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Now have you worked with a financial adviser before or previously there, Jesse? Yep. Not a problem at all. And then sorta what was your your main purpose for sort of reaching out and just wanting to to seek financial advice? Is there anything particular on your mind? Yep. Yeah. Yeah. Perfect. Net. Great. And who was that again, sorry, that referred you on? Justin John what was the last name again? Yep. Okay. No. Not a problem. Yeah. Just so we're aware he referred you on. That's fine. And then in regards to that, obviously, you know, super is just part of what we do there as well. And I know potentially, you were looking at sort of a range of things sort of down the track as well. But is this, like, superannuation the main thing that you wanted to address? Brilliant. Yes. So the main thing you wanna achieve out of having a financial adviser just would be to ensure that money that you have working a bit harder for you and you just know what sort of going on. Just get a bit more information about, like, what you can do and what you can't do and what the better option probably Great. Now I will go on through and confirm a few details there just to make sure it is all accurate there. So at the moment, you're at 22 Condor Close. Okay. There's a bit of a time for that. Brilliant. And then just the the three children at home, and you're married to your spouse currently? Right. Obviously, you can provide the next of kin details at a later date if you were obviously happy and came on board. It's not something we particularly need, like, at this stage unless it comes to, like, the estate planning side of things. Now, obviously, like you said, you're you're in a position where you've got a house, you've got a few assets, you know, you've got the kids in that as well. So estate planning is, like, an important part to play within that as well. So whether or not your beneficiary forms with your new superannuation or getting a valid will put in place, those are all yep. And we can give you just some general information of a local lawyer here. Now, obviously, you're in New South Wales. You're not local to the the Gold Coast here, but it's just an information pamphlet, some general information about wills and estate planning, and the general sort of costing of that. Now you can obviously do that in conjunction with your partner. In addition to that, if you just want something in place, but you don't really wanna go through the hassle of everything, you can get, like, a post office will. They're not the most ironclad thing, but it is cheaper, normally around, like, the $50 mark. And if you fill them out sort of the best of your ability and follow the instruction, at least you've got something in place that is in writing as opposed to everyone sort of fighting at the end of the day as well because it tends to bring out the the worst in people, unfortunately. Exactly. And then as far as your role goes there, your crane operator there, so you're in and out of the cranes end on the sort of construction site doing the the shackling and everything as well? Brilliant. And then in regards to that as well, are you, like, doing the at highlights work with that, or is it mainly just the drivable cranes? Yeah. Yeah. Because obviously when it comes down to insurance wise when looking at that as well, because you've got insurance in your current fund there currently. Now in in regards yeah. Regards to that, your occupation and then with your height and weight, I have here you've a hundred and eighty five centimeters and a hundred and eighty five kilos. Is that correct? Eighteen. Okay. I thought yeah. I thought that was quite high. Insane that one eighteen. Perfect. Now with that mainly so obviously, originally, there, my main concern was the weight side of things. If it was that high, it would sort of look to look at instant declines. Now in regards to that currently, it's mainly the occupation now. Now the the risk of that and being your occupation that you do do hazardous activities, I know that may sound weird for yourself, but, you know, working at, yeah, working at heights out on the construction sites, it may come back that your occupation may be listed as, like, a worse occupation. But yeah. But, like yeah. For total permanent disability and those sort of things, it means you'll get, like, an ADL definition. So with that an ADL cover, it's not the most comprehensive. It can be used in conjunction with the cover that you do have in terms of, like, popping up to get the amounts, looking if we can get IP and things like that as well. Because currently, you've got the life in TPD, but as you said, it's not a huge amount. Now yeah. And you can look to, like, increase your cover with Cbus. You do have to do, like, a level of underwriting with them when doing the forms, and you can look at topping that up. Now within regards to that, they do, like, a small health questionnaire sort of thing in regards to that, and you can still look at increasing that level of cover. And what you do there is you still get a higher amount, but it is group cover at the end of the day. And then also with that, you restart sort of any exclusion periods you might have. So with those top ups amounts, normally, they'll maintain the previous portion of, like, the 200,000 you have and the $1.45 of the TPD. But anything above that is similar to if you went to a retail policy anyway. Whereas anything that might be preexisting that amount of cover and when that was taken out, say if you have, like, a plate put in your arm, you might end up with, like, an exclusion on a retail policy, but then that also might not be covered on that increased amount anyway even though because the weird thing about group insurance is underwritten at the time of claim. So they won't actually tell you if you're able to claim on it for certain conditions until such time it's assessed when you come down the track to one of those conditions and paying that out potentially. Now life is life at the end of the day. The main thing that you have currently is the one forty five of total permanent disability. That if something were to occur where you've got something that previously occurred his like health wise or health history wise, it may be a claimable thing. So, generally, you wanna look at trying to keep that. Now we'll obviously do the pre assessments and see what comes back, but worst case scenario, we can look at retaining a portion of your fund in CBIZ, mainly just to keep those insurances active. And then the majority of your funds can go towards another portfolio, another superannuation that's working a bit harder for you, like you said, and potentially looking at a bit of pop up cover as well to bridge the gap for your lack of insurance with regards to IP and also under insurance with the life and TPD side of things. Yeah. And yeah. And then with that, obviously, it's not the most ideal thing having two funds in saying that you can Yeah. Yeah. So both would pay out. It's the same as having two policies. Obviously, just paying just having two funds across, like, the board. You're paying a little bit more administration fees. But with that, if you did end up with any exclusions or loadings that predate your funds existence, so when you had your fund open, the likelihood that, like, an injury would pay towards that TPD claim, it might be higher than if the retail policy with that exclusion, if that makes sense. Yeah. Obviously, we'll see what the pre assessment say as well. And then if you end up with ADL cover, it's pretty harsh in terms of definition. The good thing with that, though, is you do end up with a cheaper sort of cost and outcome with that one. We'll even have a look and see what the the cost of increasing your cover looks like with Cbus and what that may sort of look like as well. Brilliant. And I have here, at the moment, you're doing around the sort of ninety hour week as a max, but overall, it you're a thirty eight hour full time employee. Yep. Perfect. Narrow it down when you are a bit of yeah. No. I completely understand. And would you know roughly what your base is if you just did your base hours, what that would be? Yeah. No. That it's not a huge thing because obviously, you get superannuation paid on your full salary. And then also in regards to replacing income, if we're looking at income protection, if it's available, you probably wanna aim for that $1.30 mark just because it's what you sort of regularly getting even with the the amount of times that you're doing. Yeah. Or is it more than that? Yep. Yep. Okay. No problem. Yeah. Because, generally, you with income protection, you only could cover 70% of the income that you're earning. So say if you did a slow year where you're only doing your sort of base amount plus a little bit of overtime between that forty and fifty and earning the one thirty, you'd only be able to claim 70% of that. But if you've insured yourself for, like, $1.50, income protection is the more expensive insurance as well. And then if you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty, if that makes sense. Plus in addition to that one, given that you don't have any debts, at the moment, apart from the mortgage, it's really you're moving more towards being self insured in earlier age anyway. Like you said, if you were to take on the investment property debt and sort of refinance a little bit and sort of have more debt on the primary residence or have, you know, solely just to the investment property being interest only and not really having any down payment for that one, The the benefit is if something, you know, hits the fan, you can always sell the investment property. Obviously, it's not the most liquid, but it's a debt that you have that you can wipe off if you were to sell. Now, obviously, depending on markets, you may potentially win or lose, but we don't typically insure for that anyway because of the fact that it is a disposable asset. So you'd mainly be looking at just covering for, yeah, the debt for the resident and maybe some income replacement, you know, because you've got the young family and your partner and things like that as well. So given you're a bit younger, you'd probably look around that sort of seven point five to ten years maybe income replacement plus your debt offsetting, like, your super amount because you've obviously still got your superannuation that pays out if something were to happen Just as a sort of amount to to see what you, like, wanna cover for in the event that you're unable to work again, which is the main one. If you're you're gone, obviously, it's, you know, it's quite harsh and it's quite, you know, daunting to think about, but there's not an ongoing expense in regards to yourself. If you injured yourself where you can't work but you're still there, you're more of an ongoing expense and that costs more to live as well, which is the the main thing in regards to TPD that you wanna do look for in terms of, like, replacing your income for as well. Now give given that as well and given your debt, it obviously can work out to be quite a large amount. So it would work out to be, you know, upwards of that, like, around the 1,500,000.0 worth of life in TPD, which can be sound like a quite large figure when it comes to that. Is that something you'd be looking to to cover up to? Would you feel like if the debt was gone and you only had, like, a few years income replacement, that'd be better and you'd only really wanna cover for, you know, debt plus a few years? Or have you really thought about it too much? Not re really in terms of it. Like, obviously, you're preparing like, it's a risk mitigation tool at the end of the day. Like, there's no sort of guarantee that you're gonna kick the bucket early. So it's something that you're you're paying for just in the event that it did happen and, like, that protection for your family. So even if you looked at, like, a flat million dollars worth of cover, that's, like, your your debts plus, like, that five sort of year maybe mark of income protection when taking into account your super. So with that, you know, if you're still there, it can cover costs, you know, like some ongoing schooling expenses plus medical costs and stuff for the the family. And then we can show you what that sort of pricing looks like. If you see that and you wanna look at potentially increasing that as well, we can sort of have that conversation. Obviously yeah. Yep. Obviously, we'll take into account, like, if you're retaining things like that and not as well and what that sort of looks like. Now in regards to the income protection side of things, have you had a thought about, like, what you're sort of trying to recover for or, like, the the waiting or benefit periods of that, like, with the income protection? Yeah. No. That's no problem. No. Completely fine. So with in regards to income protection, the waiting periods for that is generally the starting is thirty days. So you'd have to be off work for thirty days before you can make a claim on income protection generally anywhere. Now, obviously, certain sort of funds and things like that do, like, a fourteen day, but then, obviously, you see the group cover or it's quite expensive. Now you can do up to sixty and ninety day waiting periods, but given that they are cheaper, but they're less comprehensive in the sense that you've got to injure yourself or be sick to the point where you're off for maybe two months or maybe three months before you could even make a claim at that. So thirty days is generally sort of, like, quite comprehensive. Brilliant. And what because I didn't have your EBA down here. What's the name of that if you don't mind, or is it just the one under Borga Crane? Off. Perfect. Yep. Brilliant. I'll have a look at that. And then and then that carries across if you stay with that union, obviously, that benefit as long as you're working. Yeah. Right. And then with that, do you know if there's any other insurance associated with that one, or is it just the income protection? Perfect. We'll have a quick look at that as well because, obviously, Breeze better when it comes to insurances if you're not paying for it. Yeah. Yeah. Yeah. That's the the same as most insurers anyway in terms of that. And then does that cover you outside of work as well or only brilliant. Yeah. So it sounds like it is quite, like, comprehensive in that sense. It may only be a two year benefit period. Been saying that we'll find out that information and let you know anyway when we do the research into that. So we'll mainly look at the life and TPD. Now the other insurance there is trauma cover. Now trauma cover is like an out of pocket cost that covers an event for things like heart attack, strokes, those sort of events that you're not maybe sort of able to claim on an income protection policy or may not be total permanent disability, but you may still want some time off work to deal with those injuries, sicknesses, those sort of things. Because if you have a heart attack, you may only be off for, you know, a couple weeks and still have to go back to work, but you may wanna take a few months just to, you know, rec recoup. So it is a lump sum benefit that generally pays out on the event of those traumatic types events. It's different with each sort of policy. The main ones are certain types of cancers, strokes, heart attacks, those sort of things. And then, generally, you cover for about a year's worth of income or, like, you know, just flat figures. So whether or not it's, like, a 100,000 and you pay for that out of pocket in the auto chance that one of those events do occur. And then that just means that you just have the added lecture layer of protection. And it is one of the more claimed on insurances actually as well. Yeah. No. It's perfectly fine. Like, the options are there. We can sort of show you what it looks like cost wise, and then you can just say yes or no when it comes down to it. Yeah. No problem. Yeah. We'll include it in the advice document. And then that way, when it comes down to accepting it, yes or no, you just basically say, I don't wanna proceed with the trauma side of things anyway. And then, yeah, that way you've got it in the document. You can see the, like, advantages and that of of it having it as well and just seeing what that looks like and making an informed decision there. Brilliant. In regards to your salary sacrifice there as well, you're doing the 5% weekly at the moment. Are you looking at changing that at all? Are you happy with that amount? Or Yep. Yep. Yeah. So there's a few ways to think about, like, contributing more to super. Like, obviously, you're on the younger side of things. So the biggest disadvantage there is you can't access it until you hit 60, like a major condition of release or something does happen. But given that it's, like, 5% and you're on a pretty good wicket and, you know, you you don't have a huge amount of debt and you're not looking at doing any sort of other investments currently, it's a good way to get your super growing and compounding early. And in that way, you get a bit of a head start. It's a lot harder to, like, sort of chase it towards the end because a dollar invested today is obviously better than a dollar sort of invested tomorrow. You've got it there working harder for you now as opposed to trying to chase it at the back end. If you can afford to do it, it's never sort of a bad thing. And then if you're sort of mindful that you're not exceeding those 30,000 concessional, that's the yeah. And then the other thing to be mindful of as well, obviously, you're not really close to it yet, but the, you know, the div two nine six that they're bringing out where they might tax you more if your super goes over 3,000,000. Now because of your your age and if you do sort of hit that 30,000 each year, you know, up until retirement, you may be getting quite close if it your super is performing quite well, which is something to be mindful of. But in the the shorter term now, you can get a bit of a head start on your your superannuation. And then sort of once you look at that property down the the track and maybe adjusting your cash flow and things like that, then you can look at maybe changing it to where you're putting your investment somewhere else. Because at the moment, if you're taking home that pay anyway, it's probably just gonna either go towards the mortgage and offset that, or it's just gonna sit cash in the bank or you'll end up spending it anyway. Yeah. Yep. Yep. And is is your partner still currently off work as well? Yeah. Okay. Because within regards to that as well, you can look at doing spousal contributions to your spouse's fund as well and then being able to claim an eligible deduction for that when it comes to your taxes as well. Now it's not like the the biggest amount. So if you wanted to contribute, like, say, $3,000 to her superannuation fund, then when it comes to to tax time there, you can look at getting a tax offset for that money you've contributed towards her superannuation there as well as opposed to just letting it sit idle. And it's up to 5 $140 that you can sort of claim as a tax offset is, like, the maximum amount. So it's not a huge amount in terms of, like, what you do get back, but it's a way if you wanted to grow her superannuation as well or if you're happy just doing it towards your own where you get your own sort of 15%. Yeah. It does compound a lot better when you just sort of have the the higher amounts in the the one fund there as well. Obviously, if she plans on returning to work, things like that, that's obviously things to think about. But, yeah, if you're happy just doing it to yours and then, obviously, when it comes down to splitting it when you sort of retire and then breaking it down that way, that's fine as well. Brilliant. And then as far as assets and liabilities here, I don't I just got the house, the two cars. But do you have, like, a bit of a savings built up as well? Or perfect. Yeah. Because given those like, obviously, I'm not a mortgage broker, but given the, like, the loan to to debt ratio you've got there and that savings as well. Now the good thing at the moment with in regards to investment properties in Australia, even though they're talking about maybe changing the capital gains rules with it, investment properties, you still get to offset a 100% of the interest earned on investment properties or investments within Australia. So in saying that, you're more than in a position that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well. So that mortgage brokers are paid, like, through the institutions they work with, so they have their own separate thing. They're just trusted partners that we could pass you along to just even have the conversation. Because oh, okay. Yeah. Great. Would you go back through them or would you wanna sort of be referred on to one of the people? Yep. Because I can even just, like, pass your details along to them as well just to have a conversation, see what that might look like, and see if you're willing to do it or just have a conversation and then sort of set yourself up potentially as well at a later point. Because, you know, given that you've only got that, the next sort of step is either sort of looking at another investment maybe outside of super whether that is property or maybe sort of like an investment bond and IDPS or things like that. Given that, you know, given your ages and the the amount of debt you're paying off, you can build your wealth faster through other people's money. So borrowed money, you can obviously you take on the risk of borrowed money, but you're able to get higher returns and have greater assets that can get you those whether or not that's like an investment portfolio, another investment property, things like that as well because you've already got the primary residence, and you'll more than likely have that paid off a lot sooner than your retirement ages as well. So I can pass your details along to them, and they can sort of just reach out and have a conversation about that as well. Even if you don't go with us or not, you can still use their service. Same sort of thing goes. If you don't wanna go through them, you can always sort of still go through with us, and then we've even got a few other partners that we can refer you on to if you just don't like the person as well. No problem. And then with in regards to your your health there, I know you're taking the blood pressure tablets at the moment. Is there any other sort of health conditions that you've had previously? Any surgeries, things like that in the last sort of five to ten years? Few broken bones as a kid, but that's sort of about it. Yep. Not a problem. Because with that one, we obviously do that pre assessment process now. How much sort of time I don't wanna take up too much of your afternoon because we can do it now. We can okay. Brilliant. Because after this phone call, I can transfer you through to one of my colleagues, and they can go through that pre assessment process. They ask a little bit more about your work. In addition to that, they do a bit about family history and then your own history. And then any conditions that do come up, so they might mention the appendix and just write a little few things down. We send those off to the insurer just to see how they'll rate you in terms of, like, risk and your sort of medical history to get the terms back. Now the main thing there generally is probably just gonna be the occupation, but, obviously, we'll just wait and see how they they rate you as well. Not a problem. And this is a bit of a random question there as well. Now you're not politically exposed person at all. You don't have any family and politics. You haven't taken up the the cloak or anything? Okay. Great. And then the yeah. It's it's the anti money laundering, funnily enough, because obviously politicians deal with, you know, they can have, you know, lump sums that come in, and then we've got to find out where that comes from. That in addition to, yeah, the fact that more people are more inclined to have more details on a political person that they might call up, try and impersonate, or steal their money. As long as yeah. Brilliant. And then you're not a tax resident for anywhere else but Australia? Right. And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there. Just touch on insurances and see, you know, if you can get more adequate cover for where you're at in life. And then maybe the investment property or another investment down the track, but are there any other goals that you're working towards at the moment? Perfect. Right. Looks, keep it simple, stupid. You know, if you're happy yeah. Don't make it harder on yourself. Life's hard enough. Brilliant. And I will run through a quick risk profile questionnaire just to gauge where you sort of at with risk. Now your current portfolio is in a growth. Now I'm not too sure how much you sort of looked into it or not, but a growth is roughly around, like, an eighty twenty split or at least that's how we gauge it. Sebas with the portfolio in, I think it's closer to, like, a seventy five twenty five sort of split in terms of, like, the growth assets versus defensive. So I'll run through these questions and see how you sort of come out in regards to risk and see where we might end up placing you in terms of that to be out of, you know, get those returns and what that sort of looks like. Now would you consider yourself a bit of a risk taker? You know, do you have a punt occasionally? Do you take the odd occasional risk? Yeah. You wouldn't consider yourself like a very high risk taker or anything like that? You're not gambling large amounts of money or things like that? Perfect. And then in regards to investment markets, obviously, you're aware of sort of how they work. But other than that, you're sort of out of sight, out of mind, you're not to sort of invest in it? You don't sort of pay too much attention? Bit more inclined to pay attention when the news is on when they're mentioning the markets and what's going on. Right? So you're aware, like, when the markets are sort of fluctuating, when the ups and downs, it's pretty hard to miss, you know, when a bomb's going off. But yeah. Yeah. Completely understand. And then with in regards to investments previously, have you sort of taken on any risk within shares, things like that, or any sort of other market risks apart from like yeah. Yeah. And would you say you learn the sort of risk reward with that? Did it go up? Did it go down? And then with investments now, obviously, you can't access super for quite a long period. But with other investments, you're still, like, sort of trying to build that wealth. You're not looking at access investments. You're trying to, you know, grow it for the long term. Perfect. And then with inflation, obviously, things get a bit more expensive at the time. You probably realize that more than most with the kids and the cost of living. But would you say you're willing to take on a higher amount of risk to try and outpace the inflation and make sure your money is actually growing and not just sort of devaluing? Perfect. And then if your investment was to go the ups and the downs like your crypto there, how much would it have to sort of fluctuate before you got concerned? Like, if it dropped by 25%, would you sort of be, you know, up in arms or, are you quite comfortable given those level of fluctuations? Yeah. Exactly. And the good thing about, like, yourself is that you've got the time on your side to be able to recoup those sort of dips in the market. And you're able to take on a little bit more risk now as opposed to later, especially when you're contributing more heavily. You know, you take on that level of risk, invest a little bit harder to get those higher returns. Obviously, if you're in a fund like KeyBass where you're not sort of getting the the rewards and benefit of that at the moment, it can be a little bit sort of disheartening, but we can sort of look to put you in a position that might sort of yield better better returns there for you as well. And then if it was to take a bit of a dip, would you still feel comfortable putting money in there to investing for that growth when it does rebound? Perfect. Because obviously, you know, we consider it a bit of a file sale, especially for, like, younger people when markets do take a bit of a a drop because you're not looking at selling out anyway. And then if anything, you're buying more for less at that current time for when it does return. Yep. Right. Yes. Sometimes you you just get in at the right time, and you don't have to worry about time in the market. It just works out for you. Yeah. Exactly. And giving you in a good position with the house and how much that's increased in value. You're in a good spot there as well. Perfect. And then at the moment there, you're just looking at maybe investment property down the track. But would you ever put borrowed money into things like an investment portfolio or things like that later down the track when you sort of, you know, set yourself up quite nicely? So as in, like, if you've no. That's perfectly fine. So if you say, you know, had your investment property and had your primary residence that was largely debt free, if you were to sort of withdraw back on that maybe or take out a loan, given that you've got equity and other assets there for, like, a 200,000 and then putting that into a share portfolio, much like superannuation, but, like, outside superannuation so that you've got a different type of investment and you're using that borrowed money to leverage against shares, just not against property. Yeah. Obviously, it's one of the, like, the later things of, like, branching out when it terms it comes towards, like, your financial thing. Generally, it's like, you know, get yourself set up, maybe have a a small investment, but mainly look towards, like, getting a primary residence or having that investment property and then looking at branching out from that. You know? Because as you do start to reduce those debt levels and you can afford to still take on that that risk of borrowed money and being able to repay those loans, you can get more by, you know, someone else's money being added on top of that, and you're just gearing for greater returns. Now, obviously, the downside of that is if the market takes a dip, then you're still liable for the loans that are taken out for those investments. But if you're still investing for, like, a longer term period and that you've still got that time on your side, and as long as you're not doing it to invest in, like, Bitcoin or something like that where it can just drop by, you know, a 130 percent in a a couple of months, you know, generally, you're a little bit more cautious with those types investments as well and what you're actually putting into much like property. Perfect. And as far when it comes to taking out a loan and things like that, you're quite comfortable with loan values and things and, like, your your knowledge around repaying? Yeah. Perfect. Now with that, you have come out on the more aggressive side of things in terms of, like, being able to take on that level of risk. Now with that as well, you're, like, right on the cuff. So you're right around for that high growth to aggressive mark. Now aggressive's anywhere up until, like, a 100 invested, whereas the high growth is sitting more around that ninety ten split where you still carry some defensive assets. So when the markets do take those dips and bits of turns as well, you do have a portion that sits outside of that that sort of it's like your fixed interest bonds, those sort of things that generally, you know, just tick along upwards even with those market downturns as well. That gives you that a little bit of a defensive portion, if that makes sense. Now given that you're currently in a growth, would you be comfortable sort of going up to a high growth but maybe not all the way