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So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for retirement. So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead to the day. Yeah. So I know that at the time, you were in the middle of moving to Toowoomba, and there was quite a number of things that were happening in your life. Now I did wanna, I guess, double check and see how did everything go with the move and settling in. That's fantastic. Yes. Beautiful. Yeah. Oh, that's so good to hear. And you're loving it by the sounds of it. Perfect. No. That's beautiful. Okay. So let me, I guess, get a bit of a oh, that's not what I wanted. I'm just opening random things everywhere here. It really is. Sometimes computers throw my head in. Oh, and it never does wanna play the game. Okay. There we go. That's what I wanted. Alright. So from last we spoke, you of it, you were a duty manager at the time. So now your disability support work. So what do our hours look like? Where are we sitting? Okay. And what's that income looking like? Or, like, what what was your income over the last twelve months, I guess? Yep. Perfect. And how long have you been working for this company? Okay. So May 2020. Oh, cool. So that's a full financial year with this company. Fantastic. Okay. I was gonna say yeah. But we're gonna we're gonna get up there. That's divide divide that to ten months. I go I am not matting today. Oh my lord. And then go to that ten, twelve months. We are, yeah, looking at about $1.00 5 is what I'm kind of looking at. Cool. Alright. So that gives us alright. Cool. So that gives us a good income based start. And then how are we going expenses wise, savings wise with the move? Well then. Yep. Okay. That's okay. Generally, on a week to week, how do we go? Because I know that you had, like, a a bit of a you had the a personal loan and a and a car loan. Yep. Perfect. Yeah. Yep. What's okay. What's our rent? Yep. $4.20. Perfect. And our credit card? Okay. Do we owe anything on them, or do we just use them for living expenses? Perfect. What's our limit on the two of them combined? Okay. And the one that you have open, what's the limit on the open one? Perfect. So it's just gonna give us an enough to be able to do our living expenses? Yep. Perfect. So once we pay off the the 4,000 owing, we'll be able to go from there. Fantastic. Now with regards to where our address, what is the address for the new place that you're at? Okay. At Centenary Heights. Fantastic. Alright. Cool. Thanks, Newnan. That's okay. I just wanted to double check. Alright. Amazing. So that covers off, I guess, the the couple of did bits that would have been mismatched for the last twelve months. So goals wise, I know that one of the things that you were looking at over the last twelve months was you were gonna get your teeth done. Did you end up getting that done? Wow. Yeah. Alright. Perfect. Later goal. Fantastic. So I guess that being a bit of a later goal, so something so, I guess, something that we look at in, you know, maybe two to three years' time. Yeah. What is what goals are you currently sort of focused on? Are we still very much in the same, I guess, area? Like, when we spoke last, we were talking about being comfortable in retirement, not having any debts, wanting to be able to travel and see your grandchildren. You wanted to make sure that your debt and income were covered so that in the event that anything happened to you, you were able to keep working until you're well into your sixties. And that you just sort of wanted to I mean, you have done that already, so big tick there. You you wanted to settle into the new town and and and just work on on paying down the debts, build up some savings, spend spend time with the family, stuff like that. Is that still the sort of okay. Is there anything else goal wise that I need to be aware of or know about? Yeah. Yeah. Yeah. It's possible that we like, that you could get a loan to pay a buyer unit, and then as an exit strategy, your superannuation can be used to pay off the balance of the loan. That is something that that I have done multiple times with clients who are a little bit older, who are wanting to get into a home, is that you know? Because the ultimately, the the lender needs to know that there is security or assurance that the that the loan is gonna get paid. So if you have an exit strategy around basically utilizing the superannuation to do so, But it's gonna be tight because, obviously, you know, we're 58. Am I doing that math right? I'm not doing that math right at all. You turned you turned 60 this month, don't you? Yeah. I was doing that math. I was doing that math completely wrong. Yeah. So you with you being 60, it's it's gonna be a little bit tight with regards to getting a loan and and That's a perfect strategy. That's my favorite one. Yeah. I mean, that's always definitely a definitely an option. But, really, you know, your income is pretty good with what you're doing. You've you've increased your income exponentially from, like, the 74,000 you were on previously. So you've got you've got a bit of income coming in from there. So with with with with the increase in income, if, you know, serviceability wise, we might be able to push it across the line, but it would have to be the cost is what it's gonna really come down to. Have you looked at what cost we could look at? Because what I can do is I can reach out to some of my, like, brokers that I I deal with and see if there's any capacity for us to be able to maybe see that's come to fruition. Yeah. Okay. So Stands and Henry Heights. Yep. Yep. Okay. Christmas. 03:50 to four hundred. Okay. Because what I'll do is I'll reach out to some of my brokers and just start like, I'll put the fields out and and, I guess, put you forward as a as, like, a a case to see what they say in response whether it's it's possible that we could do something in that area. Would you be comfortable using your superannuation as the as, like, as the, I guess, final payment plan for that mortgage? Obviously, working as long as you can to pay the mortgage down over the next few years and then, you know, come retirement using your superannuation to pay off the remainder of the mortgage. Is that something you're comfortable with doing? Because that would be the strategy that we'd be looking at doing if that's the case. Okay. Because what we could probably look at doing is, like, kinda going for a a shorter mortgage term with the broker and and see where that lands us and and go from there with regards to paying it off. It means that we're then like, we're living on Centrelink for an income. So it's gonna be a a bit of a drastic difference between, you know, your income now and going on to Centrelink income. But it depends on your comfort level. It's you know, if we wanna get into a home, this is the way we'd have to probably look at doing it. I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy. But sorry. But once but once we're in our home, obviously, that gives us security and assurance. And then depend it is. It means that, you know, you're leaving something for the kids as well. So if, you know, if, you know, when you when you do pass on, the kids have an asset that becomes theirs or becomes, you know, something for them to to have salon or or or rent out and have residual income from an like a, you know, estate planning or family planning point of view. But looking after you was obviously the primary outcome that we wanna focus on. We wanna make sure that you're comfortable in in in your life, not just looking after the kids. Then getting a house is, you know, a nice to have, not anything else. Yeah. Okay. No. That's perfect. I will do the homework and look into it and see where we land on that. Obviously, I can ask the questions. Aside from honestly, it's it's still it's still my plan. I mean, I've been married for a decade, and I'm I'm still looking. So you've been oh, it's a bit hard to yeah. Going going from being alone for the last two decades and and then trying to live with a man. Oh, some days. Perfect. So I guess, superannuation wise, are you still very comfortable with the direction Kyle was looking at heading in twelve months ago? We obviously didn't execute it because a lot of things were happening in your world at the time. Obviously, things have changed with the economic climate and and where things land now. But what too right. I love too right. But what I can do is, I guess, refresh everything. Have a have a have a good look over where things fit. Obviously gonna reach out to my brokers. I have a gorgeous lady by the name of Brooke. Yeah. Yep. Yeah. Yeah. You're comfortable to do so. You're not slowing down anytime soon. I love that. So I was I was about to ask, when when do you go to Bali? I love that my in laws move my in laws moved to Bali three years ago now, and they're loving it. That's where they are. Yeah. It it does. It's stunning. If you yep. Absolutely nothing wrong with that. Besides a good cocktail on the beach, it's lovely. That's the way to do it. Yeah. In Bali, enjoying it. So when do you fly out? Just so I can make sure that I I'm sick. Yep. Any second. Alright. So you've gone that. Perfect. That's okay. So for me to go ahead and start looking at things, you've given me pretty much everything. Like, you've got 2 and a half grand saved. That's that's fine. I've got an update on where all your debts sit. The debts that you you hold for your kids, a little bit painful from a claims perspective. Do you know by any chance how much is left on the car loan? Pay thing left. Okay. Perfect. That's okay. It's it's in your name, but she pays for it. That's okay. So I'll yeah. We can probably get away with, like, a a stat deck saying that it's not your responsibility to pay, and we can go from there. And I'll have a chat to Brooke. Yeah. Perfect. It's just yeah. You were just helping helping your daughter out. It's what we do as parents. Yep. I have I've got three of my own. Mine are a little still a little bit younger. But so they are. Nope. I actually had the pleasure of being able to call my mother the other day and apologize for something that I used to do as a kid because my kids decided to turn around and, you know, do it back as as that life cycle happens. Karma sucks. Yep. So I'll have a look at this. I'll start looking at I'll have a look at properties in around Crows Nest, Centenary Heights, that kinda area, and see what our valuation's actually looking like, whether $35,400 is realistic or whether the the the property margins are higher. I'll reach out to Brooke, my broker, and see what we're dealing with and whether it's a possibility for us to, you know, do what we're doing, possibly use some of our super as a deposit, exit strategy through super, pay it off, see what you know, if we went for a ten year term, what that kinda looks like. I think the only thing I'm missing is, firstly, what kind of money do you put away in savings, like, outside of your rent and everything you used to live? What do you normally save? Yeah. Per week. Fantastic. That yeah. No. Of course. Like, at the moment, holiday aside, absolutely. But what I'll perfect. So what I'll do is I'll consider that because what we can do is we can have a strategy where, you know, maybe we're paying something to the, you know, $900 effect of the mortgage each each week if we do go with a mortgage so we can bring that term down, and I'll talk to Brooke and go from there on that sort of planning side of things. And then the only other thing I need is I would need an updated statement from your superannuation fund so I can have a look at that and see where it's sitting. Because, obviously, the last one we got was twelve months ago, and things have changed a little bit. Yeah. Perfect. That's beautiful. Yeah. No. That's okay. And we're not gonna make a, you know, drastic move or a big jump soon. We can we can time it a little bit. But what I'll do is if I can send you an email and you can respond to it with a statement, or if you're comfortable, I can pop you over to Maddie now, and she can grab the details with you if you can log in to the account. It's up to you which way you wanna do it. Yeah. Perfect. So if you can confirm what the balance is today. This is fantastic. And where does our insurance policy sit? It's been twelve months down the line, so they would possibly have changed. What else? No IP. Perfect. Okay. So it's the life insurance only. Cool. Cool. Twenty one twenty one day waiting period to your benefit period. Do you know what you pay on the income protection? Doesn't have a premium written there? Life. Right. That's okay. I can look at the PDF, and I can find it from there. That's easy enough. That's easy. Easy. Easy enough. Alright. Perfect. That gives me everything. I know what investments are in place because we changed them, so that's too easy on that side. Amazing. Alright. Well, what I'll do is I'll start getting in and getting some research happening for you. And would you like we can reconvene and have a chat the week you get back from Bali? Yeah? Alright. So let's lock in twenty third. Yeah. Fantastic. Let's lock in the twenty third. Are you okay with 3PM still? Alright. Perfect. So we'll lock in the twenty third, 3PM, and we can go through and have a chat from there. I'll jump on the phone with Brooke now and try and catch her before Easter break. If not, I'll catch her next week, and we can go from there. Yeah. It's just it's a good avenue to look down. Yeah. Absolutely. Gives you security and support, and that means that you have an asset. And, I mean, realistically, it means you could rent out a room. There's residual income there as well. Gives the kids somewhere to bounce back to as well. Listen. I'm one of Yes. Yeah. Yeah. Do you oh, you have 4. 3. Alright. Cool. Yeah. And I'm one yeah. Don't worry. I'm I'm one of seven, and there's 11 grandkids so far so far. I'm done. I have three myself. That's that's sufficient. It fills the back seat of the car. Yep. Oh, and you'll have a lovely Easter, though. Like, look at the chocolate and the craziness and the kids running around. They don't stop. This is true. Good old public holiday. Right? Oh, you gotta be happy with that. Give you a little boost to the income so you can enjoy the holiday a little bit more, have an extra cocktail or two. Perfect. Alright. Well, I will let you go. You have a fantastic Easter, and I'll get cracking with all of this, and we'll speak in a few weeks. No. Absolutely my pleasure, Michelle. We'll speak soon. 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Good afternoon, Michelle. Larissa here from Oakview Financial. How are you going? I'm very well.\n\nThank you for asking. So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for retirement. So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead to the day.\n\nYeah. So I know that at the time, you were in the middle of moving to Toowoomba, and there was quite a number of things that were happening in your life. Now I did wanna, I guess, double check and see how did everything go with the move and settling in. That's fantastic. Yes.\n\nBeautiful. Yeah. Oh, that's so good to hear. And you're loving it by the sounds of it. Perfect.\n\nNo. That's beautiful. Okay. So let me, I guess, get a bit of a oh, that's not what I wanted. I'm just opening random things everywhere here.\n\nIt really is. Sometimes computers throw my head in. Oh, and it never does wanna play the game. Okay. There we go.\n\nThat's what I wanted. Alright. So from last we spoke, you of it, you were a duty manager at the time. So now your disability support work. So what do our hours look like?\n\nWhere are we sitting? Okay. And what's that income looking like? Or, like, what what was your income over the last twelve months, I guess? Yep.\n\nPerfect. And how long have you been working for this company? Okay. So May 2020. Oh, cool.\n\nSo that's a full financial year with this company. Fantastic. Okay. I was gonna say yeah. But we're gonna we're gonna get up there.\n\nThat's divide divide that to ten months. I go I am not matting today. Oh my lord. And then go to that ten, twelve months. We are, yeah, looking at about $1.00 5 is what I'm kind of looking at.\n\nCool. Alright. So that gives us alright. Cool. So that gives us a good income based start.\n\nAnd then how are we going expenses wise, savings wise with the move? Well then. Yep. Okay. That's okay.\n\nGenerally, on a week to week, how do we go? Because I know that you had, like, a a bit of a you had the a personal loan and a and a car loan. Yep. Perfect. Yeah.\n\nYep. What's okay. What's our rent? Yep. $4.20.\n\nPerfect. And our credit card? Okay. Do we owe anything on them, or do we just use them for living expenses? Perfect.\n\nWhat's our limit on the two of them combined? Okay. And the one that you have open, what's the limit on the open one? Perfect. So it's just gonna give us an enough to be able to do our living expenses?\n\nYep. Perfect. So once we pay off the the 4,000 owing, we'll be able to go from there. Fantastic. Now with regards to where our address, what is the address for the new place that you're at?\n\nOkay. At Centenary Heights. Fantastic. Alright. Cool.\n\nThanks, Newnan. That's okay. I just wanted to double check. Alright. Amazing.\n\nSo that covers off, I guess, the the couple of did bits that would have been mismatched for the last twelve months. So goals wise, I know that one of the things that you were looking at over the last twelve months was you were gonna get your teeth done. Did you end up getting that done? Wow. Yeah.\n\nAlright. Perfect. Later goal. Fantastic. So I guess that being a bit of a later goal, so something so, I guess, something that we look at in, you know, maybe two to three years' time.\n\nYeah. What is what goals are you currently sort of focused on? Are we still very much in the same, I guess, area? Like, when we spoke last, we were talking about being comfortable in retirement, not having any debts, wanting to be able to travel and see your grandchildren. You wanted to make sure that your debt and income were covered so that in the event that anything happened to you, you were able to keep working until you're well into your sixties.\n\nAnd that you just sort of wanted to I mean, you have done that already, so big tick there. You you wanted to settle into the new town and and and just work on on paying down the debts, build up some savings, spend spend time with the family, stuff like that. Is that still the sort of okay. Is there anything else goal wise that I need to be aware of or know about? Yeah.\n\nYeah. Yeah. It's possible that we like, that you could get a loan to pay a buyer unit, and then as an exit strategy, your superannuation can be used to pay off the balance of the loan. That is something that that I have done multiple times with clients who are a little bit older, who are wanting to get into a home, is that you know? Because the ultimately, the the lender needs to know that there is security or assurance that the that the loan is gonna get paid.\n\nSo if you have an exit strategy around basically utilizing the superannuation to do so, But it's gonna be tight because, obviously, you know, we're 58. Am I doing that math right? I'm not doing that math right at all. You turned you turned 60 this month, don't you? Yeah.\n\nI was doing that math. I was doing that math completely wrong. Yeah. So you with you being 60, it's it's gonna be a little bit tight with regards to getting a loan and and That's a perfect strategy. That's my favorite one.\n\nYeah. I mean, that's always definitely a definitely an option. But, really, you know, your income is pretty good with what you're doing. You've you've increased your income exponentially from, like, the 74,000 you were on previously. So you've got you've got a bit of income coming in from there.\n\nSo with with with with the increase in income, if, you know, serviceability wise, we might be able to push it across the line, but it would have to be the cost is what it's gonna really come down to. Have you looked at what cost we could look at? Because what I can do is I can reach out to some of my, like, brokers that I I deal with and see if there's any capacity for us to be able to maybe see that's come to fruition. Yeah. Okay.\n\nSo Stands and Henry Heights. Yep. Yep. Okay. Christmas.\n\n03:50 to four hundred. Okay. Because what I'll do is I'll reach out to some of my brokers and just start like, I'll put the fields out and and, I guess, put you forward as a as, like, a a case to see what they say in response whether it's it's possible that we could do something in that area. Would you be comfortable using your superannuation as the as, like, as the, I guess, final payment plan for that mortgage? Obviously, working as long as you can to pay the mortgage down over the next few years and then, you know, come retirement using your superannuation to pay off the remainder of the mortgage.\n\nIs that something you're comfortable with doing? Because that would be the strategy that we'd be looking at doing if that's the case. Okay. Because what we could probably look at doing is, like, kinda going for a a shorter mortgage term with the broker and and see where that lands us and and go from there with regards to paying it off. It means that we're then like, we're living on Centrelink for an income.\n\nSo it's gonna be a a bit of a drastic difference between, you know, your income now and going on to Centrelink income. But it depends on your comfort level. It's you know, if we wanna get into a home, this is the way we'd have to probably look at doing it. I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy. But sorry.\n\nBut once but once we're in our home, obviously, that gives us security and assurance. And then depend it is. It means that, you know, you're leaving something for the kids as well. So if, you know, if, you know, when you when you do pass on, the kids have an asset that becomes theirs or becomes, you know, something for them to to have salon or or or rent out and have residual income from an like a, you know, estate planning or family planning point of view. But looking after you was obviously the primary outcome that we wanna focus on.\n\nWe wanna make sure that you're comfortable in in in your life, not just looking after the kids. Then getting a house is, you know, a nice to have, not anything else. Yeah. Okay. No.\n\nThat's perfect. I will do the homework and look into it and see where we land on that. Obviously, I can ask the questions. Aside from honestly, it's it's still it's still my plan. I mean, I've been married for a decade, and I'm I'm still looking.\n\nSo you've been oh, it's a bit hard to yeah. Going going from being alone for the last two decades and and then trying to live with a man. Oh, some days. Perfect. So I guess, superannuation wise, are you still very comfortable with the direction Kyle was looking at heading in twelve months ago?\n\nWe obviously didn't execute it because a lot of things were happening in your world at the time. Obviously, things have changed with the economic climate and and where things land now. But what too right. I love too right. But what I can do is, I guess, refresh everything.\n\nHave a have a have a good look over where things fit. Obviously gonna reach out to my brokers. I have a gorgeous lady by the name of Brooke. Yeah. Yep.\n\nYeah. Yeah. You're comfortable to do so. You're not slowing down anytime soon. I love that.\n\nSo I was I was about to ask, when when do you go to Bali? I love that my in laws move my in laws moved to Bali three years ago now, and they're loving it. That's where they are. Yeah. It it does.\n\nIt's stunning. If you yep. Absolutely nothing wrong with that. Besides a good cocktail on the beach, it's lovely. That's the way to do it.\n\nYeah. In Bali, enjoying it. So when do you fly out? Just so I can make sure that I I'm sick. Yep.\n\nAny second. Alright. So you've gone that. Perfect. That's okay.