{"metadata":{"transaction_key":"deprecated","request_id":"019e874e-1056-7811-80b0-ae1bce3bbb75","sha256":"d5bb6247b1f3da054bfdcad7e460214673a805a06c145bcb4a695ae5bf44403d","created":"2026-06-02T07:48:23.142Z","duration":917.56793,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3741,"output_tokens":141},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4199,"output_tokens":4208},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4199,"output_tokens":330}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Grant. It's Tommy here, senior adviser of. How you been? Living the dream. It's been a fantastic evening. What about your end? Good to hear. Good to hear. Yeah. True that. True. Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation. Do you mind if I just quickly do the security check with you while I load up your file? Perfect. Can you just confirm your date of birth and address for me? Sensational. And are you okay for the call to be recorded for training and quality purposes? Fantastic. So the team let me know that you were just wanting to have a chat around the, like, the income protection with the switch to self employment. Has have you already done the switch? You wanna no. About to. Because last time you were doing the certificate four. K. Yep. Sensational. Yep. Fantastic. And I really appreciate your account and actually prompting that because that's a fantastic question to have. So there are a few things that change in terms of claims for the next twelve months, two years, three years, five years. So I'll kind of walk you through a little bit. Let me just pull up your current policy for a second just to make sense of it. So let's say you've got a cover amount of 5,693 a month, and that covers your policy is $20.27. So it covers you for 75%, not the new 70% the government mandated. So let's say you're protected for 90,000. As you go for the next Correct. So let's say you go self employed and a week later, something happens and you're out of work for six months. They will ask you for the last twelve months of financials, which for you will basically just be like a tax return saying I was earning $90,000, and I've just started self employed three weeks ago. They will look back twelve months, and they'll go, okay. He was on 90. Average it out 89,000, whatever it is, and they'll pay you 75% of that. So pretty well sweep. Now as the year goes on, let's say that you go self employed and you earn basically nothing for twelve months. Every month that that goes along, that twelve month look back is an average out. So if you had 90 and you're gonna end up in the year on $10, let's say, but you're halfway through the year, they're gonna grab the 90, grab the 10, half both of them, add them together. So the further you go along, the more that average out is gonna reduce the payout for the insurance. Does that make sense? Okay. That's good. Yeah. Yep. Keeps the income going. Yeah. Correct. And if you earn more than that, you just gotta remember that you you're still insured for what you're insured for. So if you magically earn a 180,000 in the first year, they're still gonna pay you out 75% of the 90 that you're insured for. Yes. There'll be no zeros, not like unemployment. No. You'll still get that $5.06 eight three axle. Correct. No. In theory, twelve months is basically to see what happens where two things should happen is either things go really, really well and you go, look, Matt, I wanna increase it because now I've got the income has gone up. And then they really wanna see self employed for about two years on average. But if it goes down, you don't wanna be paying premiums for something you can't claim on for more than twelve months and then the next year and then the next year then the next year. So if you earn, let's say, you only ever earn $50 for the next five years, you don't wanna be insured for 90 when you're only been earning 50. We should trim it down. So we get let it run for twelve months. Once it comes closer to that sort of next anniversary, we'll see what's going on with the income situation. We can average it out, and then I can make some adjustments from there. But outside of that, policy can roll. Yeah. Exactly right. Yep. Correct. Yep. You got it 100%. Yeah. It's one of those things where it's pretty common when people go self employed that the first few years, whether it's one year to five years is a bit of a holding pattern for super where you just get used to the usual, you know, putting aside for GST and and taxes and your BAS statements and all that kind of thing. And then pretty much. And then once that settles down, you're in a bit of a groove and things start rolling on, then you go, okay. I can easily start to put in a regular amount again. Or you get to the end of financial year, there's 240,000 sitting there, and you go, oh, I might put 30 in just to, you know, drop the tax down, boost the super back up, and because I've had all this excess that's just piled up to the side. So whatever happens Yeah. Yep. You got it. We basically just every review, we see what's been going on. Do we do regular amounts or lump sums or none? And the only thing is if it goes, you know, three years where nothing's really going that well and nothing goes in, we're not gonna be sitting there going, hey. Grant, you should sign another fee form and pay us for another twelve months when nothing's happening. We need to make sure that we're able to actually get you moving forward to help you get into an improved position. So worst case scenario, we go, look, might might not be in your best interest to be paying for an adviser right now. But if it rolls on, smooths out over the one to three years, it usually just picks back up pretty quickly. You just don't wanna be those guys that go to 50 eight. Yes. Yeah. A 100%. So you're at just shy of 92 that stays invested, and that's just kind of fluctuating up and down with the investments trying to grow on its own back. And one of the things that we do is we go, okay. You you don't wanna have too many things in terms of fees and insurance premiums and taxes all coming out of that with nothing going in. It can hold its own for a year or two, but it can't get you to a million dollars by itself with nothing. So that's why I said, like, that one to three year holding pattern is let the investments do their thing, sort out your cash flow and your taxes, let the insurance kinda sit there in the background for twelve months, and then we come back together. Do we adjust the insurance? Do we do the contributions lump sum or regular? And then what do we do from there, cash flow wise? Yeah. 100 percent. When we go through the reviews, I'll be checking all these points with you. And we have a lot of self employed guys where they get to the end of the year. We help them with the forms to claim the contributions as tax deductions and all that kind of thing and just kind of work in tandem with you guys and the accounts, and it works out pretty well. Pretty much. Yeah. And then it's just basically good on you for giving it a go. Best of luck, and and hopefully you get the vehicles and everything sorted and the work comes to the party. And, mate, we'd just love to hear that you're, you know, having a success out there in twelve months. Add to it. Yeah. No. That's cool. So we've got we were gonna get you kind of booked in in a couple of months' time for a bit of an update in terms of reviews and things like that. Up to you whether we just tee up in a couple of months or towards Christmas time, whatever your preferred contact frequency is from this point. Yeah. Awesome. No. No. We'll make sure everything is going smoothly because the world's kind of up and down at the moment. And if nothing, even if it's a short conversation saying everything's going well and you're starting off on your thing, at least it's a bit of a touch point, and then we can kind of space it out as we need to from there. Yeah. 100%. Mate, any questions for me before I let you go? Cool. If you do get to the point where you do start and you get everything registered and you and you go out, like, if you can give us a buzz, let us know. That'd be great. Otherwise, I'll be catching up with you in a couple of months anyway, and we will capture that at some point when we do do the next review. Fantastic. They're gonna pay out some long service leave or anything? Or yep. Fantastic. Alright, mate. Well, best of luck with it. I hope it goes really well, and I'm about to click off on on leave for a couple of weeks. The maybe number three is coming in a week and a half's time, so I'll be on a bit of paternity leave. So Yeah, mate. No. I appreciate you doing that. That really helps us. And, yeah, nothing to worry about and talk to you soon. Thanks, Trent. See you later. 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day, Grant. It's Tommy here, senior adviser of. How you been? Living the dream. It's been a fantastic evening.\n\nWhat about your end? Good to hear. Good to hear. Yeah. True that.\n\nTrue. Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation. Do you mind if I just quickly do the security check with you while I load up your file? Perfect. Can you just confirm your date of birth and address for me?\n\nSensational. And are you okay for the call to be recorded for training and quality purposes? Fantastic. So the team let me know that you were just wanting to have a chat around the, like, the income protection with the switch to self employment. Has have you already done the switch?\n\nYou wanna no. About to. Because last time you were doing the certificate four. K. Yep.\n\nSensational. Yep. Fantastic. And I really appreciate your account and actually prompting that because that's a fantastic question to have. So there are a few things that change in terms of claims for the next twelve months, two years, three years, five years.\n\nSo I'll kind of walk you through a little bit. Let me just pull up your current policy for a second just to make sense of it. So let's say you've got a cover amount of 5,693 a month, and that covers your policy is $20.27. So it covers you for 75%, not the new 70% the government mandated. So let's say you're protected for 90,000.\n\nAs you go for the next Correct. So let's say you go self employed and a week later, something happens and you're out of work for six months. They will ask you for the last twelve months of financials, which for you will basically just be like a tax return saying I was earning $90,000, and I've just started self employed three weeks ago. They will look back twelve months, and they'll go, okay. He was on 90.\n\nAverage it out 89,000, whatever it is, and they'll pay you 75% of that. So pretty well sweep. Now as the year goes on, let's say that you go self employed and you earn basically nothing for twelve months. Every month that that goes along, that twelve month look back is an average out. So if you had 90 and you're gonna end up in the year on $10, let's say, but you're halfway through the year, they're gonna grab the 90, grab the 10, half both of them, add them together.\n\nSo the further you go along, the more that average out is gonna reduce the payout for the insurance. Does that make sense? Okay. That's good. Yeah.\n\nYep. Keeps the income going. Yeah. Correct. And if you earn more than that, you just gotta remember that you you're still insured for what you're insured for.\n\nSo if you magically earn a 180,000 in the first year, they're still gonna pay you out 75% of the 90 that you're insured for. Yes. There'll be no zeros, not like unemployment. No. You'll still get that $5.06 eight three axle.\n\nCorrect. No. In theory, twelve months is basically to see what happens where two things should happen is either things go really, really well and you go, look, Matt, I wanna increase it because now I've got the income has gone up. And then they really wanna see self employed for about two years on average. But if it goes down, you don't wanna be paying premiums for something you can't claim on for more than twelve months and then the next year and then the next year then the next year.\n\nSo if you earn, let's say, you only ever earn $50 for the next five years, you don't wanna be insured for 90 when you're only been earning 50. We should trim it down. So we get let it run for twelve months. Once it comes closer to that sort of next anniversary, we'll see what's going on with the income situation. We can average it out, and then I can make some adjustments from there.\n\nBut outside of that, policy can roll. Yeah. Exactly right. Yep. Correct.\n\nYep. You got it 100%. Yeah. It's one of those things where it's pretty common when people go self employed that the first few years, whether it's one year to five years is a bit of a holding pattern for super where you just get used to the usual, you know, putting aside for GST and and taxes and your BAS statements and all that kind of thing. And then pretty much.\n\nAnd then once that settles down, you're in a bit of a groove and things start rolling on, then you go, okay. I can easily start to put in a regular amount again. Or you get to the end of financial year, there's 240,000 sitting there, and you go, oh, I might put 30 in just to, you know, drop the tax down, boost the super back up, and because I've had all this excess that's just piled up to the side. So whatever happens Yeah. Yep.\n\nYou got it. We basically just every review, we see what's been going on. Do we do regular amounts or lump sums or none? And the only thing is if it goes, you know, three years where nothing's really going that well and nothing goes in, we're not gonna be sitting there going, hey. Grant, you should sign another fee form and pay us for another twelve months when nothing's happening.\n\nWe need to make sure that we're able to actually get you moving forward to help you get into an improved position. So worst case scenario, we go, look, might might not be in your best interest to be paying for an adviser right now. But if it rolls on, smooths out over the one to three years, it usually just picks back up pretty quickly. You just don't wanna be those guys that go to 50 eight. Yes.\n\nYeah. A 100%. So you're at just shy of 92 that stays invested, and that's just kind of fluctuating up and down with the investments trying to grow on its own back. And one of the things that we do is we go, okay. You you don't wanna have too many things in terms of fees and insurance premiums and taxes all coming out of that with nothing going in.\n\nIt can hold its own for a year or two, but it can't get you to a million dollars by itself with nothing. So that's why I said, like, that one to three year holding pattern is let the investments do their thing, sort out your cash flow and your taxes, let the insurance kinda sit there in the background for twelve months, and then we come back together. Do we adjust the insurance? Do we do the contributions lump sum or regular? And then what do we do from there, cash flow wise?\n\nYeah. 100 percent. When we go through the reviews, I'll be checking all these points with you. And we have a lot of self employed guys where they get to the end of the year. We help them with the forms to claim the contributions as tax deductions and all that kind of thing and just kind of work in tandem with you guys and the accounts, and it works out pretty well.\n\nPretty much. Yeah. And then it's just basically good on you for giving it a go. Best of luck, and and hopefully you get the vehicles and everything sorted and the work comes to the party. And, mate, we'd just love to hear that you're, you know, having a success out there in twelve months.\n\nAdd to it. Yeah. No. That's cool. So we've got we were gonna get you kind of booked in in a couple of months' time for a bit of an update in terms of reviews and things like that.\n\nUp to you whether we just tee up in a couple of months or towards Christmas time, whatever your preferred contact frequency is from this point. Yeah. Awesome. No. No.\n\nWe'll make sure everything is going smoothly because the world's kind of up and down at the moment. And if nothing, even if it's a short conversation saying everything's going well and you're starting off on your thing, at least it's a bit of a touch point, and then we can kind of space it out as we need to from there. Yeah. 100%. Mate, any questions for me before I let you go?\n\nCool. If you do get to the point where you do start and you get everything registered and you and you go out, like, if you can give us a buzz, let us know. That'd be great. Otherwise, I'll be catching up with you in a couple of months anyway, and we will capture that at some point when we do do the next review. Fantastic.\n\nThey're gonna pay out some long service leave or anything? Or yep. Fantastic. Alright, mate. Well, best of luck with it.