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It's a little bit chilly here, and we're trialing a bit of work from home with the fuel crisis, It's a bit interesting. What about your end? Good to hear. Good to hear. Now I was just giving you a call to go through a bit of an insurance review with you if you still had time. Perfect. Now before I jump into that, I'm just gonna go through a quick security check with you. Do you recall your overview password? That's the one. And are you okay for the call to be recorded? And sensational. So, Tanya, what I've got open today, I want to ask you a couple of quick questions because I've gone through your entire history with all the different medical procedures and checks and underwriting that we've done. And I'm just having a look at your current cover and kind of comparing it against what I can see is your your previous situation. So I wanted to kind of start there, update your details, and sort of see what your options are, if that's okay. Cool. Now in terms of just this meeting in itself, you're getting a bit closer to your annual review date. So I was wanting to know if you wanted me to kind of combine in a bit of a discussion around your super as well and combine those two today or if you were a bit short on time. Yep. Perfect. Now one thing that I really need to start with, because that's gonna guide us quite well, is I'll quickly let you know what coverage you've got, but I need to update your assets and liabilities if that's alright too. Perfect. So I'll do a quick recap. We transferred across your original insurance policy. So it's come across into Hub twenty four. That's how we got it consolidated in the first bid. Does that ring a bell? Yep. Now you've got just short of 4 $100,000 worth of life insurance and total disability. So those are your lump sums. If you pass away, can never work again. There's 400,000 plus your super on top. The other thing too is you've got your income protection. So if you remember that one is kind of like if you're temporarily out of work, you get about 5,500 a month for up to two years. So it covers you kinda like short to medium term, and you have a waiting period of thirty days. So anything that you're out of work for for more than thirty days, you can then launch a claim. K? So a few things. When it comes to income protection, you can do a maximum of 70% of your income. And I last had you listed at about 82,000, but I was noting the contributions creeping up a bit. Have you had any pay rises, promotions? Yep. Bit of OT. Gotcha. So still doing the youth work. Yep. Okay. So 82 would be pretty close, and you're doing some contributions in there as well. While we're at it, did you want me to make sure that we sent you through one of those forms to claim your contributions again this year after June? Understanding as well. Right. Yep. So I'll flag that to go through. I'm just gonna quickly look back at the contributions here because are you paid on, like, a weekly frequency or is it fortnightly? Fortnightly. K. So I can see you're doing better. Just under 165 in personal contributions on top. And because of education, you're getting that matching program with work as well, which is really good. You've had a couple in April and a couple in May. So I'm just gonna go $4.20. Yeah. 85,000 is pretty much the mark. So what that really means, Tanya, is that the maximum cover you can have, which is 70% of that, is about $5,000 a month. You've actually got a tiny bit more insurance cover than than your maximum. You're a little bit over insured. K? That gives you two options really, is we can either try and get them to trim it down a little bit or you leave it there as a bit of a buffer for future kind of pay increases. Yeah. And normally, I would kind of jump at the opportunity to kind of trim the cost down a little bit. But if we do any future increases to the cover, you're pretty much gonna get some exclusions for anything preexisting through that increased cover, which you don't currently have. So what that means is if you have any kind of pre existing health conditions or things from the past that they exclude, Let's say you've you've had a knee reconstruction and you get a knee exclusion. Well, anything we increase from this point, you can't claim on that knee, but the existing policy is perfectly fine. Do you know what I mean? Yeah. K. So what I wanted to gauge from you is waiting period wise, thirty day is is pretty standard. Sometimes people push it out to sixty and ninety days to make it a bit cheaper if they've got lots of savings. Fourteen days is the shortest, but it's also the most expensive. Do you feel like you can kind of make do for a few weeks before the the payments start taking you? Yeah. Because what that's perfect. Because what'll happen is once you hit day 30, you launch your claim straight away. It may take three to four weeks for it to process, and then they start back paying you from that day 30. So you kinda need that six weeks buffer. Perfect. Can I just quickly ask? You were going through a, like, separation last year, and there was a few notes on assets being sold down. Did that end up happening as well? Okay. So I'm gonna run through what we've got, and then you let me know what's missing. Is that okay? Cool. So we've got the Toyota Prado. Still got that one. The Caravan. Yep. Cool. There was a Land Cruiser and a Ute that was planned to be sold. Yep. Alrighty. So I'll cut those off. You got the caravan and the product. That's great. You had about 4,000 in savings at the time. Just wondering what your your emergency buffer's at. Yep. K. 400 in the term deposit, and my interest savings is accessible for the 50. K. So that was the property that was sold. I'm gonna just quickly chop that one off as well. And did you not have any changes too? I just wanted to check address as well. We've got Rose Hill Drive. Is that still correct? Yeah. K. Alright. Can I just quickly grab an updated address as well? Was it Burpengary East? And yep. That's in the same suburb. Cool. And are you just renting there? You didn't purchase because, obviously, you've still got the cash there. Yep. Perfect. I I hope that they're not charging you too much and you can get a bit of savings built up. Yeah. Well, hopefully, that happens a bit soon with all the changes and gives you a little bit of an opportunity. That'd be nice. I'm just gonna update the goals there that we're saving, just building up that deposit. Oh, have you kind of picked out how much you can afford for a house that you're aiming for? Yeah. That'd be a dream. And a 100,000 would be nice. Could we outside port? I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date. We've got your Gmail address. Your phone number hasn't changed, and your address was updated. That all looks pretty good as well. K. Now, Daniel, when it comes to the other two insurances, the life and the PPD, with those lump sums, most of the time, they're kind of there to cover paying off, like, mortgage and things like that as well and also lost income. So let's say that you're there and let's say your your TPD, if you can ever work again, you kinda need that income replacement long term up until retirement. Let's say beyond that two years for the income protection. What I'm sort of thinking at the moment is that if we don't have the large liability, do you have any other loans or anything that you've got in rate per month? K. Because you've got all the cash sitting there. You've got the insurance. You've got the super on top. Do you need anything more in terms of life insurance, total disability insurance, or do you feel like it's pretty close to the mark? And what we can kinda do I'm just having a look at your balance here. Remove an updated balance on the super. If you've got 400,000 worth of cover and just shy of 200,000 in super, you only really have, like, a future gap of a couple of $100 for your lump sum covers when you do get that mortgage. Would you prefer for me to kind of just, like, leave those two cover levels the same until you get that liability. Now I'm just looking at the premiums because it is 171 a month. You get 15% rebate, which drops it on the $2, which is good. But if I just increase everything willy nilly and you're paying another 500, another thousand dollars, that's kind of coming out of your super slowing it down when you don't need to cover yet, if that makes sense. Yeah. Yeah. So that might be something to add on, and that makes it really simple too. Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell. Yep. So what pretty much came at the back of that is that they were waiting for the ablation surgery first before before they would offer cover. And then when you do an application, they would do all of the doctor's reports and checks and make a decision off the back of that. So the clean base that you've got is the 400,000 that we transferred to Hub. You can keep that as your baseline. And if you need to do a bit of a top up of a couple of $100 after that when you get the mortgage, we can then do a bit of underwriting, some quotes, and an application for a top up down the line, but always keep the base there if that makes sense. How does that sound for you? Yep. I'm not really one in the business which is getting unnecessary insurances for the sake of it. But what you've got, we do. And you pay enough for the premiums already, and your cover's still pretty like, it's still pretty good. If something happens for those two main events, you're pretty much gonna have a claim, no problem. Even the income protection, as long as the doctor says, hey. You're off work for three months, six months, whatever it is, they will just kick in and start paying those monthly repayments. They don't these days, they're not trying to fight tooth and nail to prevent all the claims. It's only for nondisclosure, which you won't have a problem with. K. So I'm thinking a bit of a buffer to tap up the life and TBD down the line. The income protection, I'm gonna put a flag on because a thirty day waiting period and a two year benefit is fantastic because it fantastic because it kicks in quickly, and it covers you for the short to medium term. But if you keep that higher cover amount and your income doesn't creep up, at some point, we probably just have to trim that back in. Okay. Fantastic. Love to hear it. Alright. Last thing when it comes to insurances, do you recall what trauma insurance was for? Correct. Like a traumatic diagnosis. So think of, like, life insurance you pass away, PPD is permanent, income protection is temporary incapacity, And trauma is like, you may even go back to work the next day, but you've just had a stroke. You've just had a heart attack. You've just been diagnosed with cancer. These are serious illnesses, but they haven't instantly caused one of those three, I guess, disablement, if that makes sense. Now that is something that we could add on. That's the fourth type of cover, the one that you don't have. But the two caveats with it is, yes, you get a lump sum, maybe a $100,000, but you have to pay for it out of pocket, can't go through your super. And it's all linked to things like heart conditions, cancer, blood, nervous systems, which you've got a bit of a history with as well. So my, I guess, my professional judgment there is that there's probably a 65 to 70% chance that they wouldn't offer that type of cover. And then if we got a quote for it, it could be upwards of 80 to $200 a month out of pocket. Yeah. That's okay. I had to ask the question and double check because I can waive some magic and get something through. But if you prefer to have that life CBD income protection through Super, we can just keep it like that. Cool. Outside of that, Tanya, just to finish off a couple of things with the review, we had your beneficiaries updated. And I'm just having a look here. Caitlin and Madison are listed 5050. Cool. That's okay to leave as is. Amazing. And I'm just having a quick look at the previous goals as well. Now most everything was just hinging on settling into your new lifestyle. Obviously, you're trying to build up the deposit for the house. We've got the insurance cover, the super, and then obviously retiring debt free. And I find you how you listed at around about $8.65 for retirement. There's still another twenty one years. A lot of time to grow it, a bit more time to protect it in those last few years. Is there anything else on the go for you the next few years that's really important? Yep. Just get back in the property ladder, throw everything, and yeah. Like that's uh-uh. There was a flag from Kyle that you had a will in place that you were needing to update it at the time. And I'm wondering if after everything you yep. All sorted? Oh, yes. Okay. Okay. Will. That would be handy. And it says that we did have, like, a power of attorney in place. So, like, if you're in hospital, someone can act on your behalf. Does that ring a bell? K. Alright. Now if you're gonna update your will, I know you can do powers of attorney through the solicitors and the public trustee as well. But if you really need to, $25 power of attorney kit from the post office is government approved, and it's pretty much if I'm in hospital and can't act, who can access the bank accounts, who can talk to the doctors, and someone, you know, trusted to act on your behalf when you can't act. It's much easier than than complex will, if that makes sense. K. Last thing I wanted to go over with you was just have you been checking how the super has been going? Oh, yep. Perfect. So you've probably seen a few things going up and down over the last few months given the news. Yeah. If I give you a bit of a tip for that one, Tanya, the the website is actually better than the app. Yeah. So if you go on, like, a computer or the website on your phone, it's a bit easier to scroll through, generate reports, and things like that on the website than it is with the app. They're building a bit more engagement tools soon, which I can see them on my end. And if I was having you in front of us in the office, it would look very fancy on a projector screen, but they haven't actually filtered that through to the app yet. So the website is definitely the way to go. Absolutely. And I'm just looking through an in-depth report here as well, which I'm gonna shoot through to you. We've got all your investment options here. Do you remember that you're in that kind of recorded growth risk profile? Kinda like a four out of five on the risk scale. Does that ring a bell? Yep. So four out of five on the risk scale still primarily focused on obviously growth because you need at least eight to nine years to be in a growth risk profile. But it sounds to me that you're not the type to wanna jump into the high risk side of it. Yeah. So if we can keep on getting that eight to 9% average return, what tends to happen with growth is it may go up five, ten, 20% in the good years. And then once every seven years, there's gonna be a COVID GSE whatever event, and it may drop down ten to twenty percent. And then if we can average out at nine or above over that entire period, you're pretty well off track if that makes sense. Now from what I can see here, you've cleared about eight and a half to nine and a half percent return after fee. So even with the market dropping, you're still quite positive and growing quite well. So twelve months ago, you were sitting at a 153,000. You're now just shy of a 183,000 when you combine your growth plus your contributions. K? The only thing I would probably put a bit of a flag on one of your investment options because we put eight of them together to build your portfolio. Like, there's some different shares, property, gold, like, all these different options invest in all these different areas. Seven of them have done amazing. Your Australian shares have kind of dropped a little bit, and I'm gonna keep a bit of an eye on that one because if that doesn't pick back up, I might need to replace it with another option. K? So if you're comfortable with how that's going, are you okay for me to possibly catch up with you instead of the usual twelve month review? I was gonna maybe catch up with you before Christmas time just to double check that with you. Yep. That would be good. That way, if I need to give the old portfolio an engine, sure enough, I can. And let's say the property market's dropped and you've gotten a property then, we can maybe chop up the life and CBD there, and we can kind of diverge at one time. Cool. We've covered a few different areas so far, Penny. Do you have any questions for me at the moment? Okay. So the main thing that we'll do is if you're comfortable, we'll send you through that notice of intent to claim form for your contributions again at the end of financial year. And then you just need to make sure that we get that submitted and an acceptance letter before you do your tax. So because, again, if you do the other way around, if you submit the tax return quickly by accident and forget to claim it, you you'll cut off the claim. K? So we will reach out to you, but if you get a a phone call, text message, email from us around the end of June, first week of July, that's where it would be for. Cool. Now, Tanya, because we kind of combine the annual review together as well, I'm basically just going to get you a refreshed service agreement and annual review pack sent out, which will kind of include, like, if you're comfortable with us looking out for the super, it'll reset your review date for twelve months from now with a six month catch up in between, and it'll have your performance report, your insurances, financial services guide with our license details, all of that in the pack together. K? So just so you know what that will have, we've got 1.65% for the service fees, and that's split into those monthly repayments throughout the year. And then the Superfund gets its 15% rebate off of that. Tanya, have you ever used our Odoo system before since we switched over from the old DocuSign to Odoo? Okay. So when I get that sent through, which I'll probably get through to you tonight, it'll have all your attachments at the bottom, like PDF email attachments for all of your pack. There'll be a bit of a purple button to sign the service agreement if you're comfortable with the services, and it'll basically let you scroll through the document first. And then when you're comfortable, the buttons will bring you to the signature spot. Okay? At the end of that, the last button will give you, like, save the documents so you've got your own signed copy for your records as well. Sensational. Alright. Any questions for me before I let you go for the evening? No worries at all, Tanya. I really appreciate you taking the time today. And, again, just keep an ear out for from us towards the end of next month. And then later on in the year, I'll catch up with you again for those portfolio updates. Have a lovely day. Thank you so much. 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afternoon, Tanya. It's Tommy here, senior adviser from. How are you going? Mhmm. I'm doing absolutely fantastic.\n\nIt's a little bit chilly here, and we're trialing a bit of work from home with the fuel crisis, It's a bit interesting. What about your end? Good to hear. Good to hear. Now I was just giving you a call to go through a bit of an insurance review with you if you still had time.\n\nPerfect. Now before I jump into that, I'm just gonna go through a quick security check with you. Do you recall your overview password? That's the one. And are you okay for the call to be recorded?\n\nAnd sensational. So, Tanya, what I've got open today, I want to ask you a couple of quick questions because I've gone through your entire history with all the different medical procedures and checks and underwriting that we've done. And I'm just having a look at your current cover and kind of comparing it against what I can see is your your previous situation. So I wanted to kind of start there, update your details, and sort of see what your options are, if that's okay. Cool.\n\nNow in terms of just this meeting in itself, you're getting a bit closer to your annual review date. So I was wanting to know if you wanted me to kind of combine in a bit of a discussion around your super as well and combine those two today or if you were a bit short on time. Yep. Perfect. Now one thing that I really need to start with, because that's gonna guide us quite well, is I'll quickly let you know what coverage you've got, but I need to update your assets and liabilities if that's alright too.\n\nPerfect. So I'll do a quick recap. We transferred across your original insurance policy. So it's come across into Hub twenty four. That's how we got it consolidated in the first bid.\n\nDoes that ring a bell? Yep. Now you've got just short of 4 $100,000 worth of life insurance and total disability. So those are your lump sums. If you pass away, can never work again.\n\nThere's 400,000 plus your super on top. The other thing too is you've got your income protection. So if you remember that one is kind of like if you're temporarily out of work, you get about 5,500 a month for up to two years. So it covers you kinda like short to medium term, and you have a waiting period of thirty days. So anything that you're out of work for for more than thirty days, you can then launch a claim.\n\nK? So a few things. When it comes to income protection, you can do a maximum of 70% of your income. And I last had you listed at about 82,000, but I was noting the contributions creeping up a bit. Have you had any pay rises, promotions?\n\nYep. Bit of OT. Gotcha. So still doing the youth work. Yep.\n\nOkay. So 82 would be pretty close, and you're doing some contributions in there as well. While we're at it, did you want me to make sure that we sent you through one of those forms to claim your contributions again this year after June? Understanding as well. Right.\n\nYep. So I'll flag that to go through. I'm just gonna quickly look back at the contributions here because are you paid on, like, a weekly frequency or is it fortnightly? Fortnightly. K.\n\nSo I can see you're doing better. Just under 165 in personal contributions on top. And because of education, you're getting that matching program with work as well, which is really good. You've had a couple in April and a couple in May. So I'm just gonna go $4.20.\n\nYeah. 85,000 is pretty much the mark. So what that really means, Tanya, is that the maximum cover you can have, which is 70% of that, is about $5,000 a month. You've actually got a tiny bit more insurance cover than than your maximum. You're a little bit over insured.\n\nK? That gives you two options really, is we can either try and get them to trim it down a little bit or you leave it there as a bit of a buffer for future kind of pay increases. Yeah. And normally, I would kind of jump at the opportunity to kind of trim the cost down a little bit. But if we do any future increases to the cover, you're pretty much gonna get some exclusions for anything preexisting through that increased cover, which you don't currently have.