\n\nSo for me to go ahead and start looking at things, you've given me pretty much everything. Like, you've got 2 and a half grand saved. That's that's fine. I've got an update on where all your debts sit. The debts that you you hold for your kids, a little bit painful from a claims perspective.\n\nDo you know by any chance how much is left on the car loan? Pay thing left. Okay. Perfect. That's okay.\n\nIt's it's in your name, but she pays for it. That's okay. So I'll yeah. We can probably get away with, like, a a stat deck saying that it's not your responsibility to pay, and we can go from there. And I'll have a chat to Brooke.\n\nYeah. Perfect. It's just yeah. You were just helping helping your daughter out. It's what we do as parents.\n\nYep. I have I've got three of my own. Mine are a little still a little bit younger. But so they are. Nope.\n\nI actually had the pleasure of being able to call my mother the other day and apologize for something that I used to do as a kid because my kids decided to turn around and, you know, do it back as as that life cycle happens. Karma sucks. Yep. So I'll have a look at this. I'll start looking at I'll have a look at properties in around Crows Nest, Centenary Heights, that kinda area, and see what our valuation's actually looking like, whether $35,400 is realistic or whether the the the property margins are higher.\n\nI'll reach out to Brooke, my broker, and see what we're dealing with and whether it's a possibility for us to, you know, do what we're doing, possibly use some of our super as a deposit, exit strategy through super, pay it off, see what you know, if we went for a ten year term, what that kinda looks like. I think the only thing I'm missing is, firstly, what kind of money do you put away in savings, like, outside of your rent and everything you used to live? What do you normally save? Yeah. Per week.\n\nFantastic. That yeah. No. Of course. Like, at the moment, holiday aside, absolutely.\n\nBut what I'll perfect. So what I'll do is I'll consider that because what we can do is we can have a strategy where, you know, maybe we're paying something to the, you know, $900 effect of the mortgage each each week if we do go with a mortgage so we can bring that term down, and I'll talk to Brooke and go from there on that sort of planning side of things. And then the only other thing I need is I would need an updated statement from your superannuation fund so I can have a look at that and see where it's sitting. Because, obviously, the last one we got was twelve months ago, and things have changed a little bit. Yeah.\n\nPerfect. That's beautiful. Yeah. No. That's okay.\n\nAnd we're not gonna make a, you know, drastic move or a big jump soon. We can we can time it a little bit. But what I'll do is if I can send you an email and you can respond to it with a statement, or if you're comfortable, I can pop you over to Maddie now, and she can grab the details with you if you can log in to the account. It's up to you which way you wanna do it. Yeah.\n\nPerfect. So if you can confirm what the balance is today. This is fantastic. And where does our insurance policy sit? It's been twelve months down the line, so they would possibly have changed.\n\nWhat else? No IP. Perfect. Okay. So it's the life insurance only.\n\nCool. Cool. Twenty one twenty one day waiting period to your benefit period. Do you know what you pay on the income protection? Doesn't have a premium written there?\n\nLife. Right. That's okay. I can look at the PDF, and I can find it from there. That's easy enough.\n\nThat's easy. Easy. Easy enough. Alright. Perfect.\n\nThat gives me everything. I know what investments are in place because we changed them, so that's too easy on that side. Amazing. Alright. Well, what I'll do is I'll start getting in and getting some research happening for you.\n\nAnd would you like we can reconvene and have a chat the week you get back from Bali? Yeah? Alright. So let's lock in twenty third. Yeah.\n\nFantastic. Let's lock in the twenty third. Are you okay with 3PM still? Alright. Perfect.\n\nSo we'll lock in the twenty third, 3PM, and we can go through and have a chat from there. I'll jump on the phone with Brooke now and try and catch her before Easter break. If not, I'll catch her next week, and we can go from there. Yeah. It's just it's a good avenue to look down.\n\nYeah. Absolutely. Gives you security and support, and that means that you have an asset. And, I mean, realistically, it means you could rent out a room. There's residual income there as well.\n\nGives the kids somewhere to bounce back to as well. Listen. I'm one of Yes. Yeah. Yeah.\n\nDo you oh, you have 4. 3. Alright. Cool. Yeah.\n\nAnd I'm one yeah. Don't worry. I'm I'm one of seven, and there's 11 grandkids so far so far. I'm done. I have three myself.\n\nThat's that's sufficient. It fills the back seat of the car. Yep. Oh, and you'll have a lovely Easter, though. Like, look at the chocolate and the craziness and the kids running around.\n\nThey don't stop. This is true. Good old public holiday. Right? Oh, you gotta be happy with that.\n\nGive you a little boost to the income so you can enjoy the holiday a little bit more, have an extra cocktail or two. Perfect. Alright. Well, I will let you go. You have a fantastic Easter, and I'll get cracking with all of this, and we'll speak in a few weeks.\n\nNo. Absolutely my pleasure, Michelle. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.28,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.10257386416196825},{"text":"Good afternoon, Michelle.","start":3.6799998,"end":5.14,"sentiment":"neutral","sentiment_score":0.22337390979131064},{"text":"Larissa here from Oakview Financial.","start":5.2799997,"end":6.98,"sentiment":"neutral","sentiment_score":0.17459371984004973},{"text":"How are you going?","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.17167196422815323},{"text":"I'm very well.","start":10.08,"end":11.04,"sentiment":"positive","sentiment_score":0.5781988898913065}],"sentiment":"neutral","sentiment_score":0.2541842949576676,"num_words":16,"start":3.28,"end":11.04},{"sentences":[{"text":"Thank you for asking.","start":11.04,"end":12.179999,"sentiment":"positive","sentiment_score":0.6006045341491699},{"text":"So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for retirement.","start":14.085,"end":28.359999,"sentiment":"neutral","sentiment_score":0.14376954417232246},{"text":"So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time.","start":29.619999,"end":37.8,"sentiment":"neutral","sentiment_score":0.02886890344645666},{"text":"Nearly twelve oh, twelve months ago.","start":38.18,"end":39.78,"sentiment":"neutral","sentiment_score":0.0023268077444906035},{"text":"Twelve months pretty much lead to the day.","start":39.78,"end":41.559998,"sentiment":"neutral","sentiment_score":0.0013542483211494982}],"sentiment":"neutral","sentiment_score":0.10999420004986586,"num_words":83,"start":11.04,"end":41.559998},{"sentences":[{"text":"Yeah.","start":42.915,"end":43.415,"sentiment":"neutral","sentiment_score":0.017562134191393852},{"text":"So I know that at the time, you were in the middle of moving to Toowoomba, and there was quite a number of things that were happening in your life.","start":45.715,"end":54.135002,"sentiment":"neutral","sentiment_score":0.010853143315762282},{"text":"Now I did wanna, I guess, double check and see how did everything go with the move and settling in.","start":55.260002,"end":61.92,"sentiment":"neutral","sentiment_score":0.06760585261508822},{"text":"That's fantastic.","start":64.7,"end":65.520004,"sentiment":"positive","sentiment_score":0.49179840087890625},{"text":"Yes.","start":67.995,"end":68.495,"sentiment":"neutral","sentiment_score":0.11424993723630904}],"sentiment":"neutral","sentiment_score":0.05172444861037312,"num_words":54,"start":42.915,"end":68.495},{"sentences":[{"text":"Beautiful.","start":73.515,"end":74.015,"sentiment":"neutral","sentiment_score":0.17891952395439148},{"text":"Yeah.","start":77.994995,"end":78.494995,"sentiment":"neutral","sentiment_score":0.07610815018415451},{"text":"Oh, that's so good to hear.","start":78.635,"end":80.975,"sentiment":"neutral","sentiment_score":0.21775367359320322},{"text":"And you're loving it by the sounds of it.","start":81.6,"end":83.86,"sentiment":"neutral","sentiment_score":0.19198454585340288},{"text":"Perfect.","start":87.2,"end":87.7,"sentiment":"positive","sentiment_score":0.5411266684532166}],"sentiment":"neutral","sentiment_score":0.21280762760175598,"num_words":18,"start":73.515,"end":87.7},{"sentences":[{"text":"No.","start":89.52,"end":89.84,"sentiment":"neutral","sentiment_score":0.06206465885043144},{"text":"That's beautiful.","start":89.84,"end":90.82,"sentiment":"neutral","sentiment_score":0.09415152855217457},{"text":"Okay.","start":91.28,"end":91.78,"sentiment":"neutral","sentiment_score":-0.0074803829193115234},{"text":"So let me, I guess, get a bit of a oh, that's not what I wanted.","start":92.24,"end":98.045,"sentiment":"neutral","sentiment_score":-0.12517645698972046},{"text":"I'm just opening random things everywhere here.","start":98.185005,"end":101.245,"sentiment":"neutral","sentiment_score":-0.05463300219603947}],"sentiment":"neutral","sentiment_score":-0.07934692571008647,"num_words":27,"start":89.52,"end":101.245},{"sentences":[{"text":"It really is.","start":104.025,"end":105.165,"sentiment":"neutral","sentiment_score":-0.060401950031518936},{"text":"Sometimes computers throw my head in.","start":105.465004,"end":107.805,"sentiment":"neutral","sentiment_score":-0.12084908410906792},{"text":"Oh, and it never does wanna play the game.","start":113.68,"end":115.700005,"sentiment":"neutral","sentiment_score":-0.13100651734405094},{"text":"Okay.","start":118.24,"end":118.74,"sentiment":"neutral","sentiment_score":-0.06268876791000366},{"text":"There we go.","start":118.8,"end":119.76,"sentiment":"neutral","sentiment_score":-0.04934938997030258}],"sentiment":"neutral","sentiment_score":-0.10436799766665156,"num_words":22,"start":104.025,"end":119.76},{"sentences":[{"text":"That's what I wanted.","start":119.76,"end":120.98,"sentiment":"neutral","sentiment_score":-0.021713399095460773},{"text":"Alright.","start":121.520004,"end":122.0,"sentiment":"neutral","sentiment_score":0.016403574496507645},{"text":"So from last we spoke, you of it, you were a duty manager at the time.","start":122.0,"end":129.335,"sentiment":"neutral","sentiment_score":0.004486127814743668},{"text":"So now your disability support work.","start":129.335,"end":132.13501,"sentiment":"neutral","sentiment_score":0.007910980998227993},{"text":"So what do our hours look like?","start":132.13501,"end":133.575,"sentiment":"neutral","sentiment_score":-0.005238616972097329}],"sentiment":"neutral","sentiment_score":0.00035657618633087943,"num_words":34,"start":119.76,"end":133.575},{"sentences":[{"text":"Where are we sitting?","start":133.575,"end":134.63501,"sentiment":"neutral","sentiment_score":-0.00906428205780685},{"text":"Okay.","start":141.42,"end":141.92,"sentiment":"neutral","sentiment_score":-0.009274768643081188},{"text":"And what's that income looking like?","start":144.78,"end":146.88,"sentiment":"neutral","sentiment_score":0.0024209434632211924},{"text":"Or, like, what what was your income over the last twelve months, I guess?","start":147.355,"end":150.015,"sentiment":"neutral","sentiment_score":-0.0017671128402331046},{"text":"Yep.","start":166.89,"end":167.39,"sentiment":"neutral","sentiment_score":0.08956120908260345}],"sentiment":"neutral","sentiment_score":0.0013005920470907139,"num_words":26,"start":133.575,"end":167.39},{"sentences":[{"text":"Perfect.","start":167.61,"end":168.11,"sentiment":"positive","sentiment_score":0.4409995675086975},{"text":"And how long have you been working for this company?","start":168.17,"end":170.35,"sentiment":"neutral","sentiment_score":0.0955711118876934},{"text":"Okay.","start":173.945,"end":174.265,"sentiment":"neutral","sentiment_score":0.04193343222141266},{"text":"So May 2020.","start":174.265,"end":177.245,"sentiment":"neutral","sentiment_score":0.04856094469626745},{"text":"Oh, cool.","start":177.385,"end":178.025,"sentiment":"neutral","sentiment_score":0.3292955458164215}],"sentiment":"neutral","sentiment_score":0.13193635554874644,"num_words":17,"start":167.61,"end":178.025},{"sentences":[{"text":"So that's a full financial year with this company.","start":178.025,"end":180.285,"sentiment":"positive","sentiment_score":0.3382323715421889},{"text":"Fantastic.","start":182.505,"end":183.005,"sentiment":"positive","sentiment_score":0.6417593955993652},{"text":"Okay.","start":183.305,"end":183.805,"sentiment":"neutral","sentiment_score":0.20919688045978543},{"text":"I was gonna say yeah.","start":186.73001,"end":188.03,"sentiment":"neutral","sentiment_score":0.05887147486209869},{"text":"But we're gonna we're gonna get up there.","start":188.57,"end":190.51001,"sentiment":"neutral","sentiment_score":0.07385297678411007}],"sentiment":"neutral","sentiment_score":0.19917620035509268,"num_words":24,"start":178.025,"end":190.51001},{"sentences":[{"text":"That's divide divide that to ten months.","start":191.93001,"end":196.99,"sentiment":"neutral","sentiment_score":0.008970477219138826},{"text":"I go I am not matting today.","start":200.515,"end":204.13501,"sentiment":"neutral","sentiment_score":-0.039890821490968974},{"text":"Oh my lord.","start":204.27501,"end":205.175,"sentiment":"neutral","sentiment_score":-0.012038157631953558},{"text":"And then go to that ten, twelve months.","start":205.955,"end":209.41501,"sentiment":"neutral","sentiment_score":0.004831480968277901},{"text":"We are, yeah, looking at about $1.00 5 is what I'm kind of looking at.","start":211.54,"end":217.48,"sentiment":"neutral","sentiment_score":0.017402798992892106}],"sentiment":"neutral","sentiment_score":0.0011784237460233272,"num_words":40,"start":191.93001,"end":217.48},{"sentences":[{"text":"Cool.","start":218.18,"end":218.68,"sentiment":"neutral","sentiment_score":0.2599509060382843},{"text":"Alright.","start":218.73999,"end":219.23999,"sentiment":"neutral","sentiment_score":0.27210623025894165},{"text":"So that gives us alright.","start":219.54,"end":228.355,"sentiment":"neutral","sentiment_score":0.31972275376319886},{"text":"Cool.","start":228.355,"end":228.755,"sentiment":"positive","sentiment_score":0.5616531372070312},{"text":"So that gives us a good income based start.","start":228.755,"end":231.575,"sentiment":"positive","sentiment_score":0.5502017140388489}],"sentiment":"positive","sentiment_score":0.4496552628629348,"num_words":17,"start":218.18,"end":231.575},{"sentences":[{"text":"And then how are we going expenses wise, savings wise with the move?","start":232.435,"end":238.455,"sentiment":"neutral","sentiment_score":0.11865379260136531},{"text":"Well then.","start":242.12,"end":242.93999,"sentiment":"neutral","sentiment_score":0.019550577737390995},{"text":"Yep.","start":248.92,"end":249.42,"sentiment":"neutral","sentiment_score":-0.06319807469844818},{"text":"Okay.","start":251.975,"end":252.475,"sentiment":"neutral","sentiment_score":0.041831135749816895},{"text":"That's okay.","start":253.735,"end":254.63501,"sentiment":"neutral","sentiment_score":0.07066361606121063}],"sentiment":"neutral","sentiment_score":0.08955582907717478,"num_words":19,"start":232.435,"end":254.63501},{"sentences":[{"text":"Generally, on a week to week, how do we go?","start":255.49501,"end":257.575,"sentiment":"neutral","sentiment_score":0.0517558790743351},{"text":"Because I know that you had, like, a a bit of a you had the a personal loan and a and a car loan.","start":257.575,"end":263.755,"sentiment":"neutral","sentiment_score":-0.003639191078643004},{"text":"Yep.","start":267.78,"end":268.28,"sentiment":"neutral","sentiment_score":0.05899251252412796},{"text":"Perfect.","start":274.98,"end":275.48,"sentiment":"positive","sentiment_score":0.34352415800094604},{"text":"Yeah.","start":280.885,"end":281.385,"sentiment":"neutral","sentiment_score":0.07568623870611191}],"sentiment":"neutral","sentiment_score":0.024551922002354183,"num_words":37,"start":255.49501,"end":281.385},{"sentences":[{"text":"Yep.","start":289.94,"end":290.41998,"sentiment":"neutral","sentiment_score":0.03652004152536392},{"text":"What's okay.","start":290.41998,"end":292.5,"sentiment":"neutral","sentiment_score":0.02294438797980547},{"text":"What's our rent?","start":292.5,"end":293.47998,"sentiment":"neutral","sentiment_score":0.01274771677951018},{"text":"Yep.","start":294.41998,"end":294.91998,"sentiment":"neutral","sentiment_score":0.013685586862266064},{"text":"$4.20.","start":296.34,"end":297.24,"sentiment":"neutral","sentiment_score":0.01836465671658516}],"sentiment":"neutral","sentiment_score":0.019087776425294578,"num_words":8,"start":289.94,"end":297.24},{"sentences":[{"text":"Perfect.","start":297.46,"end":297.96,"sentiment":"positive","sentiment_score":0.4488517642021179},{"text":"And our credit card?","start":300.02,"end":301.32,"sentiment":"neutral","sentiment_score":0.10752653330564499},{"text":"Okay.","start":307.55502,"end":308.05502,"sentiment":"neutral","sentiment_score":0.006902324967086315},{"text":"Do we owe anything on them, or do we just use them for living expenses?","start":308.11502,"end":311.095,"sentiment":"neutral","sentiment_score":-0.005635981882611911},{"text":"Perfect.","start":314.21,"end":314.53,"sentiment":"neutral","sentiment_score":0.2391988635063171}],"sentiment":"neutral","sentiment_score":0.04729633443904194,"num_words":22,"start":297.46,"end":314.53},{"sentences":[{"text":"What's our limit on the two of them combined?","start":314.53,"end":316.71,"sentiment":"neutral","sentiment_score":0.00840941940744718},{"text":"Okay.","start":326.86502,"end":327.265,"sentiment":"neutral","sentiment_score":-0.00045233964920043945},{"text":"And the one that you have open, what's the limit on the open one?","start":327.265,"end":332.245,"sentiment":"neutral","sentiment_score":-0.0015570743094680697},{"text":"Perfect.","start":334.625,"end":335.125,"sentiment":"positive","sentiment_score":0.4077240228652954},{"text":"So it's just gonna give us an enough to be able to do our living expenses?","start":335.42502,"end":339.20502,"sentiment":"neutral","sentiment_score":0.22341366484761238}],"sentiment":"neutral","sentiment_score":0.09843356231981377,"num_words":41,"start":314.53,"end":339.20502},{"sentences":[{"text":"Yep.","start":340.80002,"end":341.30002,"sentiment":"neutral","sentiment_score":0.2125099152326584},{"text":"Perfect.","start":342.72,"end":343.22,"sentiment":"positive","sentiment_score":0.43060803413391113},{"text":"So once we pay off the the 4,000 owing, we'll be able to go from there.","start":343.28,"end":349.86002,"sentiment":"neutral","sentiment_score":0.23554065637290478},{"text":"Fantastic.","start":350.24,"end":350.74,"sentiment":"positive","sentiment_score":0.4788855910301209},{"text":"Now with regards to where our address, what is the address for the new place that you're at?","start":352.24503,"end":363.78,"sentiment":"neutral","sentiment_score":0.097531216012107}],"sentiment":"neutral","sentiment_score":0.17962745758327278,"num_words":37,"start":340.80002,"end":363.78},{"sentences":[{"text":"Okay.","start":367.78,"end":368.02,"sentiment":"neutral","sentiment_score":0.033206239342689514},{"text":"At Centenary Heights.","start":368.02,"end":369.22,"sentiment":"neutral","sentiment_score":0.070676788687706},{"text":"Fantastic.","start":369.22,"end":369.72,"sentiment":"positive","sentiment_score":0.42731648683547974},{"text":"Alright.","start":370.02,"end":370.42,"sentiment":"neutral","sentiment_score":0.13971495628356934},{"text":"Cool.","start":370.42,"end":370.92,"sentiment":"neutral","sentiment_score":0.28577280044555664}],"sentiment":"neutral","sentiment_score":0.15686297842434474,"num_words":7,"start":367.78,"end":370.92},{"sentences":[{"text":"Thanks, Newnan.","start":372.26,"end":372.9,"sentiment":"positive","sentiment_score":0.4502100944519043},{"text":"That's okay.","start":372.9,"end":373.3,"sentiment":"neutral","sentiment_score":0.21635939180850983},{"text":"I just wanted to double check.","start":373.3,"end":374.68,"sentiment":"neutral","sentiment_score":0.08253968693315983},{"text":"Alright.","start":375.62,"end":376.1,"sentiment":"neutral","sentiment_score":0.24615120887756348},{"text":"Amazing.","start":376.1,"end":376.6,"sentiment":"positive","sentiment_score":0.4297086298465729}],"sentiment":"neutral","sentiment_score":0.20868641107032695,"num_words":12,"start":372.26,"end":376.6},{"sentences":[{"text":"So that covers off, I guess, the the couple of did bits that would have been mismatched for the last twelve months.","start":376.66,"end":383.19498,"sentiment":"neutral","sentiment_score":0.0017240768806500869},{"text":"So goals wise, I know that one of the things that you were looking at over the last twelve months was you were gonna get your teeth done.","start":384.13498,"end":390.535,"sentiment":"neutral","sentiment_score":0.027718598089580024},{"text":"Did you end up getting that done?","start":390.535,"end":391.995,"sentiment":"neutral","sentiment_score":-0.014864761382341385},{"text":"Wow.","start":402.44,"end":402.94,"sentiment":"neutral","sentiment_score":0.02968951314687729},{"text":"Yeah.","start":410.535,"end":411.035,"sentiment":"neutral","sentiment_score":0.044721927493810654}],"sentiment":"neutral","sentiment_score":0.013295060149946455,"num_words":59,"start":376.66,"end":411.035},{"sentences":[{"text":"Alright.","start":413.335,"end":413.815,"sentiment":"neutral","sentiment_score":0.1722484678030014},{"text":"Perfect.","start":413.815,"end":414.315,"sentiment":"positive","sentiment_score":0.4184499382972718},{"text":"Later goal.","start":418.5,"end":419.4,"sentiment":"neutral","sentiment_score":0.25243647396564484},{"text":"Fantastic.","start":419.53998,"end":420.03998,"sentiment":"neutral","sentiment_score":0.02353338524699211},{"text":"So I guess that being a bit of a later goal, so something so, I guess, something that we look at in, you know, maybe two to three years' time.","start":420.97998,"end":428.52,"sentiment":"neutral","sentiment_score":0.10923943929374218}],"sentiment":"neutral","sentiment_score":0.1256082262311663,"num_words":35,"start":413.335,"end":428.52},{"sentences":[{"text":"Yeah.","start":429.795,"end":430.295,"sentiment":"neutral","sentiment_score":0.23108553886413577},{"text":"What is what goals are you currently sort of focused on?","start":431.635,"end":436.035,"sentiment":"neutral","sentiment_score":0.2601771043105559},{"text":"Are we still very much in the same, I guess, area?","start":436.035,"end":440.035,"sentiment":"neutral","sentiment_score":0.22016151791269128},{"text":"Like, when we spoke last, we were talking about being comfortable in retirement, not having any debts, wanting to be able to travel and see your grandchildren.","start":440.035,"end":447.57,"sentiment":"positive","sentiment_score":0.43364390786047335},{"text":"You wanted to make sure that your debt and income were covered so that in the event that anything happened to you, you were able to keep working until you're well into your sixties.","start":449.79,"end":463.735,"sentiment":"positive","sentiment_score":0.4684763655943029}],"sentiment":"positive","sentiment_score":0.3946594324495111,"num_words":84,"start":429.795,"end":463.735},{"sentences":[{"text":"And that you just sort of wanted to I mean, you have done that already, so big tick there.","start":465.635,"end":470.115,"sentiment":"positive","sentiment_score":0.4844828420563748},{"text":"You you wanted to settle into the new town and and and just work on on paying down the debts, build up some savings, spend spend time with the family, stuff like that.","start":470.115,"end":480.25,"sentiment":"positive","sentiment_score":0.48627842285416345},{"text":"Is that still the sort of okay.","start":480.25,"end":484.01,"sentiment":"neutral","sentiment_score":0.1703140554683549},{"text":"Is there anything else goal wise that I need to be aware of or know