\n\nI hope it goes really well, and I'm about to click off on on leave for a couple of weeks. The maybe number three is coming in a week and a half's time, so I'll be on a bit of paternity leave. So Yeah, mate. No. I appreciate you doing that.\n\nThat really helps us. And, yeah, nothing to worry about and talk to you soon. Thanks, Trent. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Grant.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.24201171100139618},{"text":"It's Tommy here, senior adviser of.","start":3.6,"end":5.44,"sentiment":"neutral","sentiment_score":0.1546105071902275},{"text":"How you been?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.10737894227107365},{"text":"Living the dream.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.5233933925628662},{"text":"It's been a fantastic evening.","start":8.8,"end":10.32,"sentiment":"positive","sentiment_score":0.7045979022979736}],"sentiment":"positive","sentiment_score":0.3534502346068621,"num_words":20,"start":2.8799999,"end":10.32},{"sentences":[{"text":"What about your end?","start":10.32,"end":11.46,"sentiment":"neutral","sentiment_score":0.2821947932243347},{"text":"Good to hear.","start":14.025001,"end":14.585,"sentiment":"neutral","sentiment_score":0.033679257457454995},{"text":"Good to hear.","start":14.585,"end":15.405001,"sentiment":"neutral","sentiment_score":-0.02976180799305439},{"text":"Yeah.","start":17.225,"end":17.465,"sentiment":"neutral","sentiment_score":0.024022851139307026},{"text":"True that.","start":17.465,"end":18.105,"sentiment":"neutral","sentiment_score":0.0515789482742548}],"sentiment":"neutral","sentiment_score":0.09751632838295056,"num_words":13,"start":10.32,"end":18.105},{"sentences":[{"text":"True.","start":18.105,"end":18.505001,"sentiment":"neutral","sentiment_score":0.036741822957992554},{"text":"Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation.","start":18.505001,"end":25.485,"sentiment":"neutral","sentiment_score":0.04195197632438258},{"text":"Do you mind if I just quickly do the security check with you while I load up your file?","start":25.785,"end":30.02,"sentiment":"neutral","sentiment_score":0.030173763975893195},{"text":"Perfect.","start":31.44,"end":31.84,"sentiment":"neutral","sentiment_score":0.13619498908519745},{"text":"Can you just confirm your date of birth and address for me?","start":31.84,"end":34.9,"sentiment":"neutral","sentiment_score":0.04519601228336493}],"sentiment":"neutral","sentiment_score":0.04010919279132325,"num_words":52,"start":18.105,"end":34.9},{"sentences":[{"text":"Sensational.","start":39.935,"end":40.435,"sentiment":"neutral","sentiment_score":0.04293294623494148},{"text":"And are you okay for the call to be recorded for training and quality purposes?","start":40.655003,"end":44.515,"sentiment":"neutral","sentiment_score":0.02567216691871484},{"text":"Fantastic.","start":46.575,"end":47.075,"sentiment":"positive","sentiment_score":0.3751685321331024},{"text":"So the team let me know that you were just wanting to have a chat around the, like, the income protection with the switch to self employment.","start":47.295002,"end":54.57,"sentiment":"neutral","sentiment_score":0.07255641936703965},{"text":"Has have you already done the switch?","start":54.57,"end":57.31,"sentiment":"neutral","sentiment_score":0.0069787224222506794}],"sentiment":"neutral","sentiment_score":0.05511879141205082,"num_words":51,"start":39.935,"end":57.31},{"sentences":[{"text":"You wanna no.","start":57.690002,"end":58.73,"sentiment":"neutral","sentiment_score":-0.07824514309565227},{"text":"About to.","start":58.73,"end":59.550003,"sentiment":"neutral","sentiment_score":-0.07955068536102772},{"text":"Because last time you were doing the certificate four.","start":60.25,"end":62.99,"sentiment":"neutral","sentiment_score":-0.05062715088327726},{"text":"K.","start":72.825,"end":73.325,"sentiment":"neutral","sentiment_score":-0.02244727872312069},{"text":"Yep.","start":77.16,"end":77.66,"sentiment":"neutral","sentiment_score":0.011926128529012203}],"sentiment":"neutral","sentiment_score":-0.0537501442595385,"num_words":16,"start":57.690002,"end":77.66},{"sentences":[{"text":"Sensational.","start":83.1675,"end":83.6675,"sentiment":"neutral","sentiment_score":-0.010498314164578916},{"text":"Yep.","start":101.75,"end":102.25,"sentiment":"neutral","sentiment_score":0.029237158596515656},{"text":"Fantastic.","start":107.03,"end":107.53,"sentiment":"positive","sentiment_score":0.496920645236969},{"text":"And I really appreciate your account and actually prompting that because that's a fantastic question to have.","start":107.75,"end":113.37,"sentiment":"positive","sentiment_score":0.574859000304166},{"text":"So there are a few things that change in terms of claims for the next twelve months, two years, three years, five years.","start":113.43,"end":122.665,"sentiment":"neutral","sentiment_score":-0.0015357792296487353}],"sentiment":"neutral","sentiment_score":0.23844045517576296,"num_words":43,"start":83.1675,"end":122.665},{"sentences":[{"text":"So I'll kind of walk you through a little bit.","start":122.725,"end":124.405,"sentiment":"neutral","sentiment_score":0.10092873610556126},{"text":"Let me just pull up your current policy for a second just to make sense of it.","start":124.405,"end":128.91,"sentiment":"neutral","sentiment_score":0.06134985913248623},{"text":"So let's say you've got a cover amount of 5,693 a month, and that covers your policy is $20.27.","start":129.87001,"end":140.83,"sentiment":"neutral","sentiment_score":0.06628171236891496},{"text":"So it covers you for 75%, not the new 70% the government mandated.","start":140.83,"end":145.585,"sentiment":"neutral","sentiment_score":0.08296901646714944},{"text":"So let's say you're protected for 90,000.","start":145.80501,"end":149.10501,"sentiment":"neutral","sentiment_score":0.07445205481989044}],"sentiment":"neutral","sentiment_score":0.07441438028983997,"num_words":66,"start":122.725,"end":149.10501},{"sentences":[{"text":"As you go for the next Correct.","start":150.845,"end":154.945,"sentiment":"neutral","sentiment_score":0.016981552488037517},{"text":"So let's say you go self employed and a week later, something happens and you're out of work for six months.","start":155.085,"end":162.76999,"sentiment":"neutral","sentiment_score":-0.07066881918304023},{"text":"They will ask you for the last twelve months of financials, which for you will basically just be like a tax return saying I was earning $90,000, and I've just started self employed three weeks ago.","start":164.34999,"end":175.095,"sentiment":"neutral","sentiment_score":-0.019124525780272152},{"text":"They will look back twelve months, and they'll go, okay.","start":175.235,"end":178.035,"sentiment":"neutral","sentiment_score":0.0009317943244241178},{"text":"He was on 90.","start":178.035,"end":179.015,"sentiment":"neutral","sentiment_score":-0.00247591407969594}],"sentiment":"neutral","sentiment_score":-0.02633644841784516,"num_words":78,"start":150.845,"end":179.015},{"sentences":[{"text":"Average it out 89,000, whatever it is, and they'll pay you 75% of that.","start":179.475,"end":184.74,"sentiment":"neutral","sentiment_score":0.02632036791848285},{"text":"So pretty well sweep.","start":184.74,"end":187.40001,"sentiment":"neutral","sentiment_score":0.1007261872291565},{"text":"Now as the year goes on, let's say that you go self employed and you earn basically nothing for twelve months.","start":187.54001,"end":193.16,"sentiment":"neutral","sentiment_score":-0.03615521267056465},{"text":"Every month that that goes along, that twelve month look back is an average out.","start":194.1,"end":199.815,"sentiment":"neutral","sentiment_score":-0.03614519933859507},{"text":"So if you had 90 and you're gonna end up in the year on $10, let's say, but you're halfway through the year, they're gonna grab the 90, grab the 10, half both of them, add them together.","start":200.27501,"end":211.8,"sentiment":"neutral","sentiment_score":-0.0396478704519962}],"sentiment":"neutral","sentiment_score":-0.022137680799578844,"num_words":92,"start":179.475,"end":211.8},{"sentences":[{"text":"So the further you go along, the more that average out is gonna reduce the payout for the insurance.","start":211.8,"end":218.54001,"sentiment":"neutral","sentiment_score":-0.16557007420219874},{"text":"Does that make sense?","start":220.12001,"end":221.26001,"sentiment":"neutral","sentiment_score":0.009229392278939486},{"text":"Okay.","start":230.935,"end":231.41501,"sentiment":"neutral","sentiment_score":0.21992698311805725},{"text":"That's good.","start":231.41501,"end":232.235,"sentiment":"neutral","sentiment_score":0.3128940016031265},{"text":"Yeah.","start":254.085,"end":254.585,"sentiment":"neutral","sentiment_score":0.05167381837964058}],"sentiment":"neutral","sentiment_score":-0.08190833466748397,"num_words":27,"start":211.8,"end":254.585},{"sentences":[{"text":"Yep.","start":263.86002,"end":264.36002,"sentiment":"neutral","sentiment_score":0.048625119030475616},{"text":"Keeps the income going.","start":265.38,"end":266.76,"sentiment":"neutral","sentiment_score":-0.09194761887192726},{"text":"Yeah.","start":274.75497,"end":275.25497,"sentiment":"neutral","sentiment_score":-0.002222970128059387},{"text":"Correct.","start":299.34497,"end":299.82498,"sentiment":"neutral","sentiment_score":0.1896771341562271},{"text":"And if you earn more than that, you just gotta remember that you you're still insured for what you're insured for.","start":299.82498,"end":305.66498,"sentiment":"neutral","sentiment_score":0.144197492372422}],"sentiment":"neutral","sentiment_score":0.10344414812113557,"num_words":28,"start":263.86002,"end":305.66498},{"sentences":[{"text":"So if you magically earn a 180,000 in the first year, they're still gonna pay you out 75% of the 90 that you're insured for.","start":305.66498,"end":313.57,"sentiment":"neutral","sentiment_score":0.20441590398550033},{"text":"Yes.","start":321.39,"end":321.89,"sentiment":"neutral","sentiment_score":0.14635449647903442},{"text":"There'll be no zeros, not like unemployment.","start":321.95,"end":324.53003,"sentiment":"neutral","sentiment_score":-0.04403665715030262},{"text":"No.","start":336.745,"end":336.98502,"sentiment":"neutral","sentiment_score":-0.025584891438484192},{"text":"You'll still get that $5.06 eight three axle.","start":336.98502,"end":346.91998,"sentiment":"neutral","sentiment_score":-0.09155981402312006}],"sentiment":"neutral","sentiment_score":0.10443882698692926,"num_words":42,"start":305.66498,"end":346.91998},{"sentences":[{"text":"Correct.","start":346.91998,"end":347.41998,"sentiment":"neutral","sentiment_score":0.03102951869368553},{"text":"No.","start":355.89502,"end":356.055,"sentiment":"neutral","sentiment_score":-0.16133786737918854},{"text":"In theory, twelve months is basically to see what happens where two things should happen is either things go really, really well and you go, look, Matt, I wanna increase it because now I've got the income has gone up.","start":356.055,"end":366.3,"sentiment":"neutral","sentiment_score":0.10359199400991201},{"text":"And then they really wanna see self employed for about two years on average.","start":366.37997,"end":370.4,"sentiment":"neutral","sentiment_score":0.11233213650328773},{"text":"But if it goes down, you don't wanna be paying premiums for something you can't claim on for more than twelve months and then the next year and then the next year then the next year.","start":371.02,"end":378.86,"sentiment":"neutral","sentiment_score":-0.13885179927779567}],"sentiment":"neutral","sentiment_score":0.006384310312569141,"num_words":92,"start":346.91998,"end":378.86},{"sentences":[{"text":"So if you earn, let's say, you only ever earn $50 for the next five years, you don't wanna be insured for 90 when you're only been earning 50.","start":378.86,"end":386.685,"sentiment":"neutral","sentiment_score":-0.10910671050178594},{"text":"We should trim it down.","start":386.745,"end":387.865,"sentiment":"neutral","sentiment_score":-0.026901231706142427},{"text":"So we get let it run for twelve months.","start":387.865,"end":389.885,"sentiment":"neutral","sentiment_score":0.05041335771481196},{"text":"Once it comes closer to that sort of next anniversary, we'll see what's going on with the income situation.","start":389.945,"end":394.685,"sentiment":"neutral","sentiment_score":0.01057493039651921},{"text":"We can average it out, and then I can make some adjustments from there.","start":395.18,"end":398.14,"sentiment":"neutral","sentiment_score":0.07980181170361382}],"sentiment":"neutral","sentiment_score":-0.020088572398220237,"num_words":76,"start":378.86,"end":398.14},{"sentences":[{"text":"But outside of that, policy can roll.","start":398.14,"end":400.56,"sentiment":"neutral","sentiment_score":-0.17779832439763205},{"text":"Yeah.","start":409.755,"end":410.255,"sentiment":"neutral","sentiment_score":0.03107059560716152},{"text":"Exactly right.","start":422.97,"end":423.77002,"sentiment":"neutral","sentiment_score":0.31110990047454834},{"text":"Yep.","start":423.77002,"end":424.27002,"sentiment":"neutral","sentiment_score":0.20495468378067017},{"text":"Correct.","start":446.44,"end":446.94,"sentiment":"neutral","sentiment_score":0.1761595904827118}],"sentiment":"neutral","sentiment_score":-0.01751529999698202,"num_words":12,"start":398.14,"end":446.94},{"sentences":[{"text":"Yep.","start":447.0,"end":447.24,"sentiment":"neutral","sentiment_score":0.25150319933891296},{"text":"You got it 100%.","start":447.24,"end":448.62,"sentiment":"positive","sentiment_score":0.38142720609903336},{"text":"Yeah.","start":475.35,"end":475.67,"sentiment":"neutral","sentiment_score":0.09222786873579024},{"text":"It's one of those things where it's pretty common when people go self employed that the first few years, whether it's one year to five years is a bit of a holding pattern for super where you just get used to the usual, you know, putting aside for GST and and taxes and your BAS statements and all that kind of thing.","start":475.67,"end":491.625,"sentiment":"neutral","sentiment_score":0.07656500227148494},{"text":"And then pretty much.","start":491.625,"end":497.56,"sentiment":"neutral","sentiment_score":0.04456268949434161}],"sentiment":"neutral","sentiment_score":0.09437112210111485,"num_words":72,"start":447.0,"end":497.56},{"sentences":[{"text":"And then once that settles down, you're in a bit of a groove and things start rolling on, then you go, okay.","start":497.56,"end":502.28,"sentiment":"neutral","sentiment_score":0.23423739116300235},{"text":"I can easily start to put in a regular amount again.","start":502.28,"end":505.65997,"sentiment":"neutral","sentiment_score":0.3121803226796063},{"text":"Or you get to the end of financial year, there's 240,000 sitting there, and you go, oh, I might put 30 in just to, you know, drop the tax down, boost the super back up, and because I've had all this excess that's just piled up to the side.","start":506.125,"end":518.625,"sentiment":"neutral","sentiment_score":0.04650313802519623},{"text":"So whatever happens Yeah.","start":518.765,"end":540.335,"sentiment":"neutral","sentiment_score":0.050769113935530186},{"text":"Yep.","start":540.335,"end":540.735,"sentiment":"neutral","sentiment_score":0.1276381015777588}],"sentiment":"neutral","sentiment_score":0.1286962583404163,"num_words":87,"start":497.56,"end":540.735},{"sentences":[{"text":"You got it.","start":540.735,"end":541.295,"sentiment":"neutral","sentiment_score":0.1454599847396215},{"text":"We basically just every review, we see what's been going on.","start":541.295,"end":543.695,"sentiment":"neutral","sentiment_score":0.0912453518672423},{"text":"Do we do regular amounts or lump sums or none?","start":543.695,"end":546.195,"sentiment":"neutral","sentiment_score":0.032881361246109006},{"text":"And the only thing is if it goes, you know, three years where nothing's really going that well and nothing goes in, we're not gonna be sitting there going, hey.","start":546.45,"end":554.93,"sentiment":"neutral","sentiment_score":-0.05192256830632687},{"text":"Grant, you should sign another fee form and pay us for another twelve months when nothing's happening.","start":554.93,"end":559.43,"sentiment":"neutral","sentiment_score":-0.02123372256755829}],"sentiment":"neutral","sentiment_score":-0.002109266135474326,"num_words":71,"start":540.735,"end":559.43},{"sentences":[{"text":"We need to make sure that we're able to actually get you moving forward to help you get into an improved position.","start":559.775,"end":566.35504,"sentiment":"positive","sentiment_score":0.3396787155758251},{"text":"So worst case scenario, we go, look, might might not be in your best interest to be paying for an adviser right