\n\nSo what that means is if you have any kind of pre existing health conditions or things from the past that they exclude, Let's say you've you've had a knee reconstruction and you get a knee exclusion. Well, anything we increase from this point, you can't claim on that knee, but the existing policy is perfectly fine. Do you know what I mean? Yeah. K.\n\nSo what I wanted to gauge from you is waiting period wise, thirty day is is pretty standard. Sometimes people push it out to sixty and ninety days to make it a bit cheaper if they've got lots of savings. Fourteen days is the shortest, but it's also the most expensive. Do you feel like you can kind of make do for a few weeks before the the payments start taking you? Yeah.\n\nBecause what that's perfect. Because what'll happen is once you hit day 30, you launch your claim straight away. It may take three to four weeks for it to process, and then they start back paying you from that day 30. So you kinda need that six weeks buffer. Perfect.\n\nCan I just quickly ask? You were going through a, like, separation last year, and there was a few notes on assets being sold down. Did that end up happening as well? Okay. So I'm gonna run through what we've got, and then you let me know what's missing.\n\nIs that okay? Cool. So we've got the Toyota Prado. Still got that one. The Caravan.\n\nYep. Cool. There was a Land Cruiser and a Ute that was planned to be sold. Yep. Alrighty.\n\nSo I'll cut those off. You got the caravan and the product. That's great. You had about 4,000 in savings at the time. Just wondering what your your emergency buffer's at.\n\nYep. K. 400 in the term deposit, and my interest savings is accessible for the 50. K. So that was the property that was sold.\n\nI'm gonna just quickly chop that one off as well. And did you not have any changes too? I just wanted to check address as well. We've got Rose Hill Drive. Is that still correct?\n\nYeah. K. Alright. Can I just quickly grab an updated address as well? Was it Burpengary East?\n\nAnd yep. That's in the same suburb. Cool. And are you just renting there? You didn't purchase because, obviously, you've still got the cash there.\n\nYep. Perfect. I I hope that they're not charging you too much and you can get a bit of savings built up. Yeah. Well, hopefully, that happens a bit soon with all the changes and gives you a little bit of an opportunity.\n\nThat'd be nice. I'm just gonna update the goals there that we're saving, just building up that deposit. Oh, have you kind of picked out how much you can afford for a house that you're aiming for? Yeah. That'd be a dream.\n\nAnd a 100,000 would be nice. Could we outside port? I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date. We've got your Gmail address. Your phone number hasn't changed, and your address was updated.\n\nThat all looks pretty good as well. K. Now, Daniel, when it comes to the other two insurances, the life and the PPD, with those lump sums, most of the time, they're kind of there to cover paying off, like, mortgage and things like that as well and also lost income. So let's say that you're there and let's say your your TPD, if you can ever work again, you kinda need that income replacement long term up until retirement. Let's say beyond that two years for the income protection.\n\nWhat I'm sort of thinking at the moment is that if we don't have the large liability, do you have any other loans or anything that you've got in rate per month? K. Because you've got all the cash sitting there. You've got the insurance. You've got the super on top.\n\nDo you need anything more in terms of life insurance, total disability insurance, or do you feel like it's pretty close to the mark? And what we can kinda do I'm just having a look at your balance here. Remove an updated balance on the super. If you've got 400,000 worth of cover and just shy of 200,000 in super, you only really have, like, a future gap of a couple of $100 for your lump sum covers when you do get that mortgage. Would you prefer for me to kind of just, like, leave those two cover levels the same until you get that liability.\n\nNow I'm just looking at the premiums because it is 171 a month. You get 15% rebate, which drops it on the $2, which is good. But if I just increase everything willy nilly and you're paying another 500, another thousand dollars, that's kind of coming out of your super slowing it down when you don't need to cover yet, if that makes sense. Yeah. Yeah.\n\nSo that might be something to add on, and that makes it really simple too. Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell. Yep. So what pretty much came at the back of that is that they were waiting for the ablation surgery first before before they would offer cover. And then when you do an application, they would do all of the doctor's reports and checks and make a decision off the back of that.\n\nSo the clean base that you've got is the 400,000 that we transferred to Hub. You can keep that as your baseline. And if you need to do a bit of a top up of a couple of $100 after that when you get the mortgage, we can then do a bit of underwriting, some quotes, and an application for a top up down the line, but always keep the base there if that makes sense. How does that sound for you? Yep.\n\nI'm not really one in the business which is getting unnecessary insurances for the sake of it. But what you've got, we do. And you pay enough for the premiums already, and your cover's still pretty like, it's still pretty good. If something happens for those two main events, you're pretty much gonna have a claim, no problem. Even the income protection, as long as the doctor says, hey.\n\nYou're off work for three months, six months, whatever it is, they will just kick in and start paying those monthly repayments. They don't these days, they're not trying to fight tooth and nail to prevent all the claims. It's only for nondisclosure, which you won't have a problem with. K. So I'm thinking a bit of a buffer to tap up the life and TBD down the line.\n\nThe income protection, I'm gonna put a flag on because a thirty day waiting period and a two year benefit is fantastic because it fantastic because it kicks in quickly, and it covers you for the short to medium term. But if you keep that higher cover amount and your income doesn't creep up, at some point, we probably just have to trim that back in. Okay. Fantastic. Love to hear it.\n\nAlright. Last thing when it comes to insurances, do you recall what trauma insurance was for? Correct. Like a traumatic diagnosis. So think of, like, life insurance you pass away, PPD is permanent, income protection is temporary incapacity, And trauma is like, you may even go back to work the next day, but you've just had a stroke.\n\nYou've just had a heart attack. You've just been diagnosed with cancer. These are serious illnesses, but they haven't instantly caused one of those three, I guess, disablement, if that makes sense. Now that is something that we could add on. That's the fourth type of cover, the one that you don't have.\n\nBut the two caveats with it is, yes, you get a lump sum, maybe a $100,000, but you have to pay for it out of pocket, can't go through your super. And it's all linked to things like heart conditions, cancer, blood, nervous systems, which you've got a bit of a history with as well. So my, I guess, my professional judgment there is that there's probably a 65 to 70% chance that they wouldn't offer that type of cover. And then if we got a quote for it, it could be upwards of 80 to $200 a month out of pocket. Yeah.\n\nThat's okay. I had to ask the question and double check because I can waive some magic and get something through. But if you prefer to have that life CBD income protection through Super, we can just keep it like that. Cool. Outside of that, Tanya, just to finish off a couple of things with the review, we had your beneficiaries updated.\n\nAnd I'm just having a look here. Caitlin and Madison are listed 5050. Cool. That's okay to leave as is. Amazing.\n\nAnd I'm just having a quick look at the previous goals as well. Now most everything was just hinging on settling into your new lifestyle. Obviously, you're trying to build up the deposit for the house. We've got the insurance cover, the super, and then obviously retiring debt free. And I find you how you listed at around about $8.65 for retirement.\n\nThere's still another twenty one years. A lot of time to grow it, a bit more time to protect it in those last few years. Is there anything else on the go for you the next few years that's really important? Yep. Just get back in the property ladder, throw everything, and yeah.\n\nLike that's uh-uh. There was a flag from Kyle that you had a will in place that you were needing to update it at the time. And I'm wondering if after everything you yep. All sorted? Oh, yes.\n\nOkay. Okay. Will. That would be handy. And it says that we did have, like, a power of attorney in place.\n\nSo, like, if you're in hospital, someone can act on your behalf. Does that ring a bell? K. Alright. Now if you're gonna update your will, I know you can do powers of attorney through the solicitors and the public trustee as well.\n\nBut if you really need to, $25 power of attorney kit from the post office is government approved, and it's pretty much if I'm in hospital and can't act, who can access the bank accounts, who can talk to the doctors, and someone, you know, trusted to act on your behalf when you can't act. It's much easier than than complex will, if that makes sense. K. Last thing I wanted to go over with you was just have you been checking how the super has been going? Oh, yep.\n\nPerfect. So you've probably seen a few things going up and down over the last few months given the news. Yeah. If I give you a bit of a tip for that one, Tanya, the the website is actually better than the app. Yeah.\n\nSo if you go on, like, a computer or the website on your phone, it's a bit easier to scroll through, generate reports, and things like that on the website than it is with the app. They're building a bit more engagement tools soon, which I can see them on my end. And if I was having you in front of us in the office, it would look very fancy on a projector screen, but they haven't actually filtered that through to the app yet. So the website is definitely the way to go. Absolutely.\n\nAnd I'm just looking through an in-depth report here as well, which I'm gonna shoot through to you. We've got all your investment options here. Do you remember that you're in that kind of recorded growth risk profile? Kinda like a four out of five on the risk scale. Does that ring a bell?\n\nYep. So four out of five on the risk scale still primarily focused on obviously growth because you need at least eight to nine years to be in a growth risk profile. But it sounds to me that you're not the type to wanna jump into the high risk side of it. Yeah. So if we can keep on getting that eight to 9% average return, what tends to happen with growth is it may go up five, ten, 20% in the good years.\n\nAnd then once every seven years, there's gonna be a COVID GSE whatever event, and it may drop down ten to twenty percent. And then if we can average out at nine or above over that entire period, you're pretty well off track if that makes sense. Now from what I can see here, you've cleared about eight and a half to nine and a half percent return after fee. So even with the market dropping, you're still quite positive and growing quite well. So twelve months ago, you were sitting at a 153,000.\n\nYou're now just shy of a 183,000 when you combine your growth plus your contributions. K? The only thing I would probably put a bit of a flag on one of your investment options because we put eight of them together to build your portfolio. Like, there's some different shares, property, gold, like, all these different options invest in all these different areas. Seven of them have done amazing.\n\nYour Australian shares have kind of dropped a little bit, and I'm gonna keep a bit of an eye on that one because if that doesn't pick back up, I might need to replace it with another option. K? So if you're comfortable with how that's going, are you okay for me to possibly catch up with you instead of the usual twelve month review? I was gonna maybe catch up with you before Christmas time just to double check that with you. Yep.\n\nThat would be good. That way, if I need to give the old portfolio an engine, sure enough, I can. And let's say the property market's dropped and you've gotten a property then, we can maybe chop up the life and CBD there, and we can kind of diverge at one time. Cool. We've covered a few different areas so far, Penny.\n\nDo you have any questions for me at the moment? Okay. So the main thing that we'll do is if you're comfortable, we'll send you through that notice of intent to claim form for your contributions again at the end of financial year. And then you just need to make sure that we get that submitted and an acceptance letter before you do your tax. So because, again, if you do the other way around, if you submit the tax return quickly by accident and forget to claim it, you you'll cut off the claim.\n\nK? So we will reach out to you, but if you get a a phone call, text message, email from us around the end of June, first week of July, that's where it would be for. Cool. Now, Tanya, because we kind of combine the annual review together as well, I'm basically just going to get you a refreshed service agreement and annual review pack sent out, which will kind of include, like, if you're comfortable with us looking out for the super, it'll reset your review date for twelve months from now with a six month catch up in between, and it'll have your performance report, your insurances, financial services guide with our license details, all of that in the pack together. K?\n\nSo just so you know what that will have, we've got 1.65% for the service fees, and that's split into those monthly repayments throughout the year. And then the Superfund gets its 15% rebate off of that. Tanya, have you ever used our Odoo system before since we switched over from the old DocuSign to Odoo? Okay. So when I get that sent through, which I'll probably get through to you tonight, it'll have all your attachments at the bottom, like PDF email attachments for all of your pack.\n\nThere'll be a bit of a purple button to sign the service agreement if you're comfortable with the services, and it'll basically let you scroll through the document first. And then when you're comfortable, the buttons will bring you to the signature spot. Okay? At the end of that, the last button will give you, like, save the documents so you've got your own signed copy for your records as well. Sensational.\n\nAlright. Any questions for me before I let you go for the evening? No worries at all, Tanya. I really appreciate you taking the time today. And, again, just keep an ear out for from us towards the end of next month.\n\nAnd then later on in the year, I'll catch up with you again for those portfolio updates. Have a lovely day. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tanya.","start":2.8799999,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.198622132341067},{"text":"It's Tommy here, senior adviser from.","start":3.9199998,"end":6.0,"sentiment":"neutral","sentiment_score":0.08071324850122134},{"text":"How are you going?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.13381324708461761},{"text":"Mhmm.","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.17593035101890564},{"text":"I'm doing absolutely fantastic.","start":8.72,"end":10.5,"sentiment":"positive","sentiment_score":0.6529243886470795}],"sentiment":"neutral","sentiment_score":0.24461259899867904,"num_words":18,"start":2.8799999,"end":10.5},{"sentences":[{"text":"It's a little bit chilly here, and we're trialing a bit of work from home with the fuel crisis, It's a bit interesting.","start":10.559999,"end":16.125,"sentiment":"neutral","sentiment_score":-0.10347238405729117},{"text":"What about your end?","start":16.345,"end":17.564999,"sentiment":"neutral","sentiment_score":-0.054967413656413555},{"text":"Good to hear.","start":22.105,"end":22.744999,"sentiment":"positive","sentiment_score":0.3507125476996104},{"text":"Good to hear.","start":22.744999,"end":23.305,"sentiment":"neutral","sentiment_score":0.28421557943026227},{"text":"Now I was just giving you a call to go through a bit of an insurance review with you if you still had time.","start":23.305,"end":28.605,"sentiment":"neutral","sentiment_score":0.06370438837135832}],"sentiment":"neutral","sentiment_score":0.014630793234366075,"num_words":57,"start":10.559999,"end":28.605},{"sentences":[{"text":"Perfect.","start":30.6,"end":31.0,"sentiment":"neutral","sentiment_score":0.32790806889533997},{"text":"Now before I jump into that, I'm just gonna go through a quick security check with you.","start":31.0,"end":34.62,"sentiment":"neutral","sentiment_score":0.10082221425631467},{"text":"Do you recall your overview password?","start":34.92,"end":37.5,"sentiment":"neutral","sentiment_score":0.02550671622157097},{"text":"That's the one.","start":39.56,"end":40.6,"sentiment":"neutral","sentiment_score":0.08680738508701324},{"text":"And are you okay for the call to be recorded?","start":40.6,"end":42.7,"sentiment":"neutral","sentiment_score":0.03719035275280476}],"sentiment":"neutral","sentiment_score":0.07641220787489736,"num_words":37,"start":30.6,"end":42.7},{"sentences":[{"text":"And sensational.","start":44.845,"end":45.665,"sentiment":"neutral","sentiment_score":0.3105333596467972},{"text":"So, Tanya, what I've got open today, I want to ask you a couple of quick questions because I've gone through your entire history with all the different medical procedures and checks and underwriting that we've done.","start":46.045002,"end":58.145,"sentiment":"neutral","sentiment_score":0.050018034472658825},{"text":"And I'm just having a look at your current cover and kind of comparing it against what I can see is your your previous situation.","start":58.440002,"end":67.58,"sentiment":"neutral","sentiment_score":0.034680797830224035},{"text":"So I wanted to kind of start there, update your details, and sort of see what your options are, if that's okay.","start":68.04,"end":74.605,"sentiment":"neutral","sentiment_score":0.04421946304765614},{"text":"Cool.","start":76.745,"end":77.065,"sentiment":"neutral","sentiment_score":0.2743966579437256}],"sentiment":"neutral","sentiment_score":0.05271239983367509,"num_words":87,"start":44.845,"end":77.065},{"sentences":[{"text":"Now in terms of just this meeting in itself, you're getting a bit closer to your annual review date.","start":77.065,"end":84.525,"sentiment":"neutral","sentiment_score":0.05346511559266793},{"text":"So I was wanting to know if you wanted me to kind of combine in a bit of a discussion around your super as well and combine those two today or if you were a bit short on time.","start":84.68,"end":93.74,"sentiment":"neutral","sentiment_score":0.04997123586825836},{"text":"Yep.","start":97.415,"end":97.814995,"sentiment":"neutral","sentiment_score":0.121069997549057},{"text":"Perfect.","start":97.814995,"end":98.314995,"sentiment":"neutral","sentiment_score":0.26711660623550415},{"text":"Now one thing that I really need to start with, because that's gonna guide us quite well, is I'll quickly let you know what coverage you've got, but I need to update your assets and liabilities if that's alright too.","start":98.774994,"end":110.155,"sentiment":"neutral","sentiment_score":0.06023342469707131}],"sentiment":"neutral","sentiment_score":0.0576223898679018,"num_words":100,"start":77.065,"end":110.155},{"sentences":[{"text":"Perfect.","start":112.08,"end":112.4,"sentiment":"neutral","sentiment_score":0.05784217268228531},{"text":"So I'll do a quick recap.","start":112.4,"end":114.18,"sentiment":"neutral","sentiment_score":0.04869181973238786},{"text":"We transferred across your original insurance policy.","start":114.32001,"end":117.86,"sentiment":"neutral","sentiment_score":0.039548992844564576},{"text":"So it's come across into Hub twenty four.","start":118.16,"end":120.240005,"sentiment":"neutral","sentiment_score":0.028424340998753905},{"text":"That's how we got it consolidated in the first bid.","start":120.240005,"end":122.880005,"sentiment":"neutral","sentiment_score":0.07742149233818055}],"sentiment":"neutral","sentiment_score":0.050888927886262536,"num_words":32,"start":112.08,"end":122.880005},{"sentences":[{"text":"Does that ring a bell?","start":122.880005,"end":124.100006,"sentiment":"neutral","sentiment_score":0.03454106263816357},{"text":"Yep.","start":125.645,"end":126.045,"sentiment":"neutral","sentiment_score":0.020208820700645447},{"text":"Now you've got just short of 4 $100,000 worth of life insurance and total disability.","start":126.045,"end":132.385,"sentiment":"neutral","sentiment_score":-0.10490692680080732},{"text":"So those are your lump sums.","start":132.845,"end":134.845,"sentiment":"neutral","sentiment_score":-0.06810301914811134},{"text":"If you pass away, can never work again.","start":134.845,"end":136.945,"sentiment":"neutral","sentiment_score":-0.29625699669122696}],"sentiment":"neutral","sentiment_score":-0.11883896732968943,"num_words":35,"start":122.880005,"end":136.945},{"sentences":[{"text":"There's 400,000 plus your super on top.","start":137.085,"end":140.01,"sentiment":"neutral","sentiment_score":0.015234972217253276},{"text":"The other thing too is you've got your income protection.","start":141.61,"end":144.51,"sentiment":"neutral","sentiment_score":0.050514810532331464},{"text":"So if you remember that one is kind of like if you're temporarily out of work, you get about 5,500 a month for up to two years.","start":144.89,"end":155.94499,"sentiment":"neutral","sentiment_score":0.0017985605669242368},{"text":"So it covers you kinda like short to medium term, and you have a waiting period of thirty days.","start":156.08499,"end":162.565,"sentiment":"neutral","sentiment_score":0.01537981835242949},{"text":"So anything that you're out of work for for more than thirty days, you can then launch a claim.","start":162.565,"end":167.22499,"sentiment":"neutral","sentiment_score":-0.0058157812607915775}],"sentiment":"neutral","sentiment_score":0.010269155498684906,"num_words":82,"start":137.085,"end":167.22499},{"sentences":[{"text":"K?","start":169.23,"end":169.73,"sentiment":"neutral","sentiment_score":0.023977147415280346},{"text":"So a few things.","start":169.87,"end":171.39,"sentiment":"neutral","sentiment_score":0.04432661272585392},{"text":"When it comes to income protection, you can do a maximum of 70% of your income.","start":171.39,"end":177.25,"sentiment":"neutral","sentiment_score":0.046121088322252035},{"text":"And I last had you listed at about 82,000, but I was noting the contributions creeping up a bit.","start":177.63,"end":184.52501,"sentiment":"neutral","sentiment_score":-0.019081964892776387},{"text":"Have you had any pay rises, promotions?","start":184.52501,"end":186.945,"sentiment":"neutral","sentiment_score":-0.02191843092441559}],"sentiment":"neutral","sentiment_score":0.009004992809384427,"num_words":47,"start":169.23,"end":186.945},{"sentences":[{"text":"Yep.","start":196.54001,"end":196.94,"sentiment":"neutral","sentiment_score":-0.017891133204102516},{"text":"Bit