgage, or does your wage also go towards other living expenses? And what are those living expenses?\n\nChannel 1: Yeah. I look, I guess, at this point in time, one of our wages pays the mortgage. The other one pays for everything else.\n\nChannel 0: Yep.\n\nChannel 1: So you could say that mine pays mortgage or gave. They're about the same.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Okay. So it could be that, realistically,\n\nChannel 1: yeah.\n\nChannel 0: the mortgage is if the mortgage is covered, any extra money is just kind of extra on top. So it's now a question of what do we want to have. Realistically, I always recommend at least an extra 200,000 specifically if we have a TPD event, total permanent disability, just in\n\nChannel 1: Yeah.\n\nChannel 0: case any renovations need to happen, the medical costs of of anything that happens in that total impairment disabled space. So that would bring us to basically $900,000 there.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: But if we're at $900,000, you may as well go to mill purely and simply. And the reason I say that is when you hit specific brackets, the cost actually comes down. So there's\n\nChannel 1: Yes.\n\nChannel 0: been plenty of times where I look at, like, $9.50, but a mill is actually a million dollars is actually cheaper than 950.\n\nChannel 1: Yeah.\n\nChannel 0: Sounds counterintuitive,\n\nChannel 1: I'd say it's a tough\n\nChannel 0: but\n\nChannel 1: way to\n\nChannel 0: it\n\nChannel 1: go\n\nChannel 0: sure is.\n\nChannel 1: because yeah. It is costing nearly $4.5. How much would it cost to to bring it down to a million dollars?\n\nChannel 0: Yeah. I'd have to quote that up, but\n\nChannel 1: 25.\n\nChannel 0: I can quote it and I can select it to you in an email. And what\n\nChannel 1: Mhmm.\n\nChannel 0: I'll do is I might give you a couple of different options between, like, a mail 1.2 and then, obviously, show you what you currently have and\n\nChannel 1: Yeah.\n\nChannel 0: just kinda give you a couple of different options that way and show it. The other option is I can also go to market and see if there's any other providers that are cheaper because your policy is 2,023. So, I mean, it's only three no. That's only three years old. There shouldn't be anything that's cheaper, but I'll go and have a look anyway to see if there is.\n\nBut the painful part of that is going through all the medical questions and stuff like that again. So it's administrative. It's like an hour of your time. But if it's a decent savings, then, obviously, that's gonna be a better avenue.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Absolutely.\n\nChannel 0: So I'll have a look at at all of it, and we can\n\nChannel 1: Mhmm.\n\nChannel 0: kinda go from there on that front. Okay?\n\nChannel 1: No worries. And when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in.\n\nChannel 0: Good. Yes. Absolutely. Because I looked early this morning.\n\nChannel 1: Sorry?\n\nChannel 0: I I was looking earlier today. I I'm one of those crazy people that, you know, don't take a lunch break. So you have a working lunch.\n\nChannel 1: No.\n\nChannel 0: No. When you got booked into my calendar, I pulled up your file to have a look and took notes down. Because it's your super fund as well that doesn't have the nomination, so it's it's everything. It's not just the insurance policy. It's the super fund as well.\n\nSo we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway.\n\nChannel 1: Perfect. Sounds like plan.\n\nChannel 0: Cool. Alright. Well, I will start getting digging on that front\n\nChannel 1: Mhmm.\n\nChannel 0: and go from there. I do have some documents that I have failed to send you while we were talking, but they're just basically informative for you.\n\nChannel 1: Yes.\n\nChannel 0: It's just like an asset performance sheet and stuff like that. I was just too busy talking instead of sending them to you, but we kinda talked about it all. And I know said he ran through some of the stuff this morning with you anyway.\n\nChannel 1: Yes.\n\nChannel 0: But I'll send those through. And then there's the client services agreement that I will send through Hub twenty four for you to authorize so we can continue acting as your adviser and servicing your account. I'll go away and get all my research happening. And once it's all drawn up or once I have everything back, I'll I'll email you through, and we can schedule a time to go through the advice.\n\nChannel 1: Perfect. Awesome.\n\nChannel 0: Amazing.\n\nChannel 1: Alright.\n\nChannel 0: Perfect.\n\nChannel 1: Well Okay.\n\nChannel 0: Well\n\nChannel 1: I'll I'll speak to you in, I guess, in a couple of weeks or two or three weeks.\n\nChannel 0: yeah. Yeah. Absolutely. It yeah. It it shouldn't be much more than two weeks, to be completely honest.\n\nLike, realistically, if it's two weeks, I'm not doing a good job good enough jobs. So I'll yeah. You'll have an email from me as soon as I basically get the quotes back from the insurers, which will that'll be the longest time as that that takes a couple of days to get that back. But, otherwise, we'll kind of go from there.\n\nChannel 1: Awesome. Brilliant champion.\n\nChannel 0: Amazing.\n\nChannel 1: Thanks. Bye bye.\n\nChannel 0: No stress at all, Raffy. You have a good night.\n\nChannel 1: You too. Thanks so much. Good luck with the young one.\n\nChannel 0: Oh, yeah. Thanks.\n\nChannel 1: Cheers. Speak soon.\n\nChannel 0: Will do. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Your name and reason for calling.","start":0.32,"end":2.02,"sentiment":"neutral","sentiment_score":0.013150973245501518},{"text":"I'll see if this person is available.","start":2.1599998,"end":4.02,"sentiment":"neutral","sentiment_score":0.013283955465470041}],"sentiment":"neutral","sentiment_score":0.0132225790562538,"channel":1,"num_words":13,"start":0.32,"end":4.02},{"sentences":[{"text":"Larissa, Earthview Financial.","start":6.64,"end":8.18,"sentiment":"neutral","sentiment_score":0.06974780683716138}],"sentiment":"neutral","sentiment_score":0.06974780683716138,"channel":0,"num_words":3,"start":6.64,"end":8.18},{"sentences":[{"text":"Thanks.","start":12.559999,"end":13.059999,"sentiment":"positive","sentiment_score":0.4829767346382141},{"text":"Please stay on the 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home.","start":728.10004,"end":732.36,"sentiment":"neutral","sentiment_score":0.17278675309249333}],"sentiment":"neutral","sentiment_score":0.17278675309249333,"channel":0,"num_words":14,"start":728.10004,"end":732.36},{"sentences":[{"text":"Yeah.","start":733.215,"end":733.295,"sentiment":"neutral","sentiment_score":0.16569489240646362},{"text":"Yeah.","start":733.295,"end":733.795,"sentiment":"neutral","sentiment_score":0.1971970796585083}],"sentiment":"neutral","sentiment_score":0.18144598603248596,"channel":1,"num_words":2,"start":733.215,"end":733.795},{"sentences":[{"text":"Aside from that, we obviously have your superannuation fund, and how that's invested as an individual asset does kind of does kind of, I guess, decide or dictate the future.","start":734.35504,"end":748.695,"sentiment":"neutral","sentiment_score":0.19460538377364475},{"text":"Now percentage wise, how it's invested is important because you wanna know like, we need to sort of, I guess, make sure that we're having a balancing act between assets invested in the market, but also making sure that we're not taking on too much risk with those assets on the market.","start":749.19,"end":767.53503,"sentiment":"neutral","sentiment_score":0.06932334286662248},{"text":"We wanna have that here.","start":767.59503,"end":770.715,"sentiment":"neutral","sentiment_score":0.16037169098854065},{"text":"Let me backtrack.","start":770.715,"end":771.53503,"sentiment":"neutral","sentiment_score":-0.053995318710803986},{"text":"So investor risk profiles basically dictate what percentage of your funds are on the market and what percentage of funds are held defensively.","start":771.835,"end":783.5,"sentiment":"neutral","sentiment_score":-0.0543195903301239}],"sentiment":"neutral","sentiment_score":0.07817254215478897,"channel":0,"num_words":113,"start":734.35504,"end":783.5},{"sentences":[{"text":"Now defensive assets are still generally on market because you've got cash, you've got fixed interest, you've got bonds.","start":783.72,"end":788.94,"sentiment":"neutral","sentiment_score":0.0399952570074483},{"text":"Fixed interest and bond assets are still technically market valued assets, but there's less risk associated with them.","start":789.14496,"end":796.925,"sentiment":"neutral","sentiment_score":0.06120705728729566}],"sentiment":"neutral","sentiment_score":0.05031451119764431,"channel":0,"num_words":37,"start":783.72,"end":796.925},{"sentences":[{"text":"Yes.","start":798.09503,"end":798.59503,"sentiment":"neutral","sentiment_score":0.14365196228027344}],"sentiment":"neutral","sentiment_score":0.14365196228027344,"channel":1,"num_words":1,"start":798.09503,"end":798.59503},{"sentences":[{"text":"Now when you when or if you look at underlying assets, what we always wanna do is we wanna look at how those assets are gonna track against the market, what actual underlying risk they have.","start":799.385,"end":813.11,"sentiment":"neutral","sentiment_score":0.04732010172059139},{"text":"Just","start":814.05,"end":814.29,"sentiment":"neutral","sentiment_score":0.0805141031742096}],"sentiment":"neutral","sentiment_score":0.0482172368950135,"channel":0,"num_words":37,"start":799.385,"end":814.29},{"sentences":[{"text":"Yes.","start":814.13,"end":814.63,"sentiment":"neutral","sentiment_score":-0.06992573291063309}],"sentiment":"neutral","sentiment_score":-0.06992573291063309,"channel":1,"num_words":1,"start":814.13,"end":814.63},{"sentences":[{"text":"because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them.","start":814.29,"end":840.91,"sentiment":"neutral","sentiment_score":-0.1512973942144802},{"text":"We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart.","start":840.91,"end":848.33496,"sentiment":"neutral","sentiment_score":0.3244700774550438},{"text":"Now the assets that you have currently are doing that, but I can also see that we could make some tweaks and changes because the market changes and the economic environment changes.","start":848.795,"end":863.58997,"sentiment":"neutral","sentiment_score":0.027460810146294534},{"text":"And crazy enough, the political environment very aggressively changes currently.","start":863.64996,"end":868.23,"sentiment":"neutral","sentiment_score":-0.19361694976687432}],"sentiment":"neutral","sentiment_score":-0.03557539095345419,"channel":0,"num_words":128,"start":814.29,"end":868.23},{"sentences":[{"text":"Yes.","start":869.25,"end":869.75,"sentiment":"neutral","sentiment_score":0.10199210047721864}],"sentiment":"neutral","sentiment_score":0.10199210047721864,"channel":1,"num_words":1,"start":869.25,"end":869.75},{"sentences":[{"text":"And that has an effect on some of the assets that we hold.","start":869.97,"end":872.79,"sentiment":"neutral","sentiment_score":0.12775308753435427},{"text":"Now with superannuation funds, Hub twenty four gives us a much greater investment manager than what others do.","start":873.765,"end":887.145,"sentiment":"positive","sentiment_score":0.4237595482005013}],"sentiment":"neutral","sentiment_score":0.2996278066308268,"channel":0,"num_words":31,"start":869.97,"end":887.145},{"sentences":[{"text":"Yes.","start":888.09,"end":888.59,"sentiment":"positive","sentiment_score":0.33960843086242676}],"sentiment":"positive","sentiment_score":0.33960843086242676,"channel":1,"num_words":1,"start":888.09,"end":888.59},{"sentences":[{"text":"And, ultimately speaking, majority of your funds are doing really well.","start":888.34,"end":893.62,"sentiment":"positive","sentiment_score":0.5453670051964846},{"text":"So if, like, if you if you can log on or if you ever do log on, you'd see that you have quite a number of, like, Australian listed securities that are performing really well.","start":893.62,"end":904.555,"sentiment":"neutral","sentiment_score":0.3238868355751038},{"text":"You do have one of your managed funds, which is a an Australian equity fund.","start":905.095,"end":911.27496,"sentiment":"neutral","sentiment_score":0.21584120492140452},{"text":"And the equities fund, while it has previously performed extremely well, like, gangbustersly well,","start":912.935,"end":921.27,"sentiment":"neutral","sentiment_score":0.19843807071447372}],"sentiment":"neutral","sentiment_score":0.3113443648815155,"channel":0,"num_words":75,"start":888.34,"end":921.27},{"sentences":[{"text":"Yeah.","start":921.11,"end":921.61,"sentiment":"neutral","sentiment_score":-0.041036225855350494}],"sentiment":"neutral","sentiment_score":-0.041036225855350494,"channel":1,"num_words":1,"start":921.11,"end":921.61},{"sentences":[{"text":"it took a bit of a dive.","start":922.61005,"end":925.27,"sentiment":"neutral","sentiment_score":-0.2353808113506862},{"text":"And while we did originally have some pretty decent belief in the fact that that that asset could turn around, it hasn't we've met with Benelon was the investment manager.","start":925.89,"end":936.865,"sentiment":"neutral","sentiment_score":-0.0996282622218132},{"text":"We've met with Benelon.","start":936.865,"end":937.84503,"sentiment":"neutral","sentiment_score":-0.0479184752330184},{"text":"They're refusing to change their stance on how they invest within the fund.","start":938.22504,"end":943.1,"sentiment":"neutral","sentiment_score":-0.14488629882152265},{"text":"They are what's called a high conviction fund.","start":943.64,"end":945.88,"sentiment":"neutral","sentiment_score":0.029216617345809937}],"sentiment":"neutral","sentiment_score":-0.10448349020894497,"channel":0,"num_words":62,"start":922.61005,"end":945.88},{"sentences":[{"text":"So, basically, they stand behind their assets, and the assets just aren't pulling up their socks, to put it