now.","start":566.655,"end":571.85504,"sentiment":"neutral","sentiment_score":-0.19828876172718796},{"text":"But if it rolls on, smooths out over the one to three years, it usually just picks back up pretty quickly.","start":571.85504,"end":578.22,"sentiment":"neutral","sentiment_score":0.17274148008298307},{"text":"You just don't wanna be those guys that go to 50 eight.","start":578.76,"end":581.66,"sentiment":"neutral","sentiment_score":-0.07232942059636116},{"text":"Yes.","start":589.895,"end":590.395,"sentiment":"neutral","sentiment_score":0.0743524357676506}],"sentiment":"neutral","sentiment_score":0.07273747713033911,"num_words":79,"start":559.775,"end":590.395},{"sentences":[{"text":"Yeah.","start":621.86,"end":622.18,"sentiment":"neutral","sentiment_score":0.08360617607831955},{"text":"A 100%.","start":622.18,"end":622.82,"sentiment":"neutral","sentiment_score":0.10550750046968459},{"text":"So you're at just shy of 92 that stays invested, and that's just kind of fluctuating up and down with the investments trying to grow on its own back.","start":622.82,"end":631.16,"sentiment":"neutral","sentiment_score":0.01621248761537196},{"text":"And one of the things that we do is we go, okay.","start":631.38,"end":633.705,"sentiment":"neutral","sentiment_score":0.0664661880582571},{"text":"You you don't wanna have too many things in terms of fees and insurance premiums and taxes all coming out of that with nothing going in.","start":633.865,"end":640.84503,"sentiment":"neutral","sentiment_score":-0.039246078294057116}],"sentiment":"neutral","sentiment_score":0.0077425648416725125,"num_words":70,"start":621.86,"end":640.84503},{"sentences":[{"text":"It can hold its own for a year or two, but it can't get you to a million dollars by itself with nothing.","start":641.22504,"end":646.205,"sentiment":"neutral","sentiment_score":0.03248273079162058},{"text":"So that's why I said, like, that one to three year holding pattern is let the investments do their thing, sort out your cash flow and your taxes, let the insurance kinda sit there in the background for twelve months, and then we come back together.","start":647.41,"end":659.51,"sentiment":"neutral","sentiment_score":0.09812221829981907},{"text":"Do we adjust the insurance?","start":659.57,"end":660.87,"sentiment":"neutral","sentiment_score":0.054336252808570865},{"text":"Do we do the contributions lump sum or regular?","start":661.175,"end":663.51495,"sentiment":"neutral","sentiment_score":0.028227961311737697},{"text":"And then what do we do from there, cash flow wise?","start":663.65497,"end":666.07495,"sentiment":"neutral","sentiment_score":0.03962295959618958}],"sentiment":"neutral","sentiment_score":0.06619479065325032,"num_words":94,"start":641.22504,"end":666.07495},{"sentences":[{"text":"Yeah.","start":685.365,"end":685.685,"sentiment":"neutral","sentiment_score":0.24146594107151031},{"text":"100 percent.","start":685.685,"end":686.325,"sentiment":"neutral","sentiment_score":0.2874833047389984},{"text":"When we go through the reviews, I'll be checking all these points with you.","start":686.325,"end":689.465,"sentiment":"neutral","sentiment_score":0.13712515256234578},{"text":"And we have a lot of self employed guys where they get to the end of the year.","start":689.525,"end":692.965,"sentiment":"neutral","sentiment_score":0.2117136302921507},{"text":"We help them with the forms to claim the contributions as tax deductions and all that kind of thing and just kind of work in tandem with you guys and the accounts, and it works out pretty well.","start":692.965,"end":702.95996,"sentiment":"neutral","sentiment_score":0.31775158643722534}],"sentiment":"neutral","sentiment_score":0.2550902783054195,"num_words":73,"start":685.365,"end":702.95996},{"sentences":[{"text":"Pretty much.","start":714.555,"end":715.115,"sentiment":"positive","sentiment_score":0.42369934916496277},{"text":"Yeah.","start":715.115,"end":715.355,"sentiment":"positive","sentiment_score":0.431154191493988},{"text":"And then it's just basically good on you for giving it a go.","start":715.355,"end":718.495,"sentiment":"positive","sentiment_score":0.6817918007190411},{"text":"Best of luck, and and hopefully you get the vehicles and everything sorted and the work comes to the party.","start":719.115,"end":723.27496,"sentiment":"positive","sentiment_score":0.49248318895697596},{"text":"And, mate, we'd just love to hear that you're, you know, having a success out there in twelve months.","start":723.27496,"end":727.71,"sentiment":"positive","sentiment_score":0.6683920323848724}],"sentiment":"positive","sentiment_score":0.5943810671567917,"num_words":55,"start":714.555,"end":727.71},{"sentences":[{"text":"Add to it.","start":751.08496,"end":752.07,"sentiment":"neutral","sentiment_score":-0.028223456194003422},{"text":"Yeah.","start":752.23,"end":752.73,"sentiment":"neutral","sentiment_score":0.029717132449150085},{"text":"No.","start":753.83,"end":753.99,"sentiment":"neutral","sentiment_score":0.020406262949109077},{"text":"That's cool.","start":753.99,"end":754.71,"sentiment":"positive","sentiment_score":0.4104864299297333},{"text":"So we've got we were gonna get you kind of booked in in a couple of months' time for a bit of an update in terms of reviews and things like that.","start":754.71,"end":764.55,"sentiment":"neutral","sentiment_score":0.1420561815612018}],"sentiment":"neutral","sentiment_score":0.13672368452908137,"num_words":39,"start":751.08496,"end":764.55},{"sentences":[{"text":"Up to you whether we just tee up in a couple of months or towards Christmas time, whatever your preferred contact frequency is from this point.","start":764.55,"end":772.345,"sentiment":"neutral","sentiment_score":0.07694962806999683},{"text":"Yeah.","start":783.38,"end":783.88,"sentiment":"neutral","sentiment_score":0.22864985466003415},{"text":"Awesome.","start":784.1,"end":784.58,"sentiment":"neutral","sentiment_score":0.3029252588748932},{"text":"No.","start":784.58,"end":784.66,"sentiment":"neutral","sentiment_score":0.04369845986366272},{"text":"No.","start":784.66,"end":784.82,"sentiment":"neutral","sentiment_score":0.001990392804145813}],"sentiment":"neutral","sentiment_score":0.08593180986742179,"num_words":30,"start":764.55,"end":784.82},{"sentences":[{"text":"We'll make sure everything is going smoothly because the world's kind of up and down at the moment.","start":784.82,"end":788.52,"sentiment":"neutral","sentiment_score":-0.00269294913030333},{"text":"And if nothing, even if it's a short conversation saying everything's going well and you're starting off on your thing, at least it's a bit of a touch point, and then we can kind of space it out as we need to from there.","start":788.58,"end":799.005,"sentiment":"neutral","sentiment_score":0.08506110543385148},{"text":"Yeah.","start":809.32,"end":809.64,"sentiment":"neutral","sentiment_score":0.20818492770195007},{"text":"100%.","start":809.64,"end":810.36005,"sentiment":"neutral","sentiment_score":0.19797632098197937},{"text":"Mate, any questions for me before I let you go?","start":810.36005,"end":812.7,"sentiment":"neutral","sentiment_score":0.10456777065992355}],"sentiment":"neutral","sentiment_score":0.06954127716252932,"num_words":74,"start":784.82,"end":812.7},{"sentences":[{"text":"Cool.","start":817.4,"end":817.9,"sentiment":"neutral","sentiment_score":0.1377800703048706},{"text":"If you do get to the point where you do start and you get everything registered and you and you go out, like, if you can give us a buzz, let us know.","start":818.12006,"end":825.485,"sentiment":"neutral","sentiment_score":0.10289508759072333},{"text":"That'd be great.","start":825.485,"end":826.365,"sentiment":"positive","sentiment_score":0.6071731646855673},{"text":"Otherwise, I'll be catching up with you in a couple of months anyway, and we will capture that at some point when we do do the next review.","start":826.365,"end":833.02496,"sentiment":"neutral","sentiment_score":0.1363714041986636},{"text":"Fantastic.","start":855.325,"end":855.825,"sentiment":"positive","sentiment_score":0.5726948976516724}],"sentiment":"neutral","sentiment_score":0.14766563136469235,"num_words":66,"start":817.4,"end":855.825},{"sentences":[{"text":"They're gonna pay out some long service leave or anything?","start":855.885,"end":858.04504,"sentiment":"neutral","sentiment_score":0.16022048369050026},{"text":"Or yep.","start":858.04504,"end":863.54,"sentiment":"neutral","sentiment_score":0.010443865321576595},{"text":"Fantastic.","start":873.065,"end":873.46497,"sentiment":"positive","sentiment_score":0.40833258628845215},{"text":"Alright, mate.","start":873.46497,"end":874.265,"sentiment":"neutral","sentiment_score":0.19698751717805862},{"text":"Well, best of luck with it.","start":874.265,"end":875.545,"sentiment":"neutral","sentiment_score":0.32307344178358716}],"sentiment":"neutral","sentiment_score":0.2078019447092499,"num_words":21,"start":855.885,"end":875.545},{"sentences":[{"text":"I hope it goes really well, and I'm about to click off on on leave for a couple of weeks.","start":875.545,"end":880.585,"sentiment":"neutral","sentiment_score":0.18325253762304783},{"text":"The maybe number three is coming in a week and a half's time, so I'll be on a bit of paternity leave.","start":880.585,"end":886.90497,"sentiment":"neutral","sentiment_score":0.0659361919388175},{"text":"So Yeah, mate.","start":886.90497,"end":904.975,"sentiment":"neutral","sentiment_score":0.26674490173657733},{"text":"No.","start":904.975,"end":905.21497,"sentiment":"neutral","sentiment_score":0.1800619512796402},{"text":"I appreciate you doing that.","start":905.21497,"end":906.415,"sentiment":"positive","sentiment_score":0.6629078984260559}],"sentiment":"neutral","sentiment_score":0.18451927693597242,"num_words":51,"start":875.545,"end":906.415},{"sentences":[{"text":"That really helps us.","start":906.415,"end":907.535,"sentiment":"positive","sentiment_score":0.766306072473526},{"text":"And, yeah, nothing to worry about and talk to you soon.","start":907.535,"end":911.70294,"sentiment":"positive","sentiment_score":0.48942225629633124},{"text":"Thanks, Trent.","start":913.94293,"end":914.54297,"sentiment":"positive","sentiment_score":0.7579696178436279},{"text":"See you later.","start":914.54297,"end":915.32294,"sentiment":"positive","sentiment_score":0.6518589456876119},{"text":"Bye.","start":916.10297,"end":916.60297,"sentiment":"neutral","sentiment_score":0.31340569257736206}],"sentiment":"positive","sentiment_score":0.5825614702133906,"num_words":21,"start":906.415,"end":916.60297}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Yeah. That's alright. Well, it's a bit shit, but that's okay. I'm not in Queensland. Yeah. Yeah. Go for it. 1312199021 Fitzgerald Street, Bandsdale. Yeah. Yeah. That's fine. Correct. No. Yeah. I'm about to potentially in the next month or two, definitely something's gonna happen. I just I went and met with my accountant the other day about, obviously, registering for GST and all this sort of stuff. Then we got onto the track of talking about insurances and whatnot. I mentioned I already had income protection and all this sort of stuff. And she just said, look, maybe just give them a call, have a chat, because potentially from full time employment to sole trader could change or, you know, impacted or something like that. So that's all I'm basically bringing up just to have a chat to see if if it will be an issue or not. Yep. Yep. Yep. Yep. Yep. Yep. Which is basically my current income. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. So, ideally, I will still ideally, I still can contract to my current employer. Potentially, like, I haven't had any of the conversations yet. I've gotta get my there's a few things I've gotta get. I've gotta get a vehicle because I got a company car. So I'm in the process of getting a vehicle at the moment. I'm waiting to hear back about my plumbing licenses and all this sort of stuff. So once I get all my ducks in a row, I have to have the conversation with my employer. Ideally, he lets me submit to him. So worst case scenario is I'll make the same amount of money. I I I worst worst case scenario for me is I just sub it to him for twelve months, and I basically make $90. You know, basically make the same as if I was working for him. I'm just subbing instead. But, ideally, I wanna get my own jobs and, you know, whatever. So, basically, what you're saying is if I can worst case scenario for me is the less I earn, the worse it'll be. So if I can make what I'm making now, it's probably not a problem. Yep. Yep. Yep. Yep. But, like yeah. Worst case scenario, if something does happen, I'm still gonna get something. Yep. So I I like, if I make if I make $200 or something like crazy, I'm still basically just gonna get paid out as if I was now. So I shouldn't be really any worse worse off. It's only a problem if I don't make $90 or if I if I make $10, like you said, then it becomes a problem. Yep. Okay. So in theory, we don't really have to change anything with it? Or yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yep. Yep. But we obviously can't do anything until we because this is the unknown. Like, so when you're on wages and full time, you obviously know how much you earn because you're full time, you're gonna earn x. When you go to self employed or a subcontractor, basically, the the the earnings for that year is sort of an unknown until I do a year and then we can go off that. Yep. Yep. Alright. Yep. So basically, if I understand, we're just gonna we don't have to make any changes or anything like that. It's just if something does happen to me, it's gonna just be, you know, it yeah. That will just average out your income, and it could be the same if I earn the same or if I earn a lot less, it could be a lot less. Yeah. Yeah. And then, like, I was talking to my accountant, and possibly she said maybe for twelve months or so, you might not put as much into super because you sort of need that money. But obviously, I've got that little nest egg there and it it it'll still just continue to come out of there. But ideally, as soon as possible, I wanna start contributing to super again, I would assume. Yep. Yeah. And you need and you also yeah. You need that. You you need everything you can get potentially. Yep. Yep. Yeah. Which is something my accountant said too. She said, look, we'll look at it. But she said, look, let's say you do really well or something like that. She goes, she might tell you to put x amount into super because then, obviously, that offsets your tax or whatever. And, you know, it might even just be as if a normal working year or whatever and you just roll with that. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. But then if in theory, if I sub it for twelve months and don't really get a lot of my own work, they have to pay me the all the rules have changed. Now anyway, where they pay you super anyway, so it'll just be, you know, ticking along as as usual. But also to whatever whatever amount I've got in there, I'll still continue to get interest in let's say I got $90 in there and I don't contribute for three years. I'll still contribute I'll still gain interest and whatever on that 90. It's just I won't have regular regular payments going in. I won't be really increasing on the the total tally, but I'll still be getting interest on the $90. Is that is that right? Yep. If you're not heading to it. Yep. Yep. Yep. Yep. Yep. Yep. Yep. And that's something that you guys obviously being, you know, in you know, you guys taking care of my super, and all that's just something you guys will come to me at some point and say, hey. We need to potentially look at this or whatever. And you'll make me aware of that anyway, I I assume. Yep. Yep. Yep. Yep. Yep. Yep. So yeah. So, basically, just a quick recap. Nothing changes. We just keep it, and then we just have to go by a year to year basis and then adjust from there. Yep. Yep. Yeah. Well, worst case scenario in my eyes is I'm just subbing to my account instead of being full time for my current employer. I'm just subbing to him. And then, yeah, he has to pay super anyway now when you're subbing. So that's the worst case scenario. But, obviously, I want to be able to be doing my own jobs and and stuff like that. So yeah. Yep. Yep. Yep. So I'm happy to well, whatever you think is best. Like, yeah, if you wanna touch base whenever, yeah, I'm I'm happy for that. That's not a problem for me. So yeah. Yeah. Yep. Perfect. No. Sounds good, mate. That's yeah. That's really all I need to know. We just, yeah, basically, I just stayed with you guys, and we'll just adjust it as we need to. No. That was that was basically it, mate. That's yeah. Awesome. Thank you very much. Yep. Yep. Yep. Yep. No worries, mate. Yep. When I when I get all me when I get everything in a row, when I actually tell the boss what's going on, I'll, yeah, I'll let you know that, yeah, potentially, you know, I think I've gotta give a month's notice because I've been over ten years. So I'll say, look. I've just given me a month's notice. So in four weeks' time, I'll be a sole trader, and, yeah, we'll go from there. I've actually took all me on service leave already to try and get some money behind me. And, yeah, I've used the I've been I've been using up all my holidays and sick pay. So I'm major I've got nothing left. So yeah. Yeah. Awesome. Beauty. Yeah. Well done, mate. Congratulations. But, yeah, enjoy. And I'm yeah. I will just talk to you when I hear from you, and we'll just go from there. Sounds sounds like it's not that, you know, big of a deal. My account just yet wanted me to just touch base and make sure. So we'll just keep ticking over, and I'll hear from you. Alright. Thanks, mate. Enjoy. 