about?","start":484.01,"end":488.27,"sentiment":"neutral","sentiment_score":0.09395512961782515},{"text":"Yeah.","start":496.70502,"end":497.20502,"sentiment":"neutral","sentiment_score":0.07784035801887512}],"sentiment":"positive","sentiment_score":0.3687589838610668,"num_words":76,"start":465.635,"end":497.20502},{"sentences":[{"text":"Yeah.","start":508.08,"end":508.58,"sentiment":"neutral","sentiment_score":-0.04754003882408142},{"text":"Yeah.","start":509.44,"end":509.94,"sentiment":"neutral","sentiment_score":0.032574351876974106},{"text":"It's possible that we like, that you could get a loan to pay a buyer unit, and then as an exit strategy, your superannuation can be used to pay off the balance of the loan.","start":514.33496,"end":528.74,"sentiment":"neutral","sentiment_score":0.09949052174176488},{"text":"That is something that that I have done multiple times with clients who are a little bit older, who are wanting to get into a home, is that you know?","start":528.88,"end":540.885,"sentiment":"neutral","sentiment_score":0.03701276294887066},{"text":"Because the ultimately, the the lender needs to know that there is security or assurance that the that the loan is gonna get paid.","start":541.045,"end":548.745,"sentiment":"neutral","sentiment_score":-0.046696888438115515}],"sentiment":"neutral","sentiment_score":0.037987474065560564,"num_words":91,"start":508.08,"end":548.745},{"sentences":[{"text":"So if you have an exit strategy around basically utilizing the superannuation to do so, But it's gonna be tight because, obviously, you know, we're 58.","start":549.445,"end":565.89,"sentiment":"neutral","sentiment_score":-0.0900874023970503},{"text":"Am I doing that math right?","start":566.59,"end":568.05,"sentiment":"neutral","sentiment_score":-0.2743910352389018},{"text":"I'm not doing that math right at all.","start":571.725,"end":573.905,"sentiment":"negative","sentiment_score":-0.4894009083509445},{"text":"You turned you turned 60 this month, don't you?","start":580.3,"end":583.84,"sentiment":"neutral","sentiment_score":0.04474960143367449},{"text":"Yeah.","start":585.10004,"end":585.60004,"sentiment":"neutral","sentiment_score":0.12766608595848083}],"sentiment":"neutral","sentiment_score":-0.14746826883405448,"num_words":50,"start":549.445,"end":585.60004},{"sentences":[{"text":"I was doing that math.","start":586.38,"end":587.58,"sentiment":"neutral","sentiment_score":0.013769936561584473},{"text":"I was doing that math completely wrong.","start":587.58,"end":589.28,"sentiment":"negative","sentiment_score":-0.41261050530842375},{"text":"Yeah.","start":590.94,"end":591.18,"sentiment":"neutral","sentiment_score":-0.0041634030640125275},{"text":"So you with you being 60, it's it's gonna be a little bit tight with regards to getting a loan and and That's a perfect strategy.","start":591.18,"end":604.395,"sentiment":"neutral","sentiment_score":0.04510219087107824},{"text":"That's my favorite one.","start":604.395,"end":605.695,"sentiment":"positive","sentiment_score":0.7402345091104507}],"sentiment":"neutral","sentiment_score":0.03046529631801816,"num_words":43,"start":586.38,"end":605.695},{"sentences":[{"text":"Yeah.","start":608.7,"end":609.18,"sentiment":"positive","sentiment_score":0.3867255747318268},{"text":"I mean, that's always definitely a definitely an option.","start":609.18,"end":611.6,"sentiment":"positive","sentiment_score":0.4074196782377031},{"text":"But, really, you know, your income is pretty good with what you're doing.","start":614.46,"end":617.9,"sentiment":"positive","sentiment_score":0.36131396087316364},{"text":"You've you've increased your income exponentially from, like, the 74,000 you were on previously.","start":617.9,"end":623.495,"sentiment":"positive","sentiment_score":0.3649094764675413},{"text":"So you've got you've got a bit of income coming in from there.","start":623.95496,"end":627.33496,"sentiment":"neutral","sentiment_score":0.249997453047679}],"sentiment":"positive","sentiment_score":0.34218567460775373,"num_words":50,"start":608.7,"end":627.33496},{"sentences":[{"text":"So with with with with the increase in income, if, you know, serviceability wise, we might be able to push it across the line, but it would have to be the cost is what it's gonna really come down to.","start":635.49,"end":649.35504,"sentiment":"neutral","sentiment_score":0.1561817593406886},{"text":"Have you looked at what cost we could look at?","start":650.055,"end":652.935,"sentiment":"neutral","sentiment_score":0.012070205062627792},{"text":"Because what I can do is I can reach out to some of my, like, brokers that I I deal with and see if there's any capacity for us to be able to maybe see that's come to fruition.","start":652.935,"end":664.70996,"sentiment":"neutral","sentiment_score":0.12975177207054236},{"text":"Yeah.","start":669.73,"end":670.23,"sentiment":"neutral","sentiment_score":0.04941476136445999},{"text":"Okay.","start":671.01,"end":671.51,"sentiment":"neutral","sentiment_score":0.07538775354623795}],"sentiment":"neutral","sentiment_score":0.1269570774716008,"num_words":91,"start":635.49,"end":671.51},{"sentences":[{"text":"So Stands and Henry Heights.","start":671.57,"end":673.11,"sentiment":"neutral","sentiment_score":0.06713099330663681},{"text":"Yep.","start":676.645,"end":677.145,"sentiment":"neutral","sentiment_score":0.07451415061950684},{"text":"Yep.","start":684.565,"end":685.065,"sentiment":"neutral","sentiment_score":0.0676695927977562},{"text":"Okay.","start":685.86,"end":686.36,"sentiment":"neutral","sentiment_score":0.06349792331457138},{"text":"Christmas.","start":691.86,"end":692.36,"sentiment":"neutral","sentiment_score":0.07253766804933548}],"sentiment":"neutral","sentiment_score":0.06820825570159489,"num_words":9,"start":671.57,"end":692.36},{"sentences":[{"text":"03:50 to four hundred.","start":694.74,"end":696.02,"sentiment":"neutral","sentiment_score":0.038662174716591835},{"text":"Okay.","start":696.02,"end":696.42,"sentiment":"neutral","sentiment_score":0.15353165566921234},{"text":"Because what I'll do is I'll reach out to some of my brokers and just start like, I'll put the fields out and and, I guess, put you forward as a as, like, a a case to see what they say in response whether it's it's possible that we could do something in that area.","start":696.42,"end":712.985,"sentiment":"neutral","sentiment_score":0.18900715434415774},{"text":"Would you be comfortable using your superannuation as the as, like, as the, I guess, final payment plan for that mortgage?","start":714.14996,"end":723.44995,"sentiment":"neutral","sentiment_score":0.2183559224719093},{"text":"Obviously, working as long as you can to pay the mortgage down over the next few years and then, you know, come retirement using your superannuation to pay off the remainder of the mortgage.","start":723.75,"end":735.165,"sentiment":"neutral","sentiment_score":0.3071088124723995}],"sentiment":"neutral","sentiment_score":0.22374563338639944,"num_words":115,"start":694.74,"end":735.165},{"sentences":[{"text":"Is that something you're comfortable with doing?","start":735.165,"end":737.425,"sentiment":"neutral","sentiment_score":0.21008758672646113},{"text":"Because that would be the strategy that we'd be looking at doing if that's the case.","start":737.565,"end":741.26495,"sentiment":"neutral","sentiment_score":0.24196221958845854},{"text":"Okay.","start":745.26,"end":745.76,"sentiment":"neutral","sentiment_score":0.10723960399627686},{"text":"Because what we could probably look at doing is, like, kinda going for a a shorter mortgage term with the broker and and see where that lands us and and go from there with regards to paying it off.","start":746.13995,"end":757.065,"sentiment":"neutral","sentiment_score":0.19520737116153425},{"text":"It means that we're then like, we're living on Centrelink for an income.","start":757.145,"end":761.965,"sentiment":"neutral","sentiment_score":0.21846529382925767}],"sentiment":"neutral","sentiment_score":0.20924190157338193,"num_words":76,"start":735.165,"end":761.965},{"sentences":[{"text":"So it's gonna be a a bit of a drastic difference between, you know, your income now and going on to Centrelink income.","start":762.985,"end":771.325,"sentiment":"neutral","sentiment_score":0.06489225638949353},{"text":"But it depends on your comfort level.","start":773.46,"end":777.0,"sentiment":"neutral","sentiment_score":0.0862164603812354},{"text":"It's you know, if we wanna get into a home, this is the way we'd have to probably look at doing it.","start":777.22,"end":781.22,"sentiment":"neutral","sentiment_score":0.19394852898337625},{"text":"I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy.","start":781.22,"end":787.755,"sentiment":"neutral","sentiment_score":-0.043240421487448305},{"text":"But sorry.","start":794.955,"end":797.135,"sentiment":"neutral","sentiment_score":0.07404045388102531}],"sentiment":"neutral","sentiment_score":0.06733418382937088,"num_words":80,"start":762.985,"end":797.135},{"sentences":[{"text":"But once but once we're in our home, obviously, that gives us security and assurance.","start":798.795,"end":803.66003,"sentiment":"neutral","sentiment_score":0.2351798802614212},{"text":"And then depend it is.","start":804.04004,"end":807.32,"sentiment":"neutral","sentiment_score":0.22973806262016297},{"text":"It means that, you know, you're leaving something for the kids as well.","start":807.32,"end":810.3,"sentiment":"neutral","sentiment_score":0.2845216187146994},{"text":"So if, you know, if, you know, when you when you do pass on, the kids have an asset that becomes theirs or becomes, you know, something for them to to have salon or or or rent out and have residual income from an like a, you know, estate planning or family planning point of view.","start":810.36,"end":830.505,"sentiment":"neutral","sentiment_score":0.22947672488433973},{"text":"But looking after you was obviously the primary outcome that we wanna focus on.","start":831.0,"end":835.48004,"sentiment":"positive","sentiment_score":0.33832476075206486}],"sentiment":"neutral","sentiment_score":0.2520622602365549,"num_words":103,"start":798.795,"end":835.48004},{"sentences":[{"text":"We wanna make sure that you're comfortable in in in your life, not just looking after the kids.","start":835.48004,"end":841.18,"sentiment":"positive","sentiment_score":0.4302888015906016},{"text":"Then getting a house is, you know, a nice to have, not anything else.","start":841.96,"end":846.265,"sentiment":"positive","sentiment_score":0.5000773724168539},{"text":"Yeah.","start":850.565,"end":850.965,"sentiment":"neutral","sentiment_score":0.0016707461327314377},{"text":"Okay.","start":850.965,"end":851.445,"sentiment":"neutral","sentiment_score":0.034123409539461136},{"text":"No.","start":851.445,"end":851.605,"sentiment":"neutral","sentiment_score":-0.01360207051038742}],"sentiment":"positive","sentiment_score":0.42195639221795966,"num_words":35,"start":835.48004,"end":851.605},{"sentences":[{"text":"That's perfect.","start":851.605,"end":852.325,"sentiment":"positive","sentiment_score":0.47249753773212433},{"text":"I will do the homework and look into it and see where we land on that.","start":852.325,"end":855.945,"sentiment":"neutral","sentiment_score":0.2991531556472182},{"text":"Obviously, I can ask the questions.","start":856.565,"end":858.105,"sentiment":"neutral","sentiment_score":0.08027360153694947},{"text":"Aside from honestly, it's it's still it's still my plan.","start":860.39,"end":868.17004,"sentiment":"neutral","sentiment_score":-0.03928480949252844},{"text":"I mean, I've been married for a decade, and I'm I'm still looking.","start":868.31,"end":871.45,"sentiment":"neutral","sentiment_score":-0.013011748508478586}],"sentiment":"neutral","sentiment_score":0.12023587977672194,"num_words":47,"start":851.605,"end":871.45},{"sentences":[{"text":"So you've been oh, it's a bit hard to yeah.","start":877.905,"end":884.16504,"sentiment":"neutral","sentiment_score":-0.17872706651687623},{"text":"Going going from being alone for the last two decades and and then trying to live with a man.","start":888.0,"end":896.02,"sentiment":"neutral","sentiment_score":-0.16452095226237648},{"text":"Oh, some days.","start":901.545,"end":902.52496,"sentiment":"neutral","sentiment_score":0.017612094059586525},{"text":"Perfect.","start":906.26495,"end":906.76495,"sentiment":"neutral","sentiment_score":0.24929094314575195},{"text":"So I guess, superannuation wise, are you still very comfortable with the direction Kyle was looking at heading in twelve months ago?","start":906.90497,"end":915.28,"sentiment":"neutral","sentiment_score":0.02484287643297152}],"sentiment":"neutral","sentiment_score":-0.07389996820552783,"num_words":55,"start":877.905,"end":915.28},{"sentences":[{"text":"We obviously didn't execute it because a lot of things were happening in your world at the time.","start":915.28,"end":919.62,"sentiment":"neutral","sentiment_score":-0.1094778072502878},{"text":"Obviously, things have changed with the economic climate and and where things land now.","start":921.44,"end":927.22,"sentiment":"neutral","sentiment_score":-0.07068129602287497},{"text":"But what too right.","start":927.615,"end":931.615,"sentiment":"neutral","sentiment_score":-0.002825225703418255},{"text":"I love too right.","start":931.615,"end":932.755,"sentiment":"neutral","sentiment_score":0.1452120691537857},{"text":"But what I can do is, I guess, refresh everything.","start":935.135,"end":938.575,"sentiment":"neutral","sentiment_score":0.06207235082983971}],"sentiment":"neutral","sentiment_score":-0.03539735585451126,"num_words":50,"start":915.28,"end":938.575},{"sentences":[{"text":"Have a have a have a good look over where things fit.","start":938.575,"end":941.07,"sentiment":"neutral","sentiment_score":0.13817760658760866},{"text":"Obviously gonna reach out to my brokers.","start":941.23,"end":943.41003,"sentiment":"neutral","sentiment_score":0.07308991572686604},{"text":"I have a gorgeous lady by the name of Brooke.","start":944.11,"end":946.37,"sentiment":"neutral","sentiment_score":0.2937439762055874},{"text":"Yeah.","start":947.07,"end":947.57,"sentiment":"neutral","sentiment_score":0.1255567967891693},{"text":"Yep.","start":952.11,"end":952.61,"sentiment":"neutral","sentiment_score":0.12791210412979126}],"sentiment":"neutral","sentiment_score":0.1729248178101355,"num_words":31,"start":938.575,"end":952.61},{"sentences":[{"text":"Yeah.","start":964.28503,"end":964.78503,"sentiment":"neutral","sentiment_score":0.12528206408023834},{"text":"Yeah.","start":971.99,"end":972.49,"sentiment":"neutral","sentiment_score":0.20643074810504913},{"text":"You're comfortable to do so.","start":972.87,"end":974.14996,"sentiment":"neutral","sentiment_score":0.3201340973377228},{"text":"You're not slowing down anytime soon.","start":974.14996,"end":977.85,"sentiment":"neutral","sentiment_score":0.11508857210477193},{"text":"I love that.","start":985.605,"end":986.485,"sentiment":"positive","sentiment_score":0.6597634553909302}],"sentiment":"neutral","sentiment_score":0.2876378186047077,"num_words":16,"start":964.28503,"end":986.485},{"sentences":[{"text":"So I was I was about to ask, when when do you go to Bali?","start":986.485,"end":989.865,"sentiment":"neutral","sentiment_score":0.09221200676014026},{"text":"I love that my in laws move my in laws moved to Bali three years ago now, and they're loving it.","start":1001.94,"end":1010.83496,"sentiment":"neutral","sentiment_score":0.23228090682200023},{"text":"That's where they are.","start":1014.015,"end":1015.315,"sentiment":"neutral","sentiment_score":0.042496925219893456},{"text":"Yeah.","start":1016.98,"end":1017.48,"sentiment":"neutral","sentiment_score":0.23612776398658752},{"text":"It it does.","start":1018.9,"end":1020.76,"sentiment":"positive","sentiment_score":0.5482608079910278}],"sentiment":"neutral","sentiment_score":0.18890856894325803,"num_words":44,"start":986.485,"end":1020.76},{"sentences":[{"text":"It's stunning.","start":1020.9,"end":1021.8,"sentiment":"positive","sentiment_score":0.6232299208641052},{"text":"If you yep.","start":1021.86,"end":1025.08,"sentiment":"neutral","sentiment_score":0.20523743828137717},{"text":"Absolutely nothing wrong with that.","start":1025.22,"end":1026.84,"sentiment":"positive","sentiment_score":0.5282576560974122},{"text":"Besides a good cocktail on the beach, it's lovely.","start":1027.14,"end":1030.28,"sentiment":"positive","sentiment_score":0.6335703266991509},{"text":"That's the way to do it.","start":1038.125,"end":1039.4249,"sentiment":"neutral","sentiment_score":0.10870044430096944}],"sentiment":"positive","sentiment_score":0.4343118417263031,"num_words":25,"start":1020.9,"end":1039.4249},{"sentences":[{"text":"Yeah.","start":1042.9249,"end":1043.4249,"sentiment":"neutral","sentiment_score":0.09744106978178024},{"text":"In Bali, enjoying it.","start":1044.205,"end":1046.065,"sentiment":"neutral","sentiment_score":0.14497395977377892},{"text":"So when do you fly out?","start":1047.71,"end":1049.07,"sentiment":"neutral","sentiment_score":-0.00032651470974087715},{"text":"Just so I can make sure that I I'm sick.","start":1049.07,"end":1052.2899,"sentiment":"neutral","sentiment_score":-0.028192421607673167},{"text":"Yep.","start":1053.23,"end":1053.73,"sentiment":"neutral","sentiment_score":-0.02696898579597473}],"sentiment":"neutral","sentiment_score":0.01665839176117019,"num_words":22,"start":1042.9249,"end":1053.73},{"sentences":[{"text":"Any second.","start":1059.1649,"end":1059.8049,"sentiment":"neutral","sentiment_score":-0.005079826572909951},{"text":"Alright.","start":1059.8049,"end":1060.125,"sentiment":"neutral","sentiment_score":0.01675715297460556},{"text":"So you've gone that.","start":1060.125,"end":1061.265,"sentiment":"neutral","sentiment_score":0.029557276517152786},{"text":"Perfect.","start":1061.8049,"end":1062.2849,"sentiment":"neutral","sentiment_score":0.27775290608406067},{"text":"That's okay.","start":1062.2849,"end":1063.0249,"sentiment":"neutral","sentiment_score":0.17153482884168625}],"sentiment":"neutral","sentiment_score":0.074564916966483,"num_words":10,"start":1059.1649,"end":1063.0249},{"sentences":[{"text":"So for me to go ahead and start looking at things, you've given me pretty much everything.","start":1063.245,"end":1068.765,"sentiment":"neutral","sentiment_score":0.1064081448404228},{"text":"Like, you've got 2 and a half grand saved.","start":1068.765,"end":1070.365,"sentiment":"neutral","sentiment_score":0.09000202351146275},{"text":"That's that's fine.","start":1070.365,"end":1071.4249,"sentiment":"neutral","sentiment_score":0.12778777380784354},{"text":"I've got an update on where all your debts sit.","start":1071.565,"end":1073.9049,"sentiment":"neutral","sentiment_score":-0.01968187019228935},{"text":"The debts that you you hold for your kids, a little bit painful from a claims perspective.","start":1074.32,"end":1079.54,"sentiment":"neutral","sentiment_score":-0.11648625705172033}],"sentiment":"neutral","sentiment_score":0.014736337919852563,"num_words":56,"start":1063.245,"end":1079.54},{"sentences":[{"text":"Do you know by any chance how much is left on the car loan?","start":1079.76,"end":1083.7,"sentiment":"neutral","sentiment_score":-0.021809019414441928},{"text":"Pay thing left.","start":1093.285,"end":1094.265,"sentiment":"neutral","sentiment_score":-0.008154172139863173},{"text":"Okay.","start":1094.645,"end":1095.145,"sentiment":"neutral","sentiment_score":0.07433059811592102},{"text":"Perfect.","start":1096.485,"end":1096.985,"sentiment":"neutral","sentiment_score":0.19272634387016296},{"text":"That's okay.","start":1097.045,"end":1097.4451,"sentiment":"neutral","sentiment_score":0.12806950882077217}],"sentiment":"neutral","sentiment_score":0.009209865305040563,"num_words":21,"start":1079.76,"end":1097.4451},{"sentences":[{"text":"It's it's in your name, but she pays for it.","start":1097.4451,"end":1099.125,"sentiment":"neutral","sentiment_score":0.044215387850999835},{"text":"That's okay.","start":1099.125,"end":1099.685,"sentiment":"neutral","sentiment_score":0.04533318988978863},{"text":"So I'll yeah.","start":1099.685,"end":1101.04,"sentiment":"neutral","sentiment_score":0.045081653321782746},{"text":"We can probably get away with, like, a a stat deck saying that it's not your responsibility to pay, and we can go from there.","start":1101.04,"end":1107.92,"sentiment":"neutral","sentiment_score":-0.048664880841970445},{"text":"And I'll have a chat to Brooke.","start":1107.92,"end":1109.7001,"sentiment":"neutral","sentiment_score":0.04156047797628811}],"sentiment":"neutral","sentiment_score":-0.0054815629140493715,"num_words":47,"start":1097.4451,"end":1109.7001},{"sentences":[{"text":"Yeah.","start":1113.135,"end":1113.635,"sentiment":"neutral","sentiment_score":0.0483538918197155},{"text":"Perfect.","start":1116.655,"end":1117.135,"sentiment":"positive","sentiment_score":0.6815769076347351},{"text":"It's just yeah.","start":1117.135,"end":1117.775,"sentiment":"positive","sentiment_score":0.5129440824190775},{"text":"You were just helping helping your daughter out.","start":1117.775,"end":1120.175,"sentiment":"positive","sentiment_score":0.5605160519480705},{"text":"It's what we do as parents.","start":1120.175,"end":1121.475,"sentiment":"positive","sentiment_score":0.39055169125398}],"sentiment":"positive","sentiment_score":0.47874745314842776,"num_words":19,"start":1113.135,"end":1121.475},{"sentences":[{"text":"Yep.","start":1123.6951,"end":1124.1951,"sentiment":"neutral","sentiment_score":0.08332954347133636},{"text":"I have I've got three of my own.","start":1124.75,"end":1126.5901,"sentiment":"neutral","sentiment_score":0.018194912001490593},{"text":"Mine are a little still a little bit younger.","start":1126.5901,"end":1128.4501,"sentiment":"neutral","sentiment_score":-0.010029687442713313},{"text":"But so they are.","start":1128.734,"end":1132.37,"sentiment":"neutral","sentiment_score":0.028863296378403902},{"text":"Nope.","start":1136.67,"end":1137.17,"sentiment":"neutral","sentiment_score":-0.12350881099700928}],"sentiment":"neutral","sentiment_score":0.005676783783280332,"num_words":23,"start":1123.6951,"end":1137.17},{"sentences":[{"text":"I actually had the pleasure of being able to call my mother the other day and apologize for something that I used to do as a kid because my kids decided to turn around and, you know, do it back as as that life cycle happens.","start":1137.2749,"end":1149.0549,"sentiment":"neutral","sentiment_score":-0.07480486741532451},{"text":"Karma sucks.","start":1150.8501,"end":1151.7301,"sentiment":"negative","sentiment_score":-0.6588610112667084},{"text":"Yep.","start":1151.7301,"end":1152.2301,"sentiment":"neutral","sentiment_score":-0.08586543053388596},{"text":"So I'll have a look at this.","start":1155.7301,"end":1157.17,"sentiment":"neutral","sentiment_score":-0.002068633047331657},{"text":"I'll start looking at I'll have a look at properties in around Crows Nest, Centenary Heights, that kinda area, and see what our valuation's actually looking like, whether $35,400 is realistic or whether the the the property margins are higher.","start":1157.17,"end":1172.305,"sentiment":"neutral","sentiment_score":-0.0015458642970770597}],"sentiment":"neutral","sentiment_score":-0.051259649556110766,"num_words":96,"start":1137.2749,"end":1172.305},{"sentences":[{"text":"I'll reach out to Brooke, my broker, and see what we're dealing with and whether it's a possibility for us to, you know, do what we're doing, possibly use some of our super as a deposit, exit strategy through super, pay it off, see what you know, if we went for a ten year term, what that kinda looks like.","start":1172.685,"end":1188.36,"sentiment":"neutral","sentiment_score":0.04962788329770167},{"text":"I think the only thing I'm missing is, firstly, what kind of money do you put away in savings, like, outside of your rent and everything you used to live?","start":1188.82,"end":1198.125,"sentiment":"neutral","sentiment_score":-0.1722361035645008},{"text":"What do you normally save?","start":1198.825,"end":1200.125,"sentiment":"neutral","sentiment_score":-0.1262388840317726},{"text":"Yeah.","start":1206.12,"end":1206.62,"sentiment":"neutral","sentiment_score":-0.051163770258426666},{"text":"Per