frank.","start":945.88,"end":952.86,"sentiment":"neutral","sentiment_score":-0.0030043842270970345}],"sentiment":"neutral","sentiment_score":-0.0030043842270970345,"channel":0,"num_words":20,"start":945.88,"end":952.86},{"sentences":[{"text":"Yeah.","start":953.29,"end":953.79,"sentiment":"neutral","sentiment_score":0.05042991787195206}],"sentiment":"neutral","sentiment_score":0.05042991787195206,"channel":1,"num_words":1,"start":953.29,"end":953.79},{"sentences":[{"text":"So, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you.","start":953.96,"end":969.585,"sentiment":"neutral","sentiment_score":0.2831107554467101},{"text":"Because all of your assets cost money, they they have do have investment fees associated with them.","start":969.87,"end":974.85,"sentiment":"neutral","sentiment_score":-0.03358328912188025},{"text":"But it does come down to what style of investor you are.","start":976.03,"end":979.25,"sentiment":"neutral","sentiment_score":0.04383859317749739},{"text":"So while there's the risk profile that I kinda went through, which is how much money is on the versus defensively, there's also two styles of investors.","start":979.47003,"end":989.83496,"sentiment":"neutral","sentiment_score":-0.0782302086138063},{"text":"So you can be someone who is happy to have a cheaper asset to track and slightly outperform the market, or we can look at having slightly more expensive assets, which is called active management, to outperform the market more aggressively.","start":990.375,"end":1006.43,"sentiment":"neutral","sentiment_score":0.07878622976018161}],"sentiment":"neutral","sentiment_score":0.08763981998242713,"channel":0,"num_words":135,"start":953.96,"end":1006.43},{"sentences":[{"text":"Yeah.","start":1007.435,"end":1007.935,"sentiment":"neutral","sentiment_score":0.08309315145015717}],"sentiment":"neutral","sentiment_score":0.08309315145015717,"channel":1,"num_words":1,"start":1007.435,"end":1007.935},{"sentences":[{"text":"What, I guess, is your overall stance when it does come to investing in that realm?","start":1008.97,"end":1013.055,"sentiment":"neutral","sentiment_score":0.09305511461570859}],"sentiment":"neutral","sentiment_score":0.09305511461570859,"channel":0,"num_words":16,"start":1008.97,"end":1013.055},{"sentences":[{"text":"Well, look, long term because I still look, I've only just turned 49.","start":1014.75,"end":1019.25,"sentiment":"neutral","sentiment_score":0.015987577776496228}],"sentiment":"neutral","sentiment_score":0.015987577776496228,"channel":1,"num_words":13,"start":1014.75,"end":1019.25},{"sentences":[{"text":"Still","start":1020.495,"end":1020.735,"sentiment":"neutral","sentiment_score":-0.014832686632871628}],"sentiment":"neutral","sentiment_score":-0.014832686632871628,"channel":0,"num_words":1,"start":1020.495,"end":1020.735},{"sentences":[{"text":"So","start":1020.51,"end":1020.75,"sentiment":"neutral","sentiment_score":-0.015203405171632768}],"sentiment":"neutral","sentiment_score":-0.015203405171632768,"channel":1,"num_words":1,"start":1020.51,"end":1020.75},{"sentences":[{"text":"have","start":1020.735,"end":1020.975,"sentiment":"neutral","sentiment_score":-0.02953502908349037}],"sentiment":"neutral","sentiment_score":-0.02953502908349037,"channel":0,"num_words":1,"start":1020.735,"end":1020.975},{"sentences":[{"text":"I","start":1020.75,"end":1020.99005,"sentiment":"neutral","sentiment_score":-0.005883544683456421}],"sentiment":"neutral","sentiment_score":-0.005883544683456421,"channel":1,"num_words":1,"start":1020.75,"end":1020.99005},{"sentences":[{"text":"plenty","start":1020.975,"end":1021.21497,"sentiment":"neutral","sentiment_score":0.014840804040431976}],"sentiment":"neutral","sentiment_score":0.014840804040431976,"channel":0,"num_words":1,"start":1020.975,"end":1021.21497},{"sentences":[{"text":"still","start":1020.99005,"end":1021.31006,"sentiment":"neutral","sentiment_score":-0.03898542374372482}],"sentiment":"neutral","sentiment_score":-0.03898542374372482,"channel":1,"num_words":1,"start":1020.99005,"end":1021.31006},{"sentences":[{"text":"of","start":1021.21497,"end":1021.375,"sentiment":"neutral","sentiment_score":0.007604293525218964}],"sentiment":"neutral","sentiment_score":0.007604293525218964,"channel":0,"num_words":1,"start":1021.21497,"end":1021.375},{"sentences":[{"text":"got","start":1021.31006,"end":1021.71,"sentiment":"neutral","sentiment_score":-0.02621503919363022}],"sentiment":"neutral","sentiment_score":-0.02621503919363022,"channel":1,"num_words":1,"start":1021.31006,"end":1021.71},{"sentences":[{"text":"time.","start":1021.375,"end":1021.875,"sentiment":"neutral","sentiment_score":0.0006708167493343353}],"sentiment":"neutral","sentiment_score":0.0006708167493343353,"channel":0,"num_words":1,"start":1021.375,"end":1021.875},{"sentences":[{"text":"a still got a few years.","start":1021.71,"end":1023.25,"sentiment":"neutral","sentiment_score":-0.04046586466332277},{"text":"And, yeah, I think you you can't be too risk averse, can you?","start":1024.725,"end":1030.485,"sentiment":"neutral","sentiment_score":-0.042510199575470045},{"text":"If you risk averse, you you really don't move forward too quickly.","start":1030.485,"end":1034.105,"sentiment":"negative","sentiment_score":-0.42476170013348263},{"text":"If any of the what if if at all, really.","start":1035.045,"end":1037.785,"sentiment":"neutral","sentiment_score":-0.2587425023317337},{"text":"So I think","start":1038.0199,"end":1038.98,"sentiment":"neutral","sentiment_score":-0.0011898800730705261}],"sentiment":"neutral","sentiment_score":-0.1928082465363497,"channel":1,"num_words":44,"start":1021.71,"end":1038.98},{"sentences":[{"text":"Yeah.","start":1038.78,"end":1039.28,"sentiment":"neutral","sentiment_score":0.020959142595529556}],"sentiment":"neutral","sentiment_score":0.020959142595529556,"channel":0,"num_words":1,"start":1038.78,"end":1039.28},{"sentences":[{"text":"what you're saying makes more sense.","start":1038.98,"end":1040.7599,"sentiment":"neutral","sentiment_score":-0.040958140355845295}],"sentiment":"neutral","sentiment_score":-0.040958140355845295,"channel":1,"num_words":6,"start":1038.98,"end":1040.7599},{"sentences":[{"text":"Cool.","start":1042.565,"end":1043.065,"sentiment":"neutral","sentiment_score":0.31233376264572144},{"text":"So what what I what I can do and what I wanna do is there's one fund I definitely definitely wanna move out of, and that's the been a long fund.","start":1043.6849,"end":1050.905,"sentiment":"neutral","sentiment_score":0.1359096222346829}],"sentiment":"neutral","sentiment_score":0.14142287662252784,"channel":0,"num_words":32,"start":1042.565,"end":1050.905},{"sentences":[{"text":"Mhmm.","start":1051.22,"end":1051.72,"sentiment":"neutral","sentiment_score":0.000447380356490612}],"sentiment":"neutral","sentiment_score":0.000447380356490612,"channel":1,"num_words":1,"start":1051.22,"end":1051.72},{"sentences":[{"text":"The other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing.","start":1051.525,"end":1058.74,"sentiment":"neutral","sentiment_score":-0.24323705099523069},{"text":"So it's called a bank hybrid.","start":1058.74,"end":1060.12,"sentiment":"neutral","sentiment_score":0.007626686866084735},{"text":"The the government are are literally fit phasing them out by","start":1060.8201,"end":1064.84,"sentiment":"neutral","sentiment_score":-0.11819541386582634}],"sentiment":"neutral","sentiment_score":-0.16538190408735662,"channel":0,"num_words":37,"start":1051.525,"end":1064.84},{"sentences":[{"text":"Okay.","start":1065.3,"end":1065.8,"sentiment":"neutral","sentiment_score":-0.06920730322599411}],"sentiment":"neutral","sentiment_score":-0.06920730322599411,"channel":1,"num_words":1,"start":1065.3,"end":1065.8},{"sentences":[{"text":"2032, if memory serves, to be completely frank.","start":1066.02,"end":1071.1649,"sentiment":"neutral","sentiment_score":-0.05645998055115342}],"sentiment":"neutral","sentiment_score":-0.05645998055115342,"channel":0,"num_words":8,"start":1066.02,"end":1071.1649},{"sentences":[{"text":"Yeah.","start":1071.8025,"end":1072.3025,"sentiment":"neutral","sentiment_score":-0.10518624633550644}],"sentiment":"neutral","sentiment_score":-0.10518624633550644,"channel":1,"num_words":1,"start":1071.8025,"end":1072.3025},{"sentences":[{"text":"I think it's 2032, 2029, somewhere around there.","start":1072.505,"end":1076.0449,"sentiment":"neutral","sentiment_score":-0.1353755071759224},{"text":"It's a few years off anyway.","start":1076.1849,"end":1077.645,"sentiment":"neutral","sentiment_score":-0.3122635881106059},{"text":"They're all gonna be phased out, which means that that asset's not gonna exist anymore.","start":1078.0249,"end":1081.4049,"sentiment":"negative","sentiment_score":-0.3822850445906321},{"text":"So it makes no sense to continue holding.","start":1082.3999,"end":1084.58,"sentiment":"negative","sentiment_score":-0.554154708981514},{"text":"Sorry?","start":1085.2,"end":1085.7,"sentiment":"neutral","sentiment_score":-0.19636410474777224}],"sentiment":"negative","sentiment_score":-0.35053850082974686,"channel":0,"num_words":38,"start":1072.505,"end":1085.7},{"sentences":[{"text":"So I no.","start":1088.32,"end":1090.48,"sentiment":"neutral","sentiment_score":-0.19889034827550253},{"text":"That's okay.","start":1090.48,"end":1091.2999,"sentiment":"neutral","sentiment_score":-0.06802083365619183},{"text":"So a banking hybrid is basically where you have bank asset held trying to explain it in yeah.","start":1091.7599,"end":1105.265,"sentiment":"neutral","sentiment_score":-0.05428258722854985},{"text":"Sorry.","start":1105.265,"end":1105.765,"sentiment":"neutral","sentiment_score":-0.10332170128822328},{"text":"So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them.","start":1106.945,"end":1128.765,"sentiment":"neutral","sentiment_score":0.2554046464015226}],"sentiment":"neutral","sentiment_score":0.16195955819943372,"channel":0,"num_words":85,"start":1088.32,"end":1128.765},{"sentences":[{"text":"Yeah.","start":1129.26,"end":1129.66,"sentiment":"neutral","sentiment_score":0.13162299990653992},{"text":"Yeah.","start":1129.66,"end":1130.16,"sentiment":"neutral","sentiment_score":0.14403590559959412},{"text":"So it's still much like a long term.","start":1130.22,"end":1132.24,"sentiment":"neutral","sentiment_score":0.17488035187125206}],"sentiment":"neutral","sentiment_score":0.16747017204761505,"channel":1,"num_words":10,"start":1129.26,"end":1132.24},{"sentences":[{"text":"Like a term deposit, basically.","start":1133.225,"end":1134.765,"sentiment":"neutral","sentiment_score":0.13345233500003814}],"sentiment":"neutral","sentiment_score":0.13345233500003814,"channel":0,"num_words":5,"start":1133.225,"end":1134.765},{"sentences":[{"text":"Yeah.","start":1135.185,"end":1135.685,"sentiment":"neutral","sentiment_score":0.044487182050943375}],"sentiment":"neutral","sentiment_score":0.044487182050943375,"channel":1,"num_words":1,"start":1135.185,"end":1135.685},{"sentences":[{"text":"Not quite.","start":1136.9,"end":1137.8,"sentiment":"neutral","sentiment_score":-0.07430800795555115},{"text":"Like, that's really simplifying it, but, essentially, very similar to how a term deposit kinda works.","start":1137.86,"end":1143.96,"sentiment":"neutral","sentiment_score":0.09204137907363474}],"sentiment":"neutral","sentiment_score":0.07355811384816964,"channel":0,"num_words":18,"start":1136.9,"end":1143.96},{"sentences":[{"text":"Yeah.","start":1143.905,"end":1144.225,"sentiment":"neutral","sentiment_score":0.07577872276306152},{"text":"Yeah.","start":1144.225,"end":1144.725,"sentiment":"neutral","sentiment_score":0.08993794769048691},{"text":"Yeah.","start":1144.865,"end":1145.365,"sentiment":"neutral","sentiment_score":0.11679274588823318}],"sentiment":"neutral","sentiment_score":0.09416980544726054,"channel":1,"num_words":3,"start":1143.905,"end":1145.365},{"sentences":[{"text":"It's it's almost like a fixed interest term deposit, shares, equity, all wrapped up into 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changes have kind of happened, and and it's APRA, which is the, like, Australian financial regulator or one of, have have determined that those funds need to be reallocated.","start":1156.585,"end":1178.965,"sentiment":"neutral","sentiment_score":-0.12385420187523491},{"text":"So, basically, within the next I believe I right.","start":1179.105,"end":1181.425,"sentiment":"neutral","sentiment_score":-0.06466562507881059},{"text":"I'm pretty sure it is 2032.","start":1181.425,"end":1183.2051,"sentiment":"neutral","sentiment_score":0.012741634311775366},{"text":"Is it within the next sort of, you know, whatever that is, five or six years, it's something like $30,000,000,000 that sits under banking hybrids will need to move out of banking hybrids and be 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grand.","start":1429.495,"end":1447.895,"sentiment":"neutral","sentiment_score":0.07315124732417029},{"text":"Do","start":1448.435,"end":1448.755,"sentiment":"neutral","sentiment_score":0.10201965272426604}],"sentiment":"neutral","sentiment_score":0.07335329922132713,"channel":0,"num_words":43,"start":1427.015,"end":1448.755},{"sentences":[{"text":"Yes.","start":1448.595,"end":1449.095,"sentiment":"neutral","sentiment_score":0.16656336188316345}],"sentiment":"neutral","sentiment_score":0.16656336188316345,"channel":1,"num_words":1,"start":1448.595,"end":1449.095},{"sentences":[{"text":"you wanna look at doing something like that more regularly rather than just doing a quick, I guess, cash dump before end of financial year?","start":1448.755,"end":1458.675,"sentiment":"neutral","sentiment_score":0.1235994702577591},{"text":"We can sort of increase the contributions you make throughout the year to assist with 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$2.50.","start":1487.625,"end":1491.085,"sentiment":"neutral","sentiment_score":0.047195238849291436},{"text":"Then you go to another brick retailer, and the bricks are, you know, $2.","start":1491.2,"end":1495.62,"sentiment":"neutral","sentiment_score":0.059960002079606056},{"text":"And all of those little bricks that you buy at different segments from all the different retailers","start":1496.16,"end":1500.58,"sentiment":"neutral","sentiment_score":0.1014367760542561}],"sentiment":"neutral","sentiment_score":0.07221371197903698,"channel":0,"num_words":44,"start":1487.625,"end":1500.58},{"sentences":[{"text":"Mhmm.","start":1500.495,"end":1500.995,"sentiment":"neutral","sentiment_score":0.08654753863811493}],"sentiment":"neutral","sentiment_score":0.08654753863811493,"channel":1,"num_words":1,"start":1500.495,"end":1500.995},{"sentences":[{"text":"all