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Good. Thanks. How are you? Yeah.\n\nThat's alright. Well, it's a bit shit, but that's okay. I'm not in Queensland. Yeah. Yeah.\n\nGo for it. 1312199021 Fitzgerald Street, Bandsdale. Yeah. Yeah. That's fine.\n\nCorrect. No. Yeah. I'm about to potentially in the next month or two, definitely something's gonna happen. I just I went and met with my accountant the other day about, obviously, registering for GST and all this sort of stuff.\n\nThen we got onto the track of talking about insurances and whatnot. I mentioned I already had income protection and all this sort of stuff. And she just said, look, maybe just give them a call, have a chat, because potentially from full time employment to sole trader could change or, you know, impacted or something like that. So that's all I'm basically bringing up just to have a chat to see if if it will be an issue or not. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nWhich is basically my current income. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. So, ideally, I will still ideally, I still can contract to my current employer.\n\nPotentially, like, I haven't had any of the conversations yet. I've gotta get my there's a few things I've gotta get. I've gotta get a vehicle because I got a company car. So I'm in the process of getting a vehicle at the moment. I'm waiting to hear back about my plumbing licenses and all this sort of stuff.\n\nSo once I get all my ducks in a row, I have to have the conversation with my employer. Ideally, he lets me submit to him. So worst case scenario is I'll make the same amount of money. I I I worst worst case scenario for me is I just sub it to him for twelve months, and I basically make $90. You know, basically make the same as if I was working for him.\n\nI'm just subbing instead. But, ideally, I wanna get my own jobs and, you know, whatever. So, basically, what you're saying is if I can worst case scenario for me is the less I earn, the worse it'll be. So if I can make what I'm making now, it's probably not a problem. Yep.\n\nYep. Yep. Yep. But, like yeah. Worst case scenario, if something does happen, I'm still gonna get something.\n\nYep. So I I like, if I make if I make $200 or something like crazy, I'm still basically just gonna get paid out as if I was now. So I shouldn't be really any worse worse off. It's only a problem if I don't make $90 or if I if I make $10, like you said, then it becomes a problem. Yep.\n\nOkay. So in theory, we don't really have to change anything with it? Or yep. Yep. Yep.\n\nYep. Yeah. Yep. Yeah. Yep.\n\nYep. But we obviously can't do anything until we because this is the unknown. Like, so when you're on wages and full time, you obviously know how much you earn because you're full time, you're gonna earn x. When you go to self employed or a subcontractor, basically, the the the earnings for that year is sort of an unknown until I do a year and then we can go off that. Yep.\n\nYep. Alright. Yep. So basically, if I understand, we're just gonna we don't have to make any changes or anything like that. It's just if something does happen to me, it's gonna just be, you know, it yeah.\n\nThat will just average out your income, and it could be the same if I earn the same or if I earn a lot less, it could be a lot less. Yeah. Yeah. And then, like, I was talking to my accountant, and possibly she said maybe for twelve months or so, you might not put as much into super because you sort of need that money. But obviously, I've got that little nest egg there and it it it'll still just continue to come out of there.\n\nBut ideally, as soon as possible, I wanna start contributing to super again, I would assume. Yep. Yeah. And you need and you also yeah. You need that.\n\nYou you need everything you can get potentially. Yep. Yep. Yeah. Which is something my accountant said too.\n\nShe said, look, we'll look at it. But she said, look, let's say you do really well or something like that. She goes, she might tell you to put x amount into super because then, obviously, that offsets your tax or whatever. And, you know, it might even just be as if a normal working year or whatever and you just roll with that. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYep. But then if in theory, if I sub it for twelve months and don't really get a lot of my own work, they have to pay me the all the rules have changed. Now anyway, where they pay you super anyway, so it'll just be, you know, ticking along as as usual. But also to whatever whatever amount I've got in there, I'll still continue to get interest in let's say I got $90 in there and I don't contribute for three years. I'll still contribute I'll still gain interest and whatever on that 90.\n\nIt's just I won't have regular regular payments going in. I won't be really increasing on the the total tally, but I'll still be getting interest on the $90. Is that is that right? Yep. If you're not heading to it.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. And that's something that you guys obviously being, you know, in you know, you guys taking care of my super, and all that's just something you guys will come to me at some point and say, hey. We need to potentially look at this or whatever. And you'll make me aware of that anyway, I I assume.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. So yeah. So, basically, just a quick recap. Nothing changes. We just keep it, and then we just have to go by a year to year basis and then adjust from there.\n\nYep. Yep. Yeah. Well, worst case scenario in my eyes is I'm just subbing to my account instead of being full time for my current employer. I'm just subbing to him.\n\nAnd then, yeah, he has to pay super anyway now when you're subbing. So that's the worst case scenario. But, obviously, I want to be able to be doing my own jobs and and stuff like that. So yeah. Yep.\n\nYep. Yep. So I'm happy to well, whatever you think is best. Like, yeah, if you wanna touch base whenever, yeah, I'm I'm happy for that. That's not a problem for me.\n\nSo yeah. Yeah. Yep. Perfect. No.\n\nSounds good, mate. That's yeah. That's really all I need to know. We just, yeah, basically, I just stayed with you guys, and we'll just adjust it as we need to. No.\n\nThat was that was basically it, mate. That's yeah. Awesome. Thank you very much. Yep.\n\nYep. Yep. Yep. No worries, mate. Yep.\n\nWhen I when I get all me when I get everything in a row, when I actually tell the boss what's going on, I'll, yeah, I'll let you know that, yeah, potentially, you know, I think I've gotta give a month's notice because I've been over ten years. So I'll say, look. I've just given me a month's notice. So in four weeks' time, I'll be a sole trader, and, yeah, we'll go from there. I've actually took all me on service leave already to try and get some money behind me.\n\nAnd, yeah, I've used the I've been I've been using up all my holidays and sick pay. So I'm major I've got nothing left. So yeah. Yeah. Awesome.\n\nBeauty. Yeah. Well done, mate. Congratulations. But, yeah, enjoy.\n\nAnd I'm yeah. I will just talk to you when I hear from you, and we'll just go from there. Sounds sounds like it's not that, you know, big of a deal. My account just yet wanted me to just touch base and make sure. So we'll just keep ticking over, and I'll hear from you.\n\nAlright. Thanks, mate. Enjoy. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.0406416617333889},{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.3436565399169922},{"text":"Thanks.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.47168102860450745},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.2898925393819809},{"text":"Yeah.","start":12.48,"end":12.719999,"sentiment":"neutral","sentiment_score":0.07778368145227432}],"sentiment":"neutral","sentiment_score":0.2576343614075865,"num_words":7,"start":1.28,"end":12.719999},{"sentences":[{"text":"That's alright.","start":12.719999,"end":13.46,"sentiment":"neutral","sentiment_score":0.09592970460653305},{"text":"Well, it's a bit shit, but that's okay.","start":14.054999,"end":15.575,"sentiment":"neutral","sentiment_score":-0.012369529227726161},{"text":"I'm not in 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not.","start":101.195,"end":106.415,"sentiment":"neutral","sentiment_score":0.02951799551753894},{"text":"Yep.","start":111.3,"end":111.8,"sentiment":"positive","sentiment_score":0.4435088634490967}],"sentiment":"neutral","sentiment_score":0.008968101087503316,"num_words":82,"start":78.055,"end":111.8},{"sentences":[{"text":"Yep.","start":117.832504,"end":118.332504,"sentiment":"neutral","sentiment_score":0.009954322129487991},{"text":"Yep.","start":129.405,"end":129.905,"sentiment":"neutral","sentiment_score":0.052651941776275635},{"text":"Yep.","start":136.44499,"end":136.94499,"sentiment":"neutral","sentiment_score":0.062106162309646606},{"text":"Yep.","start":149.15,"end":149.62999,"sentiment":"neutral","sentiment_score":0.04650626704096794},{"text":"Yep.","start":149.62999,"end":150.12999,"sentiment":"neutral","sentiment_score":0.030079958960413933}],"sentiment":"neutral","sentiment_score":0.04025973044335842,"num_words":5,"start":117.832504,"end":150.12999},{"sentences":[{"text":"Which is basically my current income.","start":150.765,"end":152.36499,"sentiment":"neutral","sentiment_score":0.01437499156842629},{"text":"Yep.","start":152.36499,"end":152.86499,"sentiment":"neutral","sentiment_score":0.021864738315343857},{"text":"Yep.","start":163.325,"end":163.825,"sentiment":"neutral","sentiment_score":-0.02024807780981064},{"text":"Yep.","start":193.155,"end":193.655,"sentiment":"neutral","sentiment_score":-0.007191857323050499},{"text":"Yep.","start":200.65001,"end":200.73001,"sentiment":"neutral","sentiment_score":-0.016440853476524353}],"sentiment":"neutral","sentiment_score":0.006423389911651612,"num_words":10,"start":150.765,"end":200.73001},{"sentences":[{"text":"Yep.","start":200.73001,"end":201.23001,"sentiment":"neutral","sentiment_score":-0.011908916756510736},{"text":"Yep.","start":217.455,"end":217.955,"sentiment":"neutral","sentiment_score":-0.14708368480205536},{"text":"Yep.","start":219.135,"end":219.635,"sentiment":"neutral","sentiment_score":-0.003112931502982974},{"text":"Yep.","start":220.25499,"end":220.735,"sentiment":"neutral","sentiment_score":0.005722101777791977},{"text":"So, ideally, I will still ideally, I still can contract to my current employer.","start":220.735,"end":229.84999,"sentiment":"neutral","sentiment_score":0.04698438164112823}],"sentiment":"neutral","sentiment_score":0.027855439538446564,"num_words":18,"start":200.73001,"end":229.84999},{"sentences":[{"text":"Potentially, like, I haven't had any of the conversations yet.","start":232.23,"end":235.93,"sentiment":"neutral","sentiment_score":-0.0528640266507864},{"text":"I've gotta get my there's a few things I've gotta get.","start":236.575,"end":241.69499,"sentiment":"neutral","sentiment_score":0.009006540206345644},{"text":"I've gotta get a vehicle because I got a company car.","start":241.69499,"end":244.33499,"sentiment":"neutral","sentiment_score":0.08983172611756758},{"text":"So I'm in the process of getting a vehicle at the moment.","start":244.33499,"end":246.67499,"sentiment":"neutral","sentiment_score":0.1228300395111243},{"text":"I'm waiting to hear back about my plumbing licenses and all this sort of stuff.","start":247.69499,"end":251.53,"sentiment":"neutral","sentiment_score":0.021567222351829212}],"sentiment":"neutral","sentiment_score":0.03993304190620527,"num_words":59,"start":232.23,"end":251.53},{"sentences":[{"text":"So once I get all my ducks in a row, I have to have the conversation with my employer.","start":251.53,"end":258.35,"sentiment":"neutral","sentiment_score":0.03173963068739364},{"text":"Ideally, he lets me submit to him.","start":259.77,"end":263.47,"sentiment":"neutral","sentiment_score":0.06467851570674352},{"text":"So worst case scenario is I'll make the same amount of money.","start":264.425,"end":268.025,"sentiment":"neutral","sentiment_score":-0.06607250838230054},{"text":"I I I worst worst case scenario for me is I just sub it to him for twelve months, and I basically make $90.","start":268.025,"end":274.185,"sentiment":"neutral","sentiment_score":-0.12308344524353743},{"text":"You know, basically make the same as if I was working for him.","start":274.185,"end":277.465,"sentiment":"neutral","sentiment_score":-0.06299457355187489}],"sentiment":"neutral","sentiment_score":-0.04679999532798926,"num_words":75,"start":251.53,"end":277.465},{"sentences":[{"text":"I'm just subbing instead.","start":277.465,"end":278.845,"sentiment":"neutral","sentiment_score":-0.06163243670016527},{"text":"But, ideally, I wanna get my own jobs and, you know, whatever.","start":280.33,"end":283.71,"sentiment":"neutral","sentiment_score":0.06811428784082334},{"text":"So, basically, what you're saying is if I can worst case scenario for me is the less I earn, the worse it'll be.","start":283.85,"end":294.315,"sentiment":"neutral","sentiment_score":-0.3060921756145747},{"text":"So if I can make what I'm making now, it's probably not a problem.","start":294.315,"end":298.655,"sentiment":"neutral","sentiment_score":0.032934031316212246},{"text":"Yep.","start":302.155,"end":302.655,"sentiment":"neutral","sentiment_score":0.1758011430501938}],"sentiment":"neutral","sentiment_score":-0.10800742130312654,"num_words":54,"start":277.465,"end":302.655},{"sentences":[{"text":"Yep.","start":309.77002,"end":310.27002,"sentiment":"neutral","sentiment_score":0.18132436275482175},{"text":"Yep.","start":312.17,"end":312.67,"sentiment":"neutral","sentiment_score":0.127958282828331},{"text":"Yep.","start":313.21002,"end":313.53,"sentiment":"neutral","sentiment_score":0.08954330533742905},{"text":"But, like yeah.","start":313.53,"end":314.67,"sentiment":"neutral","sentiment_score":-0.022627318898836773},{"text":"Worst case scenario, if something does happen, I'm still gonna get something.","start":315.21002,"end":320.19,"sentiment":"neutral","sentiment_score":-0.19491368780533472}],"sentiment":"neutral","sentiment_score":-0.11155668107999696,"num_words":18,"start":309.77002,"end":320.19},{"sentences":[{"text":"Yep.","start":322.04498,"end":322.285,"sentiment":"neutral","sentiment_score":0.07979407161474228},{"text":"So I I like, if I make if I make $200 or something like crazy, I'm still basically just gonna get paid out as if I was now.","start":322.285,"end":333.325,"sentiment":"neutral","sentiment_score":0.02432839080159153},{"text":"So I shouldn't be really any worse worse off.","start":333.325,"end":336.145,"sentiment":"neutral","sentiment_score":-0.17591866581804222},{"text":"It's only a problem if I don't make $90 or if I if I make $10, like you said, then it becomes a problem.","start":337.47,"end":346.28998,"sentiment":"negative","sentiment_score":-0.3797104509236912},{"text":"Yep.","start":347.62997,"end":348.11,"sentiment":"neutral","sentiment_score":0.06421396881341934}],"sentiment":"neutral","sentiment_score":-0.15668437828028958,"num_words":63,"start":322.04498,"end":348.11},{"sentences":[{"text":"Okay.","start":348.11,"end":348.61,"sentiment":"neutral","sentiment_score":0.04540421813726425},{"text":"So in theory, we don't really have to change anything with it?","start":348.83,"end":353.585,"sentiment":"neutral","sentiment_score":-0.09057087699572246},{"text":"Or