of OT.","start":196.94,"end":197.76,"sentiment":"neutral","sentiment_score":-0.052003469318151474},{"text":"Gotcha.","start":205.1,"end":205.6,"sentiment":"neutral","sentiment_score":0.006493747234344482},{"text":"So still doing the youth work.","start":206.06,"end":207.76,"sentiment":"neutral","sentiment_score":0.01639363169670105},{"text":"Yep.","start":209.38501,"end":209.865,"sentiment":"neutral","sentiment_score":0.07573242485523224}],"sentiment":"neutral","sentiment_score":0.0005572017592688402,"num_words":12,"start":196.54001,"end":209.865},{"sentences":[{"text":"Okay.","start":209.865,"end":210.345,"sentiment":"neutral","sentiment_score":0.08076278865337372},{"text":"So 82 would be pretty close, and you're doing some contributions in there as well.","start":210.345,"end":217.32501,"sentiment":"neutral","sentiment_score":0.05851439038912455},{"text":"While we're at it, did you want me to make sure that we sent you through one of those forms to claim your contributions again this year after June?","start":217.625,"end":222.68501,"sentiment":"neutral","sentiment_score":0.022745196418515568},{"text":"Understanding as well.","start":236.56,"end":237.93999,"sentiment":"neutral","sentiment_score":0.11559159805377324},{"text":"Right.","start":243.185,"end":243.505,"sentiment":"neutral","sentiment_score":0.12714190781116486}],"sentiment":"neutral","sentiment_score":0.04269400086938119,"num_words":49,"start":209.865,"end":243.505},{"sentences":[{"text":"Yep.","start":243.505,"end":243.825,"sentiment":"neutral","sentiment_score":0.11392270028591156},{"text":"So I'll flag that to go through.","start":243.825,"end":245.445,"sentiment":"neutral","sentiment_score":0.113052385193961},{"text":"I'm just gonna quickly look back at the contributions here because are you paid on, like, a weekly frequency or is it fortnightly?","start":245.585,"end":253.605,"sentiment":"neutral","sentiment_score":0.07187690488670183},{"text":"Fortnightly.","start":255.68,"end":256.18,"sentiment":"neutral","sentiment_score":0.03650139644742012},{"text":"K.","start":256.63998,"end":256.96,"sentiment":"neutral","sentiment_score":0.0208878330886364}],"sentiment":"neutral","sentiment_score":0.07926810419920718,"num_words":33,"start":243.505,"end":256.96},{"sentences":[{"text":"So I can see you're doing better.","start":256.96,"end":259.76,"sentiment":"positive","sentiment_score":0.6447286776133946},{"text":"Just under 165 in personal contributions on top.","start":259.76,"end":264.9,"sentiment":"positive","sentiment_score":0.5921504721045494},{"text":"And because of education, you're getting that matching program with work as well, which is really good.","start":264.96,"end":272.58502,"sentiment":"positive","sentiment_score":0.7137422175968394},{"text":"You've had a couple in April and a couple in May.","start":272.58502,"end":276.98502,"sentiment":"positive","sentiment_score":0.34047286347909406},{"text":"So I'm just gonna go $4.20.","start":276.98502,"end":279.325,"sentiment":"neutral","sentiment_score":0.2711236948768298}],"sentiment":"positive","sentiment_score":0.5460380793226008,"num_words":49,"start":256.96,"end":279.325},{"sentences":[{"text":"Yeah.","start":283.76,"end":284.16,"sentiment":"neutral","sentiment_score":0.21004949510097504},{"text":"85,000 is pretty much the mark.","start":284.16,"end":286.5,"sentiment":"neutral","sentiment_score":0.2729869882265727},{"text":"So what that really means, Tanya, is that the maximum cover you can have, which is 70% of that, is about $5,000 a month.","start":288.56,"end":299.005,"sentiment":"neutral","sentiment_score":0.06317481709023316},{"text":"You've actually got a tiny bit more insurance cover than than your maximum.","start":299.005,"end":303.405,"sentiment":"neutral","sentiment_score":0.05643941476367987},{"text":"You're a little bit over insured.","start":303.405,"end":304.945,"sentiment":"neutral","sentiment_score":-0.010715185975035032}],"sentiment":"neutral","sentiment_score":0.08067176621407271,"num_words":50,"start":283.76,"end":304.945},{"sentences":[{"text":"K?","start":307.165,"end":307.64502,"sentiment":"neutral","sentiment_score":0.015332895331084728},{"text":"That gives you two options really, is we can either try and get them to trim it down a little bit or you leave it there as a bit of a buffer for future kind of pay increases.","start":307.64502,"end":317.63,"sentiment":"neutral","sentiment_score":0.025181411275346028},{"text":"Yeah.","start":323.655,"end":323.89502,"sentiment":"neutral","sentiment_score":0.02432459220290184},{"text":"And normally, I would kind of jump at the opportunity to kind of trim the cost down a little bit.","start":323.89502,"end":328.555,"sentiment":"neutral","sentiment_score":0.02028332417830825},{"text":"But if we do any future increases to the cover, you're pretty much gonna get some exclusions for anything preexisting through that increased cover, which you don't currently have.","start":328.775,"end":340.65,"sentiment":"neutral","sentiment_score":-0.10682420175651024}],"sentiment":"neutral","sentiment_score":-0.019052632037926925,"num_words":89,"start":307.165,"end":340.65},{"sentences":[{"text":"So what that means is if you have any kind of pre existing health conditions or things from the past that they exclude, Let's say you've you've had a knee reconstruction and you get a knee exclusion.","start":342.87,"end":352.785,"sentiment":"neutral","sentiment_score":-0.028161998208914255},{"text":"Well, anything we increase from this point, you can't claim on that knee, but the existing policy is perfectly fine.","start":353.165,"end":360.225,"sentiment":"neutral","sentiment_score":0.03674753690138459},{"text":"Do you know what I mean?","start":360.285,"end":361.425,"sentiment":"neutral","sentiment_score":-0.0012606708332896233},{"text":"Yeah.","start":363.92,"end":364.42,"sentiment":"neutral","sentiment_score":0.031498800963163376},{"text":"K.","start":364.64,"end":365.14,"sentiment":"neutral","sentiment_score":0.02287557907402515}],"sentiment":"neutral","sentiment_score":-0.004003582164072073,"num_words":65,"start":342.87,"end":365.14},{"sentences":[{"text":"So what I wanted to gauge from you is waiting period wise, thirty day is is pretty standard.","start":365.28,"end":372.26,"sentiment":"neutral","sentiment_score":0.04045536927878857},{"text":"Sometimes people push it out to sixty and ninety days to make it a bit cheaper if they've got lots of savings.","start":372.4,"end":377.655,"sentiment":"neutral","sentiment_score":0.05140545828775926},{"text":"Fourteen days is the shortest, but it's also the most expensive.","start":379.235,"end":382.455,"sentiment":"neutral","sentiment_score":-0.22083451395685022},{"text":"Do you feel like you can kind of make do for a few weeks before the the payments start taking you?","start":383.395,"end":389.7,"sentiment":"neutral","sentiment_score":-0.0012165003766616185},{"text":"Yeah.","start":401.7,"end":402.1,"sentiment":"neutral","sentiment_score":-0.010700820945203304}],"sentiment":"neutral","sentiment_score":-0.008305619904541806,"num_words":73,"start":365.28,"end":402.1},{"sentences":[{"text":"Because what that's perfect.","start":402.1,"end":403.46002,"sentiment":"positive","sentiment_score":0.629364587366581},{"text":"Because what'll happen is once you hit day 30, you launch your claim straight away.","start":403.46002,"end":407.985,"sentiment":"positive","sentiment_score":0.3957849343617757},{"text":"It may take three to four weeks for it to process, and then they start back paying you from that day 30.","start":407.985,"end":414.325,"sentiment":"neutral","sentiment_score":0.21241545270789752},{"text":"So you kinda need that six weeks buffer.","start":414.625,"end":417.205,"sentiment":"neutral","sentiment_score":0.1402670070528984},{"text":"Perfect.","start":419.84,"end":420.24,"sentiment":"positive","sentiment_score":0.4895438849925995}],"sentiment":"neutral","sentiment_score":0.2947810453176498,"num_words":50,"start":402.1,"end":420.24},{"sentences":[{"text":"Can I just quickly ask?","start":420.24,"end":422.0,"sentiment":"neutral","sentiment_score":0.17539176046848298},{"text":"You were going through a, like, separation last year, and there was a few notes on assets being sold down.","start":422.0,"end":429.37997,"sentiment":"neutral","sentiment_score":-0.03773641218431294},{"text":"Did that end up happening as well?","start":429.68,"end":431.53998,"sentiment":"neutral","sentiment_score":-0.05540207334394966},{"text":"Okay.","start":433.355,"end":433.755,"sentiment":"neutral","sentiment_score":0.0029071299359202385},{"text":"So I'm gonna run through what we've got, and then you let me know what's missing.","start":433.755,"end":437.035,"sentiment":"neutral","sentiment_score":-0.0043067686492577195}],"sentiment":"neutral","sentiment_score":-0.0067670433306876495,"num_words":49,"start":420.24,"end":437.035},{"sentences":[{"text":"Is that okay?","start":437.035,"end":437.775,"sentiment":"neutral","sentiment_score":0.01255315231780211},{"text":"Cool.","start":439.515,"end":439.915,"sentiment":"neutral","sentiment_score":0.1423710584640503},{"text":"So we've got the Toyota Prado.","start":439.915,"end":442.735,"sentiment":"neutral","sentiment_score":0.08454450095693271},{"text":"Still got that one.","start":445.05,"end":446.11,"sentiment":"neutral","sentiment_score":0.06861321534961462},{"text":"The Caravan.","start":446.16998,"end":446.90997,"sentiment":"neutral","sentiment_score":0.0697716511785984}],"sentiment":"neutral","sentiment_score":0.06883085530716926,"num_words":16,"start":437.035,"end":446.90997},{"sentences":[{"text":"Yep.","start":448.81,"end":449.31,"sentiment":"neutral","sentiment_score":0.07981059700250626},{"text":"Cool.","start":449.53,"end":450.00998,"sentiment":"neutral","sentiment_score":0.1138119250535965},{"text":"There was a Land Cruiser and a Ute that was planned to be sold.","start":450.00998,"end":454.11,"sentiment":"neutral","sentiment_score":-0.028006734126912698},{"text":"Yep.","start":456.425,"end":456.825,"sentiment":"neutral","sentiment_score":0.01947808265686035},{"text":"Alrighty.","start":456.825,"end":457.325,"sentiment":"neutral","sentiment_score":0.05502287298440933}],"sentiment":"neutral","sentiment_score":-0.006887266671078073,"num_words":18,"start":448.81,"end":457.325},{"sentences":[{"text":"So I'll cut those off.","start":457.465,"end":458.905,"sentiment":"neutral","sentiment_score":0.01260194107890129},{"text":"You got the caravan and the product.","start":458.905,"end":460.585,"sentiment":"neutral","sentiment_score":0.28438412504536764},{"text":"That's great.","start":460.585,"end":461.325,"sentiment":"positive","sentiment_score":0.6195605099201202},{"text":"You had about 4,000 in savings at the time.","start":461.385,"end":464.345,"sentiment":"neutral","sentiment_score":0.18927227954069772},{"text":"Just wondering what your your emergency buffer's at.","start":464.345,"end":467.325,"sentiment":"neutral","sentiment_score":0.053602342028170824}],"sentiment":"neutral","sentiment_score":0.1750028662143215,"num_words":31,"start":457.465,"end":467.325},{"sentences":[{"text":"Yep.","start":480.855,"end":481.355,"sentiment":"neutral","sentiment_score":0.056399501860141754},{"text":"K.","start":482.135,"end":482.635,"sentiment":"neutral","sentiment_score":0.04110436141490936},{"text":"400 in the term deposit, and my interest savings is accessible for the 50.","start":482.695,"end":491.115,"sentiment":"neutral","sentiment_score":0.045539616740175655},{"text":"K.","start":495.21,"end":495.69,"sentiment":"neutral","sentiment_score":0.010373862460255625},{"text":"So that was the property that was sold.","start":495.69,"end":497.77002,"sentiment":"neutral","sentiment_score":-0.006956863682717085}],"sentiment":"neutral","sentiment_score":0.02759109802544117,"num_words":25,"start":480.855,"end":497.77002},{"sentences":[{"text":"I'm gonna just quickly chop that one off as well.","start":497.77002,"end":500.51,"sentiment":"neutral","sentiment_score":0.004399869102053344},{"text":"And did you not have any changes too?","start":500.81,"end":503.95,"sentiment":"neutral","sentiment_score":-0.019298084313049912},{"text":"I just wanted to check address as well.","start":504.57,"end":506.75,"sentiment":"neutral","sentiment_score":-0.00751462415792048},{"text":"We've got Rose Hill Drive.","start":506.895,"end":513.935,"sentiment":"neutral","sentiment_score":0.0061315278289839625},{"text":"Is that still correct?","start":513.935,"end":515.075,"sentiment":"neutral","sentiment_score":-0.000789040699601173}],"sentiment":"neutral","sentiment_score":-0.004085757154306131,"num_words":35,"start":497.77002,"end":515.075},{"sentences":[{"text":"Yeah.","start":518.015,"end":518.515,"sentiment":"neutral","sentiment_score":-0.02698902040719986},{"text":"K.","start":518.575,"end":519.075,"sentiment":"neutral","sentiment_score":-0.026000838726758957},{"text":"Alright.","start":520.01996,"end":520.5,"sentiment":"neutral","sentiment_score":0.013161048293113708},{"text":"Can I just quickly grab an updated address as well?","start":520.5,"end":523.39996,"sentiment":"neutral","sentiment_score":0.01695280084386468},{"text":"Was it Burpengary East?","start":533.22,"end":534.83997,"sentiment":"neutral","sentiment_score":0.006481714430265129}],"sentiment":"neutral","sentiment_score":0.009154473842286012,"num_words":17,"start":518.015,"end":534.83997},{"sentences":[{"text":"And yep.","start":537.495,"end":538.69495,"sentiment":"neutral","sentiment_score":0.017559250816702843},{"text":"That's in the same suburb.","start":538.69495,"end":540.475,"sentiment":"neutral","sentiment_score":0.033758259192109105},{"text":"Cool.","start":543.01495,"end":543.25494,"sentiment":"neutral","sentiment_score":0.11389389634132384},{"text":"And are you just renting there?","start":543.25494,"end":545.01495,"sentiment":"neutral","sentiment_score":0.028158907468120258},{"text":"You didn't purchase because, obviously, you've still got the cash there.","start":545.01495,"end":547.75494,"sentiment":"neutral","sentiment_score":-0.017790775576775723}],"sentiment":"neutral","sentiment_score":0.011642344295978546,"num_words":25,"start":537.495,"end":547.75494},{"sentences":[{"text":"Yep.","start":554.71,"end":555.11005,"sentiment":"positive","sentiment_score":0.3704562187194824},{"text":"Perfect.","start":555.11005,"end":555.59,"sentiment":"positive","sentiment_score":0.6757829189300537},{"text":"I I hope that they're not charging you too much and you can get a bit of savings built up.","start":555.59,"end":559.845,"sentiment":"neutral","sentiment_score":0.2291880752891302},{"text":"Yeah.","start":566.725,"end":566.96497,"sentiment":"neutral","sentiment_score":0.16611632704734802},{"text":"Well, hopefully, that happens a bit soon with all the changes and gives you a little bit of an opportunity.","start":566.96497,"end":571.365,"sentiment":"positive","sentiment_score":0.39031365886330605}],"sentiment":"neutral","sentiment_score":0.3163346545987351,"num_words":43,"start":554.71,"end":571.365},{"sentences":[{"text":"That'd be nice.","start":571.365,"end":572.26495,"sentiment":"positive","sentiment_score":0.4397302170594533},{"text":"I'm just gonna update the goals there that we're saving, just building up that deposit.","start":574.58,"end":578.28,"sentiment":"neutral","sentiment_score":0.2904894640048345},{"text":"Oh, have you kind of picked out how much you can afford for a house that you're aiming for?","start":581.22003,"end":587.24005,"sentiment":"neutral","sentiment_score":0.12212557580910231},{"text":"Yeah.","start":592.01495,"end":592.51495,"sentiment":"neutral","sentiment_score":0.20612174272537231},{"text":"That'd be a dream.","start":593.21497,"end":594.51495,"sentiment":"positive","sentiment_score":0.3997714892029762}],"sentiment":"neutral","sentiment_score":0.23338395836097853,"num_words":42,"start":571.365,"end":594.51495},{"sentences":[{"text":"And a 100,000 would be nice.","start":594.65497,"end":596.435,"sentiment":"neutral","sentiment_score":0.2719733441869418},{"text":"Could we outside port?","start":598.65497,"end":603.29,"sentiment":"neutral","sentiment_score":0.05298736318945885},{"text":"I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date.","start":603.67,"end":609.29,"sentiment":"neutral","sentiment_score":0.14967499518146118},{"text":"We've got your Gmail address.","start":609.99,"end":612.25,"sentiment":"neutral","sentiment_score":0.16940703392028808},{"text":"Your phone number hasn't changed, and your address was updated.","start":612.31,"end":615.26996,"sentiment":"neutral","sentiment_score":0.16680845916271209}],"sentiment":"neutral","sentiment_score":0.16226753394822685,"num_words":49,"start":594.65497,"end":615.26996},{"sentences":[{"text":"That all looks pretty good as well.","start":615.26996,"end":620.625,"sentiment":"positive","sentiment_score":0.37228542140551973},{"text":"K.","start":621.245,"end":621.645,"sentiment":"neutral","sentiment_score":0.03179679811000824},{"text":"Now, Daniel, when it comes to the other two insurances, the life and the PPD, with those lump sums, most of the time, they're kind of there to cover paying off, like, mortgage and things like that as well and also lost income.","start":621.645,"end":640.4,"sentiment":"neutral","sentiment_score":0.015522441285294156},{"text":"So let's say that you're there and let's say your your TPD, if you can ever work again, you kinda need that income replacement long term up until retirement.","start":640.7,"end":650.635,"sentiment":"neutral","sentiment_score":0.03085221003355651},{"text":"Let's say beyond that two years for the income protection.","start":650.775,"end":653.675,"sentiment":"neutral","sentiment_score":0.015197834372520447}],"sentiment":"neutral","sentiment_score":0.048355023976829316,"num_words":90,"start":615.26996,"end":653.675},{"sentences":[{"text":"What I'm sort of thinking at the moment is that if we don't have the large liability, do you have any other loans or anything that you've got in rate per month?","start":655.65497,"end":663.62,"sentiment":"neutral","sentiment_score":-0.015458555018994957},{"text":"K.","start":667.27997,"end":667.52,"sentiment":"neutral","sentiment_score":-0.05107862502336502},{"text":"Because you've got all the cash sitting there.","start":667.52,"end":670.34,"sentiment":"neutral","sentiment_score":-0.085111478343606},{"text":"You've got the insurance.","start":670.48,"end":671.6,"sentiment":"neutral","sentiment_score":-0.031727551482617855},{"text":"You've got the super on top.","start":671.6,"end":673.22,"sentiment":"neutral","sentiment_score":0.05284817889332771}],"sentiment":"neutral","sentiment_score":-0.02032284990099131,"num_words":51,"start":655.65497,"end":673.22},{"sentences":[{"text":"Do you need anything more in terms of life insurance, total disability insurance, or do you feel like it's pretty close to the mark?","start":673.575,"end":681.835,"sentiment":"neutral","sentiment_score":-0.06338986102491617},{"text":"And what we can kinda do I'm just having a look at your balance here.","start":689.19,"end":692.56995,"sentiment":"neutral","sentiment_score":0.008833184279501438},{"text":"Remove an updated balance on the super.","start":692.79,"end":694.97,"sentiment":"neutral","sentiment_score":-0.06274390486734253},{"text":"If you've got 400,000 worth of cover and just shy of 200,000 in super, you only really have, like, a future gap of a couple of $100 for your lump sum covers when you do get that mortgage.","start":696.87,"end":708.675,"sentiment":"neutral","sentiment_score":0.0012247399672081596},{"text":"Would you prefer for me to kind of just, like, leave those two cover levels the same until you get that liability.","start":708.895,"end":716.93005,"sentiment":"neutral","sentiment_score":0.02345747712322257}],"sentiment":"neutral","sentiment_score":-0.01193831716049111,"num_words":106,"start":673.575,"end":716.93005},{"sentences":[{"text":"Now I'm just looking at the premiums because it is 171 a month.","start":718.31,"end":723.61005,"sentiment":"neutral","sentiment_score":0.020046599925710604},{"text":"You get 15% rebate, which drops it on the $2, which is good.","start":724.95,"end":729.765,"sentiment":"neutral","sentiment_score":0.3105559337597627},{"text":"But if I just increase everything willy nilly and you're paying another 500, another thousand dollars, that's kind of coming out of your super slowing it down when you don't need to cover yet, if that makes sense.","start":729.765,"end":742.92,"sentiment":"neutral","sentiment_score":-0.1222999864502957},{"text":"Yeah.","start":744.42,"end":744.92,"sentiment":"neutral","sentiment_score":0.26291579008102417},{"text":"Yeah.","start":745.45996,"end":745.95996,"sentiment":"neutral","sentiment_score":0.2740132212638855}],"sentiment":"neutral","sentiment_score":0.0028388252143155446,"num_words":66,"start":718.31,"end":745.95996},{"sentences":[{"text":"So that might be something to add on, and that makes it really simple too.","start":746.81995,"end":749.86,"sentiment":"positive","sentiment_score":0.41568439404169716},{"text":"Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell.","start":749.86,"end":761.175,"sentiment":"neutral","sentiment_score":0.0663295400639375},{"text":"Yep.","start":763.49,"end":763.81,"sentiment":"neutral","sentiment_score":0.0943867564201355},{"text":"So what pretty much came at the back of that is that they were waiting for the ablation surgery first before before they would offer cover.","start":763.81,"end":772.07,"sentiment":"neutral","sentiment_score":0.011488773071995148},{"text":"And then when you do an application, they would do all of the doctor's reports and checks and make a decision off the back of that.","start":772.29,"end":779.805,"sentiment":"neutral","sentiment_score":0.05063520715786861}],"sentiment":"neutral","sentiment_score":0.10033416807061375,"num_words":101,"start":746.81995,"end":779.805},{"sentences":[{"text":"So the clean base that you've got is the 400,000 that we transferred to Hub.","start":781.945,"end":787.405,"sentiment":"neutral","sentiment_score":0.1796747177839279},{"text":"You can keep that as your baseline.","start":787.465,"end":789.085,"sentiment":"neutral","sentiment_score":0.211578939642225},{"text":"And if you need to do a bit of a top up of a couple of $100 after that when you get the mortgage, we can then do a bit of underwriting, some quotes, and an application for a top up down the line, but always keep the base there if that makes sense.","start":789.385,"end":802.875,"sentiment":"neutral","sentiment_score":0.17751127315892112},{"text":"How does that sound for you?","start":804.955,"end":806.335,"sentiment":"neutral","sentiment_score":0.29142043242851895},{"text":"Yep.","start":808.395,"end":808.715,"sentiment":"neutral","sentiment_score":0.04611606150865555}],"sentiment":"neutral","sentiment_score":0.1874267560351326,"num_words":83,"start":781.945,"end":808.715},{"sentences":[{"text":"I'm not really one in the business which is getting unnecessary insurances for the sake of it.","start":808.715,"end":813.915,"sentiment":"neutral","sentiment_score":-0.24453668822260463},{"text":"But what you've got, we do.","start":813.915,"end":818.42004,"sentiment":"neutral","sentiment_score":0.05347999123235544},{"text":"And you pay enough for the premiums