make up your home as a whole.","start":1500.72,"end":1502.42,"sentiment":"neutral","sentiment_score":0.14499852899461985},{"text":"Now the longer you hold those bricks, the brick value goes up and down depending on how the market's moving.","start":1502.88,"end":1507.565,"sentiment":"neutral","sentiment_score":0.01362916948273778}],"sentiment":"neutral","sentiment_score":0.05116327220041837,"channel":0,"num_words":28,"start":1500.72,"end":1507.565},{"sentences":[{"text":"Yes.","start":1507.2825,"end":1507.7825,"sentiment":"neutral","sentiment_score":0.2528139650821686}],"sentiment":"neutral","sentiment_score":0.2528139650821686,"channel":1,"num_words":1,"start":1507.2825,"end":1507.7825},{"sentences":[{"text":"And when you're selling, we obviously wanna sell from the from the bottom up.","start":1507.7849,"end":1513.005,"sentiment":"neutral","sentiment_score":0.2588550884808813},{"text":"So instead of demolishing the house from the top down, you actually take from the bottom of the slab, and you sell those assets off because you've held them the longest.","start":1513.065,"end":1521.085,"sentiment":"neutral","sentiment_score":0.21910788455317098},{"text":"And they're the ones that, you know, capital gains is not gonna affect.","start":1522.02,"end":1525.9601,"sentiment":"neutral","sentiment_score":0.2861019430252222},{"text":"And you wanna try and sell in a way that if you bought a brick for $2, you're selling it for $4.","start":1526.5,"end":1531.2201,"sentiment":"neutral","sentiment_score":0.29891681332479825},{"text":"You're not gonna sell the brick that you bought for $5 for $4, if that 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can happen is if we put money in more regularly.","start":1538.7251,"end":1541.765,"sentiment":"positive","sentiment_score":0.34543222561478615},{"text":"Now I know that you do put money in in regularly.","start":1541.765,"end":1544.985,"sentiment":"positive","sentiment_score":0.35257927667010913},{"text":"You know, you your your contributions come in quarterly, and and and that'll that'll land fine.","start":1545.365,"end":1550.5851,"sentiment":"neutral","sentiment_score":0.28777437563985586},{"text":"But","start":1551.27,"end":1551.51,"sentiment":"neutral","sentiment_score":0.2472485899925232}],"sentiment":"neutral","sentiment_score":0.3240210512144999,"channel":0,"num_words":44,"start":1538.7251,"end":1551.51},{"sentences":[{"text":"Yep.","start":1551.31,"end":1551.81,"sentiment":"positive","sentiment_score":0.34206026792526245}],"sentiment":"positive","sentiment_score":0.34206026792526245,"channel":1,"num_words":1,"start":1551.31,"end":1551.81},{"sentences":[{"text":"what we can do is we can increase those contributions on the quarterly or depending on how much you like your accountant and will wanna do it.","start":1551.51,"end":1560.31,"sentiment":"positive","sentiment_score":0.4200613664256202},{"text":"You could even start making those contributions monthly or more regularly.","start":1560.31,"end":1563.8501,"sentiment":"positive","sentiment_score":0.5052323693578894},{"text":"Payday super came in while you run your own business, so you're a little bit more withdrawn from that legislation because, you know, it's just yourself that you're kind of 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in.","start":1620.075,"end":1620.715,"sentiment":"neutral","sentiment_score":0.04322098335251212},{"text":"Can you do the thing you need to do?","start":1620.715,"end":1622.335,"sentiment":"neutral","sentiment_score":0.021301092579960823},{"text":"Either","start":1623.115,"end":1623.355,"sentiment":"neutral","sentiment_score":-0.007119407877326012}],"sentiment":"neutral","sentiment_score":0.025822609869970217,"channel":0,"num_words":27,"start":1616.715,"end":1623.355},{"sentences":[{"text":"Yeah.","start":1623.1901,"end":1623.6901,"sentiment":"neutral","sentiment_score":0.025575963780283928}],"sentiment":"neutral","sentiment_score":0.025575963780283928,"channel":1,"num_words":1,"start":1623.1901,"end":1623.6901},{"sentences":[{"text":"right","start":1623.355,"end":1623.855,"sentiment":"neutral","sentiment_score":0.01570548117160797}],"sentiment":"neutral","sentiment_score":0.01570548117160797,"channel":0,"num_words":1,"start":1623.355,"end":1623.855},{"sentences":[{"text":"I might I 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whenever that happens.","start":1648.285,"end":1651.005,"sentiment":"neutral","sentiment_score":-0.037237458344962865},{"text":"I don't think mine are leaving anytime soon.","start":1651.005,"end":1653.025,"sentiment":"negative","sentiment_score":-0.3402198441326618}],"sentiment":"neutral","sentiment_score":-0.17981740459799767,"channel":0,"num_words":17,"start":1648.285,"end":1653.025},{"sentences":[{"text":"I don't think you're leaving.","start":1653.64,"end":1654.78,"sentiment":"negative","sentiment_score":-0.3485803782939911},{"text":"That'd be silly till this time.","start":1655.24,"end":1656.6001,"sentiment":"negative","sentiment_score":-0.4353787750005722},{"text":"Right?","start":1656.6001,"end":1657.1001,"sentiment":"neutral","sentiment_score":-0.12717577815055847}],"sentiment":"negative","sentiment_score":-0.3735291933019956,"channel":1,"num_words":12,"start":1653.64,"end":1657.1001},{"sentences":[{"text":"I 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she's a absolute firecracker.","start":1698.41,"end":1700.4299,"sentiment":"neutral","sentiment_score":-0.2602160215377808},{"text":"Anyway,","start":1703.735,"end":1704.235,"sentiment":"neutral","sentiment_score":0.2828267514705658}],"sentiment":"neutral","sentiment_score":-0.16970889270305634,"channel":0,"num_words":6,"start":1698.41,"end":1704.235},{"sentences":[{"text":"All good.","start":1703.9049,"end":1704.6449,"sentiment":"neutral","sentiment_score":0.29187185503542423}],"sentiment":"neutral","sentiment_score":0.29187185503542423,"channel":1,"num_words":2,"start":1703.9049,"end":1704.6449},{"sentences":[{"text":"so with with with, I guess, retirement funding, are there any other sources of income you expect to be able to receive outside of, I guess, your super, Jade's super?","start":1704.295,"end":1717.1,"sentiment":"neutral","sentiment_score":0.008548273953298728},{"text":"Are there any 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have a will in place, there's actually very specific regulations that happen per state.","start":1982.3099,"end":1989.0349,"sentiment":"neutral","sentiment_score":-0.11167676001787186},{"text":"Now because I work I live in Queensland, I can tell you what Queensland's are.","start":1989.575,"end":1994.0549,"sentiment":"neutral","sentiment_score":0.0007741159449021021},{"text":"I don't I I know that New South Wales is similar to Queensland,","start":1994.0549,"end":1999.15,"sentiment":"neutral","sentiment_score":-0.06672000713073291}],"sentiment":"neutral","sentiment_score":-0.059653165466759514,"channel":0,"num_words":46,"start":1981.51,"end":1999.15},{"sentences":[{"text":"Yeah.","start":1998.91,"end":1999.41,"sentiment":"neutral","sentiment_score":-0.04381871968507767}],"sentiment":"neutral","sentiment_score":-0.04381871968507767,"channel":1,"num_words":1,"start":1998.91,"end":1999.41},{"sentences":[{"text":"but they're definitely not the 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children.","start":2015.4349,"end":2017.375,"sentiment":"neutral","sentiment_score":-0.05896665487024519},{"text":"If there's only a spouse, then it goes all to the spouse.","start":2017.595,"end":2020.075,"sentiment":"neutral","sentiment_score":-0.0457528963064154},{"text":"If there's no spouse, no children, then it it's parents, siblings, and down the line from there.","start":2020.075,"end":2026.095,"sentiment":"neutral","sentiment_score":-0.07193802779211718},{"text":"So","start":2026.34,"end":2026.66,"sentiment":"neutral","sentiment_score":0.06172844022512436}],"sentiment":"neutral","sentiment_score":-0.03641550030559301,"channel":0,"num_words":50,"start":2010.955,"end":2026.66},{"sentences":[{"text":"Yes.","start":2026.44,"end":2026.94,"sentiment":"neutral","sentiment_score":0.11430801451206209}],"sentiment":"neutral","sentiment_score":0.11430801451206209,"channel":1,"num_words":1,"start":2026.44,"end":2026.94},{"sentences":[{"text":"for yourself, you know, your your partner and your children would end up getting the money that way.","start":2026.66,"end":2033.4,"sentiment":"neutral","sentiment_score":0.2070232629776001}],"sentiment":"neutral","sentiment_score":0.2070232629776001,"channel":0,"num_words":18,"start":2026.66,"end":2033.4},{"sentences":[{"text":"Yeah.","start":2033.345,"end":2033.845,"sentiment":"neutral","sentiment_score":0.04733039066195488}],"sentiment":"neutral","sentiment_score":0.04733039066195488,"channel":1,"num_words":1,"start":2033.345,"end":2033.845},{"sentences":[{"text":"But is that your specific wishes?","start":2035.22,"end":2037.88,"sentiment":"neutral","sentiment_score":0.006819950727125009},{"text":"Maybe not because the kid's getting that much money","start":2038.26,"end":2042.4651,"sentiment":"neutral","sentiment_score":-0.0866165773736106}],"sentiment":"neutral","sentiment_score":-0.049241966133316356,"channel":0,"num_words":15,"start":2035.22,"end":2042.4651},{"sentences":[{"text":"Yeah.","start":2044.78,"end":2045.02,"sentiment":"neutral","sentiment_score":-0.04786530882120133},{"text":"We're looking","start":2045.02,"end":2045.6,"sentiment":"neutral","sentiment_score":-0.10915202647447586}],"sentiment":"neutral","sentiment_score":-0.08872312059005101,"channel":1,"num_words":3,"start":2044.78,"end":2045.6},{"sentences":[{"text":"versus your wife.","start":2045.165,"end":2046.305,"sentiment":"neutral","sentiment_score":-0.1275931696097056},{"text":"And, realistically, from the superannuation","start":2046.8451,"end":2049.2651,"sentiment":"neutral","sentiment_score":-0.07499832659959793}],"sentiment":"neutral","sentiment_score":-0.09472139272838831,"channel":0,"num_words":8,"start":2045.165,"end":2049.2651},{"sentences":[{"text":"to","start":2048.78,"end":2048.94,"sentiment":"neutral","sentiment_score":-0.025251325219869617}],"sentiment":"neutral","sentiment_score":-0.025251325219869617,"channel":1,"num_words":1,"start":2048.78,"end":2048.94},{"sentences":[{"text":"perspective, your spouse is a tax dependent.","start":2049.485,"end":2053.0251,"sentiment":"neutral","sentiment_score":-0.06696664967707225},{"text":"Your spouse will always receive the benefit tax free.","start":2053.59,"end":2056.55,"sentiment":"neutral","sentiment_score":0.026921437432368595},{"text":"Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement.","start":2056.55,"end":2068.01,"sentiment":"neutral","sentiment_score":-0.08923923750134076},{"text":"And your insurance policy is 1.34 mil and change.","start":2070.925,"end":2074.545,"sentiment":"neutral","sentiment_score":-0.07707458403375414}],"sentiment":"neutral","sentiment_score":-0.06702167698639934,"channel":0,"num_words":59,"start":2049.485,"end":2074.545},{"sentences":[{"text":"Yeah.","start":2075.68,"end":2075.92,"sentiment":"neutral","sentiment_score":-0.02495865896344185},{"text":"Yeah.","start":2075.92,"end":2076.42,"sentiment":"neutral","sentiment_score":-0.04450558125972748}],"sentiment":"neutral","sentiment_score":-0.03473212011158466,"channel":1,"num_words":2,"start":2075.68,"end":2076.42},{"sentences":[{"text":"So it's a bit of money for the boys to probably get their hands 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$1,340,988.40.","start":2097.315,"end":2116.0598,"sentiment":"neutral","sentiment_score":-0.06909079533070325}],"sentiment":"neutral","sentiment_score":-0.06909079533070325,"channel":0,"num_words":30,"start":2097.315,"end":2116.0598},{"sentences":[{"text":"Yes.","start":2117.175,"end":2117.675,"sentiment":"neutral","sentiment_score":0.11226562410593031}],"sentiment":"neutral","sentiment_score":0.11226562410593031,"channel":1,"num_words":1,"start":2117.175,"end":2117.675},{"sentences":[{"text":"Is that still an appropriate amount given your debt being 700,000?","start":2119.0,"end":2125.26,"sentiment":"neutral","sentiment_score":0.16661614247343756},{"text":"Because, realistically, what that policy is gonna do because when you combine that policy with your superannuation fund, we're sitting over a mill and 0.5.","start":2125.985,"end":2135.205,"sentiment":"neutral","sentiment_score":0.07543971307575703},{"text":"So we're gonna","start":2136.385,"end":2137.0251,"sentiment":"neutral","sentiment_score":0.08835409084955852}],"sentiment":"neutral","sentiment_score":0.10214955555513883,"channel":0,"num_words":39,"start":2119.0,"end":2137.0251},{"sentences":[{"text":"Yes.","start":2136.87,"end":2137.37,"sentiment":"neutral","sentiment_score":0.2230239361524582}],"sentiment":"neutral","sentiment_score":0.2230239361524582,"channel":1,"num_words":1,"start":2136.87,"end":2137.37},{"sentences":[{"text":"be able to fully pay off the house","start":2137.0251,"end":2138.725,"sentiment":"neutral","sentiment_score":0.269655779004097}],"sentiment":"neutral","sentiment_score":0.269655779004097,"channel":0,"num_words":8,"start":2137.0251,"end":2138.725},{"sentences":[{"text":"Mhmm.","start":2139.27,"end":2139.77,"sentiment":"neutral","sentiment_score":0.12432507425546646}],"sentiment":"neutral","sentiment_score":0.12432507425546646,"channel":1,"num_words":1,"start":2139.27,"end":2139.77},{"sentences":[{"text":"and still 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11¢.","start":2241.7651,"end":2244.585,"sentiment":"neutral","sentiment_score":-0.010520787288745245}],"sentiment":"neutral","sentiment_score":-0.010520787288745245,"channel":0,"num_words":4,"start":2241.7651,"end":2244.585},{"sentences":[{"text":"11¢.","start":2245.99,"end":2246.97},{"text":"Okay.","start":2248.55,"end":2249.05,"sentiment":"neutral","sentiment_score":-0.0877980962395668},{"text":"So maybe we should reduce that.","start":2250.07,"end":2252.01,"sentiment":"neutral","sentiment_score":-0.22731355329354605},{"text":"Mhmm.","start":2252.445,"end":2252.945,"sentiment":"neutral","sentiment_score":-0.04527778550982475}],"sentiment":"neutral","sentiment_score":-0.18711965018883348,"channel":1,"num_words":9,"start":2245.99,"end":2252.945},{"sentences":[{"text":"So