yep.","start":353.585,"end":359.925,"sentiment":"neutral","sentiment_score":-0.056112200021743774},{"text":"Yep.","start":366.48,"end":366.98,"sentiment":"neutral","sentiment_score":0.1716284155845642},{"text":"Yep.","start":370.0,"end":370.5,"sentiment":"neutral","sentiment_score":0.11464428156614304}],"sentiment":"neutral","sentiment_score":-0.05102341227671679,"num_words":17,"start":348.11,"end":370.5},{"sentences":[{"text":"Yep.","start":370.64,"end":371.14,"sentiment":"neutral","sentiment_score":0.09924720972776412},{"text":"Yeah.","start":377.12,"end":377.415,"sentiment":"neutral","sentiment_score":-0.0397585965692997},{"text":"Yep.","start":386.61502,"end":387.11502,"sentiment":"neutral","sentiment_score":0.04149037227034569},{"text":"Yeah.","start":388.215,"end":388.715,"sentiment":"neutral","sentiment_score":0.09834887087345125},{"text":"Yep.","start":395.31,"end":395.81,"sentiment":"neutral","sentiment_score":0.09129484742879868}],"sentiment":"neutral","sentiment_score":0.058124540746212004,"num_words":5,"start":370.64,"end":395.81},{"sentences":[{"text":"Yep.","start":397.78998,"end":398.27,"sentiment":"neutral","sentiment_score":0.01952745020389557},{"text":"But we obviously can't do anything until we because this is the unknown.","start":398.27,"end":403.49,"sentiment":"neutral","sentiment_score":-0.16049586752286324},{"text":"Like, so when you're on wages and full time, you obviously know how much you earn because you're full time, you're gonna earn x.","start":403.55,"end":409.065,"sentiment":"neutral","sentiment_score":-0.032584324498505644},{"text":"When you go to self employed or a subcontractor, basically, the the the earnings for that year is sort of an unknown until I do a year and then we can go off that.","start":409.845,"end":421.72,"sentiment":"neutral","sentiment_score":-0.028118687134016964},{"text":"Yep.","start":424.18,"end":424.68,"sentiment":"neutral","sentiment_score":0.18830738961696625}],"sentiment":"neutral","sentiment_score":-0.04954343271913798,"num_words":73,"start":397.78998,"end":424.68},{"sentences":[{"text":"Yep.","start":424.81998,"end":425.31998,"sentiment":"neutral","sentiment_score":0.1975184977054596},{"text":"Alright.","start":425.37997,"end":425.87997,"sentiment":"neutral","sentiment_score":0.25818151235580444},{"text":"Yep.","start":426.41998,"end":426.81998,"sentiment":"neutral","sentiment_score":0.2269548624753952},{"text":"So basically, if I understand, we're just gonna we don't have to make any changes or anything like that.","start":426.81998,"end":432.04498,"sentiment":"neutral","sentiment_score":0.08178299297823717},{"text":"It's just if something does happen to me, it's gonna just be, you know, it yeah.","start":432.04498,"end":438.125,"sentiment":"neutral","sentiment_score":-0.08150696917437017}],"sentiment":"neutral","sentiment_score":0.024537374535085338,"num_words":38,"start":424.81998,"end":438.125},{"sentences":[{"text":"That will just average out your income, and it could be the same if I earn the same or if I earn a lot less, it could be a lot less.","start":438.125,"end":445.745,"sentiment":"neutral","sentiment_score":-0.12854804627356992},{"text":"Yeah.","start":448.62003,"end":448.86002,"sentiment":"neutral","sentiment_score":0.25595536828041077},{"text":"Yeah.","start":448.86002,"end":449.26,"sentiment":"neutral","sentiment_score":0.18218779563903809},{"text":"And then, like, I was talking to my accountant, and possibly she said maybe for twelve months or so, you might not put as much into super because you sort of need that money.","start":449.26,"end":461.92,"sentiment":"neutral","sentiment_score":-0.025111700243809643},{"text":"But obviously, I've got that little nest egg there and it it it'll still just continue to come out of there.","start":463.295,"end":469.15503,"sentiment":"neutral","sentiment_score":0.043123713738861535}],"sentiment":"neutral","sentiment_score":-0.03971643284471198,"num_words":88,"start":438.125,"end":469.15503},{"sentences":[{"text":"But ideally, as soon as possible, I wanna start contributing to super again, I would assume.","start":469.21503,"end":474.83502,"sentiment":"neutral","sentiment_score":0.3284208681434393},{"text":"Yep.","start":484.80002,"end":485.30002,"sentiment":"neutral","sentiment_score":0.07704348862171173},{"text":"Yeah.","start":490.765,"end":491.005,"sentiment":"neutral","sentiment_score":0.04104439914226532},{"text":"And you need and you also yeah.","start":491.005,"end":492.685,"sentiment":"neutral","sentiment_score":0.028742338131581033},{"text":"You need 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then if in theory, if I sub it for twelve months and don't really get a lot of my own work, they have to pay me the all the rules have changed.","start":579.045,"end":586.885,"sentiment":"neutral","sentiment_score":-0.15342346770745335},{"text":"Now anyway, where they pay you super anyway, so it'll just be, you know, ticking along as as usual.","start":586.885,"end":592.245,"sentiment":"neutral","sentiment_score":0.041905104525779426},{"text":"But also to whatever whatever amount I've got in there, I'll still continue to get interest in let's say I got $90 in there and I don't contribute for three years.","start":592.245,"end":604.27,"sentiment":"neutral","sentiment_score":-0.03562580319421907},{"text":"I'll still contribute I'll still gain interest and whatever on that 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that's something that you guys obviously being, you know, in you know, you guys taking care of my super, and all that's just something you guys will come to me at some point and say, hey.","start":665.465,"end":678.0,"sentiment":"neutral","sentiment_score":0.06578638616043168},{"text":"We need to potentially look at this or whatever.","start":678.16,"end":681.62,"sentiment":"neutral","sentiment_score":0.001279960076014201},{"text":"And you'll make me aware of that anyway, I I assume.","start":682.16,"end":685.06,"sentiment":"neutral","sentiment_score":0.03059735589406707}],"sentiment":"neutral","sentiment_score":0.048245269426349865,"num_words":59,"start":661.3,"end":685.06},{"sentences":[{"text":"Yep.","start":686.24,"end":686.74,"sentiment":"neutral","sentiment_score":0.2009279727935791},{"text":"Yep.","start":689.52,"end":690.02,"sentiment":"neutral","sentiment_score":0.1511106938123703},{"text":"Yep.","start":698.075,"end":698.575,"sentiment":"neutral","sentiment_score":0.2423061579465866},{"text":"Yep.","start":701.035,"end":701.535,"sentiment":"positive","sentiment_score":0.39225801825523376},{"text":"Yep.","start":703.115,"end":703.435,"sentiment":"neutral","sentiment_score":0.13909143209457395}],"sentiment":"neutral","sentiment_score":0.22513885498046876,"num_words":5,"start":686.24,"end":703.435},{"sentences":[{"text":"Yep.","start":703.435,"end":703.755,"sentiment":"neutral","sentiment_score":0.12835973501205444},{"text":"So yeah.","start":703.755,"end":704.39496,"sentiment":"neutral","sentiment_score":0.1312355324625969},{"text":"So, basically, just a quick recap.","start":704.39496,"end":708.21,"sentiment":"neutral","sentiment_score":0.08585040519634883},{"text":"Nothing changes.","start":708.21,"end":708.93,"sentiment":"neutral","sentiment_score":0.05099503044039011},{"text":"We just keep it, and then we just have to go by a year to year basis and then adjust from 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him.","start":734.59503,"end":735.69,"sentiment":"neutral","sentiment_score":-0.11737327575683594}],"sentiment":"neutral","sentiment_score":-0.12383018686406073,"num_words":31,"start":718.69,"end":735.69},{"sentences":[{"text":"And then, yeah, he has to pay super anyway now when you're subbing.","start":736.41,"end":741.23,"sentiment":"neutral","sentiment_score":-0.14962822256179956},{"text":"So that's the worst case scenario.","start":741.29,"end":743.53,"sentiment":"neutral","sentiment_score":-0.19887830565373102},{"text":"But, obviously, I want to be able to be doing my own jobs and and stuff like that.","start":743.53,"end":751.77496,"sentiment":"neutral","sentiment_score":-0.02961023162222571},{"text":"So yeah.","start":751.77496,"end":752.595,"sentiment":"neutral","sentiment_score":0.0227676834911108},{"text":"Yep.","start":753.935,"end":754.435,"sentiment":"neutral","sentiment_score":0.10630994290113448}],"sentiment":"neutral","sentiment_score":-0.08798938966356218,"num_words":40,"start":736.41,"end":754.435},{"sentences":[{"text":"Yep.","start":762.57495,"end":763.07495,"sentiment":"neutral","sentiment_score":0.12033648788928986},{"text":"Yep.","start":772.45,"end":772.95,"sentiment":"neutral","sentiment_score":0.2404174506664276},{"text":"So I'm happy to well, whatever you think is best.","start":773.49005,"end":777.185,"sentiment":"positive","sentiment_score":0.4541176736354828},{"text":"Like, yeah, if you wanna touch base whenever, yeah, I'm I'm happy for that.","start":777.185,"end":780.785,"sentiment":"positive","sentiment_score":0.4347044144357954},{"text":"That's not a problem for me.","start":780.785,"end":782.1,"sentiment":"neutral","sentiment_score":0.3110882391532262}],"sentiment":"positive","sentiment_score":0.40169755974784493,"num_words":32,"start":762.57495,"end":782.1},{"sentences":[{"text":"So yeah.","start":782.1,"end":782.96497,"sentiment":"neutral","sentiment_score":0.16530974209308624},{"text":"Yeah.","start":789.345,"end":789.845,"sentiment":"neutral","sentiment_score":0.010814877226948738},{"text":"Yep.","start":794.42,"end":794.92,"sentiment":"neutral","sentiment_score":0.11695226281881332},{"text":"Perfect.","start":799.38,"end":799.86,"sentiment":"neutral","sentiment_score":0.258120059967041},{"text":"No.","start":799.86,"end":800.34,"sentiment":"neutral","sentiment_score":0.1309201419353485}],"sentiment":"neutral","sentiment_score":0.14123780435572067,"num_words":6,"start":782.1,"end":800.34},{"sentences":[{"text":"Sounds good, mate.","start":800.34,"end":801.06,"sentiment":"neutral","sentiment_score":0.33051303029060364},{"text":"That's yeah.","start":801.06,"end":802.26,"sentiment":"neutral","sentiment_score":0.2955113351345062},{"text":"That's really all I need to know.","start":802.26,"end":803.54004,"sentiment":"neutral","sentiment_score":0.25824827594416483},{"text":"We just, yeah, basically, I just stayed with you guys, and we'll just adjust it as we need to.","start":803.54004,"end":809.035,"sentiment":"neutral","sentiment_score":0.23542753254112445},{"text":"No.","start":813.175,"end":813.415,"sentiment":"neutral","sentiment_score":0.01922503113746643}],"sentiment":"neutral","sentiment_score":0.24633274506777525,"num_words":32,"start":800.34,"end":813.415},{"sentences":[{"text":"That was that was basically it, mate.","start":813.415,"end":814.935,"sentiment":"neutral","sentiment_score":0.12783277992691314},{"text":"That's yeah.","start":814.935,"end":815.735,"sentiment":"positive","sentiment_score":0.33336175978183746},{"text":"Awesome.","start":815.735,"end":816.135,"sentiment":"positive","sentiment_score":0.609568178653717},{"text":"Thank you very much.","start":816.135,"end":817.195,"sentiment":"positive","sentiment_score":0.6586284339427948},{"text":"Yep.","start":823.78,"end":824.28,"sentiment":"neutral","sentiment_score":0.0922255665063858}],"sentiment":"neutral","sentiment_score":0.3265240306655566,"num_words":15,"start":813.415,"end":824.28},{"sentences":[{"text":"Yep.","start":827.3,"end":827.8,"sentiment":"neutral","sentiment_score":0.11999549716711044},{"text":"Yep.","start":830.1,"end":830.6,"sentiment":"neutral","sentiment_score":0.13515375554561615},{"text":"Yep.","start":833.285,"end":833.685,"sentiment":"neutral","sentiment_score":0.08891943097114563},{"text":"No worries, mate.","start":833.685,"end":834.40497,"sentiment":"neutral","sentiment_score":0.1466786190867424},{"text":"Yep.","start":834.40497,"end":834.64496,"sentiment":"neutral","sentiment_score":0.08718213438987732}],"sentiment":"neutral","sentiment_score":0.12446952504771096,"num_words":7,"start":827.3,"end":834.64496},{"sentences":[{"text":"When I when I get all me when I get everything in a row, when I actually tell the boss what's going on, I'll, yeah, I'll let you know that, yeah, potentially, you know, I think I've gotta give a month's notice because I've been over ten years.","start":834.64496,"end":848.53,"sentiment":"neutral","sentiment_score":0.02738917010416723},{"text":"So I'll say, look.","start":848.53,"end":849.17004,"sentiment":"neutral","sentiment_score":0.029207683634012938},{"text":"I've just given me a month's notice.","start":849.17004,"end":850.37,"sentiment":"neutral","sentiment_score":0.027921418526342938},{"text":"So in four weeks' time, I'll be a sole trader, and, yeah, we'll go from there.","start":850.37,"end":855.03,"sentiment":"neutral","sentiment_score":0.04118380218278617},{"text":"I've actually took all me on service leave already to try and get some money behind me.","start":858.375,"end":862.635,"sentiment":"neutral","sentiment_score":0.04088866513441591}],"sentiment":"neutral","sentiment_score":0.032402271428588356,"num_words":92,"start":834.64496,"end":862.635},{"sentences":[{"text":"And, yeah, I've used the I've been I've been using up all my holidays and sick pay.","start":864.29504,"end":869.17505,"sentiment":"neutral","sentiment_score":-0.0731600283042473},{"text":"So I'm major I've got nothing left.","start":869.17505,"end":871.255,"sentiment":"neutral","sentiment_score":-0.08011618788753237},{"text":"So yeah.","start":871.255,"end":872.04,"sentiment":"neutral","sentiment_score":0.06797822751104832},{"text":"Yeah.","start":874.04,"end":874.54,"sentiment":"neutral","sentiment_score":0.1235123947262764},{"text":"Awesome.","start":880.51996,"end":880.92,"sentiment":"positive","sentiment_score":0.433832049369812}],"sentiment":"neutral","sentiment_score":-0.039686889188098054,"num_words":28,"start":864.29504,"end":880.92},{"sentences":[{"text":"Beauty.","start":880.92,"end":881.42,"sentiment":"neutral","sentiment_score":0.16811704635620117},{"text":"Yeah.","start":887.875,"end":888.195,"sentiment":"neutral","sentiment_score":0.13371846079826355},{"text":"Well done, mate.","start":888.195,"end":888.835,"sentiment":"positive","sentiment_score":0.36193151275316876},{"text":"Congratulations.","start":888.835,"end":889.335,"sentiment":"positive","sentiment_score":0.45209628343582153},{"text":"But, yeah, enjoy.","start":889.635,"end":890.515,"sentiment":"neutral","sentiment_score":0.3299681544303894}],"sentiment":"neutral","sentiment_score":0.3144034213489956,"num_words":9,"start":880.92,"end":890.515},{"sentences":[{"text":"And I'm yeah.","start":890.515,"end":891.655,"sentiment":"neutral","sentiment_score":0.14895636339982352},{"text":"I will just talk to you when I hear from you, and we'll just go from there.","start":892.275,"end":895.155,"sentiment":"neutral","sentiment_score":0.11208841248470194},{"text":"Sounds sounds like it's not that, you know, big of a deal.","start":895.155,"end":897.79504,"sentiment":"neutral","sentiment_score":0.09830326183388631},{"text":"My account just yet wanted me to just touch base and make sure.","start":897.79504,"end":901.13,"sentiment":"neutral","sentiment_score":0.06212734115811495},{"text":"So we'll just keep ticking over, and I'll hear from you.","start":901.13,"end":904.75,"sentiment":"neutral","sentiment_score":0.28332831913774664}],"sentiment":"neutral","sentiment_score":0.13314782482172763,"num_words":56,"start":890.515,"end":904.75},{"sentences":[{"text":"Alright.","start":912.01,"end":912.32996,"sentiment":"positive","sentiment_score":0.5049613118171692},{"text":"Thanks, mate.","start":912.32996,"end":912.97,"sentiment":"positive","sentiment_score":0.7926874458789825},{"text":"Enjoy.","start":912.97,"end":913.47,"sentiment":"positive","sentiment_score":0.7658388614654541},{"text":"Bye.","start":917.29285,"end":917.56793,"sentiment":"neutral","sentiment_score":-0.13075444102287292}],"sentiment":"positive","sentiment_score":0.5450841248035431,"num_words":5,"start":912.01,"end":917.56793}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Grant. It's Tommy here, senior adviser of. How you been?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Living the dream. It's been a fantastic evening. What about your end?\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: Good\n\nChannel 1: Well, it's\n\nChannel 0: to\n\nChannel 1: a\n\nChannel 0: hear.\n\nChannel 1: bit shit,\n\nChannel 0: Good to\n\nChannel 1: but\n\nChannel 0: hear.\n\nChannel 1: that's okay. I'm not in Queensland.\n\nChannel 0: Yeah. True that. True. Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation. Do you mind if I\n\nChannel 1: Yeah.\n\nChannel 0: just quickly do the security check with you while I load\n\nChannel 1: Yeah.\n\nChannel 0: up your file?\n\nChannel 1: Go for\n\nChannel 0: Perfect. Can you just confirm your date of birth and address for me?\n\nChannel 1: it. 1312199021 Fitzgerald Street, Bandsdale.\n\nChannel 0: Sensational. And are you okay for the call to be recorded for training and\n\nChannel 1: Yeah.\n\nChannel 0: quality purposes?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. So the team let me know that you were just wanting to have a chat around the, like, the income protection with the switch to self employment. Has\n\nChannel 1: Correct.