up to an aggressive portfolio? Yeah. It's just sort of a bit so even the growth, you'd feel more comfortable being in like that having a bit more defensive assets. So high growth is around the $90.10 and then growth is around the eighty twenty, which is what you're currently in there. No. That's fine. Yep. Yeah. Exactly. Like, you could take on the the aggressive if you wanted to, which is like a 100%, but you get a lot more fluctuation with that. And given that you're not sort of yeah. Because it's like it's not only yours at the end of the day there as well. You sort of take into consideration your partner and so is someone else as well. Like, even though it's solely your superannuation, even though you're comfortable with it, you know, your partner might be comfortable with a 100% investment and things like that as well. So ninety, ten, you still have plenty of time. You know, you've got twenty seven years until you can touch it for meeting those conditions of release. So that gives you more than enough time because it's around that seven to ten years split that you're looking at or time horizon to hold those sort of investments for those average returns, and you've got that nearly, like, three times over. So even if you do it for ten years and you get a nice return, you wanna look at dialing it back then or same sort of thing. You can hold it all the way up until, like, you know, the age of 55 before you really start to look at maybe reducing a risk profile as well and things like that. Perfect. Now in regards to anything that I haven't really touched on or any concerns that you may have, is there anything there that you really sort of wanted addressed in the advice piece apart from, like, you know, your general super insurances and estate planning? Yeah. Not a problem at all. And then with that, did you want sort of the referrals still to the the broker there just to have that conversation sort of more recently? Or yeah. And then it's saying that because, generally, they'll reach out within a few days once they do it. So I just give them that your general information, sort of what you're looking forward. So just ship an email and then, like, a phone number and when you sort of generally, you know, available. So is afternoon sort of work better for you generally? Yep. No problem. They're pretty good in the sense that they'll reach out. They'll shoot you an email. If you feel like you don't wanna have a chat or you're not up to it, then same sort of thing. And if you just tell them, like, give us a few months, we'll reach back out, they're they're pretty flexible as well. Now within regards to that as well, are you still happy for me to transfer you through to one of my colleagues to be able to do that that, Chris? Perfect. So what I'll do is I'll pop you on a brief hold, and then I'll run through those questions. Obviously, if you haven't had, like, many injuries, things like that, it'll run quite quickly in terms of that. And then I'll just get through as quick as possible, and we'll get those sent off to the insurers just to see what they'll rate you at. And then they'll even book in a time, maybe not next week, but the week after just to be able to run through everything. And like I said, you won't get charged until you're sort of happy with the advice. All this is complimentary up until the point of signing, and you'll know all the fees and everything that you do get charged. So at the moment, it's 1.65 ongoing with an upfront fee as well for the initial advice piece. Now this will all be disclosed in the advice piece, and I'll go through it a little bit more in-depth in terms of those costs. The good thing about the upfront is it's never charged again, and then the ongoing is just the ongoing management, and you get the benefits of being an ongoing client, updated advice, your 12 monthly reviews, things like that, or you can have, like, quarterly, bi yearly, things like that as well. It's 1.65% ongoing. The balance is under management. Yeah. It's based on the balance under management. So, yeah, the entire sort of balance. And, obviously, as it grows that yeah. It is capped at the moment at 600,000 there as well. So, you know, if you got to a point, it may change in the future. I think they are discussing about changing the fee structures a little bit to be a little bit more sort of fair for, like, higher balance, lower balances, things like that. But that's the way it's currently at, and it's charged, like, monthly in the sense that it's a dollar cost averages. So as the markets go up and down, you sort of the fee goes up and down with that and how your superannuation is performing. So I was just seeing if someone's available for the pre assessment there that's around me. Yep. Sorry. Just a final liaison while I'm on the phone sort of half on hold. Yeah. So within regards to the the process there as well, once we sort of get you booked in, present the advice piece for you were to to come on board, that fees does cover, like, all the ongoing services there as well, which are included in the the OSA and the financial services guide as well. And then yeah. So that's all included in that plus, like, the liaison with the the OVA partners and things like that as well in terms of that ongoing fee. But do you have any questions in regards to the fee apart from that or anything else? Perfect. Obviously, the benefit is is we don't charge upfront to to give you the advice piece because if you weren't happy with it, you'd probably still go ahead with it because you paid the $5 for it. But yeah, so and with that, you get to see what you're you're buying before you you come on board anyway. Now with in regards to that one, I will be popping you on a brief hold, and then you will be speaking with my my colleague, Samantha, just to do that. That praise has been a run through those questions. But it'll be a brief hold there, and then you go through to her. But do you have any other questions for me there just before I I let you go for the afternoon? Brilliant. Obviously, if anything does come up, feel free to shoot us an email, give us a callback, and we can include that in the the advice piece or address any concerns you may have as well. Perfect, mate. Well, thanks for your time this afternoon. I've taken up a bit of it there. So hopefully no. That that's no problem at all. So hopefully, this goes a bit quick for you there, and we'll get you booked in for a time to go through that advice piece then. Brilliant. So a brief hold, and then you'll be speaking with Samantha. Cheers. Thanks, man. 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Jesse. Thanks for returning my call there. No. No. That's that's perfectly fine.\n\nSo, yeah, as I said, I had you booked in for that initial consultation there. Now have you worked with a financial adviser before or previously there, Jesse? Yep. Not a problem at all. And then sorta what was your your main purpose for sort of reaching out and just wanting to to seek financial advice?\n\nIs there anything particular on your mind? Yep. Yeah. Yeah. Perfect.\n\nNet. Great. And who was that again, sorry, that referred you on? Justin John what was the last name again? Yep.\n\nOkay. No. Not a problem. Yeah. Just so we're aware he referred you on.\n\nThat's fine. And then in regards to that, obviously, you know, super is just part of what we do there as well. And I know potentially, you were looking at sort of a range of things sort of down the track as well. But is this, like, superannuation the main thing that you wanted to address? Brilliant.\n\nYes. So the main thing you wanna achieve out of having a financial adviser just would be to ensure that money that you have working a bit harder for you and you just know what sort of going on. Just get a bit more information about, like, what you can do and what you can't do and what the better option probably Great. Now I will go on through and confirm a few details there just to make sure it is all accurate there. So at the moment, you're at 22 Condor Close.\n\nOkay. There's a bit of a time for that. Brilliant. And then just the the three children at home, and you're married to your spouse currently? Right.\n\nObviously, you can provide the next of kin details at a later date if you were obviously happy and came on board. It's not something we particularly need, like, at this stage unless it comes to, like, the estate planning side of things. Now, obviously, like you said, you're you're in a position where you've got a house, you've got a few assets, you know, you've got the kids in that as well. So estate planning is, like, an important part to play within that as well. So whether or not your beneficiary forms with your new superannuation or getting a valid will put in place, those are all yep.\n\nAnd we can give you just some general information of a local lawyer here. Now, obviously, you're in New South Wales. You're not local to the the Gold Coast here, but it's just an information pamphlet, some general information about wills and estate planning, and the general sort of costing of that. Now you can obviously do that in conjunction with your partner. In addition to that, if you just want something in place, but you don't really wanna go through the hassle of everything, you can get, like, a post office will.\n\nThey're not the most ironclad thing, but it is cheaper, normally around, like, the $50 mark. And if you fill them out sort of the best of your ability and follow the instruction, at least you've got something in place that is in writing as opposed to everyone sort of fighting at the end of the day as well because it tends to bring out the the worst in people, unfortunately. Exactly. And then as far as your role goes there, your crane operator there, so you're in and out of the cranes end on the sort of construction site doing the the shackling and everything as well? Brilliant.\n\nAnd then in regards to that as well, are you, like, doing the at highlights work with that, or is it mainly just the drivable cranes? Yeah. Yeah. Because obviously when it comes down to insurance wise when looking at that as well, because you've got insurance in your current fund there currently. Now in in regards yeah.\n\nRegards to that, your occupation and then with your height and weight, I have here you've a hundred and eighty five centimeters and a hundred and eighty five kilos. Is that correct? Eighteen. Okay. I thought yeah.\n\nI thought that was quite high. Insane that one eighteen. Perfect. Now with that mainly so obviously, originally, there, my main concern was the weight side of things. If it was that high, it would sort of look to look at instant declines.\n\nNow in regards to that currently, it's mainly the occupation now. Now the the risk of that and being your occupation that you do do hazardous activities, I know that may sound weird for yourself, but, you know, working at, yeah, working at heights out on the construction sites, it may come back that your occupation may be listed as, like, a worse occupation. But yeah. But, like yeah. For total permanent disability and those sort of things, it means you'll get, like, an ADL definition.\n\nSo with that an ADL cover, it's not the most comprehensive. It can be used in conjunction with the cover that you do have in terms of, like, popping up to get the amounts, looking if we can get IP and things like that as well. Because currently, you've got the life in TPD, but as you said, it's not a huge amount. Now yeah. And you can look to, like, increase your cover with Cbus.\n\nYou do have to do, like, a level of underwriting with them when doing the forms, and you can look at topping that up. Now within regards to that, they do, like, a small health questionnaire sort of thing in regards to that, and you can still look at increasing that level of cover. And what you do there is you still get a higher amount, but it is group cover at the end of the day. And then also with that, you restart sort of any exclusion periods you might have. So with those top ups amounts, normally, they'll maintain the previous portion of, like, the 200,000 you have and the $1.45 of the TPD.\n\nBut anything above that is similar to if you went to a retail policy anyway. Whereas anything that might be preexisting that amount of cover and when that was taken out, say if you have, like, a plate put in your arm, you might end up with, like, an exclusion on a retail policy, but then that also might not be covered on that increased amount anyway even though because the weird thing about group insurance is underwritten at the time of claim. So they won't actually tell you if you're able to claim on it for certain conditions until such time it's assessed when you come down the track to one of those conditions and paying that out potentially. Now life is life at the end of the day. The main thing that you have currently is the one forty five of total permanent disability.\n\nThat if something were to occur where you've got something that previously occurred his like health wise or health history wise, it may be a claimable thing. So, generally, you wanna look at trying to keep that. Now we'll obviously do the pre assessments and see what comes back, but worst case scenario, we can look at retaining a portion of your fund in CBIZ, mainly just to keep those insurances active. And then the majority of your funds can go towards another portfolio, another superannuation that's working a bit harder for you, like you said, and potentially looking at a bit of pop up cover as well to bridge the gap for your lack of insurance with regards to IP and also under insurance with the life and TPD side of things. Yeah.\n\nAnd yeah. And then with that, obviously, it's not the most ideal thing having two funds in saying that you can Yeah. Yeah. So both would pay out. It's the same as having two policies.\n\nObviously, just paying just having two funds across, like, the board. You're paying a little bit more administration fees. But with that, if you did end up with any exclusions or loadings that predate your funds existence, so when you had your fund open, the likelihood that, like, an injury would pay towards that TPD claim, it might be higher than if the retail policy with that exclusion, if that makes sense. Yeah. Obviously, we'll see what the pre assessment say as well.\n\nAnd then if you end up with ADL cover, it's pretty harsh in terms of definition. The good thing with that, though, is you do end up with a cheaper sort of cost and outcome with that one. We'll even have a look and see what the the cost of increasing your cover looks like with Cbus and what that may sort of look like as well. Brilliant. And I have here, at the moment, you're doing around the sort of ninety hour week as a max, but overall, it you're a thirty eight hour full time employee.\n\nYep. Perfect. Narrow it down when you are a bit of yeah. No. I completely understand.\n\nAnd would you know roughly what your base is if you just did your base hours, what that would be? Yeah. No. That it's not a huge thing because obviously, you get superannuation paid on your full salary. And then also in regards to replacing income, if we're looking at income protection, if it's available, you probably wanna aim for that $1.30 mark just because it's what you sort of regularly getting even with the the amount of times that you're doing.\n\nYeah. Or is it more than that? Yep. Yep. Okay.\n\nNo problem. Yeah. Because, generally, you with income protection, you only could cover 70% of the income that you're earning. So say if you did a slow year where you're only doing your sort of base amount plus a little bit of overtime between that forty and fifty and earning the one thirty, you'd only be able to claim 70% of that. But if you've insured yourself for, like, $1.50, income protection is the more expensive insurance as well.\n\nAnd then if you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty, if that makes sense. Plus in addition to that one, given that you don't have any debts, at the moment, apart from the mortgage, it's really you're moving more towards being self insured in earlier age anyway. Like you said, if you were to take on the investment property debt and sort of refinance a little bit and sort of have more debt on the primary residence or have, you know, solely just to the investment property being interest only and not really having any down payment for that one, The the benefit is if something, you know, hits the fan, you can always sell the investment property. Obviously, it's not the most liquid, but it's a debt that you have that you can wipe off if you were to sell. Now, obviously, depending on markets, you may potentially win or lose, but we don't typically insure for that anyway because of the fact that it is a disposable asset.\n\nSo you'd mainly be looking at just covering for, yeah, the debt for the resident and maybe some income replacement, you know, because you've got the young family and your partner and things like that as well. So given you're a bit younger, you'd probably look around that sort of seven point five to ten years maybe income replacement plus your debt offsetting, like, your super amount because you've obviously still got your superannuation that pays out if something were to happen Just as a sort of amount to to see what you, like, wanna cover for in the event that you're unable to work again, which is the main one. If you're you're gone, obviously, it's, you know, it's quite harsh and it's quite, you know, daunting to think about, but there's not an ongoing expense in regards to yourself. If you injured yourself where you can't work but you're still there, you're more of an ongoing expense and that costs more to live as well, which is the the main thing in regards to TPD that you wanna do look for in terms of, like, replacing your income for as well. Now give given that as well and given your debt, it obviously can work out to be quite a large amount.\n\nSo it would work out to be, you know, upwards of that, like, around the 1,500,000.0 worth of life in TPD, which can be sound like a quite large figure when it comes to that. Is that something you'd be looking to to cover up to? Would you feel like if the debt was gone and you only had, like, a few years income replacement, that'd be better and you'd only really wanna cover for, you know, debt plus a few years? Or have you really thought about it too much? Not re really in terms of it.\n\nLike, obviously, you're preparing like, it's a risk mitigation tool at the end of the day. Like, there's no sort of guarantee that you're gonna kick the bucket early. So it's something that you're you're paying for just in the event that it did happen and, like, that protection for your family. So even if you looked at, like, a flat million dollars worth of cover, that's, like, your your debts plus, like, that five sort of year maybe mark of income protection when taking into account your super. So with that, you know, if you're still there, it can cover costs, you know, like some ongoing schooling expenses plus medical costs and stuff for the the family.\n\nAnd then we can show you what that sort of pricing looks like. If you see that and you wanna look at potentially increasing that as well, we can sort of have that conversation. Obviously yeah. Yep. Obviously, we'll take into account, like, if you're retaining things like that and not as well and what that sort of looks like.\n\nNow in regards to the income protection side of things, have you had a thought about, like, what you're sort of trying to recover for or, like, the the waiting or benefit periods of that, like, with the income protection? Yeah. No. That's no problem. No.\n\nCompletely fine. So with in regards to income protection, the waiting periods for that is generally the starting is thirty days. So you'd have to be off work for thirty days before you can make a claim on income protection generally anywhere. Now, obviously, certain sort of funds and things like that do, like, a fourteen day, but then, obviously, you see the group cover or it's quite expensive. Now you can do up to sixty and ninety day waiting periods, but given that they are cheaper, but they're less comprehensive in the sense that you've got to injure yourself or be sick to the point where you're off for maybe two months or maybe three months before you could even make a claim at that.\n\nSo thirty days is generally sort of, like, quite comprehensive. Brilliant. And what because I didn't have your EBA down here. What's the name of that if you don't mind, or is it just the one under Borga Crane? Off.\n\nPerfect. Yep. Brilliant. I'll have a look at that. And then and then that carries across if you stay with that union, obviously, that benefit as long as you're working.\n\nYeah. Right. And then with that, do you know if there's any other insurance associated with that one, or is it just the income protection? Perfect. We'll have a quick look at that as well because, obviously, Breeze better when it comes to insurances if you're not paying for it.\n\nYeah. Yeah. Yeah. That's the the same as most insurers anyway in terms of that. And then does that cover you outside of work as well or only brilliant.\n\nYeah. So it sounds like it is quite, like, comprehensive in that sense. It may only be a two year benefit period. Been saying that we'll find out that information and let you know anyway when we do the research into that. So we'll mainly look at the life and TPD.\n\nNow the other insurance there is trauma cover. Now trauma cover is like an out of pocket cost that covers an event for things like heart attack, strokes, those sort of events that you're not maybe sort of able to claim on an income protection policy or may not be total permanent disability, but you may still want some time off work to deal with those injuries, sicknesses, those sort of things. Because if you have a heart attack, you may only be off for, you know, a couple weeks and still have to go back to work, but you may wanna take a few months just to, you know, rec recoup. So it is a lump sum benefit that generally pays out on the event of those traumatic types events. It's different with each sort of policy.\n\nThe main ones are certain types of cancers, strokes, heart attacks, those sort of things. And then, generally, you cover for about a year's worth of income or, like, you know, just flat figures. So whether or not it's, like, a 100,000 and you pay for that out of pocket in the auto chance that one of those events do occur. And then that just means that you just have the added lecture layer of protection. And it is one of the more claimed on insurances actually as well.\n\nYeah. No. It's perfectly fine. Like, the options are there. We can sort of show you what it looks like cost wise, and then you can just say yes or no when it comes down to it.\n\nYeah. No problem. Yeah. We'll include it in the advice document. And then that way, when it comes down to accepting it, yes or no, you just basically say, I don't wanna proceed with the trauma side of things anyway.\n\nAnd then, yeah, that way you've got it in the document. You can see the, like, advantages and that of of it having it as well and just seeing what that looks like and making an informed decision there. Brilliant. In regards to your salary sacrifice there as well, you're doing the 5% weekly at the moment. Are you looking at changing that at all?\n\nAre you happy with that amount? Or Yep. Yep. Yeah. So there's a few ways to think about, like, contributing more to super.\n\nLike, obviously, you're on the younger side of things. So the biggest disadvantage there is you can't access it until you hit 60, like a major condition of release or something does happen. But given that it's, like, 5% and you're on a pretty good wicket and, you know, you you don't have a huge amount of debt and you're not looking at doing any sort of other investments currently, it's a good way to get your super growing and compounding early. And in that way, you get a bit of a head start. It's a lot harder to, like, sort of chase it towards the end because a dollar invested today is obviously better than a dollar sort of invested tomorrow.\n\nYou've got it there working harder for you now as opposed to trying to chase it at the back end. If you can afford to do it, it's never sort of a bad thing. And then if you're sort of mindful that you're not exceeding those 30,000 concessional, that's the yeah. And then the other thing to be mindful of as well, obviously, you're not really close to it yet, but the, you know, the div two nine six that they're bringing out where they might tax you more if your super goes over 3,000,000. Now because of your your age and if you do sort of hit that 30,000 each year, you know, up until retirement, you may be getting quite close if it your super is performing quite well, which is something to be mindful of.\n\nBut in the the shorter term now, you can get a bit of a head start on your your superannuation. And then sort of once you look at that property down the the track and maybe adjusting your cash flow and things like that, then you can look at maybe changing it to where you're putting your investment somewhere else. Because at the moment, if you're taking home that pay anyway, it's probably just gonna either go towards the mortgage and offset that, or it's just gonna sit cash in the bank or you'll end up spending it anyway. Yeah. Yep.\n\nYep. And is is your partner still currently off work as well? Yeah. Okay. Because within regards to that as well, you can look at doing spousal contributions to your spouse's fund as well and then being able to claim an eligible deduction for that when it comes to your taxes as well.\n\nNow it's not like the the biggest amount. So if you wanted to contribute, like, say, $3,000 to her superannuation fund, then when it comes to to tax time there, you can look at getting a tax offset for that money you've contributed towards her superannuation there as well as opposed to just letting it sit idle. And it's up to 5 $140 that you can sort of claim as a tax offset is, like, the maximum amount. So it's not a huge amount in terms of, like, what you do get back, but it's a way if you wanted to grow her superannuation as well or if you're happy just doing it towards your own where you get your own sort of 15%. Yeah.\n\nIt does compound a lot better when you just sort of have the the higher amounts in the the one fund there as well. Obviously, if she plans on returning to work, things like that, that's obviously things to think about. But, yeah, if you're happy just doing it to yours and then, obviously, when it comes down to splitting it when you sort of retire and then breaking it down that way, that's fine as well. Brilliant. And then as far as assets and liabilities here, I don't I just got the house, the two cars.\n\nBut do you have, like, a bit of a savings built up as well? Or perfect. Yeah. Because given those like, obviously, I'm not a mortgage broker, but given the, like, the loan to to debt ratio you've got there and that savings as well. Now the good thing at the moment with in regards to investment properties in Australia, even though they're talking about maybe changing the capital gains rules with it, investment properties, you still get to offset a 100% of the interest earned on investment properties or investments within Australia.\n\nSo in saying that, you're more than in a position that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well. So that mortgage brokers are paid, like, through the institutions they work with, so they have their own separate thing. They're just trusted partners that we could pass you along to just even have the conversation. Because oh, okay. Yeah.\n\nGreat. Would you go back through them or would you wanna sort of be referred on to one of the people? Yep. Because I can even just, like, pass your details along to them as well just to have a conversation, see what that might look like, and see if you're willing to do it or just have a conversation and then sort of set yourself up potentially as well at a later point. Because, you know, given that you've only got that, the next sort of step is either sort of looking at another investment maybe outside of super whether that is property or maybe sort of like an investment bond and IDPS or things like that.\n\nGiven that, you know, given your ages and the the amount of debt you're paying off, you can build your wealth faster through other people's money. So borrowed money, you can obviously you take on the risk of borrowed money, but you're able to get higher returns and have greater assets that can get you those whether or not that's like an investment portfolio, another investment property, things like that as well because you've already got the primary residence, and you'll more than likely have that paid off a lot sooner than your retirement ages as well. So I can pass your details along to them, and they can sort of just reach out and have a conversation about that as well. Even if you don't go with us or not, you can still use their service. Same sort of thing goes.\n\nIf you don't wanna go through them, you can always sort of still go through with us, and then we've even got a few other partners that we can refer you on to if you just don't like the person as well. No problem. And then with in regards to your your health there, I know you're taking the blood pressure tablets at the moment. Is there any other sort of health conditions that you've had previously? Any surgeries, things like that in the last sort of five to ten years?\n\nFew broken bones as a kid, but that's sort of about it. Yep. Not a problem. Because with that one, we obviously do that pre assessment process now. How much sort of time I don't wanna take up too much of your afternoon because we can do it now.\n\nWe can okay. Brilliant. Because after this phone call, I can transfer you through to one of my colleagues, and they can go through that pre assessment process. They ask a little bit more about your work. In addition to that, they do a bit about family history and then your own history.\n\nAnd then any conditions that do come up, so they might mention the appendix and just write a little few things down. We send those off to the insurer just to see how they'll rate you in terms of, like, risk and your sort of medical history to get the terms back. Now the main thing there generally is probably just gonna be the occupation, but, obviously, we'll just wait and see how they they rate you as well. Not a problem. And this is a bit of a random question there as well.\n\nNow you're not politically exposed person at all. You don't have any family and politics. You haven't taken up the the cloak or anything? Okay. Great.\n\nAnd then the yeah. It's it's the anti money laundering, funnily enough, because obviously politicians deal with, you know, they can have, you know, lump sums that come in, and then we've got to find out where that comes from. That in addition to, yeah, the fact that more people are more inclined to have more details on a political person that they might call up, try and impersonate, or steal their money. As long as yeah. Brilliant.\n\nAnd then you're not a tax resident for anywhere else but Australia? Right. And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there. Just touch on insurances and see, you know, if you can get more adequate cover for where you're at in life. And then maybe the investment property or another investment down the track, but are there any other goals that you're working towards at the moment?\n\nPerfect. Right. Looks, keep it simple, stupid. You know, if you're happy yeah. Don't make it harder on yourself.\n\nLife's hard enough. Brilliant. And I will run through a quick risk profile questionnaire just to gauge where you sort of at with risk. Now your current portfolio is in a growth. Now I'm not too sure how much you sort of looked into it or not, but a growth is roughly around, like, an eighty twenty split or at least that's how we gauge it.