the biggest question I have is, if something happened to you 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realistically,","start":2294.915,"end":2297.095,"sentiment":"neutral","sentiment_score":0.10397930815815926}],"sentiment":"neutral","sentiment_score":0.10194913723639079,"channel":0,"num_words":7,"start":2294.435,"end":2297.095},{"sentences":[{"text":"yeah.","start":2297.1199,"end":2297.6199,"sentiment":"neutral","sentiment_score":0.04188874736428261}],"sentiment":"neutral","sentiment_score":0.04188874736428261,"channel":1,"num_words":1,"start":2297.1199,"end":2297.6199},{"sentences":[{"text":"the mortgage is if the mortgage is covered, any extra money is just kind of extra on top.","start":2297.315,"end":2305.715,"sentiment":"neutral","sentiment_score":-0.08346399809751245},{"text":"So it's now a question of what do we want to have.","start":2305.715,"end":2309.335,"sentiment":"neutral","sentiment_score":-0.0669785172988971},{"text":"Realistically, I always recommend at least an extra 200,000 specifically if we have a TPD event, total permanent disability, just in","start":2309.9302,"end":2317.53,"sentiment":"neutral","sentiment_score":0.07547411730601675}],"sentiment":"neutral","sentiment_score":-0.014139955096385059,"channel":0,"num_words":51,"start":2297.315,"end":2317.53},{"sentences":[{"text":"Yeah.","start":2317.515,"end":2318.015,"sentiment":"neutral","sentiment_score":-0.02092884480953217}],"sentiment":"neutral","sentiment_score":-0.02092884480953217,"channel":1,"num_words":1,"start":2317.515,"end":2318.015},{"sentences":[{"text":"case any renovations need to happen, the medical costs of of anything that happens in that total impairment disabled space.","start":2317.53,"end":2324.11,"sentiment":"neutral","sentiment_score":-0.11357623673975467},{"text":"So that would bring us to basically $900,000 there.","start":2326.865,"end":2330.485,"sentiment":"neutral","sentiment_score":0.00002238609724574619}],"sentiment":"neutral","sentiment_score":-0.07832149172137523,"channel":0,"num_words":29,"start":2317.53,"end":2330.485},{"sentences":[{"text":"Yeah.","start":2330.22,"end":2330.72,"sentiment":"neutral","sentiment_score":0.05638720840215683},{"text":"Mhmm.","start":2331.02,"end":2331.52,"sentiment":"neutral","sentiment_score":0.04628010839223862}],"sentiment":"neutral","sentiment_score":0.05133365839719772,"channel":1,"num_words":2,"start":2330.22,"end":2331.52},{"sentences":[{"text":"But if we're at $900,000, you may as well go to mill purely and simply.","start":2331.905,"end":2335.345,"sentiment":"neutral","sentiment_score":-0.00257054561128219},{"text":"And the reason I say that is when you hit specific brackets, the cost actually comes down.","start":2335.345,"end":2340.5,"sentiment":"neutral","sentiment_score":0.02810271952629966},{"text":"So there's","start":2340.96,"end":2341.36,"sentiment":"neutral","sentiment_score":0.04985402897000313}],"sentiment":"neutral","sentiment_score":0.015849885462290225,"channel":0,"num_words":34,"start":2331.905,"end":2341.36},{"sentences":[{"text":"Yes.","start":2341.295,"end":2341.795,"sentiment":"neutral","sentiment_score":0.1151190549135208}],"sentiment":"neutral","sentiment_score":0.1151190549135208,"channel":1,"num_words":1,"start":2341.295,"end":2341.795},{"sentences":[{"text":"been plenty of times where I look at, like, $9.50, but a mill is actually a million dollars is actually cheaper than 950.","start":2341.36,"end":2347.3,"sentiment":"neutral","sentiment_score":0.008640554976528105}],"sentiment":"neutral","sentiment_score":0.008640554976528105,"channel":0,"num_words":23,"start":2341.36,"end":2347.3},{"sentences":[{"text":"Yeah.","start":2347.41,"end":2347.91,"sentiment":"neutral","sentiment_score":-0.09520546346902849}],"sentiment":"neutral","sentiment_score":-0.09520546346902849,"channel":1,"num_words":1,"start":2347.41,"end":2347.91},{"sentences":[{"text":"Sounds counterintuitive,","start":2347.76,"end":2348.58,"sentiment":"neutral","sentiment_score":-0.21302831172943115}],"sentiment":"neutral","sentiment_score":-0.21302831172943115,"channel":0,"num_words":2,"start":2347.76,"end":2348.58},{"sentences":[{"text":"I'd say it's a 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yeah.","start":2350.13,"end":2352.15,"sentiment":"neutral","sentiment_score":-0.18829715996980667},{"text":"It is costing nearly $4.5.","start":2352.53,"end":2355.91,"sentiment":"neutral","sentiment_score":-0.18287144899368285},{"text":"How much would it cost to to bring it down to a million dollars?","start":2357.885,"end":2361.105,"sentiment":"neutral","sentiment_score":-0.05544128189129489}],"sentiment":"neutral","sentiment_score":-0.098434738637436,"channel":1,"num_words":21,"start":2350.13,"end":2361.105},{"sentences":[{"text":"Yeah.","start":2361.4548,"end":2361.9348,"sentiment":"neutral","sentiment_score":0.053037527948617935},{"text":"I'd have to quote that up, but","start":2361.9348,"end":2363.375,"sentiment":"neutral","sentiment_score":0.08976414054632187}],"sentiment":"neutral","sentiment_score":0.08517331397160888,"channel":0,"num_words":8,"start":2361.4548,"end":2363.375},{"sentences":[{"text":"25.","start":2363.2349,"end":2363.9849,"sentiment":"neutral","sentiment_score":0.11766456812620164}],"sentiment":"neutral","sentiment_score":0.11766456812620164,"channel":1,"num_words":1,"start":2363.2349,"end":2363.9849},{"sentences":[{"text":"I can quote it and I can select it to you in an email.","start":2363.375,"end":2366.115,"sentiment":"neutral","sentiment_score":0.14194132494074957},{"text":"And 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and","start":2366.68,"end":2375.08,"sentiment":"neutral","sentiment_score":0.08019211757238265}],"sentiment":"neutral","sentiment_score":0.08019211757238265,"channel":0,"num_words":27,"start":2366.68,"end":2375.08},{"sentences":[{"text":"Yeah.","start":2374.99,"end":2375.49,"sentiment":"neutral","sentiment_score":0.005102410446852446}],"sentiment":"neutral","sentiment_score":0.005102410446852446,"channel":1,"num_words":1,"start":2374.99,"end":2375.49},{"sentences":[{"text":"just kinda give you a couple of different options that way and show it.","start":2375.08,"end":2378.62,"sentiment":"neutral","sentiment_score":0.12802707616771972},{"text":"The other option is I can also go to market and see if there's any other providers that are cheaper because your policy is 2,023.","start":2379.32,"end":2389.395,"sentiment":"neutral","sentiment_score":0.08585002884268761},{"text":"So, I mean, it's only three no.","start":2389.695,"end":2391.375,"sentiment":"neutral","sentiment_score":-0.003331132233142853},{"text":"That's only three years old.","start":2391.375,"end":2392.65,"sentiment":"neutral","sentiment_score":-0.051572813838720324},{"text":"There shouldn't be anything that's cheaper, but I'll go and have a look anyway to see if there is.","start":2393.2898,"end":2398.8298,"sentiment":"neutral","sentiment_score":0.02273071322001909}],"sentiment":"neutral","sentiment_score":0.058419019196714675,"channel":0,"num_words":70,"start":2375.08,"end":2398.8298},{"sentences":[{"text":"But the painful part of that is going through all the medical questions and stuff like that again.","start":2399.21,"end":2403.2898,"sentiment":"neutral","sentiment_score":-0.32576791445414227},{"text":"So it's administrative.","start":2403.2898,"end":2404.19,"sentiment":"neutral","sentiment_score":-0.2760343849658966},{"text":"It's like an hour of your time.","start":2405.145,"end":2406.2651,"sentiment":"neutral","sentiment_score":-0.21697462030819484},{"text":"But if it's a decent savings, then, obviously, that's gonna be a better avenue.","start":2406.2651,"end":2411.0051,"sentiment":"neutral","sentiment_score":0.0029450689575501857}],"sentiment":"neutral","sentiment_score":-0.19451230932914076,"channel":0,"num_words":42,"start":2399.21,"end":2411.0051},{"sentences":[{"text":"Oh, 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do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in.","start":2419.885,"end":2425.905,"sentiment":"neutral","sentiment_score":0.1465163227915764}],"sentiment":"neutral","sentiment_score":0.14485840913322237,"channel":1,"num_words":27,"start":2419.325,"end":2425.905},{"sentences":[{"text":"Good.","start":2427.5398,"end":2428.0398,"sentiment":"positive","sentiment_score":0.344939649105072},{"text":"Yes.","start":2428.0999,"end":2428.5,"sentiment":"neutral","sentiment_score":0.276388943195343},{"text":"Absolutely.","start":2428.5,"end":2429.0,"sentiment":"neutral","sentiment_score":0.28250548243522644},{"text":"Because I looked early this 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lunch.","start":2442.835,"end":2444.04,"sentiment":"neutral","sentiment_score":0.04930185992270708}],"sentiment":"neutral","sentiment_score":0.027095431427436846,"channel":0,"num_words":27,"start":2435.715,"end":2444.04},{"sentences":[{"text":"No.","start":2444.795,"end":2445.295,"sentiment":"neutral","sentiment_score":-0.07846546173095703}],"sentiment":"neutral","sentiment_score":-0.07846546173095703,"channel":1,"num_words":1,"start":2444.795,"end":2445.295},{"sentences":[{"text":"No.","start":2446.76,"end":2447.0,"sentiment":"neutral","sentiment_score":-0.07348235696554184},{"text":"When you got booked into my calendar, I pulled up your file to have a look and took notes down.","start":2447.0,"end":2451.18,"sentiment":"neutral","sentiment_score":0.014067655429244041},{"text":"Because it's your super fund as well that doesn't have the nomination, so it's it's everything.","start":2451.48,"end":2455.74,"sentiment":"neutral","sentiment_score":0.031036135042086244},{"text":"It's not just the insurance policy.","start":2455.8801,"end":2457.4001,"sentiment":"neutral","sentiment_score":-0.011467141603740552},{"text":"It's the super fund as well.","start":2457.4001,"end":2458.6,"sentiment":"neutral","sentiment_score":0.08043068647384644}],"sentiment":"neutral","sentiment_score":0.02282102411251743,"channel":0,"num_words":49,"start":2446.76,"end":2458.6},{"sentences":[{"text":"So we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway.","start":2458.6,"end":2467.165,"sentiment":"neutral","sentiment_score":0.15137814615781492}],"sentiment":"neutral","sentiment_score":0.15137814615781492,"channel":0,"num_words":26,"start":2458.6,"end":2467.165},{"sentences":[{"text":"Perfect.","start":2467.685,"end":2468.0051,"sentiment":"positive","sentiment_score":0.5589180588722229},{"text":"Sounds like 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account.","start":2494.9248,"end":2507.1802,"sentiment":"neutral","sentiment_score":0.13131696526562014},{"text":"I'll go away and get all my research happening.","start":2507.8,"end":2510.06,"sentiment":"neutral","sentiment_score":0.15522647731833988},{"text":"And once it's all drawn up or once I have everything back, I'll I'll email you through, and we can schedule a time to go through the 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realistically, if it's two weeks, I'm not doing a good job good enough jobs.","start":2535.16,"end":2538.3,"sentiment":"neutral","sentiment_score":-0.22155627459287644},{"text":"So I'll yeah.","start":2539.96,"end":2540.84,"sentiment":"neutral","sentiment_score":-0.006319670627514522},{"text":"You'll have an email from me as soon as I basically get the quotes back from the insurers, which will that'll be the longest time as that that takes a couple of days to get that back.","start":2540.84,"end":2549.775,"sentiment":"neutral","sentiment_score":0.0515279737678734},{"text":"But, otherwise, we'll kind of go from there.","start":2550.015,"end":2552.835,"sentiment":"neutral","sentiment_score":0.027470913832075894}],"sentiment":"neutral","sentiment_score":-0.01930159985250424,"channel":0,"num_words":63,"start":2535.16,"end":2552.835},{"sentences":[{"text":"Awesome.","start":2553.1648,"end":2553.6648,"sentiment":"positive","sentiment_score":0.7796430587768555},{"text":"Brilliant champion.","start":2554.285,"end":2555.265,"sentiment":"positive","sentiment_score":0.8253410458564758}],"sentiment":"positive","sentiment_score":0.8101083834966024,"channel":1,"num_words":3,"start":2553.1648,"end":2555.265},{"sentences":[{"text":"Amazing.","start":2555.055,"end":2555.555,"sentiment":"positive","sentiment_score":0.8391066789627075}],"sentiment":"positive","sentiment_score":0.8391066789627075,"channel":0,"num_words":1,"start":2555.055,"end":2555.555},{"sentences":[{"text":"Thanks.","start":2556.045,"end":2556.4448,"sentiment":"positive","sentiment_score":0.8007240295410156},{"text":"Bye bye.","start":2556.4448,"end":2557.1848,"sentiment":"positive","sentiment_score":0.5117918848991394}],"sentiment":"positive","sentiment_score":0.6081025997797648,"channel":1,"num_words":3,"start":2556.045,"end":2557.1848},{"sentences":[{"text":"No stress at all, Raffy.","start":2558.57,"end":2559.93,"sentiment":"positive","sentiment_score":0.5423591732978821},{"text":"You have a good night.","start":2559.93,"end":2560.9102,"sentiment":"positive","sentiment_score":0.7608498096466064}],"sentiment":"positive","sentiment_score":0.6516044914722443,"channel":0,"num_words":10,"start":2558.57,"end":2560.9102},{"sentences":[{"text":"You too.","start":2561.005,"end":2561.4849,"sentiment":"positive","sentiment_score":0.5649128258228302},{"text":"Thanks so much.","start":2561.4849,"end":2562.2048,"sentiment":"positive","sentiment_score":0.8339157104492188},{"text":"Good luck with the young one.","start":2562.2048,"end":2563.585,"sentiment":"positive","sentiment_score":0.7700903415679932}],"sentiment":"positive","sentiment_score":0.750192257491025,"channel":1,"num_words":11,"start":2561.005,"end":2563.585},{"sentences":[{"text":"Oh, yeah.","start":2564.33,"end":2565.45,"sentiment":"positive","sentiment_score":0.34878140687942505},{"text":"Thanks.","start":2565.45,"end":2565.95,"sentiment":"positive","sentiment_score":0.6213014721870422}],"sentiment":"positive","sentiment_score":0.4396214286486308,"channel":0,"num_words":3,"start":2564.33,"end":2565.95},{"sentences":[{"text":"Cheers.","start":2567.583,"end":2568.083,"sentiment":"positive","sentiment_score":0.5713934898376465},{"text":"Speak soon.","start":2568.703,"end":2569.4429,"sentiment":"neutral","sentiment_score":0.31489139795303345}],"sentiment":"positive","sentiment_score":0.4003920952479045,"channel":1,"num_words":3,"start":2567.583,"end":2569.4429},{"sentences":[{"text":"Will do.","start":2570.01,"end":2570.6501,"sentiment":"neutral","sentiment_score":0.31500814855098724},{"text":"Bye.","start":2570.6501,"end":2571.1501,"sentiment":"neutral","sentiment_score":0.19168806076049805}],"sentiment":"neutral","sentiment_score":0.27390145262082416,"channel":0,"num_words":3,"start":2570.01,"end":2571.1501},{"sentences":[{"text":"Bye.","start":2571.583,"end":2572.083,"sentiment":"neutral","sentiment_score":-0.06652511656284332}],"sentiment":"neutral","sentiment_score":-0.06652511656284332,"channel":1,"num_words":1,"start":2571.583,"end":2572.083}]},"summary":{"result":"success","short":"Representatives from HP Financial speak with customers to discuss their financial information and update their files. They emphasize the importance of risk management and the use of home for other assets. The speakers also discuss budget and retirement plans, potential wealth transfer, and regulations on insurance policies. They suggest reducing the mortgage to a cost of around $900 and potentially removing certain expenses from the policy. The representatives also mention the possibility of working on a statement of advice and updating client services agreements."