week.","start":1210.84,"end":1211.48,"sentiment":"neutral","sentiment_score":0.25947636365890503}],"sentiment":"neutral","sentiment_score":-0.024008322165024524,"num_words":98,"start":1172.685,"end":1211.48},{"sentences":[{"text":"Fantastic.","start":1211.48,"end":1211.98,"sentiment":"positive","sentiment_score":0.6836297512054443},{"text":"That yeah.","start":1212.28,"end":1214.62,"sentiment":"neutral","sentiment_score":0.03305572085082531},{"text":"No.","start":1215.08,"end":1215.32,"sentiment":"neutral","sentiment_score":0.012448392808437347},{"text":"Of course.","start":1215.32,"end":1215.72,"sentiment":"neutral","sentiment_score":0.04645515978336334},{"text":"Like, at the moment, holiday aside, absolutely.","start":1215.72,"end":1217.98,"sentiment":"neutral","sentiment_score":0.055952000830854685}],"sentiment":"neutral","sentiment_score":0.0959049162383263,"num_words":13,"start":1211.48,"end":1217.98},{"sentences":[{"text":"But what I'll perfect.","start":1219.455,"end":1223.135,"sentiment":"neutral","sentiment_score":0.23412021808326244},{"text":"So what I'll do is I'll consider that because what we can do is we can have a strategy where, you know, maybe we're paying something to the, you know, $900 effect of the mortgage each each week if we do go with a mortgage so we can bring that term down, and I'll talk to Brooke and go from there on that sort of planning side of things.","start":1223.135,"end":1241.91,"sentiment":"neutral","sentiment_score":0.16270846884319748},{"text":"And then the only other thing I need is I would need an updated statement from your superannuation fund so I can have a look at that and see where it's sitting.","start":1243.57,"end":1251.465,"sentiment":"neutral","sentiment_score":0.055271589604672045},{"text":"Because, obviously, the last one we got was twelve months ago, and things have changed a little bit.","start":1251.465,"end":1255.805,"sentiment":"neutral","sentiment_score":-0.06835754008756743},{"text":"Yeah.","start":1264.2001,"end":1264.7001,"sentiment":"neutral","sentiment_score":0.014847422018647194}],"sentiment":"neutral","sentiment_score":0.10255215959923883,"num_words":124,"start":1219.455,"end":1264.7001},{"sentences":[{"text":"Perfect.","start":1274.655,"end":1275.155,"sentiment":"positive","sentiment_score":0.336697518825531},{"text":"That's beautiful.","start":1275.215,"end":1275.955,"sentiment":"positive","sentiment_score":0.5052240788936615},{"text":"Yeah.","start":1284.99,"end":1285.47,"sentiment":"neutral","sentiment_score":0.014015905559062958},{"text":"No.","start":1285.47,"end":1285.7101,"sentiment":"neutral","sentiment_score":-0.012196101248264313},{"text":"That's okay.","start":1285.7101,"end":1286.35,"sentiment":"neutral","sentiment_score":0.02560435701161623}],"sentiment":"neutral","sentiment_score":0.20002488499241217,"num_words":7,"start":1274.655,"end":1286.35},{"sentences":[{"text":"And we're not gonna make a, you know, drastic move or a big jump soon.","start":1286.35,"end":1290.77,"sentiment":"neutral","sentiment_score":-0.04531302154064178},{"text":"We can we can time it a little bit.","start":1291.23,"end":1293.25,"sentiment":"neutral","sentiment_score":0.034101798509558044},{"text":"But what I'll do is if I can send you an email and you can respond to it with a statement, or if you're comfortable, I can pop you over to Maddie now, and she can grab the details with you if you can log in to the account.","start":1293.87,"end":1306.675,"sentiment":"neutral","sentiment_score":0.10789294404034712},{"text":"It's up to you which way you wanna do it.","start":1306.675,"end":1308.455,"sentiment":"neutral","sentiment_score":0.1364469923079014},{"text":"Yeah.","start":1311.17,"end":1311.67,"sentiment":"neutral","sentiment_score":0.16139353811740875}],"sentiment":"neutral","sentiment_score":0.07666474503154556,"num_words":84,"start":1286.35,"end":1311.67},{"sentences":[{"text":"Perfect.","start":1316.61,"end":1317.11,"sentiment":"neutral","sentiment_score":0.2603212594985962},{"text":"So if you can confirm what the balance is today.","start":1321.01,"end":1324.47,"sentiment":"neutral","sentiment_score":0.05612392276525498},{"text":"This is fantastic.","start":1330.765,"end":1331.505,"sentiment":"positive","sentiment_score":0.8264048099517822},{"text":"And where does our insurance policy sit?","start":1332.845,"end":1336.5249,"sentiment":"neutral","sentiment_score":0.15802007062094553},{"text":"It's been twelve months down the line, so they would possibly have changed.","start":1336.5249,"end":1341.39,"sentiment":"neutral","sentiment_score":0.0022406732090390646}],"sentiment":"neutral","sentiment_score":0.13047188714913585,"num_words":34,"start":1316.61,"end":1341.39},{"sentences":[{"text":"What else?","start":1349.45,"end":1350.19,"sentiment":"neutral","sentiment_score":-0.016662719659507275},{"text":"No IP.","start":1353.725,"end":1354.525,"sentiment":"neutral","sentiment_score":0.015273998491466045},{"text":"Perfect.","start":1354.525,"end":1355.025,"sentiment":"neutral","sentiment_score":0.31014639139175415},{"text":"Okay.","start":1357.5651,"end":1357.885,"sentiment":"neutral","sentiment_score":0.09151646494865416},{"text":"So it's the life insurance only.","start":1357.885,"end":1359.665,"sentiment":"neutral","sentiment_score":0.04991397572060426}],"sentiment":"neutral","sentiment_score":0.05819743902732929,"num_words":12,"start":1349.45,"end":1359.665},{"sentences":[{"text":"Cool.","start":1373.42,"end":1373.92,"sentiment":"neutral","sentiment_score":0.08917120099067688},{"text":"Cool.","start":1380.0751,"end":1380.4751,"sentiment":"neutral","sentiment_score":0.18214598298072815},{"text":"Twenty one twenty one day waiting period to your benefit period.","start":1380.4751,"end":1383.1951,"sentiment":"neutral","sentiment_score":0.0542400118640878},{"text":"Do you know what you pay on the income protection?","start":1383.1951,"end":1386.415,"sentiment":"neutral","sentiment_score":0.009913548408076168},{"text":"Doesn't have a premium written there?","start":1389.9299,"end":1391.63,"sentiment":"neutral","sentiment_score":-0.08772998675704002}],"sentiment":"neutral","sentiment_score":0.015196995793616977,"num_words":29,"start":1373.42,"end":1391.63},{"sentences":[{"text":"Life.","start":1394.8899,"end":1395.3899,"sentiment":"neutral","sentiment_score":-0.0007525691762566566},{"text":"Right.","start":1397.37,"end":1397.61,"sentiment":"neutral","sentiment_score":0.028530556708574295},{"text":"That's okay.","start":1397.61,"end":1398.25,"sentiment":"neutral","sentiment_score":0.08549085259437561},{"text":"I can look at the PDF, and I can find it from there.","start":1398.25,"end":1400.73,"sentiment":"neutral","sentiment_score":0.08869594880021535},{"text":"That's easy enough.","start":1400.73,"end":1401.7899,"sentiment":"neutral","sentiment_score":0.2476984957853953}],"sentiment":"neutral","sentiment_score":0.10474512572400271,"num_words":20,"start":1394.8899,"end":1401.7899},{"sentences":[{"text":"That's easy.","start":1403.635,"end":1404.3551,"sentiment":"neutral","sentiment_score":0.2980109602212906},{"text":"Easy.","start":1404.3551,"end":1404.5951,"sentiment":"neutral","sentiment_score":0.2654306888580322},{"text":"Easy enough.","start":1404.5951,"end":1405.415,"sentiment":"neutral","sentiment_score":0.2379453405737877},{"text":"Alright.","start":1405.4751,"end":1405.875,"sentiment":"neutral","sentiment_score":0.2203044295310974},{"text":"Perfect.","start":1405.875,"end":1406.375,"sentiment":"positive","sentiment_score":0.4772176742553711}],"sentiment":"neutral","sentiment_score":0.29069505631923676,"num_words":7,"start":1403.635,"end":1406.375},{"sentences":[{"text":"That gives me everything.","start":1406.435,"end":1407.3151,"sentiment":"positive","sentiment_score":0.39622585475444794},{"text":"I know what investments are in place because we changed them, so that's too easy on that side.","start":1407.3151,"end":1413.415,"sentiment":"neutral","sentiment_score":0.18266724546750387},{"text":"Amazing.","start":1415.01,"end":1415.4901,"sentiment":"positive","sentiment_score":0.5097159147262573},{"text":"Alright.","start":1415.4901,"end":1415.81,"sentiment":"neutral","sentiment_score":0.23631179332733152},{"text":"Well, what I'll do is I'll start getting in and getting some research happening for you.","start":1415.81,"end":1419.9901,"sentiment":"neutral","sentiment_score":0.15646227449178696}],"sentiment":"neutral","sentiment_score":0.20305844843387605,"num_words":40,"start":1406.435,"end":1419.9901},{"sentences":[{"text":"And would you like we can reconvene and have a chat the week you get back from Bali?","start":1420.6901,"end":1430.115,"sentiment":"neutral","sentiment_score":0.0747294399059481},{"text":"Yeah?","start":1432.0951,"end":1432.495,"sentiment":"neutral","sentiment_score":0.08734390884637833},{"text":"Alright.","start":1432.495,"end":1432.8151,"sentiment":"neutral","sentiment_score":0.05533192679286003},{"text":"So let's lock in twenty third.","start":1432.8151,"end":1438.175,"sentiment":"neutral","sentiment_score":0.034599823877215385},{"text":"Yeah.","start":1438.175,"end":1438.415,"sentiment":"neutral","sentiment_score":0.167209655046463}],"sentiment":"neutral","sentiment_score":0.06898571675022443,"num_words":27,"start":1420.6901,"end":1438.415},{"sentences":[{"text":"Fantastic.","start":1438.415,"end":1438.895,"sentiment":"positive","sentiment_score":0.3745141327381134},{"text":"Let's lock in the twenty third.","start":1438.895,"end":1440.3351,"sentiment":"neutral","sentiment_score":0.13027647882699966},{"text":"Are you okay with 3PM still?","start":1440.3351,"end":1442.515,"sentiment":"neutral","sentiment_score":0.0461500845849514},{"text":"Alright.","start":1444.01,"end":1444.41,"sentiment":"neutral","sentiment_score":0.2224634140729904},{"text":"Perfect.","start":1444.41,"end":1444.8099,"sentiment":"neutral","sentiment_score":0.31138354539871216}],"sentiment":"neutral","sentiment_score":0.13112803151210148,"num_words":15,"start":1438.415,"end":1444.8099},{"sentences":[{"text":"So we'll lock in the twenty third, 3PM, and we can go through and have a chat from there.","start":1444.8099,"end":1450.73,"sentiment":"neutral","sentiment_score":0.15216566073267082},{"text":"I'll jump on the phone with Brooke now and try and catch her before Easter break.","start":1450.73,"end":1454.57,"sentiment":"neutral","sentiment_score":0.12344206403940916},{"text":"If not, I'll catch her next week, and we can go from there.","start":1454.57,"end":1458.03,"sentiment":"neutral","sentiment_score":0.0702749970727242},{"text":"Yeah.","start":1459.865,"end":1460.365,"sentiment":"neutral","sentiment_score":0.0021167576778680086},{"text":"It's just it's a good avenue to look down.","start":1460.745,"end":1462.845,"sentiment":"neutral","sentiment_score":-0.21949806726641125}],"sentiment":"neutral","sentiment_score":0.0656280981513254,"num_words":58,"start":1444.8099,"end":1462.845},{"sentences":[{"text":"Yeah.","start":1470.36,"end":1470.76,"sentiment":"positive","sentiment_score":0.3502103090286255},{"text":"Absolutely.","start":1470.76,"end":1471.26,"sentiment":"positive","sentiment_score":0.48861807584762573},{"text":"Gives you security and support, and that means that you have an asset.","start":1472.76,"end":1476.2,"sentiment":"positive","sentiment_score":0.5028560688862433},{"text":"And, I mean, realistically, it means you could rent out a room.","start":1476.2,"end":1479.16,"sentiment":"positive","sentiment_score":0.4088488941391309},{"text":"There's residual income there as well.","start":1479.16,"end":1481.58,"sentiment":"positive","sentiment_score":0.38410431643327075}],"sentiment":"positive","sentiment_score":0.44202333056565485,"num_words":33,"start":1470.36,"end":1481.58},{"sentences":[{"text":"Gives the kids somewhere to bounce back to as well.","start":1481.96,"end":1484.7,"sentiment":"neutral","sentiment_score":0.32053148448467256},{"text":"Listen.","start":1489.125,"end":1489.525,"sentiment":"neutral","sentiment_score":-0.03575589507818222},{"text":"I'm one of Yes.","start":1489.525,"end":1501.78,"sentiment":"neutral","sentiment_score":-0.00011889776214957237},{"text":"Yeah.","start":1501.78,"end":1502.28,"sentiment":"neutral","sentiment_score":0.018779899924993515},{"text":"Yeah.","start":1506.42,"end":1506.92,"sentiment":"neutral","sentiment_score":0.012318935245275496}],"sentiment":"neutral","sentiment_score":0.1882460114053067,"num_words":17,"start":1481.96,"end":1506.92},{"sentences":[{"text":"Do you oh, you have 4.","start":1511.3949,"end":1512.695,"sentiment":"neutral","sentiment_score":-0.05543036572635174},{"text":"3.","start":1514.4349,"end":1514.9349,"sentiment":"neutral","sentiment_score":-0.001469493843615055},{"text":"Alright.","start":1515.075,"end":1515.575,"sentiment":"neutral","sentiment_score":0.04750323295593262},{"text":"Cool.","start":1517.635,"end":1518.0349,"sentiment":"neutral","sentiment_score":0.0900278091430664},{"text":"Yeah.","start":1518.0349,"end":1518.5349,"sentiment":"neutral","sentiment_score":0.02521548978984356}],"sentiment":"neutral","sentiment_score":-0.01713051563128829,"num_words":10,"start":1511.3949,"end":1518.5349},{"sentences":[{"text":"And I'm one yeah.","start":1519.635,"end":1524.0399,"sentiment":"neutral","sentiment_score":-0.03219911945052445},{"text":"Don't worry.","start":1524.0399,"end":1524.6,"sentiment":"neutral","sentiment_score":0.04352639056742191},{"text":"I'm I'm one of seven, and there's 11 grandkids so far so 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How are you, Louis? I'm very well. Thank you. Let's do it. Yeah. With these twelve months. Yeah. That's right. Absolutely fantastic. So I've changed, yeah, I've changed careers. Yeah. So I now do disability work and loving it. It's only casual work, but, honey, the hours are just crazy. Yeah. It's really oh, I really, really do. Absolutely love it. It. I know. I I know technology is great, but it wants to play the game. No. Mhmm. I work anywhere from forty hours to fifty five hours a week. Oh, I can tell you that. Since financial year with this comp with just with this company, because I was working for a couple of companies, My income thus far is 87,163 since May. That's the financial year. That's far. So I'll probably be looking at around about a 110, a hundred and two. Yeah. I bought myself a trip to Bali. Yeah. I haven't saved. I I had, like, 7,000 saved, and then I helped my kids out. So I don't have anything at the moment. I've got two and a half thousand. Yeah. I've still got the personal loan. I've got 5,000 loan on that. And I've got I've still got the car loan, so my daughter pays for that. Because it's her car, I just got the loan for her. And then I've just got, like, every other rent, all those other expenses and credit cards. So I've got 4 thousand. Our rent is $4.20 a week. Credit card is the two of them combined is 6 and a half. Yes. No. No. No. No. So I that's what I owe on them. One's the 8 and a half oh, the other one I canceled, so I still owe 4,000 on that one. I canceled it and said I don't want that one. The other one's got 2,300 on the other. That is 2 and a half. Yes. Yeah. Unit 114 Ruth Street. That's a yeah. So I'm sure. No. Because it's gonna be too much mucking around. Thank you, darling. Gonna be too much mucking around getting the 55,000 out. Because I've got a quote and it's 55. She was on yeah. So I think I'll wait for a little bit, and then I'll I'll get it done. Yep. Yes. Yes. Yep. Yeah. That's still the goal. Well, they won't loan me any money, but I would love to be able to buy my own little unit. Maybe use some super tools that, you know, like, for a deposit. I don't know. With my eyes, it's sort of against me. Yeah. Mhmm. Yeah. Yeah. Yeah. That's for you, honey. Mhmm. That's correct. I can use I'm just gonna find a a man that's gonna go in home. Yeah. No. I haven't really looked at it yet. Like, I like this area, and I wanna stay around this area. I would have to go just out well, in Toowoomba area, maybe at Wholeskro's Closeness. So probably looking at around about 03:50, four hundred. Yeah. Yes. No. I I would be comfortable doing that. I love it. Yeah. At a full time investment. Yes. Well, it's something worth looking into, isn't it? Otherwise, I'll get a sugar daddy. Because the other fella find an old man. I think honey, I have been on my own since 2002. So I don't know. I've been on my own since 2002. Yeah. I know. I know. Better off on my own. Yeah. Yeah. Yeah. Bloody Trump. Yeah. Yeah. It's just good to talk because, you know, I thought, well, you know, if I've used my super as a deposit and then and, you know, pay the mortgage because I'm paying about 420 here, and I can afford a little bit more once all my bloody bills are paid. So it's just food for thought. And I'm looking at, you know, working well into my seventies. You have in this industry, it's just oh god. No. Don't. I'm doing my my sixtieth birthday, I'm doing a healing journey to Bali. I'm doing a self healing. Yeah. I'm it's I'm going to turn 60 in Bali. So yeah. So I thought my friend was gonna come with me and then she couldn't go. And I said, you know what? I'm just gonna go on my own. Yeah. I'm gonna do Ubud. So do you looks beautiful. Looks beautiful. So that's my doll. I'm gonna keep going back, I think. Oh, I I'm just I'm just doing me. Yes. Turning 60 on my own. In Bali. Yes. I fly out on the seventeenth, and I fly back on my birthday, the twenty first, and I can't get back into Australia the twenty second. Oh, honey. She took that over seven years. We're probably looking at around about $19.18. That's correct. Yep. Yeah. Like, I I could show my bank account where she puts it in every fortnight and has the registration and the insurance is on that side. I put that's what we do as parents. That's correct. Yeah. Mine are all grown up. So but yeah. When they struggle a little bit, you never stop being a mom. So Karma's bitch. Mhmm. Normally well, I've been packing my money into my trips. I've been paying for all of that at the moment. So normally, I'm I'm comfortable saving 500 a week if I if I don't spend it on my holiday. Yeah. So, yeah, I'm good saving 500 a week instead. Perfect. Yeah. Yeah. I've lost 10,000. You guys have done really well for me. Like, I've had 9,000 put into my super, and it's going up from 2 I think it was $2.25 in New Zealand or $2.23, and it's now up to $2.56. So the little twerking that you guys did was really, really good. And then Trump was on the pool of war, and I lost them in two weeks. Oh, I can log in to the account easily. Okay. So what did you need to know? $256,879.67. Sure. So death insurance is 47,000. I pay $4.60 a week for that. There's no cover for permanent disability and no income protection. Oh, wait. What is this name? Oh, there's no charge there. So PayGuard income protection covers you for up to 90% of your income plus 10 of your benefit into your post plus super for twenty one day waiting period. So, yes, I do have income protection. No. I don't. I've got no. I've just got $4.60 a week tomorrow. Yes. Yeah. That's fine, honey. Come back the Thursday make it Thursday the twenty third. That's fine, sweetie. Yeah. Yeah. And, like, there's no stress if if it can't. If it if it is yeah. Just something to you know, so I'm not bloody paying dead money and it's something of my own. So Yeah. Oh, please don't resettle me. My my young my youngest daughter my eldest daughter turns 42 this year. My youngest daughter no. My I didn't oh, no. Just ten's 40 next year. My eldest sort of 10 is 41 oh, 42 next year. She's 40 one this year, Jess is 39, and my son is 36 this year. So no. I don't come on. No. I have 3. 3 and 9 branches. Oh, no. And that ain't never where all my money goes. Oh my gosh. Love. Yeah. Oh, look. I I said to mine, don't make me go into double digits. That's it. Christmas is crazy. Easter's crazy. It's too much. Oh my god. Well, I'm waiting on what you say. Yay. Public holiday rate. Yay. Yeah. Yeah. $78 an hour. I'm happy with that. Mhmm. So just before I go away. Woo hoo. Yes. That's why. Oh god. I will, darling. I will. Beautiful. Thank you so much. Thanks, gorgeous. 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How are you, Louis? I'm very well. Thank you. Let's do it.\n\nYeah. With these twelve months. Yeah. That's right. Absolutely fantastic.\n\nSo I've changed, yeah, I've changed careers. Yeah. So I now do disability work and loving it. It's only casual work, but, honey, the hours are just crazy. Yeah.\n\nIt's really oh, I really, really do. Absolutely love it. It. I know. I I know technology is great, but it wants to play the game.\n\nNo. Mhmm. I work anywhere from forty hours to fifty five hours a week. Oh, I can tell you that. Since financial year with this comp with just with this company, because I was working for a couple of companies, My income thus far is 87,163 since May.\n\nThat's the financial year. That's far. So I'll probably be looking at around about a 110, a hundred and two. Yeah. I bought myself a trip to Bali.\n\nYeah. I haven't saved. I I had, like, 7,000 saved, and then I helped my kids out. So I don't have anything at the moment. I've got two and a half thousand.\n\nYeah. I've still got the personal loan. I've got 5,000 loan on that. And I've got I've still got the car loan, so my daughter pays for that. Because it's her car, I just got the loan for her.\n\nAnd then I've just got, like, every other rent, all those other expenses and credit cards. So I've got 4 thousand. Our rent is $4.20 a week. Credit card is the two of them combined is 6 and a half. Yes.\n\nNo. No. No. No. So I that's what I owe on them.\n\nOne's the 8 and a half oh, the other one I canceled, so I still owe 4,000 on that one. I canceled it and said I don't want that one. The other one's got 2,300 on the other. That is 2 and a half. Yes.\n\nYeah. Unit 114 Ruth Street. That's a yeah. So I'm sure. No.\n\nBecause it's gonna be too much mucking around. Thank you, darling. Gonna be too much mucking around getting the 55,000 out. Because I've got a quote and it's 55. She was on yeah.\n\nSo I think I'll wait for a little bit, and then I'll I'll get it done. Yep. Yes. Yes. Yep.\n\nYeah. That's still the goal. Well, they won't loan me any money, but I would love to be able to buy my own little unit. Maybe use some super tools that, you know, like, for a deposit. I don't know.\n\nWith my eyes, it's sort of against me. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. That's for you, honey. Mhmm. That's correct. I can use I'm just gonna find a a man that's gonna go in home.\n\nYeah. No. I haven't really looked at it yet. Like, I like this area, and I wanna stay around this area. I would have to go just out well, in Toowoomba area, maybe at Wholeskro's Closeness.\n\nSo probably looking at around about 03:50, four hundred. Yeah. Yes. No. I I would be comfortable doing that.\n\nI love it. Yeah. At a full time investment. Yes. Well, it's something worth looking into, isn't it?\n\nOtherwise, I'll get a sugar daddy. Because the other fella find an old man. I think honey, I have been on my own since 2002. So I don't know. I've been on my own since 2002.\n\nYeah. I know. I know. Better off on my own. Yeah.\n\nYeah. Yeah. Bloody Trump. Yeah. Yeah.\n\nIt's just good to talk because, you know, I thought, well, you know, if I've used my super as a deposit and then and, you know, pay the mortgage because I'm paying about 420 here, and I can afford a little bit more once all my bloody bills are paid. So it's just food for thought. And I'm looking at, you know, working well into my seventies. You have in this industry, it's just oh god. No.\n\nDon't. I'm doing my my sixtieth birthday, I'm doing a healing journey to Bali. I'm doing a self healing. Yeah. I'm it's I'm going to turn 60 in Bali.\n\nSo yeah. So I thought my friend was gonna come with me and then she couldn't go. And I said, you know what? I'm just gonna go on my own. Yeah.\n\nI'm gonna do Ubud. So do you looks beautiful. Looks beautiful. So that's my doll. I'm gonna keep going back, I think.\n\nOh, I I'm just I'm just doing me. Yes. Turning 60 on my own. In Bali. Yes.\n\nI fly out on the seventeenth, and I fly back on my birthday, the twenty first, and I can't get back into Australia the twenty second. Oh, honey. She took that over seven years. We're probably looking at around about $19.18. That's correct.