\n\nSebas with the portfolio in, I think it's closer to, like, a seventy five twenty five sort of split in terms of, like, the growth assets versus defensive. So I'll run through these questions and see how you sort of come out in regards to risk and see where we might end up placing you in terms of that to be out of, you know, get those returns and what that sort of looks like. Now would you consider yourself a bit of a risk taker? You know, do you have a punt occasionally? Do you take the odd occasional risk?\n\nYeah. You wouldn't consider yourself like a very high risk taker or anything like that? You're not gambling large amounts of money or things like that? Perfect. And then in regards to investment markets, obviously, you're aware of sort of how they work.\n\nBut other than that, you're sort of out of sight, out of mind, you're not to sort of invest in it? You don't sort of pay too much attention? Bit more inclined to pay attention when the news is on when they're mentioning the markets and what's going on. Right? So you're aware, like, when the markets are sort of fluctuating, when the ups and downs, it's pretty hard to miss, you know, when a bomb's going off.\n\nBut yeah. Yeah. Completely understand. And then with in regards to investments previously, have you sort of taken on any risk within shares, things like that, or any sort of other market risks apart from like yeah. Yeah.\n\nAnd would you say you learn the sort of risk reward with that? Did it go up? Did it go down? And then with investments now, obviously, you can't access super for quite a long period. But with other investments, you're still, like, sort of trying to build that wealth.\n\nYou're not looking at access investments. You're trying to, you know, grow it for the long term. Perfect. And then with inflation, obviously, things get a bit more expensive at the time. You probably realize that more than most with the kids and the cost of living.\n\nBut would you say you're willing to take on a higher amount of risk to try and outpace the inflation and make sure your money is actually growing and not just sort of devaluing? Perfect. And then if your investment was to go the ups and the downs like your crypto there, how much would it have to sort of fluctuate before you got concerned? Like, if it dropped by 25%, would you sort of be, you know, up in arms or, are you quite comfortable given those level of fluctuations? Yeah.\n\nExactly. And the good thing about, like, yourself is that you've got the time on your side to be able to recoup those sort of dips in the market. And you're able to take on a little bit more risk now as opposed to later, especially when you're contributing more heavily. You know, you take on that level of risk, invest a little bit harder to get those higher returns. Obviously, if you're in a fund like KeyBass where you're not sort of getting the the rewards and benefit of that at the moment, it can be a little bit sort of disheartening, but we can sort of look to put you in a position that might sort of yield better better returns there for you as well.\n\nAnd then if it was to take a bit of a dip, would you still feel comfortable putting money in there to investing for that growth when it does rebound? Perfect. Because obviously, you know, we consider it a bit of a file sale, especially for, like, younger people when markets do take a bit of a a drop because you're not looking at selling out anyway. And then if anything, you're buying more for less at that current time for when it does return. Yep.\n\nRight. Yes. Sometimes you you just get in at the right time, and you don't have to worry about time in the market. It just works out for you. Yeah.\n\nExactly. And giving you in a good position with the house and how much that's increased in value. You're in a good spot there as well. Perfect. And then at the moment there, you're just looking at maybe investment property down the track.\n\nBut would you ever put borrowed money into things like an investment portfolio or things like that later down the track when you sort of, you know, set yourself up quite nicely? So as in, like, if you've no. That's perfectly fine. So if you say, you know, had your investment property and had your primary residence that was largely debt free, if you were to sort of withdraw back on that maybe or take out a loan, given that you've got equity and other assets there for, like, a 200,000 and then putting that into a share portfolio, much like superannuation, but, like, outside superannuation so that you've got a different type of investment and you're using that borrowed money to leverage against shares, just not against property. Yeah.\n\nObviously, it's one of the, like, the later things of, like, branching out when it terms it comes towards, like, your financial thing. Generally, it's like, you know, get yourself set up, maybe have a a small investment, but mainly look towards, like, getting a primary residence or having that investment property and then looking at branching out from that. You know? Because as you do start to reduce those debt levels and you can afford to still take on that that risk of borrowed money and being able to repay those loans, you can get more by, you know, someone else's money being added on top of that, and you're just gearing for greater returns. Now, obviously, the downside of that is if the market takes a dip, then you're still liable for the loans that are taken out for those investments.\n\nBut if you're still investing for, like, a longer term period and that you've still got that time on your side, and as long as you're not doing it to invest in, like, Bitcoin or something like that where it can just drop by, you know, a 130 percent in a a couple of months, you know, generally, you're a little bit more cautious with those types investments as well and what you're actually putting into much like property. Perfect. And as far when it comes to taking out a loan and things like that, you're quite comfortable with loan values and things and, like, your your knowledge around repaying? Yeah. Perfect.\n\nNow with that, you have come out on the more aggressive side of things in terms of, like, being able to take on that level of risk. Now with that as well, you're, like, right on the cuff. So you're right around for that high growth to aggressive mark. Now aggressive's anywhere up until, like, a 100 invested, whereas the high growth is sitting more around that ninety ten split where you still carry some defensive assets. So when the markets do take those dips and bits of turns as well, you do have a portion that sits outside of that that sort of it's like your fixed interest bonds, those sort of things that generally, you know, just tick along upwards even with those market downturns as well.\n\nThat gives you that a little bit of a defensive portion, if that makes sense. Now given that you're currently in a growth, would you be comfortable sort of going up to a high growth but maybe not all the way up to an aggressive portfolio? Yeah. It's just sort of a bit so even the growth, you'd feel more comfortable being in like that having a bit more defensive assets. So high growth is around the $90.10 and then growth is around the eighty twenty, which is what you're currently in there.\n\nNo. That's fine. Yep. Yeah. Exactly.\n\nLike, you could take on the the aggressive if you wanted to, which is like a 100%, but you get a lot more fluctuation with that. And given that you're not sort of yeah. Because it's like it's not only yours at the end of the day there as well. You sort of take into consideration your partner and so is someone else as well. Like, even though it's solely your superannuation, even though you're comfortable with it, you know, your partner might be comfortable with a 100% investment and things like that as well.\n\nSo ninety, ten, you still have plenty of time. You know, you've got twenty seven years until you can touch it for meeting those conditions of release. So that gives you more than enough time because it's around that seven to ten years split that you're looking at or time horizon to hold those sort of investments for those average returns, and you've got that nearly, like, three times over. So even if you do it for ten years and you get a nice return, you wanna look at dialing it back then or same sort of thing. You can hold it all the way up until, like, you know, the age of 55 before you really start to look at maybe reducing a risk profile as well and things like that.\n\nPerfect. Now in regards to anything that I haven't really touched on or any concerns that you may have, is there anything there that you really sort of wanted addressed in the advice piece apart from, like, you know, your general super insurances and estate planning? Yeah. Not a problem at all. And then with that, did you want sort of the referrals still to the the broker there just to have that conversation sort of more recently?\n\nOr yeah. And then it's saying that because, generally, they'll reach out within a few days once they do it. So I just give them that your general information, sort of what you're looking forward. So just ship an email and then, like, a phone number and when you sort of generally, you know, available. So is afternoon sort of work better for you generally?\n\nYep. No problem. They're pretty good in the sense that they'll reach out. They'll shoot you an email. If you feel like you don't wanna have a chat or you're not up to it, then same sort of thing.\n\nAnd if you just tell them, like, give us a few months, we'll reach back out, they're they're pretty flexible as well. Now within regards to that as well, are you still happy for me to transfer you through to one of my colleagues to be able to do that that, Chris? Perfect. So what I'll do is I'll pop you on a brief hold, and then I'll run through those questions. Obviously, if you haven't had, like, many injuries, things like that, it'll run quite quickly in terms of that.\n\nAnd then I'll just get through as quick as possible, and we'll get those sent off to the insurers just to see what they'll rate you at. And then they'll even book in a time, maybe not next week, but the week after just to be able to run through everything. And like I said, you won't get charged until you're sort of happy with the advice. All this is complimentary up until the point of signing, and you'll know all the fees and everything that you do get charged. So at the moment, it's 1.65 ongoing with an upfront fee as well for the initial advice piece.\n\nNow this will all be disclosed in the advice piece, and I'll go through it a little bit more in-depth in terms of those costs. The good thing about the upfront is it's never charged again, and then the ongoing is just the ongoing management, and you get the benefits of being an ongoing client, updated advice, your 12 monthly reviews, things like that, or you can have, like, quarterly, bi yearly, things like that as well. It's 1.65% ongoing. The balance is under management. Yeah.\n\nIt's based on the balance under management. So, yeah, the entire sort of balance. And, obviously, as it grows that yeah. It is capped at the moment at 600,000 there as well. So, you know, if you got to a point, it may change in the future.\n\nI think they are discussing about changing the fee structures a little bit to be a little bit more sort of fair for, like, higher balance, lower balances, things like that. But that's the way it's currently at, and it's charged, like, monthly in the sense that it's a dollar cost averages. So as the markets go up and down, you sort of the fee goes up and down with that and how your superannuation is performing. So I was just seeing if someone's available for the pre assessment there that's around me. Yep.\n\nSorry. Just a final liaison while I'm on the phone sort of half on hold. Yeah. So within regards to the the process there as well, once we sort of get you booked in, present the advice piece for you were to to come on board, that fees does cover, like, all the ongoing services there as well, which are included in the the OSA and the financial services guide as well. And then yeah.\n\nSo that's all included in that plus, like, the liaison with the the OVA partners and things like that as well in terms of that ongoing fee. But do you have any questions in regards to the fee apart from that or anything else? Perfect. Obviously, the benefit is is we don't charge upfront to to give you the advice piece because if you weren't happy with it, you'd probably still go ahead with it because you paid the $5 for it. But yeah, so and with that, you get to see what you're you're buying before you you come on board anyway.\n\nNow with in regards to that one, I will be popping you on a brief hold, and then you will be speaking with my my colleague, Samantha, just to do that. That praise has been a run through those questions. But it'll be a brief hold there, and then you go through to her. But do you have any other questions for me there just before I I let you go for the afternoon? Brilliant.\n\nObviously, if anything does come up, feel free to shoot us an email, give us a callback, and we can include that in the the advice piece or address any concerns you may have as well. Perfect, mate. Well, thanks for your time this afternoon. I've taken up a bit of it there. So hopefully no.\n\nThat that's no problem at all. So hopefully, this goes a bit quick for you there, and we'll get you booked in for a time to go through that advice piece then. Brilliant. So a brief hold, and then you'll be speaking with Samantha. Cheers.\n\nThanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jesse.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.22502397745847702},{"text":"Thanks for returning my call there.","start":2.96,"end":4.66,"sentiment":"positive","sentiment_score":0.5373870581388474},{"text":"No.","start":7.2,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.07459931820631027},{"text":"No.","start":7.3599997,"end":7.6,"sentiment":"neutral","sentiment_score":-0.047202110290527344},{"text":"That's that's perfectly fine.","start":7.6,"end":9.22,"sentiment":"neutral","sentiment_score":0.21030377224087715}],"sentiment":"neutral","sentiment_score":0.31384171172976494,"num_words":14,"start":2.3999999,"end":9.22},{"sentences":[{"text":"So, yeah, as I said, I had you booked in for that initial consultation there.","start":10.0,"end":13.934999,"sentiment":"neutral","sentiment_score":0.10923026005427043},{"text":"Now have you worked with a financial adviser before or previously there, Jesse?","start":14.155,"end":18.015,"sentiment":"neutral","sentiment_score":0.03257979481266095},{"text":"Yep.","start":20.795,"end":21.115,"sentiment":"neutral","sentiment_score":0.10563655942678452},{"text":"Not a problem at all.","start":21.115,"end":22.314999,"sentiment":"neutral","sentiment_score":0.22457045018672944},{"text":"And then sorta what was your your main purpose for sort of reaching out and just wanting to to seek financial advice?","start":22.314999,"end":27.63,"sentiment":"neutral","sentiment_score":0.09496227888898416}],"sentiment":"neutral","sentiment_score":0.09606518177315593,"num_words":56,"start":10.0,"end":27.63},{"sentences":[{"text":"Is there anything particular on your mind?","start":27.63,"end":29.49,"sentiment":"neutral","sentiment_score":0.04806884750723839},{"text":"Yep.","start":43.405003,"end":43.905003,"sentiment":"neutral","sentiment_score":-0.19798430800437927},{"text":"Yeah.","start":66.555,"end":67.055,"sentiment":"neutral","sentiment_score":0.036554425954818726},{"text":"Yeah.","start":89.625,"end":89.945,"sentiment":"neutral","sentiment_score":0.24814839661121368},{"text":"Perfect.","start":89.945,"end":90.345,"sentiment":"positive","sentiment_score":0.4029092192649842}],"sentiment":"neutral","sentiment_score":0.07510087876157327,"num_words":11,"start":27.63,"end":90.345},{"sentences":[{"text":"Net.","start":90.345,"end":90.845,"sentiment":"neutral","sentiment_score":0.23930951952934265},{"text":"Great.","start":92.185005,"end":92.585,"sentiment":"neutral","sentiment_score":0.30136963725090027},{"text":"And who was that again, sorry, that referred you on?","start":92.585,"end":95.405,"sentiment":"neutral","sentiment_score":0.04641895517706871},{"text":"Justin John what was the last name again?","start":102.44,"end":105.32,"sentiment":"neutral","sentiment_score":-0.010514743742533028},{"text":"Yep.","start":105.32,"end":105.82,"sentiment":"neutral","sentiment_score":0.00988574605435133}],"sentiment":"neutral","sentiment_score":0.044316024031667484,"num_words":21,"start":90.345,"end":105.82},{"sentences":[{"text":"Okay.","start":110.840004,"end":111.340004,"sentiment":"neutral","sentiment_score":0.0196650642901659},{"text":"No.","start":111.48,"end":111.98,"sentiment":"neutral","sentiment_score":0.06788527220487595},{"text":"Not a problem.","start":112.915,"end":113.735,"sentiment":"neutral","sentiment_score":0.11844336986541748},{"text":"Yeah.","start":113.955,"end":114.275,"sentiment":"neutral","sentiment_score":0.037030935287475586},{"text":"Just so we're aware he referred you on.","start":114.275,"end":116.355,"sentiment":"neutral","sentiment_score":0.09673963207751513}],"sentiment":"neutral","sentiment_score":0.08955917414277792,"num_words":14,"start":110.840004,"end":116.355},{"sentences":[{"text":"That's fine.","start":116.355,"end":117.095,"sentiment":"positive","sentiment_score":0.42236441373825073},{"text":"And then in regards to that, obviously, you know, super is just part of what we do there as well.","start":118.19501,"end":123.875,"sentiment":"neutral","sentiment_score":0.14677703939378262},{"text":"And I know potentially, you were looking at sort of a range of things sort of down the track as well.","start":123.875,"end":129.98,"sentiment":"neutral","sentiment_score":0.0678458921611309},{"text":"But is this, like, superannuation the main thing that you wanted to address?","start":129.98,"end":133.12,"sentiment":"neutral","sentiment_score":0.04380605025933339},{"text":"Brilliant.","start":166.105,"end":166.605,"sentiment":"positive","sentiment_score":0.6507934331893921}],"sentiment":"neutral","sentiment_score":0.1127246567946777,"num_words":57,"start":116.355,"end":166.605},{"sentences":[{"text":"Yes.","start":167.465,"end":167.945,"sentiment":"neutral","sentiment_score":0.3275774121284485},{"text":"So the main thing you wanna achieve out of having a financial adviser just would be to ensure that money that you have working a bit harder for you and you just know what sort of going on.","start":167.945,"end":176.44,"sentiment":"neutral","sentiment_score":0.12630655841999933},{"text":"Just get a bit more information about, like, what you can do and what you can't do and what the better option probably Great.","start":176.44,"end":206.33,"sentiment":"neutral","sentiment_score":-0.027788675855845213},{"text":"Now I will go on through and confirm a few details there just to make sure it is all accurate there.","start":206.95,"end":212.005,"sentiment":"neutral","sentiment_score":0.1319945663923309},{"text":"So at the moment, you're at 22 Condor Close.","start":212.005,"end":214.74501,"sentiment":"neutral","sentiment_score":0.0320763091246287}],"sentiment":"neutral","sentiment_score":0.08086958159041661,"num_words":93,"start":167.465,"end":214.74501},{"sentences":[{"text":"Okay.","start":217.365,"end":217.765,"sentiment":"neutral","sentiment_score":0.05952582135796547},{"text":"There's a bit of a time for that.","start":217.765,"end":219.465,"sentiment":"neutral","sentiment_score":0.05474855192005634},{"text":"Brilliant.","start":219.60501,"end":220.10501,"sentiment":"neutral","sentiment_score":0.1073438674211502},{"text":"And then just the the three children at home, and you're married to your spouse currently?","start":220.88501,"end":225.225,"sentiment":"neutral","sentiment_score":0.05793035589158535},{"text":"Right.","start":227.87,"end":228.37,"sentiment":"neutral","sentiment_score":0.3275412917137146}],"sentiment":"neutral","sentiment_score":0.06886241074513506,"num_words":27,"start":217.365,"end":228.37},{"sentences":[{"text":"Obviously, you can provide the next of kin details at a later date if you were obviously happy and came on board.","start":228.91,"end":233.15,"sentiment":"positive","sentiment_score":0.4214599132537842},{"text":"It's not something we particularly need, like, at this stage unless it comes to, like, the estate planning side of things.","start":233.15,"end":237.89,"sentiment":"neutral","sentiment_score":-0.2146112166699909},{"text":"Now, obviously, like you said, you're you're in a position where you've got a house, you've got a few assets, you know, you've got the kids in that as well.","start":238.32501,"end":244.16501,"sentiment":"neutral","sentiment_score":0.16350406383474667},{"text":"So estate planning is, like, an important part to play within that as well.","start":244.16501,"end":248.80501,"sentiment":"neutral","sentiment_score":0.23668054278407777},{"text":"So whether or not your beneficiary forms with your new superannuation or getting a valid will put in place, those are all yep.","start":248.80501,"end":258.51,"sentiment":"neutral","sentiment_score":0.12477467597826668}],"sentiment":"neutral","sentiment_score":0.14412499639120968,"num_words":110,"start":228.91,"end":258.51},{"sentences":[{"text":"And we can give you just some general information of a local lawyer here.","start":258.51,"end":262.35,"sentiment":"neutral","sentiment_score":0.10927441822631019},{"text":"Now, obviously, you're in New South Wales.","start":262.35,"end":263.71,"sentiment":"neutral","sentiment_score":0.03997379807489259},{"text":"You're not local to the the Gold Coast here, but it's just an information pamphlet, some general information about wills and estate planning, and the general sort of costing of that.","start":263.71,"end":272.26498,"sentiment":"neutral","sentiment_score":0.10458963045910481},{"text":"Now you can obviously do that in conjunction with your partner.","start":272.32498,"end":274.965,"sentiment":"neutral","sentiment_score":0.18332583660429175},{"text":"In addition to that, if you just want something in place, but you don't really wanna go through the hassle of everything, you can get, like, a post office will.","start":274.965,"end":281.07,"sentiment":"neutral","sentiment_score":0.12859858659406503}],"sentiment":"neutral","sentiment_score":0.11748901920853763,"num_words":93,"start":258.51,"end":281.07},{"sentences":[{"text":"They're not the most ironclad thing, but it is cheaper, normally around, like, the $50 mark.","start":281.23,"end":286.27002,"sentiment":"neutral","sentiment_score":0.2088247425854206},{"text":"And if you fill them out sort of the best of your ability and follow the instruction, at least you've got something in place that is in writing as opposed to everyone sort of fighting at the end of the day as well because it tends to bring out the the worst in people, unfortunately.","start":286.27002,"end":300.70502,"sentiment":"neutral","sentiment_score":-0.029718798331239006},{"text":"Exactly.","start":304.605,"end":305.105,"sentiment":"neutral","sentiment_score":-0.044579826295375824},{"text":"And then as far as your role goes there, your crane operator there, so you're in and out of the cranes end on the sort of construction site doing the the shackling and everything as well?","start":306.3,"end":317.655,"sentiment":"neutral","sentiment_score":-0.01942099201389485},{"text":"Brilliant.","start":332.88,"end":333.38,"sentiment":"positive","sentiment_score":0.712398886680603}],"sentiment":"neutral","sentiment_score":0.015369957073702725,"num_words":109,"start":281.23,"end":333.38},{"sentences":[{"text":"And then in regards to that as well, are you, like, doing the at highlights work with that, or is it mainly just the drivable cranes?","start":333.68,"end":341.38,"sentiment":"neutral","sentiment_score":0.09480171715124296},{"text":"Yeah.","start":361.47,"end":361.87,"sentiment":"neutral","sentiment_score":-0.15500223636627197},{"text":"Yeah.","start":361.87,"end":362.37,"sentiment":"neutral","sentiment_score":-0.11966326087713242},{"text":"Because obviously when it comes down to insurance wise when looking at that as well, because you've got insurance in your current fund there currently.","start":362.90997,"end":371.285,"sentiment":"neutral","sentiment_score":-0.12360115647315979},{"text":"Now in in regards yeah.","start":371.745,"end":374.705,"sentiment":"neutral","sentiment_score":0.0068416852504014965}],"sentiment":"neutral","sentiment_score":-0.014924850636001291,"num_words":58,"start":333.68,"end":374.705},{"sentences":[{"text":"Regards to that, your occupation and then with your height and weight, I have here you've a hundred and eighty five centimeters and a hundred and eighty five kilos.","start":374.705,"end":382.38498,"sentiment":"neutral","sentiment_score":0.007031741552054882},{"text":"Is that correct?","start":382.38498,"end":383.16,"sentiment":"neutral","sentiment_score":0.01990040484815836},{"text":"Eighteen.","start":385.80002,"end":386.30002,"sentiment":"neutral","sentiment_score":-0.010865876451134682},{"text":"Okay.","start":387.24,"end":387.64,"sentiment":"neutral","sentiment_score":0.004618050530552864},{"text":"I thought yeah.","start":387.64,"end":388.76,"sentiment":"neutral","sentiment_score":-0.033556379998723664}],"sentiment":"neutral","sentiment_score":0.004235263611819293,"num_words":37,"start":374.705,"end":388.76},{"sentences":[{"text":"I thought that was quite high.","start":388.76,"end":390.22,"sentiment":"neutral","sentiment_score":-0.1217315432926019},{"text":"Insane that one eighteen.","start":392.12,"end":393.48,"sentiment":"neutral","sentiment_score":0.1301519926637411},{"text":"Perfect.","start":393.48,"end":393.98,"sentiment":"positive","sentiment_score":0.4615098237991333},{"text":"Now with that mainly so obviously, originally, there, my main concern was the weight side of things.","start":395.16,"end":401.085,"sentiment":"neutral","sentiment_score":-0.17703339282204122},{"text":"If it was that high, it would sort of look to look at instant declines.","start":401.545,"end":405.145,"sentiment":"negative","sentiment_score":-0.37687488198280333}],"sentiment":"neutral","sentiment_score":-0.19560377611670382,"num_words":43,"start":388.76,"end":405.145},{"sentences":[{"text":"Now in regards to that currently, it's mainly the occupation now.","start":405.145,"end":409.725,"sentiment":"neutral","sentiment_score":-0.12077120827002959},{"text":"Now the the risk of that and being your occupation that you do do hazardous activities, I know that may sound weird for yourself, but, you know, working at, yeah, working at heights out on the construction sites, it may come back that your occupation may be listed as, like, a worse occupation.","start":409.945,"end":426.795,"sentiment":"negative","sentiment_score":-0.3671017015739432},{"text":"But yeah.","start":426.855,"end":428.535,"sentiment":"neutral","sentiment_score":-0.2117091789841652},{"text":"But, like yeah.","start":428.535,"end":429.815,"sentiment":"neutral","sentiment_score":-0.09007641797264417},{"text":"For total permanent disability and those sort of things, it means you'll get, like, an ADL definition.","start":429.815,"end":433.755,"sentiment":"neutral","sentiment_score":-0.1179530918598175}],"sentiment":"neutral","sentiment_score":-0.2730665540452613,"num_words":86,"start":405.145,"end":433.755},{"sentences":[{"text":"So with that an ADL cover, it's not the most comprehensive.","start":434.375,"end":438.875,"sentiment":"neutral","sentiment_score":-0.15856844728643243},{"text":"It can be used in conjunction with the cover that you do have in terms of, like, popping up to get the amounts, looking if we can get IP and things like that as well.","start":439.45,"end":448.35,"sentiment":"neutral","sentiment_score":-0.0023105149822575705},{"text":"Because currently, you've got the life in TPD, but as you said, it's not a huge amount.","start":448.57,"end":452.11002,"sentiment":"neutral","sentiment_score":-0.09153975086177096},{"text":"Now yeah.","start":452.41,"end":463.145,"sentiment":"neutral","sentiment_score":-0.02599002793431282},{"text":"And you can look to, like, increase your cover with Cbus.","start":463.145,"end":465.865,"sentiment":"neutral","sentiment_score":0.08124845508824695}],"sentiment":"neutral","sentiment_score":-0.033415049461549835,"num_words":76,"start":434.375,"end":465.865},{"sentences":[{"text":"You do have to do, like, a level of underwriting with them when doing the forms, and you can look at topping that up.","start":465.865,"end":472.2,"sentiment":"neutral","sentiment_score":0.03613628586754203},{"text":"Now within regards to that, they do, like, a small health questionnaire sort of thing in regards to that, and you can still look at increasing that level of cover.","start":472.58002,"end":480.26,"sentiment":"neutral","sentiment_score":0.10059646057585875},{"text":"And what you do there is you still get a higher amount, but it is group cover at the end of the day.","start":480.26,"end":484.495,"sentiment":"neutral","sentiment_score":0.06969485415712647},{"text":"And then also with that, you restart sort of any exclusion periods you might have.","start":484.495,"end":488.435,"sentiment":"neutral","sentiment_score":-0.05686586822072665},{"text":"So with those top ups amounts, normally, they'll maintain the previous portion of, like, the 200,000 you have and the $1.45 of the TPD.","start":488.735,"end":496.91498,"sentiment":"neutral","sentiment_score":0.09561193951716025}],"sentiment":"neutral","sentiment_score":0.05974004180010023,"num_words":116,"start":465.865,"end":496.91498},{"sentences":[{"text":"But anything above that is similar to if you went to a retail policy anyway.","start":497.09,"end":501.03,"sentiment":"neutral","sentiment_score":-0.031658591330051424},{"text":"Whereas anything that might be preexisting that amount of cover and when that was taken out, say if you have, like, a plate put in your arm, you might end up with, like, an exclusion on a retail policy, but then that also might not be covered on that increased amount anyway even though because the weird thing about group insurance is underwritten at the time of claim.","start":501.73,"end":520.305,"sentiment":"neutral","sentiment_score":-0.3138187937438488},{"text":"So they won't actually tell you if you're able to claim on it for certain conditions until such time it's assessed when you come down the track to one of those conditions and paying that out potentially.","start":520.445,"end":529.54,"sentiment":"neutral","sentiment_score":-0.27548283902374476},{"text":"Now life is life at the end of the day.","start":530.48,"end":533.36,"sentiment":"neutral","sentiment_score":-0.0703826654702425},{"text":"The main thing that you have currently is the one forty five of total permanent disability.","start":533.36,"end":537.77997,"sentiment":"neutral","sentiment_score":-0.1250344873405993}],"sentiment":"neutral","sentiment_score":-0.23775205712714423,"num_words":146,"start":497.09,"end":537.77997},{"sentences":[{"text":"That if something were to occur where you've got something that previously occurred his like health wise or health history wise, it may be a claimable thing.","start":538.0,"end":547.185,"sentiment":"neutral","sentiment_score":-0.09978359206407159},{"text":"So, generally, you wanna look at trying to keep that.","start":547.185,"end":549.925,"sentiment":"neutral","sentiment_score":0.04325439594686031},{"text":"Now we'll obviously do the pre assessments and see what comes back, but worst case scenario, we can look at retaining a portion of your fund in CBIZ, mainly just to keep those insurances active.","start":550.145,"end":560.66003,"sentiment":"neutral","sentiment_score":0.054167620305504115},{"text":"And then the majority of your funds can go towards another portfolio, another superannuation that's working a bit harder for you, like you said, and potentially looking at a bit of pop up cover as well to bridge the gap for your lack of insurance with regards to IP and also under insurance with the life and TPD side of