\n\nChannel 0: have you already done the switch?\n\nChannel 1: No.\n\nChannel 0: You wanna no. About to.\n\nChannel 1: Yeah.\n\nChannel 0: Because last\n\nChannel 1: I'm\n\nChannel 0: time\n\nChannel 1: about\n\nChannel 0: you were doing\n\nChannel 1: to\n\nChannel 0: the certificate\n\nChannel 1: potentially\n\nChannel 0: four.\n\nChannel 1: in the next month or two, definitely something's gonna happen. I just I went and met with my accountant the other day about,\n\nChannel 0: K.\n\nChannel 1: obviously, registering for GST and all this sort of stuff.\n\nChannel 0: Yep.\n\nChannel 1: Then we got onto the track of talking about insurances and whatnot. I mentioned I already\n\nChannel 0: Sensational.\n\nChannel 1: had income protection and all this sort of stuff. And she just said, look, maybe just give them a call, have a chat, because potentially from full time employment to sole trader could change or, you know, impacted or something like that. So that's all\n\nChannel 0: Yep.\n\nChannel 1: I'm basically bringing up just to have a chat to see if if it will be an issue or not.\n\nChannel 0: Fantastic. And I really appreciate your account and actually prompting that because\n\nChannel 1: Yep.\n\nChannel 0: that's a fantastic question to have. So there are a few things that change in terms of claims\n\nChannel 1: Yep.\n\nChannel 0: for the next twelve months, two years, three years, five years. So I'll kind of walk you through a little bit. Let me just pull up your current policy for a second just to make sense of it.\n\nChannel 1: Yep.\n\nChannel 0: So let's say you've got a cover amount of 5,693 a month,\n\nChannel 1: Yep.\n\nChannel 0: and that covers your policy is $20.27. So it covers you for 75%, not the new 70% the government mandated. So let's say you're protected for 90,000.\n\nChannel 1: Yep. Yep. Which\n\nChannel 0: As\n\nChannel 1: is\n\nChannel 0: you go\n\nChannel 1: basically\n\nChannel 0: for the next\n\nChannel 1: my current income. Yep.\n\nChannel 0: Correct. So let's say you go self employed and a week later, something happens and you're out of work for six months.\n\nChannel 1: Yep.\n\nChannel 0: They will ask you for the last twelve months of financials, which for you will basically just be like a tax return saying I was earning $90,000, and I've just started self employed three weeks ago. They will look back twelve months, and they'll go, okay. He was on 90. Average it out 89,000, whatever it is, and they'll pay you 75% of that. So pretty well sweep.\n\nNow as the year goes on, let's say that you go self employed and you earn basically nothing for twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Every month that that goes along, that twelve month look back is an average out. So if you\n\nChannel 1: Yep.\n\nChannel 0: had\n\nChannel 1: Yep.\n\nChannel 0: 90 and you're gonna end up in the year on $10, let's say, but you're halfway through the year, they're gonna grab the 90, grab the 10, half both of them, add them together. So the further you go along, the more that average out is gonna reduce the payout\n\nChannel 1: Yep.\n\nChannel 0: for the insurance.\n\nChannel 1: Yep.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that make\n\nChannel 1: So,\n\nChannel 0: sense?\n\nChannel 1: ideally, I will still ideally, I still can contract to my current employer.\n\nChannel 0: Okay. That's good.\n\nChannel 1: Potentially, like, I haven't had any of the conversations yet. I've gotta get my there's a few things I've gotta get. I've gotta get a vehicle because I got a company car. So I'm in the process of getting a vehicle at the moment. I'm waiting to hear back about my plumbing licenses and all this sort of stuff.\n\nSo once I get all my ducks in a row,\n\nChannel 0: Yeah.\n\nChannel 1: I have to have the conversation with my employer. Ideally, he lets me submit to him.\n\nChannel 0: Yep.\n\nChannel 1: So worst case\n\nChannel 0: Keeps\n\nChannel 1: scenario\n\nChannel 0: the income\n\nChannel 1: is\n\nChannel 0: going.\n\nChannel 1: I'll make the same amount of money. I I I worst worst case scenario for me is I just sub it to him for twelve months, and I basically make $90. You know, basically\n\nChannel 0: Yeah.\n\nChannel 1: make the same as if I was working for him. I'm just subbing instead. But, ideally, I wanna get my own jobs and, you know, whatever. So, basically, what you're saying is if I can worst case scenario for me is the less I earn, the worse it'll be. So if I can make what I'm making now, it's probably not a problem.\n\nChannel 0: Correct. And if you earn more than that,\n\nChannel 1: Yep.\n\nChannel 0: you just gotta remember that you you're still insured for what you're insured for. So if you magically earn a 180,000 in the first year, they're still\n\nChannel 1: Yep.\n\nChannel 0: gonna pay you out 75% of the 90\n\nChannel 1: Yep.\n\nChannel 0: that you're insured for.\n\nChannel 1: Yep. But, like yeah. Worst case scenario, if something does happen, I'm still gonna get something.\n\nChannel 0: Yes. There'll\n\nChannel 1: Yep.\n\nChannel 0: be\n\nChannel 1: So I\n\nChannel 0: no\n\nChannel 1: I\n\nChannel 0: zeros,\n\nChannel 1: like,\n\nChannel 0: not like\n\nChannel 1: if I\n\nChannel 0: unemployment.\n\nChannel 1: make if I make $200 or something like crazy, I'm still basically just gonna get paid out as if I was now. So I shouldn't be really any worse worse off.\n\nChannel 0: No. You'll still get\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: only\n\nChannel 0: $5.06\n\nChannel 1: a problem\n\nChannel 0: eight three\n\nChannel 1: if I don't make $90 or if I if I make $10, like you said, then it becomes a problem.\n\nChannel 0: axle. Correct.\n\nChannel 1: Yep. Okay. So in theory, we don't really have to change anything with it? Or\n\nChannel 0: No. In theory, twelve months is basically to see what happens where two\n\nChannel 1: yep.\n\nChannel 0: things should happen is either things go really, really well and you go, look, Matt, I wanna increase it because now I've got the income has gone up. And\n\nChannel 1: Yep.\n\nChannel 0: then they really wanna see self employed for about two years on average.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But if it goes down, you don't wanna be paying premiums for something you can't claim on for more than twelve months and then the next\n\nChannel 1: Yeah.\n\nChannel 0: year and then the next year then the next year. So if you earn, let's say, you only ever earn $50 for the next five years, you don't wanna be insured for 90 when you're only been earning 50.\n\nChannel 1: Yep.\n\nChannel 0: We should trim it down. So we\n\nChannel 1: Yeah.\n\nChannel 0: get let it run for twelve months. Once it comes closer to that sort of next anniversary, we'll see what's going on with the income situation. We can\n\nChannel 1: Yep.\n\nChannel 0: average it out, and then I can make some adjustments from\n\nChannel 1: Yep.\n\nChannel 0: there. But\n\nChannel 1: But\n\nChannel 0: outside\n\nChannel 1: we obviously\n\nChannel 0: of that,\n\nChannel 1: can't\n\nChannel 0: policy\n\nChannel 1: do anything\n\nChannel 0: can roll.\n\nChannel 1: until we because this is the unknown. Like, so when you're on wages and full time, you obviously know how much you earn because you're full time, you're gonna earn x.\n\nChannel 0: Yeah.\n\nChannel 1: When you go to self employed or a subcontractor, basically, the the the earnings for that year is sort of an unknown until I do a year and then we can go off that.\n\nChannel 0: Exactly right. Yep.\n\nChannel 1: Yep. Yep. Alright. Yep. So basically, if I understand, we're just gonna we don't have to make any changes or anything like that.\n\nIt's just if something does happen to me, it's gonna just be, you know, it yeah. That will just average out your income, and it could be the same if I earn the same or if I earn a lot less, it could be a lot less.\n\nChannel 0: Correct. Yep. You got it 100%.\n\nChannel 1: Yeah. Yeah. And then, like, I was talking to my accountant, and possibly she said maybe for twelve months or so, you might not put as much into super because you sort of need that money. But obviously, I've got that little nest egg there and it it it'll still just continue to come out of there. But ideally, as soon as possible, I wanna start contributing to super again, I would assume.\n\nChannel 0: Yeah. It's one of those things where it's pretty common when people go self employed that the first few years, whether it's one year to five years is a bit of a holding pattern for super where\n\nChannel 1: Yep.\n\nChannel 0: you just get used to the usual, you know, putting aside for GST and and taxes and your BAS statements and all that\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: And\n\nChannel 0: of thing.\n\nChannel 1: you need\n\nChannel 0: And\n\nChannel 1: and\n\nChannel 0: then\n\nChannel 1: you also yeah. You need that. You you need everything you can get potentially.\n\nChannel 0: pretty much. And then once\n\nChannel 1: Yep.\n\nChannel 0: that settles down, you're in a bit of a groove and things start rolling on, then you go, okay. I can easily start to put in a regular amount again.\n\nChannel 1: Yep.\n\nChannel 0: Or you get to the end of financial year, there's 240,000 sitting there, and you go, oh, I might put 30 in just to, you know, drop the tax down, boost the super back up, and because I've had all this excess that's just piled up to\n\nChannel 1: Yeah.\n\nChannel 0: the side.\n\nChannel 1: Which\n\nChannel 0: So\n\nChannel 1: is something\n\nChannel 0: whatever\n\nChannel 1: my accountant\n\nChannel 0: happens\n\nChannel 1: said too. She said, look, we'll look at it. But she said, look, let's say you do really well or something like that. She goes, she might tell you to put x amount into super because then, obviously, that offsets your tax or whatever. And, you know, it might even just be as if a normal working year or whatever and you just roll with that.\n\nChannel 0: Yeah. Yep. You got it. We basically just every review, we see what's been going on. Do we do\n\nChannel 1: Yep.\n\nChannel 0: regular amounts or lump sums or none?\n\nChannel 1: Yep.\n\nChannel 0: And the only thing is if it goes, you know, three years where nothing's really going that well and nothing goes in, we're not gonna be sitting there going, hey. Grant, you should sign another fee form and pay us for another twelve months when nothing's happening. We\n\nChannel 1: Yeah.\n\nChannel 0: need to make sure that we're able to actually get you moving forward\n\nChannel 1: Yeah.\n\nChannel 0: to help you get into an improved position. So worst case scenario, we go, look, might might not be in your best interest to be paying for an adviser right now. But if it\n\nChannel 1: Yeah.\n\nChannel 0: rolls on, smooths out over the one to three years, it usually\n\nChannel 1: Yeah.\n\nChannel 0: just picks back up pretty quickly.\n\nChannel 1: Yep.\n\nChannel 0: You just\n\nChannel 1: But\n\nChannel 0: don't\n\nChannel 1: then\n\nChannel 0: wanna\n\nChannel 1: if\n\nChannel 0: be those\n\nChannel 1: in\n\nChannel 0: guys\n\nChannel 1: theory,\n\nChannel 0: that go to\n\nChannel 1: if I\n\nChannel 0: 50\n\nChannel 1: sub it\n\nChannel 0: eight.\n\nChannel 1: for twelve months and don't really get a lot of my own work, they have to pay me the all the rules have changed. Now anyway, where they pay you super anyway, so it'll just be,\n\nChannel 0: Yes.\n\nChannel 1: you know, ticking along as as usual. But also to whatever whatever amount I've got in there, I'll still continue to get interest in let's say I got $90 in there and I don't contribute for three years. I'll still contribute I'll still gain interest and whatever on that 90. It's just I won't have regular regular payments going in. I won't be really increasing on the the total tally, but I'll still be getting interest on the $90.\n\nIs that is that right?\n\nChannel 0: Yeah. A 100%. So you're at just shy of 92 that stays invested, and that's just kind of fluctuating up and down with the investments trying to grow on its own back.\n\nChannel 1: Yep.\n\nChannel 0: And one of the things that we do is we go, okay. You you don't wanna have too many things in terms of fees and insurance premiums and taxes all coming out of that with\n\nChannel 1: If\n\nChannel 0: nothing\n\nChannel 1: you're not\n\nChannel 0: going\n\nChannel 1: heading\n\nChannel 0: in.\n\nChannel 1: to it. Yep.\n\nChannel 0: It can hold its own for a year or two, but it can't get you to a million dollars by itself with nothing.\n\nChannel 1: Yep.\n\nChannel 0: So that's why I said, like, that one to three year holding pattern is\n\nChannel 1: Yep.\n\nChannel 0: let the investments do their thing, sort\n\nChannel 1: Yep.\n\nChannel 0: out your cash flow and your taxes, let the insurance kinda sit there in the background for twelve months, and then we come back together. Do we\n\nChannel 1: Yep.\n\nChannel 0: adjust the insurance? Do we\n\nChannel 1: Yep.\n\nChannel 0: do the contributions lump sum or regular? And then what do we do from there, cash\n\nChannel 1: Yep.\n\nChannel 0: flow\n\nChannel 1: And\n\nChannel 0: wise?\n\nChannel 1: that's something that you guys obviously being, you know, in you know, you guys taking care of my super, and all that's just something you guys will come to me at some point and say, hey. We need to potentially look at this or whatever. And you'll make me aware of that anyway, I I assume.\n\nChannel 0: Yeah. 100 percent.\n\nChannel 1: Yep.\n\nChannel 0: When we go through the reviews, I'll be checking all these points with you.\n\nChannel 1: Yep.\n\nChannel 0: And we have a lot of self employed guys where they get to the end of the year. We help them with the forms to claim the contributions as tax deductions and all that kind of thing and just\n\nChannel 1: Yep.\n\nChannel 0: kind of work in tandem with you guys and the accounts,\n\nChannel 1: Yep.\n\nChannel 0: and it works out pretty well.\n\nChannel 1: Yep. Yep. So yeah. So, basically, just a quick recap. Nothing changes.\n\nWe just keep it, and then we just have to go by a year to year basis and then adjust from there.\n\nChannel 0: Pretty much. Yeah. And then it's just basically good on you for giving it a go.\n\nChannel 1: Yep.\n\nChannel 0: Best of luck, and and hopefully you get the vehicles and everything sorted and the work\n\nChannel 1: Yep.\n\nChannel 0: comes to the party. And, mate, we'd just love to hear that you're, you know, having a success out there in twelve months.\n\nChannel 1: Yeah. Well, worst case scenario in my eyes is I'm just subbing to my account instead of being full time for my current employer. I'm just subbing to him. And then, yeah, he has to pay super anyway now when you're subbing. So that's the worst case scenario.\n\nBut, obviously, I want to be able to be doing my own jobs and and stuff\n\nChannel 0: Add\n\nChannel 1: like that.\n\nChannel 0: to it.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yep.\n\nChannel 0: That's cool. So we've got we were gonna get you kind of booked in in a couple of months' time for a bit of an update in\n\nChannel 1: Yep.\n\nChannel 0: terms of reviews and things like that. Up to you whether we just tee up in a couple of months or towards Christmas time, whatever your preferred contact frequency is from this point.\n\nChannel 1: Yep. So I'm happy to well, whatever you think is best. Like, yeah, if you wanna touch base whenever, yeah, I'm I'm happy for that. That's not a problem for me. So yeah.\n\nChannel 0: Yeah. Awesome. No. No. We'll make sure everything is going smoothly because the world's kind of up and down at the moment.\n\nAnd if nothing,\n\nChannel 1: Yeah.\n\nChannel 0: even if it's a short conversation saying everything's going well and you're starting off on your thing,\n\nChannel 1: Yep.\n\nChannel 0: at least it's a bit of a touch point, and then we can kind of space it out as we need to from there.\n\nChannel 1: Perfect. No. Sounds good, mate. That's yeah. That's really all I need to know.\n\nWe just, yeah, basically, I just stayed with you guys, and we'll just adjust it as we need to.\n\nChannel 0: Yeah. 100%. Mate, any questions for me before I let you go?\n\nChannel 1: No. That was that was basically it, mate. That's yeah. Awesome. Thank you very much.\n\nChannel 0: Cool. If you do get to the point where you do start and you get everything registered and you and you go out, like,\n\nChannel 1: Yep.\n\nChannel 0: if you can give us a buzz, let us know. That'd be great. Otherwise, I'll be\n\nChannel 1: Yep.\n\nChannel 0: catching up with you in a couple of months anyway, and we will\n\nChannel 1: Yep.\n\nChannel 0: capture that at some point when we do do the next review.