},"intents":{"segments":[{"text":"Your name and reason for calling. I'll see if this person is available. Larissa, Earthview Financial.","start_word":1,"end_word":16,"intents":[{"intent":"Obtain call details","confidence_score":0.00003074375}]},{"text":"First and foremost, it's always good for me to update my files because that obviously kind of rings whether there's any major issues or or major changes in your life that I'm not aware of or things that I need to know about Yep.","start_word":314,"end_word":357,"intents":[{"intent":"Update files","confidence_score":0.77409816},{"intent":"Update information","confidence_score":0.001038002}]},{"text":"Like, do you utilize your offset as basically the account that holds all of your money and then you live out of your offset, or how do you actually structure it?","start_word":644,"end_word":674,"intents":[{"intent":"Understand account structure","confidence_score":0.025431195}]},{"text":"It might just be a phone call that you could just make as well. Yeah.","start_word":766,"end_word":780,"intents":[{"intent":"Make phone call","confidence_score":0.015376521}]},{"text":"It shouldn't be that hard. You wouldn't imagine. No.","start_word":782,"end_word":790,"intents":[{"intent":"Express frustration","confidence_score":0.00031377125}]},{"text":"Do you know how much the the company has? In assets?","start_word":860,"end_word":870,"intents":[{"intent":"Explain company's assets","confidence_score":0.0005947587}]},{"text":"Do you know how much the the company has? In assets? Yeah. In asset. Like, in intangible assets. Now I see well, I'm paying the car off. Does that does that count the whole amount or just what you pay off? Or No. Count it, and then we'll you can let know what the liabilities are. Okay.","start_word":860,"end_word":916,"intents":[{"intent":"Clarify company's liabilities","confidence_score":0.019909002}]},{"text":"Now I see well, I'm paying the car off. Does that does that count the whole amount or just what you pay off? Or No.","start_word":878,"end_word":902,"intents":[{"intent":"Inquire about car payment","confidence_score":0.0019181194}]},{"text":"Well, if you can put it through the deep shoot us her details, and we'll get on tour. And and, yeah, I'll speak to Jade first for her decision as well. Yeah.","start_word":1448,"end_word":1479,"intents":[{"intent":"Speak to jade for decision","confidence_score":0.00015911368}]},{"text":"When it comes to risk with any form of investing, there's there's different ways to look at it. Now there is how much of your money is actually invested in one individual, like, realm. So with your superannuation, that's obviously an investment vehicle, but then you've also got your personal self as well. Yep.","start_word":1652,"end_word":1705,"intents":[{"intent":"Analyze investment performance","confidence_score":0.0032806145}]},{"text":"because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them.","start_word":1970,"end_word":2035,"intents":[{"intent":"Describe asset performance and investment portfolios","confidence_score":4.532273e-8},{"intent":"Ask for financial guidance","confidence_score":0.000008114381}]},{"text":"We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart.","start_word":2035,"end_word":2054,"intents":[{"intent":"Assure investment managers","confidence_score":0.00007665233}]},{"text":"So, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you.","start_word":2289,"end_word":2326,"intents":[{"intent":"Express desire for strategic investments","confidence_score":2.1851571e-8}]},{"text":"But it does come down to what style of investor you are.","start_word":2344,"end_word":2355,"intents":[{"intent":"Discuss investing style","confidence_score":0.019114878}]},{"text":"And, yeah, I think you you can't be too risk averse, can you? If you risk averse, you you really don't move forward too quickly. If any of the what if if at all, really. So I think Yeah.","start_word":2469,"end_word":2507,"intents":[{"intent":"Evaluate risk aversion","confidence_score":0.011156131}]},{"text":"The other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing. So it's called a bank hybrid. The the government are are literally fit phasing them out by Okay.","start_word":2547,"end_word":2584,"intents":[{"intent":"Evaluate government legislation","confidence_score":0.007833703}]},{"text":"So a banking hybrid is basically where you have bank asset held trying to explain it in yeah. Sorry.","start_word":2637,"end_word":2655,"intents":[{"intent":"Discuss bank hybrid","confidence_score":0.4607497}]},{"text":"So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them. Yeah. Yeah.","start_word":2657,"end_word":2719,"intents":[{"intent":"Analyze security system","confidence_score":0.04811557}]},{"text":"But I do need to know what it is that you're wanting to get out of the investments, where your goals align to, and what you're ultimately hoping to achieve moving forward that's going to enable me to make sure that any investment recommendations I make, whether they're super aggressive or not, align to those goals and that we're able to achieve what you're wanting to achieve.","start_word":3083,"end_word":3149,"intents":[{"intent":"Optimize portfolio","confidence_score":0.000046328234}]},{"text":"that that's the goal is to basically, you know, retire and not have to go too have too high tight a budget, really. Perfect.","start_word":3303,"end_word":3326,"intents":[{"intent":"Discuss budget","confidence_score":0.06468208}]},{"text":"So currently, you earn a 130 a year.","start_word":3344,"end_word":3351,"intents":[{"intent":"Discuss income","confidence_score":0.021189382}]},{"text":"So as far as we do have savings on the side, but they're not like well, they're Huge.","start_word":3445,"end_word":3462,"intents":[{"intent":"Discuss savings","confidence_score":0.6985977}]},{"text":"So with your superannuation fund, do you wanna look at because, like, I I know you put we we, you know, we've made that large deposit in in the in the June, but, you know, couple grand. Do Yes.","start_word":3519,"end_word":3557,"intents":[{"intent":"Discuss superannuation fund","confidence_score":0.22421944}]},{"text":"Because what happens is dollar cost averaging, if the more regular you put money in because you're buying different segments of the market, it enables you to buy let me use my favorite analogy. It's building a house.","start_word":3599,"end_word":3636,"intents":[{"intent":"Discuss dollar cost averaging","confidence_score":0.044303637}]},{"text":"But I could make some recommendations around tax saving and what it would do for you and how much you could salary sacrifice regularly to help.","start_word":3967,"end_word":3992,"intents":[{"intent":"Express recommendation for tax saving","confidence_score":0.000004078139}]},{"text":"So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice.","start_word":4396,"end_word":4447,"intents":[{"intent":"Get statement of advice","confidence_score":0.0004980403}]},{"text":"So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice. Mhmm.","start_word":4396,"end_word":4448,"intents":[{"intent":"Review portfolio","confidence_score":0.043223985}]},{"text":"Now, generally, I'd like to have, like, a at least five or ten minute phone call with you after I've drawn it all up. I obviously don't have it at hand today. But for me to be able to draw it all up and go through from there. I know, Sebi, said you were unavailable for a couple of weeks. Yeah.","start_word":4449,"end_word":4509,"intents":[{"intent":"Schedule call","confidence_score":0.62643814}]},{"text":"So there could be a lost uncle or a mate or a mate that said, yeah. He owed me $50. Yeah.","start_word":4961,"end_word":4981,"intents":[{"intent":"Discuss financial benefits","confidence_score":0.00016832455}]},{"text":"The super funds don't do it anymore. They actually just default straight through to your estate, which means if you have a will in place, the will takes over.","start_word":4981,"end_word":5009,"intents":[{"intent":"Resolve super fund default","confidence_score":0.0026658007}]},{"text":"If you don't have a will in place, there's actually very specific regulations that happen per state.","start_word":5052,"end_word":5068,"intents":[{"intent":"Discuss specific regulations and benefits","confidence_score":0.000015155603}]},{"text":"We're looking versus your wife. And, realistically, from the superannuation to perspective, your spouse is a tax dependent. Your spouse will always receive the benefit tax free. Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement. And your insurance policy is 1.34 mil and change. Yeah.","start_word":5208,"end_word":5278,"intents":[{"intent":"Discuss tax dependent policy","confidence_score":0.0018593672}]},{"text":"So you can give it to me retrospective just to give me a try. Here you go.","start_word":5309,"end_word":5325,"intents":[{"intent":"Retrospective policy","confidence_score":0.004191055}]},{"text":"Is that still an appropriate amount given your debt being 700,000?","start_word":5357,"end_word":5367,"intents":[{"intent":"Assess debt level","confidence_score":0.00040390293}]},{"text":"Plus, So don't forget, the tools and the business can be sold down because you are the business. yeah.","start_word":5417,"end_word":5435,"intents":[{"intent":"Sell tools","confidence_score":0.1073459}]},{"text":"So you you think that's probably a bit too excessive?","start_word":5436,"end_word":5445,"intents":[{"intent":"Consider financial considerations","confidence_score":0.00042412154}]},{"text":"currently, the policy is costing $4,313.11 a year.","start_word":5641,"end_word":5648,"intents":[{"intent":"Explain policy cost","confidence_score":0.006290947}]},{"text":"So does your wage pay just the mortgage, or does your wage also go towards other living expenses? And what are those living expenses?","start_word":5708,"end_word":5731,"intents":[{"intent":"Calculate wage payment and living expenses","confidence_score":0.000031709937}]},{"text":"So I'll have a look at at all of it, and we can Mhmm. kinda go from there on that front. Okay? No worries. And when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in. Good.","start_word":6129,"end_word":6178,"intents":[{"intent":"Schedule meeting","confidence_score":0.000040767212}]},{"text":"And when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in. Good. Yes.","start_word":6153,"end_word":6179,"intents":[{"intent":"Finalize paperwork","confidence_score":0.63056344}]},{"text":"Because I looked early this morning. Sorry? I I was looking earlier today. I I'm one of those crazy people that, you know, don't take a lunch break. So you have a working lunch. No.","start_word":6181,"end_word":6215,"intents":[{"intent":"Delegate work","confidence_score":0.0001608391}]},{"text":"So we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway. Perfect.","start_word":6265,"end_word":6291,"intents":[{"intent":"Process recommendations","confidence_score":0.0019655384}]},{"text":"I do have some documents that I have failed to send you while we were talking, but they're just basically informative for you. Yes.","start_word":6311,"end_word":6334,"intents":[{"intent":"Provide information","confidence_score":0.046293546}]}]},"sentiments":{"segments":[{"text":"Your name and reason for calling. I'll see if this person is available. Larissa, Earthview Financial.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.028728052973747253},{"text":"Thanks.