things.","start":560.88,"end":580.575,"sentiment":"neutral","sentiment_score":-0.07291515592913159},{"text":"Yeah.","start":591.69,"end":591.93005,"sentiment":"neutral","sentiment_score":-0.020139658823609352}],"sentiment":"neutral","sentiment_score":-0.03607246631395016,"num_words":134,"start":538.0,"end":591.93005},{"sentences":[{"text":"And yeah.","start":591.93005,"end":593.865,"sentiment":"neutral","sentiment_score":-0.07901286706328392},{"text":"And then with that, obviously, it's not the most ideal thing having two funds in saying that you can Yeah.","start":593.865,"end":606.04,"sentiment":"neutral","sentiment_score":-0.1075582031160593},{"text":"Yeah.","start":606.04,"end":606.54,"sentiment":"neutral","sentiment_score":0.039016567170619965},{"text":"So both would pay out.","start":606.6,"end":607.64,"sentiment":"neutral","sentiment_score":0.03845574259757996},{"text":"It's the same as having two policies.","start":607.64,"end":609.26,"sentiment":"neutral","sentiment_score":0.013844909412520272}],"sentiment":"neutral","sentiment_score":-0.05659943286861692,"num_words":35,"start":591.93005,"end":609.26},{"sentences":[{"text":"Obviously, just paying just having two funds across, like, the board.","start":609.8,"end":614.6,"sentiment":"neutral","sentiment_score":-0.03897492816163735},{"text":"You're paying a little bit more administration fees.","start":614.6,"end":616.76,"sentiment":"neutral","sentiment_score":-0.10060690995305777},{"text":"But with that, if you did end up with any exclusions or loadings that predate your funds existence, so when you had your fund open, the likelihood that, like, an injury would pay towards that TPD claim, it might be higher than if the retail policy with that exclusion, if that makes sense.","start":616.76,"end":631.515,"sentiment":"neutral","sentiment_score":-0.3179038169811357},{"text":"Yeah.","start":635.11005,"end":635.59,"sentiment":"neutral","sentiment_score":0.06863641738891602},{"text":"Obviously, we'll see what the pre assessment say as well.","start":635.59,"end":638.41003,"sentiment":"neutral","sentiment_score":-0.024070446193218232}],"sentiment":"neutral","sentiment_score":-0.21993433534874615,"num_words":83,"start":609.8,"end":638.41003},{"sentences":[{"text":"And then if you end up with ADL cover, it's pretty harsh in terms of definition.","start":638.55,"end":642.07,"sentiment":"neutral","sentiment_score":-0.26140536926686764},{"text":"The good thing with that, though, is you do end up with a cheaper sort of cost and outcome with that one.","start":642.07,"end":647.69,"sentiment":"positive","sentiment_score":0.4838274690237912},{"text":"We'll even have a look and see what the the cost of increasing your cover looks like with Cbus and what that may sort of look like as well.","start":648.52496,"end":655.665,"sentiment":"neutral","sentiment_score":0.11871258143720956},{"text":"Brilliant.","start":658.205,"end":658.705,"sentiment":"positive","sentiment_score":0.5621548891067505},{"text":"And I have here, at the moment, you're doing around the sort of ninety hour week as a max, but overall, it you're a thirty eight hour full time employee.","start":659.005,"end":667.45,"sentiment":"neutral","sentiment_score":0.10853892949720224}],"sentiment":"neutral","sentiment_score":0.14002761271383082,"num_words":98,"start":638.55,"end":667.45},{"sentences":[{"text":"Yep.","start":674.32495,"end":674.82495,"sentiment":"neutral","sentiment_score":-0.16496112942695618},{"text":"Perfect.","start":698.115,"end":698.615,"sentiment":"neutral","sentiment_score":0.2233918309211731},{"text":"Narrow it down when you are a bit of yeah.","start":702.755,"end":706.995,"sentiment":"neutral","sentiment_score":-0.23020719811320306},{"text":"No.","start":706.995,"end":707.155,"sentiment":"neutral","sentiment_score":-0.1753416359424591},{"text":"I completely understand.","start":707.155,"end":708.135,"sentiment":"neutral","sentiment_score":-0.11771675447622935}],"sentiment":"neutral","sentiment_score":-0.17325832368806005,"num_words":16,"start":674.32495,"end":708.135},{"sentences":[{"text":"And would you know roughly what your base is if you just did your base hours, what that would be?","start":708.195,"end":713.015,"sentiment":"neutral","sentiment_score":-0.10320821292698383},{"text":"Yeah.","start":735.685,"end":736.185,"sentiment":"neutral","sentiment_score":-0.021775659173727036},{"text":"No.","start":736.245,"end":736.485,"sentiment":"neutral","sentiment_score":-0.09243865311145782},{"text":"That it's not a huge thing because obviously, you get superannuation paid on your full salary.","start":736.485,"end":742.20996,"sentiment":"neutral","sentiment_score":-0.018702846951782703},{"text":"And then also in regards to replacing income, if we're looking at income protection, if it's available, you probably wanna aim for that $1.30 mark just because it's what you sort of regularly getting even with the the amount of times that you're doing.","start":742.20996,"end":754.23,"sentiment":"neutral","sentiment_score":0.07654711515219374}],"sentiment":"neutral","sentiment_score":0.010859133471257804,"num_words":82,"start":708.195,"end":754.23},{"sentences":[{"text":"Yeah.","start":755.73505,"end":756.23505,"sentiment":"neutral","sentiment_score":0.029703164473176003},{"text":"Or is it more than that?","start":756.53503,"end":757.91504,"sentiment":"neutral","sentiment_score":0.0223984702800711},{"text":"Yep.","start":758.455,"end":758.955,"sentiment":"neutral","sentiment_score":0.04908154159784317},{"text":"Yep.","start":764.455,"end":764.85504,"sentiment":"neutral","sentiment_score":0.07080963253974915},{"text":"Okay.","start":764.85504,"end":765.255,"sentiment":"neutral","sentiment_score":0.09545212239027023}],"sentiment":"neutral","sentiment_score":0.037943728268146515,"num_words":10,"start":755.73505,"end":765.255},{"sentences":[{"text":"No problem.","start":765.255,"end":765.91504,"sentiment":"neutral","sentiment_score":0.1659722775220871},{"text":"Yeah.","start":766.91003,"end":767.15,"sentiment":"neutral","sentiment_score":0.14162132143974304},{"text":"Because, generally, you with income protection, you only could cover 70% of the income that you're earning.","start":767.15,"end":773.25,"sentiment":"neutral","sentiment_score":0.054076569483560676},{"text":"So say if you did a slow year where you're only doing your sort of base amount plus a little bit of overtime between that forty and fifty and earning the one thirty, you'd only be able to claim 70% of that.","start":773.31,"end":783.89496,"sentiment":"neutral","sentiment_score":-0.03706452729446547},{"text":"But if you've insured yourself for, like, $1.50, income protection is the more expensive insurance as well.","start":783.89496,"end":788.95496,"sentiment":"neutral","sentiment_score":-0.2939189431421897}],"sentiment":"neutral","sentiment_score":-0.06532233698835856,"num_words":79,"start":765.255,"end":788.95496},{"sentences":[{"text":"And then if you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty, if that makes sense.","start":789.01495,"end":797.07,"sentiment":"neutral","sentiment_score":-0.0834750932175666},{"text":"Plus in addition to that one, given that you don't have any debts, at the moment, apart from the mortgage, it's really you're moving more towards being self insured in earlier age anyway.","start":798.59,"end":808.93,"sentiment":"neutral","sentiment_score":0.185563674986814},{"text":"Like you said, if you were to take on the investment property debt and sort of refinance a little bit and sort of have more debt on the primary residence or have, you know, solely just to the investment property being interest only and not really having any down payment for that one, The the benefit is if something, you know, hits the fan, you can always sell the investment property.","start":809.425,"end":829.06,"sentiment":"neutral","sentiment_score":-0.013564777940931454},{"text":"Obviously, it's not the most liquid, but it's a debt that you have that you can wipe off if you were to sell.","start":829.06,"end":834.82,"sentiment":"neutral","sentiment_score":-0.12485633369373239},{"text":"Now, obviously, depending on markets, you may potentially win or lose, but we don't typically insure for that anyway because of the fact that it is a disposable asset.","start":834.82,"end":843.095,"sentiment":"neutral","sentiment_score":-0.06863245457924645}],"sentiment":"neutral","sentiment_score":-0.015512951763764935,"num_words":196,"start":789.01495,"end":843.095},{"sentences":[{"text":"So you'd mainly be looking at just covering for, yeah, the debt for the resident and maybe some income replacement, you know, because you've got the young family and your partner and things like that as well.","start":843.39496,"end":852.27,"sentiment":"neutral","sentiment_score":0.0009955609771045478},{"text":"So given you're a bit younger, you'd probably look around that sort of seven point five to ten years maybe income replacement plus your debt offsetting, like, your super amount because you've obviously still got your superannuation that pays out if something were to happen Just as a sort of amount to to see what you, like, wanna cover for in the event that you're unable to work again, which is the main one.","start":854.03,"end":873.875,"sentiment":"neutral","sentiment_score":0.01741315663565655},{"text":"If you're you're gone, obviously, it's, you know, it's quite harsh and it's quite, you know, daunting to think about, but there's not an ongoing expense in regards to yourself.","start":873.935,"end":883.3,"sentiment":"neutral","sentiment_score":-0.20808993577957152},{"text":"If you injured yourself where you can't work but you're still there, you're more of an ongoing expense and that costs more to live as well, which is the the main thing in regards to TPD that you wanna do look for in terms of, like, replacing your income for as well.","start":883.3,"end":899.255,"sentiment":"neutral","sentiment_score":-0.07940547318699268},{"text":"Now give given that as well and given your debt, it obviously can work out to be quite a large amount.","start":901.875,"end":908.03,"sentiment":"neutral","sentiment_score":0.0017489645452726456}],"sentiment":"neutral","sentiment_score":-0.04210114521714293,"num_words":214,"start":843.39496,"end":908.03},{"sentences":[{"text":"So it would work out to be, you know, upwards of that, like, around the 1,500,000.0 worth of life in TPD, which can be sound like a quite large figure when it comes to that.","start":908.49,"end":917.39,"sentiment":"neutral","sentiment_score":-0.12457336846958189},{"text":"Is that something you'd be looking to to cover up to?","start":917.45,"end":920.65497,"sentiment":"neutral","sentiment_score":-0.08919936858794907},{"text":"Would you feel like if the debt was gone and you only had, like, a few years income replacement, that'd be better and you'd only really wanna cover for, you know, debt plus a few years?","start":920.65497,"end":929.375,"sentiment":"neutral","sentiment_score":-0.28785302489995956},{"text":"Or have you really thought about it too much?","start":929.375,"end":931.38,"sentiment":"neutral","sentiment_score":-0.2577938950724072},{"text":"Not re really in terms of it.","start":950.435,"end":952.995,"sentiment":"neutral","sentiment_score":-0.1653646571295602}],"sentiment":"neutral","sentiment_score":-0.19646488798340572,"num_words":98,"start":908.49,"end":952.995},{"sentences":[{"text":"Like, obviously, you're preparing like, it's a risk mitigation tool at the end of the day.","start":952.995,"end":956.835,"sentiment":"neutral","sentiment_score":-0.0018749393057078123},{"text":"Like, there's no sort of guarantee that you're gonna kick the bucket early.","start":956.835,"end":960.07,"sentiment":"neutral","sentiment_score":-0.07429939393813793},{"text":"So it's something that you're you're paying for just in the event that it did happen and, like, that protection for your family.","start":960.29,"end":966.39,"sentiment":"neutral","sentiment_score":0.11589957206793454},{"text":"So even if you looked at, like, a flat million dollars worth of cover, that's, like, your your debts plus, like, that five sort of year maybe mark of income protection when taking into account your super.","start":966.45,"end":977.575,"sentiment":"neutral","sentiment_score":0.05885062366724014},{"text":"So with that, you know, if you're still there, it can cover costs, you know, like some ongoing schooling expenses plus medical costs and stuff for the the family.","start":978.03503,"end":985.495,"sentiment":"neutral","sentiment_score":0.08451087824229536}],"sentiment":"neutral","sentiment_score":0.0533736233236426,"num_words":118,"start":952.995,"end":985.495},{"sentences":[{"text":"And then we can show you what that sort of pricing looks like.","start":986.42004,"end":989.38,"sentiment":"neutral","sentiment_score":0.12141222564073709},{"text":"If you see that and you wanna look at potentially increasing that as well, we can sort of have that conversation.","start":989.38,"end":994.36005,"sentiment":"neutral","sentiment_score":0.14985738339878263},{"text":"Obviously yeah.","start":995.38,"end":996.84,"sentiment":"neutral","sentiment_score":0.28041815757751465},{"text":"Yep.","start":997.7,"end":998.2,"sentiment":"neutral","sentiment_score":0.12361253798007964},{"text":"Obviously, we'll take into account, like, if you're retaining things like that and not as well and what that sort of looks like.","start":999.07495,"end":1005.495,"sentiment":"neutral","sentiment_score":-0.08262218348681927}],"sentiment":"neutral","sentiment_score":0.05849171029403806,"num_words":60,"start":986.42004,"end":1005.495},{"sentences":[{"text":"Now in regards to the income protection side of things, have you had a thought about, like, what you're sort of trying to recover for or, like, the the waiting or benefit periods of that, like, with the income protection?","start":1005.71497,"end":1017.38,"sentiment":"neutral","sentiment_score":-0.003831940854433924},{"text":"Yeah.","start":1022.0,"end":1022.5,"sentiment":"neutral","sentiment_score":0.06515480577945709},{"text":"No.","start":1022.72003,"end":1022.96,"sentiment":"neutral","sentiment_score":0.1063288077712059},{"text":"That's no problem.","start":1022.96,"end":1023.86,"sentiment":"neutral","sentiment_score":0.19075358907381693},{"text":"No.","start":1024.375,"end":1024.875,"sentiment":"neutral","sentiment_score":0.3201029896736145}],"sentiment":"neutral","sentiment_score":0.019794994266703725,"num_words":46,"start":1005.71497,"end":1024.875},{"sentences":[{"text":"Completely fine.","start":1025.095,"end":1025.995,"sentiment":"positive","sentiment_score":0.35152120888233185},{"text":"So with in regards to income protection, the waiting periods for that is generally the starting is thirty days.","start":1026.615,"end":1031.735,"sentiment":"neutral","sentiment_score":0.007639708781712933},{"text":"So you'd have to be off work for thirty days before you can make a claim on income protection generally anywhere.","start":1031.735,"end":1036.475,"sentiment":"neutral","sentiment_score":-0.07127757246295612},{"text":"Now, obviously, certain sort of funds and things like that do, like, a fourteen day, but then, obviously, you see the group cover or it's quite expensive.","start":1037.38,"end":1044.6,"sentiment":"neutral","sentiment_score":-0.12037210635564945},{"text":"Now you can do up to sixty and ninety day waiting periods, but given that they are cheaper, but they're less comprehensive in the sense that you've got to injure yourself or be sick to the point where you're off for maybe two months or maybe three months before you could even make a claim at that.","start":1045.14,"end":1059.0651,"sentiment":"neutral","sentiment_score":-0.14957605910144353}],"sentiment":"neutral","sentiment_score":-0.09860725696420386,"num_words":126,"start":1025.095,"end":1059.0651},{"sentences":[{"text":"So thirty days is generally sort of, like, quite comprehensive.","start":1059.0651,"end":1063.3251,"sentiment":"neutral","sentiment_score":0.06451250687241554},{"text":"Brilliant.","start":1078.5349,"end":1079.0349,"sentiment":"positive","sentiment_score":0.33672618865966797},{"text":"And what because I didn't have your EBA down here.","start":1079.575,"end":1083.735,"sentiment":"neutral","sentiment_score":-0.01946919020265341},{"text":"What's the name of that if you don't mind, or is it just the one under Borga Crane?","start":1083.735,"end":1087.4349,"sentiment":"neutral","sentiment_score":0.014355522218263812},{"text":"Off.","start":1111.2849,"end":1111.7849,"sentiment":"neutral","sentiment_score":-0.028952453285455704}],"sentiment":"neutral","sentiment_score":0.025415157550014555,"num_words":40,"start":1059.0651,"end":1111.7849},{"sentences":[{"text":"Perfect.","start":1120.5,"end":1120.98,"sentiment":"positive","sentiment_score":0.4992832541465759},{"text":"Yep.","start":1120.98,"end":1121.46,"sentiment":"positive","sentiment_score":0.3367999792098999},{"text":"Brilliant.","start":1121.46,"end":1121.94,"sentiment":"positive","sentiment_score":0.7036453485488892},{"text":"I'll have a look at that.","start":1121.94,"end":1123.4,"sentiment":"positive","sentiment_score":0.34959126512209576},{"text":"And then and then that carries across if you stay with that union, obviously, that benefit as long as you're working.","start":1124.435,"end":1131.655,"sentiment":"neutral","sentiment_score":0.09832028175393741}],"sentiment":"neutral","sentiment_score":0.1900667363156875,"num_words":30,"start":1120.5,"end":1131.655},{"sentences":[{"text":"Yeah.","start":1131.715,"end":1132.215,"sentiment":"neutral","sentiment_score":0.13526760041713717},{"text":"Right.","start":1142.85,"end":1143.17,"sentiment":"neutral","sentiment_score":0.03961194306612015},{"text":"And then with that, do you know if there's any other insurance associated with that one, or is it just the income protection?","start":1143.17,"end":1148.71,"sentiment":"neutral","sentiment_score":-0.0032279792813705685},{"text":"Perfect.","start":1153.6749,"end":1153.995,"sentiment":"positive","sentiment_score":0.42823779582977295},{"text":"We'll have a quick look at that as well because, obviously, Breeze better when it comes to insurances if you're not paying for it.","start":1153.995,"end":1160.335,"sentiment":"neutral","sentiment_score":0.06862714774130534}],"sentiment":"neutral","sentiment_score":0.043518507232656704,"num_words":50,"start":1131.715,"end":1160.335},{"sentences":[{"text":"Yeah.","start":1162.73,"end":1163.23,"sentiment":"neutral","sentiment_score":0.23656296730041504},{"text":"Yeah.","start":1174.105,"end":1174.4249,"sentiment":"neutral","sentiment_score":0.08297665417194366},{"text":"Yeah.","start":1174.4249,"end":1174.665,"sentiment":"neutral","sentiment_score":0.1639861911535263},{"text":"That's the the same as most insurers anyway in terms of that.","start":1174.665,"end":1178.605,"sentiment":"neutral","sentiment_score":0.05727198952808976},{"text":"And then does that cover you outside of work as well or only brilliant.","start":1180.345,"end":1195.02,"sentiment":"neutral","sentiment_score":0.040923665676798136}],"sentiment":"neutral","sentiment_score":0.06012831056683228,"num_words":29,"start":1162.73,"end":1195.02},{"sentences":[{"text":"Yeah.","start":1195.48,"end":1195.72,"sentiment":"neutral","sentiment_score":0.18770292401313785},{"text":"So it sounds like it is quite, like, comprehensive in that sense.","start":1195.72,"end":1198.9651,"sentiment":"neutral","sentiment_score":0.2966468445956707},{"text":"It may only be a two year benefit period.","start":1198.9651,"end":1201.145,"sentiment":"neutral","sentiment_score":-0.08281961124804285},{"text":"Been saying that we'll find out that information and let you know anyway when we do the research into that.","start":1201.605,"end":1206.3451,"sentiment":"neutral","sentiment_score":0.06028217487037182},{"text":"So we'll mainly look at the life and TPD.","start":1207.045,"end":1209.145,"sentiment":"neutral","sentiment_score":0.04328063875436783}],"sentiment":"neutral","sentiment_score":0.09014230988481466,"num_words":51,"start":1195.48,"end":1209.145},{"sentences":[{"text":"Now the other insurance there is trauma cover.","start":1209.2051,"end":1211.1599,"sentiment":"neutral","sentiment_score":0.01983586000278592},{"text":"Now trauma cover is like an out of pocket cost that covers an event for things like heart attack, strokes, those sort of events that you're not maybe sort of able to claim on an income protection policy or may not be total permanent disability, but you may still want some time off work to deal with those injuries, sicknesses, those sort of things.","start":1211.1599,"end":1229.145,"sentiment":"neutral","sentiment_score":0.010660517524229363},{"text":"Because if you have a heart attack, you may only be off for, you know, a couple weeks and still have to go back to work, but you may wanna take a few months just to, you know, rec recoup.","start":1229.2051,"end":1238.59,"sentiment":"neutral","sentiment_score":-0.021070568636059762},{"text":"So it is a lump sum benefit that generally pays out on the event of those traumatic types events.","start":1239.13,"end":1244.09,"sentiment":"neutral","sentiment_score":0.08481845543964912},{"text":"It's different with each sort of policy.","start":1244.09,"end":1245.7899,"sentiment":"neutral","sentiment_score":0.008205113932490349}],"sentiment":"neutral","sentiment_score":0.012080606572545958,"num_words":138,"start":1209.2051,"end":1245.7899},{"sentences":[{"text":"The main ones are certain types of cancers, strokes, heart attacks, those sort of things.","start":1245.9299,"end":1249.71,"sentiment":"neutral","sentiment_score":-0.013977359607815742},{"text":"And then, generally, you cover for about a year's worth of income or, like, you know, just flat figures.","start":1250.0099,"end":1255.575,"sentiment":"neutral","sentiment_score":0.030506581656242673},{"text":"So whether or not it's, like, a 100,000 and you pay for that out of pocket in the auto chance that one of those events do occur.","start":1255.715,"end":1261.975,"sentiment":"neutral","sentiment_score":0.03294757608738211},{"text":"And then that just means that you just have the added lecture layer of protection.","start":1262.195,"end":1266.9501,"sentiment":"neutral","sentiment_score":0.0836459219455719},{"text":"And it is one of the more claimed on insurances actually as well.","start":1267.0901,"end":1270.31,"sentiment":"neutral","sentiment_score":0.03722322302368971}],"sentiment":"neutral","sentiment_score":0.033686965620249844,"num_words":89,"start":1245.9299,"end":1270.31},{"sentences":[{"text":"Yeah.","start":1283.745,"end":1284.065,"sentiment":"neutral","sentiment_score":-0.1527732014656067},{"text":"No.","start":1284.065,"end":1284.225,"sentiment":"neutral","sentiment_score":-0.15450921654701233},{"text":"It's perfectly fine.","start":1284.225,"end":1285.105,"sentiment":"neutral","sentiment_score":0.0010894052684307098},{"text":"Like, the options are there.","start":1285.105,"end":1286.065,"sentiment":"neutral","sentiment_score":0.11879151612520218},{"text":"We can sort of show you what it looks like cost wise, and then you can just say yes or no when it comes down to it.","start":1286.065,"end":1299.2799,"sentiment":"neutral","sentiment_score":0.10462910171460223}],"sentiment":"neutral","sentiment_score":0.08418727364089038,"num_words":37,"start":1283.745,"end":1299.2799},{"sentences":[{"text":"Yeah.","start":1299.2799,"end":1299.7799,"sentiment":"neutral","sentiment_score":0.04086780548095703},{"text":"No problem.","start":1300.64,"end":1301.38,"sentiment":"neutral","sentiment_score":-0.036129144951701164},{"text":"Yeah.","start":1301.6799,"end":1302.0,"sentiment":"neutral","sentiment_score":0.10072118043899536},{"text":"We'll include it in the advice document.","start":1302.0,"end":1303.9199,"sentiment":"neutral","sentiment_score":0.24761679768562317},{"text":"And then that way, when it comes down to accepting it, yes or no, you just basically say, I don't wanna proceed with the trauma side of things anyway.","start":1303.9199,"end":1310.395,"sentiment":"neutral","sentiment_score":0.09035397333831623}],"sentiment":"neutral","sentiment_score":0.11057283766567708,"num_words":40,"start":1299.2799,"end":1310.395},{"sentences":[{"text":"And then, yeah, that way you've got it in the document.","start":1311.255,"end":1313.3351,"sentiment":"positive","sentiment_score":0.36746095527302136},{"text":"You can see the, like, advantages and that of of it having it as well and just seeing what that looks like and making an informed decision there.","start":1313.3351,"end":1320.9551,"sentiment":"positive","sentiment_score":0.4656134226492473},{"text":"Brilliant.","start":1321.4951,"end":1321.9951,"sentiment":"positive","sentiment_score":0.6942517757415771},{"text":"In regards to your salary sacrifice there as well, you're doing the 5% weekly at the moment.","start":1322.82,"end":1327.38,"sentiment":"neutral","sentiment_score":0.10107792256509557},{"text":"Are you looking at changing that at all?","start":1327.38,"end":1329.0599,"sentiment":"neutral","sentiment_score":0.037292129127308726}],"sentiment":"neutral","sentiment_score":0.3044639974545974,"num_words":65,"start":1311.255,"end":1329.0599},{"sentences":[{"text":"Are you happy with that amount?","start":1329.0599,"end":1330.26,"sentiment":"neutral","sentiment_score":0.06598319361607234},{"text":"Or Yep.","start":1330.26,"end":1355.59,"sentiment":"neutral","sentiment_score":0.04414623975753784},{"text":"Yep.","start":1361.425,"end":1361.925,"sentiment":"neutral","sentiment_score":0.022417008876800537},{"text":"Yeah.","start":1382.415,"end":1382.655,"sentiment":"neutral","sentiment_score":-0.12833243608474731},{"text":"So there's a few ways to think about, like, contributing more to super.","start":1382.655,"end":1385.935,"sentiment":"neutral","sentiment_score":-0.0617419951237165}],"sentiment":"neutral","sentiment_score":-0.018450857504554417,"num_words":23,"start":1329.0599,"end":1385.935},{"sentences":[{"text":"Like, obviously, you're on the younger side of things.","start":1385.935,"end":1387.4551,"sentiment":"neutral","sentiment_score":-0.11376769592364629},{"text":"So the biggest disadvantage there is you can't access it until you hit 60, like a major condition of release or something does happen.","start":1387.4551,"end":1393.8551,"sentiment":"neutral","sentiment_score":-0.22573086184759936},{"text":"But given that it's, like, 5% and you're on a pretty good wicket and, you know, you you don't have a huge amount of debt and you're not looking at doing any sort of other investments currently, it's a good way to get your super growing and compounding early.","start":1393.8551,"end":1406.7101,"sentiment":"positive","sentiment_score":0.39811498504512166},{"text":"And in that way, you get a bit of a head start.","start":1406.7101,"end":1408.81,"sentiment":"positive","sentiment_score":0.6268340845902761},{"text":"It's a lot harder to, like, sort of chase it towards the end because a dollar invested today is obviously better than a dollar sort of invested tomorrow.","start":1408.87,"end":1416.145,"sentiment":"neutral","sentiment_score":0.06614228311393942}],"sentiment":"neutral","sentiment_score":0.18393587919532275,"num_words":122,"start":1385.935,"end":1416.145},{"sentences":[{"text":"You've got it there working harder for you now as opposed to trying to chase it at the back end.","start":1416.145,"end":1421.125,"sentiment":"neutral","sentiment_score":0.26635714545845984},{"text":"If you can afford to do it, it's never sort of a bad thing.","start":1421.745,"end":1424.0651,"sentiment":"positive","sentiment_score":0.4521440586873463},{"text":"And then if you're sort of mindful that you're not exceeding those 30,000 concessional, that's the yeah.","start":1424.0651,"end":1433.05,"sentiment":"neutral","sentiment_score":0.09015363027506015},{"text":"And then the other thing to be mindful of as well, obviously, you're not really close to it yet, but the, you know, the div two nine six that they're bringing out where they might tax you more if your super goes over 3,000,000.","start":1433.05,"end":1442.8049,"sentiment":"neutral","sentiment_score":-0.05821387698365883},{"text":"Now because of your your age and if you do sort of hit that 30,000 each year, you know, up until retirement, you may be getting quite close if it your super is performing quite well, which is something to be mindful of.","start":1443.025,"end":1454.46,"sentiment":"neutral","sentiment_score":0.10314457092520803}],"sentiment":"neutral","sentiment_score":0.10915635802877555,"num_words":138,"start":1416.145,"end":1454.46},{"sentences":[{"text":"But in the the shorter term now, you can get a bit of a head start on your your superannuation.","start":1454.94,"end":1458.72,"sentiment":"neutral","sentiment_score":0.2972193233668804},{"text":"And then sort of once you look at that property down the the track and maybe adjusting your cash flow and things like that, then you can look at maybe changing it to where you're putting your investment somewhere else.","start":1459.26,"end":1468.695,"sentiment":"neutral","sentiment_score":0.0974919238127768},{"text":"Because at the moment, if you're taking home that pay anyway, it's probably just gonna either go towards the mortgage and offset that, or it's just gonna sit cash in the bank or you'll end up spending it anyway.","start":1468.695,"end":1478.075,"sentiment":"neutral","sentiment_score":-0.111721915885424},{"text":"Yeah.","start":1499.205,"end":1499.705,"sentiment":"neutral","sentiment_score":-0.08275965601205826},{"text":"Yep.","start":1510.26,"end":1510.76,"sentiment":"neutral","sentiment_score":-0.0028587281703948975}],"sentiment":"neutral","sentiment_score":0.05347812194192764,"num_words":101,"start":1454.94,"end":1510.76},{"sentences":[{"text":"Yep.","start":1529.25,"end":1529.75,"sentiment":"neutral","sentiment_score":0.13575546443462372},{"text":"And is is your partner still currently off work as well?","start":1534.05,"end":1537.8301,"sentiment":"neutral","sentiment_score":-0.08489453081380237},{"text":"Yeah.","start":1551.3451,"end":1551.5851,"sentiment":"neutral","sentiment_score":0.0005248412489891052},{"text":"Okay.","start":1551.5851,"end":1551.905,"sentiment":"neutral","sentiment_score":0.05586572736501694},{"text":"Because within regards to that as well, you can look at doing spousal contributions to your spouse's fund as well and then being able to claim an eligible deduction for that when it comes to your taxes as well.","start":1551.905,"end":1564.75,"sentiment":"neutral","sentiment_score":0.1776555039179631}],"sentiment":"neutral","sentiment_score":0.11673341220561063,"num_words":53,"start":1529.25,"end":1564.75},{"sentences":[{"text":"Now it's not like the the biggest amount.","start":1564.89,"end":1569.37,"sentiment":"neutral","sentiment_score":0.09240839956328273},{"text":"So if you wanted to contribute, like, say, $3,000 to her superannuation fund, then when it comes to to tax time there, you can look at getting a tax offset for that money you've contributed towards her superannuation there as well as opposed to just letting it sit idle.","start":1569.37,"end":1589.46,"sentiment":"neutral","sentiment_score":0.12567962766910085},{"text":"And it's up to 5 $140 that you can sort of claim as a tax offset is, like, the maximum amount.","start":1589.68,"end":1596.16,"sentiment":"neutral","sentiment_score":0.15226488205648603},{"text":"So it's not a huge amount in terms of, like, what you do get back, but it's a way if you wanted to grow her superannuation as well or if you're happy just doing it towards your own where you get your own sort of 15%.","start":1596.16,"end":1607.445,"sentiment":"neutral","sentiment_score":0.31771661244008853},{"text":"Yeah.","start":1616.88,"end":1617.04,"sentiment":"neutral","sentiment_score":0.2406233251094818}],"sentiment":"neutral","sentiment_score":0.19960575178265572,"num_words":125,"start":1564.89,"end":1617.04},{"sentences":[{"text":"It does compound a lot better when you just sort of have the the higher amounts in the the one fund there as well.","start":1617.04,"end":1622.9,"sentiment":"neutral","sentiment_score":0.1983093818028768},{"text":"Obviously, if she plans on returning