\n\nChannel 1: Yep. No worries, mate. Yep. When I when I get all me when I get everything in a row, when I actually tell the boss what's going on, I'll, yeah, I'll let you know that, yeah, potentially, you know, I think I've gotta give a month's notice because I've been over ten years. So I'll say, look.\n\nI've just given me a month's notice. So in four weeks' time, I'll be a sole trader, and, yeah, we'll go from there.\n\nChannel 0: Fantastic. They're gonna pay out some long service leave or anything? Or\n\nChannel 1: I've actually took all me on service leave already to try and get some money behind me.\n\nChannel 0: yep.\n\nChannel 1: And, yeah, I've used the I've been I've been using up all my holidays and sick pay. So I'm major I've got nothing left. So yeah.\n\nChannel 0: Fantastic. Alright, mate.\n\nChannel 1: Yeah.\n\nChannel 0: Well, best of luck with it. I hope it goes really well, and I'm about to click off on on leave for a couple of weeks.\n\nChannel 1: Awesome.\n\nChannel 0: The\n\nChannel 1: Beauty.\n\nChannel 0: maybe number three is coming in a week and a half's time, so I'll be on a bit of paternity leave. So\n\nChannel 1: Yeah. Well done, mate. Congratulations. But, yeah, enjoy. And I'm yeah.\n\nI will just talk to you when I hear from you, and we'll just go from there. Sounds sounds like it's not that, you know, big of a deal. My account just yet wanted me to just touch base and make sure. So we'll just keep ticking over, and I'll hear from you.\n\nChannel 0: Yeah, mate. No. I appreciate you doing that. That really helps us. And, yeah, nothing to worry about and talk to you soon.\n\nChannel 1: Alright. Thanks, mate. Enjoy.\n\nChannel 0: Thanks, Trent. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.0406416617333889}],"sentiment":"neutral","sentiment_score":0.0406416617333889,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good day, Grant.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.24201171100139618},{"text":"It's Tommy here, senior adviser of.","start":3.6,"end":5.44,"sentiment":"neutral","sentiment_score":0.1546105071902275},{"text":"How you 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okay.","start":15.014999,"end":15.575,"sentiment":"neutral","sentiment_score":0.031096097081899643},{"text":"I'm not in Queensland.","start":15.575,"end":16.555,"sentiment":"neutral","sentiment_score":-0.025227434001863003}],"sentiment":"neutral","sentiment_score":-0.0064529236406087875,"channel":1,"num_words":6,"start":15.014999,"end":16.555},{"sentences":[{"text":"Yeah.","start":17.225,"end":17.465,"sentiment":"neutral","sentiment_score":0.024022851139307026},{"text":"True that.","start":17.465,"end":18.105,"sentiment":"neutral","sentiment_score":0.0515789482742548},{"text":"True.","start":18.105,"end":18.505001,"sentiment":"neutral","sentiment_score":0.036741822957992554},{"text":"Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation.","start":18.505001,"end":25.485,"sentiment":"neutral","sentiment_score":0.04195197632438258},{"text":"Do you mind if I","start":25.785,"end":26.4,"sentiment":"neutral","sentiment_score":0.013639519549906253}],"sentiment":"neutral","sentiment_score":0.03675741851995034,"channel":0,"num_words":28,"start":17.225,"end":26.4},{"sentences":[{"text":"Yeah.","start":26.375,"end":26.875,"sentiment":"neutral","sentiment_score":0.02516399882733822}],"sentiment":"neutral","sentiment_score":0.02516399882733822,"channel":1,"num_words":1,"start":26.375,"end":26.875},{"sentences":[{"text":"just quickly do the security check with you while I load","start":26.4,"end":29.2,"sentiment":"neutral","sentiment_score":0.03714870593764565}],"sentiment":"neutral","sentiment_score":0.03714870593764565,"channel":0,"num_words":11,"start":26.4,"end":29.2},{"sentences":[{"text":"Yeah.","start":29.16,"end":29.66,"sentiment":"neutral","sentiment_score":0.03245169296860695}],"sentiment":"neutral","sentiment_score":0.03245169296860695,"channel":1,"num_words":1,"start":29.16,"end":29.66},{"sentences":[{"text":"up your 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Bandsdale.","start":35.32,"end":39.18,"sentiment":"neutral","sentiment_score":0.02204931154847145}],"sentiment":"neutral","sentiment_score":0.019945212453603745,"channel":1,"num_words":5,"start":34.68,"end":39.18},{"sentences":[{"text":"Sensational.","start":39.935,"end":40.435,"sentiment":"neutral","sentiment_score":0.04293294623494148},{"text":"And are you okay for the call to be recorded for training and","start":40.655003,"end":43.615,"sentiment":"neutral","sentiment_score":0.026315030713494007}],"sentiment":"neutral","sentiment_score":0.027502024679311683,"channel":0,"num_words":14,"start":39.935,"end":43.615},{"sentences":[{"text":"Yeah.","start":43.614998,"end":44.114998,"sentiment":"neutral","sentiment_score":0.021922245621681213}],"sentiment":"neutral","sentiment_score":0.021922245621681213,"channel":1,"num_words":1,"start":43.614998,"end":44.114998},{"sentences":[{"text":"quality 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about,","start":69.015,"end":72.395,"sentiment":"neutral","sentiment_score":-0.01579014827998785}],"sentiment":"neutral","sentiment_score":-0.04939532579611177,"channel":1,"num_words":23,"start":62.53,"end":72.395},{"sentences":[{"text":"K.","start":72.825,"end":73.325,"sentiment":"neutral","sentiment_score":-0.02244727872312069}],"sentiment":"neutral","sentiment_score":-0.02244727872312069,"channel":0,"num_words":1,"start":72.825,"end":73.325},{"sentences":[{"text":"obviously, registering for GST and all this sort of stuff.","start":73.895,"end":77.275,"sentiment":"neutral","sentiment_score":-0.02172497007995844}],"sentiment":"neutral","sentiment_score":-0.02172497007995844,"channel":1,"num_words":10,"start":73.895,"end":77.275},{"sentences":[{"text":"Yep.","start":77.16,"end":77.66,"sentiment":"neutral","sentiment_score":0.011926128529012203}],"sentiment":"neutral","sentiment_score":0.011926128529012203,"channel":0,"num_words":1,"start":77.16,"end":77.66},{"sentences":[{"text":"Then we got onto the track of talking about insurances and whatnot.","start":78.055,"end":81.275,"sentiment":"neutral","sentiment_score":-0.007038686579714219},{"text":"I mentioned I already","start":82.28,"end":83.24,"sentiment":"neutral","sentiment_score":-0.005012134090065956}],"sentiment":"neutral","sentiment_score":-0.006532048457302153,"channel":1,"num_words":16,"start":78.055,"end":83.24},{"sentences":[{"text":"Sensational.","start":83.1675,"end":83.6675,"sentiment":"neutral","sentiment_score":-0.010498314164578916}],"sentiment":"neutral","sentiment_score":-0.010498314164578916,"channel":0,"num_words":1,"start":83.1675,"end":83.6675},{"sentences":[{"text":"had income protection and all this sort of stuff.","start":83.24,"end":86.78,"sentiment":"neutral","sentiment_score":-0.014948572549555037},{"text":"And she just said, look, maybe just give them a call, have a chat, because potentially from full time employment to sole trader could change or, you know, impacted or something like 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you.","start":901.13,"end":904.75,"sentiment":"neutral","sentiment_score":0.28332831913774664}],"sentiment":"neutral","sentiment_score":0.13225300188334482,"channel":1,"num_words":53,"start":892.275,"end":904.75},{"sentences":[{"text":"Yeah, mate.","start":904.33496,"end":904.975,"sentiment":"positive","sentiment_score":0.3647778779268265},{"text":"No.","start":904.975,"end":905.21497,"sentiment":"neutral","sentiment_score":0.1800619512796402},{"text":"I appreciate you doing that.","start":905.21497,"end":906.415,"sentiment":"positive","sentiment_score":0.6629078984260559},{"text":"That really helps us.","start":906.415,"end":907.535,"sentiment":"positive","sentiment_score":0.766306072473526},{"text":"And, yeah, nothing to worry about and talk to you soon.","start":907.535,"end":911.70294,"sentiment":"positive","sentiment_score":0.48942225629633124}],"sentiment":"positive","sentiment_score":0.5510011438442313,"channel":0,"num_words":23,"start":904.33496,"end":911.70294},{"sentences":[{"text":"Alright.","start":912.01,"end":912.32996,"sentiment":"positive","sentiment_score":0.5049613118171692},{"text":"Thanks, mate.","start":912.32996,"end":912.97,"sentiment":"positive","sentiment_score":0.7926874458789825},{"text":"Enjoy.","start":912.97,"end":913.47,"sentiment":"positive","sentiment_score":0.7658388614654541}],"sentiment":"positive","sentiment_score":0.7140437662601471,"channel":1,"num_words":4,"start":912.01,"end":913.47},{"sentences":[{"text":"Thanks, Trent.","start":913.94293,"end":914.54297,"sentiment":"positive","sentiment_score":0.7579696178436279},{"text":"See you later.","start":914.54297,"end":915.32294,"sentiment":"positive","sentiment_score":0.6518589456876119},{"text":"Bye.","start":916.10297,"end":916.60297,"sentiment":"neutral","sentiment_score":0.31340569257736206}],"sentiment":"positive","sentiment_score":0.6308202942212423,"channel":0,"num_words":6,"start":913.94293,"end":916.60297},{"sentences":[{"text":"Bye.","start":917.29285,"end":917.56793,"sentiment":"neutral","sentiment_score":-0.13075444102287292}],"sentiment":"neutral","sentiment_score":-0.13075444102287292,"channel":1,"num_words":1,"start":917.29285,"end":917.56793}]},"summary":{"result":"success","short":"A senior adviser named Tommy discusses the benefits of self-employment insurance policy with a customer named Grant, including a payout of 75% of their current paycheck and the process of obtaining their vehicle and potential loss of insurance if they make a larger monthly payment. The benefits of self-employment are discussed, including reducing payroll taxes and adjusting policy payments. The speaker emphasizes the importance of making sure they have enough money to afford it and offers to help their employer with forms to claim contributions and credit card deductions. They also mention the process of helping a self-employed person with tax deductions and contributions to the speaker's account and offer to help their employer with credit card deductions and coverage."},"intents":{"segments":[{"text":"Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation. Do you mind if I Yeah.","start_word":55,"end_word":79,"intents":[{"intent":"Discuss insurances and occupation","confidence_score":0.0841203}]},{"text":"Can you just confirm your date of birth and address for me? it.","start_word":98,"end_word":110,"intents":[{"intent":"Confirm name","confidence_score":0.0015360686},{"intent":"Confirm date of birth","confidence_score":0.24890324},{"intent":"Confirm address","confidence_score":0.5239991}]},{"text":"So the team let me know that you were just wanting to have a chat around the, like, the income protection with the switch to self employment. Has Correct.","start_word":136,"end_word":164,"intents":[{"intent":"Discuss income protection with GST","confidence_score":0.0032024707},{"intent":"Schedule chat","confidence_score":0.0063002747}]},{"text":"And I really appreciate your account and actually prompting that because Yep. that's a fantastic question to have.","start_word":310,"end_word":327,"intents":[{"intent":"Express appreciation","confidence_score":0.48143196}]},{"text":"So let's say you've got a cover amount of 5,693 a month, Yep. and that covers your policy is $20.27. So it covers you for 75%, not the new 70% the government mandated. So let's say you're protected for 90,000. Yep.","start_word":380,"end_word":420,"intents":[{"intent":"Discuss policy coverage and costs","confidence_score":0.000118858865}]},{"text":"I have to have the conversation with my employer. Ideally, he lets me submit to him.","start_word":716,"end_word":731,"intents":[{"intent":"Submit to employer","confidence_score":0.5685341}]},{"text":"I'll make the same amount of money.","start_word":742,"end_word":748,"intents":[{"intent":"Make income","confidence_score":0.30165535}]},{"text":"And if you earn more than that, Yep. you just gotta remember that you you're still insured for what you're insured for. So if you magically earn a 180,000 in the first year, they're still Yep. gonna pay you out 75% of the 90 Yep. that you're insured for. Yep.","start_word":841,"end_word":890,"intents":[{"intent":"Recall insurance coverage","confidence_score":0.036870893}]},{"text":"We can Yep.","start_word":1162,"end_word":1164,"intents":[{"intent":"Evaluate income situation","confidence_score":0.027312329}]},{"text":"That will just average out your income, and it could be the same if I earn the same or if I earn a lot less, it could be a lot less. Correct. Yep.","start_word":1299,"end_word":1331,"intents":[{"intent":"Improve income impact","confidence_score":0.0000027554113}]},{"text":"And the only thing is if it goes, you know, three years where nothing's really going that well and nothing goes in, we're not gonna be sitting there going, hey. Grant, you should sign another fee form and pay us for another twelve months when nothing's happening.","start_word":1683,"end_word":1729,"intents":[{"intent":"Update fee forms","confidence_score":0.0010344461}]},{"text":"It can hold its own for a year or two, but it can't get you to a million dollars by itself with nothing. Yep.","start_word":2021,"end_word":2044,"intents":[{"intent":"Evaluate holding patterns","confidence_score":0.010362618}]},{"text":"So we've got we were gonna get you kind of booked in in a couple of months' time for a bit of an update in Yep. terms of reviews and things like that. Up to you whether we just tee up in a couple of months or towards Christmas time, whatever your preferred contact frequency is from this point. Yep.","start_word":2422,"end_word":2481,"intents":[{"intent":"Schedule appointment","confidence_score":0.1003981}]},{"text":"If you do get to the point where you do start and you get everything registered and you and you go out, like, Yep. if you can give us a buzz, let us know. That'd be great. Otherwise, I'll be Yep. catching up with you in a couple of months anyway, and we will Yep. capture that at some point when we do do the next review. Yep.","start_word":2644,"end_word":2711,"intents":[{"intent":"Request information about the status","confidence_score":0.0000025964348}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Grant. It's Tommy here, senior adviser of. How you been?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1578342318534851},{"text":"Good. Thanks.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.4076687693595886},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.3023219704627991},{"text":"Living the dream. It's been a fantastic evening.","start_word":18,"end_word":25,"sentiment":"positive","sentiment_score":0.6492576003074646},{"text":"What about your end? Yeah. That's alright. Good Well, it's to a hear. bit shit, Good to but hear. that's okay. I'm not in Queensland. Yeah. True that. True. Mate, I'm just giving you a call to go through that updated chat about the insurances and the occupation. Do you mind if I Yeah. just quickly do the security check with you while I load Yeah. up your file? Go for Perfect. Can you just confirm your date of birth and address for me? it. 1312199021 Fitzgerald Street, Bandsdale. Sensational. And are you okay for the call to be recorded for training and Yeah. quality purposes? Yeah. That's fine.","start_word":26,"end_word":134,"sentiment":"neutral","sentiment_score":0.04086491838097572},{"text":"Fantastic.","start_word":135,"end_word":135,"sentiment":"positive","sentiment_score":0.3751685321331024},{"text":"So the team let me know that you were just wanting to have a chat around the, like, the income protection with the switch to self employment. Has Correct. have you already done the switch? No. You wanna no. About to. Yeah. Because last I'm time about you were doing to the certificate potentially four. in the next month or two, definitely something's gonna happen. I just I went and met with my accountant the other day about, K. obviously, registering for GST and all this sort of stuff. Yep. Then we got onto the track of talking about insurances and whatnot. I mentioned I already Sensational. had income protection and all this sort of stuff. And she just said, look, maybe just give them a call, have a chat, because potentially from full time employment to sole trader could change or, you know, impacted or something like that. So that's all Yep. I'm basically bringing up just to have a chat to see if if it will be an issue or not.","start_word":136,"end_word":308,"sentiment":"neutral","sentiment_score":-0.002762874821200967},{"text":"Fantastic. And I really appreciate your account and actually prompting that because Yep. that's a fantastic question to have.","start_word":309,"end_word":327,"sentiment":"positive","sentiment_score":0.5653194785118103},{"text":"So there are a few things that change in terms of claims Yep. for the next twelve months, two years, three years, five years. So I'll kind of walk you through a little