already, and your cover's still pretty like, it's still pretty good.","start":818.42004,"end":824.68,"sentiment":"positive","sentiment_score":0.3753386653131909},{"text":"If something happens for those two main events, you're pretty much gonna have a claim, no problem.","start":824.82,"end":831.01495,"sentiment":"neutral","sentiment_score":0.005673271658665994},{"text":"Even the income protection, as long as the doctor says, hey.","start":832.435,"end":835.57495,"sentiment":"neutral","sentiment_score":-0.014927020127123053}],"sentiment":"neutral","sentiment_score":0.041334791594873306,"num_words":69,"start":808.715,"end":835.57495},{"sentences":[{"text":"You're off work for three months, six months, whatever it is, they will just kick in and start paying those monthly repayments.","start":835.95496,"end":842.47,"sentiment":"neutral","sentiment_score":-0.017787186174907467},{"text":"They don't these days, they're not trying to fight tooth and nail to prevent all the claims.","start":842.69,"end":847.73,"sentiment":"neutral","sentiment_score":-0.09304860869751257},{"text":"It's only for nondisclosure, which you won't have a problem with.","start":847.73,"end":851.35,"sentiment":"neutral","sentiment_score":-0.043871086090803146},{"text":"K.","start":853.905,"end":854.145,"sentiment":"neutral","sentiment_score":-0.013546775095164776},{"text":"So I'm thinking a bit of a buffer to tap up the life and TBD down the line.","start":854.145,"end":858.885,"sentiment":"neutral","sentiment_score":0.0020186428365478707}],"sentiment":"neutral","sentiment_score":-0.035259965141185734,"num_words":69,"start":835.95496,"end":858.885},{"sentences":[{"text":"The income protection, I'm gonna put a flag on because a thirty day waiting period and a two year benefit is fantastic because it fantastic because it kicks in quickly, and it covers you for the short to medium term.","start":859.265,"end":870.57,"sentiment":"neutral","sentiment_score":0.1760125203523785},{"text":"But if you keep that higher cover amount and your income doesn't creep up, at some point, we probably just have to trim that back in.","start":870.79,"end":877.77,"sentiment":"neutral","sentiment_score":-0.12529082467349675},{"text":"Okay.","start":886.72504,"end":887.205,"sentiment":"neutral","sentiment_score":0.16383787989616394},{"text":"Fantastic.","start":887.205,"end":887.705,"sentiment":"positive","sentiment_score":0.4698815643787384},{"text":"Love to hear it.","start":889.765,"end":890.905,"sentiment":"positive","sentiment_score":0.44011540710926056}],"sentiment":"neutral","sentiment_score":0.08579333951800233,"num_words":72,"start":859.265,"end":890.905},{"sentences":[{"text":"Alright.","start":892.88,"end":893.28,"sentiment":"neutral","sentiment_score":0.05292300134897232},{"text":"Last thing when it comes to insurances, do you recall what trauma insurance was for?","start":893.28,"end":898.66003,"sentiment":"neutral","sentiment_score":-0.03142395218213399},{"text":"Correct.","start":905.375,"end":905.69495,"sentiment":"neutral","sentiment_score":-0.058560267090797424},{"text":"Like a traumatic diagnosis.","start":905.69495,"end":907.235,"sentiment":"neutral","sentiment_score":-0.09490362368524075},{"text":"So think of, like, life insurance you pass away, PPD is permanent, income protection is temporary incapacity, And trauma is like, you may even go back to work the next day, but you've just had a stroke.","start":907.77496,"end":921.92,"sentiment":"neutral","sentiment_score":-0.1286352053284645}],"sentiment":"neutral","sentiment_score":-0.09682954552358594,"num_words":58,"start":892.88,"end":921.92},{"sentences":[{"text":"You've just had a heart attack.","start":921.92,"end":923.86,"sentiment":"neutral","sentiment_score":-0.20652779936790466},{"text":"You've just been diagnosed with cancer.","start":924.07996,"end":925.86,"sentiment":"neutral","sentiment_score":-0.232732725640138},{"text":"These are serious illnesses, but they haven't instantly caused one of those three, I guess, disablement, if that makes sense.","start":926.32,"end":935.215,"sentiment":"neutral","sentiment_score":-0.21390690580010413},{"text":"Now that is something that we could add on.","start":937.59503,"end":939.995,"sentiment":"neutral","sentiment_score":-0.020781184857090313},{"text":"That's the fourth type of cover, the one that you don't have.","start":939.995,"end":942.97504,"sentiment":"neutral","sentiment_score":-0.011773878630871574}],"sentiment":"neutral","sentiment_score":-0.1366418579874455,"num_words":53,"start":921.92,"end":942.97504},{"sentences":[{"text":"But the two caveats with it is, yes, you get a lump sum, maybe a $100,000, but you have to pay for it out of pocket, can't go through your super.","start":943.51,"end":953.76996,"sentiment":"neutral","sentiment_score":-0.14487859198162634},{"text":"And it's all linked to things like heart conditions, cancer, blood, nervous systems, which you've got a bit of a history with as well.","start":954.55,"end":963.335,"sentiment":"neutral","sentiment_score":-0.13117074314504862},{"text":"So my, I guess, my professional judgment there is that there's probably a 65 to 70% chance that they wouldn't offer that type of cover.","start":965.955,"end":974.87994,"sentiment":"neutral","sentiment_score":-0.20769038677215576},{"text":"And then if we got a quote for it, it could be upwards of 80 to $200 a month out of pocket.","start":975.1,"end":982.72,"sentiment":"neutral","sentiment_score":-0.08608268997208639},{"text":"Yeah.","start":987.33496,"end":987.83496,"sentiment":"neutral","sentiment_score":0.005678694695234299}],"sentiment":"neutral","sentiment_score":-0.14291004214471983,"num_words":103,"start":943.51,"end":987.83496},{"sentences":[{"text":"That's okay.","start":988.535,"end":989.095,"sentiment":"neutral","sentiment_score":-0.005122153088450433},{"text":"I had to ask the question and double check because I can waive some magic and get something through.","start":989.095,"end":993.995,"sentiment":"neutral","sentiment_score":-0.11931450939492176},{"text":"But if you prefer to have that life CBD income protection through Super, we can just keep it like that.","start":994.055,"end":999.84,"sentiment":"neutral","sentiment_score":-0.029506337828934193},{"text":"Cool.","start":1003.74,"end":1003.9,"sentiment":"neutral","sentiment_score":0.1953928768634796},{"text":"Outside of that, Tanya, just to finish off a couple of things with the review, we had your beneficiaries updated.","start":1003.9,"end":1010.08,"sentiment":"neutral","sentiment_score":0.11265070028603077}],"sentiment":"neutral","sentiment_score":-0.006757094494758114,"num_words":62,"start":988.535,"end":1010.08},{"sentences":[{"text":"And I'm just having a look here.","start":1011.01495,"end":1012.295,"sentiment":"neutral","sentiment_score":0.060689306152718406},{"text":"Caitlin and Madison are listed 5050.","start":1012.295,"end":1014.63495,"sentiment":"neutral","sentiment_score":0.07712662033736706},{"text":"Cool.","start":1016.77496,"end":1017.01495,"sentiment":"neutral","sentiment_score":0.2970980405807495},{"text":"That's okay to leave as is.","start":1017.01495,"end":1018.555,"sentiment":"neutral","sentiment_score":0.21190168956915537},{"text":"Amazing.","start":1020.77496,"end":1021.27496,"sentiment":"positive","sentiment_score":0.5107213854789734}],"sentiment":"neutral","sentiment_score":0.14127687755085172,"num_words":21,"start":1011.01495,"end":1021.27496},{"sentences":[{"text":"And I'm just having a quick look at the previous goals as well.","start":1022.13495,"end":1026.36,"sentiment":"neutral","sentiment_score":0.2809587877530318},{"text":"Now most everything was just hinging on settling into your new lifestyle.","start":1027.06,"end":1031.32,"sentiment":"neutral","sentiment_score":0.09876298811286688},{"text":"Obviously, you're trying to build up the deposit for the house.","start":1031.54,"end":1034.28,"sentiment":"neutral","sentiment_score":0.09900772503831169},{"text":"We've got the insurance cover, the super, and then obviously retiring debt free.","start":1036.385,"end":1041.445,"sentiment":"neutral","sentiment_score":0.09867741110233161},{"text":"And I find you how you listed at around about $8.65 for retirement.","start":1041.825,"end":1046.725,"sentiment":"neutral","sentiment_score":0.07797985180066182}],"sentiment":"neutral","sentiment_score":0.1326330563113574,"num_words":62,"start":1022.13495,"end":1046.725},{"sentences":[{"text":"There's still another twenty one years.","start":1046.7849,"end":1048.6449,"sentiment":"neutral","sentiment_score":0.0221078183191518},{"text":"A lot of time to grow it, a bit more time to protect it in those last few years.","start":1048.86,"end":1053.92,"sentiment":"neutral","sentiment_score":0.10057071527760279},{"text":"Is there anything else on the go for you the next few years that's really important?","start":1055.74,"end":1059.36,"sentiment":"neutral","sentiment_score":0.10455500893294811},{"text":"Yep.","start":1063.355,"end":1063.675,"sentiment":"neutral","sentiment_score":-0.008049458265304565},{"text":"Just get back in the property ladder, throw everything, and yeah.","start":1063.675,"end":1067.9349,"sentiment":"neutral","sentiment_score":0.02987055785276673}],"sentiment":"neutral","sentiment_score":0.07616787398550308,"num_words":53,"start":1046.7849,"end":1067.9349},{"sentences":[{"text":"Like that's uh-uh.","start":1069.4349,"end":1070.575,"sentiment":"neutral","sentiment_score":0.00600530207157135},{"text":"There was a flag from Kyle that you had a will in place that you were needing to update it at the time.","start":1073.275,"end":1080.2899,"sentiment":"neutral","sentiment_score":-0.011271077653636103},{"text":"And I'm wondering if after everything you yep.","start":1080.2899,"end":1083.1699,"sentiment":"neutral","sentiment_score":-0.0054211660753935575},{"text":"All sorted?","start":1083.1699,"end":1083.9099,"sentiment":"neutral","sentiment_score":-0.012182369828224182},{"text":"Oh, yes.","start":1086.7699,"end":1087.4099,"sentiment":"neutral","sentiment_score":0.04122591391205788}],"sentiment":"neutral","sentiment_score":-0.005960555796168353,"num_words":38,"start":1069.4349,"end":1087.4099},{"sentences":[{"text":"Okay.","start":1087.4099,"end":1087.9099,"sentiment":"neutral","sentiment_score":0.047430384904146194},{"text":"Okay.","start":1088.0499,"end":1088.45,"sentiment":"neutral","sentiment_score":0.08002014458179474},{"text":"Will.","start":1088.45,"end":1088.95,"sentiment":"neutral","sentiment_score":0.1426612138748169},{"text":"That would be handy.","start":1089.6749,"end":1090.975,"sentiment":"neutral","sentiment_score":0.2127365507185459},{"text":"And it says that we did have, like, a power of attorney in place.","start":1091.595,"end":1094.6549,"sentiment":"neutral","sentiment_score":0.0421247123075383}],"sentiment":"neutral","sentiment_score":0.08146685326383227,"num_words":21,"start":1087.4099,"end":1094.6549},{"sentences":[{"text":"So, like, if you're in hospital, someone can act on your behalf.","start":1094.715,"end":1097.9349,"sentiment":"neutral","sentiment_score":0.019746346088747185},{"text":"Does that ring a bell?","start":1098.075,"end":1099.375,"sentiment":"neutral","sentiment_score":-0.05924597717821598},{"text":"K.","start":1103.195,"end":1103.695,"sentiment":"neutral","sentiment_score":-0.017580028623342514},{"text":"Alright.","start":1104.75,"end":1105.15,"sentiment":"neutral","sentiment_score":0.029608316719532013},{"text":"Now if you're gonna update your will, I know you can do powers of attorney through the solicitors and the public trustee as well.","start":1105.15,"end":1112.1901,"sentiment":"neutral","sentiment_score":0.03645717282779515}],"sentiment":"neutral","sentiment_score":0.019249458212492077,"num_words":43,"start":1094.715,"end":1112.1901},{"sentences":[{"text":"But if you really need to, $25 power of attorney kit from the post office is government approved, and it's pretty much if I'm in hospital and can't act, who can access the bank accounts, who can talk to the doctors, and someone, you know, trusted to act on your behalf when you can't act.","start":1112.1901,"end":1131.3151,"sentiment":"neutral","sentiment_score":0.021413543803448027},{"text":"It's much easier than than complex will, if that makes sense.","start":1131.4551,"end":1137.02,"sentiment":"neutral","sentiment_score":0.26417338306253607},{"text":"K.","start":1141.2401,"end":1141.64,"sentiment":"neutral","sentiment_score":0.03859968110918999},{"text":"Last thing I wanted to go over with you was just have you been checking how the super has been going?","start":1141.64,"end":1146.4601,"sentiment":"neutral","sentiment_score":0.057586773875213805},{"text":"Oh, yep.","start":1153.815,"end":1154.215,"sentiment":"neutral","sentiment_score":0.049264803528785706}],"sentiment":"neutral","sentiment_score":0.060334485138042106,"num_words":90,"start":1112.1901,"end":1154.215},{"sentences":[{"text":"Perfect.","start":1154.215,"end":1154.535,"sentiment":"neutral","sentiment_score":0.25364816188812256},{"text":"So you've probably seen a few things going up and down over the last few months given the news.","start":1154.535,"end":1160.315,"sentiment":"neutral","sentiment_score":0.022748618435702826},{"text":"Yeah.","start":1169.65,"end":1170.15,"sentiment":"neutral","sentiment_score":-0.02751725912094116},{"text":"If I give you a bit of a tip for that one, Tanya, the the website is actually better than the app.","start":1172.69,"end":1177.9551,"sentiment":"neutral","sentiment_score":0.06817020662128925},{"text":"Yeah.","start":1181.855,"end":1182.0951,"sentiment":"neutral","sentiment_score":0.013964390382170675}],"sentiment":"neutral","sentiment_score":0.04936508157036521,"num_words":44,"start":1154.215,"end":1182.0951},{"sentences":[{"text":"So if you go on, like, a computer or the website on your phone, it's a bit easier to scroll through, generate reports, and things like that on the website than it is with the app.","start":1182.0951,"end":1191.9501,"sentiment":"neutral","sentiment_score":0.17301346133980486},{"text":"They're building a bit more engagement tools soon, which I can see them on my end.","start":1194.97,"end":1199.79,"sentiment":"neutral","sentiment_score":0.2118948046118021},{"text":"And if I was having you in front of us in the office, it would look very fancy on a projector screen, but they haven't actually filtered that through to the app yet.","start":1199.93,"end":1208.0549,"sentiment":"neutral","sentiment_score":0.014921541099972797},{"text":"So the website is definitely the way to go.","start":1208.0549,"end":1210.315,"sentiment":"neutral","sentiment_score":0.2933451698886024},{"text":"Absolutely.","start":1217.19,"end":1217.69,"sentiment":"neutral","sentiment_score":0.2531304657459259}],"sentiment":"neutral","sentiment_score":0.13688894034804483,"num_words":95,"start":1182.0951,"end":1217.69},{"sentences":[{"text":"And I'm just looking through an in-depth report here as well, which I'm gonna shoot through to you.","start":1218.23,"end":1223.0499,"sentiment":"neutral","sentiment_score":0.15562189577354324},{"text":"We've got all your investment options here.","start":1224.71,"end":1226.87,"sentiment":"neutral","sentiment_score":0.07591037452220917},{"text":"Do you remember that you're in that kind of recorded growth risk profile?","start":1226.87,"end":1231.175,"sentiment":"neutral","sentiment_score":-0.008520529641268345},{"text":"Kinda like a four out of five on the risk scale.","start":1231.395,"end":1234.115,"sentiment":"neutral","sentiment_score":-0.02681118774820458},{"text":"Does that ring a bell?","start":1234.115,"end":1235.255,"sentiment":"neutral","sentiment_score":-0.004090739786624909}],"sentiment":"neutral","sentiment_score":0.05382264992739591,"num_words":54,"start":1218.23,"end":1235.255},{"sentences":[{"text":"Yep.","start":1237.075,"end":1237.575,"sentiment":"neutral","sentiment_score":0.027374200522899628},{"text":"So four out of five on the risk scale still primarily focused on obviously growth because you need at least eight to nine years to be in a growth risk profile.","start":1237.715,"end":1247.31,"sentiment":"neutral","sentiment_score":-0.029162512250965642},{"text":"But it sounds to me that you're not the type to wanna jump into the high risk side of it.","start":1247.4501,"end":1252.03,"sentiment":"neutral","sentiment_score":-0.2516910914331675},{"text":"Yeah.","start":1254.73,"end":1255.23,"sentiment":"neutral","sentiment_score":-0.1490670144557953},{"text":"So if we can keep on getting that eight to 9% average return, what tends to happen with growth is it may go up five, ten, 20% in the good years.","start":1255.61,"end":1266.845,"sentiment":"neutral","sentiment_score":-0.10965773439215075}],"sentiment":"neutral","sentiment_score":-0.1126064558158673,"num_words":84,"start":1237.075,"end":1266.845},{"sentences":[{"text":"And then once every seven years, there's gonna be a COVID GSE whatever event, and it may drop down ten to twenty percent.","start":1267.5449,"end":1275.88,"sentiment":"neutral","sentiment_score":-0.17724381516809048},{"text":"And then if we can average out at nine or above over that entire period, you're pretty well off track if that makes sense.","start":1275.88,"end":1283.1,"sentiment":"neutral","sentiment_score":-0.2859705910086632},{"text":"Now from what I can see here, you've cleared about eight and a half to nine and a half percent return after fee.","start":1285.08,"end":1291.045,"sentiment":"neutral","sentiment_score":0.04844580064325229},{"text":"So even with the market dropping, you're still quite positive and growing quite well.","start":1291.1849,"end":1297.925,"sentiment":"neutral","sentiment_score":0.31013509950467516},{"text":"So twelve months ago, you were sitting at a 153,000.","start":1300.8,"end":1304.74,"sentiment":"neutral","sentiment_score":0.029707306437194346}],"sentiment":"neutral","sentiment_score":-0.055177490008955304,"num_words":94,"start":1267.5449,"end":1304.74},{"sentences":[{"text":"You're now just shy of a 183,000 when you combine your growth plus your contributions.","start":1304.96,"end":1310.26,"sentiment":"neutral","sentiment_score":0.27579258183638256},{"text":"K?","start":1313.935,"end":1314.435,"sentiment":"neutral","sentiment_score":0.10113362222909927},{"text":"The only thing I would probably put a bit of a flag on one of your investment options because we put eight of them together to build your portfolio.","start":1315.6951,"end":1324.4501,"sentiment":"neutral","sentiment_score":0.027575028996015417},{"text":"Like, there's some different shares, property, gold, like, all these different options invest in all these different areas.","start":1324.75,"end":1331.25,"sentiment":"neutral","sentiment_score":0.06491874758568075},{"text":"Seven of them have done amazing.","start":1331.79,"end":1333.41,"sentiment":"positive","sentiment_score":0.5148532191912333}],"sentiment":"neutral","sentiment_score":0.1347152893094049,"num_words":69,"start":1304.96,"end":1333.41},{"sentences":[{"text":"Your Australian shares have kind of dropped a little bit, and I'm gonna keep a bit of an eye on that one because if that doesn't pick back up, I might need to replace it with another option.","start":1333.63,"end":1343.315,"sentiment":"neutral","sentiment_score":-0.2821833063897334},{"text":"K?","start":1345.9349,"end":1346.4349,"sentiment":"neutral","sentiment_score":0.013166286051273346},{"text":"So if you're comfortable with how that's going, are you okay for me to possibly catch up with you instead of the usual twelve month review?","start":1346.815,"end":1356.7699,"sentiment":"neutral","sentiment_score":0.07677356633715905},{"text":"I was gonna maybe catch up with you before Christmas time just to double check that with you.","start":1356.99,"end":1361.8899,"sentiment":"neutral","sentiment_score":0.0773425033936898},{"text":"Yep.","start":1365.5149,"end":1365.9149,"sentiment":"neutral","sentiment_score":0.26872074604034424}],"sentiment":"neutral","sentiment_score":-0.0839619145817345,"num_words":84,"start":1333.63,"end":1365.9149},{"sentences":[{"text":"That would be good.","start":1365.9149,"end":1367.0549,"sentiment":"positive","sentiment_score":0.4552132785320282},{"text":"That way, if I need to give the old portfolio an engine, sure enough, I can.","start":1367.195,"end":1370.975,"sentiment":"neutral","sentiment_score":0.12843913258984685},{"text":"And let's say the property market's dropped and you've gotten a property then, we can maybe chop up the life and CBD there, and we can kind of diverge at one time.","start":1371.115,"end":1384.0099,"sentiment":"neutral","sentiment_score":0.008805556746665388},{"text":"Cool.","start":1384.3899,"end":1384.8899,"sentiment":"positive","sentiment_score":0.4843195378780365},{"text":"We've covered a few different areas so far, Penny.","start":1385.4299,"end":1387.59,"sentiment":"neutral","sentiment_score":0.21701163550217947}],"sentiment":"neutral","sentiment_score":0.10637227917510655,"num_words":62,"start":1365.9149,"end":1387.59},{"sentences":[{"text":"Do you have any questions for me at the moment?","start":1387.59,"end":1389.45,"sentiment":"neutral","sentiment_score":0.09828524813055992},{"text":"Okay.","start":1393.805,"end":1394.285,"sentiment":"neutral","sentiment_score":0.09357844293117525},{"text":"So the main thing that we'll do is if you're comfortable, we'll send you through that notice of intent to claim form for your contributions again at the end of financial year.","start":1394.285,"end":1404.625,"sentiment":"neutral","sentiment_score":0.0950991049176082},{"text":"And then you just need to make sure that we get that submitted and an acceptance letter before you do your tax.","start":1405.49,"end":1413.09,"sentiment":"neutral","sentiment_score":0.030420730059797115},{"text":"So because, again, if you do the other way around, if you submit the tax return quickly by accident and forget to claim it, you you'll cut off the claim.","start":1413.09,"end":1423.885,"sentiment":"neutral","sentiment_score":-0.10987888351082802}],"sentiment":"neutral","sentiment_score":0.01571044039569403,"num_words":95,"start":1387.59,"end":1423.885},{"sentences":[{"text":"K?","start":1423.9451,"end":1424.4451,"sentiment":"neutral","sentiment_score":0.009425057098269464},{"text":"So we will reach out to you, but if you get a a phone call, text message, email from us around the end of June, first week of July, that's where it would be for.","start":1428.265,"end":1437.75,"sentiment":"neutral","sentiment_score":0.05246482480849538},{"text":"Cool.","start":1441.01,"end":1441.25,"sentiment":"positive","sentiment_score":0.5368211269378662},{"text":"Now, Tanya, because we kind of combine the annual review together as well, I'm basically just going to get you a refreshed service agreement and annual review pack sent out, which will kind of include, like, if you're comfortable with us looking out for the super, it'll reset your review date for twelve months from now with a six month catch up in between, and it'll have your performance report, your insurances, financial services guide with our license details, all of that in the pack together.","start":1441.25,"end":1472.86,"sentiment":"neutral","sentiment_score":0.12958973100365595},{"text":"K?","start":1477.1849,"end":1477.585,"sentiment":"neutral","sentiment_score":0.17195434868335724}],"sentiment":"neutral","sentiment_score":0.11047730860751002,"num_words":124,"start":1423.9451,"end":1477.585},{"sentences":[{"text":"So