to work, things like that, that's obviously things to think about.","start":1623.44,"end":1628.255,"sentiment":"neutral","sentiment_score":0.09584577162476147},{"text":"But, yeah, if you're happy just doing it to yours and then, obviously, when it comes down to splitting it when you sort of retire and then breaking it down that way, that's fine as well.","start":1628.255,"end":1636.515,"sentiment":"neutral","sentiment_score":0.23151386177374256},{"text":"Brilliant.","start":1638.99,"end":1639.49,"sentiment":"positive","sentiment_score":0.649450957775116},{"text":"And then as far as assets and liabilities here, I don't I just got the house, the two cars.","start":1640.35,"end":1644.91,"sentiment":"neutral","sentiment_score":0.0746025737178953}],"sentiment":"neutral","sentiment_score":0.17309486766144172,"num_words":97,"start":1617.04,"end":1644.91},{"sentences":[{"text":"But do you have, like, a bit of a savings built up as well?","start":1644.91,"end":1647.39,"sentiment":"neutral","sentiment_score":0.08325034752488136},{"text":"Or perfect.","start":1647.39,"end":1656.465,"sentiment":"positive","sentiment_score":0.3350060675293207},{"text":"Yeah.","start":1666.86,"end":1667.26,"sentiment":"neutral","sentiment_score":0.10340900719165802},{"text":"Because given those like, obviously, I'm not a mortgage broker, but given the, like, the loan to to debt ratio you've got there and that savings as well.","start":1667.26,"end":1675.92,"sentiment":"neutral","sentiment_score":0.14194246980228595},{"text":"Now the good thing at the moment with in regards to investment properties in Australia, even though they're talking about maybe changing the capital gains rules with it, investment properties, you still get to offset a 100% of the interest earned on investment properties or investments within Australia.","start":1676.14,"end":1694.76,"sentiment":"neutral","sentiment_score":0.15059987983355919}],"sentiment":"neutral","sentiment_score":0.14131300423734933,"num_words":93,"start":1644.91,"end":1694.76},{"sentences":[{"text":"So in saying that, you're more than in a position that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well.","start":1696.1,"end":1704.84,"sentiment":"neutral","sentiment_score":0.15806663584183245},{"text":"So that mortgage brokers are paid, like, through the institutions they work with, so they have their own separate thing.","start":1704.98,"end":1710.3049,"sentiment":"neutral","sentiment_score":0.09830383732914924},{"text":"They're just trusted partners that we could pass you along to just even have the conversation.","start":1710.365,"end":1714.065,"sentiment":"neutral","sentiment_score":0.15975289791822433},{"text":"Because oh, okay.","start":1715.485,"end":1717.965,"sentiment":"neutral","sentiment_score":0.12287476534644763},{"text":"Yeah.","start":1717.965,"end":1718.445,"sentiment":"neutral","sentiment_score":0.2950270175933838}],"sentiment":"neutral","sentiment_score":0.14270324385850816,"num_words":74,"start":1696.1,"end":1718.445},{"sentences":[{"text":"Great.","start":1718.445,"end":1718.91,"sentiment":"positive","sentiment_score":0.5553938150405884},{"text":"Would you go back through them or would you wanna sort of be referred on to one of the people?","start":1719.23,"end":1723.17,"sentiment":"neutral","sentiment_score":0.2275534661486745},{"text":"Yep.","start":1736.8451,"end":1737.0851,"sentiment":"neutral","sentiment_score":0.20762750506401065},{"text":"Because I can even just, like, pass your details along to them as well just to have a conversation, see what that might look like, and see if you're willing to do it or just have a conversation and then sort of set yourself up potentially as well at a later point.","start":1737.0851,"end":1751.4501,"sentiment":"neutral","sentiment_score":0.3073861257961163},{"text":"Because, you know, given that you've only got that, the next sort of step is either sort of looking at another investment maybe outside of super whether that is property or maybe sort of like an investment bond and IDPS or things like that.","start":1751.4501,"end":1763.295,"sentiment":"neutral","sentiment_score":0.0748327901925553}],"sentiment":"neutral","sentiment_score":0.20839671146566585,"num_words":118,"start":1718.445,"end":1763.295},{"sentences":[{"text":"Given that, you know, given your ages and the the amount of debt you're paying off, you can build your wealth faster through other people's money.","start":1763.5951,"end":1770.735,"sentiment":"neutral","sentiment_score":0.31181833377251256},{"text":"So borrowed money, you can obviously you take on the risk of borrowed money, but you're able to get higher returns and have greater assets that can get you those whether or not that's like an investment portfolio, another investment property, things like that as well because you've already got the primary residence, and you'll more than likely have that paid off a lot sooner than your retirement ages as well.","start":1771.1951,"end":1793.395,"sentiment":"neutral","sentiment_score":0.303547573446388},{"text":"So I can pass your details along to them, and they can sort of just reach out and have a conversation about that as well.","start":1796.335,"end":1801.35,"sentiment":"neutral","sentiment_score":0.32789639234542844},{"text":"Even if you don't go with us or not, you can still use their service.","start":1801.91,"end":1804.71,"sentiment":"neutral","sentiment_score":0.04468681414922079},{"text":"Same sort of thing goes.","start":1804.71,"end":1805.59,"sentiment":"neutral","sentiment_score":0.10634100921452046}],"sentiment":"neutral","sentiment_score":0.2750603623924331,"num_words":142,"start":1763.5951,"end":1805.59},{"sentences":[{"text":"If you don't wanna go through them, you can always sort of still go through with us, and then we've even got a few other partners that we can refer you on to if you just don't like the person as well.","start":1805.59,"end":1814.325,"sentiment":"neutral","sentiment_score":-0.09368719151687055},{"text":"No problem.","start":1817.365,"end":1818.105,"sentiment":"neutral","sentiment_score":0.13597608357667923},{"text":"And then with in regards to your your health there, I know you're taking the blood pressure tablets at the moment.","start":1819.445,"end":1825.205,"sentiment":"neutral","sentiment_score":0.013369825979073843},{"text":"Is there any other sort of health conditions that you've had previously?","start":1825.205,"end":1827.845,"sentiment":"neutral","sentiment_score":-0.01188681872251133},{"text":"Any surgeries, things like that in the last sort of five to ten years?","start":1827.845,"end":1834.09,"sentiment":"neutral","sentiment_score":-0.05577253151152815}],"sentiment":"neutral","sentiment_score":-0.047314294470617406,"num_words":91,"start":1805.59,"end":1834.09},{"sentences":[{"text":"Few broken bones as a kid, but that's sort of about it.","start":1834.09,"end":1836.91,"sentiment":"neutral","sentiment_score":-0.30848779280980426},{"text":"Yep.","start":1845.785,"end":1846.185,"sentiment":"neutral","sentiment_score":-0.005803520791232586},{"text":"Not a problem.","start":1846.185,"end":1847.005,"sentiment":"neutral","sentiment_score":0.004626148690780004},{"text":"Because with that one, we obviously do that pre assessment process now.","start":1847.0651,"end":1850.025,"sentiment":"neutral","sentiment_score":0.013869277822474638},{"text":"How much sort of time I don't wanna take up too much of your afternoon because we can do it now.","start":1850.025,"end":1854.425,"sentiment":"neutral","sentiment_score":-0.1470849091808001}],"sentiment":"neutral","sentiment_score":-0.13502306831354388,"num_words":49,"start":1834.09,"end":1854.425},{"sentences":[{"text":"We can okay.","start":1854.425,"end":1855.86,"sentiment":"neutral","sentiment_score":0.2666228612263997},{"text":"Brilliant.","start":1855.86,"end":1856.18,"sentiment":"positive","sentiment_score":0.578166127204895},{"text":"Because after this phone call, I can transfer you through to one of my colleagues, and they can go through that pre assessment process.","start":1856.18,"end":1860.58,"sentiment":"neutral","sentiment_score":0.3040229491889477},{"text":"They ask a little bit more about your work.","start":1860.58,"end":1862.6,"sentiment":"neutral","sentiment_score":0.14547889679670334},{"text":"In addition to that, they do a bit about family history and then your own history.","start":1862.82,"end":1866.34,"sentiment":"neutral","sentiment_score":0.08913214667700231}],"sentiment":"neutral","sentiment_score":0.21528320583813595,"num_words":53,"start":1854.425,"end":1866.34},{"sentences":[{"text":"And then any conditions that do come up, so they might mention the appendix and just write a little few things down.","start":1866.34,"end":1872.4551,"sentiment":"neutral","sentiment_score":0.0680335850708864},{"text":"We send those off to the insurer just to see how they'll rate you in terms of, like, risk and your sort of medical history to get the terms back.","start":1872.515,"end":1880.915,"sentiment":"neutral","sentiment_score":0.023825207104285557},{"text":"Now the main thing there generally is probably just gonna be the occupation, but, obviously, we'll just wait and see how they they rate you as well.","start":1880.915,"end":1888.21,"sentiment":"neutral","sentiment_score":0.033745744093148795},{"text":"Not a problem.","start":1890.59,"end":1891.41,"sentiment":"neutral","sentiment_score":0.03915195167064667},{"text":"And this is a bit of a random question there as well.","start":1892.11,"end":1894.59,"sentiment":"neutral","sentiment_score":-0.05389330660303434}],"sentiment":"neutral","sentiment_score":0.02758900373381503,"num_words":94,"start":1866.34,"end":1894.59},{"sentences":[{"text":"Now you're not politically exposed person at all.","start":1894.59,"end":1896.985,"sentiment":"neutral","sentiment_score":-0.278763459995389},{"text":"You don't have any family and politics.","start":1896.985,"end":1898.345,"sentiment":"neutral","sentiment_score":-0.20900048741272517},{"text":"You haven't taken up the the cloak or anything?","start":1898.345,"end":1901.245,"sentiment":"neutral","sentiment_score":-0.24485636088583204},{"text":"Okay.","start":1902.985,"end":1903.305,"sentiment":"neutral","sentiment_score":0.05561602860689163},{"text":"Great.","start":1903.305,"end":1903.805,"sentiment":"neutral","sentiment_score":0.1898196041584015}],"sentiment":"neutral","sentiment_score":-0.21736087334843782,"num_words":26,"start":1894.59,"end":1903.805},{"sentences":[{"text":"And then the yeah.","start":1904.425,"end":1909.5199,"sentiment":"neutral","sentiment_score":-0.0919991284608841},{"text":"It's it's the anti money laundering, funnily enough, because obviously politicians deal with, you know, they can have, you know, lump sums that come in, and then we've got to find out where that comes from.","start":1911.1,"end":1922.385,"sentiment":"neutral","sentiment_score":-0.08575672676993741},{"text":"That in addition to, yeah, the fact that more people are more inclined to have more details on a political person that they might call up, try and impersonate, or steal their money.","start":1924.385,"end":1935.365,"sentiment":"neutral","sentiment_score":-0.13838030646244684},{"text":"As long as yeah.","start":1937.48,"end":1940.86,"sentiment":"neutral","sentiment_score":-0.04087522788904607},{"text":"Brilliant.","start":1941.08,"end":1941.58,"sentiment":"neutral","sentiment_score":0.312427282333374}],"sentiment":"neutral","sentiment_score":-0.10093413359031846,"num_words":78,"start":1904.425,"end":1941.58},{"sentences":[{"text":"And then you're not a tax resident for anywhere else but Australia?","start":1941.8,"end":1945.5,"sentiment":"neutral","sentiment_score":0.028164611818889778},{"text":"Right.","start":1948.12,"end":1948.62,"sentiment":"neutral","sentiment_score":0.032562028616666794},{"text":"And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there.","start":1949.495,"end":1956.395,"sentiment":"neutral","sentiment_score":0.03221853464841842},{"text":"Just touch on insurances and see, you know, if you can get more adequate cover for where you're at in life.","start":1956.775,"end":1962.87,"sentiment":"neutral","sentiment_score":0.020099873521498272},{"text":"And then maybe the investment property or another investment down the track, but are there any other goals that you're working towards at the moment?","start":1962.87,"end":1970.25,"sentiment":"neutral","sentiment_score":0.04750861182808876}],"sentiment":"neutral","sentiment_score":0.03316444495604152,"num_words":84,"start":1941.8,"end":1970.25},{"sentences":[{"text":"Perfect.","start":1986.0199,"end":1986.5,"sentiment":"neutral","sentiment_score":0.2530896067619324},{"text":"Right.","start":1986.5,"end":1987.0,"sentiment":"neutral","sentiment_score":0.013238705694675446},{"text":"Looks, keep it simple, stupid.","start":1989.46,"end":1991.02,"sentiment":"neutral","sentiment_score":-0.019928433001041412},{"text":"You know, if you're happy yeah.","start":1991.02,"end":1994.2799,"sentiment":"neutral","sentiment_score":0.025482858220736187},{"text":"Don't make it harder on yourself.","start":1994.34,"end":1995.86,"sentiment":"neutral","sentiment_score":-0.2212010771036148}],"sentiment":"neutral","sentiment_score":-0.053032798202414265,"num_words":19,"start":1986.0199,"end":1995.86},{"sentences":[{"text":"Life's hard enough.","start":1995.86,"end":1996.9199,"sentiment":"neutral","sentiment_score":-0.1820655812819799},{"text":"Brilliant.","start":1999.235,"end":1999.735,"sentiment":"positive","sentiment_score":0.5107074975967407},{"text":"And I will run through a quick risk profile questionnaire just to gauge where you sort of at with risk.","start":2000.595,"end":2004.755,"sentiment":"neutral","sentiment_score":0.10243325103074312},{"text":"Now your current portfolio is in a growth.","start":2004.755,"end":2007.495,"sentiment":"neutral","sentiment_score":0.023369524627923965},{"text":"Now I'm not too sure how much you sort of looked into it or not, but a growth is roughly around, like, an eighty twenty split or at least that's how we gauge it.","start":2008.0349,"end":2015.66,"sentiment":"neutral","sentiment_score":0.014373076860519016}],"sentiment":"neutral","sentiment_score":0.040739645221919724,"num_words":66,"start":1995.86,"end":2015.66},{"sentences":[{"text":"Sebas with the portfolio in, I think it's closer to, like, a seventy five twenty five sort of split in terms of, like, the growth assets versus defensive.","start":2015.66,"end":2025.6,"sentiment":"neutral","sentiment_score":0.011747295835188456},{"text":"So I'll run through these questions and see how you sort of come out in regards to risk and see where we might end up placing you in terms of that to be out of, you know, get those returns and what that sort of looks like.","start":2026.54,"end":2037.3049,"sentiment":"neutral","sentiment_score":0.11219351817952826},{"text":"Now would you consider yourself a bit of a risk taker?","start":2037.9249,"end":2040.085,"sentiment":"neutral","sentiment_score":0.1115688986398957},{"text":"You know, do you have a punt occasionally?","start":2040.085,"end":2041.445,"sentiment":"neutral","sentiment_score":0.061269605066627264},{"text":"Do you take the odd occasional risk?","start":2041.445,"end":2043.51,"sentiment":"neutral","sentiment_score":0.03716376131134374}],"sentiment":"neutral","sentiment_score":0.07504535339182557,"num_words":101,"start":2015.66,"end":2043.51},{"sentences":[{"text":"Yeah.","start":2047.17,"end":2047.67,"sentiment":"neutral","sentiment_score":0.04490825533866882},{"text":"You wouldn't consider yourself like a very high risk taker or anything like that?","start":2047.73,"end":2051.01,"sentiment":"neutral","sentiment_score":-0.09790200819926602},{"text":"You're not gambling large amounts of money or things like that?","start":2051.01,"end":2053.75,"sentiment":"neutral","sentiment_score":-0.07428919964215973},{"text":"Perfect.","start":2060.205,"end":2060.705,"sentiment":"positive","sentiment_score":0.5478947162628174},{"text":"And then in regards to investment markets, obviously, you're aware of sort of how they work.","start":2061.5652,"end":2066.7998,"sentiment":"neutral","sentiment_score":0.10633004270493984}],"sentiment":"neutral","sentiment_score":0.002471496372721916,"num_words":43,"start":2047.17,"end":2066.7998},{"sentences":[{"text":"But other than that, you're sort of out of sight, out of mind, you're not to sort of invest in it?","start":2066.7998,"end":2070.3198,"sentiment":"neutral","sentiment_score":-0.08508993951337677},{"text":"You don't sort of pay too much attention?","start":2070.3198,"end":2072.02,"sentiment":"neutral","sentiment_score":-0.13456490729004145},{"text":"Bit more inclined to pay attention when the news is on when they're mentioning the markets and what's going on.","start":2089.935,"end":2094.3,"sentiment":"neutral","sentiment_score":0.022045085835270584},{"text":"Right?","start":2104.54,"end":2104.86,"sentiment":"neutral","sentiment_score":0.02416352368891239},{"text":"So you're aware, like, when the markets are sort of fluctuating, when the ups and downs, it's pretty hard to miss, you know, when a bomb's going off.","start":2104.86,"end":2110.6948,"sentiment":"neutral","sentiment_score":-0.17503143081973707}],"sentiment":"neutral","sentiment_score":-0.09357977962384048,"num_words":78,"start":2066.7998,"end":2110.6948},{"sentences":[{"text":"But yeah.","start":2110.6948,"end":2114.135,"sentiment":"neutral","sentiment_score":0.04152306169271469},{"text":"Yeah.","start":2114.135,"end":2114.375,"sentiment":"neutral","sentiment_score":0.19305357336997983},{"text":"Completely understand.","start":2114.375,"end":2115.4348,"sentiment":"neutral","sentiment_score":0.15836391225457191},{"text":"And then with in regards to investments previously, have you sort of taken on any risk within shares, things like that, or any sort of other market risks apart from like yeah.","start":2115.9749,"end":2127.09,"sentiment":"neutral","sentiment_score":-0.046371981530683115},{"text":"Yeah.","start":2130.27,"end":2130.59,"sentiment":"neutral","sentiment_score":-0.0631081685423851}],"sentiment":"neutral","sentiment_score":-0.025110106743676096,"num_words":38,"start":2110.6948,"end":2130.59},{"sentences":[{"text":"And would you say you learn the sort of risk reward with that?","start":2130.59,"end":2132.99,"sentiment":"neutral","sentiment_score":-0.03250709004127062},{"text":"Did it go up?","start":2132.99,"end":2133.6301,"sentiment":"neutral","sentiment_score":-0.037802089005708694},{"text":"Did it go down?","start":2133.6301,"end":2134.61,"sentiment":"neutral","sentiment_score":-0.06920838914811611},{"text":"And then with investments now, obviously, you can't access super for quite a long period.","start":2143.9648,"end":2148.685,"sentiment":"neutral","sentiment_score":-0.07628523136178653},{"text":"But with other investments, you're still, like, sort of trying to build that wealth.","start":2148.685,"end":2151.65,"sentiment":"neutral","sentiment_score":0.009803142930780138}],"sentiment":"neutral","sentiment_score":-0.037153371050953864,"num_words":50,"start":2130.59,"end":2151.65},{"sentences":[{"text":"You're not looking at access investments.","start":2151.65,"end":2153.17,"sentiment":"neutral","sentiment_score":-0.06693879142403603},{"text":"You're trying to, you know, grow it for the long term.","start":2153.17,"end":2155.99,"sentiment":"neutral","sentiment_score":0.028078978373245758},{"text":"Perfect.","start":2160.5298,"end":2161.0298,"sentiment":"positive","sentiment_score":0.42035651206970215},{"text":"And then with inflation, obviously, things get a bit more expensive at the time.","start":2162.145,"end":2165.345,"sentiment":"neutral","sentiment_score":-0.02491966794644083},{"text":"You probably realize that more than most with the kids and the cost of living.","start":2165.345,"end":2168.725,"sentiment":"neutral","sentiment_score":-0.06377796803911527}],"sentiment":"neutral","sentiment_score":-0.020807496727781094,"num_words":47,"start":2151.65,"end":2168.725},{"sentences":[{"text":"But would you say you're willing to take on a higher amount of risk to try and outpace the inflation and make sure your money is actually growing and not just sort of devaluing?","start":2169.105,"end":2177.445,"sentiment":"neutral","sentiment_score":0.00215284779722638},{"text":"Perfect.","start":2180.2,"end":2180.7,"sentiment":"neutral","sentiment_score":0.26612547039985657},{"text":"And then if your investment was to go the ups and the downs like your crypto there, how much would it have to sort of fluctuate before you got concerned?","start":2181.4,"end":2187.96,"sentiment":"neutral","sentiment_score":0.02811090008666118},{"text":"Like, if it dropped by 25%, would you sort of be, you know, up in arms or, are you quite comfortable given those level of fluctuations?","start":2187.96,"end":2195.9448,"sentiment":"neutral","sentiment_score":-0.006706158200708719},{"text":"Yeah.","start":2222.275,"end":2222.775,"sentiment":"neutral","sentiment_score":0.03400501608848572}],"sentiment":"neutral","sentiment_score":0.011329284793211391,"num_words":92,"start":2169.105,"end":2222.775},{"sentences":[{"text":"Exactly.","start":2222.835,"end":2223.335,"sentiment":"positive","sentiment_score":0.4051551520824432},{"text":"And the good thing about, like, yourself is that you've got the time on your side to be able to recoup those sort of dips in the market.","start":2223.4749,"end":2229.815,"sentiment":"positive","sentiment_score":0.4674466457217932},{"text":"And you're able to take on a little bit more risk now as opposed to later, especially when you're contributing more heavily.","start":2230.85,"end":2236.23,"sentiment":"neutral","sentiment_score":0.26587398147041147},{"text":"You know, you take on that level of risk, invest a little bit harder to get those higher returns.","start":2236.45,"end":2241.25,"sentiment":"neutral","sentiment_score":0.1590403251742062},{"text":"Obviously, if you're in a fund like KeyBass where you're not sort of getting the the rewards and benefit of that at the moment, it can be a little bit sort of disheartening, but we can sort of look to put you in a position that might sort of yield better better returns there for you as well.","start":2241.25,"end":2254.2249,"sentiment":"neutral","sentiment_score":0.17561053221338782}],"sentiment":"neutral","sentiment_score":0.2542973896197509,"num_words":128,"start":2222.835,"end":2254.2249},{"sentences":[{"text":"And then if it was to take a bit of a dip, would you still feel comfortable putting money in there to investing for that growth when it does rebound?","start":2256.125,"end":2263.92,"sentiment":"neutral","sentiment_score":0.1108124398936828},{"text":"Perfect.","start":2266.78,"end":2267.28,"sentiment":"positive","sentiment_score":0.5290306806564331},{"text":"Because obviously, you know, we consider it a bit of a file sale, especially for, like, younger people when markets do take a bit of a a drop because you're not looking at selling out anyway.","start":2267.74,"end":2275.665,"sentiment":"neutral","sentiment_score":0.0805414156574342},{"text":"And then if anything, you're buying more for less at that current time for when it does return.","start":2275.665,"end":2280.485,"sentiment":"neutral","sentiment_score":0.1296609149624904},{"text":"Yep.","start":2291.8398,"end":2292.24,"sentiment":"neutral","sentiment_score":0.22787737846374512}],"sentiment":"neutral","sentiment_score":0.10831010103398978,"num_words":86,"start":2256.125,"end":2292.24},{"sentences":[{"text":"Right.","start":2292.24,"end":2292.64,"sentiment":"neutral","sentiment_score":0.25438743829727173},{"text":"Yes.","start":2292.64,"end":2293.14,"sentiment":"neutral","sentiment_score":0.2284769117832184},{"text":"Sometimes you you just get in at the right time, and you don't have to worry about time in the market.","start":2294.575,"end":2298.2551,"sentiment":"neutral","sentiment_score":0.2137828440893264},{"text":"It just works out for you.","start":2298.2551,"end":2299.5552,"sentiment":"positive","sentiment_score":0.3742804129918416},{"text":"Yeah.","start":2317.23,"end":2317.73,"sentiment":"neutral","sentiment_score":0.2443702071905136}],"sentiment":"neutral","sentiment_score":0.24874522536993027,"num_words":30,"start":2292.24,"end":2317.73},{"sentences":[{"text":"Exactly.","start":2327.355,"end":2327.855,"sentiment":"positive","sentiment_score":0.5975701808929443},{"text":"And giving you in a good position with the house and how much that's increased in value.","start":2328.0752,"end":2331.8352,"sentiment":"positive","sentiment_score":0.7076541115255917},{"text":"You're in a good spot there as well.","start":2331.8352,"end":2333.73,"sentiment":"positive","sentiment_score":0.6299068853259087},{"text":"Perfect.","start":2336.29,"end":2336.79,"sentiment":"positive","sentiment_score":0.6159234046936035},{"text":"And then at the moment there, you're just looking at maybe investment property down the track.","start":2337.49,"end":2343.81,"sentiment":"neutral","sentiment_score":0.10385368554852903}],"sentiment":"positive","sentiment_score":0.46382622169547305,"num_words":43,"start":2327.355,"end":2343.81},{"sentences":[{"text":"But would you ever put borrowed money into things like an investment portfolio or things like that later down the track when you sort of, you know, set yourself up quite nicely?","start":2343.81,"end":2353.7852,"sentiment":"neutral","sentiment_score":0.04670848901150748},{"text":"So as in, like, if you've no.","start":2354.385,"end":2356.945,"sentiment":"neutral","sentiment_score":-0.07608867010899953},{"text":"That's perfectly fine.","start":2356.945,"end":2358.005,"sentiment":"neutral","sentiment_score":0.04262712442626556},{"text":"So if you say, you know, had your investment property and had your primary residence that was largely debt free, if you were to sort of withdraw back on that maybe or take out a loan, given that you've got equity and other assets there for, like, a 200,000 and then putting that into a share portfolio, much like superannuation, but, like, outside superannuation so that you've got a different type of investment and you're using that borrowed money to leverage against shares, just not against property.","start":2358.705,"end":2384.665,"sentiment":"neutral","sentiment_score":0.08178275772209825},{"text":"Yeah.","start":2392.58,"end":2392.9001,"sentiment":"neutral","sentiment_score":0.0795230120420456}],"sentiment":"neutral","sentiment_score":0.0637273481903741,"num_words":130,"start":2343.81,"end":2392.9001},{"sentences":[{"text":"Obviously, it's one of the, like, the later things of, like, branching out when it terms it comes towards, like, your financial thing.","start":2392.9001,"end":2399.22,"sentiment":"neutral","sentiment_score":0.058796915266176926},{"text":"Generally, it's like, you know, get yourself set up, maybe have a a small investment, but mainly look towards, like, getting a primary residence or having that investment property and then looking at branching out from that.","start":2399.22,"end":2409.375,"sentiment":"neutral","sentiment_score":0.08871537547659229},{"text":"You know?","start":2409.375,"end":2409.855,"sentiment":"neutral","sentiment_score":0.027075566351413727},{"text":"Because as you do start to reduce those debt levels and you can afford to still take on that that risk of borrowed money and being able to repay those loans, you can get more by, you know, someone else's money being added on top of that, and you're just gearing for greater returns.","start":2409.855,"end":2423.93,"sentiment":"positive","sentiment_score":0.46645966668923694},{"text":"Now, obviously, the downside of that is if the market takes a dip, then you're still liable for the loans that are taken out for those investments.","start":2423.93,"end":2429.93,"sentiment":"neutral","sentiment_score":-0.27264790098976205}],"sentiment":"neutral","sentiment_score":0.1574564877689093,"num_words":143,"start":2392.9001,"end":2429.93},{"sentences":[{"text":"But if you're still investing for, like, a longer term period and that you've still got that time on your side, and as long as you're not doing it to invest in, like, Bitcoin or something like that where it can just drop by, you know, a 130 percent in a a couple of months, you know, generally, you're a little bit more cautious with those types investments as well and what you're actually putting into much like property.","start":2429.93,"end":2447.58,"sentiment":"neutral","sentiment_score":-0.09331869451871401},{"text":"Perfect.","start":2450.12,"end":2450.62,"sentiment":"positive","sentiment_score":0.5456011295318604},{"text":"And as far when it comes to taking out a loan and things like that, you're quite comfortable with loan values and things and, like, your your knowledge around repaying?","start":2451.32,"end":2458.94,"sentiment":"neutral","sentiment_score":0.21661851356426876},{"text":"Yeah.","start":2459.08,"end":2459.505,"sentiment":"neutral","sentiment_score":0.1819338500499725},{"text":"Perfect.","start":2461.265,"end":2461.765,"sentiment":"positive","sentiment_score":0.48251253366470337}],"sentiment":"neutral","sentiment_score":0.0030038040463945697,"num_words":112,"start":2429.93,"end":2461.765},{"sentences":[{"text":"Now with that, you have come out on the more aggressive side of things in terms of, like, being able to take on that level of risk.","start":2462.625,"end":2470.1448,"sentiment":"neutral","sentiment_score":0.15320039209392336},{"text":"Now with that as well, you're, like, right on the cuff.","start":2470.1448,"end":2472.36,"sentiment":"neutral","sentiment_score":0.16865110803734173},{"text":"So you're right around for that high growth to aggressive mark.","start":2472.36,"end":2475.32,"sentiment":"neutral","sentiment_score":0.2514046701517972},{"text":"Now aggressive's anywhere up until, like, a 100 invested, whereas the high growth is sitting more around that ninety ten split where you still carry some defensive assets.","start":2475.32,"end":2483.6401,"sentiment":"neutral","sentiment_score":0.08007561056209463},{"text":"So when the markets do take those dips and bits of turns as well, you do have a portion that sits outside of that that sort of it's like your fixed interest bonds, those sort of things that generally, you know, just tick along upwards even with those market downturns as well.","start":2483.6401,"end":2498.4,"sentiment":"neutral","sentiment_score":0.09154033453132097}],"sentiment":"neutral","sentiment_score":0.12216464060452557,"num_words":129,"start":2462.625,"end":2498.4},{"sentences":[{"text":"That gives you that a little bit of a defensive portion, if that makes sense.","start":2498.72,"end":2502.3398,"sentiment":"neutral","sentiment_score":0.2338208516438802},{"text":"Now given that you're currently in a growth, would you be comfortable sort of going up to a high growth but maybe not all the way up to an aggressive portfolio?","start":2503.92,"end":2510.42,"sentiment":"neutral","sentiment_score":0.016565181435115876},{"text":"Yeah.","start":2513.945,"end":2514.425,"sentiment":"neutral","sentiment_score":0.16222432255744934},{"text":"It's just sort of a bit so even the growth, you'd feel more comfortable being in like that having a bit more defensive assets.","start":2514.425,"end":2527.08,"sentiment":"neutral","sentiment_score":0.2077047418182095},{"text":"So high growth is around the $90.10 and then growth is around the eighty twenty, which is what you're currently in there.","start":2530.34,"end":2536.84,"sentiment":"neutral","sentiment_score":0.15421553277833897}],"sentiment":"neutral","sentiment_score":0.13506143275768526,"num_words":93,"start":2498.72,"end":2536.84},{"sentences":[{"text":"No.","start":2537.3,"end":2537.46,"sentiment":"neutral","sentiment_score":-0.04463987052440643},{"text":"That's fine.","start":2537.46,"end":2538.28,"sentiment":"neutral","sentiment_score":0.04282405914273113},{"text":"Yep.","start":2546.3352,"end":2546.8352,"sentiment":"neutral","sentiment_score":0.12639258801937103},{"text":"Yeah.","start":2563.325,"end":2563.7249,"sentiment":"neutral","sentiment_score":0.0754544585943222},{"text":"Exactly.","start":2563.7249,"end":2564.2048,"sentiment":"neutral","sentiment_score":0.09831684827804564}],"sentiment":"neutral","sentiment_score":0.056862023775465786,"num_words":6,"start":2537.3,"end":2564.2048},{"sentences":[{"text":"Like, you