bit. Let me just pull up your current policy for a second just to make sense of it. Yep. So let's say you've got a cover amount of 5,693 a month, Yep. and that covers your policy is $20.27. So it covers you for 75%, not the new 70% the government mandated. So let's say you're protected for 90,000. Yep. Yep. Which As is you go basically for the next my current income. Yep. Correct. So let's say you go self employed and a week later, something happens and you're out of work for six months. Yep. They will ask you for the last twelve months of financials, which for you will basically just be like a tax return saying I was earning $90,000, and I've just started self employed three weeks ago. They will look back twelve months, and they'll go, okay. He was on 90. Average it out 89,000, whatever it is, and they'll pay you 75% of that. So pretty well sweep. Now as the year goes on, let's say that you go self employed and you earn basically nothing for twelve months. Yep. Every month that that goes along, that twelve month look back is an average out. So if you Yep. had Yep. 90 and you're gonna end up in the year on $10, let's say, but you're halfway through the year, they're gonna grab the 90, grab the 10, half both of them, add them together. So the further you go along, the more that average out is gonna reduce the payout Yep. for the insurance. Yep. Does Yep. that make So, sense? ideally, I will still ideally, I still can contract to my current employer. Okay. That's good. Potentially, like, I haven't had any of the conversations yet. I've gotta get my there's a few things I've gotta get. I've gotta get a vehicle because I got a company car. So I'm in the process of getting a vehicle at the moment. I'm waiting to hear back about my plumbing licenses and all this sort of stuff. So once I get all my ducks in a row, Yeah. I have to have the conversation with my employer. Ideally, he lets me submit to him. Yep. So worst case Keeps scenario the income is going. I'll make the same amount of money. I I I worst worst case scenario for me is I just sub it to him for twelve months, and I basically make $90. You know, basically Yeah. make the same as if I was working for him. I'm just subbing instead. But, ideally, I wanna get my own jobs and, you know, whatever. So, basically, what you're saying is if I can worst case scenario for me is the less I earn, the worse it'll be. So if I can make what I'm making now, it's probably not a problem. Correct. And if you earn more than that, Yep. you just gotta remember that you you're still insured for what you're insured for. So if you magically earn a 180,000 in the first year, they're still Yep. gonna pay you out 75% of the 90 Yep. that you're insured for. Yep. But, like yeah. Worst case scenario, if something does happen, I'm still gonna get something. Yes. There'll Yep. be So I no I zeros, like, not like if I unemployment. make if I make $200 or something like crazy, I'm still basically just gonna get paid out as if I was now. So I shouldn't be really any worse worse off. No. You'll still get It's that only $5.","start_word":328,"end_word":959,"sentiment":"neutral","sentiment_score":0.0027503511235501053},{"text":"06 a problem eight three if I don't make $90 or if I if I make $10, like you said, then it becomes a problem.","start_word":960,"end_word":983,"sentiment":"negative","sentiment_score":-0.40224605798721313},{"text":"axle. Correct. Yep. Okay. So in theory, we don't really have to change anything with it? Or No. In theory, twelve months is basically to see what happens where two yep. things should happen is either things go really, really well and you go, look, Matt, I wanna increase it because now I've got the income has gone up. And Yep. then they really wanna see self employed for about two years on average. Yep. Yep. But if it goes down, you don't wanna be paying premiums for something you can't claim on for more than twelve months and then the next Yeah. year and then the next year then the next year. So if you earn, let's say, you only ever earn $50 for the next five years, you don't wanna be insured for 90 when you're only been earning 50. Yep. We should trim it down. So we Yeah. get let it run for twelve months. Once it comes closer to that sort of next anniversary, we'll see what's going on with the income situation. We can Yep. average it out, and then I can make some adjustments from Yep. there. But But outside we obviously of that, can't policy do anything can roll. until we because this is the unknown. Like, so when you're on wages and full time, you obviously know how much you earn because you're full time, you're gonna earn x. Yeah. When you go to self employed or a subcontractor, basically, the the the earnings for that year is sort of an unknown until I do a year and then we can go off that. Exactly right. Yep. Yep. Yep. Alright. Yep. So basically, if I understand, we're just gonna we don't have to make any changes or anything like that. It's just if something does happen to me, it's gonna just be, you know, it yeah. That will just average out your income, and it could be the same if I earn the same or if I earn a lot less, it could be a lot less. Correct. Yep.","start_word":984,"end_word":1330,"sentiment":"neutral","sentiment_score":-0.014475478066040218},{"text":"You got it 100%.","start_word":1331,"end_word":1334,"sentiment":"positive","sentiment_score":0.3919560611248016},{"text":"Yeah. Yeah. And then, like, I was talking to my accountant, and possibly she said maybe for twelve months or so, you might not put as much into super because you sort of need that money. But obviously, I've got that little nest egg there and it it it'll still just continue to come out of there. But ideally, as soon as possible, I wanna start contributing to super again, I would assume. Yeah. It's one of those things where it's pretty common when people go self employed that the first few years, whether it's one year to five years is a bit of a holding pattern for super where Yep. you just get used to the usual, you know, putting aside for GST and and taxes and your BAS statements and all that Yeah. kind And of thing. you need And and then you also yeah. You need that. You you need everything you can get potentially. pretty much. And then once Yep. that settles down, you're in a bit of a groove and things start rolling on, then you go, okay. I can easily start to put in a regular amount again. Yep. Or you get to the end of financial year, there's 240,000 sitting there, and you go, oh, I might put 30 in just to, you know, drop the tax down, boost the super back up, and because I've had all this excess that's just piled up to Yeah. the side. Which So is something whatever my accountant happens said too. She said, look, we'll look at it. But she said, look, let's say you do really well or something like that. She goes, she might tell you to put x amount into super because then, obviously, that offsets your tax or whatever. And, you know, it might even just be as if a normal working year or whatever and you just roll with that. Yeah. Yep. You got it. We basically just every review, we see what's been going on. Do we do Yep. regular amounts or lump sums or none? Yep. And the only thing is if it goes, you know, three years where nothing's really going that well and nothing goes in, we're not gonna be sitting there going, hey. Grant, you should sign another fee form and pay us for another twelve months when nothing's happening. We Yeah. need to make sure that we're able to actually get you moving forward Yeah.","start_word":1335,"end_word":1744,"sentiment":"neutral","sentiment_score":0.08133906107850192},{"text":"to help you get into an improved position.","start_word":1745,"end_word":1752,"sentiment":"positive","sentiment_score":0.3964051306247711},{"text":"So worst case scenario, we go, look, might might not be in your best interest to be paying for an adviser right now. But if it Yeah. rolls on, smooths out over the one to three years, it usually Yeah. just picks back up pretty quickly. Yep. You just But don't then wanna if be those in guys theory, that go to if I 50 sub it eight. for twelve months and don't really get a lot of my own work, they have to pay me the all the rules have changed. Now anyway, where they pay you super anyway, so it'll just be, Yes. you know, ticking along as as usual. But also to whatever whatever amount I've got in there, I'll still continue to get interest in let's say I got $90 in there and I don't contribute for three years. I'll still contribute I'll still gain interest and whatever on that 90. It's just I won't have regular regular payments going in. I won't be really increasing on the the total tally, but I'll still be getting interest on the $90. Is that is that right? Yeah. A 100%. So you're at just shy of 92 that stays invested, and that's just kind of fluctuating up and down with the investments trying to grow on its own back. Yep. And one of the things that we do is we go, okay. You you don't wanna have too many things in terms of fees and insurance premiums and taxes all coming out of that with If nothing you're not going heading in. to it. Yep. It can hold its own for a year or two, but it can't get you to a million dollars by itself with nothing. Yep. So that's why I said, like, that one to three year holding pattern is Yep. let the investments do their thing, sort Yep. out your cash flow and your taxes, let the insurance kinda sit there in the background for twelve months, and then we come back together. Do we Yep. adjust the insurance? Do we Yep. do the contributions lump sum or regular? And then what do we do from there, cash Yep. flow And wise? that's something that you guys obviously being, you know, in you know, you guys taking care of my super, and all that's just something you guys will come to me at some point and say, hey. We need to potentially look at this or whatever. And you'll make me aware of that anyway, I I assume. Yeah. 100 percent. Yep. When we go through the reviews, I'll be checking all these points with you. Yep. And we have a lot of self employed guys where they get to the end of the year. We help them with the forms to claim the contributions as tax deductions and all that kind of thing and just Yep.","start_word":1753,"end_word":2235,"sentiment":"neutral","sentiment_score":0.03501140557646011},{"text":"kind of work in tandem with you guys and the accounts, Yep. and it works out pretty well.","start_word":2236,"end_word":2253,"sentiment":"positive","sentiment_score":0.3960072100162506},{"text":"Yep. Yep. So yeah. So, basically, just a quick recap. Nothing changes. We just keep it, and then we just have to go by a year to year basis and then adjust from there.","start_word":2254,"end_word":2287,"sentiment":"neutral","sentiment_score":0.10838911682367323},{"text":"Pretty much. Yeah. And then it's just basically good on you for giving it a go. Yep. Best of luck, and and hopefully you get the vehicles and everything sorted and the work Yep. comes to the party. And, mate, we'd just love to hear that you're, you know, having a success out there in twelve months.","start_word":2288,"end_word":2344,"sentiment":"positive","sentiment_score":0.5725116531054179},{"text":"Yeah. Well, worst case scenario in my eyes is I'm just subbing to my account instead of being full time for my current employer. I'm just subbing to him. And then, yeah, he has to pay super anyway now when you're subbing. So that's the worst case scenario. But, obviously, I want to be able to be doing my own jobs and and stuff Add like that. to it. So yeah. Yeah. No. Yep.","start_word":2345,"end_word":2418,"sentiment":"neutral","sentiment_score":-0.10293798893690108},{"text":"That's cool.","start_word":2419,"end_word":2420,"sentiment":"positive","sentiment_score":0.4069097936153412},{"text":"So we've got we were gonna get you kind of booked in in a couple of months' time for a bit of an update in Yep. terms of reviews and things like that. Up to you whether we just tee up in a couple of months or towards Christmas time, whatever your preferred contact frequency is from this point. Yep.","start_word":2421,"end_word":2480,"sentiment":"neutral","sentiment_score":0.12172456085681917},{"text":"So I'm happy to well, whatever you think is best. Like, yeah, if you wanna touch base whenever, yeah, I'm I'm happy for that.","start_word":2481,"end_word":2504,"sentiment":"positive","sentiment_score":0.4459605515003204},{"text":"That's not a problem for me. So yeah. Yeah. Awesome. No. No. We'll make sure everything is going smoothly because the world's kind of up and down at the moment. And if nothing, Yeah. even if it's a short conversation saying everything's going well and you're starting off on your thing, Yep. at least it's a bit of a touch point, and then we can kind of space it out as we need to from there. Perfect. No. Sounds good, mate. That's yeah. That's really all I need to know. We just, yeah, basically, I just stayed with you guys, and we'll just adjust it as we need to. Yeah. 100%. Mate, any questions for me before I let you go? No. That was that was basically it, mate.","start_word":2505,"end_word":2633,"sentiment":"neutral","sentiment_score":0.14323480427265167},{"text":"That's yeah. Awesome. Thank you very much. Cool.","start_word":2634,"end_word":2641,"sentiment":"positive","sentiment_score":0.5015646815299988},{"text":"If you do get to the point where you do start and you get everything registered and you and you go out, like, Yep. if you can give us a buzz, let us know.","start_word":2642,"end_word":2675,"sentiment":"neutral","sentiment_score":0.10395322740077972},{"text":"That'd be great.","start_word":2676,"end_word":2678,"sentiment":"positive","sentiment_score":0.6036877036094666},{"text":"Otherwise, I'll be Yep. catching up with you in a couple of months anyway, and we will Yep. capture that at some point when we do do the next review. Yep. No worries, mate. Yep. When I when I get all me when I get everything in a row, when I actually tell the boss what's going on, I'll, yeah, I'll let you know that, yeah, potentially, you know, I think I've gotta give a month's notice because I've been over ten years. So I'll say, look. I've just given me a month's notice. So in four weeks' time, I'll be a sole trader, and, yeah, we'll go from there.","start_word":2679,"end_word":2788,"sentiment":"neutral","sentiment_score":0.06181177496910095},{"text":"Fantastic.","start_word":2789,"end_word":2789,"sentiment":"positive","sentiment_score":0.5726948976516724},{"text":"They're gonna pay out some long service leave or anything? Or I've actually took all me on service leave already to try and get some money behind me. yep. And, yeah, I've used the I've been I've been using up all my holidays and sick pay. So I'm major I've got nothing left. So yeah.","start_word":2790,"end_word":2844,"sentiment":"neutral","sentiment_score":0.008047057315707207},{"text":"Fantastic.","start_word":2845,"end_word":2845,"sentiment":"positive","sentiment_score":0.40833258628845215},{"text":"Alright, mate. Yeah. Well, best of luck with it. I hope it goes really well, and I'm about to click off on on leave for a couple of weeks.","start_word":2846,"end_word":2874,"sentiment":"neutral","sentiment_score":0.2041248083114624},{"text":"Awesome.","start_word":2875,"end_word":2875,"sentiment":"positive","sentiment_score":0.433832049369812},{"text":"The Beauty. maybe number three is coming in a week and a half's time, so I'll be on a bit of paternity leave. So Yeah.","start_word":2876,"end_word":2900,"sentiment":"neutral","sentiment_score":0.07347802072763443},{"text":"Well done, mate. Congratulations.","start_word":2901,"end_word":2904,"sentiment":"positive","sentiment_score":0.39428049325942993},{"text":"But, yeah, enjoy. And I'm yeah. I will just talk to you when I hear from you, and we'll just go from there. Sounds sounds like it's not that, you know, big of a deal. My account just yet wanted me to just touch base and make sure. So we'll just keep ticking over, and I'll hear from you.","start_word":2905,"end_word":2963,"sentiment":"neutral","sentiment_score":0.15131839503676203},{"text":"Yeah, mate.","start_word":2964,"end_word":2965,"sentiment":"positive","sentiment_score":0.36469122767448425},{"text":"No.","start_word":2966,"end_word":2966,"sentiment":"neutral","sentiment_score":0.1800619512796402},{"text":"I appreciate you doing that. That really helps us. And, yeah, nothing to worry about and talk to you soon. Alright. Thanks, mate. Enjoy. Thanks, Trent. See you later.","start_word":2967,"end_word":2995,"sentiment":"positive","sentiment_score":0.6324805021286011},{"text":"Bye. Bye.","start_word":2996,"end_word":2997,"sentiment":"neutral","sentiment_score":0.2770329713821411}],"average":{"sentiment":"neutral","sentiment_score":0.06700826869718023}}}}