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.4829767346382141},{"text":"Please stay on the line. Hello. Russ speaking. Hi. Rafael Lovitza from HP Financial. How are you going?","start_word":17,"end_word":34,"sentiment":"neutral","sentiment_score":0.18927520513534543},{"text":"I'm well.","start_word":35,"end_word":36,"sentiment":"positive","sentiment_score":0.3684486150741577},{"text":"How are you? Yeah.","start_word":37,"end_word":40,"sentiment":"neutral","sentiment_score":0.24739216268062592},{"text":"Good.","start_word":41,"end_word":41,"sentiment":"positive","sentiment_score":0.4433265328407288},{"text":"Good. Long time no speak. You Yeah. know, It's been few a while. weeks. You've been keeping well? Yeah. Not too bad. How was your end of financial year? Oh, mate.","start_word":42,"end_word":72,"sentiment":"neutral","sentiment_score":0.12052561342716216},{"text":"It's exciting as they get, I I guess.","start_word":73,"end_word":80,"sentiment":"positive","sentiment_score":0.4533102214336395},{"text":"You know? Right? It never You know? get better.","start_word":81,"end_word":89,"sentiment":"neutral","sentiment_score":0.10347984731197356},{"text":"Just hey. You know, the tax man always wins. He's the real winner.","start_word":90,"end_word":102,"sentiment":"positive","sentiment_score":0.4498896598815918},{"text":"Oh, I know. I I my accountant literally sat down with me, and we went through everything. And then I sat there and went, are you sure you sure we have to do this? Yeah. Yeah. Can we just scrub that? Yeah. Okay. No. It's all part Forget of the about it. Yeah. It is it is what it is. That's right. Always the way. The track may make his dollar. Yeah. Yeah. That's exactly right. Sorry. What have we got? Well, the reasons well, I mean, you spoke to Sandy this morning or earlier today. And, ultimately, the reason for, I guess, the call is to go through and review everything and have a chat, see if there's any changes that we may need to make, and, ultimately, update my files as well and kinda go from there. Before I do jump Mhmm. into it too far, I do need to let you know that our calls are recorded and if I could get you confirmed security for me. So it's just full name, date of birth, address. It's Rafael Morfe. Twenty eighth to the seventh nineteen seventy seven. It's 54 Kevin Avenue, Avalon Beach 2107. Perfect. Okay. So there's a couple of things that I generally go through. First and foremost, it's always good for me to update my files because that obviously kind of rings whether there's any major issues or or major changes in your life that I'm not aware of or things that I need to know about Yep. that might have changed for your your position overall. So I'll go through all of that, but I guess is there anything that you can think of off the top of your head that I might need to done? No.","start_word":103,"end_word":396,"sentiment":"neutral","sentiment_score":0.03381418037627425},{"text":"No. I still haven't won the lottery.","start_word":397,"end_word":403,"sentiment":"negative","sentiment_score":-0.41620954871177673},{"text":"Yeah. Nothing else. I'm told. Everything else is just plopping along. Yeah. Yeah. We need Perfect.","start_word":404,"end_word":419,"sentiment":"neutral","sentiment_score":-0.06042265146970749},{"text":"to start to be nice.","start_word":420,"end_word":424,"sentiment":"positive","sentiment_score":0.4403477609157562},{"text":"Oh, wouldn't it? I'm still waiting for mine too, unfortunately. Yeah. It's like that. No. So, That's yeah, nothing's nothing's really changed. alright. Well, I will quick split through everything, and Okay. you can kind of hit the nail on Okay. the head a bit if anything. So I've got you de facto, and I've got Jade Yep. as your, like, Mexican. In terms of income, I've got about 130,000 a year income wise. Yep.","start_word":425,"end_word":499,"sentiment":"neutral","sentiment_score":-0.02360386773943901},{"text":"Pretty sure that's Perfect.","start_word":500,"end_word":503,"sentiment":"positive","sentiment_score":0.39674827456474304},{"text":"still open. Still that. Saving. And we expect to get that for this financial year as well? Yeah. Cool. And then asset wise, I've got our PPR or our our home. That 2.6 value, about 760 owing. Yeah. Well, house prices have dropped a little bit. Not sure how much it dropped by, but they'd say probably about $200, I reckon, around here. Yep. Okay. So still around that milli, 2.5 millish area? Yeah. Yep. Okay. And do you know the rough value of the loan? Yes. Around 700, I think. Cool. Alright.","start_word":504,"end_word":596,"sentiment":"neutral","sentiment_score":0.06243539974093437},{"text":"Perfect.","start_word":597,"end_word":597,"sentiment":"positive","sentiment_score":0.3634248971939087},{"text":"And then I have a boat, a motorbike, 20,000 for the boat, roughly 10 for the motorbike in value. No debts on either of those, and we've got an offset account previously $5. Obviously, that fluctuates. So Yeah. Yeah. do you use your offset regularly? Like, do you utilize your offset as basically the account that holds all of your money and then you live out of your offset, or how do you actually structure it? Actually, at the moment, that's that's stopped for some reason. So we've got a I've got my savings my other savings as an offset. And the other one was I've gotta go back to the bank and reset it because they took it off for what I'm not sure what happened there. But Oh, okay. so I've gotta, yeah, go back and sort that out again. Okay.","start_word":598,"end_word":740,"sentiment":"neutral","sentiment_score":-0.03122938304514318},{"text":"Well, pretty good push to go and do it then.","start_word":741,"end_word":750,"sentiment":"positive","sentiment_score":0.5611907839775085},{"text":"Yeah. I I totally forgot about it till you just mentioned it. That's okay. Alright. It might just be a phone call that you could just make as well. Yeah. Yeah. It shouldn't be that hard. You wouldn't imagine. No. I mean, they're banks, so sometimes. Yeah. That's true. Thanks for Now doing are well. there are there any other assets that you have at all? Like, I'm missing a car if we have one. Oh, well, it's oh, Jesus. No. That's under the company name. Yep. Cool. Yeah. Nothing like that. Okay. Yeah. So all all the other assets are all underneath the company, under that umbrella. Yeah. Do you know how much the the company has? In assets? Yeah. In asset. Like, in intangible assets. Now I see well, I'm paying the car off. Does that does that count the whole amount or just what you pay off? Or No. Count it, and then we'll you can let know what the liabilities are. Okay. So it'd be with the tools probably a 120,000, Yeah. 130, something like that. Probably a little bit more, but that's that's probably being conservative. When you no. When you add it all up, then you you shake your head and wonder how you did that. Yeah. Oh, no. Don't don't don't you worry. I'm mechanic's daughter, so I see how expensive those things get pretty quick. Yeah. Yeah. I was a mechanic too, so I know how they go. Yep. Snap on comes for a trip and oh, I might have three of those, but I'll get another one. Yeah. Yeah. That's what happens. Buddy snap on. I know. Oh, you're right. And what liability since it does a business card that it currently has? Just me, really? It's Biggest not the small. live yeah. It really doesn't have too much in the way of liabilities. The car's on finance. Well, no. I borrowed the money through my parents. So Okay. So it's definitely I've been yeah. Oh, So it's just personal family. loan, no interest. So that worked Yep. out well. But, yeah, that's that's it. That's pretty much it. Everything else is is down outright.","start_word":751,"end_word":1114,"sentiment":"neutral","sentiment_score":0.00763297293355668},{"text":"That's perfect. Amazing.","start_word":1115,"end_word":1117,"sentiment":"positive","sentiment_score":0.6610768437385559},{"text":"And just, curiously, with the house, is that house purely in your name, or is that between you and your partner? Between me and Jive. Yep.","start_word":1118,"end_word":1143,"sentiment":"neutral","sentiment_score":0.04568137228488922},{"text":"Cool. Perfect. And amazing.","start_word":1144,"end_word":1147,"sentiment":"positive","sentiment_score":0.5036746263504028},{"text":"Alright. Cool. Alright. And do you know when the last time you had a look at the mortgage on the property was? Was it I I believe I know I know that you sorta had a look at it sometime early twenty twenty four. Have you had a look at it since then? No. No. No. So what in the way of going to the bank and talking to them about interest and all that? Is that what you're sort of Yeah. saying? Or Yeah. Seeing whether whether your bank is still providing you the best, like, it's probably interest rate. yeah. It's probably something we do need to revisit. Yeah. Trust me. I know it's an absolute pain, but I personally don't have a look at my loan every it's more like eighteen months, not twelve months, but I just Yeah. talk to my broker and go through the absolute painful paperwork. Yes. And sometimes it's a, yep. Nope. The one you're with is still good. And other times, it's nope. Let's flip the loan and go somewhere else because I can save a few points on the interest rate or pay less Yep. monthly fees, whatever the case may be.","start_word":1148,"end_word":1349,"sentiment":"neutral","sentiment_score":-0.03141017789297765},{"text":"It ends up way better than a lot of them.","start_word":1350,"end_word":1359,"sentiment":"positive","sentiment_score":0.39860376715660095},{"text":"Yeah. Well, maybe we've got a we might have to find a Broker? a Yeah. If you like, I can connect you with, like, our broker. Like, I'm obviously burger. not a broker, Mhmm.","start_word":1360,"end_word":1393,"sentiment":"neutral","sentiment_score":0.08646918088197708},{"text":"but I can definitely connect you with our broker, Brooke. She's fantastic. I send my clients through her. We get no kickbacks or anything like that. The only reason I use her is because she's been able to do great work with me, the staff I have, and, obviously, clients as well.","start_word":1394,"end_word":1445,"sentiment":"positive","sentiment_score":0.592073917388916},{"text":"Yeah. Yeah. Well, if you can put it through the deep shoot us her details, and we'll get on tour. And and, yeah, I'll speak to Jade first for her decision as well. Yeah. Absolutely. Okay. We'll go with that and have a look. Can't hear it. The the worst happen the worst the worst thing that happens is she turns around and says the provider you currently have is doing the best job. Yeah. Yeah. Like, peace of mind and go from there. But sometimes it's just a matter of, you know, a reminder of the, you know, offset accounts or a little bit of a restructure, changing how you're running things, and she absolutely loves giving those kinda ad hoc tidbits to help out as well. Yeah. Yeah. Cool.","start_word":1446,"end_word":1576,"sentiment":"neutral","sentiment_score":0.13301457464694977},{"text":"I want the joys of all this finance stuff.","start_word":1577,"end_word":1585,"sentiment":"positive","sentiment_score":0.345173180103302},{"text":"I know. The things they don't teach. Yeah. That Oh, absolutely. Absolutely. Now with where one. you're at, I know that, like, previously, you've always been Mhmm. not a really aggressive investor. You've been kind of up there on a scale. You know, it was sort of a scale of one to five. Yeah. You're sitting at kind of a four, three and a half full. When it comes to risk with any form of investing, there's there's different ways to look at it. Now there is how much of your money is actually invested in one individual, like, realm. So with your superannuation, that's obviously an investment vehicle, but then you've also got your personal self as well. Yep. And you can segment the two, but, ultimately, you need to look at overarchingly. Now, personally, based on the assets you have, obviously, you have a lot of brick orientated assets. Obviously, you you still have liquid money that obviously goes through the bank and that pays the bills and it does everything you need to do. Yeah. But, really, your biggest asset is sitting in your in your in your home. Yeah. Yeah. Aside from that, we obviously have your superannuation fund, and how that's invested as an individual asset does kind of does kind of, I guess, decide or dictate the future. Now percentage wise, how it's invested is important because you wanna know like, we need to sort of, I guess, make sure that we're having a balancing act between assets invested in the market, but also making sure that we're not taking on too much risk with those assets on the market. We wanna have that here. Let me backtrack. So investor risk profiles basically dictate what percentage of your funds are on the market and what percentage of funds are held defensively. Now defensive assets are still generally on market because you've got cash, you've got fixed interest, you've got bonds. Fixed interest and bond assets are still technically market valued assets, but there's less risk associated with them. Yes. Now when you when or if you look at underlying assets, what we always wanna do is we wanna look at how those assets are gonna track against the market, what actual underlying risk they have. Just Yes. because, say, we put a 100% of your money on the market and buy stocks and shares and bonds and fixed interest doesn't mean that you are aggressively, aggressively invested because we wanna make sure that we're not going and buying assets or buying stocks or buying companies that are really volatile, that are brand new to market, that hold a lot of risk to them. We obviously wanna work with asset managers that are gonna benefit you and that have our client's interest at heart. Now the assets that you have currently are doing that, but I can also see that we could make some tweaks and changes because the market changes and the economic environment changes. And crazy enough, the political environment very aggressively changes currently. Yes. And that has an effect on some of the assets that we hold.","start_word":1586,"end_word":2110,"sentiment":"neutral","sentiment_score":0.03757976327180153},{"text":"Now with superannuation funds, Hub twenty four gives us a much greater investment manager than what others do. Yes. And, ultimately speaking, majority of your funds are doing really well.","start_word":2111,"end_word":2140,"sentiment":"positive","sentiment_score":0.4587803781032562},{"text":"So if, like, if you if you can log on or if you ever do log on, you'd see that you have quite a number of, like, Australian listed securities that are performing really well. You do have one of your managed funds, which is a an Australian equity fund. And the equities fund, while it has previously performed extremely well, like, gangbustersly well, Yeah. it took a bit of a dive. And while we did originally have some pretty decent belief in the fact that that that asset could turn around, it hasn't we've met with Benelon was the investment manager. We've met with Benelon. They're refusing to change their stance on how they invest within the fund. They are what's called a high conviction fund. So, basically, they stand behind their assets, and the assets just aren't pulling up their socks, to put it frank. Yeah. So, ultimately speaking, I would realistically like to maneuver out of that asset specifically, but I wanna do it in a way that we can get good return moving forward and possibly even make things cheaper for you. Because all of your assets cost money, they they have do