just so you know what that will have, we've got 1.65% for the service fees, and that's split into those monthly repayments throughout the year.","start":1477.585,"end":1490.78,"sentiment":"neutral","sentiment_score":0.11488466939100853},{"text":"And then the Superfund gets its 15% rebate off of that.","start":1490.92,"end":1494.8601,"sentiment":"neutral","sentiment_score":0.15292084352536636},{"text":"Tanya, have you ever used our Odoo system before since we switched over from the old DocuSign to Odoo?","start":1497.56,"end":1504.175,"sentiment":"neutral","sentiment_score":0.04509316669090798},{"text":"Okay.","start":1507.915,"end":1508.235,"sentiment":"neutral","sentiment_score":0.02624843642115593},{"text":"So when I get that sent through, which I'll probably get through to you tonight, it'll have all your attachments at the bottom, like PDF email attachments for all of your pack.","start":1508.235,"end":1518.97,"sentiment":"neutral","sentiment_score":0.07292072649579495}],"sentiment":"neutral","sentiment_score":0.08860238802650672,"num_words":89,"start":1477.585,"end":1518.97},{"sentences":[{"text":"There'll be a bit of a purple button to sign the service agreement if you're comfortable with the services, and it'll basically let you scroll through the document first.","start":1520.87,"end":1530.045,"sentiment":"neutral","sentiment_score":0.09435615791329022},{"text":"And then when you're comfortable, the buttons will bring you to the signature spot.","start":1530.665,"end":1534.365,"sentiment":"neutral","sentiment_score":0.0665336363017559},{"text":"Okay?","start":1536.985,"end":1537.485,"sentiment":"neutral","sentiment_score":0.07144489884376526},{"text":"At the end of that, the last button will give you, like, save the documents so you've got your own signed copy for your records as well.","start":1537.945,"end":1546.45,"sentiment":"neutral","sentiment_score":0.10948680755164888},{"text":"Sensational.","start":1548.99,"end":1549.49,"sentiment":"neutral","sentiment_score":0.17026452720165253}],"sentiment":"neutral","sentiment_score":0.095356287745138,"num_words":72,"start":1520.87,"end":1549.49},{"sentences":[{"text":"Alright.","start":1549.71,"end":1550.21,"sentiment":"neutral","sentiment_score":0.08812236040830612},{"text":"Any questions for me before I let you go for the evening?","start":1550.4299,"end":1552.9299,"sentiment":"neutral","sentiment_score":0.04661882730821768},{"text":"No worries at all, Tanya.","start":1557.1649,"end":1558.365,"sentiment":"neutral","sentiment_score":0.1515171006321907},{"text":"I really appreciate you taking the time today.","start":1558.365,"end":1560.5449,"sentiment":"positive","sentiment_score":0.8989224955439568},{"text":"And, again, just keep an ear out for from us towards the end of next month.","start":1560.6849,"end":1565.58,"sentiment":"positive","sentiment_score":0.4711745250970125}],"sentiment":"positive","sentiment_score":0.3841739561231363,"num_words":42,"start":1549.71,"end":1565.58},{"sentences":[{"text":"And then later on in the year, I'll catch up with you again for those portfolio updates.","start":1565.74,"end":1571.2,"sentiment":"positive","sentiment_score":0.3549913089064991},{"text":"Have a lovely day.","start":1576.3269,"end":1577.287,"sentiment":"positive","sentiment_score":0.6063357666134834},{"text":"Thank you so much.","start":1577.287,"end":1578.267,"sentiment":"positive","sentiment_score":0.8086339980363846},{"text":"Bye.","start":1580.9669,"end":1581.4669,"sentiment":"neutral","sentiment_score":-0.10769054293632507}],"sentiment":"positive","sentiment_score":0.4456554141182166,"num_words":26,"start":1565.74,"end":1581.4669}]}}]},{"alternatives":[{"transcript":"How may I take baking? Good. Thanks. How are you? I can yeah. Not too bad. Thanks. Yes. Yep. Yep. Matilda. Yes. Yep. Yep. Yep. Yeah. That's fine. Yep. Yep. Now you can go buy it. Yep. Mhmm. Okay. Yep. Yep. Yep. Yes. Yep. Yes. Yep. Yep. Yep. No. I'm doing probably a couple of hours a week extra. That's probably about all. Oh, no. My permanent roster increased. Yes. Mhmm. Yeah. So claim them back on my tax. Yep. Yep, please. Fortnightly. Yep. Okay. Okay. Yeah. Leave it there for future pay increases. Okay. Yep. Yep. Yep. Yeah. At the moment, I could probably go, yeah, I could go a little while, maybe two months. Yep. Yes. Yes. Yeah. Yes. I still have that. Yes. Still have that. No. Not gone. Yep. My well, we've sold the property. So at the moment, I've got 400 in a term deposit and 50 in a high interest savings account. No. That's gone. That's the house we sold. Yeah. It's 18 To 20 Parkside Court, Burpengary East. Yes. Yep. Yes. Yep. Moved in with parents and paying board. Nope. Yes. Yep. The the plan is to buy another house when the market drops a little bit, hopefully. Yes. I'd like to get something under 800,000. Yep. Yep. Mhmm. Yeah. No. No. I think it's pretty close to the mark. Yeah. Yeah. Yeah. I think so. Mhmm. Yeah. Yeah. That's right. Yep. Yep. Yes. Yeah. Yep. Yep. Yeah. Sounds good. No. We we give them enough money. Yep. Yep. Yes. Okay. Yep. Yep. Yeah. Yep. Yep. Yeah. I am there is a pay rise coming. They're back paying us to September last year. Our EVs just changed. If there's, like, a traumatic event. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. No. I'm not interested anyway. That's all good. Thank you. Yep. Yeah. I think so. Yep. That's correct. Yes. Thank you. Yep. Yep. Yep. Yes. No. Not really. Yep. Yes. I'd no. I have to do that yet. No. I I haven't got a power of attorney in place. No. Yes. Okay. Yes. Yes. Yes. Yep. I haven't for a little bit. I did probably about a month ago. Yes. Yes. I don't know how to use the app very well. I can't like, I can only see the graph. Yeah? Right. So the hub twenty four website. Yep. Okay. Right. Yep. Yeah. Right. Okay. I will have a look at the website. Yes. Yep. No. Probably not. Yep. Yes. Okay. Good. Yep. Yep. I can. Mhmm. Yep. Okay. Yep. Yeah. Yeah. That would be fine. Yes. That sounds great. No. I think it's covered everything. Yep. Mhmm. Okay. Okay. Right. Alright. Yep. Excellent. Okay. Yep. Okay. Yep. Yep. Okay. Alright. Thank you. Yep. Okay. No. I don't think so. Yep. Yep. Okay. Alright. Right. Okay. Alright. No. That's all. That's great. Thank you. I will okay. Wonderful. Thank you very much. So I'm working for it. Yep. And Thank you. See you then. 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may I take baking? Good. Thanks. How are you? I can yeah.\n\nNot too bad. Thanks. Yes. Yep. Yep.\n\nMatilda. Yes. Yep. Yep. Yep.\n\nYeah. That's fine. Yep. Yep. Now you can go buy it.\n\nYep. Mhmm. Okay. Yep. Yep.\n\nYep. Yes. Yep. Yes. Yep.\n\nYep. Yep. No. I'm doing probably a couple of hours a week extra. That's probably about all.\n\nOh, no. My permanent roster increased. Yes. Mhmm. Yeah.\n\nSo claim them back on my tax. Yep. Yep, please. Fortnightly. Yep.\n\nOkay. Okay. Yeah. Leave it there for future pay increases. Okay.\n\nYep. Yep. Yep. Yeah. At the moment, I could probably go, yeah, I could go a little while, maybe two months.\n\nYep. Yes. Yes. Yeah. Yes.\n\nI still have that. Yes. Still have that. No. Not gone.\n\nYep. My well, we've sold the property. So at the moment, I've got 400 in a term deposit and 50 in a high interest savings account. No. That's gone.\n\nThat's the house we sold. Yeah. It's 18 To 20 Parkside Court, Burpengary East. Yes. Yep.\n\nYes. Yep. Moved in with parents and paying board. Nope. Yes.\n\nYep. The the plan is to buy another house when the market drops a little bit, hopefully. Yes. I'd like to get something under 800,000. Yep.\n\nYep. Mhmm. Yeah. No. No.\n\nI think it's pretty close to the mark. Yeah. Yeah. Yeah. I think so.\n\nMhmm. Yeah. Yeah. That's right. Yep.\n\nYep. Yes. Yeah. Yep. Yep.\n\nYeah. Sounds good. No. We we give them enough money. Yep.\n\nYep. Yes. Okay. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. I am there is a pay rise coming.\n\nThey're back paying us to September last year. Our EVs just changed. If there's, like, a traumatic event. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yeah. Yeah. No. I'm not interested anyway.\n\nThat's all good. Thank you. Yep. Yeah. I think so.\n\nYep. That's correct. Yes. Thank you. Yep.\n\nYep. Yep. Yes. No. Not really.\n\nYep. Yes. I'd no. I have to do that yet. No.\n\nI I haven't got a power of attorney in place. No. Yes. Okay. Yes.\n\nYes. Yes. Yep. I haven't for a little bit. I did probably about a month ago.\n\nYes. Yes. I don't know how to use the app very well. I can't like, I can only see the graph. Yeah?\n\nRight. So the hub twenty four website. Yep. Okay. Right.\n\nYep. Yeah. Right. Okay. I will have a look at the website.\n\nYes. Yep. No. Probably not. Yep.\n\nYes. Okay. Good. Yep. Yep.\n\nI can. Mhmm. Yep. Okay. Yep.\n\nYeah. Yeah. That would be fine. Yes. That sounds great.\n\nNo. I think it's covered everything. Yep. Mhmm. Okay.\n\nOkay. Right. Alright. Yep. Excellent.\n\nOkay. Yep. Okay. Yep. Yep.\n\nOkay. Alright. Thank you. Yep. Okay.\n\nNo. I don't think so. Yep. Yep. Okay.\n\nAlright. Right. Okay. Alright. No.\n\nThat's all. That's great. Thank you. I will okay. Wonderful.\n\nThank you very much. So I'm working for it. Yep. And Thank you. See you then.\n\nBye.","paragraphs":[{"sentences":[{"text":"How may I take baking?","start":0.39999998,"end":5.14,"sentiment":"neutral","sentiment_score":0.08132283389568329},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.35873478651046753},{"text":"Thanks.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.46902239322662354},{"text":"How are you?","start":7.3599997,"end":8.26,"sentiment":"neutral","sentiment_score":0.15216500560442606},{"text":"I can yeah.","start":16.835,"end":20.035,"sentiment":"neutral","sentiment_score":-0.04896618736286958}],"sentiment":"neutral","sentiment_score":0.11876675414924438,"num_words":13,"start":0.39999998,"end":20.035},{"sentences":[{"text":"Not too 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all.","start":1553.67,"end":1554.39,"sentiment":"neutral","sentiment_score":0.11376963183283806},{"text":"That's great.","start":1554.39,"end":1555.11,"sentiment":"positive","sentiment_score":0.5809578895568848},{"text":"Thank you.","start":1555.11,"end":1555.93,"sentiment":"positive","sentiment_score":0.5041898936033249},{"text":"I will okay.","start":1561.815,"end":1572.315,"sentiment":"positive","sentiment_score":0.3763185491164525},{"text":"Wonderful.","start":1572.775,"end":1573.1749,"sentiment":"positive","sentiment_score":0.8110841512680054}],"sentiment":"positive","sentiment_score":0.43378746286034586,"num_words":10,"start":1553.67,"end":1573.1749},{"sentences":[{"text":"Thank you very much.","start":1573.1749,"end":1574.315,"sentiment":"positive","sentiment_score":0.8067755401134491},{"text":"So I'm working for it.","start":1574.5869,"end":1577.0068,"sentiment":"neutral","sentiment_score":0.3322280406951904},{"text":"Yep.","start":1578.0269,"end":1578.5068,"sentiment":"positive","sentiment_score":0.3704221844673157},{"text":"And Thank you.","start":1578.5068,"end":1579.0669,"sentiment":"positive","sentiment_score":0.6128159562746683},{"text":"See you then.","start":1579.0669,"end":1579.9469,"sentiment":"positive","sentiment_score":0.5404874285062155}],"sentiment":"positive","sentiment_score":0.5449109189212322,"num_words":16,"start":1573.1749,"end":1579.9469},{"sentences":[{"text":"Bye.","start":1579.9469,"end":1580.4469,"sentiment":"neutral","sentiment_score":0.2500396966934204}],"sentiment":"neutral","sentiment_score":0.2500396966934204,"num_words":1,"start":1579.9469,"end":1580.4469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: How may I take\n\nChannel 0: Good afternoon, Tanya. It's Tommy here,\n\nChannel 1: baking?\n\nChannel 0: senior adviser from. How are you going?\n\nChannel 1: Good. Thanks. How are\n\nChannel 0: Mhmm.\n\nChannel 1: you?\n\nChannel 0: I'm doing absolutely fantastic. It's a little bit chilly here, and we're trialing a bit of work from home with the fuel crisis, It's a bit interesting. What about your\n\nChannel 1: I can\n\nChannel 0: end?\n\nChannel 1: yeah. Not too bad. Thanks.\n\nChannel 0: Good to hear. Good to hear. Now I was just giving you a call to go through a bit of an insurance review with you if you still had time.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Now before I jump into that, I'm just gonna go through a quick security check with you.\n\nChannel 1: Yep.\n\nChannel 0: Do you recall your overview password?\n\nChannel 1: Matilda.\n\nChannel 0: That's the one. And are you okay for the call to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: And sensational. So, Tanya, what I've got open today, I want to ask you a couple of quick questions because I've gone through your entire history with all the different medical procedures and checks and underwriting that we've done. And\n\nChannel 1: Yep.\n\nChannel 0: I'm just having a look at your current cover\n\nChannel 1: Yep.\n\nChannel 0: and kind of comparing it against what I can see is your your previous situation. So I wanted to kind of start there, update your details, and sort of see what your options are, if that's okay.\n\nChannel 1: Yep. Yeah. That's fine.\n\nChannel 0: Cool. Now in terms of just this meeting in itself, you're getting a bit closer to your annual review date. So I was wanting\n\nChannel 1: Yep.\n\nChannel 0: to know if you wanted me to kind of combine in a bit of a discussion around your super as well and\n\nChannel 1: Yep.\n\nChannel 0: combine those two today or if you were a bit short on time.\n\nChannel 1: Now you can go buy it.\n\nChannel 0: Yep. Perfect. Now one thing that I really need to start with, because that's gonna guide us quite well, is I'll quickly let you know what coverage you've got, but I need to update your assets and liabilities if that's alright too.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So I'll do a quick recap. We transferred across your original insurance policy. So it's\n\nChannel 1: Mhmm.\n\nChannel 0: come across into Hub twenty four. That's how we got it consolidated in the first bid. Does that ring\n\nChannel 1: Okay.\n\nChannel 0: a bell? Yep. Now you've got just short of\n\nChannel 1: Yep.\n\nChannel 0: 4 $100,000 worth of life insurance and total disability. So\n\nChannel 1: Yep.\n\nChannel 0: those are your lump sums. If you pass away, can never work again. There's 400,000 plus your super on top.\n\nChannel 1: Yep.\n\nChannel 0: The other thing too is you've got your income protection. So if you\n\nChannel 1: Yes.\n\nChannel 0: remember that one is kind of like if you're temporarily out of work, you get about 5,500 a month\n\nChannel 1: Yep.\n\nChannel 0: for up to two years. So it covers you kinda like short to medium term, and you have a waiting period of thirty days. So anything\n\nChannel 1: Yes. Yep.\n\nChannel 0: that you're out of work for for more than thirty days, you can then launch a claim.\n\nChannel 1: Yep.\n\nChannel 0: K? So a few things. When it comes to income protection, you can do a maximum of 70% of your income.\n\nChannel 1: Yep.\n\nChannel 0: And I last had you listed at about 82,000, but I was noting the contributions creeping up a bit. Have you had any pay rises, promotions?\n\nChannel 1: No. I'm doing probably a couple of hours a week extra. That's probably about all.\n\nChannel 0: Yep. Bit of OT.\n\nChannel 1: Oh, no. My permanent roster increased.\n\nChannel 0: Gotcha. So still doing the youth work.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. So 82 would be pretty close, and you're doing some contributions in there as well. While\n\nChannel 1: Mhmm.\n\nChannel 0: we're at it, did you want me to make sure that we sent you through one of those forms to claim your contributions again this year after June?\n\nChannel 1: Yeah. So claim them back on my tax. Yep.\n\nChannel 0: Understanding as well.\n\nChannel 1: Yep, please.\n\nChannel 0: Right. Yep. So I'll flag that to go through. I'm just gonna quickly look back at the contributions here because are you paid on, like, a weekly frequency or is it fortnightly?\n\nChannel 1: Fortnightly.\n\nChannel 0: Fortnightly. K. So I can see you're doing better. Just under 165 in personal contributions on top. And because of education, you're getting that matching program with work as well, which is really good.\n\nYou've had a couple in April and a couple in May. So I'm just gonna go $4.20. Yeah. 85,000 is pretty much the mark.\n\nChannel 1: Yep.\n\nChannel 0: So what that really means, Tanya, is that the maximum cover you can have, which is 70% of that, is about $5,000 a month. You've actually got a tiny bit more insurance cover than than your maximum. You're a little\n\nChannel 1: Okay.\n\nChannel 0: bit over insured.\n\nChannel 1: Okay.\n\nChannel 0: K? That gives you two options really, is we can either try and get them to trim it down a little bit or you leave it there as a bit of a buffer for future kind of pay increases.\n\nChannel 1: Yeah. Leave it there for future pay increases.\n\nChannel 0: Yeah. And normally, I would kind of jump at the opportunity to kind of trim the cost down a little bit. But if we do any future increases to the cover, you're pretty much gonna get some exclusions for anything preexisting through that increased cover, which you don't currently have.\n\nChannel 1: Okay.\n\nChannel 0: So what that means is if you have any kind of pre existing health conditions or things from the past that they exclude, Let's say you've you've had a knee reconstruction and you get a knee exclusion. Well, anything we increase from this point, you can't claim on that knee, but the existing policy is perfectly fine. Do you know what I mean?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. K. So what I wanted to gauge from you is waiting period wise, thirty day is is pretty standard. Sometimes people push it out to sixty and ninety days to make it a bit cheaper if they've got lots of savings.\n\nChannel 1: Yep.\n\nChannel 0: Fourteen days is the shortest, but it's also the most expensive.\n\nChannel 1: Yep.\n\nChannel 0: Do you feel like you can kind of make do for a few weeks before the the payments start taking you?\n\nChannel 1: Yeah. At the moment, I could probably go, yeah, I could go a little while, maybe two months.\n\nChannel 0: Yeah. Because what that's perfect. Because what'll happen is once you hit day 30, you launch your claim straight away. It may take three to four weeks for it to process, and then they start back paying you from that day 30. So\n\nChannel 1: Yep.\n\nChannel 0: you kinda need that six weeks buffer. Perfect. Can I just quickly ask? You were going through a, like, separation last year, and there was a\n\nChannel 1: Yes.\n\nChannel 0: few notes on assets being sold down. Did that end up happening as well?\n\nChannel 1: Yes.\n\nChannel 0: Okay. So I'm gonna run through what we've got, and then you let me know what's missing. Is that okay?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So we've got the Toyota Prado.\n\nChannel 1: Yes. I still have that.\n\nChannel 0: Still got that one. The Caravan.\n\nChannel 1: Yes. Still have that.\n\nChannel 0: Yep. Cool. There was a Land Cruiser and a Ute that was planned\n\nChannel 1: No.\n\nChannel 0: to be sold.\n\nChannel 1: Not gone. Yep.\n\nChannel 0: Yep. Alrighty. So I'll cut those off. You got the caravan and the product. That's great.\n\nYou had about 4,000 in savings at the time. Just wondering what your your emergency buffer's at.\n\nChannel 1: My well, we've sold the property. So at the moment, I've got 400 in a term deposit and 50 in a high interest savings account.\n\nChannel 0: Yep. K. 400 in the term deposit, and my interest savings is accessible for the 50. K. So that was the property that was sold.\n\nI'm gonna just quickly chop that one off as well. And did you not have any changes too? I just wanted to check address as well. We've got Rose Hill Drive. Is that still correct?\n\nChannel 1: No. That's gone. That's the\n\nChannel 0: Yeah.\n\nChannel 1: house we\n\nChannel 0: K.\n\nChannel 1: sold.\n\nChannel 0: Alright. Can I just quickly grab an updated address as well?\n\nChannel 1: Yeah. It's 18 To 20 Parkside Court, Burpengary East.\n\nChannel 0: Was it Burpengary East?\n\nChannel 1: Yes.\n\nChannel 0: And yep. That's in the same suburb. Cool. And are you just renting there? You didn't purchase because, obviously, you've still got the cash there.\n\nChannel 1: Yep. Yes. Yep. Moved in with parents and paying board.\n\nChannel 0: Yep. Perfect. I I hope that they're not charging you too much and you can get a bit of\n\nChannel 1: Nope.\n\nChannel 0: savings built up.\n\nChannel 1: Yes. Yep. The the plan is to buy another house when the market drops a little bit, hopefully.\n\nChannel 0: Yeah. Well, hopefully, that happens a bit soon with all the changes and gives you a little bit of an opportunity. That'd be nice.\n\nChannel 1: Yes.\n\nChannel 0: I'm just gonna update the goals there that we're saving, just building up that deposit. Oh, have you kind of picked out how much you can afford for a house that you're aiming for?\n\nChannel 1: I'd like to get something under 800,000.\n\nChannel 0: Yeah. That'd be a dream. And a 100,000 would be nice. Could we outside port? I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date.\n\nWe've got your Gmail address. Your phone number hasn't changed, and your address was updated. That all looks pretty good as well. K. Now, Daniel, when it comes to the other two insurances, the life and the PPD,\n\nChannel 1: Yep.\n\nChannel 0: with those lump sums, most of the time, they're kind of there to cover paying off, like, mortgage and things\n\nChannel 1: Yep.\n\nChannel 0: like that as well and also lost income. So let's say that you're there and let's say your your TPD, if you can ever work again, you kinda need that income replacement long term up\n\nChannel 1: Mhmm.\n\nChannel 0: until retirement. Let's say beyond that two years for the income protection.\n\nChannel 1: Yeah.\n\nChannel 0: What I'm sort of thinking at the moment is that if we don't have the large liability, do you have any other loans or anything that you've got in rate per month?\n\nChannel 1: No.\n\nChannel 0: K. Because you've got all the cash sitting there. You've got the insurance. You've got the super on top. Do you need anything more in terms of life insurance, total disability insurance, or do you feel like it's pretty close to the mark?\n\nChannel 1: No. I think it's pretty close to the mark.\n\nChannel 0: And what we can kinda do I'm just having a look at your balance here. Remove an updated balance on the super. If you've got 400,000 worth of cover and just shy of 200,000 in super, you only really have, like, a future gap of a couple of $100 for your lump sum covers when you do get that mortgage. Would you prefer\n\nChannel 1: Yeah.\n\nChannel 0: for me to kind of just, like, leave those two cover levels the same until you get that\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: liability.\n\nChannel 1: think so.\n\nChannel 0: Now I'm just looking at the premiums because it is 171 a month.\n\nChannel 1: Mhmm.