\n\nYep. Yeah. Like, I I could show my bank account where she puts it in every fortnight and has the registration and the insurance is on that side. I put that's what we do as parents. That's correct.\n\nYeah. Mine are all grown up. So but yeah. When they struggle a little bit, you never stop being a mom. So Karma's bitch.\n\nMhmm. Normally well, I've been packing my money into my trips. I've been paying for all of that at the moment. So normally, I'm I'm comfortable saving 500 a week if I if I don't spend it on my holiday. Yeah.\n\nSo, yeah, I'm good saving 500 a week instead. Perfect. Yeah. Yeah. I've lost 10,000.\n\nYou guys have done really well for me. Like, I've had 9,000 put into my super, and it's going up from 2 I think it was $2.25 in New Zealand or $2.23, and it's now up to $2.56. So the little twerking that you guys did was really, really good. And then Trump was on the pool of war, and I lost them in two weeks. Oh, I can log in to the account easily.\n\nOkay. So what did you need to know? $256,879.67. Sure. So death insurance is 47,000.\n\nI pay $4.60 a week for that. There's no cover for permanent disability and no income protection. Oh, wait. What is this name? Oh, there's no charge there.\n\nSo PayGuard income protection covers you for up to 90% of your income plus 10 of your benefit into your post plus super for twenty one day waiting period. So, yes, I do have income protection. No. I don't. I've got no.\n\nI've just got $4.60 a week tomorrow. Yes. Yeah. That's fine, honey. Come back the Thursday make it Thursday the twenty third.\n\nThat's fine, sweetie. Yeah. Yeah. And, like, there's no stress if if it can't. If it if it is yeah.\n\nJust something to you know, so I'm not bloody paying dead money and it's something of my own. So Yeah. Oh, please don't resettle me. My my young my youngest daughter my eldest daughter turns 42 this year. My youngest daughter no.\n\nMy I didn't oh, no. Just ten's 40 next year. My eldest sort of 10 is 41 oh, 42 next year. She's 40 one this year, Jess is 39, and my son is 36 this year. So no.\n\nI don't come on. No. I have 3. 3 and 9 branches. Oh, no.\n\nAnd that ain't never where all my money goes. Oh my gosh. Love. Yeah. Oh, look.\n\nI I said to mine, don't make me go into double digits. That's it. Christmas is crazy. Easter's crazy. It's too much.\n\nOh my god. Well, I'm waiting on what you say. Yay. Public holiday rate. Yay.\n\nYeah. Yeah. $78 an hour. I'm happy with that. Mhmm.\n\nSo just before I go away. Woo hoo. Yes. That's why. Oh god.\n\nI will, darling. I will. Beautiful. Thank you so much. Thanks, gorgeous.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.019125478342175484},{"text":"How are you, Louis?","start":7.3599997,"end":8.48,"sentiment":"neutral","sentiment_score":0.12589434161782265},{"text":"I'm very well.","start":8.48,"end":9.28,"sentiment":"positive","sentiment_score":0.5064025719960531},{"text":"Thank you.","start":9.28,"end":9.94,"sentiment":"positive","sentiment_score":0.700523853302002},{"text":"Let's do it.","start":26.095001,"end":27.15,"sentiment":"neutral","sentiment_score":0.06446721901496251}],"sentiment":"neutral","sentiment_score":0.2797199941885013,"num_words":13,"start":1.4399999,"end":27.15},{"sentences":[{"text":"Yeah.","start":40.67,"end":40.989998,"sentiment":"neutral","sentiment_score":0.006464899517595768},{"text":"With these twelve 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correct.","start":1099.72,"end":1100.36,"sentiment":"neutral","sentiment_score":0.044755853712558746}],"sentiment":"neutral","sentiment_score":-0.02729477600172855,"num_words":43,"start":1049.63,"end":1100.36},{"sentences":[{"text":"Yep.","start":1100.36,"end":1100.86,"sentiment":"neutral","sentiment_score":0.08981859683990479},{"text":"Yeah.","start":1108.385,"end":1108.865,"sentiment":"neutral","sentiment_score":0.05799787864089012},{"text":"Like, I I could show my bank account where she puts it in every fortnight and has the registration and the insurance is on that side.","start":1108.865,"end":1116.4049,"sentiment":"neutral","sentiment_score":0.05723162095707197},{"text":"I put that's what we do as parents.","start":1120.865,"end":1122.625,"sentiment":"neutral","sentiment_score":0.28761729039251804},{"text":"That's correct.","start":1122.625,"end":1123.365,"sentiment":"neutral","sentiment_score":0.20161426067352295}],"sentiment":"neutral","sentiment_score":0.11421067012768042,"num_words":38,"start":1100.36,"end":1123.365},{"sentences":[{"text":"Yeah.","start":1127.5499,"end":1128.0499,"sentiment":"neutral","sentiment_score":0.0045138392597436905},{"text":"Mine are all grown up.","start":1129.5499,"end":1130.75,"sentiment":"neutral","sentiment_score":0.024004245176911354},{"text":"So but yeah.","start":1130.75,"end":1132.85,"sentiment":"neutral","sentiment_score":0.018969240908821423},{"text":"When they struggle a little bit, you never stop being a mom.","start":1132.9099,"end":1135.5499,"sentiment":"neutral","sentiment_score":-0.1173971202224493},{"text":"So Karma's bitch.","start":1135.5499,"end":1150.335,"sentiment":"negative","sentiment_score":-0.41063292324543}],"sentiment":"neutral","sentiment_score":-0.10246755935562153,"num_words":24,"start":1127.5499,"end":1150.335},{"sentences":[{"text":"Mhmm.","start":1173.035,"end":1173.535,"sentiment":"neutral","sentiment_score":0.02709951624274254},{"text":"Normally well, I've been packing my money into my trips.","start":1200.735,"end":1203.9349,"sentiment":"neutral","sentiment_score":-0.2156453862786293},{"text":"I've been paying for all of that at the moment.","start":1203.9349,"end":1205.875,"sentiment":"neutral","sentiment_score":-0.29911285936832427},{"text":"So normally, I'm I'm comfortable saving 500 a week if I if I don't spend it on my holiday.","start":1205.9349,"end":1214.54,"sentiment":"neutral","sentiment_score":0.1520233101358539},{"text":"Yeah.","start":1218.12,"end":1218.62,"sentiment":"neutral","sentiment_score":0.0953540951013565}],"sentiment":"neutral","sentiment_score":-0.05211429152546859,"num_words":41,"start":1173.035,"end":1218.62},{"sentences":[{"text":"So, yeah, I'm good saving 500 a week instead.","start":1219.4,"end":1222.38,"sentiment":"neutral","sentiment_score":0.18883871618244383},{"text":"Perfect.","start":1223.185,"end":1223.685,"sentiment":"positive","sentiment_score":0.5163960456848145},{"text":"Yeah.","start":1256.565,"end":1256.965,"sentiment":"neutral","sentiment_score":-0.008603133261203766},{"text":"Yeah.","start":1256.965,"end":1257.465,"sentiment":"neutral","sentiment_score":-0.010379278101027012},{"text":"I've lost 10,000.","start":1258.005,"end":1259.305,"sentiment":"neutral","sentiment_score":-0.048653967678546906}],"sentiment":"neutral","sentiment_score":0.13673334512859583,"num_words":15,"start":1219.4,"end":1259.305},{"sentences":[{"text":"You guys have done really well for me.","start":1259.525,"end":1261.205,"sentiment":"neutral","sentiment_score":0.2641094569116831},{"text":"Like, I've had 9,000 put into my super, and it's going up from 2 I think it was $2.25 in New Zealand or $2.23, and it's now up to $2.56.","start":1261.205,"end":1273.51,"sentiment":"neutral","sentiment_score":0.018063992044577995},{"text":"So the little twerking that you guys did was really, really good.","start":1274.6901,"end":1279.825,"sentiment":"positive","sentiment_score":0.5116858035326004},{"text":"And then Trump was on the pool of war, and I lost them in two weeks.","start":1279.825,"end":1284.1649,"sentiment":"neutral","sentiment_score":-0.024527380825020373},{"text":"Oh, I can log in to the account easily.","start":1308.495,"end":1310.435,"sentiment":"neutral","sentiment_score":0.1277999621298578}],"sentiment":"neutral","sentiment_score":0.12737048833320538,"num_words":75,"start":1259.525,"end":1310.435},{"sentences":[{"text":"Okay.","start":1317.61,"end":1318.11,"sentiment":"neutral","sentiment_score":0.103184774518013},{"text":"So what did you need to know?","start":1318.57,"end":1320.11,"sentiment":"neutral","sentiment_score":0.06252280143754822},{"text":"$256,879.67.","start":1325.9299,"end":1330.51,"sentiment":"neutral","sentiment_score":0.02077746018767357},{"text":"Sure.","start":1340.275,"end":1340.775,"sentiment":"neutral","sentiment_score":-0.006255170796066523},{"text":"So death insurance is 47,000.","start":1342.195,"end":1344.855,"sentiment":"neutral","sentiment_score":-0.026209624111652376}],"sentiment":"neutral","sentiment_score":0.028287903560946386,"num_words":15,"start":1317.61,"end":1344.855},{"sentences":[{"text":"I pay $4.60 a week for that.","start":1345.93,"end":1347.87,"sentiment":"neutral","sentiment_score":0.0000957817371402468},{"text":"There's no cover for permanent disability and no income protection.","start":1349.2101,"end":1352.67,"sentiment":"neutral","sentiment_score":-0.020840144017711282},{"text":"Oh, wait.","start":1358.385,"end":1359.045,"sentiment":"neutral","sentiment_score":0.05146385170519352},{"text":"What is this name?","start":1362.865,"end":1364.085,"sentiment":"neutral","sentiment_score":0.027017689310014248},{"text":"Oh, there's no charge there.","start":1365.665,"end":1367.105,"sentiment":"neutral","sentiment_score":0.10310160368680954}],"sentiment":"neutral","sentiment_score":0.01852769682383431,"num_words":28,"start":1345.93,"end":1367.105},{"sentences":[{"text":"So PayGuard income protection covers you for up to 90% of your income plus 10 of your benefit into your post plus super for twenty one day waiting period.","start":1367.105,"end":1378.02,"sentiment":"neutral","sentiment_score":0.11316155822112642},{"text":"So, yes, I do have income protection.","start":1378.02,"end":1379.72,"sentiment":"neutral","sentiment_score":0.11383364456040519},{"text":"No.","start":1387.94,"end":1388.26,"sentiment":"neutral","sentiment_score":-0.11640309542417526},{"text":"I don't.","start":1388.26,"end":1388.84,"sentiment":"neutral","sentiment_score":-0.13207538425922394},{"text":"I've got no.","start":1390.575,"end":1391.775,"sentiment":"neutral","sentiment_score":-0.08910757303237915}],"sentiment":"neutral","sentiment_score":0.08168200279275577,"num_words":42,"start":1367.105,"end":1391.775},{"sentences":[{"text":"I've just got $4.60 a week tomorrow.","start":1391.775,"end":1394.115,"sentiment":"neutral","sentiment_score":-0.07431933656334877},{"text":"Yes.","start":1411.0701,"end":1411.5701,"sentiment":"neutral","sentiment_score":0.12837696075439453},{"text":"Yeah.","start":1430.605,"end":1430.765,"sentiment":"neutral","sentiment_score":0.06070376932621002},{"text":"That's fine, honey.","start":1430.765,"end":1431.745,"sentiment":"neutral","sentiment_score":0.12998775641123453},{"text":"Come back the Thursday make it Thursday the twenty third.","start":1433.0901,"end":1437.67,"sentiment":"neutral","sentiment_score":0.03918185140937567}],"sentiment":"neutral","sentiment_score":0.02048305261202834,"num_words":22,"start":1391.775,"end":1437.67},{"sentences":[{"text":"That's fine, sweetie.","start":1442.53,"end":1443.67,"sentiment":"neutral","sentiment_score":0.2474297434091568},{"text":"Yeah.","start":1455.3451,"end":1455.8451,"sentiment":"neutral","sentiment_score":0.03426159918308258},{"text":"Yeah.","start":1456.545,"end":1457.025,"sentiment":"neutral","sentiment_score":0.08851268887519836},{"text":"And, like, there's no stress if if it can't.","start":1457.025,"end":1459.3651,"sentiment":"neutral","sentiment_score":0.03241023938688967},{"text":"If it if it is yeah.","start":1460.68,"end":1463.7401,"sentiment":"neutral","sentiment_score":-0.1892323059340318}],"sentiment":"neutral","sentiment_score":0.001068091858178377,"num_words":20,"start":1442.53,"end":1463.7401},{"sentences":[{"text":"Just something to you know, so I'm not bloody paying dead money and it's something of my own.","start":1463.8,"end":1469.7401,"sentiment":"neutral","sentiment_score":-0.18869394602047074},{"text":"So Yeah.","start":1473.0,"end":1485.285,"sentiment":"neutral","sentiment_score":0.22340484336018562},{"text":"Oh, please don't resettle me.","start":1485.285,"end":1487.07,"sentiment":"neutral","sentiment_score":-0.12692786566913128},{"text":"My my young my youngest daughter my eldest daughter turns 42 this year.","start":1489.63,"end":1494.5099,"sentiment":"neutral","sentiment_score":-0.010628123051271988},{"text":"My youngest daughter no.","start":1494.5099,"end":1495.63,"sentiment":"neutral","sentiment_score":-0.06005034130066633}],"sentiment":"neutral","sentiment_score":-0.09434970559197522,"num_words":42,"start":1463.8,"end":1495.63},{"sentences":[{"text":"My I didn't oh, no.","start":1495.63,"end":1498.9099,"sentiment":"neutral","sentiment_score":-0.08122846633195877},{"text":"Just ten's 40 next year.","start":1498.9099,"end":1500.85,"sentiment":"neutral","sentiment_score":-0.04721827954053879},{"text":"My eldest sort of 10 is 41 oh, 42 next year.","start":1501.445,"end":1505.925,"sentiment":"neutral","sentiment_score":0.013305719433860346},{"text":"She's 40 one this year, Jess is 39, and my son is 36 this year.","start":1505.925,"end":1510.345,"sentiment":"neutral","sentiment_score":0.01752240490168333},{"text":"So no.","start":1510.885,"end":1511.845,"sentiment":"neutral","sentiment_score":-0.035033282823860645}],"sentiment":"neutral","sentiment_score":-0.007976350202960404,"num_words":38,"start":1495.63,"end":1511.845},{"sentences":[{"text":"I don't come on.","start":1511.845,"end":1513.065,"sentiment":"neutral","sentiment_score":-0.061197707429528236},{"text":"No.","start":1513.205,"end":1513.445,"sentiment":"neutral","sentiment_score":-0.04166240245103836},{"text":"I have 3.","start":1513.445,"end":1514.265,"sentiment":"neutral","sentiment_score":-0.020327620208263397},{"text":"3 and 9 branches.","start":1517.4701,"end":1518.77,"sentiment":"neutral","sentiment_score":0.03323826938867569},{"text":"Oh, no.","start":1521.0701,"end":1521.39,"sentiment":"neutral","sentiment_score":-0.03200435684993863}],"sentiment":"neutral","sentiment_score":-0.019892266352794,"num_words":14,"start":1511.845,"end":1521.39},{"sentences":[{"text":"And that ain't never where all my money goes.","start":1521.39,"end":1523.25,"sentiment":"neutral","sentiment_score":-0.12319867975182003},{"text":"Oh my gosh.","start":1530.51,"end":1531.7101,"sentiment":"neutral","sentiment_score":0.07943986356258392},{"text":"Love.","start":1531.7101,"end":1532.145,"sentiment":"neutral","sentiment_score":0.3002435564994812},{"text":"Yeah.","start":1534.625,"end":1535.125,"sentiment":"neutral","sentiment_score":0.09507226198911668},{"text":"Oh, look.","start":1535.585,"end":1535.985,"sentiment":"neutral","sentiment_score":0.005207261070609094}],"sentiment":"neutral","sentiment_score":-0.02904613665305078,"num_words":16,"start":1521.39,"end":1535.985},{"sentences":[{"text":"I I said to mine, don't make me go into double digits.","start":1535.985,"end":1538.385,"sentiment":"neutral","sentiment_score":-0.047647216667731605},{"text":"That's it.","start":1538.385,"end":1539.025,"sentiment":"neutral","sentiment_score":-0.03920676186680794},{"text":"Christmas is crazy.","start":1539.025,"end":1540.3251,"sentiment":"neutral","sentiment_score":-0.10043824464082718},{"text":"Easter's crazy.","start":1540.385,"end":1541.4451,"sentiment":"neutral","sentiment_score":-0.04525831341743469},{"text":"It's too much.","start":1543.265,"end":1544.34,"sentiment":"neutral","sentiment_score":0.11086346457401912}],"sentiment":"neutral","sentiment_score":-0.03224641321734949,"num_words":22,"start":1535.985,"end":1544.34},{"sentences":[{"text":"Oh my god.","start":1548.4199,"end":1549.14,"sentiment":"neutral","sentiment_score":-0.05334365492065748},{"text":"Well, I'm waiting on what you say.","start":1549.14,"end":1550.5,"sentiment":"neutral","sentiment_score":-0.060989927500486374},{"text":"Yay.","start":1550.5,"end":1551.0,"sentiment":"neutral","sentiment_score":0.11520876735448836},{"text":"Public holiday rate.","start":1551.0599,"end":1552.4199,"sentiment":"neutral","sentiment_score":0.0578967829545339},{"text":"Yay.","start":1552.4199,"end":1552.9199,"sentiment":"neutral","sentiment_score":0.19979122281074524}],"sentiment":"neutral","sentiment_score":-0.00655134121576945,"num_words":15,"start":1548.4199,"end":1552.9199},{"sentences":[{"text":"Yeah.","start":1554.58,"end":1555.08,"sentiment":"neutral","sentiment_score":0.1448442041873932},{"text":"Yeah.","start":1556.74,"end":1557.24,"sentiment":"neutral","sentiment_score":0.08325915038585663},{"text":"$78 an hour.","start":1558.2949,"end":1559.495,"sentiment":"neutral","sentiment_score":0.1498370369275411},{"text":"I'm happy with that.","start":1559.495,"end":1560.635,"sentiment":"positive","sentiment_score":0.4771123453974724},{"text":"Mhmm.","start":1563.335,"end":1563.835,"sentiment":"neutral","sentiment_score":0.012206765823066236}],"sentiment":"neutral","sentiment_score":0.2598270612768829,"num_words":10,"start":1554.58,"end":1563.835},{"sentences":[{"text":"So just before I go away.","start":1565.575,"end":1567.4349,"sentiment":"neutral","sentiment_score":-0.02875667375822862},{"text":"Woo hoo.","start":1567.495,"end":1568.1549,"sentiment":"positive","sentiment_score":0.6455774009227753},{"text":"Yes.","start":1570.855,"end":1571.355,"sentiment":"neutral","sentiment_score":0.16926749050617218},{"text":"That's why.","start":1575.63,"end":1577.01,"sentiment":"neutral","sentiment_score":0.0756507683545351},{"text":"Oh god.","start":1577.07,"end":1577.5499,"sentiment":"neutral","sentiment_score":0.1754625290632248}],"sentiment":"neutral","sentiment_score":0.13770068035675928,"num_words":13,"start":1565.575,"end":1577.5499},{"sentences":[{"text":"I will, darling.","start":1577.5499,"end":1578.35,"sentiment":"positive","sentiment_score":0.3436821500460307},{"text":"I will.","start":1578.35,"end":1578.9299,"sentiment":"neutral","sentiment_score":0.2905267924070358},{"text":"Beautiful.","start":1587.47,"end":1587.97,"sentiment":"positive","sentiment_score":0.7907308340072632},{"text":"Thank you so much.","start":1588.11,"end":1589.199,"sentiment":"positive","sentiment_score":0.8120860159397125},{"text":"Thanks, gorgeous.","start":1592.3989,"end":1593.2789,"sentiment":"positive","sentiment_score":0.7930712997913361}],"sentiment":"positive","sentiment_score":0.6031097943584124,"num_words":12,"start":1577.5499,"end":1593.2789},{"sentences":[{"text":"Bye bye.","start":1593.2789,"end":1594.0189,"sentiment":"positive","sentiment_score":0.39337389171123505}],"sentiment":"positive","sentiment_score":0.39337389171123505,"num_words":2,"start":1593.2789,"end":1594.0189}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Good afternoon, Michelle. Larissa here from Oakview Financial. How are\n\nChannel 1: How\n\nChannel 0: you going?\n\nChannel 1: are you, Louis? I'm very well. Thank you.\n\nChannel 0: I'm very well. Thank you for asking. So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for\n\nChannel 1: Let's do it.\n\nChannel 0: retirement. So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead\n\nChannel 1: Yeah.\n\nChannel 0: to the\n\nChannel 1: With\n\nChannel 0: day.\n\nChannel 1: these twelve months. Yeah.\n\nChannel 0: Yeah. So I know that at the time, you were in the middle of moving to Toowoomba, and there was quite a number\n\nChannel 1: That's\n\nChannel 0: of things\n\nChannel 1: right.\n\nChannel 0: that were happening in your life. Now I did wanna, I guess, double check and see how did everything go with the move\n\nChannel 1: Absolutely\n\nChannel 0: and settling in.\n\nChannel 1: fantastic.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: fantastic.\n\nChannel 1: I've changed, yeah, I've changed careers.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So I now do disability work and loving it. It's only casual\n\nChannel 0: Beautiful.\n\nChannel 1: work, but, honey, the hours are just crazy.\n\nChannel 0: Yeah. Oh, that's so good to hear.\n\nChannel 1: Yeah.\n\nChannel 0: And you're loving\n\nChannel 1: It's really\n\nChannel 0: it by the sounds of it.\n\nChannel 1: oh, I really, really do. Absolutely\n\nChannel 0: Perfect.\n\nChannel 1: love it.\n\nChannel 0: No. That's beautiful. Okay. So let me, I guess, get a bit of a oh, that's not what I wanted. I'm just opening random things everywhere here.\n\nChannel 1: It.\n\nChannel 0: It really is. Sometimes computers throw my head in.\n\nChannel 1: I know. I I know technology is great, but it wants to play the game.\n\nChannel 0: Oh, and it never does wanna play the game.\n\nChannel 1: No.\n\nChannel 0: Okay. There we go. That's what I wanted. Alright. So from last we spoke,\n\nChannel 1: Mhmm.\n\nChannel 0: you of it, you were a duty manager at the time. So now your disability support work. So what do our hours look like? Where are we sitting?\n\nChannel 1: I work anywhere from forty hours to fifty five hours a week.\n\nChannel 0: Okay. And what's that income looking like? Or, like, what what was your income over the last twelve months, I guess?\n\nChannel 1: Oh, I can tell you that. Since financial year with this comp with just with this company, because I was working for a couple of companies, My income thus far is 87,163\n\nChannel 0: Yep. Perfect. And how long have you been working for this company?\n\nChannel 1: since May.\n\nChannel 0: Okay. So May 2020. Oh, cool. So that's a full financial year with this company.\n\nChannel 1: That's the financial year. That's far.\n\nChannel 0: Fantastic. Okay.\n\nChannel 1: So I'll probably be looking at around about a 110, a\n\nChannel 0: I\n\nChannel 1: hundred\n\nChannel 0: was gonna\n\nChannel 1: and\n\nChannel 0: say yeah. But we're gonna we're gonna get up there. That's\n\nChannel 1: two.\n\nChannel 0: divide divide that to ten months. I go I am not matting today. Oh my lord. And then go to that ten, twelve months. We are, yeah, looking at about $1.00 5 is what I'm kind of\n\nChannel 1: Yeah.\n\nChannel 0: looking at. Cool. Alright. So that gives us alright. Cool.\n\nSo that gives us a good income based start. And then how are we going expenses wise, savings wise with the move?\n\nChannel 1: I bought myself a trip to Bali. Yeah.\n\nChannel 0: Well\n\nChannel 1: I\n\nChannel 0: then.\n\nChannel 1: haven't saved. I I had, like, 7,000 saved, and then I helped my kids out. So I don't have anything\n\nChannel 0: Yep.\n\nChannel 1: at the moment. I've got two and a half thousand.\n\nChannel 0: Okay. That's okay. Generally, on a week to week, how do we go? Because I know that you had, like, a a bit of a you had the a personal loan and a and a car loan.\n\nChannel 1: Yeah. I've still got the personal loan. I've got 5,000 loan on that.\n\nChannel 0: Yep.\n\nChannel 1: And I've got I've still got the car loan, so my daughter pays for that.\n\nChannel 0: Perfect.\n\nChannel 1: Because it's her car, I just got the loan for her.\n\nChannel 0: Yeah.\n\nChannel 1: And then I've just got, like, every other rent, all those other expenses\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: What's\n\nChannel 1: credit cards.\n\nChannel 0: okay.\n\nChannel 1: So\n\nChannel 0: What's\n\nChannel 1: I've got\n\nChannel 0: our\n\nChannel 1: 4\n\nChannel 0: rent?\n\nChannel 1: thousand. Our rent\n\nChannel 0: Yep.\n\nChannel 1: is $4.20 a week.\n\nChannel 0: $4.20. Perfect. And our credit card?\n\nChannel 1: Credit card is the two of them combined is 6 and a half.\n\nChannel 0: Okay. Do we owe anything on them, or do we just use them for\n\nChannel 1: Yes.\n\nChannel 0: living expenses?\n\nChannel 1: No. No. No. No. So I that's what I owe on them.\n\nChannel 0: Perfect. What's our limit on the two of them combined?\n\nChannel 1: One's the 8 and a half oh, the other one I canceled, so I still owe 4,000 on that one. I canceled it and said I don't want that one. The other one's got 2,300 on the other.\n\nChannel 0: Okay. And the one that you have open, what's the limit on the open one?\n\nChannel 1: That is 2 and a half.\n\nChannel 0: Perfect. So it's just gonna give us an enough to be able to do our living expenses? Yep. Perfect. So once we pay off the the 4,000 owing, we'll be able to go from there.