have investment fees associated with them. But it does come down to what style of investor you are. So while there's the risk profile that I kinda went through, which is how much money is on the versus defensively, there's also two styles of investors. So you can be someone who is happy to have a cheaper asset to track and slightly outperform the market, or we can look at having slightly more expensive assets, which is called active management, to outperform the market more aggressively. Yeah. What, I guess, is your overall stance when it does come to investing in that realm? Well, look, long term because I still look, I've only just turned 49. Still So have I plenty still of got time. a still got a few years. And, yeah, I think you you can't be too risk averse, can you?","start_word":2141,"end_word":2481,"sentiment":"neutral","sentiment_score":0.06273951161314141},{"text":"If you risk averse, you you really don't move forward too quickly.","start_word":2482,"end_word":2493,"sentiment":"negative","sentiment_score":-0.4320765137672424},{"text":"If any of the what if if at all, really. So I think Yeah. what you're saying makes more sense. Cool. So what what I what I can do and what I wanna do is there's one fund I definitely definitely wanna move out of, and that's the been a long fund. Mhmm. The other one, while I'm not unhappy with it, government legislation's changed, and they're phasing out this style of investing. So it's called a bank hybrid. The the government are are literally fit phasing them out by Okay. 2032, if memory serves, to be completely frank. Yeah. I think it's 2032, 2029, somewhere around there. It's a few years off anyway.","start_word":2494,"end_word":2607,"sentiment":"neutral","sentiment_score":-0.0808057188987732},{"text":"They're all gonna be phased out, which means that that asset's not gonna exist anymore. So it makes no sense to continue holding.","start_word":2608,"end_word":2630,"sentiment":"negative","sentiment_score":-0.4308817386627197},{"text":"Sorry? So I no. That's okay. So a banking hybrid is basically where you have bank asset held trying to explain it in yeah. Sorry. So so it's it's basically it's a it's a it's like a it's a security system where banks and companies are able to borrow money from investors, and then enables basically, you give your money to the bank, the bank goes and invests, and then you get, like, a guaranteed x amount of return for the money that you've given them. Yeah. Yeah. So it's still much like a long term. Like a term deposit, basically. Yeah. Not quite. Like, that's really simplifying it, but, essentially, very similar to how a term deposit kinda works. Yeah. Yeah. Yeah. It's it's almost like a fixed interest term deposit, shares, equity, all wrapped up into one. Yeah. Right. Okay. I can get you. Yeah. But the government's phasing out banking hybrids because legislation changes have kind of happened, and and it's APRA, which is the, like, Australian financial regulator or one of, have have determined that those funds need to be reallocated. So, basically, within the next I believe I right. I'm pretty sure it is 2032. Is it within the next sort of, you know, whatever that is, five or six years, it's something like $30,000,000,000 that sits under banking hybrids will need to move out of banking hybrids and be reallocated. Yes. So, realistically, because over the next five years, they're going to have to be pushed out because it's being phased out, if we don't make a move now, but if we just allow it to be phased out organically, there's every chance that the asset price actually starts taking a dive within the next few years because they are phased out products, and everyone's gonna start selling out of them. So while the price is high, we'd rather take that do that sell now rather than Yeah. waiting a few years and just letting it ride organically. Because if we if we do a letter ride organically, what's gonna happen is anyone who holds that asset will automatically be transferred over to another asset and or depending on the platform that you hold your money with, it'll just liquidate down to cash and you'll hold cash only. Not something we really wanna do in that phase. Specifically, we wanna stay invested on the market. Yeah. So make a move now. I reckon we dump them. Yeah. I agree. So so what I wanna do from what I wanna do from your superannuation side is now I guess that I have those little bit of tidbit informational parts, is I can go and redo your portfolio.","start_word":2631,"end_word":3082,"sentiment":"neutral","sentiment_score":0.004478867272887609},{"text":"But I do need to know what it is that you're wanting to get out of the investments, where your goals align to, and what you're ultimately hoping to achieve moving forward that's going to enable me to make sure that any investment recommendations I make, whether they're super aggressive or not, align to those goals and that we're able to achieve what you're wanting to achieve.","start_word":3083,"end_word":3149,"sentiment":"positive","sentiment_score":0.4214809834957123},{"text":"I know that you wanna pay down the mortgage personally. I know that, you know, you did previously look at wanting to maybe move into investment properties in the past, whether that's still a goal that you're wanting to move towards. Yeah. But No. what else is there, if anything? I'll look at it. It's really just using those investments that you're talking about and building Mhmm. up, like, a super. I think I've yeah. I just recently put in extra Yep. You did. two I and helped a half. you. Oops. I Yeah. That's I sent right. you the yep. Details, and I sent you the receipt, and I Thank you. So, that's yeah, okay. just trying to build it up and get ready for a time because in reality, it's hopefully not that far away, like fifteen years. So Yeah. they'll change it, and it'll be twenty years. But Yeah. that that's the goal is to basically, you know, retire and not have to go too have too high tight a budget, really.","start_word":3150,"end_word":3324,"sentiment":"neutral","sentiment_score":0.16655091268675667},{"text":"Perfect.","start_word":3325,"end_word":3325,"sentiment":"positive","sentiment_score":0.6471771001815796},{"text":"Nope.","start_word":3326,"end_word":3326,"sentiment":"neutral","sentiment_score":0.32879698276519775},{"text":"That's okay.","start_word":3327,"end_word":3328,"sentiment":"positive","sentiment_score":0.38277921080589294},{"text":"So let's talk about that. Let's talk about budget. Let's talk about where that fits. So currently, you earn a 130 a year. Mhmm. What do you actually live on? I'm not really broken down. I had a look at it. We we It's have always our a question I think that stumps people. it's we have our money in the in the account and pay off the mortgage and pay for food to to growing young boys or young men now. Yep. And they, you know, had a house and home. Oh, don't they ever? I've Yeah. got teenagers myself, and does the grocery bill hurt? Oh, yeah. So that's where we're at the moment. So as far as we do have savings on the side, but they're not like well, they're Huge. they're they we've got some more renovations that we're planning on doing, so we're gonna use it Yep. for that. So that's really where the spare cash is at the moment until we finish that project. And then after that, then we can put money aside for, well, more enjoyable things. Yeah. Well, may I ask? So with your superannuation fund, do you wanna look at because, like, I I know you put we we, you know, we've made that large deposit in in the in the June, but, you know, couple grand. Do Yes. you wanna look at doing something like that more regularly rather than just doing a quick, I guess, cash dump before end of financial year? We can sort of increase the contributions you make throughout the year to assist with yeah. Because what happens is dollar cost averaging, if the more regular you put money in because you're buying different segments of the market, it enables you to buy let me use my favorite analogy. It's building a house. So when you buy bricks, you might go to one brick retailer and the bricks are $3. And then you go to another brick retailer and the bricks are $2.50. Then you go to another brick retailer, and the bricks are, you know, $2. And all of those little bricks that you buy at different segments from all the different retailers Mhmm. all make up your home as a whole. Now the longer you hold those bricks, the brick value goes up and down depending on how the market's moving. Yes. And when you're selling, we obviously wanna sell from the from the bottom up. So instead of demolishing the house from the top down, you actually take from the bottom of the slab, and you sell those assets off because you've held them the longest. And they're the ones that, you know, capital gains is not gonna affect. And you wanna try and sell in a way that if you bought a brick for $2, you're selling it for $4. You're not gonna sell the brick that you bought for $5 for $4, if that makes Yes. sense.","start_word":3329,"end_word":3825,"sentiment":"neutral","sentiment_score":0.11607454654196618},{"text":"Yes. And the only way that that can happen is if we put money in more regularly. Now I know that you do put money in in regularly.","start_word":3826,"end_word":3853,"sentiment":"positive","sentiment_score":0.34586960077285767},{"text":"You know, you your your contributions come in quarterly, and and and that'll that'll land fine. But Yep.","start_word":3854,"end_word":3871,"sentiment":"neutral","sentiment_score":0.29091283679008484},{"text":"what we can do is we can increase those contributions on the quarterly or depending on how much you like your accountant and will wanna do it. You could even start making those contributions monthly or more regularly.","start_word":3872,"end_word":3909,"sentiment":"positive","sentiment_score":0.44964468479156494},{"text":"Payday super came in while you run your own business, so you're a little bit more withdrawn from that legislation because, you know, it's just yourself that you're kind of affecting. Yes.","start_word":3910,"end_word":3941,"sentiment":"neutral","sentiment_score":0.05341634154319763},{"text":"You know, the more frequently you pay your super, the the better it is on that front just from a dollar cost averaging perspective. Yeah. But I could make some recommendations around tax saving and what it would do for you and how much you could salary sacrifice regularly to help.","start_word":3942,"end_word":3992,"sentiment":"positive","sentiment_score":0.36010682582855225},{"text":"But for me to be able to do that, I do need to know how much you're willing to forego from your weekly pay, which I know becomes hard because of how your business structures. Again, there's nothing wrong with doing what you did, where in the June, you give me a call and say, hey. I have this much money. What's that gonna do? Can I pop it in? Or give me an email and say, hey. I popped it in. Can you do the thing you need to do? Either Yeah. right I might I might keep it at that for the moment. away. Yeah. And when and if I do come into some more more funds that I'm a bit more liquid with, well, then I'll I'll probably just put them in and use it that way. Yeah. I mean, currently, if, you know, if majority of savings are heading towards the renovations costs, Yeah. once they're done, you may you know, things will free up and, you know, Yeah. Yeah. kick the kids out of home whenever that happens.","start_word":3993,"end_word":4175,"sentiment":"neutral","sentiment_score":0.0063030715100467205},{"text":"I don't think mine are leaving anytime soon. I don't think you're leaving. That'd be silly till this time.","start_word":4176,"end_word":4194,"sentiment":"negative","sentiment_score":-0.3697219491004944},{"text":"Right? I know. Mine too. Although, you know, I still have a a young daughter, and I think she's eager to leave. How old is she? She's only seven. So I've got two boys and a girl, teenagers, and and, yeah, Yes. a seven year old daughter, and she's pretty sure she's she's ready to pack a bag and leave.","start_word":4195,"end_word":4254,"sentiment":"neutral","sentiment_score":-0.04217807576060295},{"text":"Unfortunately, headstrong like her mother.","start_word":4255,"end_word":4259,"sentiment":"negative","sentiment_score":-0.5390795469284058},{"text":"Yeah. I know. It's all it's all part of the fun, though, but at least she knows what she wants. Yeah. Definitely. She she do she she definitely knows. Yeah. She's Yeah. Yeah.","start_word":4260,"end_word":4292,"sentiment":"neutral","sentiment_score":0.0525260865688324},{"text":"Good.","start_word":4293,"end_word":4293,"sentiment":"positive","sentiment_score":0.47992005944252014},{"text":"she's she's a absolute firecracker.","start_word":4294,"end_word":4298,"sentiment":"neutral","sentiment_score":-0.2223006784915924},{"text":"Anyway, All good.","start_word":4299,"end_word":4301,"sentiment":"positive","sentiment_score":0.4485717713832855},{"text":"so with with with, I guess, retirement funding, are there any other sources of income you expect to be able to receive outside of, I guess, your super, Jade's super? Are there any other No. assets? Is there any wealth transfer that you're expecting as No. as awful as that sounds? Yeah. No.","start_word":4302,"end_word":4354,"sentiment":"neutral","sentiment_score":-0.04917839914560318},{"text":"Not at the moment.","start_word":4355,"end_word":4358,"sentiment":"negative","sentiment_score":-0.38203370571136475},{"text":"And that's yeah.","start_word":4359,"end_word":4361,"sentiment":"neutral","sentiment_score":-0.25021323561668396},{"text":"No one's dying.","start_word":4362,"end_word":4364,"sentiment":"negative","sentiment_score":-0.49303150177001953},{"text":"Then I don't think my mom's gonna live till she's 120, I think. So that's not happening in a hurry.","start_word":4365,"end_word":4384,"sentiment":"neutral","sentiment_score":-0.2715083658695221},{"text":"Good. Perfect. No. That's that's absolutely good.","start_word":4385,"end_word":4391,"sentiment":"positive","sentiment_score":0.5443528294563293},{"text":"Okay. Too easy then. So what I can do is I can rereview the portfolio and see where we can land on