could take on the the aggressive if you wanted to, which is like a 100%, but you get a lot more fluctuation with that.","start":2564.2048,"end":2570.125,"sentiment":"neutral","sentiment_score":0.08944895963829297},{"text":"And given that you're not sort of yeah.","start":2570.125,"end":2574.4448,"sentiment":"neutral","sentiment_score":0.07573636528104544},{"text":"Because it's like it's not only yours at the end of the day there as well.","start":2574.4448,"end":2577.1648,"sentiment":"neutral","sentiment_score":0.19926249654963613},{"text":"You sort of take into consideration your partner and so is someone else as well.","start":2577.1648,"end":2580.66,"sentiment":"neutral","sentiment_score":0.13264917135238646},{"text":"Like, even though it's solely your superannuation, even though you're comfortable with it, you know, your partner might be comfortable with a 100% investment and things like that as well.","start":2580.66,"end":2589.24,"sentiment":"neutral","sentiment_score":0.09288672798623641}],"sentiment":"neutral","sentiment_score":0.11469582344748472,"num_words":95,"start":2564.2048,"end":2589.24},{"sentences":[{"text":"So ninety, ten, you still have plenty of time.","start":2589.3,"end":2591.22,"sentiment":"neutral","sentiment_score":0.13980439056952795},{"text":"You know, you've got twenty seven years until you can touch it for meeting those conditions of release.","start":2591.22,"end":2595.335,"sentiment":"neutral","sentiment_score":0.09787536226212978},{"text":"So that gives you more than enough time because it's around that seven to ten years split that you're looking at or time horizon to hold those sort of investments for those average returns, and you've got that nearly, like, three times over.","start":2595.635,"end":2607.8298,"sentiment":"positive","sentiment_score":0.39576774350432464},{"text":"So even if you do it for ten years and you get a nice return, you wanna look at dialing it back then or same sort of thing.","start":2607.97,"end":2613.17,"sentiment":"positive","sentiment_score":0.4166610432522638},{"text":"You can hold it all the way up until, like, you know, the age of 55 before you really start to look at maybe reducing a risk profile as well and things like that.","start":2613.17,"end":2620.635,"sentiment":"neutral","sentiment_score":0.17654694594881115}],"sentiment":"neutral","sentiment_score":0.2856599574231289,"num_words":132,"start":2589.3,"end":2620.635},{"sentences":[{"text":"Perfect.","start":2623.115,"end":2623.615,"sentiment":"positive","sentiment_score":0.7863147258758545},{"text":"Now in regards to anything that I haven't really touched on or any concerns that you may have, is there anything there that you really sort of wanted addressed in the advice piece apart from, like, you know, your general super insurances and estate planning?","start":2624.155,"end":2635.935,"sentiment":"neutral","sentiment_score":0.13527072121699651},{"text":"Yeah.","start":2662.17,"end":2662.57,"sentiment":"neutral","sentiment_score":0.18713468313217163},{"text":"Not a problem at all.","start":2662.57,"end":2663.79,"sentiment":"neutral","sentiment_score":0.3235528916120529},{"text":"And then with that, did you want sort of the referrals still to the the broker there just to have that conversation sort of more recently?","start":2664.09,"end":2670.43,"sentiment":"neutral","sentiment_score":0.10247095831884788}],"sentiment":"neutral","sentiment_score":0.1454184774118356,"num_words":78,"start":2623.115,"end":2670.43},{"sentences":[{"text":"Or yeah.","start":2670.49,"end":2682.825,"sentiment":"neutral","sentiment_score":0.15714233368635178},{"text":"And then it's saying that because, generally, they'll reach out within a few days once they do it.","start":2682.825,"end":2692.04,"sentiment":"positive","sentiment_score":0.33790654523505104},{"text":"So I just give them that your general information, sort of what you're looking forward.","start":2692.04,"end":2695.56,"sentiment":"positive","sentiment_score":0.5262942532698314},{"text":"So just ship an email and then, like, a phone number and when you sort of generally, you know, available.","start":2695.56,"end":2700.365,"sentiment":"neutral","sentiment_score":0.21806467399001123},{"text":"So is afternoon sort of work better for you generally?","start":2701.225,"end":2703.725,"sentiment":"neutral","sentiment_score":0.12174080610275269}],"sentiment":"neutral","sentiment_score":0.3056879664842899,"num_words":65,"start":2670.49,"end":2703.725},{"sentences":[{"text":"Yep.","start":2711.305,"end":2711.61,"sentiment":"neutral","sentiment_score":0.057205140590667725},{"text":"No problem.","start":2711.6902,"end":2712.33,"sentiment":"neutral","sentiment_score":0.20843154937028885},{"text":"They're pretty good in the sense that they'll reach out.","start":2712.33,"end":2714.09,"sentiment":"positive","sentiment_score":0.40724619925022126},{"text":"They'll shoot you an email.","start":2714.09,"end":2714.9702,"sentiment":"neutral","sentiment_score":0.23461809158325195},{"text":"If you feel like you don't wanna have a chat or you're not up to it, then same sort of thing.","start":2714.9702,"end":2718.57,"sentiment":"neutral","sentiment_score":-0.014890512362832115}],"sentiment":"neutral","sentiment_score":0.13863897256744215,"num_words":39,"start":2711.305,"end":2718.57},{"sentences":[{"text":"And if you just tell them, like, give us a few months, we'll reach back out, they're they're pretty flexible as well.","start":2718.57,"end":2723.4702,"sentiment":"neutral","sentiment_score":0.08618390289219943},{"text":"Now within regards to that as well, are you still happy for me to transfer you through to one of my colleagues to be able to do that that, Chris?","start":2725.545,"end":2731.485,"sentiment":"neutral","sentiment_score":0.2328106679022312},{"text":"Perfect.","start":2732.345,"end":2732.845,"sentiment":"positive","sentiment_score":0.49777984619140625},{"text":"So what I'll do is I'll pop you on a brief hold, and then I'll run through those questions.","start":2733.225,"end":2736.91,"sentiment":"neutral","sentiment_score":0.24343075171897285},{"text":"Obviously, if you haven't had, like, many injuries, things like that, it'll run quite quickly in terms of that.","start":2736.91,"end":2742.29,"sentiment":"neutral","sentiment_score":0.1511408718008744}],"sentiment":"neutral","sentiment_score":0.1854396328985036,"num_words":91,"start":2718.57,"end":2742.29},{"sentences":[{"text":"And then I'll just get through as quick as possible, and we'll get those sent off to the insurers just to see what they'll rate you at.","start":2742.83,"end":2747.23,"sentiment":"neutral","sentiment_score":0.3153498989564401},{"text":"And then they'll even book in a time, maybe not next week, but the week after just to be able to run through everything.","start":2747.23,"end":2752.895,"sentiment":"neutral","sentiment_score":0.30947988914946717},{"text":"And like I said, you won't get charged until you're sort of happy with the advice.","start":2753.355,"end":2756.875,"sentiment":"positive","sentiment_score":0.35046896152198315},{"text":"All this is complimentary up until the point of signing, and you'll know all the fees and everything that you do get charged.","start":2756.875,"end":2762.34,"sentiment":"neutral","sentiment_score":0.1684578315800299},{"text":"So at the moment, it's 1.65 ongoing with an upfront fee as well for the initial advice piece.","start":2762.34,"end":2767.8,"sentiment":"neutral","sentiment_score":0.017198276861260336}],"sentiment":"neutral","sentiment_score":0.23827376949635368,"num_words":108,"start":2742.83,"end":2767.8},{"sentences":[{"text":"Now this will all be disclosed in the advice piece, and I'll go through it a little bit more in-depth in terms of those costs.","start":2768.1802,"end":2772.9001,"sentiment":"neutral","sentiment_score":0.04586617939174175},{"text":"The good thing about the upfront is it's never charged again, and then the ongoing is just the ongoing management, and you get the benefits of being an ongoing client, updated advice, your 12 monthly reviews, things like that, or you can have, like, quarterly, bi yearly, things like that as well.","start":2772.9001,"end":2786.275,"sentiment":"positive","sentiment_score":0.4593840083823754},{"text":"It's 1.65% ongoing.","start":2787.295,"end":2791.97,"sentiment":"neutral","sentiment_score":0.009672601707279682},{"text":"The balance is under management.","start":2792.83,"end":2794.21,"sentiment":"neutral","sentiment_score":-0.00937202963978052},{"text":"Yeah.","start":2797.55,"end":2798.05,"sentiment":"neutral","sentiment_score":-0.04343042150139809}],"sentiment":"neutral","sentiment_score":0.29038779251277447,"num_words":86,"start":2768.1802,"end":2798.05},{"sentences":[{"text":"It's based on the balance under management.","start":2807.7249,"end":2809.645,"sentiment":"neutral","sentiment_score":-0.027060905737536296},{"text":"So, yeah, the entire sort of balance.","start":2809.645,"end":2811.405,"sentiment":"neutral","sentiment_score":-0.0017064312206847326},{"text":"And, obviously, as it grows that yeah.","start":2811.405,"end":2813.585,"sentiment":"neutral","sentiment_score":0.0642941373267344},{"text":"It is capped at the moment at 600,000 there as well.","start":2814.02,"end":2816.9,"sentiment":"neutral","sentiment_score":-0.029630380259318786},{"text":"So, you know, if you got to a point, it may change in the future.","start":2816.9,"end":2819.8599,"sentiment":"neutral","sentiment_score":-0.028283265729745228}],"sentiment":"neutral","sentiment_score":-0.010670118430193434,"num_words":47,"start":2807.7249,"end":2819.8599},{"sentences":[{"text":"I think they are discussing about changing the fee structures a little bit to be a little bit more sort of fair for, like, higher balance, lower balances, things like that.","start":2819.8599,"end":2826.735,"sentiment":"neutral","sentiment_score":-0.0013731319697633867},{"text":"But that's the way it's currently at, and it's charged, like, monthly in the sense that it's a dollar cost averages.","start":2827.2952,"end":2832.175,"sentiment":"neutral","sentiment_score":0.04314092919230461},{"text":"So as the markets go up and down, you sort of the fee goes up and down with that and how your superannuation is performing.","start":2832.175,"end":2838.195,"sentiment":"neutral","sentiment_score":0.07739981666207313},{"text":"So I was just seeing if someone's available for the pre assessment there that's around me.","start":2850.67,"end":2855.585,"sentiment":"neutral","sentiment_score":0.11864516139030457},{"text":"Yep.","start":2863.42,"end":2863.92,"sentiment":"neutral","sentiment_score":0.010468557476997375}],"sentiment":"neutral","sentiment_score":0.050076372109036496,"num_words":94,"start":2819.8599,"end":2863.92},{"sentences":[{"text":"Sorry.","start":2864.22,"end":2864.72,"sentiment":"neutral","sentiment_score":-0.06618592888116837},{"text":"Just a final liaison while I'm on the phone sort of half on hold.","start":2864.86,"end":2868.56,"sentiment":"neutral","sentiment_score":-0.08172085934451648},{"text":"Yeah.","start":2869.18,"end":2869.68,"sentiment":"neutral","sentiment_score":-0.04974355176091194},{"text":"So within regards to the the process there as well, once we sort of get you booked in, present the advice piece for you were to to come on board, that fees does cover, like, all the ongoing services there as well, which are included in the the OSA and the financial services guide as well.","start":2870.06,"end":2887.7048,"sentiment":"neutral","sentiment_score":0.06547642326248544},{"text":"And then yeah.","start":2890.82,"end":2891.3801,"sentiment":"neutral","sentiment_score":0.053773981829484306}],"sentiment":"neutral","sentiment_score":0.03423973515629768,"num_words":75,"start":2864.22,"end":2891.3801},{"sentences":[{"text":"So that's all included in that plus, like, the liaison with the the OVA partners and things like that as well in terms of that ongoing fee.","start":2891.3801,"end":2898.68,"sentiment":"neutral","sentiment_score":0.08125685748678667},{"text":"But do you have any questions in regards to the fee apart from that or anything else?","start":2899.3801,"end":2903.685,"sentiment":"neutral","sentiment_score":0.014866681824273923},{"text":"Perfect.","start":2907.0452,"end":2907.5452,"sentiment":"positive","sentiment_score":0.5826156735420227},{"text":"Obviously, the benefit is is we don't charge upfront to to give you the advice piece because if you weren't happy with it, you'd probably still go ahead with it because you paid the $5 for it.","start":2907.845,"end":2915.7852,"sentiment":"neutral","sentiment_score":0.20051189632834615},{"text":"But yeah, so and with that, you get to see what you're you're buying before you you come on board anyway.","start":2916.245,"end":2922.18,"sentiment":"neutral","sentiment_score":0.09640278259203547}],"sentiment":"neutral","sentiment_score":0.12109400985708225,"num_words":103,"start":2891.3801,"end":2922.18},{"sentences":[{"text":"Now with in regards to that one, I will be popping you on a brief hold, and then you will be speaking with my my colleague, Samantha, just to do that.","start":2925.44,"end":2932.5251,"sentiment":"neutral","sentiment_score":0.06286829097136375},{"text":"That praise has been a run through those questions.","start":2932.5251,"end":2934.625,"sentiment":"neutral","sentiment_score":0.23439990232388178},{"text":"But it'll be a brief hold there, and then you go through to her.","start":2935.165,"end":2937.725,"sentiment":"neutral","sentiment_score":0.08476122096180916},{"text":"But do you have any other questions for me there just before I I let you go for the afternoon?","start":2937.725,"end":2941.2651,"sentiment":"neutral","sentiment_score":0.05336589720100164},{"text":"Brilliant.","start":2945.8198,"end":2946.14,"sentiment":"positive","sentiment_score":0.4340030550956726}],"sentiment":"neutral","sentiment_score":0.08995325644810995,"num_words":75,"start":2925.44,"end":2946.14},{"sentences":[{"text":"Obviously, if anything does come up, feel free to shoot us an email, give us a callback, and we can include that in the the advice piece or address any concerns you may have as well.","start":2946.14,"end":2953.68,"sentiment":"neutral","sentiment_score":0.22122099002202353},{"text":"Perfect, mate.","start":2955.7551,"end":2956.155,"sentiment":"positive","sentiment_score":0.4138636887073517},{"text":"Well, thanks for your time this afternoon.","start":2956.155,"end":2957.355,"sentiment":"positive","sentiment_score":0.49300613573619295},{"text":"I've taken up a bit of it there.","start":2957.355,"end":2958.395,"sentiment":"positive","sentiment_score":0.3820847552269697},{"text":"So hopefully no.","start":2958.395,"end":2960.3152,"sentiment":"neutral","sentiment_score":0.2473098188638687}],"sentiment":"neutral","sentiment_score":0.2864523833351476,"num_words":56,"start":2946.14,"end":2960.3152},{"sentences":[{"text":"That that's no problem at all.","start":2960.3152,"end":2961.435,"sentiment":"neutral","sentiment_score":0.31857576717933017},{"text":"So hopefully, this goes a bit quick for you there, and we'll get you booked in for a time to go through that advice piece then.","start":2961.435,"end":2966.635,"sentiment":"positive","sentiment_score":0.34654224950533646},{"text":"Brilliant.","start":2966.635,"end":2967.135,"sentiment":"positive","sentiment_score":0.36120057106018066},{"text":"So a brief hold, and then you'll be speaking with Samantha.","start":2967.5151,"end":2969.695,"sentiment":"neutral","sentiment_score":0.11749111251397566},{"text":"Cheers.","start":2971.67,"end":2971.91,"sentiment":"positive","sentiment_score":0.7781040668487549}],"sentiment":"neutral","sentiment_score":0.29673911035060885,"num_words":45,"start":2960.3152,"end":2971.91},{"sentences":[{"text":"Thanks, man.","start":2971.91,"end":2972.47,"sentiment":"positive","sentiment_score":0.7628181874752045},{"text":"Bye.","start":2972.47,"end":2972.97,"sentiment":"positive","sentiment_score":0.5782005190849304}],"sentiment":"positive","sentiment_score":0.7012789646784464,"num_words":3,"start":2971.91,"end":2972.97}]}}]},{"alternatives":[{"transcript":"Sorry about that, man. I do apologize. No, mate. No. First time. Yeah. My Supa. So a gentleman I work with suggested I give you a call and have a chat with you is because I'm with Speedbus at the moment, my Supa. I'm just not really liking how they're performing and and that sort of stuff. And then, like, told me at work told me that he reached out to you about two years ago, and he's just done pretty good work for him. And he's super sort of rising since going with your company, and I just wanted to sorta jump on the on the train as well, you know, and just sorta I'd like to better myself with my super. You know? I'd like to obviously, super is a long term game, but I'd rather work in my favor. And and then he was telling me, like, you did some I know everybody's different, but you did some, like, a projected, like, outcome after, like, you know, six years of retirement, and it was just nearly double of what SeaBus could offer just off the statistics that he had. You know? So I was quite happy to ring up and just chat with you about how, yeah, they possibly join up in that. His name is Dustin Jodlowski, but I'm not spelling his last name because I can't. Dustin Jodlowski, j o d l o w s k I. Jodlowski. Yep. Yeah. So and this is another thing too. Lately, in the last sort of few months, me and my wife have been considering possibly buying an investment property and then going that sort of direction as well. But then another thing too, we were looking at wondering if it's better to do it through super or maybe just use the equity from our house and and just sort of get a bit of financial planning as well, just a bit of help there. You know? Just sorta, again, make my money work a bit better, you know, for me and things we could possibly do better. Yeah. Yeah. What sort of because I think I'm doing stuff okay, but I yeah. Obviously, everybody could improve in things. Like, I think, oh, I sadly sacrifice a a bit of money every week, and maybe that's maybe I'm doing the right thing. Maybe I'm doing the wrong thing. Maybe I need to take a different approach to it. You know? Just sort of getting a bit of help. You know? Mainly for the super at the minute, but, eventually, long term, we would like to look at yeah. Like I said, investing in some other stuff as well. Yeah. I'm at 20. Condor Close. I am. Yes. Yep. Yeah. Yeah. I'm probably gonna do a bit of that stuff as well. You know? Yep. Yep. Okay. Yeah. Yeah. Oh, yeah. It's a it's a necessary able with our money. That's for sure. Yeah. Yeah. Yeah. So that's yeah. Mainly so now in the last probably six months, I've been mainly driving the crane. But, yeah, I still, on the odd occasion, get out and do a bit of rigging and dogging. Yes. Mainly driving these days. So It's the drivable cranes. So the cranes are driver on the ground and on the road, but you the odd occasion, you will go up above 11 meters and that, but it's sorta it's sorta few and far between depending on the job. You may do it twice in a week. You may not do it for twelve months. Just depends on it's a bit hard. This is the only thing I don't like about it. It's very hard to explain, and it's very inconsistent on job. So it's a bit hard for things. Yeah. Yeah. Pretty average, though. A hundred and eighteen. I don't know. A hundred eighteen. Yep. It'll come back as high risk straight on our road. Yeah. Yeah. It's just the standard. I did not do a single thing which they bust at all. Like, in I didn't change any of the numbers or anything. I just left it in asset and forget sorting, which is pretty bad on my part. Yep. Okay. Yep. Okay. Yes. Okay. Yep. He must have done something similar to Dusty because I remember him saying that they took the the all of his super and left, like, 5 or $10 in his seat bus just for the insurances and purposes of it. Does that sound sort of like yeah. But you can find both, can't you? If you were to get hurt or something, can't you find both funds? That's all. Yeah. Yeah. Yeah. Sort of, man. I'm sort of picking up the area. Where are you going with it? Yep. Yep. Alright. Ninety ninety hours would be again, it's I just sort of the lady asked me sort of a range. Ninety hours would be absolutely pushing the shit out of it. I'm not really I do it on the odd occasion, but, again, it's not like more the more average I reckon would be around that forty to fifty mark, but there is weeks where and weeks and months where you will just get absolutely gangbusters with work, and you will do, obviously, a lot more hours. But, mainly, I would say an average would be close to that forty to fifty hour mark or even between you know? Yeah. It's a bit again, it's hard to try and tell people because, obviously, you don't have a discounted office job. Yeah. No. I'd have to work it out. I it again, it fluctuates because we get a few allowances and that, but I'm on I couldn't even tell you, actually. It's close to $60 an hour. And then, obviously, whatever that works, that's to be over the thirty six hours they pay us. So I I couldn't I'd have to have a look at me, basically, man. I do apologize before I figure out. Yeah. Yep. Oh, one $30 a year. Yeah. Okay. Yep. Yep. On the average, if I just did eight hours a day, it's probably around that year, I suppose. Yep. Yep. Yep. Yep. Okay. Four one 50. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Okay. Yep. Yeah. Yeah. Yep. Yep. Yep. Yes. Yep. Yep. Yes. I won't I won't lie, man. No. I haven't really thought of it like that, actually, to be honest. I I'd like to honestly, if I could cover the house because that is the most major bill, that would be good enough for me. But like you said, you'd wanna have a little bit of income protection. Is it I don't know. Is there a right or wrong way to go, really? Or I don't I can't really Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. That's that's pretty good. Yeah. Yep. Yeah. Yeah. We get income protection called u plus through our union, actually. I don't so that's the best thing ever, but it's the same. We sort of get that. If we do hurt ourselves too from work or on our way or anything, we get covered for that, actually. So I've sort of got it, but it's not really sorry. So we're with the CF yeah. We're with the CFMBU and the the comp the thing is called u plus. It's what the income it's sort of like an income protection where it's more or less like if you hurt yourself and, like, you said, you're off for a couple of months. Like, a gentleman hurt his legs, snapped his femur off a ladder, and he was off for two years, and they paid him his whole whatever it was, like, 80% of his wage for two years or something. But, yeah, our EBA, we're with the CFMEU, and now I work for. But the New South Wales EBA is different than the Queensland. Why don't you look at them up? It's all through the spare 50. Yeah. Yeah. So, yeah, it's it's as long as I'm with the union, yeah, they're happy to help me. I also get free ambulance from that too, obviously. If you call an ambulance, you gotta pay for it, then I'll just reimburse you. There's a few little, yeah, Not it's pretty much just that that I that I know of. Yeah. It wouldn't be anything else. Yeah. Yeah. Yeah. Yeah. 100%. And they're pretty they're pretty good. It doesn't take much to get it. Like, a few boys have had it. The only thing is you can't claim after yeah. Once you make your claim, you can't claim that same injury again. That's happy. Yeah. Yeah. Yeah. Exactly. Yep. Yeah. So I could be doing from work. I can be at home. Yeah. It covers us pretty much. Yeah. The gentleman that snapped his leg, it was a Sunday, and he was climbing up the ladder, and he fell off it, and they covered him. Yeah. Yeah. It's pretty good. Yep. Yep. Alright. Yeah. Yeah. Yeah. Right. I I was sort of thinking, Ben, I know other tax strikes can happen to anybody, but I was just thinking Ben, 33. It's really not well, I don't know if I'll get that, to be honest, man. I don't I can yeah. Yeah. I'm happy to say it all cost wise, man, if you could send it. Like, yeah, that'd be the best. And then I can discuss it with me with me wife, see what she thinks as well, you know, because it's obviously for both of us, really. Yeah. Yeah. Okay. Yep. Yeah. I I personally like the amount, but I just wasn't sure. Again, look, I think I'm doing the right thing, but I don't know. Is that, like, I don't know if it's a smart way to go about it. I was just trying to do most years, I can put close to my $30 a year total including four just plus salary sacrifice from my 5%. I just thought it was a good idea. And, Dustin's the guy that told me to do that years and years ago, actually, and I just sort of let set and forget the same thing. I've just been doing it for a few years now. Just let it let it do its thing. But I don't actually know. I'm happy I'm happy with it, but I don't know if it's the right way to go or the wrong way to go or because I know some people do after tax contributions, so they get a bit more back on tax. It's like there's obviously many ways to skin the cat. But, yeah, I'm quite happy with it. If if you think it's a sort of half smart idea Yeah. Yeah. Yes. Yep. Yep. Yeah. I've never I've got close, but I've never gone over yet. Okay. Well, the way I always got told when I was younger was it's better off putting it in the super on the off chance that the market dies in the ass and, you know, it goes to shit, but better than giving it to the tax man. That's why I sort of started doing it. And the other reason too was my partner or my wife, she's been off work for six years now, five years because we've obviously got kids. She hasn't been contributing no super no nothing. So my theory was if Paul just put in, let's say, $15 and I'll put in $15, I'm obviously looking at the big picture here. But if if we do last and we do retire, then I'm putting in enough to cover her and the years that she's been off. Now that's why, again, that's where I say, like, I think I'm doing the right thing, but it may not be the right way to go about it. But in my head, it seemed smart, you know, to yeah. And, also, it's only gonna benefit us in the long run eventually. So whether I die or whether I retire with it, you know, it's only gonna benefit us really. Yeah. Yeah. She's just staying home. I'm pretty much in it's because of the job I do. She it's very inconsistent. Like, today, I'm getting home late because just just how it was. You know? So she really has no plan and more work, unfortunately. Yes. Okay. Okay. Yep. Yeah. I thought doing it online because, obviously, I've got the more money there. It might be a bit better than compiling, you know, eventually, I haven't used. That's what I thought. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. All our savings is technically in our offset, but, yeah, we got about just shy of $60. All our all our savings just fits in our offset, obviously, to bring the tax pool or the to to bring the interest down on the home loan. But, yeah, we've got just just shy of about $60 getting in the savings. Yes. Yeah. Yeah. Yeah. We got a mortgage broker for this house. Yeah. The the the gentleman doesn't do it anymore, so we would have to find someone eventually if the time comes to it. Yeah. The gentleman that did that doesn't do it anymore. He's always moving on to other things. But, yeah, definitely, it seems like the way to go. Yes. Yes. Yes. Yep. Yeah. Yep. Yep. Yep. Yep. No. Not in the last five or 10. No. Ah, man. The worst I got was an appendix yet, to be honest. When I was 11, that was, yeah, but that was a long time ago. Yep. Yeah. Yep. Sorry. I shouldn't laugh. It's just yeah. It's just I didn't know what direction you're going at. Could be yeah. Yeah. Right. Yes. Yep. Yep. No. No. No. Political affiliation to you. No. I don't hear about it. Yeah. Yep. Just no. Not really, man. This doesn't sort of yeah. Like I said, just making the money work for me. Looking at possibly doing something with the money that we do have to make it obviously better. And then other than that, they're not really just just working and doing my thing. A little bit of a boring life. It's simple as easy. Exactly, man. That's why I like it. Yeah. Okay. Yep. Yep. I suppose. Yeah. No. No. You're okay. No. The other occasion you'd have a have a go, but, no, not really too consistent. I just I never really gave too too much of a thought when I was a bit younger, but now I'm getting a little bit older. I'm sort of a bit more, like, interested in it, like, per se hence why yeah. So I would say I'm a little bit more interested than what I was, obviously, when I was younger. Yeah. Yeah. Yeah. Not like I'm not turning me all attention to it, but I'm I'm sorta, like, listening a lot more and and, yeah, paying a little bit more attention to things. Yeah. Yeah. Just from what you're hearing on the news. Yeah. Yeah. Exactly. Yeah. I bought a crypto a few years ago. That's about as risky as it got for me. Yeah. Yeah. Sure. Yeah. Once it all happened, yeah, what's the on the lows and the crying and the or the whole log. Yeah. Yeah. Exactly. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Uh-huh. That's sort of not too bad because I understand, like, the market fluctuates, so it's not really that big of a thing. I mean, it'd be a bit bad if I lost it all, but what do you do there? Like, not much I can do about it if it does have. But, yeah, like, 25% isn't that much, especially at the minute, but, like, obviously, towards the older, I get the more money that does compile in there would be I'd obviously change it. But, yeah, at the moment, yeah, I'm happy with, you know, running that risk sort of thing. Yeah. That's what I'm hoping to do. Yeah. Yes. Yep. Yep. Yeah. 100%. Yeah. Yeah. 100 percent. That's oh, just we got lucky. That's how we bought this house where we are now. Now the the banks weren't lending money. Now I wanted to buy. We got it for a steal. It was the the best way to pay. Yeah. Exactly. Yeah. A 100 percent. And that's the thing. The other thing too, man, I look at it as, like, I know I'm not that young, but I like I do have time on me, so I like you saying. So you can always it can always bounce back. Because even though I was super in the ass a little bit with COVID and all that carry on, but but it's already you know, bounces back. It just fluctuates just how it's gonna be. But I'd much rather try and invest the more money now rather than yeah. And then I don't have to worry about it later. And like you said, a dollar today rather than a dollar tomorrow. Yeah. What do you mean by an investment portfolio? Sorry, man. I've been a bit of a dumbass. I mean, I've it sounds good. I'd love to do it. I'm not really that savvy, though. I won't lie, but I yeah. It sounds good. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. I'd be happy with high growth. Yeah. I always thought that yeah. That what like, that 80%, eighty twenty would be not a bad split, I think. You know? Yeah. Like that high growth what you said. Yeah. Oh, sorry, man. Oh, yeah. No. Well, I'm happily I'm happy to go the higher risk at the minute or the higher one, like, the 90 tens. But, again, while I'm younger and I'm investing, it it seems like yeah. I was happy to go, yeah, I'm happy as with the $90.10. It's not a bad thing because as I said, I'm putting a bit extra money in and work a bit harder now. And then, obviously, later down the track, I don't have to be as aggressive with it. You know? Yeah. Yeah. The 90¢ good, man. I think that's a good split. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. No. Not really, man. It's pretty much covered. That's exactly what I run for. It was exactly that. And then just to see I I just sort of wanted to get the ball rolling a little bit just to see, you know, like, get it sort of slowly moving. And then as it as it as the days go on, sort of, like, work out which direction we wanna go. Yeah. The main thing was the super and just trying to sort that out. And then, obviously, later on down the track, we'd be obviously looking at other things to do, like investing in that. You know? You can send it through, man. 100%. I don't mind. I'm gonna I'm gonna go inside when we're done this conversation and talk to me with my wife, obviously, and and put it in front of her what's been said and what you're sort of, like, offering. You know? But, yeah, by all means, you can put us through. And if I don't wanna talk to them or we're not that ready, I'll just I'll just tell them, yeah, we're just not ready. I mean, that's cool. Yeah. I prefer as late as possible, man. Just because with work. Unless I've got a day off, it's just hard with work because I don't know what I'm doing from day to day. You know? Yeah. Sweet. Yeah. Yeah. Yep. Yeah. 100 percent there. Yeah. Yep. Yep. Yep. Yep. Yep. Can I ask? You said 1.5 percentager? Is that it obviously all comes out of the super, doesn't it? That's sort of what I was under understanding. Now it sounds really dumb. Do you get is it 1 0.65 off the profit of the super or just the entire super coverage? Yeah. Yeah. That's cool. No dramas, man. Yep. Yep. Yeah. That's cool. It's alright. Yeah, man. Yep. Yep. Yep. No. No. I'm pretty much happy as me, to be honest. Yeah. Yeah. I know what you mean. Yep. Yeah. That's okay. Yep. I mean, I'm I'm pretty much covered, I think, from what I've what I've needed to ask anyway. Yep. Yeah. I appreciate it, man. Thank you very much. Thanks, mate. 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about that, man. I do apologize. No, mate. No. First time.\n\nYeah. My Supa. So a gentleman I work with suggested I give you a call and have a chat with you is because I'm with Speedbus at the moment, my Supa. I'm just not really liking how they're performing and and that sort of stuff. And then, like, told me at work told me that he reached out to you about two years ago, and he's just done pretty good work for him.\n\nAnd he's super sort of rising since going with your company, and I just wanted to sorta jump on the on the train as well, you know, and just sorta I'd like to better myself with my super. You know? I'd like to obviously, super is a long term game, but I'd rather work in my favor. And and then he was telling me, like, you did some I know everybody's different, but you did some, like, a projected, like, outcome after, like, you know, six years of retirement, and it was just nearly double of what SeaBus could offer just off the statistics that he had. You know?\n\nSo I was quite happy to ring up and just chat with you about how, yeah, they possibly join up in that. His name is Dustin Jodlowski, but I'm not spelling his last name because I can't. Dustin Jodlowski, j o d l o w s k I. Jodlowski. Yep.\n\nYeah. So and this is another thing too. Lately, in the last sort of few months, me and my wife have been considering possibly buying an investment property and then going that sort of direction as well. But then another thing too, we were looking at wondering if it's better to do it through super or maybe just use the equity from our house and and just sort of get a bit of financial planning as well, just a bit of help there. You know?\n\nJust sorta, again, make my money work a bit better, you know, for me and things we could possibly do better. Yeah. Yeah. What sort of because I think I'm doing stuff okay, but I yeah. Obviously, everybody could improve in things.\n\nLike, I think, oh, I sadly sacrifice a a bit of money every week, and maybe that's maybe I'm doing the right thing. Maybe I'm doing the wrong thing. Maybe I need to take a different approach to it. You know? Just sort of getting a bit of help.\n\nYou know? Mainly for the super at the minute, but, eventually, long term, we would like to look at yeah. Like I said, investing in some other stuff as well. Yeah. I'm at 20.\n\nCondor Close. I am. Yes. Yep. Yeah.\n\nYeah. I'm probably gonna do a bit of that stuff as well. You know? Yep. Yep.\n\nOkay. Yeah. Yeah. Oh, yeah. It's a it's a necessary able with our money.\n\nThat's for sure. Yeah. Yeah. Yeah. So that's yeah.\n\nMainly so now in the last probably six months, I've been mainly driving the crane. But, yeah, I still, on the odd occasion, get out and do a bit of rigging and dogging. Yes. Mainly driving these days. So It's the drivable cranes.\n\nSo the cranes are driver on the ground and on the road, but you the odd occasion, you will go up above 11 meters and that, but it's sorta it's sorta few and far between depending on the job. You may do it twice in a week. You may not do it for twelve months. Just depends on it's a bit hard. This is the only thing I don't like about it.\n\nIt's very hard to explain, and it's very inconsistent on job. So it's a bit hard for things. Yeah. Yeah. Pretty average, though.\n\nA hundred and eighteen. I don't know. A hundred eighteen. Yep. It'll come back as high risk straight on our road.\n\nYeah. Yeah. It's just the standard. I did not do a single thing which they bust at all. Like, in I didn't change any of the numbers or anything.\n\nI just left it in asset and forget sorting, which is pretty bad on my part. Yep. Okay. Yep. Okay.\n\nYes. Okay. Yep. He must have done something similar to Dusty because I remember him saying that they took the the all of his super and left, like, 5 or $10 in his seat bus just for the insurances and purposes of it. Does that sound sort of like yeah.\n\nBut you can find both, can't you? If you were to get hurt or something, can't you find both funds? That's all. Yeah. Yeah.\n\nYeah. Sort of, man. I'm sort of picking up the area. Where are you going with it? Yep.\n\nYep. Alright. Ninety ninety hours would be again, it's I just sort of the lady asked me sort of a range. Ninety hours would be absolutely pushing the shit out of it. I'm not really I do it on the odd occasion, but, again, it's not like more the more average I reckon would be around that forty to fifty mark, but there is weeks where and weeks and months where you will just get absolutely gangbusters with work, and you will do, obviously, a lot more hours.\n\nBut, mainly, I would say an average would be close to that forty to fifty hour mark or even between you know? Yeah. It's a bit again, it's hard to try and tell people because, obviously, you don't have a discounted office job. Yeah. No.\n\nI'd have to work it out. I it again, it fluctuates because we get a few allowances and that, but I'm on I couldn't even tell you, actually. It's close to $60 an hour. And then, obviously, whatever that works, that's to be over the thirty six hours they pay us. So I I couldn't I'd have to have a look at me, basically, man.\n\nI do apologize before I figure out. Yeah. Yep. Oh, one $30 a year. Yeah.\n\nOkay. Yep. Yep. On the average, if I just did eight hours a day, it's probably around that year, I suppose. Yep.\n\nYep. Yep. Yep. Okay. Four one 50.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. Yep. Okay. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Yes.\n\nYep. Yep. Yes. I won't I won't lie, man. No.\n\nI haven't really thought of it like that, actually, to be honest. I I'd like to honestly, if I could cover the house because that is the most major bill, that would be good enough for me. But like you said, you'd wanna have a little bit of income protection. Is it I don't know. Is there a right or wrong way to go, really?\n\nOr I don't I can't really Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yeah. That's that's pretty good. Yeah.\n\nYep. Yeah. Yeah. We get income protection called u plus through our union, actually. I don't so that's the best thing ever, but it's the same.\n\nWe sort of get that. If we do hurt ourselves too from work or on our way or anything, we get covered for that, actually. So I've sort of got it, but it's not really sorry. So we're with the CF yeah. We're with the CFMBU and the the comp the thing is called u plus.\n\nIt's what the income it's sort of like an income protection where it's more or less like if you hurt yourself and, like, you said, you're off for a couple of months. Like, a gentleman hurt his legs, snapped his femur off a ladder, and he was off for two years, and they paid him his whole whatever it was, like, 80% of his wage for two years or something. But, yeah, our EBA, we're with the CFMEU, and now I work for. But the New South Wales EBA is different than the Queensland. Why don't you look at them up?\n\nIt's all through the spare 50. Yeah. Yeah. So, yeah, it's it's as long as I'm with the union, yeah, they're happy to help me. I also get free ambulance from that too, obviously.\n\nIf you call an ambulance, you gotta pay for it, then I'll just reimburse you. There's a few little, yeah, Not it's pretty much just that that I that I know of. Yeah. It wouldn't be anything else. Yeah.\n\nYeah. Yeah. Yeah. 100%. And they're pretty they're pretty good.\n\nIt doesn't take much to get it. Like, a few boys have had it. The only thing is you can't claim after yeah. Once you make your claim, you can't claim that same injury again. That's happy.\n\nYeah. Yeah. Yeah. Exactly. Yep.\n\nYeah. So I could be doing from work. I can be at home. Yeah. It covers us pretty much.\n\nYeah. The gentleman that snapped his leg, it was a Sunday, and he was climbing up the ladder, and he fell off it, and they covered him. Yeah. Yeah. It's pretty good.\n\nYep. Yep. Alright. Yeah. Yeah.\n\nYeah. Right. I I was sort of thinking, Ben, I know other tax strikes can happen to anybody, but I was just thinking Ben, 33. It's really not well, I don't know if I'll get that, to be honest, man. I don't I can yeah.\n\nYeah. I'm happy to say it all cost wise, man, if you could send it. Like, yeah, that'd be the best. And then I can discuss it with me with me wife, see what she thinks as well, you know, because it's obviously for both of us, really. Yeah.\n\nYeah. Okay. Yep. Yeah. I I personally like the amount, but I just wasn't sure.\n\nAgain, look, I think I'm doing the right thing, but I don't know. Is that, like, I don't know if it's a smart way to go about it. I was just trying to do most years, I can put close to my $30 a year total including four just plus salary sacrifice from my 5%. I just thought it was a good idea. And, Dustin's the guy that told me to do that years and years ago, actually, and I just sort of let set and forget the same thing.\n\nI've just been doing it for a few years now. Just let it let it do its thing. But I don't actually know. I'm happy I'm happy with it, but I don't know if it's the right way to go or the wrong way to go or because I know some people do after tax contributions, so they get a bit more back on tax. It's like there's obviously many ways to skin the cat.\n\nBut, yeah, I'm quite happy with it. If if you think it's a sort of half smart idea Yeah. Yeah. Yes. Yep.\n\nYep. Yeah. I've never I've got close, but I've never gone over yet. Okay. Well, the way I always got told when I was younger was it's better off putting it in the super on the off chance that the market dies in the ass and, you know, it goes to shit, but better than giving it to the tax man.\n\nThat's why I sort of started doing it. And the other reason too was my partner or my wife, she's been off work for six years now, five years because we've obviously got kids. She hasn't been contributing no super no nothing. So my theory was if Paul just put in, let's say, $15 and I'll put in $15, I'm obviously looking at the big picture here. But if if we do last and we do retire, then I'm putting in enough to cover her and the years that she's been off.\n\nNow that's why, again, that's where I say, like, I think I'm doing the right thing, but it may not be the right way to go about it. But in my head, it seemed smart, you know, to yeah. And, also, it's only gonna benefit us in the long run eventually. So whether I die or whether I retire with it, you know, it's only gonna benefit us really. Yeah.\n\nYeah. She's just staying home. I'm pretty much in it's because of the job I do. She it's very inconsistent. Like, today, I'm getting home late because just just how it was.\n\nYou know? So she really has no plan and more work, unfortunately. Yes. Okay. Okay.\n\nYep. Yeah. I thought doing it online because, obviously, I've got the more money there. It might be a bit better than compiling, you know, eventually, I haven't used. That's what I thought.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. All our savings is technically in our offset, but, yeah, we got about just shy of $60. All our all our savings just fits in our offset, obviously, to bring the tax pool or the to to bring the interest down on the home loan. But, yeah, we've got just just shy of about $60 getting in the savings. Yes.\n\nYeah. Yeah. Yeah. We got a mortgage broker for this house. Yeah.\n\nThe the the gentleman doesn't do it anymore, so we would have to find someone eventually if the time comes to it. Yeah. The gentleman that did that doesn't do it anymore. He's always moving on to other things. But, yeah, definitely, it seems like the way to go.\n\nYes. Yes. Yes. Yep. Yeah.\n\nYep. Yep. Yep. Yep. No.\n\nNot in the last five or 10. No. Ah, man. The worst I got was an appendix yet, to be honest. When I was 11, that was, yeah, but that was a long time ago.\n\nYep. Yeah. Yep. Sorry. I shouldn't laugh.\n\nIt's just yeah. It's just I didn't know what direction you're going at. Could be yeah. Yeah. Right.\n\nYes. Yep. Yep. No. No.\n\nNo. Political affiliation to you. No. I don't hear about it. Yeah.\n\nYep. Just no. Not really, man. This doesn't sort of yeah. Like I said, just making the money work for me.\n\nLooking at possibly doing something with the money that we do have to make it obviously better. And then other than that, they're not really just just working and doing my thing. A little bit of a boring life. It's simple as easy. Exactly, man.\n\nThat's why I like it. Yeah. Okay. Yep. Yep.\n\nI suppose. Yeah. No. No. You're okay.\n\nNo. The other occasion you'd have a have a go, but, no, not really too consistent. I just I never really gave too too much of a thought when I was a bit younger, but now I'm getting a little bit older. I'm sort of a bit more, like, interested in it, like, per se hence why yeah. So I would say I'm a little bit more interested than what I was, obviously, when I was younger.\n\nYeah. Yeah. Yeah. Not like I'm not turning me all attention to it, but I'm I'm sorta, like, listening a lot more and and, yeah, paying a little bit more attention to things. Yeah.\n\nYeah. Just from what you're hearing on the news. Yeah. Yeah. Exactly.\n\nYeah. I bought a crypto a few years ago. That's about as risky as it got for me. Yeah. Yeah.\n\nSure. Yeah. Once it all happened, yeah, what's the on the lows and the crying and the or the whole log. Yeah. Yeah.\n\nExactly. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Uh-huh. That's sort of not too bad because I understand, like, the market fluctuates, so it's not really that big of a thing. I mean, it'd be a bit bad if I lost it all, but what do you do there?\n\nLike, not much I can do about it if it does have. But, yeah, like, 25% isn't that much, especially at the minute, but, like, obviously, towards the older, I get the more money that does compile in there would be I'd obviously change it. But, yeah, at the moment, yeah, I'm happy with, you know, running that risk sort of thing. Yeah. That's what I'm hoping to do.\n\nYeah. Yes. Yep. Yep. Yeah.\n\n100%. Yeah. Yeah. 100 percent. That's oh, just we got lucky.\n\nThat's how we bought this house where we are now. Now the the banks weren't lending money. Now I wanted to buy. We got it for a steal. It was the the best way to pay.\n\nYeah. Exactly. Yeah. A 100 percent. And that's the thing.\n\nThe other thing too, man, I look at it as, like, I know I'm not that young, but I like I do have time on me, so I like you saying. So you can always it can always bounce back. Because even though I was super in the ass a little bit with COVID and all that carry on, but but it's already you know, bounces back. It just fluctuates just how it's gonna be. But I'd much rather try and invest the more money now rather than yeah.\n\nAnd then I don't have to worry about it later. And like you said, a dollar today rather than a dollar tomorrow. Yeah. What do you mean by an investment portfolio? Sorry, man.\n\nI've been a bit of a dumbass. I mean, I've it sounds good. I'd love to do it. I'm not really that savvy, though. I won't lie, but I yeah.\n\nIt sounds good. Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. I'd be happy with high growth. Yeah. I always thought that yeah.\n\nThat what like, that 80%, eighty twenty would be not a bad split, I think. You know? Yeah. Like that high growth what you said. Yeah.\n\nOh, sorry, man. Oh, yeah. No. Well, I'm happily I'm happy to go the higher risk at the minute or the higher one, like, the 90 tens. But, again, while I'm younger and I'm investing, it it seems like yeah.\n\nI was happy to go, yeah, I'm happy as with the $90.10. It's not a bad thing because as I said, I'm putting a bit extra money in and work a bit harder now. And then, obviously, later down the track, I don't have to be as aggressive with it. You know? Yeah.\n\nYeah. The 90¢ good, man. I think that's a good split. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. No. Not really, man. It's pretty much covered.\n\nThat's exactly what I run for. It was exactly that. And then just to see I I just sort of wanted to get the ball rolling a little bit just to see, you know, like, get it sort of slowly moving. And then as it as it as the days go on, sort of, like, work out which direction we wanna go. Yeah.\n\nThe main thing was the super and just trying to sort that out. And then, obviously, later on down the track, we'd be obviously looking at other things to do, like investing in that. You know? You can send it through, man. 100%.\n\nI don't mind. I'm gonna I'm gonna go inside when we're done this conversation and talk to me with my wife, obviously, and and put it in front of her what's been said and what you're sort of, like, offering. You know? But, yeah, by all means, you can put us through. And if I don't wanna talk to them or we're not that ready, I'll just I'll just tell them, yeah, we're just not ready.\n\nI mean, that's cool. Yeah. I prefer as late as possible, man. Just because with work. Unless I've got a day off, it's just hard with work because I don't know what I'm doing from day to day.\n\nYou know? Yeah. Sweet. Yeah. Yeah.\n\nYep. Yeah. 100 percent there. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Can I ask?\n\nYou said 1.5 percentager? Is that it obviously all comes out of the super, doesn't it? That's sort of what I was under understanding. Now it sounds really dumb. Do you get is it 1 0.65 off the profit of the super or just the entire super coverage?\n\nYeah. Yeah. That's cool. No dramas, man. Yep.\n\nYep. Yeah. That's cool. It's alright. Yeah, man.\n\nYep. Yep. Yep. No. No.\n\nI'm pretty much happy as me, to be honest. Yeah. Yeah. I know what you mean. Yep.\n\nYeah. That's okay. Yep. I mean, I'm I'm pretty much covered, I think, from what I've what I've needed to ask anyway. Yep.\n\nYeah. I appreciate it, man. Thank you very much. Thanks, mate. Yeah.","paragraphs":[{"sentences":[{"text":"Sorry about that, man.","start":4.96,"end":5.5899997,"sentiment":"neutral","sentiment_score":-0.19704611226916313},{"text":"I do apologize.","start":5.5899997,"end":6.58,"sentiment":"neutral","sentiment_score":-0.18817521135012308},{"text":"No, mate.","start":18.425,"end":18.904999,"sentiment":"neutral","sentiment_score":-0.05022410675883293},{"text":"No.","start":18.904999,"end":19.145,"sentiment":"neutral","sentiment_score":-0.060014404356479645},{"text":"First time.","start":19.145,"end":19.965,"sentiment":"neutral","sentiment_score":-0.03308624215424061}],"sentiment":"neutral","sentiment_score":-0.13161209877580404,"num_words":12,"start":4.96,"end":19.965},{"sentences":[{"text":"Yeah.","start":30.05,"end":30.369999,"sentiment":"neutral","sentiment_score":0.07653869688510895},{"text":"My Supa.","start":30.369999,"end":31.09,"sentiment":"neutral","sentiment_score":0.03323952481150627},{"text":"So a gentleman I work with suggested I give you a call and have a chat with you is because I'm with Speedbus at the moment, my Supa.","start":31.09,"end":40.21,"sentiment":"neutral","sentiment_score":0.009047534516347306},{"text":"I'm just not really liking how they're performing and and that sort of stuff.","start":40.21,"end":44.475002,"sentiment":"neutral","sentiment_score":-0.33180198073387146},{"text":"And then, like, told me at work told me that he reached out to you about two years ago, and he's just done pretty good work for him.","start":44.475002,"end":52.395,"sentiment":"neutral","sentiment_score":0.13443394723747457}],"sentiment":"neutral","sentiment_score":-0.0066401163651926874,"num_words":73,"start":30.05,"end":52.395},{"sentences":[{"text":"And he's super sort of rising since going with your company, and I just wanted to sorta jump on the on the train as well, you know, and just sorta I'd like to better myself with my super.","start":52.395,"end":63.559998,"sentiment":"neutral","sentiment_score":0.21560015470573776},{"text":"You know?","start":63.559998,"end":63.8,"sentiment":"neutral","sentiment_score":0.021151728928089142},{"text":"I'd like to obviously, super is a long term game, but I'd rather work in my favor.","start":63.8,"end":69.0,"sentiment":"neutral","sentiment_score":0.051312288310488355},{"text":"And and then he was telling me, like, you did some I know everybody's different, but you did some, like, a projected, like, outcome after, like, you know, six years of retirement, and it was just nearly double of what SeaBus could offer just off the statistics that he had.","start":69.0,"end":84.425,"sentiment":"neutral","sentiment_score":0.05176882192492485},{"text":"You know?","start":84.425,"end":84.665,"sentiment":"neutral","sentiment_score":0.06822567991912365}],"sentiment":"neutral","sentiment_score":0.10855330911960555,"num_words":109,"start":52.395,"end":84.665},{"sentences":[{"text":"So I was quite happy to ring up and just chat with you about how, yeah, they possibly join up in that.","start":84.665,"end":91.68,"sentiment":"positive","sentiment_score":0.3763064999472011},{"text":"His name is Dustin Jodlowski, but I'm not spelling his last name because I can't.","start":95.74,"end":100.479996,"sentiment":"neutral","sentiment_score":-0.0581269821152091},{"text":"Dustin Jodlowski, j o d l o w s k I.","start":104.095,"end":110.275,"sentiment":"neutral","sentiment_score":0.008103633553467014},{"text":"Jodlowski.","start":110.895004,"end":111.395004,"sentiment":"neutral","sentiment_score":0.023800568655133247},{"text":"Yep.","start":124.75,"end":125.25,"sentiment":"neutral","sentiment_score":0.07463774085044861}],"sentiment":"neutral","sentiment_score":0.15188833091408013,"num_words":50,"start":84.665,"end":125.25},{"sentences":[{"text":"Yeah.","start":133.405,"end":133.805,"sentiment":"neutral","sentiment_score":0.03480016440153122},{"text":"So and this is another thing too.","start":133.805,"end":135.805,"sentiment":"neutral","sentiment_score":0.022795148193836212},{"text":"Lately, in the last sort of few months, me and my wife have been considering possibly buying an investment property and then going that sort of direction as well.","start":135.805,"end":146.205,"sentiment":"neutral","sentiment_score":0.015067627139646432},{"text":"But then another thing too, we were looking at wondering if it's better to do it through super or maybe just use the equity from our house and and just sort of get a bit of financial planning as well, just a bit of help there.","start":146.205,"end":158.05,"sentiment":"neutral","sentiment_score":0.047878140340680664},{"text":"You know?","start":158.05,"end":158.63,"sentiment":"neutral","sentiment_score":0.008230715058743954}],"sentiment":"neutral","sentiment_score":0.03353156793643446,"num_words":85,"start":133.405,"end":158.63},{"sentences":[{"text":"Just sorta, again, make my money work a bit better, you know, for me and things we could possibly do better.","start":158.69,"end":165.235,"sentiment":"neutral","sentiment_score":0.06180402423654284},{"text":"Yeah.","start":175.53,"end":176.03,"sentiment":"neutral","sentiment_score":0.011328596621751784},{"text":"Yeah.","start":179.53,"end":179.93,"sentiment":"neutral","sentiment_score":-0.01972944103181362},{"text":"What sort of because I think I'm doing stuff okay, but I yeah.","start":179.93,"end":183.77,"sentiment":"neutral","sentiment_score":-0.07384723310287182},{"text":"Obviously, everybody could improve in things.","start":183.77,"end":185.77,"sentiment":"neutral","sentiment_score":0.06388818100094795}],"sentiment":"neutral","sentiment_score":0.01697139810061171,"num_words":42,"start":158.69,"end":185.77},{"sentences":[{"text":"Like, I think, oh, I sadly sacrifice a a bit of money every week, and maybe that's maybe I'm doing the right thing.","start":185.77,"end":191.655,"sentiment":"neutral","sentiment_score":-0.18838178042484366},{"text":"Maybe I'm doing the wrong thing.","start":191.655,"end":192.61499,"sentiment":"negative","sentiment_score":-0.38024641076723736},{"text":"Maybe I need to take a different approach to it.","start":192.61499,"end":194.295,"sentiment":"neutral","sentiment_score":-0.23316693007946016},{"text":"You know?","start":194.295,"end":194.53499,"sentiment":"neutral","sentiment_score":-0.06233030930161476},{"text":"Just sort of getting a bit of help.","start":194.53499,"end":195.655,"sentiment":"neutral","sentiment_score":-0.06871670065447688}],"sentiment":"neutral","sentiment_score":-0.19633312120425458,"num_words":49,"start":185.77,"end":195.655},{"sentences":[{"text":"You know?","start":195.655,"end":196.215,"sentiment":"neutral","sentiment_score":-0.027477828785777092},{"text":"Mainly for the super at the minute, but, eventually, long term, we would like to look at yeah.","start":196.215,"end":201.88,"sentiment":"neutral","sentiment_score":0.019014575829108555},{"text":"Like I said, investing in some other stuff as well.","start":201.88,"end":205.18,"sentiment":"neutral","sentiment_score":0.060951611027121544},{"text":"Yeah.","start":211.0,"end":211.5,"sentiment":"neutral","sentiment_score":0.09651079773902892},{"text":"I'm at 20.","start":215.125,"end":216.00499,"sentiment":"neutral","sentiment_score":0.02843744618197282}],"sentiment":"neutral","sentiment_score":0.03172488099731067,"num_words":34,"start":195.655,"end":216.00499},{"sentences":[{"text":"Condor Close.","start":216.00499,"end":216.985,"sentiment":"neutral","sentiment_score":0.023398427292704582},{"text":"I am.","start":225.765,"end":226.08499,"sentiment":"neutral","sentiment_score":0.16210823506116867},{"text":"Yes.","start":226.08499,"end":226.58499,"sentiment":"neutral","sentiment_score":0.2962111234664917},{"text":"Yep.","start":238.43001,"end":238.93001,"sentiment":"neutral","sentiment_score":0.1366269737482071},{"text":"Yeah.","start":245.215,"end":245.715,"sentiment":"neutral","sentiment_score":0.25608915090560913}],"sentiment":"neutral","sentiment_score":0.1514200818325792,"num_words":7,"start":216.00499,"end":245.715},{"sentences":[{"text":"Yeah.","start":254.815,"end":255.135,"sentiment":"neutral","sentiment_score":0.20856603980064392},{"text":"I'm probably gonna do a bit of that stuff as well.","start":255.135,"end":257.215,"sentiment":"neutral","sentiment_score":0.18737445365298877},{"text":"You know?","start":257.215,"end":257.875,"sentiment":"neutral","sentiment_score":0.07347578555345535},{"text":"Yep.","start":272.50998,"end":272.66998,"sentiment":"neutral","sentiment_score":0.1348383128643036},{"text":"Yep.","start":272.66998,"end":273.16998,"sentiment":"neutral","sentiment_score":0.18335455656051636}],"sentiment":"neutral","sentiment_score":0.1709268419072032,"num_words":16,"start":254.815,"end":273.16998},{"sentences":[{"text":"Okay.","start":293.72,"end":294.22,"sentiment":"neutral","sentiment_score":0.06367527693510056},{"text":"Yeah.","start":297.4,"end":297.64,"sentiment":"neutral","sentiment_score":-0.14088310301303864},{"text":"Yeah.","start":297.64,"end":298.14,"sentiment":"negative","sentiment_score":-0.3967205882072449},{"text":"Oh, yeah.","start":300.055,"end":300.535,"sentiment":"negative","sentiment_score":-0.49694597721099854},{"text":"It's a it's a necessary able with our money.","start":300.535,"end":303.435,"sentiment":"negative","sentiment_score":-0.4683224591943953}],"sentiment":"negative","sentiment_score":-0.4059087501040527,"num_words":14,"start":293.72,"end":303.435},{"sentences":[{"text":"That's for sure.","start":304.29498,"end":305.195,"sentiment":"neutral","sentiment_score":-0.0845675232509772},{"text":"Yeah.","start":311.095,"end":311.595,"sentiment":"neutral","sentiment_score":-0.08562455326318741},{"text":"Yeah.","start":317.72,"end":317.87997,"sentiment":"neutral","sentiment_score":0.0242186076939106},{"text":"Yeah.","start":317.87997,"end":318.19998,"sentiment":"neutral","sentiment_score":0.03214650601148605},{"text":"So that's yeah.","start":318.19998,"end":319.08,"sentiment":"neutral","sentiment_score":0.06239178776741028}],"sentiment":"neutral","sentiment_score":-0.010642960667610168,"num_words":9,"start":304.29498,"end":319.08},{"sentences":[{"text":"Mainly so now in the last probably six months, I've been mainly driving the crane.","start":319.08,"end":323.34,"sentiment":"neutral","sentiment_score":0.05141949504613876},{"text":"But, yeah, I still, on the odd occasion, get out and do a bit of rigging and dogging.","start":323.47998,"end":327.08,"sentiment":"neutral","sentiment_score":0.06878032286961873},{"text":"Yes.","start":327.08,"end":327.58,"sentiment":"neutral","sentiment_score":0.13618062436580658},{"text":"Mainly driving these days.","start":328.70502,"end":330.065,"sentiment":"neutral","sentiment_score":0.24507145583629608},{"text":"So It's the drivable cranes.","start":330.065,"end":343.04,"sentiment":"neutral","sentiment_score":0.1585244730114937}],"sentiment":"neutral","sentiment_score":0.09112621046775995,"num_words":43,"start":319.08,"end":343.04},{"sentences":[{"text":"So the cranes are driver on the ground and on the road, but you the odd occasion, you will go up above 11 meters and that, but it's sorta it's sorta few and far between depending on the job.","start":343.04,"end":352.80002,"sentiment":"neutral","sentiment_score":0.001974673989491585},{"text":"You may do it twice in a week.","start":352.80002,"end":353.92,"sentiment":"neutral","sentiment_score":-0.04999915114603937},{"text":"You may not do it for twelve months.","start":353.92,"end":355.455,"sentiment":"neutral","sentiment_score":-0.20257843658328056},{"text":"Just depends on it's a bit hard.","start":355.455,"end":356.97498,"sentiment":"neutral","sentiment_score":-0.2892413224492754},{"text":"This is the only thing I don't like about it.","start":356.97498,"end":358.335,"sentiment":"negative","sentiment_score":-0.6180634438991547}],"sentiment":"neutral","sentiment_score":-0.1409573904497342,"num_words":72,"start":343.04,"end":358.335},{"sentences":[{"text":"It's very hard to explain, and it's very inconsistent on job.","start":358.335,"end":360.995,"sentiment":"negative","sentiment_score":-0.5853903185237538},{"text":"So it's a bit hard for things.","start":362.97498,"end":364.41498,"sentiment":"neutral","sentiment_score":-0.1868613553898675},{"text":"Yeah.","start":364.41498,"end":364.91498,"sentiment":"neutral","sentiment_score":-0.05847880616784096},{"text":"Yeah.","start":371.95,"end":372.45,"sentiment":"neutral","sentiment_score":0.0014201253652572632},{"text":"Pretty average, though.","start":372.75,"end":373.97,"sentiment":"neutral","sentiment_score":0.0230698324739933}],"sentiment":"negative","sentiment_score":-0.3363118336900421,"num_words":23,"start":358.335,"end":373.97},{"sentences":[{"text":"A hundred and eighteen.","start":383.835,"end":384.895,"sentiment":"neutral","sentiment_score":-0.004397710086777806},{"text":"I don't know.","start":385.75497,"end":386.955,"sentiment":"neutral","sentiment_score":-0.022870521371563274},{"text":"A