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Fantastic. Now with regards to where our address, what is the address for the new place that you're at?\n\nChannel 1: Unit 114 Ruth Street.\n\nChannel 0: Okay. At Centenary Heights. Fantastic.\n\nChannel 1: That's a\n\nChannel 0: Alright.\n\nChannel 1: yeah.\n\nChannel 0: Cool.\n\nChannel 1: So I'm sure.\n\nChannel 0: Thanks, Newnan. That's okay. I just wanted to double check. Alright. Amazing.\n\nSo that covers off, I guess, the the couple of did bits that would have been mismatched for the last twelve months. So goals wise, I know that one of the things that you were looking at over the last twelve months was you were gonna get your teeth done. Did you end up getting that done?\n\nChannel 1: No. Because it's gonna be too much mucking around. Thank you, darling. Gonna be too much mucking around getting the 55,000 out. Because I've got a quote and it's 55.\n\nChannel 0: Wow.\n\nChannel 1: She was on yeah. So I think I'll wait for a little bit, and then I'll\n\nChannel 0: Yeah.\n\nChannel 1: I'll get it done.\n\nChannel 0: Alright. Perfect. Later goal. Fantastic. So I guess that being a bit of a later goal, so something so, I guess, something that we look at in, you know, maybe two to three years' time.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. What is what goals are you currently sort of focused on? Are we still very much in the same, I guess, area? Like, when we spoke last, we were talking about being comfortable in retirement, not having any debts, wanting to be able to travel and see your grandchildren.\n\nChannel 1: Yes.\n\nChannel 0: You wanted to make sure that your debt and income were covered so that in the event that anything happened to you, you were able to keep working until you're well into your sixties.\n\nChannel 1: Yes.\n\nChannel 0: And that you just sort of wanted to I mean, you have done that already, so big tick there. You you wanted to settle into the new town and and and just work on on paying down the debts, build up some savings,\n\nChannel 1: Yep.\n\nChannel 0: spend spend time with the family, stuff like that. Is that still\n\nChannel 1: Yeah.\n\nChannel 0: the sort of\n\nChannel 1: That's still the goal.\n\nChannel 0: okay. Is there anything else goal wise that I need to be aware of or know about?\n\nChannel 1: Well, they won't loan me any money, but I would love to be able to buy my own little unit.\n\nChannel 0: Yeah.\n\nChannel 1: Maybe use some super tools that, you know, like, for a deposit. I don't know. With my eyes, it's sort of against\n\nChannel 0: Yeah.\n\nChannel 1: me.\n\nChannel 0: Yeah. It's possible that we like, that you could get a loan to pay a buyer unit, and then as an exit strategy, your superannuation can be used to pay off the balance of the loan. That is something that that I have done multiple times with clients who are\n\nChannel 1: Yeah.\n\nChannel 0: a little bit older, who are wanting to get into a home,\n\nChannel 1: Mhmm.\n\nChannel 0: is that you know? Because the ultimately, the the lender needs to know that there is security or assurance that the that the loan is gonna get paid.\n\nChannel 1: Yeah.\n\nChannel 0: So if you have an exit strategy around basically utilizing the superannuation to do\n\nChannel 1: Yeah.\n\nChannel 0: so, But it's gonna be tight\n\nChannel 1: Yeah.\n\nChannel 0: because, obviously, you know, we're 58. Am I doing that math right? I'm not doing that math right at all.\n\nChannel 1: That's for you, honey. Mhmm.\n\nChannel 0: You turned you turned 60 this month, don't you?\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. I\n\nChannel 1: I\n\nChannel 0: was\n\nChannel 1: can\n\nChannel 0: doing\n\nChannel 1: use\n\nChannel 0: that math. I was doing that math completely wrong. Yeah. So you with you being 60, it's it's gonna be a little bit tight with regards to getting a loan and and\n\nChannel 1: I'm just gonna find a a man that's gonna go in home.\n\nChannel 0: That's a perfect strategy. That's my favorite one. Yeah. I mean, that's always definitely a definitely an option. But, really, you know, your income is pretty good with what you're doing.\n\nYou've you've increased your income exponentially from, like, the 74,000 you were on previously. So you've\n\nChannel 1: Yeah.\n\nChannel 0: got you've got a bit of income coming in from there. So with with with with the increase in income, if, you know, serviceability wise, we might be able to push it across the line, but it would have to be the cost is what it's gonna really come down to. Have you looked at what cost we could look at? Because what I can do is I can reach out to some of my, like, brokers that I I deal with and see if there's any capacity for us to be able to maybe see that's come to fruition.\n\nChannel 1: No. I haven't really looked at it yet. Like, I like this area, and I wanna stay\n\nChannel 0: Yeah.\n\nChannel 1: around this area.\n\nChannel 0: Okay. So Stands and\n\nChannel 1: I\n\nChannel 0: Henry\n\nChannel 1: would have\n\nChannel 0: Heights.\n\nChannel 1: to go just out well, in Toowoomba area, maybe at\n\nChannel 0: Yep.\n\nChannel 1: Wholeskro's Closeness. So probably looking at around about 03:50, four hundred.\n\nChannel 0: Yep. Okay. Christmas. 03:50 to four hundred. Okay.\n\nBecause what I'll do is I'll reach out to some of my brokers and just start like, I'll put the fields out and and, I guess, put you forward as a as, like, a a case to see what they say in response whether it's it's possible that we could do something in that area. Would you be comfortable using your superannuation as the as, like, as the, I guess, final payment plan for that mortgage? Obviously, working as long as you can to pay the mortgage down over the next few years and then, you know, come retirement using your superannuation to pay off the remainder of the mortgage. Is that something you're comfortable with doing? Because that would\n\nChannel 1: Yeah.\n\nChannel 0: be the strategy that we'd be looking at doing if that's the case.\n\nChannel 1: Yes. No. I I would be comfortable doing that.\n\nChannel 0: Okay. Because what we could probably look at doing is, like, kinda going for a a shorter mortgage term with the broker and and see where that lands us and and go from there with regards to paying it off. It means that we're then like, we're living on Centrelink for an income. So it's gonna be a a bit of a drastic difference between, you know, your income now and going on to Centrelink income. But it depends on your comfort level.\n\nIt's you know, if we wanna get into a home, this is the way we'd have to probably look at doing it. I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy.\n\nChannel 1: I love it.\n\nChannel 0: But sorry. But once but once we're in our home, obviously, that gives us security and assurance. And then\n\nChannel 1: Yeah. At a full\n\nChannel 0: depend\n\nChannel 1: time investment.\n\nChannel 0: it is. It means that, you know, you're leaving something for the kids as well. So if, you know, if, you know, when you when you do pass on, the kids have an asset that becomes theirs or becomes, you know, something for them to to have salon or or or rent out and have residual income from an like a, you know, estate planning or family planning point of view. But looking after you was obviously the primary outcome that we wanna focus on. We wanna make sure that you're comfortable in in in your life, not just looking after the kids.\n\nThen getting a house is, you know, a nice to have,\n\nChannel 1: Yes.\n\nChannel 0: not anything else.\n\nChannel 1: Well, it's something worth looking into, isn't\n\nChannel 0: Yeah. Okay. No. That's perfect. I will do the homework and look into it and see where we land on that.\n\nObviously, I can ask the questions.\n\nChannel 1: it? Otherwise,\n\nChannel 0: Aside\n\nChannel 1: I'll\n\nChannel 0: from\n\nChannel 1: get a sugar daddy. Because\n\nChannel 0: honestly,\n\nChannel 1: the other\n\nChannel 0: it's\n\nChannel 1: fella find an old man.\n\nChannel 0: it's still it's still my plan. I mean, I've been married for a decade, and I'm I'm\n\nChannel 1: I think\n\nChannel 0: still looking.\n\nChannel 1: honey, I have been on my own since 2002.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: you've been\n\nChannel 1: I don't know. I've been\n\nChannel 0: oh,\n\nChannel 1: on my own since 2002.\n\nChannel 0: it's a bit hard to yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Going going from being alone for the last two decades and and then trying to live with a man.\n\nChannel 1: I know. I know. Better off on my own.\n\nChannel 0: Oh, some days. Perfect. So I guess, superannuation wise, are you still very comfortable with the direction Kyle was looking at heading in twelve months ago? We obviously didn't execute it because a lot of things were happening in your world\n\nChannel 1: Yeah.\n\nChannel 0: at the time.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, things have changed with the economic climate and and where things land now.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Bloody Trump.\n\nChannel 0: what too right. I love too\n\nChannel 1: Yeah.\n\nChannel 0: right. But what I can do is, I guess, refresh everything. Have a have a have a good look over where things fit. Obviously gonna reach out to my brokers. I have a\n\nChannel 1: Yeah.\n\nChannel 0: gorgeous\n\nChannel 1: It's\n\nChannel 0: lady\n\nChannel 1: just good\n\nChannel 0: by the name\n\nChannel 1: to talk\n\nChannel 0: of Brooke.\n\nChannel 1: because, you know,\n\nChannel 0: Yeah.\n\nChannel 1: I thought, well, you know, if I've used my super as a deposit and then\n\nChannel 0: Yep.\n\nChannel 1: and, you know, pay the mortgage because I'm paying about 420 here, and I can afford a little bit more once all my bloody bills are paid. So it's just food for thought.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm looking at, you know, working well into my seventies. You have in this industry, it's just\n\nChannel 0: Yeah. You're comfortable to do so. You're not slowing down anytime soon.\n\nChannel 1: oh god. No. Don't. I'm doing my my sixtieth birthday, I'm doing a healing journey to Bali.\n\nChannel 0: I love that. So I was I was\n\nChannel 1: I'm\n\nChannel 0: about\n\nChannel 1: doing\n\nChannel 0: to ask,\n\nChannel 1: a\n\nChannel 0: when\n\nChannel 1: self\n\nChannel 0: when\n\nChannel 1: healing.\n\nChannel 0: do you go to Bali?\n\nChannel 1: Yeah. I'm it's I'm going to turn 60 in Bali. So yeah. So I thought my friend was gonna come with me and then she couldn't go. And I said, you know what?\n\nI'm just gonna go on my own.\n\nChannel 0: I love that my in\n\nChannel 1: Yeah.\n\nChannel 0: laws move my in laws moved to Bali three years ago now, and they're loving\n\nChannel 1: I'm\n\nChannel 0: it.\n\nChannel 1: gonna do Ubud.\n\nChannel 0: That's where\n\nChannel 1: So\n\nChannel 0: they are.\n\nChannel 1: do you looks\n\nChannel 0: Yeah.\n\nChannel 1: beautiful. Looks\n\nChannel 0: It\n\nChannel 1: beautiful.\n\nChannel 0: it does. It's\n\nChannel 1: So\n\nChannel 0: stunning.\n\nChannel 1: that's my\n\nChannel 0: If\n\nChannel 1: doll.\n\nChannel 0: you\n\nChannel 1: I'm gonna keep going back, I think.\n\nChannel 0: yep. Absolutely nothing wrong with that. Besides a good cocktail on the beach, it's lovely.\n\nChannel 1: Oh, I I'm just I'm just doing me.\n\nChannel 0: That's the way to do it.\n\nChannel 1: Yes. Turning 60 on my own.\n\nChannel 0: Yeah. In Bali, enjoying\n\nChannel 1: In\n\nChannel 0: it.\n\nChannel 1: Bali. Yes.\n\nChannel 0: So when do you fly out? Just so I can\n\nChannel 1: I\n\nChannel 0: make\n\nChannel 1: fly\n\nChannel 0: sure that\n\nChannel 1: out\n\nChannel 0: I\n\nChannel 1: on the seventeenth,\n\nChannel 0: I'm sick.\n\nChannel 1: and I\n\nChannel 0: Yep.\n\nChannel 1: fly back on my birthday, the twenty first, and I can't get back into Australia the twenty second.\n\nChannel 0: Any second. Alright. So you've gone that. Perfect. That's okay.\n\nSo for me to go ahead and start looking at things, you've given me pretty much everything. Like, you've got 2 and a half grand saved. That's that's fine. I've got an update on where all your debts sit. The debts that you you hold for your kids, a little bit painful from a claims perspective.\n\nDo you know by any chance how much is left on the car loan?\n\nChannel 1: Oh, honey. She took that over seven years. We're probably looking at around about $19.18.\n\nChannel 0: Pay thing left. Okay. Perfect. That's okay. It's it's in your name, but she pays for it.\n\nThat's okay. So\n\nChannel 1: That's\n\nChannel 0: I'll\n\nChannel 1: correct. Yep.\n\nChannel 0: yeah. We can probably get away with, like, a a stat deck saying that it's not your responsibility to pay, and we can go from there. And\n\nChannel 1: Yeah.\n\nChannel 0: I'll have a chat\n\nChannel 1: Like,\n\nChannel 0: to\n\nChannel 1: I I\n\nChannel 0: Brooke.\n\nChannel 1: could show my bank account where she puts it in every fortnight and\n\nChannel 0: Yeah.\n\nChannel 1: has the registration and the insurance is on that side.\n\nChannel 0: Perfect. It's just yeah. You were just helping helping your daughter out. It's what we do as\n\nChannel 1: I\n\nChannel 0: parents.\n\nChannel 1: put that's what we do as parents. That's correct.\n\nChannel 0: Yep. I have I've got three of my own. Mine are a little still\n\nChannel 1: Yeah.\n\nChannel 0: a little bit younger. But\n\nChannel 1: Mine are all grown\n\nChannel 0: so\n\nChannel 1: up. So but\n\nChannel 0: they are.\n\nChannel 1: yeah. When they struggle a little bit, you never stop being a mom. So\n\nChannel 0: Nope. I actually had the pleasure of being able to call my mother the other day and apologize for something that I used to do as a kid because my kids decided to turn around and, you know, do it back as as that life cycle happens.\n\nChannel 1: Karma's bitch.\n\nChannel 0: Karma sucks. Yep. So I'll have a look at this. I'll start looking at I'll have a look at properties in around Crows Nest, Centenary Heights, that kinda area, and see what our valuation's actually looking like, whether $35,400 is realistic or whether the the the property margins are higher. I'll reach\n\nChannel 1: Mhmm.\n\nChannel 0: out to Brooke, my broker, and see what we're dealing with and whether it's a possibility for us to, you know, do what we're doing, possibly use some of our super as a deposit, exit strategy through super, pay it off, see what you know, if we went for a ten year term, what that kinda looks like. I think the only thing I'm missing is, firstly, what kind of money do you put away in savings, like, outside of your rent and everything you used to live? What do you normally save?\n\nChannel 1: Normally well, I've been packing my money into my trips. I've been paying for all of that at the moment. So\n\nChannel 0: Yeah.\n\nChannel 1: normally, I'm I'm comfortable saving 500 a week\n\nChannel 0: Per week. Fantastic.\n\nChannel 1: if I if I don't\n\nChannel 0: That\n\nChannel 1: spend it on my holiday.\n\nChannel 0: yeah. No. Of course. Like, at the moment, holiday aside, absolutely.\n\nChannel 1: Yeah. So,\n\nChannel 0: But what\n\nChannel 1: yeah,\n\nChannel 0: I'll\n\nChannel 1: I'm good saving 500 a week instead.\n\nChannel 0: perfect. So\n\nChannel 1: Perfect.\n\nChannel 0: what I'll do is I'll consider that because what we can do is we can have a strategy where, you know, maybe we're paying something to the, you know, $900 effect of the mortgage each each week if we do go with a mortgage so we can bring that term down, and I'll talk to Brooke and go from there on that sort of planning side of things. And then the only other thing I need is I would need an updated statement from your superannuation fund so I can have a look at that and see where it's sitting. Because, obviously, the last one we got was twelve months ago, and things have changed a little bit.\n\nChannel 1: Yeah. Yeah. I've lost 10,000. You guys have done really well for me. Like, I've had 9,000 put into my super,\n\nChannel 0: Yeah.\n\nChannel 1: and it's going up from 2 I think it was $2.25 in New Zealand or $2.23, and it's now up to $2.56.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: beautiful.\n\nChannel 1: little twerking that you guys did was really, really good. And then Trump was on the pool of war, and I lost them in two weeks.\n\nChannel 0: Yeah. No. That's okay. And we're not gonna make a, you know, drastic move or a big jump soon. We can we can time it a little bit.\n\nBut what I'll do is if I can send you an email and you can respond to it with a statement, or if you're comfortable, I can pop you over to Maddie now, and she can grab the details with you if you can log in to the account. It's up to you which way you wanna do it.\n\nChannel 1: Oh, I can log in to the account easily.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Okay. So what did you need to know?\n\nChannel 0: So if you can confirm what the balance is today.\n\nChannel 1: $256,879.67.\n\nChannel 0: This is fantastic. And where does our insurance policy sit? It's been twelve months down the line, so they would possibly\n\nChannel 1: Sure.\n\nChannel 0: have changed.\n\nChannel 1: So death insurance is 47,000. I pay $4.60 a week for that. There's\n\nChannel 0: What\n\nChannel 1: no\n\nChannel 0: else?\n\nChannel 1: cover for permanent disability and no income protection.\n\nChannel 0: No IP. Perfect. Okay. So it's\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: wait.\n\nChannel 0: life insurance only.\n\nChannel 1: What is this name? Oh, there's no charge there. So PayGuard income protection covers you for up to 90% of your income plus 10 of your benefit\n\nChannel 0: Cool.\n\nChannel 1: into your post plus super for twenty one day waiting period. So, yes, I do have income protection.\n\nChannel 0: Cool. Twenty one twenty one day waiting period to your benefit period. Do you know what you pay on the income protection?\n\nChannel 1: No. I don't.\n\nChannel 0: Doesn't have a premium\n\nChannel 1: I've\n\nChannel 0: written\n\nChannel 1: got\n\nChannel 0: there?\n\nChannel 1: no. I've just got $4.60 a week tomorrow.\n\nChannel 0: Life. Right. That's okay. I can look at the PDF, and I can find it from there. That's easy enough.\n\nThat's easy. Easy. Easy enough. Alright. Perfect.\n\nThat gives me everything. I know what investments are in place because we changed them, so that's\n\nChannel 1: Yes.\n\nChannel 0: too easy on that side. Amazing. Alright. Well, what I'll do is I'll start getting in and getting some research happening for you. And would you like we can reconvene and have a chat the week you get back from Bali?\n\nChannel 1: Yeah. That's fine, honey.\n\nChannel 0: Yeah? Alright. So\n\nChannel 1: Come\n\nChannel 0: let's\n\nChannel 1: back\n\nChannel 0: lock in\n\nChannel 1: the Thursday make it Thursday the twenty third.\n\nChannel 0: twenty third. Yeah. Fantastic. Let's lock in the twenty third. Are you okay with 3PM still?\n\nChannel 1: That's fine, sweetie.\n\nChannel 0: Alright. Perfect. So we'll lock in the twenty third, 3PM, and we can go through and have a chat from there. I'll jump on the phone with Brooke now and try and catch her before Easter break. If not, I'll catch\n\nChannel 1: Yeah.\n\nChannel 0: her next week, and\n\nChannel 1: Yeah.\n\nChannel 0: we can\n\nChannel 1: And,\n\nChannel 0: go\n\nChannel 1: like,\n\nChannel 0: from\n\nChannel 1: there's\n\nChannel 0: there.\n\nChannel 1: no stress if if it can't.\n\nChannel 0: Yeah.\n\nChannel 1: If\n\nChannel 0: It's\n\nChannel 1: it\n\nChannel 0: just\n\nChannel 1: if\n\nChannel 0: it's\n\nChannel 1: it\n\nChannel 0: a\n\nChannel 1: is\n\nChannel 0: good avenue to look down.\n\nChannel 1: yeah. Just something to you know, so I'm not bloody paying dead money and it's something of my own.\n\nChannel 0: Yeah. Absolutely. Gives\n\nChannel 1: So\n\nChannel 0: you security and support, and that means that you have an asset. And, I mean, realistically, it means you could rent out a room. There's residual income there as well. Gives the kids somewhere to bounce back to as well.\n\nChannel 1: Yeah. Oh, please don't resettle me.\n\nChannel 0: Listen. I'm\n\nChannel 1: My\n\nChannel 0: one of\n\nChannel 1: my young my youngest daughter my eldest daughter turns 42 this year. My youngest daughter no. My I didn't oh, no. Just ten's 40 next year. My\n\nChannel 0: Yes.\n\nChannel 1: eldest\n\nChannel 0: Yeah.\n\nChannel 1: sort of 10 is 41 oh, 42 next year. She's 40\n\nChannel 0: Yeah.\n\nChannel 1: one this year, Jess is 39, and my son is 36 this year. So\n\nChannel 0: Do you\n\nChannel 1: no.\n\nChannel 0: oh, you\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: don't\n\nChannel 0: 4.\n\nChannel 1: come on. No. I have 3.\n\nChannel 0: 3. Alright.\n\nChannel 1: 3\n\nChannel 0: Cool.\n\nChannel 1: and 9\n\nChannel 0: Yeah.\n\nChannel 1: branches.\n\nChannel 0: And\n\nChannel 1: Oh,\n\nChannel 0: I'm\n\nChannel 1: no. And that\n\nChannel 0: one\n\nChannel 1: ain't never where all my money goes.\n\nChannel 0: yeah. Don't worry. I'm I'm one of seven, and there's 11 grandkids so far\n\nChannel 1: Oh\n\nChannel 0: so\n\nChannel 1: my\n\nChannel 0: far.\n\nChannel 1: gosh. Love.\n\nChannel 0: I'm done. I have three myself. That's that's sufficient.\n\nChannel 1: Yeah.\n\nChannel 0: It fills the back seat\n\nChannel 1: Oh,\n\nChannel 0: of\n\nChannel 1: look.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: car.\n\nChannel 1: I said to mine, don't make me go into double digits. That's it. Christmas is crazy. Easter's crazy.\n\nChannel 0: Yep. Oh, and\n\nChannel 1: It's\n\nChannel 0: you'll have a\n\nChannel 1: too\n\nChannel 0: lovely\n\nChannel 1: much.\n\nChannel 0: Easter, though. Like, look at the chocolate and the craziness and the kids running around.\n\nChannel 1: Oh my\n\nChannel 0: They\n\nChannel 1: god.\n\nChannel 0: don't\n\nChannel 1: Well,\n\nChannel 0: stop.\n\nChannel 1: I'm waiting on what you say. Yay. Public holiday rate. Yay.\n\nChannel 0: This is true. Good\n\nChannel 1: Yeah.\n\nChannel 0: old public holiday. Right?\n\nChannel 1: Yeah. $78 an hour. I'm happy with that.\n\nChannel 0: Oh, you gotta be happy with that.\n\nChannel 1: Mhmm. So just before I go away. Woo hoo.\n\nChannel 0: Give you a little boost to the\n\nChannel 1: Yes.\n\nChannel 0: income so you can enjoy the holiday a little bit more, have an extra\n\nChannel 1: That's\n\nChannel 0: cocktail or two.\n\nChannel 1: why. Oh god. I will, darling. I will.\n\nChannel 0: Perfect. Alright. Well, I will let you go. You have a fantastic Easter, and I'll get cracking with all of this, and we'll speak in a few weeks.\n\nChannel 1: Beautiful. Thank you so much.\n\nChannel 0: No. Absolutely my pleasure, Michelle. We'll speak soon.\n\nChannel 1: Thanks, gorgeous. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.019125478342175484}],"sentiment":"neutral","sentiment_score":0.019125478342175484,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi.","start":3.28,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.10257386416196825},{"text":"Good afternoon, Michelle.","start":3.6799998,"end":5.14,"sentiment":"neutral","sentiment_score":0.22337390979131064},{"text":"Larissa here from Oakview Financial.","start":5.2799997,"end":6.98,"sentiment":"neutral","sentiment_score":0.17459371984004973},{"text":"How are","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.1669028177857399}],"sentiment":"neutral","sentiment_score":0.17995180257342078,"channel":0,"num_words":11,"start":3.28,"end":7.3599997},{"sentences":[{"text":"How","start":7.3599997,"end":7.6,"sentiment":"neutral","sentiment_score":0.1638660728931427}],"sentiment":"neutral","sentiment_score":0.1638660728931427,"channel":1,"num_words":1,"start":7.3599997,"end":7.6},{"sentences":[{"text":"you going?","start":7.3599997,"end":7.94,"sentiment":"neutral","sentiment_score":0.17644111067056656}],"sentiment":"neutral","sentiment_score":0.17644111067056656,"channel":0,"num_words":2,"start":7.3599997,"end":7.94},{"sentences":[{"text":"are you, Louis?","start":7.6,"end":8.48,"sentiment":"neutral","sentiment_score":0.11323709785938263},{"text":"I'm very well.","start":8.48,"end":9.28,"sentiment":"positive","sentiment_score":0.5064025719960531},{"text":"Thank you.","start":9.28,"end":9.94,"sentiment":"positive","sentiment_score":0.700523853302002}],"sentiment":"positive","sentiment_score":0.40749583952128887,"channel":1,"num_words":8,"start":7.6,"end":9.94},{"sentences":[{"text":"I'm very well.","start":10.08,"end":11.04,"sentiment":"positive","sentiment_score":0.5781988898913065},{"text":"Thank you for asking.","start":11.04,"end":12.179999,"sentiment":"positive","sentiment_score":0.6006045341491699},{"text":"So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for","start":14.085,"end":25.625,"sentiment":"neutral","sentiment_score":0.146896651060116}],"sentiment":"neutral","sentiment_score":0.21166203124448657,"channel":0,"num_words":48,"start":10.08,"end":25.625},{"sentences":[{"text":"Let's do it.","start":26.095001,"end":27.15,"sentiment":"neutral","sentiment_score":0.06446721901496251}],"sentiment":"neutral","sentiment_score":0.06446721901496251,"channel":1,"num_words":3,"start":26.095001,"end":27.15},{"sentences":[{"text":"retirement.","start":27.859999,"end":28.359999,"sentiment":"neutral","sentiment_score":0.015558161772787573},{"text":"So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time.","start":29.619999,"end":37.8,"sentiment":"neutral","sentiment_score":0.02886890344645666},{"text":"Nearly twelve oh, twelve months ago.","start":38.18,"end":39.78,"sentiment":"neutral","sentiment_score":0.0023268077444906035},{"text":"Twelve months pretty much lead","start":39.78,"end":40.82,"sentiment":"neutral","sentiment_score":-0.0012922652065753936}],"sentiment":"neutral","sentiment_score":0.01962978461358164,"channel":0,"num_words":35,"start":27.859999,"end":40.82},{"sentences":[{"text":"Yeah.","start":40.67,"end":40.989998,"sentiment":"neutral","sentiment_score":0.006464899517595768}],"sentiment":"neutral","sentiment_score":0.006464899517595768,"channel":1,"num_words":1,"start":40.67,"end":40.989998},{"sentences":[{"text":"to 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yeah.","start":1117.135,"end":1117.775,"sentiment":"positive","sentiment_score":0.5129440824190775},{"text":"You were just helping helping your daughter out.","start":1117.775,"end":1120.175,"sentiment":"positive","sentiment_score":0.5605160519480705},{"text":"It's what we do 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correct.","start":1122.625,"end":1123.365,"sentiment":"neutral","sentiment_score":0.20161426067352295}],"sentiment":"neutral","sentiment_score":0.24838701718383366,"channel":1,"num_words":9,"start":1121.0249,"end":1123.365},{"sentences":[{"text":"Yep.","start":1123.6951,"end":1124.1951,"sentiment":"neutral","sentiment_score":0.08332954347133636},{"text":"I have I've got three of my own.","start":1124.75,"end":1126.5901,"sentiment":"neutral","sentiment_score":0.018194912001490593},{"text":"Mine are a little 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that.","start":1560.98,"end":1563.0,"sentiment":"neutral","sentiment_score":0.27414141808237347}],"sentiment":"neutral","sentiment_score":0.27414141808237347,"channel":0,"num_words":7,"start":1560.98,"end":1563.0},{"sentences":[{"text":"Mhmm.","start":1563.335,"end":1563.835,"sentiment":"neutral","sentiment_score":0.012206765823066236},{"text":"So just before I go away.","start":1565.575,"end":1567.4349,"sentiment":"neutral","sentiment_score":-0.02875667375822862},{"text":"Woo hoo.","start":1567.495,"end":1568.1549,"sentiment":"positive","sentiment_score":0.6455774009227753}],"sentiment":"neutral","sentiment_score":0.12564683612436056,"channel":1,"num_words":9,"start":1563.335,"end":1568.1549},{"sentences":[{"text":"Give you a little boost to the","start":1568.465,"end":1570.865,"sentiment":"positive","sentiment_score":0.33771691790648867}],"sentiment":"positive","sentiment_score":0.33771691790648867,"channel":0,"num_words":7,"start":1568.465,"end":1570.865},{"sentences":[{"text":"Yes.","start":1570.855,"end":1571.355,"sentiment":"neutral","sentiment_score":0.16926749050617218}],"sentiment":"neutral","sentiment_score":0.16926749050617218,"channel":1,"num_words":1,"start":1570.855,"end":1571.355},{"sentences":[{"text":"income so you can enjoy the holiday a little bit more, have an extra","start":1570.865,"end":1575.745,"sentiment":"positive","sentiment_score":0.4054616019129753}],"sentiment":"positive","sentiment_score":0.4054616019129753,"channel":0,"num_words":14,"start":1570.865,"end":1575.745},{"sentences":[{"text":"That's","start":1575.63,"end":1576.13,"sentiment":"neutral","sentiment_score":0.10813325643539427}],"sentiment":"neutral","sentiment_score":0.10813325643539427,"channel":1,"num_words":1,"start":1575.63,"end":1576.13},{"sentences":[{"text":"cocktail or two.","start":1575.745,"end":1576.8049,"sentiment":"neutral","sentiment_score":0.19277378916740417}],"sentiment":"neutral","sentiment_score":0.19277378916740417,"channel":0,"num_words":3,"start":1575.745,"end":1576.8049},{"sentences":[{"text":"why.","start":1576.51,"end":1577.01,"sentiment":"neutral","sentiment_score":0.04316828027367592},{"text":"Oh god.","start":1577.07,"end":1577.5499,"sentiment":"neutral","sentiment_score":0.1754625290632248},{"text":"I will, darling.","start":1577.5499,"end":1578.35,"sentiment":"positive","sentiment_score":0.3436821500460307},{"text":"I will.","start":1578.35,"end":1578.9299,"sentiment":"neutral","sentiment_score":0.2905267924070358}],"sentiment":"neutral","sentiment_score":0.25077417166903615,"channel":1,"num_words":8,"start":1576.51,"end":1578.9299},{"sentences":[{"text":"Perfect.","start":1581.14,"end":1581.54,"sentiment":"positive","sentiment_score":0.6542962789535522},{"text":"Alright.","start":1581.54,"end":1581.86,"sentiment":"positive","sentiment_score":0.38870739936828613},{"text":"Well, I will let you go.","start":1581.86,"end":1582.74,"sentiment":"positive","sentiment_score":0.49840132892131805},{"text":"You have a fantastic Easter, and I'll get cracking with all of this, and we'll speak in a few weeks.","start":1582.74,"end":1587.2189,"sentiment":"positive","sentiment_score":0.6256616584956646}],"sentiment":"positive","sentiment_score":0.5909516007772514,"channel":0,"num_words":28,"start":1581.14,"end":1587.2189},{"sentences":[{"text":"Beautiful.","start":1587.47,"end":1587.97,"sentiment":"positive","sentiment_score":0.7907308340072632},{"text":"Thank you so much.","start":1588.11,"end":1589.199,"sentiment":"positive","sentiment_score":0.8120860159397125}],"sentiment":"positive","sentiment_score":0.8078149795532227,"channel":1,"num_words":5,"start":1587.47,"end":1589.199},{"sentences":[{"text":"No.","start":1589.7789,"end":1590.0989,"sentiment":"neutral","sentiment_score":0.12318790704011916},{"text":"Absolutely my pleasure, Michelle.","start":1590.0989,"end":1591.3789,"sentiment":"positive","sentiment_score":0.647693932056427},{"text":"We'll speak soon.","start":1591.3789,"end":1592.3589,"sentiment":"positive","sentiment_score":0.4607374370098114}],"sentiment":"positive","sentiment_score":0.5120219932869077,"channel":0,"num_words":8,"start":1589.7789,"end":1592.3589},{"sentences":[{"text":"Thanks, gorgeous.","start":1592.3989,"end":1593.2789,"sentiment":"positive","sentiment_score":0.7930712997913361},{"text":"Bye bye.","start":1593.2789,"end":1594.0189,"sentiment":"positive","sentiment_score":0.39337389171123505}],"sentiment":"positive","sentiment_score":0.5932225957512856,"channel":1,"num_words":4,"start":1592.3989,"end":1594.0189},{"sentences":[{"text":"Bye.","start":1594.4188,"end":1594.9188,"sentiment":"neutral","sentiment_score":-0.1122165396809578}],"sentiment":"neutral","sentiment_score":-0.1122165396809578,"channel":0,"num_words":1,"start":1594.4188,"end":1594.9188}]},"summary":{"result":"success","short":"A representative from Oakview Financial discusses retirement plans with the customer, including their employment history and expenses, income and expenses, and credit card bills. The representative suggests using superann pains to pay off debts and savings and a loan to pay for a buyer unit. The customer expresses interest in settling into a new area and plans to work in a certain area. The representative emphasizes staying comfortable and building savings to achieve retirement goals. The customer provides personal information and income, including their life insurance policy and death insurance, and schedules a call for the following week to discuss details."},"intents":{"segments":[{"text":"So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for Let's do it.","start_word":30,"end_word":73,"intents":[{"intent":"Decide next steps","confidence_score":0.000023015753},{"intent":"Discuss where things fit","confidence_score":0.0582418}]},{"text":"So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time.","start_word":75,"end_word":97,"intents":[{"intent":"Check file","confidence_score":0.0100238975}]},{"text":"So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead Yeah.","start_word":75,"end_word":109,"intents":[{"intent":"Explain personal experience","confidence_score":0.000025509922}]},{"text":"So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead Yeah. to the With day. these twelve months.","start_word":75,"end_word":116,"intents":[{"intent":"Retire","confidence_score":0.00075117394}]},{"text":"So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead Yeah. to the With day. these twelve months. Yeah.","start_word":75,"end_word":117,"intents":[{"intent":"Discuss retirement timeline","confidence_score":0.00029612298}]},{"text":"fantastic. That's So fantastic. I've changed, yeah, I've changed careers. Yes. Yeah. So I now do disability work and loving it. It's only casual Beautiful. work, but, honey, the hours are just crazy. Yeah. Oh, that's so good to hear. Yeah. And you're loving It's really it by the sounds of it. oh, I really, really do. Absolutely Perfect. love it.","start_word":172,"end_word":232,"intents":[{"intent":"Express satisfaction","confidence_score":0.0023244736}]},{"text":"That's So fantastic. I've changed, yeah, I've changed careers. Yes. Yeah. So I now do disability work and loving it. It's only casual Beautiful. work, but, honey, the hours are just crazy. Yeah. Oh, that's so good to hear. Yeah. And you're loving It's really it by the sounds of it. oh, I really, really do. Absolutely Perfect. love it.","start_word":173,"end_word":232,"intents":[{"intent":"Express emotions","confidence_score":0.00027152916}]},{"text":"So I now do disability work and loving it. It's only casual Beautiful.","start_word":184,"end_word":196,"intents":[{"intent":"Confirm current work","confidence_score":0.00066696625},{"intent":"Address disability","confidence_score":0.00003222955}]},{"text":"So let me, I guess, get a bit of a oh, that's not what I wanted. I'm just opening random things everywhere here. It. It really is. Sometimes computers throw my head in. I know. I I know technology is great, but it wants to play the game. Oh, and it never does wanna play the game. No. Okay. There we go. That's what I wanted.","start_word":237,"end_word":302,"intents":[{"intent":"Provide assistance","confidence_score":0.0070779086}]},{"text":"I work anywhere from forty hours to fifty five hours a week. Okay.","start_word":338,"end_word":350,"intents":[{"intent":"Clarify work hours","confidence_score":0.023478681}]},{"text":"And what's that income looking like? Or, like, what what was your income over the last twelve months, I guess?","start_word":352,"end_word":371,"intents":[{"intent":"Estimate income","confidence_score":0.014182507}]},{"text":"And how long have you been working for this company? since May.","start_word":405,"end_word":416,"intents":[{"intent":"Determine duration of work","confidence_score":0.053661335}]},{"text":"We are, yeah, looking at about $1.00 5 is what I'm kind of Yeah. looking at.","start_word":492,"end_word":507,"intents":[{"intent":"Determine cost","confidence_score":0.009525864}]},{"text":"And then how are we going expenses wise, savings wise with the move?","start_word":525,"end_word":537,"intents":[{"intent":"Explain savings","confidence_score":0.0026220318},{"intent":"Determine expenses","confidence_score":0.30007505}]},{"text":"I've still got the personal loan. I've got 5,000 loan on that. Yep.","start_word":618,"end_word":630,"intents":[{"intent":"Describe personal loan","confidence_score":0.014036822}]},{"text":"okay.","start_word":677,"end_word":677,"intents":[{"intent":"Determine credit card payment","confidence_score":0.027763993}]},{"text":"So once we pay off the the 4,000 owing, we'll be able to go from there. Yes. Yeah.","start_word":829,"end_word":846,"intents":[{"intent":"Clarify payment plan","confidence_score":0.017375225}]},{"text":"Well, they won't loan me any money, but I would love to be able to buy my own little unit. Yeah.","start_word":1207,"end_word":1227,"intents":[{"intent":"Resolve financial concerns","confidence_score":0.005311901}]},{"text":"You've you've increased your income exponentially from, like, the 74,000 you were on previously. So you've Yeah.","start_word":1485,"end_word":1501,"intents":[{"intent":"Extend income","confidence_score":0.002235416}]},{"text":"Because what I can do is I can reach out to some of my, like, brokers that I I deal with and see if there's any capacity for us to be able to maybe see that's come to fruition. No.","start_word":1563,"end_word":1602,"intents":[{"intent":"Reach out to brokers","confidence_score":0.7290518}]},{"text":"Because what I'll do is I'll reach out to some of my brokers and just start like, I'll put the fields out and and, I guess, put you forward as a as, like, a a case to see what they say in response whether it's it's possible that we could do something in that area.","start_word":1662,"end_word":1716,"intents":[{"intent":"Place field","confidence_score":0.0015800893}]},{"text":"Would you be comfortable using your superannuation as the as, like, as the, I guess, final payment plan for that mortgage? Obviously, working as long as you can to pay the mortgage down over the next few years and then, you know, come retirement using your superannuation to pay off the remainder of the mortgage. Is that something you're comfortable with doing? Because that would Yeah.","start_word":1718,"end_word":1783,"intents":[{"intent":"Expressing comfortable investing strategy","confidence_score":6.0725057e-7}]},{"text":"I I would be comfortable doing that. Okay.","start_word":1798,"end_word":1805,"intents":[{"intent":"Expressing desire for retirement","confidence_score":0.0061230515}]},{"text":"Because what we could probably look at doing is, like, kinda going for a a shorter mortgage term with the broker and and see where that lands us and and go from there with regards to paying it off.","start_word":1806,"end_word":1844,"intents":[{"intent":"Suggesting longer mortgage term","confidence_score":0.0011819038}]},{"text":"It's you know, if we wanna get into a home, this is the way we'd have to probably look at doing it. I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy. I love it. But sorry.","start_word":1888,"end_word":1940,"intents":[{"intent":"Discussing comfort level","confidence_score":0.09586296}]},{"text":"I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy. I love it. But sorry.","start_word":1910,"end_word":1940,"intents":[{"intent":"Suggesting alternative options","confidence_score":0.028712856},{"intent":"Expressing desire for independence","confidence_score":0.000008633817}]},{"text":"So I guess, superannuation wise, are you still very comfortable with the direction Kyle was looking at heading in twelve months ago? We obviously didn't execute it because a lot of things were happening in your world Yeah. at the time. Yeah. Obviously, things have changed with the economic climate and and where things land now. Yeah.","start_word":2220,"end_word":2276,"intents":[{"intent":"Assess financial situation","confidence_score":0.041866474}]},{"text":"beautiful. Looks It beautiful. it does.","start_word":2532,"end_word":2537,"intents":[{"intent":"Confirm understanding","confidence_score":0.015521544}]},{"text":"Besides a good cocktail on the beach, it's lovely.","start_word":2559,"end_word":2567,"intents":[{"intent":"Express gratitude","confidence_score":0.06836667}]},{"text":"So when do you fly out?","start_word":2596,"end_word":2601,"intents":[{"intent":"Ask about travel plans","confidence_score":0.025478411},{"intent":"Request flight information","confidence_score":0.0034137955}]},{"text":"Do you know by any chance how much is left on the car loan? Oh, honey.","start_word":2705,"end_word":2720,"intents":[{"intent":"Request information","confidence_score":0.003409438},{"intent":"Request car loan amount","confidence_score":0.011147473}]},{"text":"what I'll do is I'll consider that because what we can do is we can have a strategy where, you know, maybe we're paying something to the, you know, $900 effect of the mortgage each each week if we do go with a mortgage so we can bring that term down, and I'll talk to Brooke and go from there on that sort of planning side of things.","start_word":3157,"end_word":3224,"intents":[{"intent":"Share savings strategies","confidence_score":0.0016593132}]},{"text":"And where does our insurance policy sit?","start_word":3470,"end_word":3476,"intents":[{"intent":"Educate about insurance policy","confidence_score":0.00092689507}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Good afternoon, Michelle. Larissa here from Oakview Financial. How are you How going? are you, Louis?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.15420475602149963},{"text":"I'm very well. Thank you. I'm very well. Thank you for asking.","start_word":18,"end_word":29,"sentiment":"positive","sentiment_score":0.5760964751243591},{"text":"So I was giving you a call today to have a bit of a discussion about where things fit now and see whether we can look at making a bit of a change to everything and get you all ready for Let's do it. retirement. So I'm very familiar with your file because I was Kyle's supervising adviser when he was going through your advice at the time. Nearly twelve oh, twelve months ago. Twelve months pretty much lead Yeah. to the With day. these twelve months. Yeah. Yeah. So I know that at the time, you were in the middle of moving to Toowoomba, and there was quite a number That's of things right. that were happening in your life. Now I did wanna, I guess, double check and see how did everything go with the move Absolutely and settling in.","start_word":30,"end_word":171,"sentiment":"neutral","sentiment_score":0.059084776788949966},{"text":"fantastic. That's So fantastic.","start_word":172,"end_word":175,"sentiment":"positive","sentiment_score":0.49975794553756714},{"text":"I've changed, yeah, I've changed careers. Yes. Yeah. So I now do disability work and loving it. It's only casual Beautiful. work, but, honey, the hours are just crazy. Yeah. Oh, that's so good to hear. Yeah. And you're loving It's really it by the sounds of it. oh, I really, really do.","start_word":176,"end_word":228,"sentiment":"neutral","sentiment_score":0.1613898128271103},{"text":"Absolutely Perfect. love it.","start_word":229,"end_word":232,"sentiment":"positive","sentiment_score":0.4742443561553955},{"text":"No. That's beautiful. Okay. So let me, I guess, get a bit of a oh, that's not what I wanted. I'm just opening random things everywhere here. It. It really is. Sometimes computers throw my head in. I know. I I know technology is great, but it wants to play the game. Oh, and it never does wanna play the game. No. Okay. There we go. That's what I wanted. Alright. So from last we spoke, Mhmm. you of it, you were a duty manager at the time. So now your disability support work. So what do our hours look like? Where are we sitting? I work anywhere from forty hours to fifty five hours a week. Okay. And what's that income looking like? Or, like, what what was your income over the last twelve months, I guess? Oh, I can tell you that. Since financial year with this comp with just with this company, because I was working for a couple of companies, My income thus far is 87,163 Yep.","start_word":233,"end_word":403,"sentiment":"neutral","sentiment_score":-0.027821924352245023},{"text":"Perfect.","start_word":404,"end_word":404,"sentiment":"positive","sentiment_score":0.4409995675086975},{"text":"And how long have you been working for this company? since May. Okay. So May 2020. Oh, cool.","start_word":405,"end_word":422,"sentiment":"neutral","sentiment_score":0.11570629477500916},{"text":"So that's a full financial year with this company.","start_word":423,"end_word":431,"sentiment":"positive","sentiment_score":0.34098899364471436},{"text":"That's the financial year. That's far.","start_word":432,"end_word":437,"sentiment":"neutral","sentiment_score":0.2604016363620758},{"text":"Fantastic.","start_word":438,"end_word":438,"sentiment":"positive","sentiment_score":0.6417593955993652},{"text":"Okay. So I'll probably be looking at around about a 110, a I hundred was gonna and say yeah. But we're gonna we're gonna get up there. That's two. divide divide that to ten months. I go I am not matting today. Oh my lord. And then go to that ten, twelve months. We are, yeah, looking at about $1.00 5 is what I'm kind of Yeah. looking at. Cool. Alright. So that gives us alright.","start_word":439,"end_word":514,"sentiment":"neutral","sentiment_score":0.059841204434633255},{"text":"Cool. So that gives us a good income based start.","start_word":515,"end_word":524,"sentiment":"positive","sentiment_score":0.550163745880127},{"text":"And then how are we going expenses wise, savings wise with the move? I bought myself a trip to Bali. Yeah. Well I then. haven't saved. I I had, like, 7,000 saved, and then I helped my kids out. So I don't have anything Yep. at the moment. I've got two and a half thousand. Okay. That's okay. Generally, on a week to week, how do we go? Because I know that you had, like, a a bit of a you had the a personal loan and a and a car loan. Yeah. I've still got the personal loan. I've got 5,000 loan on that. Yep. And I've got I've still got the car loan, so my daughter pays for that.","start_word":525,"end_word":645,"sentiment":"neutral","sentiment_score":0.02973095513880253},{"text":"Perfect.","start_word":646,"end_word":646,"sentiment":"positive","sentiment_score":0.34352415800094604},{"text":"Because it's her car, I just got the loan for her. Yeah. And then I've just got, like, every other rent, all those other expenses Yep. and What's credit cards. okay. So What's I've got our 4 rent? thousand. Our rent Yep. is $4.20 a week. $4.20.","start_word":647,"end_word":693,"sentiment":"neutral","sentiment_score":0.06240557645388106},{"text":"Perfect.","start_word":694,"end_word":694,"sentiment":"positive","sentiment_score":0.4488517642021179},{"text":"And our credit card? Credit card is the two of them combined is 6 and a half. Okay. Do we owe anything on them, or do we just use them for Yes. living expenses? No. No. No. No. So I that's what I owe on them. Perfect. What's our limit on the two of them combined? One's the 8 and a half oh, the other one I canceled, so I still owe 4,000 on that one. I canceled it and said I don't want that one. The other one's got 2,300 on the other. Okay. And the one that you have open, what's the limit on the open one? That is 2 and a half.","start_word":695,"end_word":809,"sentiment":"neutral","sentiment_score":-0.03922273218631744},{"text":"Perfect.","start_word":810,"end_word":810,"sentiment":"positive","sentiment_score":0.4077240228652954},{"text":"So it's just gonna give us an enough to be able to do our living expenses? Yep.","start_word":811,"end_word":827,"sentiment":"neutral","sentiment_score":0.22530218958854675},{"text":"Perfect.","start_word":828,"end_word":828,"sentiment":"positive","sentiment_score":0.43060803413391113},{"text":"So once we pay off the the 4,000 owing, we'll be able to go from there. Yes. Yeah.","start_word":829,"end_word":846,"sentiment":"neutral","sentiment_score":0.22187021374702456},{"text":"Fantastic.","start_word":847,"end_word":847,"sentiment":"positive","sentiment_score":0.4788855910301209},{"text":"Now with regards