\n\nChannel 0: You get 15% rebate, which drops it on the $2, which is good. But if I just increase everything willy nilly and you're paying another 500, another thousand dollars, that's kind of coming out of your super slowing it down when you don't need to cover yet, if that makes sense.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: Yeah. Yeah. So that might be something to add on, and that makes it really simple too. Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what pretty much came at the back of that is that they were waiting for the ablation surgery first before\n\nChannel 1: Yep.\n\nChannel 0: before they would offer cover. And then\n\nChannel 1: Yes.\n\nChannel 0: when you do an application, they would do all of the doctor's reports and checks and make a decision off the back of that.\n\nChannel 1: Yeah.\n\nChannel 0: So the clean base that you've got is the 400,000 that we transferred to Hub. You can keep that as your baseline. And if you need to do a bit of a top up of a couple of $100 after that when you get the mortgage, we can then do a bit of underwriting, some quotes, and an application for a top up down the line, but always\n\nChannel 1: Yep.\n\nChannel 0: keep the base there if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: How does that sound for you?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yep. I'm not really one in the business which is getting unnecessary insurances for the sake of it. But what\n\nChannel 1: No.\n\nChannel 0: you've\n\nChannel 1: We\n\nChannel 0: got,\n\nChannel 1: we give them enough money.\n\nChannel 0: we do. And you pay enough for the premiums already, and your cover's still pretty like, it's still pretty good. If something\n\nChannel 1: Yep.\n\nChannel 0: happens for those two main events, you're pretty much gonna have a claim, no problem. Even the income protection, as long as the doctor says, hey. You're off work for three months, six months, whatever it is, they\n\nChannel 1: Yep.\n\nChannel 0: will just kick in and start paying those monthly repayments. They don't\n\nChannel 1: Yes.\n\nChannel 0: these days, they're not trying to fight tooth and nail to prevent all the claims. It's only for nondisclosure, which you won't\n\nChannel 1: Okay.\n\nChannel 0: have a problem with.\n\nChannel 1: Yep.\n\nChannel 0: K. So I'm thinking a bit of a buffer to tap up the life and TBD down the line. The income\n\nChannel 1: Yep.\n\nChannel 0: protection, I'm gonna put a flag on because a thirty day waiting period and a two year benefit is fantastic because it fantastic because it kicks in quickly, and it covers\n\nChannel 1: Yeah.\n\nChannel 0: you for the short to medium term. But\n\nChannel 1: Yep.\n\nChannel 0: if you keep that higher cover amount and your income doesn't creep up, at some point, we probably just have to trim that back in.\n\nChannel 1: Yep. Yeah. I am there is a pay rise coming. They're back paying us to September last year. Our EVs just changed.\n\nChannel 0: Okay. Fantastic. Love to hear it. Alright. Last thing when it comes to insurances, do you recall what trauma insurance was for?\n\nChannel 1: If there's, like, a traumatic event.\n\nChannel 0: Correct. Like a traumatic diagnosis. So think of, like, life insurance you pass away, PPD is permanent,\n\nChannel 1: Yep. Yep.\n\nChannel 0: income protection is temporary incapacity, And\n\nChannel 1: Yep.\n\nChannel 0: trauma is like, you may even go back to work the next day, but you've just had a stroke. You've just had a heart attack. You've just been diagnosed with cancer. These are serious illnesses,\n\nChannel 1: Yep. Yep.\n\nChannel 0: but they haven't instantly caused one of those three, I guess, disablement, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Now that is something that we could add on. That's the fourth type of cover, the one that you don't have. But the two caveats with it is, yes, you get a lump sum, maybe a $100,000, but you have to pay for it out of pocket, can't go through your super.\n\nChannel 1: Yeah.\n\nChannel 0: And it's all linked to things like heart conditions, cancer, blood, nervous systems, which you've got a bit of a history with as well.\n\nChannel 1: Yep.\n\nChannel 0: So my, I guess, my professional judgment there is that there's probably a 65 to 70% chance that they wouldn't offer that type of cover. And then\n\nChannel 1: Yeah.\n\nChannel 0: if we got a quote for it, it could be upwards of 80 to $200 a month out of pocket.\n\nChannel 1: Yeah. No. I'm not interested anyway. That's all good. Thank you.\n\nChannel 0: Yeah. That's okay. I had to ask the question and double check because I can waive some magic and get something through. But if you\n\nChannel 1: Yep.\n\nChannel 0: prefer to have that life CBD income protection through Super, we can just keep it like that.\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Cool. Outside of that, Tanya, just to finish off a couple of things with the review, we had your beneficiaries updated.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just having a look here. Caitlin and Madison are listed 5050.\n\nChannel 1: That's correct.\n\nChannel 0: Cool. That's okay to leave as is.\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Amazing. And I'm just having a quick look at the previous goals as well.\n\nChannel 1: Yep.\n\nChannel 0: Now most everything was just hinging on settling into your new lifestyle. Obviously, you're trying to build up the deposit for the house. We've got the insurance cover, the super, and then obviously retiring debt free. And\n\nChannel 1: Yep.\n\nChannel 0: I find you how you listed at around about $8.65 for retirement. There's still another twenty one years. A\n\nChannel 1: Yep.\n\nChannel 0: lot of time to grow it, a bit more time to protect it in those last few years. Is there anything else on the go for you the next few years that's really important?\n\nChannel 1: Yes. No. Not really.\n\nChannel 0: Yep. Just get back in the property ladder, throw everything, and yeah.\n\nChannel 1: Yep.\n\nChannel 0: Like that's uh-uh. There was a flag from Kyle that you had a will in place that you were needing to update it at the time. And I'm wondering\n\nChannel 1: Yes.\n\nChannel 0: if after everything you yep. All sorted?\n\nChannel 1: I'd no. I have to do that yet.\n\nChannel 0: Oh, yes. Okay. Okay. Will. That would be handy.\n\nAnd it says that we did have, like, a power of attorney in place. So, like, if you're in hospital, someone can act on your behalf. Does that\n\nChannel 1: No.\n\nChannel 0: ring a\n\nChannel 1: I\n\nChannel 0: bell?\n\nChannel 1: I haven't got a power of attorney in place. No.\n\nChannel 0: K. Alright. Now if you're gonna update your will, I know you can do powers of attorney through the solicitors and the public trustee as well. But if you\n\nChannel 1: Yes.\n\nChannel 0: really need to, $25 power of attorney kit from the post office is government approved, and\n\nChannel 1: Okay.\n\nChannel 0: it's pretty much if I'm in hospital and can't act, who can access the bank accounts, who can talk to the doctors, and\n\nChannel 1: Yes.\n\nChannel 0: someone, you know, trusted to act on your behalf when you can't act. It's\n\nChannel 1: Yes.\n\nChannel 0: much easier than than complex will, if\n\nChannel 1: Yes.\n\nChannel 0: that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: K. Last thing I wanted to go over with you was just have you been checking how the super has been going?\n\nChannel 1: I haven't for a little bit. I did probably about a month ago.\n\nChannel 0: Oh, yep. Perfect. So you've probably seen a few things going up and down over the\n\nChannel 1: Yes.\n\nChannel 0: last few months given the news.\n\nChannel 1: Yes. I don't know how to use the app very well. I can't like, I can only see the graph.\n\nChannel 0: Yeah. If I give you a bit of a tip for that one, Tanya, the\n\nChannel 1: Yeah?\n\nChannel 0: the website is actually better than the app.\n\nChannel 1: Right. So the hub twenty four website.\n\nChannel 0: Yeah. So if you go on, like, a computer or the website on your phone, it's\n\nChannel 1: Yep.\n\nChannel 0: a bit easier to scroll through, generate reports, and things like that on the\n\nChannel 1: Okay.\n\nChannel 0: website than it is with the app.\n\nChannel 1: Right.\n\nChannel 0: They're building a bit more engagement tools soon, which I can see them on my end. And if\n\nChannel 1: Yep.\n\nChannel 0: I was having you in front of us in the office, it would look very fancy on a projector screen, but they haven't\n\nChannel 1: Yeah.\n\nChannel 0: actually filtered that through to the app yet. So the website\n\nChannel 1: Right.\n\nChannel 0: is definitely the way to go.\n\nChannel 1: Okay. I will have a look at the website.\n\nChannel 0: Absolutely. And I'm just looking through an in-depth report here as well, which I'm gonna shoot through to you. We've got all your investment options here. Do you remember that you're in that kind of recorded growth risk profile? Kinda like a four out of five on the risk scale.\n\nDoes that ring a bell?\n\nChannel 1: Yes.\n\nChannel 0: Yep. So four out of five on the risk scale still primarily focused on obviously growth because\n\nChannel 1: Yep.\n\nChannel 0: you need at least eight to nine years to be in a growth risk profile. But it sounds to me that you're not the type to wanna jump into the high risk side of it.\n\nChannel 1: No. Probably not.\n\nChannel 0: Yeah. So if we can keep on getting that eight to 9% average return, what tends to happen with growth is it may go up five, ten, 20% in the good years. And then once every seven years, there's gonna be a COVID GSE whatever event, and it\n\nChannel 1: Yep.\n\nChannel 0: may drop down ten to twenty percent. And then if we can average out at nine or above over that entire period, you're pretty well off track if that makes sense. Now from what I can see here, you've cleared about eight and a half to nine and a half\n\nChannel 1: Yes.\n\nChannel 0: percent return after fee. So even\n\nChannel 1: Okay.\n\nChannel 0: with the market dropping, you're still quite positive and growing quite well.\n\nChannel 1: Good.\n\nChannel 0: So twelve months ago, you were sitting at a 153,000. You're now just shy of a 183,000 when you combine\n\nChannel 1: Yep.\n\nChannel 0: your growth plus your contributions.\n\nChannel 1: Yep.\n\nChannel 0: K? The only thing I would probably put a bit of a flag on one of your investment options because we put eight of them together to build\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: can.\n\nChannel 0: portfolio. Like, there's some different shares, property, gold, like, all these different options invest in all these different areas.\n\nChannel 1: Mhmm.\n\nChannel 0: Seven of them have done amazing. Your Australian shares have kind of dropped a little bit, and\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna keep a bit of an eye on that one because if that doesn't pick back up, I might need to replace it with another option.\n\nChannel 1: Okay.\n\nChannel 0: K?\n\nChannel 1: Yep.\n\nChannel 0: So if you're comfortable with how that's going, are you okay for me to possibly catch up with you instead of the usual twelve month review? I was gonna maybe catch up with you before Christmas time just to\n\nChannel 1: Yeah.\n\nChannel 0: double check that with you.\n\nChannel 1: Yeah. That would be fine.\n\nChannel 0: Yep. That would be good. That way, if I need to give the old portfolio an engine, sure enough, I can. And let's say the property market's dropped and you've gotten a property then, we can maybe chop up the life and CBD there, and we can kind of diverge at one\n\nChannel 1: Yes. That sounds great.\n\nChannel 0: time. Cool. We've covered a few different areas so far, Penny. Do you have any questions for me at the moment?\n\nChannel 1: No. I think it's covered\n\nChannel 0: Okay. So the main thing that we'll do is if you're comfortable, we'll send you through that notice of intent to claim form\n\nChannel 1: everything.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: your contributions again at the end of financial year.\n\nChannel 1: Mhmm.\n\nChannel 0: And then you just need to make sure that we get that submitted and an acceptance letter before you do your tax. So\n\nChannel 1: Okay.\n\nChannel 0: because, again, if you do the other way around, if you submit the tax return quickly by accident and forget to claim it, you you'll cut off the claim. K?\n\nChannel 1: Okay. Right. Alright.\n\nChannel 0: So we will reach out to you, but if you get a a phone call, text message, email from us around the end of June, first week of July, that's where\n\nChannel 1: Yep.\n\nChannel 0: it would be for.\n\nChannel 1: Excellent. Okay.\n\nChannel 0: Cool. Now, Tanya, because we kind of combine the annual review together as well,\n\nChannel 1: Yep.\n\nChannel 0: I'm basically just going to get you a refreshed service agreement and annual review pack sent out,\n\nChannel 1: Okay.\n\nChannel 0: which will kind of include, like, if you're comfortable with us looking out for the super, it'll reset your review date for twelve months from now with a six\n\nChannel 1: Yep.\n\nChannel 0: month catch up in between, and it'll\n\nChannel 1: Yep.\n\nChannel 0: have your performance report, your insurances, financial services guide with our license details, all of that in the pack together.\n\nChannel 1: Okay. Alright. Thank you.\n\nChannel 0: K? So just so you know what that will have, we've got 1.65% for the service fees, and that's\n\nChannel 1: Yep.\n\nChannel 0: split into those monthly repayments throughout the year. And then the Superfund gets its 15% rebate off of that. Tanya, have you ever used our Odoo system before since we switched over from the old DocuSign to Odoo?\n\nChannel 1: Okay. No. I don't think so.\n\nChannel 0: Okay. So when I get that sent through, which I'll probably get through to you tonight, it'll have all your attachments at the bottom, like PDF email attachments for all of your pack.\n\nChannel 1: Yep.\n\nChannel 0: There'll be a bit of a purple button to sign the service agreement if you're comfortable with the services, and it'll basically let you scroll through the document first. And then when you're comfortable, the buttons will bring you to the signature spot.\n\nChannel 1: Yep. Okay. Alright.\n\nChannel 0: Okay? At the end of that, the last button will give you, like, save the documents so you've got your own signed copy for your\n\nChannel 1: Right.\n\nChannel 0: records as well.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Sensational. Alright. Any questions for me before I let you go for the evening?\n\nChannel 1: No. That's all. That's great. Thank you.\n\nChannel 0: No worries at all, Tanya. I really appreciate you taking the time today. And, again, just\n\nChannel 1: I\n\nChannel 0: keep an ear out for from us towards the end of next month. And then later\n\nChannel 1: will\n\nChannel 0: on in the year, I'll catch up with you again for those portfolio updates.\n\nChannel 1: okay. Wonderful. Thank you very much. So I'm working for\n\nChannel 0: Have a\n\nChannel 1: it.\n\nChannel 0: lovely day. Thank you so much.\n\nChannel 1: Yep. And Thank you. See you then. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"How may I take","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.0779414251446724}],"sentiment":"neutral","sentiment_score":0.0779414251446724,"channel":1,"num_words":4,"start":0.39999998,"end":1.22},{"sentences":[{"text":"Good afternoon, Tanya.","start":2.8799999,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.198622132341067},{"text":"It's Tommy here,","start":3.9199998,"end":4.72,"sentiment":"neutral","sentiment_score":0.10005940993626912}],"sentiment":"neutral","sentiment_score":0.14934077113866806,"channel":0,"num_words":6,"start":2.8799999,"end":4.72},{"sentences":[{"text":"baking?","start":4.64,"end":5.14,"sentiment":"neutral","sentiment_score":0.09484846889972688}],"sentiment":"neutral","sentiment_score":0.09484846889972688,"channel":1,"num_words":1,"start":4.64,"end":5.14},{"sentences":[{"text":"senior adviser from.","start":4.72,"end":6.0,"sentiment":"neutral","sentiment_score":0.06136708706617355},{"text":"How are you going?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.13381324708461761}],"sentiment":"neutral","sentiment_score":0.10276489279099874,"channel":0,"num_words":7,"start":4.72,"end":6.8199997},{"sentences":[{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.35873478651046753},{"text":"Thanks.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.46902239322662354},{"text":"How are","start":7.3599997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.15420258790254593}],"sentiment":"neutral","sentiment_score":0.28404058888554573,"channel":1,"num_words":4,"start":6.8799996,"end":7.7599998},{"sentences":[{"text":"Mhmm.","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.17593035101890564}],"sentiment":"neutral","sentiment_score":0.17593035101890564,"channel":0,"num_words":1,"start":7.52,"end":8.02},{"sentences":[{"text":"you?","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.14808984100818634}],"sentiment":"neutral","sentiment_score":0.14808984100818634,"channel":1,"num_words":1,"start":7.7599998,"end":8.26},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":8.72,"end":10.5,"sentiment":"positive","sentiment_score":0.6529243886470795},{"text":"It's a little bit chilly here, and we're trialing a bit of work from home with the fuel crisis, It's a bit interesting.","start":10.559999,"end":16.125,"sentiment":"neutral","sentiment_score":-0.10347238405729117},{"text":"What about your","start":16.345,"end":17.064999,"sentiment":"neutral","sentiment_score":-0.06070581947763761}],"sentiment":"neutral","sentiment_score":0.0016571754279235999,"channel":0,"num_words":30,"start":8.72,"end":17.064999},{"sentences":[{"text":"I can","start":16.835,"end":17.155,"sentiment":"neutral","sentiment_score":-0.0694671981036663}],"sentiment":"neutral","sentiment_score":-0.0694671981036663,"channel":1,"num_words":2,"start":16.835,"end":17.155},{"sentences":[{"text":"end?","start":17.064999,"end":17.564999,"sentiment":"neutral","sentiment_score":-0.037752196192741394}],"sentiment":"neutral","sentiment_score":-0.037752196192741394,"channel":0,"num_words":1,"start":17.064999,"end":17.564999},{"sentences":[{"text":"yeah.","start":19.715,"end":20.035,"sentiment":"neutral","sentiment_score":-0.00796416588127613},{"text":"Not too bad.","start":20.035,"end":20.755,"sentiment":"neutral","sentiment_score":0.05006590733925501},{"text":"Thanks.","start":20.755,"end":21.255,"sentiment":"neutral","sentiment_score":0.2967456579208374}],"sentiment":"neutral","sentiment_score":0.08779584281146527,"channel":1,"num_words":5,"start":19.715,"end":21.255},{"sentences":[{"text":"Good to hear.","start":22.105,"end":22.744999,"sentiment":"positive","sentiment_score":0.3507125476996104},{"text":"Good to hear.","start":22.744999,"end":23.305,"sentiment":"neutral","sentiment_score":0.28421557943026227},{"text":"Now I was just giving you a call to go through a bit of an insurance review with you if you still had time.","start":23.305,"end":28.605,"sentiment":"neutral","sentiment_score":0.06370438837135832}],"sentiment":"neutral","sentiment_score":0.11445632341007392,"channel":0,"num_words":30,"start":22.105,"end":28.605},{"sentences":[{"text":"Yes.","start":28.849998,"end":29.17,"sentiment":"neutral","sentiment_score":0.09700696170330048},{"text":"Yep.","start":29.17,"end":29.67,"sentiment":"neutral","sentiment_score":0.16333699226379397}],"sentiment":"neutral","sentiment_score":0.1301719769835472,"channel":1,"num_words":2,"start":28.849998,"end":29.67},{"sentences":[{"text":"Perfect.","start":30.6,"end":31.0,"sentiment":"neutral","sentiment_score":0.32790806889533997},{"text":"Now before I jump into that, I'm just gonna go through a quick security check with you.","start":31.0,"end":34.62,"sentiment":"neutral","sentiment_score":0.10082221425631467}],"sentiment":"neutral","sentiment_score":0.11343809506959385,"channel":0,"num_words":18,"start":30.6,"end":34.62},{"sentences":[{"text":"Yep.","start":34.53,"end":35.03,"sentiment":"neutral","sentiment_score":0.03933155536651611}],"sentiment":"neutral","sentiment_score":0.03933155536651611,"channel":1,"num_words":1,"start":34.53,"end":35.03},{"sentences":[{"text":"Do you recall your overview password?","start":34.92,"end":37.5,"sentiment":"neutral","sentiment_score":0.02550671622157097}],"sentiment":"neutral","sentiment_score":0.02550671622157097,"channel":0,"num_words":6,"start":34.92,"end":37.5},{"sentences":[{"text":"Matilda.","start":38.129997,"end":38.629997,"sentiment":"neutral","sentiment_score":0.04597154259681702}],"sentiment":"neutral","sentiment_score":0.04597154259681702,"channel":1,"num_words":1,"start":38.129997,"end":38.629997},{"sentences":[{"text":"That's the one.","start":39.56,"end":40.6,"sentiment":"neutral","sentiment_score":0.08680738508701324},{"text":"And are you okay for the call to be recorded?","start":40.6,"end":42.7,"sentiment":"neutral","sentiment_score":0.03719035275280476}],"sentiment":"neutral","sentiment_score":0.0486404371376221,"channel":0,"num_words":13,"start":39.56,"end":42.7},{"sentences":[{"text":"Yes.","start":43.185,"end":43.685,"sentiment":"neutral","sentiment_score":0.15567514300346377}],"sentiment":"neutral","sentiment_score":0.15567514300346377,"channel":1,"num_words":1,"start":43.185,"end":43.685},{"sentences":[{"text":"And sensational.","start":44.845,"end":45.665,"sentiment":"neutral","sentiment_score":0.3105333596467972},{"text":"So, Tanya, what I've got open today, I want to ask you a couple of quick questions because I've gone through your entire history with all the different medical procedures and checks and underwriting that we've done.","start":46.045002,"end":58.145,"sentiment":"neutral","sentiment_score":0.050018034472658825},{"text":"And","start":58.440002,"end":58.68,"sentiment":"neutral","sentiment_score":0.046157412230968475}],"sentiment":"neutral","sentiment_score":0.06294728517532348,"channel":0,"num_words":40,"start":44.845,"end":58.68},{"sentences":[{"text":"Yep.","start":58.51,"end":59.01,"sentiment":"neutral","sentiment_score":0.04016733542084694}],"sentiment":"neutral","sentiment_score":0.04016733542084694,"channel":1,"num_words":1,"start":58.51,"end":59.01},{"sentences":[{"text":"I'm just having a look at your current cover","start":58.68,"end":62.62,"sentiment":"neutral","sentiment_score":0.024249855428934097}],"sentiment":"neutral","sentiment_score":0.024249855428934097,"channel":0,"num_words":9,"start":58.68,"end":62.62},{"sentences":[{"text":"Yep.","start":63.15,"end":63.65,"sentiment":"neutral","sentiment_score":0.037570446729660034}],"sentiment":"neutral","sentiment_score":0.037570446729660034,"channel":1,"num_words":1,"start":63.15,"end":63.65},{"sentences":[{"text":"and kind of comparing it against what I can see is your your previous situation.","start":63.16,"end":67.58,"sentiment":"neutral","sentiment_score":0.0401742556442817},{"text":"So I wanted to kind of start there, update your details, and sort of see what your options are, if that's 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pretty much gonna get some exclusions for anything preexisting through that