that front and then get things tracking there to to be able to make make sure that I meet my, like, compliance obligations, I do need to present you with a statement of advice. Mhmm. Now, generally, I'd like to have, like, a at least five or ten minute phone call with you after I've drawn it all up. I obviously don't have it at hand today. But for me to be able to draw it all up and go through from there. I know, Sebi, said you were unavailable for a couple of weeks. Yeah. Well, if you if you give me a call when you've got that all sorted, and then I'll know more what's going on there because my time is, like, all over the place at the moment. Yeah. So it can be flexible, No. and sometimes it can't be. So No. That's yeah. okay. I'm always happy, specifically on a Thursday, Friday, Yep. because, generally, I work from home on a Thursday, Friday.","start_word":4392,"end_word":4581,"sentiment":"neutral","sentiment_score":0.05424277484416962},{"text":"I'm more than happy to have, like, a evening call as well.","start_word":4582,"end_word":4593,"sentiment":"positive","sentiment_score":0.4824382960796356},{"text":"So even if even if I just flick you an email and say, hey. I've done my thing. You know? When suits you? And we can kind of plan it from there. I should only need a couple like, based on the workload I currently have, I should only need less than two weeks to get everything drawn up Okay. and go from there. Yep. No.","start_word":4594,"end_word":4659,"sentiment":"neutral","sentiment_score":0.1713881099765951},{"text":"That sounds good. Cool.","start_word":4660,"end_word":4663,"sentiment":"positive","sentiment_score":0.4968433976173401},{"text":"Now outside of the super, you do have your insurance policy as well. Yes. The AI isn't it? Yes. Correct. Yeah. I'm just opening it back up. Where did it I've go? actually got a got a I haven't assigned that to anybody, but I'm a bit lazy Yes. with the paperwork. So I have to do that. Well, at least he knows.","start_word":4664,"end_word":4726,"sentiment":"neutral","sentiment_score":-0.022668855264782906},{"text":"I like it.","start_word":4727,"end_word":4729,"sentiment":"positive","sentiment_score":0.42948463559150696},{"text":"So, effectively, if I'm paying for insurance and there's not a sign to anyone, the government's probably gonna put their hand out and go, well, we'll have it.","start_word":4730,"end_word":4757,"sentiment":"neutral","sentiment_score":0.1243133544921875},{"text":"Thank you very much.","start_word":4758,"end_word":4761,"sentiment":"positive","sentiment_score":0.5201785564422607},{"text":"No. So you can rest you can rest assured not quite. And the legislation's changed pretty aggressively lately. So previously, what used to happen with any superannuation policy or or fund so because your your insurance policy is funded by your super fund, it forms part of, like, the super like, it falls under some form of super legislation. It falls Yeah. under both, the Life Insurance Act and super. Okay. Now what happens is what used to happen in years gone by is they would go through what's called oh, it's gonna annoy me now.","start_word":4762,"end_word":4857,"sentiment":"neutral","sentiment_score":-0.13088275492191315},{"text":"Can't think of the terminology, and that's gonna absolutely annoy me all night.","start_word":4858,"end_word":4870,"sentiment":"negative","sentiment_score":-0.4276728332042694},{"text":"But anyway, basically, they would you probably heard of it before where they put in the newspaper or they put ads out saying this person's died. Does anyone claim staking. Yes. There you go. Yeah. Claim staking. Does anyone have a a a a claim to stake on this estate? Yeah. And super funds used to do it as well, life insurance policies. Banks would do it if no one stepped forward. There's no next of kin. Yeah. And it did mean that, theoretically speaking, things would open up. So there could be a lost uncle or a mate or a mate that said, yeah. He owed me $50. Yeah.","start_word":4871,"end_word":4980,"sentiment":"neutral","sentiment_score":-0.09832118146798828},{"text":"The super funds don't do it anymore.","start_word":4981,"end_word":4987,"sentiment":"negative","sentiment_score":-0.3706717789173126},{"text":"They actually just default straight through to your estate, which means if you have a will in place, the will takes over. If you don't have a will in place, Mhmm. which this is kind of a question, do you have a will in place? No. We actually spoke about that last month. We've actually got to a what? Cool. And other thing? Yes. If you don't have a will in place, there's actually very specific regulations that happen per state. Now because I work I live in Queensland, I can tell you what Queensland's are. I don't I I know that New South Wales is similar to Queensland, Yeah. but they're definitely not the same. But in Queensland, it's basically the first 300,000 of the estate goes to the spouse, and then Yes. the funds are divvied evenly between spouse and any surviving children. If there is no spouse, then it's the children. If there's only a spouse, then it goes all to the spouse. If there's no spouse, no children, then it it's parents, siblings, and down the line from there. So Yes. for yourself, you know, your your partner and your children would end up getting the money that way. Yeah. But is that your specific wishes? Maybe not because the kid's getting that much money Yeah. We're looking versus your wife. And, realistically, from the superannuation to perspective, your spouse is a tax dependent. Your spouse will always receive the benefit tax free. Whereas your children, once they become nontax dependent, which is anytime over 18, if they are no longer studying, up to 25 years old, and it can go longer if they have a disablement. And your insurance policy is 1.34 mil and change. Yeah. Yeah. So it's a bit of money for the boys to probably get their hands on. Now Yeah. It's not bad. For sure.","start_word":4988,"end_word":5301,"sentiment":"neutral","sentiment_score":-0.06348264217376709},{"text":"no. You don't want it.","start_word":5302,"end_word":5306,"sentiment":"negative","sentiment_score":-0.4299084842205048},{"text":"Probably not. So you can give it to me retrospective just to give me a try. Here you go. Now on the insurance policy front, your policy has obviously increased a little bit over the last few years since it went in place, and it is sitting at $1,340,988.40. Yes. Is that still an appropriate amount given your debt being 700,000? Because, realistically, what that policy is gonna do because when you combine that policy with your superannuation fund, we're sitting over a mill and 0.5. So we're gonna Yes. be able to fully pay off the house Mhmm. and still have easily another $8,900,000 Yeah. sitting in the bank. Plus, So don't forget, the tools and the business can be sold down because you are the business. yeah.","start_word":5307,"end_word":5435,"sentiment":"neutral","sentiment_score":0.025042619556188583},{"text":"So you you think that's probably a bit too excessive?","start_word":5436,"end_word":5445,"sentiment":"negative","sentiment_score":-0.3396986424922943},{"text":"It's it's not that it's necessarily too excessive. It's dependent on what you want for your family if something were to happen. Because, ultimately, you could turn around and go, no. Financially speaking, if I were to pass away and I know and there was no longer an income or I could never work again and there was no longer an income coming in from me, my $130,000 a year just stopped. But the mortgage was paid off. And we had $250,000 in the bank, or we had $400,000 in the bank. I wanna give each of the boys $50, and, you know, me and me and the wife have 300,000 just as a backup to do any renovations or anything else that we wanna do, my Yeah. wife's income is actually sufficient for us to live day to day and pay the bills. And that would be your family and how it fits. Yeah. But Yes. it is very, very dependent on how the finances operate. Yeah. Oh, well, it all comes down to how much it's costing as well. It does. And there there is always that balancing act. What's that So costing? currently, the policy is costing $4,313.11 a year. 4,300 and then what? Sorry? $4.03 13 and 11<unk>. 11<unk>. Okay. So maybe we should reduce that. Mhmm. So the biggest question I have is, if something happened to you today, Yeah. your income stopped, but your mortgage was paid off, Could the family so so the biggest question is, what is your what is your wage pay for? So does your wage pay just the mortgage, or does your wage also go towards other living expenses? And what are those living expenses? Yeah. I look, I guess, at this point in time, one of our wages pays the mortgage. The other one pays for everything else. Yep. So you could say that mine pays mortgage or gave. They're about the same. Yep. So Okay. So it could be that, realistically, yeah. the mortgage is if the mortgage is covered, any extra money is just kind of extra on top. So it's now a question of what do we want to have. Realistically, I always recommend at least an extra 200,000 specifically if we have a TPD event, total permanent disability, just in Yeah. case any renovations need to happen, the medical costs of of anything that happens in that total impairment disabled space. So that would bring us to basically $900,000 there. Yeah. Mhmm. But if we're at $900,000, you may as well go to mill purely and simply. And the reason I say that is when you hit specific brackets, the cost actually comes down. So there's Yes. been plenty of times where I look at, like, $9.50, but a mill is actually a million dollars is actually cheaper than 950. Yeah. Sounds counterintuitive, I'd say it's a tough but way to it go sure is. because yeah. It is costing nearly $4.5. How much would it cost to to bring it down to a million dollars? Yeah. I'd have to quote that up, but 25. I can quote it and I can select it to you in an email. And what Mhmm. I'll do is I might give you a couple of different options between, like, a mail 1.2 and then, obviously, show you what you currently have and Yeah. just kinda give you a couple of different options that way and show it. The other option is I can also go to market and see if there's any other providers that are cheaper because your policy is 2,023. So, I mean, it's only three no. That's only three years old. There shouldn't be anything that's cheaper, but I'll go and have a look anyway to see if there is. But the painful part of that is going through all the medical questions and stuff like that again. So it's administrative. It's like an hour of your time. But if it's a decent savings, then, obviously, that's gonna be a better avenue. Oh, yeah. Yeah. Yeah. Absolutely. So I'll have a look at at all of it, and we can Mhmm. kinda go from there on that front. Okay? No worries. And when I when we do all of that, then I'll I'll finalize it all and actually fill in the paperwork and send it in.","start_word":5446,"end_word":6177,"sentiment":"neutral","sentiment_score":-0.017397465835747822},{"text":"Good.","start_word":6178,"end_word":6178,"sentiment":"positive","sentiment_score":0.344939649105072},{"text":"Yes. Absolutely. Because I looked early this morning. Sorry? I I was looking earlier today. I I'm one of those crazy people that, you know, don't take a lunch break. So you have a working lunch. No. No. When you got booked into my calendar, I pulled up your file to have a look and took notes down. Because it's your super fund as well that doesn't have the nomination, so it's it's everything. It's not just the insurance policy. It's the super fund as well. So we we could take care of both of them, and I can send you all the paperwork once I formalize my recommendations for you anyway.","start_word":6179,"end_word":6290,"sentiment":"neutral","sentiment_score":0.056591134518384933},{"text":"Perfect. Sounds like plan. Cool.","start_word":6291,"end_word":6295,"sentiment":"positive","sentiment_score":0.48443758487701416},{"text":"Alright. Well, I will start getting digging on that front Mhmm. and go from there. I do have some documents that I have failed to send you while we were talking, but they're just basically informative for you. Yes. It's just like an asset performance sheet and stuff like that. I was just too busy talking instead of sending them to you, but we kinda talked about it all. And I know said he ran through some of the stuff this morning with you anyway. Yes. But I'll send those through. And then there's the client services agreement that I will send through Hub twenty four for you to authorize so we can continue acting as your adviser and servicing your account. I'll go away and get all my research happening. And once it's all drawn up or once I have everything back, I'll I'll email you through, and we can schedule a time to go through the advice.","start_word":6296,"end_word":6454,"sentiment":"neutral","sentiment_score":0.08609283209409353},{"text":"Perfect. Awesome. Amazing. Alright. Perfect.","start_word":6455,"end_word":6459,"sentiment":"positive","sentiment_score":0.6307700872421265},{"text":"Well Okay. Well I'll I'll speak to you in, I guess, in a couple of weeks or two or three weeks. yeah. Yeah. Absolutely. It yeah. It it shouldn't be much more than two weeks, to be completely honest. Like, realistically, if it's two weeks, I'm not doing a good job good enough jobs. So I'll yeah. You'll have an email from me as soon as I basically get the quotes back from the insurers, which will that'll be the longest time as that that takes a couple of days to get that back. But, otherwise, we'll kind of go from there.","start_word":6460,"end_word":6561,"sentiment":"neutral","sentiment_score":0.0008754975278861821},{"text":"Awesome. Brilliant champion. Amazing. Thanks. Bye bye. No stress at all, Raffy. You have a good night. You too. Thanks so much. Good luck with the young one. Oh, yeah. Thanks. Cheers.","start_word":6562,"end_word":6593,"sentiment":"positive","sentiment_score":0.6617523431777954},{"text":"Speak soon. Will do. Bye. Bye.","start_word":6594,"end_word":6599,"sentiment":"neutral","sentiment_score":0.251539945602417}],"average":{"sentiment":"neutral","sentiment_score":0.043563685234469206}}}}