to where our address, what is the address for the new place that you're at? Unit 114 Ruth Street. Okay. At Centenary Heights.","start_word":848,"end_word":873,"sentiment":"neutral","sentiment_score":0.07821698486804962},{"text":"Fantastic.","start_word":874,"end_word":874,"sentiment":"positive","sentiment_score":0.42731648683547974},{"text":"That's a Alright. yeah. Cool. So I'm sure.","start_word":875,"end_word":882,"sentiment":"neutral","sentiment_score":0.20397287607192993},{"text":"Thanks, Newnan.","start_word":883,"end_word":884,"sentiment":"positive","sentiment_score":0.4233865737915039},{"text":"That's okay. I just wanted to double check. Alright.","start_word":885,"end_word":893,"sentiment":"neutral","sentiment_score":0.16380764544010162},{"text":"Amazing.","start_word":894,"end_word":894,"sentiment":"positive","sentiment_score":0.4297086298465729},{"text":"So that covers off, I guess, the the couple of did bits that would have been mismatched for the last twelve months. So goals wise, I know that one of the things that you were looking at over the last twelve months was you were gonna get your teeth done. Did you end up getting that done? No.","start_word":895,"end_word":952,"sentiment":"neutral","sentiment_score":0.004561707843095064},{"text":"Because it's gonna be too much mucking around.","start_word":953,"end_word":960,"sentiment":"negative","sentiment_score":-0.4331687390804291},{"text":"Thank you, darling. Gonna be too much mucking around getting the 55,000 out. Because I've got a quote and it's 55. Wow. She was on yeah. So I think I'll wait for a little bit, and then I'll Yeah. I'll get it done. Alright.","start_word":961,"end_word":1004,"sentiment":"neutral","sentiment_score":-0.012895559892058372},{"text":"Perfect.","start_word":1005,"end_word":1005,"sentiment":"positive","sentiment_score":0.4184499382972718},{"text":"Later goal.","start_word":1006,"end_word":1007,"sentiment":"neutral","sentiment_score":0.24904009699821472},{"text":"Fantastic.","start_word":1008,"end_word":1008,"sentiment":"positive","sentiment_score":0.5783998370170593},{"text":"So I guess that being a bit of a later goal, so something so, I guess, something that we look at in, you know, maybe two to three years' time. Yep. Yeah. What is what goals are you currently sort of focused on? Are we still very much in the same, I guess, area?","start_word":1009,"end_word":1062,"sentiment":"neutral","sentiment_score":0.16676118969917297},{"text":"Like, when we spoke last, we were talking about being comfortable in retirement, not having any debts, wanting to be able to travel and see your grandchildren. Yes. You wanted to make sure that your debt and income were covered so that in the event that anything happened to you, you were able to keep working until you're well into your sixties. Yes. And that you just sort of wanted to I mean, you have done that already, so big tick there. You you wanted to settle into the new town and and and just work on on paying down the debts, build up some savings, Yep. spend spend time with the family, stuff like that.","start_word":1063,"end_word":1178,"sentiment":"positive","sentiment_score":0.4562278687953949},{"text":"Is that still Yeah. the sort of That's still the goal. okay. Is there anything else goal wise that I need to be aware of or know about? Well, they won't loan me any money, but I would love to be able to buy my own little unit. Yeah. Maybe use some super tools that, you know, like, for a deposit. I don't know. With my eyes, it's sort of against Yeah. me. Yeah. It's possible that we like, that you could get a loan to pay a buyer unit, and then as an exit strategy, your superannuation can be used to pay off the balance of the loan. That is something that that I have done multiple times with clients who are Yeah. a little bit older, who are wanting to get into a home, Mhmm. is that you know? Because the ultimately, the the lender needs to know that there is security or assurance that the that the loan is gonna get paid. Yeah. So if you have an exit strategy around basically utilizing the superannuation to do Yeah. so, But it's gonna be tight Yeah. because, obviously, you know, we're 58. Am I doing that math right?","start_word":1179,"end_word":1378,"sentiment":"neutral","sentiment_score":0.019122812896966938},{"text":"I'm not doing that math right at all.","start_word":1379,"end_word":1386,"sentiment":"negative","sentiment_score":-0.5241765975952148},{"text":"That's for you, honey. Mhmm. You turned you turned 60 this month, don't you? That's correct. Yeah. I I was can doing use that math.","start_word":1387,"end_word":1411,"sentiment":"neutral","sentiment_score":0.10619062930345537},{"text":"I was doing that math completely wrong.","start_word":1412,"end_word":1418,"sentiment":"negative","sentiment_score":-0.38940349221229553},{"text":"Yeah. So you with you being 60, it's it's gonna be a little bit tight with regards to getting a loan and and I'm just gonna find a a man that's gonna go in home.","start_word":1419,"end_word":1453,"sentiment":"neutral","sentiment_score":0.003357082139700651},{"text":"That's a perfect strategy. That's my favorite one. Yeah. I mean, that's always definitely a definitely an option. But, really, you know, your income is pretty good with what you're doing. You've you've increased your income exponentially from, like, the 74,000 you were on previously.","start_word":1454,"end_word":1498,"sentiment":"positive","sentiment_score":0.4408521354198456},{"text":"So you've Yeah. got you've got a bit of income coming in from there. So with with with with the increase in income, if, you know, serviceability wise, we might be able to push it across the line, but it would have to be the cost is what it's gonna really come down to. Have you looked at what cost we could look at? Because what I can do is I can reach out to some of my, like, brokers that I I deal with and see if there's any capacity for us to be able to maybe see that's come to fruition. No. I haven't really looked at it yet. Like, I like this area, and I wanna stay Yeah. around this area. Okay. So Stands and I Henry would have Heights. to go just out well, in Toowoomba area, maybe at Yep. Wholeskro's Closeness. So probably looking at around about 03:50, four hundred. Yep. Okay. Christmas. 03:50 to four hundred. Okay. Because what I'll do is I'll reach out to some of my brokers and just start like, I'll put the fields out and and, I guess, put you forward as a as, like, a a case to see what they say in response whether it's it's possible that we could do something in that area. Would you be comfortable using your superannuation as the as, like, as the, I guess, final payment plan for that mortgage? Obviously, working as long as you can to pay the mortgage down over the next few years and then, you know, come retirement using your superannuation to pay off the remainder of the mortgage. Is that something you're comfortable with doing? Because that would Yeah. be the strategy that we'd be looking at doing if that's the case. Yes. No. I I would be comfortable doing that. Okay. Because what we could probably look at doing is, like, kinda going for a a shorter mortgage term with the broker and and see where that lands us and and go from there with regards to paying it off. It means that we're then like, we're living on Centrelink for an income. So it's gonna be a a bit of a drastic difference between, you know, your income now and going on to Centrelink income. But it depends on your comfort level. It's you know, if we wanna get into a home, this is the way we'd have to probably look at doing it. I can't, off the top of my head right now, think we'll consider an alternative outside of obviously getting ourselves a bit of a sugar daddy.","start_word":1499,"end_word":1935,"sentiment":"neutral","sentiment_score":0.14448632405606232},{"text":"I love it.","start_word":1936,"end_word":1938,"sentiment":"positive","sentiment_score":0.4166123867034912},{"text":"But sorry. But once but once we're in our home, obviously, that gives us security and assurance. And then Yeah. At a full depend time investment. it is. It means that, you know, you're leaving something for the kids as well. So if, you know, if, you know, when you when you do pass on, the kids have an asset that becomes theirs or becomes, you know, something for them to to have salon or or or rent out and have residual income from an like a, you know, estate planning or family planning point of view.","start_word":1939,"end_word":2035,"sentiment":"neutral","sentiment_score":0.24027565121650696},{"text":"But looking after you was obviously the primary outcome that we wanna focus on. We wanna make sure that you're comfortable in in in your life, not just looking after the kids. Then getting a house is, you know, a nice to have, Yes.","start_word":2036,"end_word":2079,"sentiment":"positive","sentiment_score":0.4540157914161682},{"text":"not anything else. Well, it's something worth looking into, isn't Yeah. Okay. No.","start_word":2080,"end_word":2092,"sentiment":"neutral","sentiment_score":0.02916771413471836},{"text":"That's perfect.","start_word":2093,"end_word":2094,"sentiment":"positive","sentiment_score":0.4685748517513275},{"text":"I will do the homework and look into it and see where we land on that. Obviously, I can ask the questions. it? Otherwise, Aside I'll from get a sugar daddy. Because honestly, the other it's fella find an old man. it's still it's still my plan. I mean, I've been married for a decade, and I'm I'm I think still looking. honey, I have been on my own since 2002. So So you've been I don't know. I've been oh, on my own since 2002. it's a bit hard to yeah. Yeah. Going going from being alone for the last two decades and and then trying to live with a man. I know. I know. Better off on my own. Oh, some days. Perfect. So I guess, superannuation wise, are you still very comfortable with the direction Kyle was looking at heading in twelve months ago? We obviously didn't execute it because a lot of things were happening in your world Yeah. at the time. Yeah. Obviously, things have changed with the economic climate and and where things land now. Yeah. But Bloody Trump. what too right. I love too Yeah. right. But what I can do is, I guess, refresh everything. Have a have a have a good look over where things fit. Obviously gonna reach out to my brokers. I have a Yeah.","start_word":2095,"end_word":2320,"sentiment":"neutral","sentiment_score":-0.016114506870508194},{"text":"gorgeous It's lady just good by the name to talk of Brooke.","start_word":2321,"end_word":2332,"sentiment":"positive","sentiment_score":0.38049232959747314},{"text":"because, you know, Yeah. I thought, well, you know, if I've used my super as a deposit and then Yep. and, you know, pay the mortgage because I'm paying about 420 here, and I can afford a little bit more once all my bloody bills are paid. So it's just food for thought. Yeah. And I'm looking at, you know, working well into my seventies. You have in this industry, it's just Yeah. You're comfortable to do so. You're not slowing down anytime soon. oh god. No. Don't. I'm doing my my sixtieth birthday, I'm doing a healing journey to Bali.","start_word":2333,"end_word":2433,"sentiment":"neutral","sentiment_score":0.12646273147351672},{"text":"I love that.","start_word":2434,"end_word":2436,"sentiment":"positive","sentiment_score":0.6356762051582336},{"text":"So I was I was I'm about doing to ask, a when self when healing. do you go to Bali? Yeah. I'm it's I'm going to turn 60 in Bali. So yeah. So I thought my friend was gonna come with me and then she couldn't go. And I said, you know what? I'm just gonna go on my own. I love that my in Yeah. laws move my in laws moved to Bali three years ago now, and they're loving I'm it. gonna do Ubud. That's where So they are. do you looks Yeah.","start_word":2437,"end_word":2531,"sentiment":"neutral","sentiment_score":0.08955884724855423},{"text":"beautiful. Looks It beautiful. it does. It's So stunning. that's my If doll.","start_word":2532,"end_word":2544,"sentiment":"positive","sentiment_score":0.5082591772079468},{"text":"you I'm gonna keep going back, I think. yep.","start_word":2545,"end_word":2553,"sentiment":"neutral","sentiment_score":0.09866897016763689},{"text":"Absolutely nothing wrong with that. Besides a good cocktail on the beach, it's lovely.","start_word":2554,"end_word":2567,"sentiment":"positive","sentiment_score":0.6052929162979126},{"text":"Oh, I I'm just I'm just doing me. That's the way to do it. Yes. Turning 60 on my own. Yeah. In Bali, enjoying In it. Bali. Yes. So when do you fly out? Just so I can I make sure fly that out I on the seventeenth, I'm sick. and I Yep. fly back on my birthday, the twenty first, and I can't get back into Australia the twenty second. Any second. Alright. So you've gone that. Perfect. That's okay. So for me to go ahead and start looking at things, you've given me pretty much everything. Like, you've got 2 and a half grand saved. That's that's fine. I've got an update on where all your debts sit. The debts that you you hold for your kids, a little bit painful from a claims perspective. Do you know by any chance how much is left on the car loan? Oh, honey. She took that over seven years. We're probably looking at around about $19.18. Pay thing left. Okay. Perfect. That's okay. It's it's in your name, but she pays for it. That's okay. So That's I'll correct. Yep. yeah. We can probably get away with, like, a a stat deck saying that it's not your responsibility to pay, and we can go from there. And Yeah. I'll have a chat Like, to I I Brooke. could show my bank account where she puts it in every fortnight and Yeah. has the registration and the insurance is on that side.","start_word":2568,"end_word":2818,"sentiment":"neutral","sentiment_score":0.02322349716645788},{"text":"Perfect. It's just yeah. You were just helping helping your daughter out. It's what we do as I parents.","start_word":2819,"end_word":2837,"sentiment":"positive","sentiment_score":0.5020871162414551},{"text":"put that's what we do as parents. That's correct. Yep. I have I've got three of my own. Mine are a little still Yeah. a little bit younger. But Mine are all grown so up. So but they are. yeah. When they struggle a little bit, you never stop being a mom. So Nope. I actually had the pleasure of being able to call my mother the other day and apologize for something that I used to do as a kid because my kids decided to turn around and, you know, do it back as as that life cycle happens.","start_word":2838,"end_word":2937,"sentiment":"neutral","sentiment_score":-0.013731650076806544},{"text":"Karma's bitch. Karma sucks.","start_word":2938,"end_word":2941,"sentiment":"negative","sentiment_score":-0.6208842396736145},{"text":"Yep. So I'll have a look at this. I'll start looking at I'll have a look at properties in around Crows Nest, Centenary Heights, that kinda area, and see what our valuation's actually looking like, whether $35,400 is realistic or whether the the the property margins are higher. I'll reach Mhmm. out to Brooke, my broker, and see what we're dealing with and whether it's a possibility for us to, you know, do what we're doing, possibly use some of our super as a deposit, exit strategy through super, pay it off, see what you know, if we went for a ten year term, what that kinda looks like. I think the only thing I'm missing is, firstly, what kind of money do you put away in savings, like, outside of your rent and everything you used to live? What do you normally save? Normally well, I've been packing my money into my trips. I've been paying for all of that at the moment. So Yeah. normally, I'm I'm comfortable saving 500 a week Per week.","start_word":2942,"end_word":3117,"sentiment":"neutral","sentiment_score":-0.03266725100746209},{"text":"Fantastic.","start_word":3118,"end_word":3118,"sentiment":"positive","sentiment_score":0.6836297512054443},{"text":"if I if I That don't spend it on my holiday. yeah. No. Of course. Like, at the moment, holiday aside, absolutely. Yeah. So, But what yeah, I'll I'm good saving 500 a week instead.","start_word":3119,"end_word":3153,"sentiment":"neutral","sentiment_score":0.12077858299016953},{"text":"perfect. So Perfect.","start_word":3154,"end_word":3156,"sentiment":"positive","sentiment_score":0.4869319498538971},{"text":"what I'll do is I'll consider that because what we can do is we can have a strategy where, you know, maybe we're paying something to the, you know, $900 effect of the mortgage each each week if we do go with a mortgage so we can bring that term down, and I'll talk to Brooke and go from there on that sort of planning side of things. And then the only other thing I need is I would need an updated statement from your superannuation fund so I can have a look at that and see where it's sitting. Because, obviously, the last one we got was twelve months ago, and things have changed a little bit. Yeah. Yeah. I've lost 10,000. You guys have done really well for me. Like, I've had 9,000 put into my super, Yeah. and it's going up from 2 I think it was $2.25 in New Zealand or $2.23, and it's now up to $2.56.","start_word":3157,"end_word":3318,"sentiment":"neutral","sentiment_score":0.08029359579086304},{"text":"Perfect. So That's the beautiful. little twerking that you guys did was really, really good.","start_word":3319,"end_word":3333,"sentiment":"positive","sentiment_score":0.49615415930747986},{"text":"And then Trump was on the pool of war, and I lost them in two weeks. Yeah. No. That's okay. And we're not gonna make a, you know, drastic move or a big jump soon. We can we can time it a little bit. But what I'll do is if I can send you an email and you can respond to it with a statement, or if you're comfortable, I can pop you over to Maddie now, and she can grab the details with you if you can log in to the account. It's up to you which way you wanna do it. Oh, I can log in to the account easily. Yeah. Perfect. Okay. So what did you need to know? So if you can confirm what the balance is today. $256,879.67.","start_word":3334,"end_word":3466,"sentiment":"neutral","sentiment_score":0.06311988085508347},{"text":"This is fantastic.","start_word":3467,"end_word":3469,"sentiment":"positive","sentiment_score":0.8148701190948486},{"text":"And where does our insurance policy sit? It's been twelve months down the line, so they would possibly Sure. have changed. So death insurance is 47,000. I pay $4.60 a week for that. There's What no else? cover for permanent disability and no income protection. No IP. Perfect. Okay. So it's Oh, the wait. life insurance only. What is this name? Oh, there's no charge there. So PayGuard income protection covers you for up to 90% of your income plus 10 of your benefit Cool. into your post plus super for twenty one day waiting period. So, yes, I do have income protection. Cool. Twenty one twenty one day waiting period to your benefit period. Do you know what you pay on the income protection? No. I don't. Doesn't have a premium I've written got there? no. I've just got $4.60 a week tomorrow. Life. Right. That's okay. I can look at the PDF, and I can find it from there. That's easy enough. That's easy. Easy. Easy enough. Alright.","start_word":3470,"end_word":3639,"sentiment":"neutral","sentiment_score":0.05239865928888321},{"text":"Perfect. That gives me everything.","start_word":3640,"end_word":3644,"sentiment":"positive","sentiment_score":0.4254441559314728},{"text":"I know what investments are in place because we changed them, so that's Yes. too easy on that side.","start_word":3645,"end_word":3663,"sentiment":"neutral","sentiment_score":0.1742808073759079},{"text":"Amazing.","start_word":3664,"end_word":3664,"sentiment":"positive","sentiment_score":0.5097159147262573},{"text":"Alright. Well, what I'll do is I'll start getting in and getting some research happening for you. And would you like we can reconvene and have a chat the week you get back from Bali? Yeah. That's fine, honey. Yeah? Alright. So Come let's back lock in the Thursday make it Thursday the twenty third. twenty third. Yeah.","start_word":3665,"end_word":3722,"sentiment":"neutral","sentiment_score":0.09832713752985},{"text":"Fantastic.","start_word":3723,"end_word":3723,"sentiment":"positive","sentiment_score":0.3745141327381134},{"text":"Let's lock in the twenty third. Are you okay with 3PM still? That's fine, sweetie. Alright. Perfect. So we'll lock in the twenty third, 3PM, and we can go through and have a chat from there. I'll jump on the phone with Brooke now and try and catch her before Easter break. If not, I'll catch Yeah. her next week, and Yeah. we can And, go like, from there's there. no stress if if it can't. Yeah. If It's it just if it's it a is good avenue to look down. yeah. Just something to you know, so I'm not bloody paying dead money and it's something of my own.","start_word":3724,"end_word":3833,"sentiment":"neutral","sentiment_score":0.022017163038253785},{"text":"Yeah. Absolutely. Gives So you security and support, and that means that you have an asset. And, I mean, realistically, it means you could rent out a room. There's residual income there as well.","start_word":3834,"end_word":3867,"sentiment":"positive","sentiment_score":0.431853711605072},{"text":"Gives the kids somewhere to bounce back to as well. Yeah. Oh, please don't resettle me. Listen. I'm My one of my young my youngest daughter my eldest daughter turns 42 this year. My youngest daughter no. My I didn't oh, no. Just ten's 40 next year. My Yes. eldest Yeah. sort of 10 is 41 oh, 42 next year. She's 40 Yeah. one this year, Jess is 39, and my son is 36 this year. So Do you no. oh, you I have don't 4. come on. No. I have 3. 3. Alright. 3 Cool. and 9 Yeah. branches. And Oh, I'm no. And that one ain't never where all my money goes. yeah. Don't worry. I'm I'm one of seven, and there's 11 grandkids so far Oh so my far. gosh. Love. I'm done. I have three myself. That's that's sufficient. Yeah. It fills the back seat Oh, of look. the I car. I said to mine, don't make me go into double digits. That's it. Christmas is crazy. Easter's crazy. Yep. Oh, and It's you'll have a too lovely much. Easter, though. Like, look at the chocolate and the craziness and the kids running around. Oh my They god. don't Well, stop. I'm waiting on what you say. Yay. Public holiday rate. Yay. This is true. Good Yeah. old public holiday. Right? Yeah. $78 an hour.","start_word":3868,"end_word":4096,"sentiment":"neutral","sentiment_score":0.01987408474087715},{"text":"I'm happy with that.","start_word":4097,"end_word":4100,"sentiment":"positive","sentiment_score":0.4679690301418304},{"text":"Oh, you gotta be happy with that. Mhmm. So just before I go away.","start_word":4101,"end_word":4114,"sentiment":"neutral","sentiment_score":0.12153196334838869},{"text":"Woo hoo.","start_word":4115,"end_word":4116,"sentiment":"positive","sentiment_score":0.6272738575935364},{"text":"Give you a little boost to the Yes. income so you can enjoy the holiday a little bit more, have an extra That's cocktail or two. why. Oh god.","start_word":4117,"end_word":4145,"sentiment":"neutral","sentiment_score":0.2888302206993103},{"text":"I will, darling.","start_word":4146,"end_word":4148,"sentiment":"positive","sentiment_score":0.3699532449245453},{"text":"I will.","start_word":4149,"end_word":4150,"sentiment":"neutral","sentiment_score":0.2868632972240448},{"text":"Perfect. Alright. Well, I will let you go. You have a fantastic Easter, and I'll get cracking with all of this, and we'll speak in a few weeks. Beautiful. Thank you so much.","start_word":4151,"end_word":4183,"sentiment":"positive","sentiment_score":0.606735110282898},{"text":"No.","start_word":4184,"end_word":4184,"sentiment":"neutral","sentiment_score":0.12318790704011916},{"text":"Absolutely my pleasure, Michelle. We'll speak soon. Thanks, gorgeous. Bye bye.","start_word":4185,"end_word":4195,"sentiment":"positive","sentiment_score":0.556470513343811},{"text":"Bye.","start_word":4196,"end_word":4196,"sentiment":"neutral","sentiment_score":0.22005623579025269}],"average":{"sentiment":"neutral","sentiment_score":0.09934688854768786}}}}