increased cover, which you don't currently have.","start":328.775,"end":340.65,"sentiment":"neutral","sentiment_score":-0.10682420175651024}],"sentiment":"neutral","sentiment_score":-0.053358215503394604,"channel":0,"num_words":50,"start":323.655,"end":340.65},{"sentences":[{"text":"Okay.","start":340.72,"end":341.22,"sentiment":"neutral","sentiment_score":-0.015729356557130814}],"sentiment":"neutral","sentiment_score":-0.015729356557130814,"channel":1,"num_words":1,"start":340.72,"end":341.22},{"sentences":[{"text":"So what that means is if you have any kind of pre existing health conditions or things from the past that they exclude, Let's say you've you've had a knee reconstruction and you get a knee exclusion.","start":342.87,"end":352.785,"sentiment":"neutral","sentiment_score":-0.028161998208914255},{"text":"Well, anything we increase from this point, you can't claim on that knee, but the existing policy is perfectly fine.","start":353.165,"end":360.225,"sentiment":"neutral","sentiment_score":0.03674753690138459},{"text":"Do you know what I mean?","start":360.285,"end":361.425,"sentiment":"neutral","sentiment_score":-0.0012606708332896233}],"sentiment":"neutral","sentiment_score":-0.004993765407966243,"channel":0,"num_words":63,"start":342.87,"end":361.425},{"sentences":[{"text":"Yep.","start":362.235,"end":362.735,"sentiment":"neutral","sentiment_score":0.028467027470469475}],"sentiment":"neutral","sentiment_score":0.028467027470469475,"channel":1,"num_words":1,"start":362.235,"end":362.735},{"sentences":[{"text":"Yeah.","start":363.92,"end":364.42,"sentiment":"neutral","sentiment_score":0.031498800963163376},{"text":"K.","start":364.64,"end":365.14,"sentiment":"neutral","sentiment_score":0.02287557907402515},{"text":"So what I wanted to gauge from you is waiting period wise, thirty day is is pretty standard.","start":365.28,"end":372.26,"sentiment":"neutral","sentiment_score":0.04045536927878857},{"text":"Sometimes people push it out to sixty and ninety days to make it a bit cheaper if they've got lots of savings.","start":372.4,"end":377.655,"sentiment":"neutral","sentiment_score":0.05140545828775926}],"sentiment":"neutral","sentiment_score":0.04555931212824015,"channel":0,"num_words":42,"start":363.92,"end":377.655},{"sentences":[{"text":"Yep.","start":378.02,"end":378.52,"sentiment":"neutral","sentiment_score":-0.045849110931158066}],"sentiment":"neutral","sentiment_score":-0.045849110931158066,"channel":1,"num_words":1,"start":378.02,"end":378.52},{"sentences":[{"text":"Fourteen days is the shortest, but it's also the most expensive.","start":379.235,"end":382.455,"sentiment":"neutral","sentiment_score":-0.22083451395685022}],"sentiment":"neutral","sentiment_score":-0.22083451395685022,"channel":0,"num_words":11,"start":379.235,"end":382.455},{"sentences":[{"text":"Yep.","start":383.27502,"end":383.77502,"sentiment":"neutral","sentiment_score":0.01768297329545021}],"sentiment":"neutral","sentiment_score":0.01768297329545021,"channel":1,"num_words":1,"start":383.27502,"end":383.77502},{"sentences":[{"text":"Do you feel like you can kind of make do for a few weeks before the the payments start taking you?","start":383.395,"end":389.7,"sentiment":"neutral","sentiment_score":-0.0012165003766616185}],"sentiment":"neutral","sentiment_score":-0.0012165003766616185,"channel":0,"num_words":21,"start":383.395,"end":389.7},{"sentences":[{"text":"Yeah.","start":390.075,"end":390.575,"sentiment":"neutral","sentiment_score":0.005612466484308243},{"text":"At the moment, I could probably go, yeah, I could go a little 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30.","start":407.985,"end":414.325,"sentiment":"neutral","sentiment_score":0.21241545270789752},{"text":"So","start":414.625,"end":414.945,"sentiment":"neutral","sentiment_score":0.13103966414928436}],"sentiment":"neutral","sentiment_score":0.308086306224902,"channel":0,"num_words":43,"start":401.7,"end":414.945},{"sentences":[{"text":"Yep.","start":414.875,"end":415.375,"sentiment":"neutral","sentiment_score":0.19609928131103516}],"sentiment":"neutral","sentiment_score":0.19609928131103516,"channel":1,"num_words":1,"start":414.875,"end":415.375},{"sentences":[{"text":"you kinda need that six weeks buffer.","start":414.945,"end":417.205,"sentiment":"neutral","sentiment_score":0.14158519889627183},{"text":"Perfect.","start":419.84,"end":420.24,"sentiment":"positive","sentiment_score":0.4895438849925995},{"text":"Can I just quickly ask?","start":420.24,"end":422.0,"sentiment":"neutral","sentiment_score":0.17539176046848298},{"text":"You were going through a, like, separation last year, and there was a","start":422.0,"end":426.56,"sentiment":"neutral","sentiment_score":-0.031677853817550033}],"sentiment":"neutral","sentiment_score":0.07483796076849103,"channel":0,"num_words":26,"start":414.945,"end":426.56},{"sentences":[{"text":"Yes.","start":426.5,"end":427.0,"sentiment":"neutral","sentiment_score":-0.01695121079683304}],"sentiment":"neutral","sentiment_score":-0.01695121079683304,"channel":1,"num_words":1,"start":426.5,"end":427.0},{"sentences":[{"text":"few notes on assets being sold down.","start":426.56,"end":429.37997,"sentiment":"neutral","sentiment_score":-0.048988020579729764},{"text":"Did that end up happening as well?","start":429.68,"end":431.53998,"sentiment":"neutral","sentiment_score":-0.05540207334394966}],"sentiment":"neutral","sentiment_score":-0.05219504696183971,"channel":0,"num_words":14,"start":426.56,"end":431.53998},{"sentences":[{"text":"Yes.","start":431.38,"end":431.88,"sentiment":"neutral","sentiment_score":0.008990265429019928}],"sentiment":"neutral","sentiment_score":0.008990265429019928,"channel":1,"num_words":1,"start":431.38,"end":431.88},{"sentences":[{"text":"Okay.","start":433.355,"end":433.755,"sentiment":"neutral","sentiment_score":0.0029071299359202385},{"text":"So I'm gonna run through what we've got, and then you let me know what's missing.","start":433.755,"end":437.035,"sentiment":"neutral","sentiment_score":-0.0043067686492577195},{"text":"Is that okay?","start":437.035,"end":437.775,"sentiment":"neutral","sentiment_score":0.01255315231780211}],"sentiment":"neutral","sentiment_score":-0.001417085574939847,"channel":0,"num_words":20,"start":433.355,"end":437.775},{"sentences":[{"text":"Yeah.","start":438.02002,"end":438.52002,"sentiment":"neutral","sentiment_score":0.04857444018125534}],"sentiment":"neutral","sentiment_score":0.04857444018125534,"channel":1,"num_words":1,"start":438.02002,"end":438.52002},{"sentences":[{"text":"Cool.","start":439.515,"end":439.915,"sentiment":"neutral","sentiment_score":0.1423710584640503},{"text":"So we've got the Toyota Prado.","start":439.915,"end":442.735,"sentiment":"neutral","sentiment_score":0.08454450095693271}],"sentiment":"neutral","sentiment_score":0.09280543774366379,"channel":0,"num_words":7,"start":439.515,"end":442.735},{"sentences":[{"text":"Yes.","start":443.335,"end":443.835,"sentiment":"neutral","sentiment_score":0.07702232897281647},{"text":"I still have 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sold.","start":453.21,"end":454.11,"sentiment":"neutral","sentiment_score":-0.1535611848036448}],"sentiment":"neutral","sentiment_score":-0.1535611848036448,"channel":0,"num_words":3,"start":453.21,"end":454.11},{"sentences":[{"text":"Not gone.","start":454.34,"end":455.06,"sentiment":"neutral","sentiment_score":-0.17256837338209152},{"text":"Yep.","start":455.06,"end":455.56,"sentiment":"neutral","sentiment_score":0.0053147198632359505}],"sentiment":"neutral","sentiment_score":-0.11327400896698236,"channel":1,"num_words":3,"start":454.34,"end":455.56},{"sentences":[{"text":"Yep.","start":456.425,"end":456.825,"sentiment":"neutral","sentiment_score":0.01947808265686035},{"text":"Alrighty.","start":456.825,"end":457.325,"sentiment":"neutral","sentiment_score":0.05502287298440933},{"text":"So I'll cut those off.","start":457.465,"end":458.905,"sentiment":"neutral","sentiment_score":0.01260194107890129},{"text":"You got the caravan and the 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port?","start":598.65497,"end":603.29,"sentiment":"neutral","sentiment_score":0.05298736318945885},{"text":"I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date.","start":603.67,"end":609.29,"sentiment":"neutral","sentiment_score":0.14967499518146118}],"sentiment":"neutral","sentiment_score":0.1856717205582521,"channel":0,"num_words":39,"start":592.01495,"end":609.29},{"sentences":[{"text":"We've got your Gmail address.","start":609.99,"end":612.25,"sentiment":"neutral","sentiment_score":0.16940703392028808},{"text":"Your phone number hasn't changed, and your address was updated.","start":612.31,"end":615.26996,"sentiment":"neutral","sentiment_score":0.16680845916271209},{"text":"That all looks pretty good as well.","start":615.26996,"end":620.625,"sentiment":"positive","sentiment_score":0.37228542140551973},{"text":"K.","start":621.245,"end":621.645,"sentiment":"neutral","sentiment_score":0.03179679811000824},{"text":"Now, Daniel, when it comes to the other two insurances, the life and the PPD,","start":621.645,"end":625.985,"sentiment":"neutral","sentiment_score":0.026286355530222256}],"sentiment":"neutral","sentiment_score":0.14597920637185635,"channel":0,"num_words":38,"start":609.99,"end":625.985},{"sentences":[{"text":"Yep.","start":626.64996,"end":627.14996,"sentiment":"neutral","sentiment_score":0.03175080567598343}],"sentiment":"neutral","sentiment_score":0.03175080567598343,"channel":1,"num_words":1,"start":626.64996,"end":627.14996},{"sentences":[{"text":"with those lump sums, most of the time, they're kind of there to cover paying off, like, mortgage and 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act.","start":1126.5751,"end":1131.3151,"sentiment":"neutral","sentiment_score":0.08326862351252483},{"text":"It's","start":1131.4551,"end":1131.9551,"sentiment":"neutral","sentiment_score":0.1441354751586914}],"sentiment":"neutral","sentiment_score":0.08761625577296529,"channel":0,"num_words":14,"start":1126.5751,"end":1131.9551},{"sentences":[{"text":"Yes.","start":1131.62,"end":1132.12,"sentiment":"neutral","sentiment_score":0.20300091803073883}],"sentiment":"neutral","sentiment_score":0.20300091803073883,"channel":1,"num_words":1,"start":1131.62,"end":1132.12},{"sentences":[{"text":"much easier than than complex will, 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you.","start":1578.5068,"end":1579.0669,"sentiment":"positive","sentiment_score":0.6128159562746683},{"text":"See you then.","start":1579.0669,"end":1579.9469,"sentiment":"positive","sentiment_score":0.5404874285062155},{"text":"Bye.","start":1579.9469,"end":1580.4469,"sentiment":"neutral","sentiment_score":0.2500396966934204}],"sentiment":"positive","sentiment_score":0.5100465044379234,"channel":1,"num_words":8,"start":1578.0269,"end":1580.4469},{"sentences":[{"text":"Bye.","start":1580.9669,"end":1581.4669,"sentiment":"neutral","sentiment_score":-0.10769054293632507}],"sentiment":"neutral","sentiment_score":-0.10769054293632507,"channel":0,"num_words":1,"start":1580.9669,"end":1581.4669}]},"summary":{"result":"success","short":"A representative from a medical insurance company speaks with Tanya to update her personal details and provide insurance coverage information. They discuss life insurance coverage and total disability coverage, with the maximum coverage amount and maximum coverage amount. The representative explains the process for filing a claim and offers to help with future pay increases. They also discuss the customer's coverage and premiums, updating their home address, and the importance of keeping a buffer to prevent claims. The speaker emphasizes the need for a life insurance policy and a refreshed service agreement, as well as updating beneficiaries and updating a will. They also mention a service agreement and annual review pack and suggest using the hub twenty four website to manage the portfolio. Finally, the speaker emphasizes the importance of submitting a notice of intent to claim and updating the customer's will."},"intents":{"segments":[{"text":"Now I was just giving you a call to go through a bit of an insurance review with you if you still had time. Yes.","start_word":68,"end_word":92,"intents":[{"intent":"Review insurance coverage","confidence_score":0.08298915}]},{"text":"That's how we got it consolidated in the first bid.","start_word":359,"end_word":368,"intents":[{"intent":"Consolidate insurance coverage","confidence_score":0.00090449763}]},{"text":"So I'm just gonna go $4.20.","start_word":715,"end_word":720,"intents":[{"intent":"Request pricing options","confidence_score":0.00007774226}]},{"text":"I I hope that they're not charging you too much and you can get a bit of Nope. savings built up.","start_word":1369,"end_word":1389,"intents":[{"intent":"Save money","confidence_score":0.008988536}]},{"text":"I'm just gonna update the goals there that we're saving, just building up that deposit.","start_word":1433,"end_word":1447,"intents":[{"intent":"Update goals","confidence_score":0.5379192}]},{"text":"I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date. We've got your Gmail address. Your phone number hasn't changed, and your address was updated. That all looks pretty good as well. K.","start_word":1489,"end_word":1535,"intents":[{"intent":"Check hub","confidence_score":0.33160907}]},{"text":"Now, Daniel, when it comes to the other two insurances, the life and the PPD, Yep.","start_word":1536,"end_word":1551,"intents":[{"intent":"Discuss insurance plans","confidence_score":0.0002892897}]},{"text":"What I'm sort of thinking at the moment is that if we don't have the large liability, do you have any other loans or anything that you've got in rate per month? No.","start_word":1622,"end_word":1654,"intents":[{"intent":"Determine insurance requirements","confidence_score":0.0013661702},{"intent":"Explore loan options","confidence_score":0.0038930508}]},{"text":"Remove an updated balance on the super. If you've got 400,000 worth of cover and just shy of 200,000 in super, you only really have, like, a future gap of a couple of $100 for your lump sum covers when you do get that mortgage. Would you prefer Yeah.","start_word":1722,"end_word":1770,"intents":[{"intent":"Update balance","confidence_score":0.23975407}]},{"text":"for me to kind of just, like, leave those two cover levels the same until you get that Yeah.","start_word":1771,"end_word":1789,"intents":[{"intent":"Leave cover levels","confidence_score":0.50312907}]},{"text":"So that might be something to add on, and that makes it really simple too. Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell. Yep.","start_word":1866,"end_word":1914,"intents":[{"intent":"Simplify insurance","confidence_score":0.00007114122}]},{"text":"Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell. Yep.","start_word":1881,"end_word":1914,"intents":[{"intent":"Discuss ablation surgery","confidence_score":0.05219406}]},{"text":"when you do an application, they would do all of the doctor's reports and checks and make a decision off the back of that. Yeah.","start_word":1946,"end_word":1970,"intents":[{"intent":"Provide doctor's reports","confidence_score":0.0016606294}]},{"text":"And if you need to do a bit of a top up of a couple of $100 after that when you get the mortgage, we can then do a bit of underwriting, some quotes, and an application for a top up down the line, but always Yep. keep the base there if that makes sense. Yep.","start_word":1993,"end_word":2048,"intents":[{"intent":"Apply for top up","confidence_score":0.13762774}]},{"text":"prefer to have that life CBD income protection through Super, we can just keep it like that. Yeah.","start_word":2571,"end_word":2588,"intents":[{"intent":"Request life cbd income protection","confidence_score":0.00005153746}]},{"text":"Is there anything else on the go for you the next few years that's really important? Yes. No.","start_word":2731,"end_word":2748,"intents":[{"intent":"Update will","confidence_score":0.8648018},{"intent":"Update will","confidence_score":0.76786244},{"intent":"Update will","confidence_score":0.15762617}]},{"text":"Last thing I wanted to go over with you was just have you been checking how the super has been going?","start_word":2959,"end_word":2979,"intents":[{"intent":"Check super","confidence_score":0.49975076}]},{"text":"I don't know how to use the app very well. I can't like, I can only see the graph. Yeah.","start_word":3017,"end_word":3036,"intents":[{"intent":"Use app","confidence_score":0.6788167}]},{"text":"Now from what I can see here, you've cleared about eight and a half to nine and a half Yes. percent return after fee. So even Okay. with the market dropping, you're still quite positive and growing quite well. Good.","start_word":3369,"end_word":3408,"intents":[{"intent":"Document market dynamics","confidence_score":0.000005076941}]},{"text":"Like, there's some different shares, property, gold, like, all these different options invest in all these different areas. Mhmm. Seven of them have done amazing. Your Australian shares have kind of dropped a little bit, and Yep. I'm gonna keep a bit of an eye on that one because if that doesn't pick back up, I might need to replace it with another option. Okay.","start_word":3468,"end_word":3532,"intents":[{"intent":"Compare options","confidence_score":0.0038931596}]},{"text":"I'm basically just going to get you a refreshed service agreement and annual review pack sent out, Okay.","start_word":3813,"end_word":3830,"intents":[{"intent":"Receive review pack","confidence_score":0.01656644},{"intent":"Obtain agreement","confidence_score":0.000103661725}]},{"text":"which will kind of include, like, if you're comfortable with us looking out for the super, it'll reset your review date for twelve months from now with a six Yep. month catch up in between, and it'll Yep. have your performance report, your insurances, financial services guide with our license details, all of that in the pack together. Okay.","start_word":3831,"end_word":3889,"intents":[{"intent":"Reset review date","confidence_score":0.29464254}]},{"text":"So when I get that sent through, which I'll probably get through to you tonight, it'll have all your attachments at the bottom, like PDF email attachments for all of your pack. Yep.","start_word":3958,"end_word":3990,"intents":[{"intent":"Provide documents","confidence_score":0.018445658}]},{"text":"There'll be a bit of a purple button to sign the service agreement if you're comfortable with the services, and it'll basically let you scroll through the document first. And then when you're comfortable, the buttons will bring you to the signature spot. Yep.","start_word":3991,"end_word":4034,"intents":[{"intent":"Sign service agreement","confidence_score":0.44441676}]},{"text":"Any questions for me before I let you go for the evening? No. That's all.","start_word":4070,"end_word":4084,"intents":[{"intent":"Answer questions","confidence_score":0.30616146}]}]},"sentiments":{"segments":[{"text":"How may I take Good afternoon, Tanya. It's Tommy here, baking? senior adviser from. How are you going?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.12266162782907486},{"text":"Good. Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.41387858986854553},{"text":"How Mhmm. are you?","start_word":20,"end_word":23,"sentiment":"neutral","sentiment_score":0.16353829205036163},{"text":"I'm doing absolutely fantastic.","start_word":24,"end_word":27,"sentiment":"positive","sentiment_score":0.6427725553512573},{"text":"It's a little bit chilly here, and we're trialing a bit of work from home with the fuel crisis, It's a bit interesting. What about your I can end? yeah. Not too bad. Thanks.","start_word":28,"end_word":61,"sentiment":"neutral","sentiment_score":-0.06458129733800888},{"text":"Good to hear.","start_word":62,"end_word":64,"sentiment":"positive","sentiment_score":0.34287309646606445},{"text":"Good to hear. Now I was just giving you a call to go through a bit of an insurance review with you if you still had time. Yes. Yep. Perfect. Now before I jump into that, I'm just gonna go through a quick security check with you. Yep. Do you recall your overview password? Matilda. That's the one. And are you okay for the call to be recorded? Yes. And sensational. So, Tanya, what I've got open today, I want to ask you a couple of quick questions because I've gone through your entire history with all the different medical procedures and checks and underwriting that we've done. And Yep. I'm just having a look at your current cover Yep. and kind of comparing it against what I can see is your your previous situation. So I wanted to kind of start there, update your details, and sort of see what your options are, if that's okay. Yep. Yeah. That's fine. Cool. Now in terms of just this meeting in itself, you're getting a bit closer to your annual review date. So I was wanting Yep. to know if you wanted me to kind of combine in a bit of a discussion around your super as well and Yep. combine those two today or if you were a bit short on time. Now you can go buy it. Yep. Perfect. Now one thing that I really need to start with, because that's gonna guide us quite well, is I'll quickly let you know what coverage you've got, but I need to update your assets and liabilities if that's alright too. Yep. Perfect. So I'll do a quick recap. We transferred across your original insurance policy. So it's Mhmm. come across into Hub twenty four. That's how we got it consolidated in the first bid. Does that ring Okay. a bell? Yep. Now you've got just short of 4 Yep. $100,000 worth of life insurance and total disability. So Yep. those are your lump sums. If you pass away, can never work again. There's 400,000 plus your super on top. Yep. The other thing too is you've got your income protection. So if you Yes. remember that one is kind of like if you're temporarily out of work, you get about 5,500 a month Yep. for up to two years. So it covers you kinda like short to medium term, and you have a waiting period of thirty days. So anything Yes. Yep. that you're out of work for for more than thirty days, you can then launch a claim. Yep. K? So a few things. When it comes to income protection, you can do a maximum of 70% of your income. Yep. And I last had you listed at about 82,000, but I was noting the contributions creeping up a bit. Have you had any pay rises, promotions? No. I'm doing probably a couple of hours a week extra. That's probably about all. Yep. Bit of OT. Oh, no. My permanent roster increased. Gotcha. So still doing the youth work. Yes. Yep. Okay. So 82 would be pretty close, and you're doing some contributions in there as well. While Mhmm. we're at it, did you want me to make sure that we sent you through one of those forms to claim your contributions again this year after June? Yeah. So claim them back on my tax. Yep. Understanding as well. Yep, please. Right. Yep. So I'll flag that to go through. I'm just gonna quickly look back at the contributions here because are you paid on, like, a weekly frequency or is it fortnightly? Fortnightly. Fortnightly. K.","start_word":65,"end_word":671,"sentiment":"neutral","sentiment_score":0.034763257424278056},{"text":"So I can see you're doing better. Just under 165 in personal contributions on top. And because of education, you're getting that matching program with work as well, which is really good. You've had a couple in April and a couple in May.","start_word":672,"end_word":714,"sentiment":"positive","sentiment_score":0.5849029421806335},{"text":"So I'm just gonna go $4.20. Yeah. 85,000 is pretty much the mark. Yep. So what that really means, Tanya, is that the maximum cover you can have, which is 70% of that, is about $5,000 a month. You've actually got a tiny bit more insurance cover than than your maximum. You're a little Okay. bit over insured. Okay. K? That gives you two options really, is we can either try and get them to trim it down a little bit or you leave it there as a bit of a buffer for future kind of pay increases. Yeah. Leave it there for future pay increases. Yeah. And normally, I would kind of jump at the opportunity to kind of trim the cost down a little bit. But if we do any future increases to the cover, you're pretty much gonna get some exclusions for anything preexisting through that increased cover, which you don't currently have. Okay. So what that means is if you have any kind of pre existing health conditions or things from the past that they exclude, Let's say you've you've had a knee reconstruction and you get a knee exclusion. Well, anything we increase from this point, you can't claim on that knee, but the existing policy is perfectly fine. Do you know what I mean? Yep. Yeah. K. So what I wanted to gauge from you is waiting period wise, thirty day is is pretty standard. Sometimes people push it out to sixty and ninety days to make it a bit cheaper if they've got lots of savings. Yep. Fourteen days is the shortest, but it's also the most expensive. Yep. Do you feel like you can kind of make do for a few weeks before the the payments start taking you? Yeah. At the moment, I could probably go, yeah, I could go a little while, maybe two months. Yeah.","start_word":715,"end_word":1030,"sentiment":"neutral","sentiment_score":0.009356977418065073},{"text":"Because what that's perfect. Because what'll happen is once you hit day 30, you launch your claim straight away.","start_word":1031,"end_word":1049,"sentiment":"positive","sentiment_score":0.4795611500740051},{"text":"It may take three to four weeks for it to process, and then they start back paying you from that day 30. So Yep. you kinda need that six weeks buffer.","start_word":1050,"end_word":1080,"sentiment":"neutral","sentiment_score":0.19156311452388763},{"text":"Perfect.","start_word":1081,"end_word":1081,"sentiment":"positive","sentiment_score":0.4895438849925995},{"text":"Can I just quickly ask? You were going through a, like, separation last year, and there was a Yes. few notes on assets being sold down. Did that end up happening as well? Yes. Okay. So I'm gonna run through what we've got, and then you let me know what's missing. Is that okay? Yeah. Cool. So we've got the Toyota Prado. Yes. I still have that. Still got that one. The Caravan. Yes. Still have that. Yep. Cool. There was a Land Cruiser and a Ute that was planned No. to be sold. Not gone. Yep. Yep. Alrighty. So I'll cut those off. You got the caravan and the product.","start_word":1082,"end_word":1192,"sentiment":"neutral","sentiment_score":0.026162421330809593},{"text":"That's great.","start_word":1193,"end_word":1194,"sentiment":"positive","sentiment_score":0.6290447115898132},{"text":"You had about 4,000 in savings at the time. Just wondering what your your emergency buffer's at. My well, we've sold the property. So at the moment, I've got 400 in a term deposit and 50 in a high interest savings account. Yep. K. 400 in the term deposit, and my interest savings is accessible for the 50. K. So that was the property that was sold. I'm gonna just quickly chop that one off as well. And did you not have any changes too? I just wanted to check address as well. We've got Rose Hill Drive. Is that still correct? No. That's gone. That's the Yeah. house we K. sold. Alright. Can I just quickly grab an updated address as well? Yeah. It's 18 To 20 Parkside Court, Burpengary East. Was it Burpengary East? Yes. And yep. That's in the same suburb. Cool. And are you just renting there? You didn't purchase because, obviously, you've still got the cash there. Yep. Yes. Yep. Moved in with parents and paying board.","start_word":1195,"end_word":1366,"sentiment":"neutral","sentiment_score":0.01883717474722585},{"text":"Yep. Perfect.","start_word":1367,"end_word":1368,"sentiment":"positive","sentiment_score":0.4925869107246399},{"text":"I I hope that they're not charging you too much and you can get a bit of Nope. savings built up. Yes. Yep. The the plan is to buy another house when the market drops a little bit, hopefully. Yeah.","start_word":1369,"end_word":1408,"sentiment":"neutral","sentiment_score":0.13846206665039062},{"text":"Well, hopefully, that happens a bit soon with all the changes and gives you a little bit of an opportunity. That'd be nice.","start_word":1409,"end_word":1431,"sentiment":"positive","sentiment_score":0.3935739398002625},{"text":"Yes. I'm just gonna update the goals there that we're saving, just building up that deposit. Oh, have you kind of picked out how much you can afford for a house that you're aiming for? I'd like to get something under 800,000. Yeah.","start_word":1432,"end_word":1474,"sentiment":"neutral","sentiment_score":0.18724749982357025},{"text":"That'd be a dream.","start_word":1475,"end_word":1478,"sentiment":"positive","sentiment_score":0.39344558119773865},{"text":"And a 100,000 would be nice. Could we outside port? I'm just checking your hub 24 just to make sure that's in there as well, and it looks like it's all up to date. We've got your Gmail address. Your phone number hasn't changed, and your address was updated.","start_word":1479,"end_word":1527,"sentiment":"neutral","sentiment_score":0.1617116630077362},{"text":"That all looks pretty good as well.","start_word":1528,"end_word":1534,"sentiment":"positive","sentiment_score":0.3561810851097107},{"text":"K. Now, Daniel, when it comes to the other two insurances, the life and the PPD, Yep. with those lump sums, most of the time, they're kind of there to cover paying off, like, mortgage and things Yep. like that as well and also lost income. So let's say that you're there and let's say your your TPD, if you can ever work again, you kinda need that income replacement long term up Mhmm. until retirement. Let's say beyond that two years for the income protection. Yeah. What I'm sort of thinking at the moment is that if we don't have the large liability, do you have any other loans or anything that you've got in rate per month? No. K. Because you've got all the cash sitting there. You've got the insurance. You've got the super on top. Do you need anything more in terms of life insurance, total disability insurance, or do you feel like it's pretty close to the mark? No. I think it's pretty close to the mark. And what we can kinda do I'm just having a look at your balance here. Remove an updated balance on the super. If you've got 400,000 worth of cover and just shy of 200,000 in super, you only really have, like, a future gap of a couple of $100 for your lump sum covers when you do get that mortgage. Would you prefer Yeah. for me to kind of just, like, leave those two cover levels the same until you get that Yeah. Yeah. I liability. think so. Now I'm just looking at the premiums because it is 171 a month. Mhmm. You get 15% rebate, which drops it on the $2, which is good. But if I just increase everything willy nilly and you're paying another 500, another thousand dollars, that's kind of coming out of your super slowing it down when you don't need to cover yet, if that makes sense. Yeah. Yeah. That's right. Yeah. Yeah.","start_word":1535,"end_word":1865,"sentiment":"neutral","sentiment_score":0.0005044663476889947},{"text":"So that might be something to add on, and that makes it really simple too.","start_word":1866,"end_word":1880,"sentiment":"positive","sentiment_score":0.4181317687034607},{"text":"Because if you recall, you went through quite a few chats with us about, like, your ablation surgery and different checks and medical history and things like that if that rings a bell. Yep. Yep. So what pretty much came at the back of that is that they were waiting for the ablation surgery first before Yep. before they would offer cover. And then Yes. when you do an application, they would do all of the doctor's reports and checks and make a decision off the back of that. Yeah. So the clean base that you've got is the 400,000 that we transferred to Hub. You can keep that as your baseline. And if you need to do a bit of a top up of a couple of $100 after that when you get the mortgage, we can then do a bit of underwriting, some quotes, and an application for a top up down the line, but always Yep. keep the base there if that makes sense. Yep. How does that sound for you?","start_word":1881,"end_word":2054,"sentiment":"neutral","sentiment_score":0.11621472239494324},{"text":"Yeah. Sounds good.","start_word":2055,"end_word":2057,"sentiment":"positive","sentiment_score":0.5064319968223572},{"text":"Yep. I'm not really one in the business which is getting unnecessary insurances for the sake of it. But what No. you've We got, we give them enough money. we do.","start_word":2058,"end_word":2088,"sentiment":"neutral","sentiment_score":-0.09148158661780818},{"text":"And you pay enough for the premiums already, and your cover's still pretty like, it's still pretty good.","start_word":2089,"end_word":2106,"sentiment":"positive","sentiment_score":0.38182565569877625},{"text":"If something Yep. happens for those two main events, you're pretty much gonna have a claim, no problem. Even the income protection, as long as the doctor says, hey. You're off work for three months, six months, whatever it is, they Yep. will just kick in and start paying those monthly repayments. They don't Yes. these days, they're not trying to fight tooth and nail to prevent all the claims. It's only for nondisclosure, which you won't Okay. have a problem with. Yep. K. So I'm thinking a bit of a buffer to tap up the life and TBD down the line. The income Yep. protection, I'm gonna put a flag on because a thirty day waiting period and a two year benefit is fantastic because it fantastic because it kicks in quickly, and it covers Yeah. you for the short to medium term. But Yep. if you keep that higher cover amount and your income doesn't creep up, at some point, we probably just have to trim that back in. Yep. Yeah. I am there is a pay rise coming. They're back paying us to September last year. Our EVs just changed. Okay.","start_word":2107,"end_word":2300,"sentiment":"neutral","sentiment_score":0.0034328389447182417},{"text":"Fantastic. Love to hear it.","start_word":2301,"end_word":2305,"sentiment":"positive","sentiment_score":0.45037952065467834},{"text":"Alright. Last thing when it comes to insurances, do you recall what trauma insurance was for? If there's, like, a traumatic event. Correct. Like a traumatic diagnosis. So think of, like, life insurance you pass away, PPD is permanent, Yep. Yep. income protection is temporary incapacity, And Yep. trauma is like, you may even go back to work the next day, but you've just had a stroke. You've just had a heart attack. You've just been diagnosed with cancer. These are serious illnesses, Yep. Yep. but they haven't instantly caused one of those three, I guess, disablement, if that makes sense. Yep. Now that is something that we could add on. That's the fourth type of cover, the one that you don't have. But the two caveats with it is, yes, you get a lump sum, maybe a $100,000, but you have to pay for it out of pocket, can't go through your super. Yeah. And it's all linked to things like heart conditions, cancer, blood, nervous systems, which you've got a bit of a history with as well. Yep. So my, I guess, my professional judgment there is that there's probably a 65 to 70% chance that they wouldn't offer that type of cover. And then Yeah. if we got a quote for it, it could be upwards of 80 to $200 a month out of pocket. Yeah.","start_word":2306,"end_word":2534,"sentiment":"neutral","sentiment_score":-0.12500534691404566},{"text":"No. I'm not interested anyway.","start_word":2535,"end_word":2539,"sentiment":"negative","sentiment_score":-0.4339117109775543},{"text":"That's all good. Thank you. Yeah. That's okay. I had to ask the question and double check because I can waive some magic and get something through. But if you Yep. prefer to have that life CBD income protection through Super, we can just keep it like that. Yeah. I think so. Cool. Outside of that, Tanya, just to finish off a couple of things with the review, we had your beneficiaries updated. Yep. And I'm just having a look here. Caitlin and Madison are listed 5050. That's correct. Cool. That's okay to leave as is. Yes.","start_word":2540,"end_word":2636,"sentiment":"neutral","sentiment_score":0.04566974565386772},{"text":"Thank you. Amazing.","start_word":2637,"end_word":2639,"sentiment":"positive","sentiment_score":0.4819208085536957},{"text":"And I'm just having a quick look at the previous goals as well. Yep. Now most everything was just hinging on settling into your new lifestyle. Obviously, you're trying to build up the deposit for the house. We've got the insurance cover, the super, and then obviously retiring debt free. And Yep. I find you how you listed at around about $8.65 for retirement. There's still another twenty one years. A Yep. lot of time to grow it, a bit more time to protect it in those last few years. Is there anything else on the go for you the next few years that's really important? Yes. No. Not really. Yep. Just get back in the property ladder, throw everything, and yeah. Yep. Like that's uh-uh. There was a flag from Kyle that you had a will in place that you were needing to update it at the time. And I'm wondering Yes. if after everything you yep. All sorted? I'd no. I have to do that yet. Oh, yes. Okay. Okay. Will. That would be handy. And it says that we did have, like, a power of attorney in place. So, like, if you're in hospital, someone can act on your behalf. Does that No. ring a I bell? I haven't got a power of attorney in place. No. K. Alright. Now if you're gonna update your will, I know you can do powers of attorney through the solicitors and the public trustee as well. But if you Yes. really need to, $25 power of attorney kit from the post office is government approved, and Okay. it's pretty much if I'm in hospital and can't act, who can access the bank accounts, who can talk to the doctors, and Yes. someone, you know, trusted to act on your behalf when you can't act. It's Yes. much easier than than complex will, if Yes. that makes sense. Yep. K. Last thing I wanted to go over with you was just have you been checking how the super has been going? I haven't for a little bit. I did probably about a month ago. Oh, yep. Perfect. So you've probably seen a few things going up and down over the Yes. last few months given the news. Yes. I don't know how to use the app very well. I can't like, I can only see the graph. Yeah. If I give you a bit of a tip for that one, Tanya, the Yeah? the website is actually better than the app. Right. So the hub twenty four website. Yeah. So if you go on, like, a computer or the website on your phone, it's Yep. a bit easier to scroll through, generate reports, and things like that on the Okay. website than it is with the app. Right. They're building a bit more engagement tools soon, which I can see them on my end. And if Yep. I was having you in front of us in the office, it would look very fancy on a projector screen, but they haven't Yeah. actually filtered that through to the app yet. So the website Right.","start_word":2640,"end_word":3161,"sentiment":"neutral","sentiment_score":0.0464738529225476},{"text":"is definitely the way to go.","start_word":3162,"end_word":3167,"sentiment":"positive","sentiment_score":0.3648441731929779},{"text":"Okay. I will have a look at the website. Absolutely. And I'm just looking through an in-depth report here as well, which I'm gonna shoot through to you. We've got all your investment options here. Do you remember that you're in that kind of recorded growth risk profile? Kinda like a four out of five on the risk scale. Does that ring a bell? Yes. Yep. So four out of five on the risk scale still primarily focused on obviously growth because Yep. you need at least eight to nine years to be in a growth risk profile. But it sounds to me that you're not the type to wanna jump into the high risk side of it. No. Probably not. Yeah. So if we can keep on getting that eight to 9% average return, what tends to happen with growth is it may go up five, ten, 20% in the good years. And then once every seven years, there's gonna be a COVID GSE whatever event, and it Yep. may drop down ten to twenty percent. And then if we can average out at nine or above over that entire period, you're pretty well off track if that makes sense. Now from what I can see here, you've cleared about eight and a half to nine and a half Yes. percent return after fee. So even Okay. with the market dropping, you're still quite positive and growing quite well.","start_word":3168,"end_word":3407,"sentiment":"neutral","sentiment_score":-0.04361479356884957},{"text":"Good.","start_word":3408,"end_word":3408,"sentiment":"positive","sentiment_score":0.4188562035560608},{"text":"So twelve months ago, you were sitting at a 153,000. You're now just shy of a 183,000 when you combine Yep. your growth plus your contributions. Yep. K? The only thing I would probably put a bit of a flag on one of your investment options because we put eight of them together to build I your can. portfolio. Like, there's some different shares, property, gold, like, all these different options invest in all these different areas. Mhmm.","start_word":3409,"end_word":3486,"sentiment":"neutral","sentiment_score":0.1070655661706741},{"text":"Seven of them have done amazing.","start_word":3487,"end_word":3492,"sentiment":"positive","sentiment_score":0.5226645469665527},{"text":"Your Australian shares have kind of dropped a little bit, and Yep.","start_word":3493,"end_word":3504,"sentiment":"negative","sentiment_score":-0.3626598119735718},{"text":"I'm gonna keep a bit of an eye on that one because if that doesn't pick back up, I might need to replace it with another option. Okay. K? Yep. So if you're comfortable with how that's going, are you okay for me to possibly catch up with you instead of the usual twelve month review? I was gonna maybe catch up with you before Christmas time just to Yeah. double check that with you. Yeah. That would be fine. Yep.","start_word":3505,"end_word":3585,"sentiment":"neutral","sentiment_score":-0.011977366171777248},{"text":"That would be good.","start_word":3586,"end_word":3589,"sentiment":"positive","sentiment_score":0.4461374878883362},{"text":"That way, if I need to give the old portfolio an engine, sure enough, I can. And let's say the property market's dropped and you've gotten a property then, we can maybe chop up the life and CBD there, and we can kind of diverge at one Yes.","start_word":3590,"end_word":3637,"sentiment":"neutral","sentiment_score":0.05167349427938461},{"text":"That sounds great. time. Cool.","start_word":3638,"end_word":3642,"sentiment":"positive","sentiment_score":0.5516338348388672},{"text":"We've covered a few different areas so far, Penny. Do you have any questions for me at the moment? No. I think it's covered Okay. So the main thing that we'll do is if you're comfortable, we'll send you through that notice of intent to claim form everything. for Yep. your contributions again at the end of financial year. Mhmm. And then you just need to make sure that we get that submitted and an acceptance letter before you do your tax. So Okay. because, again, if you do the other way around, if you submit the tax return quickly by accident and forget to claim it, you you'll cut off the claim. K? Okay. Right. Alright. So we will reach out to you, but if you get a a phone call, text message, email from us around the end of June, first week of July, that's where Yep. it would be for.","start_word":3643,"end_word":3795,"sentiment":"neutral","sentiment_score":0.04142365604639053},{"text":"Excellent. Okay. Cool.","start_word":3796,"end_word":3798,"sentiment":"positive","sentiment_score":0.5799782276153564},{"text":"Now, Tanya, because we kind of combine the annual review together as well, Yep. I'm basically just going to get you a refreshed service agreement and annual review pack sent out, Okay. which will kind of include, like, if you're comfortable with us looking out for the super, it'll reset your review date for twelve months from now with a six Yep. month catch up in between, and it'll Yep. have your performance report, your insurances, financial services guide with our license details, all of that in the pack together. Okay. Alright.","start_word":3799,"end_word":3890,"sentiment":"neutral","sentiment_score":0.1341969668865204},{"text":"Thank you.","start_word":3891,"end_word":3892,"sentiment":"positive","sentiment_score":0.33730006217956543},{"text":"K? So just so you know what that will have, we've got 1.65% for the service fees, and that's Yep. split into those monthly repayments throughout the year. And then the Superfund gets its 15% rebate off of that. Tanya, have you ever used our Odoo system before since we switched over from the old DocuSign to Odoo? Okay. No. I don't think so. Okay. So when I get that sent through, which I'll probably get through to you tonight, it'll have all your attachments at the bottom, like PDF email attachments for all of your pack. Yep. There'll be a bit of a purple button to sign the service agreement if you're comfortable with the services, and it'll basically let you scroll through the document first. And then when you're comfortable, the buttons will bring you to the signature spot. Yep. Okay. Alright. Okay? At the end of that, the last button will give you, like, save the documents so you've got your own signed copy for your Right. records as well. Okay. Alright. Sensational. Alright. Any questions for me before I let you go for the evening? No. That's all.","start_word":3893,"end_word":4084,"sentiment":"neutral","sentiment_score":0.08506495505571365},{"text":"That's great. Thank you.","start_word":4085,"end_word":4088,"sentiment":"positive","sentiment_score":0.5453044772148132},{"text":"No worries at all, Tanya.","start_word":4089,"end_word":4093,"sentiment":"neutral","sentiment_score":0.17106707394123075},{"text":"I really appreciate you taking the time today. And, again, just I keep an ear out for from us towards the end of next month. And then later will on in the year, I'll catch up with you again for those portfolio updates. okay. Wonderful. Thank you very much. So I'm working for Have a it. lovely day. Thank you so much. Yep. And Thank you. See you then.","start_word":4094,"end_word":4162,"sentiment":"positive","sentiment_score":0.5278916358947754},{"text":"Bye. Bye.","start_word":4163,"end_word":4164,"sentiment":"neutral","sentiment_score":0.2143407911062241}],"average":{"sentiment":"neutral","sentiment_score":0.054369078869079455}}}}