hundred eighteen.","start":386.955,"end":387.935,"sentiment":"neutral","sentiment_score":-0.0010738959535956383},{"text":"Yep.","start":410.365,"end":410.865,"sentiment":"neutral","sentiment_score":-0.08989948779344559},{"text":"It'll come back as high risk straight on our road.","start":426.18,"end":429.32,"sentiment":"neutral","sentiment_score":-0.19440869241952896}],"sentiment":"neutral","sentiment_score":-0.10111478591958682,"num_words":21,"start":383.835,"end":429.32},{"sentences":[{"text":"Yeah.","start":449.155,"end":449.655,"sentiment":"neutral","sentiment_score":-0.060613393783569336},{"text":"Yeah.","start":452.6,"end":452.84,"sentiment":"neutral","sentiment_score":-0.007716260850429535},{"text":"It's just the standard.","start":452.84,"end":453.96,"sentiment":"neutral","sentiment_score":-0.05578639358282089},{"text":"I did not do a single thing which they bust at all.","start":453.96,"end":456.44,"sentiment":"negative","sentiment_score":-0.44005028406778973},{"text":"Like, in I didn't change any of the numbers or anything.","start":456.44,"end":458.91998,"sentiment":"neutral","sentiment_score":-0.32900330695238983}],"sentiment":"neutral","sentiment_score":-0.3169350004915533,"num_words":29,"start":449.155,"end":458.91998},{"sentences":[{"text":"I just left it in asset and forget sorting, which is pretty bad on my part.","start":458.91998,"end":462.3,"sentiment":"negative","sentiment_score":-0.44288731180131435},{"text":"Yep.","start":470.61502,"end":471.11502,"sentiment":"neutral","sentiment_score":0.07490607351064682},{"text":"Okay.","start":488.98,"end":489.48,"sentiment":"neutral","sentiment_score":0.10825736820697784},{"text":"Yep.","start":515.23,"end":515.73,"sentiment":"neutral","sentiment_score":-0.14684337377548218},{"text":"Okay.","start":530.395,"end":530.895,"sentiment":"neutral","sentiment_score":-0.06466982513666153}],"sentiment":"negative","sentiment_score":-0.35572733730077744,"num_words":20,"start":458.91998,"end":530.895},{"sentences":[{"text":"Yes.","start":545.89496,"end":546.39496,"sentiment":"neutral","sentiment_score":-0.00041235238313674927},{"text":"Okay.","start":558.3,"end":558.8,"sentiment":"neutral","sentiment_score":0.09015791863203047},{"text":"Yep.","start":565.8375,"end":566.3375,"sentiment":"neutral","sentiment_score":0.014206891879439354},{"text":"He must have done something similar to Dusty because I remember him saying that they took the the all of his super and left, like, 5 or $10 in his seat bus just for the insurances and purposes of it.","start":580.975,"end":591.16003,"sentiment":"neutral","sentiment_score":-0.11349705895408987},{"text":"Does that sound sort of like yeah.","start":591.54004,"end":593.32,"sentiment":"neutral","sentiment_score":-0.0734177716076374}],"sentiment":"neutral","sentiment_score":-0.09899708602577448,"num_words":50,"start":545.89496,"end":593.32},{"sentences":[{"text":"But you can find both, can't you?","start":598.98004,"end":601.0,"sentiment":"neutral","sentiment_score":-0.06527925016624588},{"text":"If you were to get hurt or something, can't you find both funds?","start":601.23505,"end":604.515,"sentiment":"neutral","sentiment_score":-0.19023653062490317},{"text":"That's all.","start":604.515,"end":605.255,"sentiment":"neutral","sentiment_score":-0.03639909625053406},{"text":"Yeah.","start":607.395,"end":607.895,"sentiment":"neutral","sentiment_score":0.016546227037906647},{"text":"Yeah.","start":609.875,"end":610.11505,"sentiment":"neutral","sentiment_score":0.01234343834221363}],"sentiment":"neutral","sentiment_score":-0.12391409068368375,"num_words":24,"start":598.98004,"end":610.11505},{"sentences":[{"text":"Yeah.","start":610.11505,"end":610.61505,"sentiment":"neutral","sentiment_score":-0.004555759951472282},{"text":"Sort of, man.","start":632.29504,"end":632.85504,"sentiment":"neutral","sentiment_score":-0.08979566395282745},{"text":"I'm sort of picking up the area.","start":632.85504,"end":634.05505,"sentiment":"neutral","sentiment_score":-0.04495270736515522},{"text":"Where are you going with it?","start":634.05505,"end":635.275,"sentiment":"neutral","sentiment_score":-0.027947622040907543},{"text":"Yep.","start":648.24,"end":648.74,"sentiment":"neutral","sentiment_score":0.16508500277996063}],"sentiment":"neutral","sentiment_score":-0.03284513515730699,"num_words":18,"start":610.11505,"end":648.74},{"sentences":[{"text":"Yep.","start":653.6,"end":654.1,"sentiment":"neutral","sentiment_score":0.0904719978570938},{"text":"Alright.","start":656.71497,"end":657.21497,"sentiment":"neutral","sentiment_score":0.3278268873691559},{"text":"Ninety ninety hours would be again, it's I just sort of the lady asked me sort of a range.","start":668.475,"end":673.79004,"sentiment":"neutral","sentiment_score":-0.09500188733402051},{"text":"Ninety hours would be absolutely pushing the shit out of it.","start":674.73004,"end":677.29004,"sentiment":"negative","sentiment_score":-0.6159253716468811},{"text":"I'm not really I do it on the odd occasion, but, again, it's not like more the more average I reckon would be around that forty to fifty mark, but there is weeks where and weeks and months where you will just get absolutely gangbusters with work, and you will do, obviously, a lot more hours.","start":677.29004,"end":692.215,"sentiment":"neutral","sentiment_score":-0.23432376980781555}],"sentiment":"neutral","sentiment_score":-0.24186417240310798,"num_words":88,"start":653.6,"end":692.215},{"sentences":[{"text":"But, mainly, I would say an average would be close to that forty to fifty hour mark or even between you know?","start":692.215,"end":699.33,"sentiment":"neutral","sentiment_score":0.04249613037840887},{"text":"Yeah.","start":699.33,"end":699.65,"sentiment":"neutral","sentiment_score":-0.10953506827354433},{"text":"It's a bit again, it's hard to try and tell people because, obviously, you don't have a discounted office job.","start":699.65,"end":705.65,"sentiment":"neutral","sentiment_score":-0.2548826582729816},{"text":"Yeah.","start":705.65,"end":706.15,"sentiment":"neutral","sentiment_score":-0.06894922256469727},{"text":"No.","start":715.785,"end":716.02496,"sentiment":"negative","sentiment_score":-0.388226330280304}],"sentiment":"neutral","sentiment_score":-0.10509886485007074,"num_words":45,"start":692.215,"end":716.02496},{"sentences":[{"text":"I'd have to work it out.","start":716.02496,"end":717.46497,"sentiment":"negative","sentiment_score":-0.348653145134449},{"text":"I it again, it fluctuates because we get a few allowances and that, but I'm on I couldn't even tell you, actually.","start":717.46497,"end":723.865,"sentiment":"neutral","sentiment_score":-0.06723113628950986},{"text":"It's close to $60 an hour.","start":723.865,"end":725.46497,"sentiment":"neutral","sentiment_score":-0.023674845695495605},{"text":"And then, obviously, whatever that works, that's to be over the thirty six hours they pay us.","start":725.46497,"end":730.76996,"sentiment":"neutral","sentiment_score":-0.06996414262582273},{"text":"So I I couldn't I'd have to have a look at me, basically, man.","start":731.87,"end":734.82996,"sentiment":"neutral","sentiment_score":-0.18908783474138804}],"sentiment":"neutral","sentiment_score":-0.11614881622103544,"num_words":65,"start":716.02496,"end":734.82996},{"sentences":[{"text":"I do apologize before I figure out.","start":734.82996,"end":737.49,"sentiment":"neutral","sentiment_score":-0.1220308169722557},{"text":"Yeah.","start":742.51,"end":743.01,"sentiment":"neutral","sentiment_score":0.03921378403902054},{"text":"Yep.","start":748.235,"end":748.735,"sentiment":"neutral","sentiment_score":0.05594451725482941},{"text":"Oh, one $30 a 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know.","start":946.365,"end":947.245,"sentiment":"neutral","sentiment_score":-0.15219240188598632},{"text":"Is there a right or wrong way to go, really?","start":947.245,"end":949.085,"sentiment":"neutral","sentiment_score":-0.2225671112537384}],"sentiment":"neutral","sentiment_score":-0.06850899857683823,"num_words":65,"start":933.11,"end":949.085},{"sentences":[{"text":"Or I don't I can't really 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pretty good.","start":995.28,"end":997.30005,"sentiment":"neutral","sentiment_score":0.290921900421381},{"text":"Yeah.","start":1037.165,"end":1037.665,"sentiment":"neutral","sentiment_score":-0.050431910902261734}],"sentiment":"neutral","sentiment_score":0.1897933236323297,"num_words":8,"start":986.085,"end":1037.665},{"sentences":[{"text":"Yep.","start":1045.54,"end":1046.04,"sentiment":"neutral","sentiment_score":-0.05300822854042053},{"text":"Yeah.","start":1057.14,"end":1057.64,"sentiment":"neutral","sentiment_score":0.0078461654484272},{"text":"Yeah.","start":1063.915,"end":1064.415,"sentiment":"neutral","sentiment_score":0.09786272048950195},{"text":"We get income protection called u plus through our union, actually.","start":1064.475,"end":1067.695,"sentiment":"neutral","sentiment_score":0.07983525910160759},{"text":"I don't so that's the best thing ever, but it's the 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different than the Queensland.","start":1114.4099,"end":1118.01,"sentiment":"neutral","sentiment_score":-0.02710573925552043},{"text":"Why don't you look at them up?","start":1118.01,"end":1119.47,"sentiment":"neutral","sentiment_score":-0.01719212345778942}],"sentiment":"neutral","sentiment_score":-0.09872749513983357,"num_words":101,"start":1092.335,"end":1119.47},{"sentences":[{"text":"It's all through the spare 50.","start":1124.475,"end":1125.935,"sentiment":"neutral","sentiment_score":0.12475505471229553},{"text":"Yeah.","start":1130.315,"end":1130.555,"sentiment":"neutral","sentiment_score":0.06848432123661041},{"text":"Yeah.","start":1130.555,"end":1130.875,"sentiment":"neutral","sentiment_score":0.06256647408008575},{"text":"So, yeah, it's it's as long as I'm with the union, yeah, they're happy to help me.","start":1130.875,"end":1134.235,"sentiment":"neutral","sentiment_score":0.298655699719401},{"text":"I also get free ambulance from that too, obviously.","start":1134.235,"end":1136.575,"sentiment":"neutral","sentiment_score":0.2721591658062405}],"sentiment":"neutral","sentiment_score":0.2472400150316603,"num_words":34,"start":1124.475,"end":1136.575},{"sentences":[{"text":"If you call an ambulance, you gotta pay for it, then I'll just reimburse you.","start":1136.77,"end":1139.33,"sentiment":"neutral","sentiment_score":0.14376459767421088},{"text":"There's a few little, yeah, Not it's pretty much just that that I that I know of.","start":1139.33,"end":1151.345,"sentiment":"neutral","sentiment_score":0.024234227671781006},{"text":"Yeah.","start":1151.345,"end":1151.585,"sentiment":"neutral","sentiment_score":0.03971034288406372},{"text":"It wouldn't be anything 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good.","start":1161.585,"end":1163.665,"sentiment":"neutral","sentiment_score":0.30791059757272404}],"sentiment":"neutral","sentiment_score":0.20896619148552417,"num_words":10,"start":1159.505,"end":1163.665},{"sentences":[{"text":"It doesn't take much to get it.","start":1163.665,"end":1165.08,"sentiment":"neutral","sentiment_score":0.28506474622658323},{"text":"Like, a few boys have had it.","start":1165.08,"end":1166.76,"sentiment":"neutral","sentiment_score":0.20548427530697413},{"text":"The only thing is you can't claim after yeah.","start":1166.76,"end":1169.96,"sentiment":"neutral","sentiment_score":-0.02083254936668608},{"text":"Once you make your claim, you can't claim that same injury again.","start":1169.96,"end":1172.86,"sentiment":"neutral","sentiment_score":-0.038398340344429016},{"text":"That's 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could be doing from work.","start":1183.345,"end":1185.105,"sentiment":"neutral","sentiment_score":0.00047272244202239174},{"text":"I can be at home.","start":1185.105,"end":1186.325,"sentiment":"neutral","sentiment_score":0.034975279867649076},{"text":"Yeah.","start":1186.385,"end":1186.625,"sentiment":"neutral","sentiment_score":0.0546468123793602},{"text":"It covers us pretty much.","start":1186.625,"end":1187.665,"sentiment":"neutral","sentiment_score":0.03251942843198776}],"sentiment":"neutral","sentiment_score":0.021000622330527557,"num_words":19,"start":1182.945,"end":1187.665},{"sentences":[{"text":"Yeah.","start":1187.665,"end":1187.905,"sentiment":"neutral","sentiment_score":-0.0075343213975429535},{"text":"The gentleman that snapped his leg, it was a Sunday, and he was climbing up the ladder, and he fell off it, and they covered 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best.","start":1293.79,"end":1294.995,"sentiment":"positive","sentiment_score":0.3393673946460088},{"text":"And then I can discuss it with me with me wife, see what she thinks as well, you know, because it's obviously for both of us, 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yet.","start":1428.915,"end":1431.9751,"sentiment":"neutral","sentiment_score":-0.09142261658879844},{"text":"Okay.","start":1453.23,"end":1453.73,"sentiment":"neutral","sentiment_score":0.1125977486371994},{"text":"Well, the way I always got told when I was younger was it's better off putting it in the super on the off chance that the market dies in the ass and, you know, it goes to shit, but better than giving it to the tax man.","start":1478.59,"end":1490.0299,"sentiment":"neutral","sentiment_score":-0.31084031564124087}],"sentiment":"neutral","sentiment_score":-0.24820053733152445,"num_words":61,"start":1421.62,"end":1490.0299},{"sentences":[{"text":"That's why I sort of started doing it.","start":1490.0299,"end":1491.6749,"sentiment":"neutral","sentiment_score":-0.1457194136455655},{"text":"And the other reason too was my partner or my wife, she's been off work for six years now, five years because we've obviously got 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yeah.","start":1910.9501,"end":1912.3301,"sentiment":"neutral","sentiment_score":-0.07673397908608119},{"text":"Yeah.","start":1915.2849,"end":1915.445,"sentiment":"neutral","sentiment_score":-0.042991168797016144},{"text":"Right.","start":1915.445,"end":1915.945,"sentiment":"neutral","sentiment_score":-0.04007644951343536}],"sentiment":"neutral","sentiment_score":-0.1602749667233891,"num_words":18,"start":1907.75,"end":1915.945},{"sentences":[{"text":"Yes.","start":1930.99,"end":1931.49,"sentiment":"neutral","sentiment_score":-0.05037226527929306},{"text":"Yep.","start":1932.03,"end":1932.53,"sentiment":"neutral","sentiment_score":-0.12192117422819138},{"text":"Yep.","start":1936.11,"end":1936.61,"sentiment":"neutral","sentiment_score":-0.028292156755924225},{"text":"No.","start":1936.6699,"end":1937.1699,"sentiment":"neutral","sentiment_score":-0.0948781818151474},{"text":"No.","start":1937.23,"end":1937.39,"sentiment":"neutral","sentiment_score":-0.0850614532828331}],"sentiment":"neutral","sentiment_score":-0.07610504627227783,"num_words":5,"start":1930.99,"end":1937.39},{"sentences":[{"text":"No.","start":1937.39,"end":1937.47,"sentiment":"neutral","sentiment_score":-0.07577505707740784},{"text":"Political 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yeah.","start":1972.8201,"end":1974.02,"sentiment":"neutral","sentiment_score":-0.26648732721805574},{"text":"Like I said, just making the money work for me.","start":1974.02,"end":1976.145,"sentiment":"neutral","sentiment_score":-0.13248577564954758}],"sentiment":"neutral","sentiment_score":-0.17727997047560556,"num_words":21,"start":1963.46,"end":1976.145},{"sentences":[{"text":"Looking at possibly doing something with the money that we do have to make it obviously better.","start":1976.385,"end":1980.465,"sentiment":"neutral","sentiment_score":-0.15734682495103164},{"text":"And then other than that, they're not really just just working and doing my thing.","start":1980.465,"end":1984.5651,"sentiment":"neutral","sentiment_score":-0.12691939373811087},{"text":"A little bit of a boring life.","start":1987.025,"end":1988.725,"sentiment":"neutral","sentiment_score":-0.11176344539437975},{"text":"It's simple as 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a thought when I was a bit younger, but now I'm getting a little bit older.","start":2073.28,"end":2080.72,"sentiment":"neutral","sentiment_score":-0.1554867556461921},{"text":"I'm sort of a bit more, like, interested in it, like, per se hence why yeah.","start":2080.72,"end":2085.805,"sentiment":"neutral","sentiment_score":0.042502189200604334},{"text":"So I would say I'm a little bit more interested than what I was, obviously, when I was 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me.","start":2127.6301,"end":2131.6501,"sentiment":"neutral","sentiment_score":-0.18292530357009834},{"text":"Yeah.","start":2134.75,"end":2135.07,"sentiment":"neutral","sentiment_score":-0.004465058445930481},{"text":"Yeah.","start":2135.07,"end":2135.31,"sentiment":"neutral","sentiment_score":0.01520748995244503}],"sentiment":"neutral","sentiment_score":-0.09160088030621409,"num_words":20,"start":2113.0352,"end":2135.31},{"sentences":[{"text":"Sure.","start":2135.31,"end":2135.6301,"sentiment":"neutral","sentiment_score":0.05147790536284447},{"text":"Yeah.","start":2135.6301,"end":2135.9502,"sentiment":"neutral","sentiment_score":0.03100774809718132},{"text":"Once it all happened, yeah, what's the on the lows and the crying and the or the whole 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sort of not too bad because I understand, like, the market fluctuates, so it's not really that big of a thing.","start":2196.335,"end":2201.4749,"sentiment":"neutral","sentiment_score":-0.08413507840172811},{"text":"I mean, it'd be a bit bad if I lost it all, but what do you do there?","start":2201.6948,"end":2205.775,"sentiment":"neutral","sentiment_score":-0.20496880718403393}],"sentiment":"neutral","sentiment_score":-0.1232100645578358,"num_words":43,"start":2177.715,"end":2205.775},{"sentences":[{"text":"Like, not much I can do about it if it does have.","start":2205.775,"end":2207.615,"sentiment":"neutral","sentiment_score":-0.19352021254599094},{"text":"But, yeah, like, 25% isn't that much, especially at the minute, but, like, obviously, towards the older, I get the more money that does compile in there would be I'd obviously change it.","start":2207.615,"end":2217.04,"sentiment":"neutral","sentiment_score":-0.01680269620070855},{"text":"But, yeah, at the moment, yeah, I'm happy with, you know, running that risk sort of thing.","start":2217.04,"end":2221.78,"sentiment":"neutral","sentiment_score":0.20493669303901055},{"text":"Yeah.","start":2228.2148,"end":2228.4548,"sentiment":"neutral","sentiment_score":0.16037675738334656},{"text":"That's what I'm hoping to 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don't have to worry about it later.","start":2322.425,"end":2324.0251,"sentiment":"positive","sentiment_score":0.41891222894191743},{"text":"And like you said, a dollar today rather than a dollar tomorrow.","start":2324.0251,"end":2326.5251,"sentiment":"positive","sentiment_score":0.3877413844068845},{"text":"Yeah.","start":2331.9302,"end":2332.4302,"sentiment":"positive","sentiment_score":0.5072105526924133},{"text":"What do you mean by an investment portfolio?","start":2351.745,"end":2353.525,"sentiment":"neutral","sentiment_score":0.006435315124690533},{"text":"Sorry, man.","start":2354.785,"end":2355.265,"sentiment":"neutral","sentiment_score":-0.10383525118231773}],"sentiment":"neutral","sentiment_score":0.27857701435233606,"num_words":33,"start":2322.425,"end":2355.265},{"sentences":[{"text":"I've been a bit of a dumbass.","start":2355.265,"end":2356.325,"sentiment":"neutral","sentiment_score":-0.1566913596221379},{"text":"I mean, I've it sounds 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be happy with high growth.","start":2511.35,"end":2512.71,"sentiment":"neutral","sentiment_score":0.3156673088669777},{"text":"Yeah.","start":2512.71,"end":2513.21,"sentiment":"neutral","sentiment_score":0.17566077411174774},{"text":"I always thought that yeah.","start":2514.5952,"end":2516.115,"sentiment":"neutral","sentiment_score":0.14933827817440032}],"sentiment":"neutral","sentiment_score":0.20926365243004902,"num_words":14,"start":2502.79,"end":2516.115},{"sentences":[{"text":"That what like, that 80%, eighty twenty would be not a bad split, I think.","start":2516.115,"end":2519.875,"sentiment":"neutral","sentiment_score":0.2626078655322393},{"text":"You know?","start":2519.875,"end":2520.5352,"sentiment":"neutral","sentiment_score":0.1132054328918457},{"text":"Yeah.","start":2527.75,"end":2528.07,"sentiment":"neutral","sentiment_score":0.15847863256931305},{"text":"Like that high growth what you 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yeah.","start":2545.635,"end":2550.835,"sentiment":"neutral","sentiment_score":0.0957732149041616}],"sentiment":"neutral","sentiment_score":0.14575398326851427,"num_words":40,"start":2535.59,"end":2550.835},{"sentences":[{"text":"I was happy to go, yeah, I'm happy as with the $90.10.","start":2550.835,"end":2554.48,"sentiment":"positive","sentiment_score":0.434737004339695},{"text":"It's not a bad thing because as I said, I'm putting a bit extra money in and work a bit harder now.","start":2554.48,"end":2558.72,"sentiment":"neutral","sentiment_score":0.21384637701240453},{"text":"And then, obviously, later down the track, I don't have to be as aggressive with it.","start":2558.72,"end":2562.8198,"sentiment":"neutral","sentiment_score":0.02010005502961576},{"text":"You know?","start":2563.2,"end":2563.8599,"sentiment":"neutral","sentiment_score":0.06365921720862389},{"text":"Yeah.","start":2568.775,"end":2569.275,"sentiment":"neutral","sentiment_score":0.022521866485476497}],"sentiment":"neutral","sentiment_score":0.19609255712690218,"num_words":53,"start":2550.835,"end":2569.275},{"sentences":[{"text":"Yeah.","start":2570.695,"end":2571.195,"sentiment":"neutral","sentiment_score":0.08193155378103256},{"text":"The 90¢ good, man.","start":2571.415,"end":2572.615,"sentiment":"neutral","sentiment_score":0.07223584254582723},{"text":"I think that's a good split.","start":2572.615,"end":2573.915,"sentiment":"neutral","sentiment_score":0.2578735525409381},{"text":"Yeah.","start":2581.5398,"end":2582.0398,"sentiment":"neutral","sentiment_score":0.03644717112183571},{"text":"Yeah.","start":2587.14,"end":2587.6199,"sentiment":"neutral","sentiment_score":0.09701043367385864}],"sentiment":"neutral","sentiment_score":0.16494483345498642,"num_words":13,"start":2570.695,"end":2587.6199},{"sentences":[{"text":"Yeah.","start":2587.6199,"end":2588.1199,"sentiment":"neutral","sentiment_score":0.10094067454338074},{"text":"Yep.","start":2595.825,"end":2596.325,"sentiment":"neutral","sentiment_score":0.04431335628032684},{"text":"Yep.","start":2604.065,"end":2604.565,"sentiment":"positive","sentiment_score":0.4453376531600952},{"text":"Yep.","start":2607.585,"end":2608.085,"sentiment":"positive","sentiment_score":0.3652225434780121},{"text":"Yeah.","start":2618.24,"end":2618.4,"sentiment":"neutral","sentiment_score":0.1507769376039505}],"sentiment":"neutral","sentiment_score":0.22131823301315307,"num_words":5,"start":2587.6199,"end":2618.4},{"sentences":[{"text":"Yeah.","start":2618.4,"end":2618.9,"sentiment":"neutral","sentiment_score":0.1550920009613037},{"text":"Yep.","start":2620.96,"end":2621.46,"sentiment":"positive","sentiment_score":0.560161828994751},{"text":"No.","start":2636.615,"end":2636.855,"sentiment":"neutral","sentiment_score":-0.041932277381420135},{"text":"Not really, man.","start":2636.855,"end":2637.415,"sentiment":"neutral","sentiment_score":-0.030689850449562073},{"text":"It's pretty much covered.","start":2637.415,"end":2638.695,"sentiment":"neutral","sentiment_score":0.29263757541775703}],"sentiment":"neutral","sentiment_score":0.17518023028969765,"num_words":10,"start":2618.4,"end":2638.695},{"sentences":[{"text":"That's exactly what I run for.","start":2638.695,"end":2639.935,"sentiment":"positive","sentiment_score":0.5313693781693777},{"text":"It was exactly that.","start":2639.935,"end":2640.935,"sentiment":"positive","sentiment_score":0.44162383675575256},{"text":"And then just to see I I just sort of wanted to get the ball rolling a little bit just to see, you know, like, get it sort of slowly moving.","start":2640.935,"end":2647.53,"sentiment":"neutral","sentiment_score":0.20757171655854872},{"text":"And then as it as it as the days go on, sort of, like, work out which direction we wanna go.","start":2647.53,"end":2653.05,"sentiment":"neutral","sentiment_score":0.13900725011314666},{"text":"Yeah.","start":2653.05,"end":2653.37,"sentiment":"neutral","sentiment_score":0.19070003926754}],"sentiment":"neutral","sentiment_score":0.2301474146190144,"num_words":63,"start":2638.695,"end":2653.37},{"sentences":[{"text":"The main thing was the super and just trying to sort that out.","start":2653.37,"end":2655.85,"sentiment":"neutral","sentiment_score":0.2169336905846229},{"text":"And then, obviously, later on down the track, we'd be obviously looking at other things to do, like investing in that.","start":2655.85,"end":2661.0752,"sentiment":"neutral","sentiment_score":0.16817550290198552},{"text":"You know?","start":2661.0752,"end":2661.655,"sentiment":"neutral","sentiment_score":0.0937189981341362},{"text":"You can send it through, man.","start":2669.74,"end":2670.62,"sentiment":"neutral","sentiment_score":0.08317150051395099},{"text":"100%.","start":2670.62,"end":2671.1,"sentiment":"neutral","sentiment_score":0.23644351959228516}],"sentiment":"neutral","sentiment_score":0.16917986180200134,"num_words":43,"start":2653.37,"end":2671.1},{"sentences":[{"text":"I don't mind.","start":2671.1,"end":2671.9001,"sentiment":"neutral","sentiment_score":0.1713919093211492},{"text":"I'm gonna I'm gonna go inside when we're done this conversation and talk to me with my wife, obviously, and and put it in front of her what's been said and what you're sort of, like, offering.","start":2671.9001,"end":2681.5,"sentiment":"neutral","sentiment_score":0.21694152238401207},{"text":"You know?","start":2681.5,"end":2682.015,"sentiment":"neutral","sentiment_score":0.09530575945973396},{"text":"But, yeah, by all means, you can put us through.","start":2682.7349,"end":2684.4148,"sentiment":"neutral","sentiment_score":0.14886692175641655},{"text":"And if I don't wanna talk to them or we're not that ready, I'll just I'll just tell them, yeah, we're just not ready.","start":2684.4148,"end":2688.4949,"sentiment":"neutral","sentiment_score":-0.2832294243077437}],"sentiment":"neutral","sentiment_score":0.04503666591144314,"num_words":76,"start":2671.1,"end":2688.4949},{"sentences":[{"text":"I mean, that's cool.","start":2688.4949,"end":2689.555,"sentiment":"neutral","sentiment_score":0.2649810314178467},{"text":"Yeah.","start":2704.07,"end":2704.31,"sentiment":"neutral","sentiment_score":0.056021109223365784},{"text":"I prefer as late as possible, man.","start":2704.31,"end":2705.99,"sentiment":"neutral","sentiment_score":0.03775465541652271},{"text":"Just because with work.","start":2705.99,"end":2706.79,"sentiment":"neutral","sentiment_score":-0.024632747285068035},{"text":"Unless I've got a day off, it's just hard with work because I don't know what I'm doing from day to day.","start":2706.79,"end":2710.23,"sentiment":"neutral","sentiment_score":-0.16209803623231975}],"sentiment":"neutral","sentiment_score":-0.06011736745897092,"num_words":38,"start":2688.4949,"end":2710.23},{"sentences":[{"text":"You know?","start":2710.23,"end":2710.755,"sentiment":"neutral","sentiment_score":-0.011168967932462692},{"text":"Yeah.","start":2715.795,"end":2716.035,"sentiment":"neutral","sentiment_score":-0.025146355852484703},{"text":"Sweet.","start":2716.035,"end":2716.535,"sentiment":"neutral","sentiment_score":-0.005415346473455429},{"text":"Yeah.","start":2721.555,"end":2721.7148,"sentiment":"neutral","sentiment_score":0.1613677442073822},{"text":"Yeah.","start":2721.7148,"end":2722.2148,"sentiment":"neutral","sentiment_score":0.22000804543495175}],"sentiment":"neutral","sentiment_score":0.05474602524191141,"num_words":6,"start":2710.23,"end":2722.2148},{"sentences":[{"text":"Yep.","start":2723.795,"end":2724.295,"sentiment":"neutral","sentiment_score":0.21764031052589417},{"text":"Yeah.","start":2730.22,"end":2730.38,"sentiment":"neutral","sentiment_score":0.218985453248024},{"text":"100 percent there.","start":2730.38,"end":2731.0999,"sentiment":"neutral","sentiment_score":0.27488386631011963},{"text":"Yeah.","start":2731.0999,"end":2731.5999,"sentiment":"positive","sentiment_score":0.33402395248413086},{"text":"Yep.","start":2740.8599,"end":2741.3599,"sentiment":"neutral","sentiment_score":0.2129664421081543}],"sentiment":"neutral","sentiment_score":0.25832396532808033,"num_words":7,"start":2723.795,"end":2741.3599},{"sentences":[{"text":"Yep.","start":2747.945,"end":2748.445,"sentiment":"neutral","sentiment_score":0.2951532006263733},{"text":"Yep.","start":2760.21,"end":2760.71,"sentiment":"neutral","sentiment_score":0.0797409862279892},{"text":"Yep.","start":2773.555,"end":2774.055,"sentiment":"positive","sentiment_score":0.5806474089622498},{"text":"Yep.","start":2778.675,"end":2779.175,"sentiment":"positive","sentiment_score":0.5000391006469727},{"text":"Can I ask?","start":2786.77,"end":2787.41,"sentiment":"neutral","sentiment_score":0.0365730586151282}],"sentiment":"neutral","sentiment_score":0.22361426747270993,"num_words":7,"start":2747.945,"end":2787.41},{"sentences":[{"text":"You said 1.5 percentager?","start":2787.41,"end":2789.19,"sentiment":"neutral","sentiment_score":0.005908005638048053},{"text":"Is that it obviously all comes out of the super, doesn't it?","start":2793.165,"end":2797.345,"sentiment":"neutral","sentiment_score":-0.018696181165675323},{"text":"That's sort of what I was under understanding.","start":2797.405,"end":2799.585,"sentiment":"neutral","sentiment_score":-0.10480439336970448},{"text":"Now it sounds really dumb.","start":2799.965,"end":2801.745,"sentiment":"negative","sentiment_score":-0.3510108828544617},{"text":"Do you get is it 1 0.65 off the profit of the super or just the entire super coverage?","start":2801.885,"end":2807.345,"sentiment":"neutral","sentiment_score":-0.12215397350097958}],"sentiment":"neutral","sentiment_score":-0.10656535852467641,"num_words":48,"start":2787.41,"end":2807.345},{"sentences":[{"text":"Yeah.","start":2810.53,"end":2811.03,"sentiment":"neutral","sentiment_score":0.0060631753876805305},{"text":"Yeah.","start":2811.89,"end":2812.13,"sentiment":"neutral","sentiment_score":0.07658933848142624},{"text":"That's cool.","start":2812.13,"end":2812.69,"sentiment":"neutral","sentiment_score":0.2727274000644684},{"text":"No dramas, man.","start":2812.69,"end":2813.83,"sentiment":"neutral","sentiment_score":-0.0518001988530159},{"text":"Yep.","start":2823.185,"end":2823.685,"sentiment":"neutral","sentiment_score":0.019729364663362503}],"sentiment":"neutral","sentiment_score":0.06155451026279479,"num_words":8,"start":2810.53,"end":2823.685},{"sentences":[{"text":"Yep.","start":2838.95,"end":2839.35,"sentiment":"neutral","sentiment_score":0.1669454276561737},{"text":"Yeah.","start":2839.35,"end":2839.59,"sentiment":"neutral","sentiment_score":0.26892441511154175},{"text":"That's cool.","start":2839.59,"end":2840.41,"sentiment":"positive","sentiment_score":0.5076978504657745},{"text":"It's alright.","start":2856.045,"end":2856.785,"sentiment":"neutral","sentiment_score":0.05877568572759628},{"text":"Yeah, man.","start":2865.6902,"end":2866.51,"sentiment":"neutral","sentiment_score":-0.06226210854947567}],"sentiment":"neutral","sentiment_score":0.18053658725693822,"num_words":8,"start":2838.95,"end":2866.51},{"sentences":[{"text":"Yep.","start":2882.565,"end":2883.065,"sentiment":"neutral","sentiment_score":0.07516714185476303},{"text":"Yep.","start":2887.2048,"end":2887.7048,"sentiment":"neutral","sentiment_score":0.06702951341867447},{"text":"Yep.","start":2897.22,"end":2897.72,"sentiment":"neutral","sentiment_score":0.05704902112483978},{"text":"No.","start":2904.075,"end":2904.315,"sentiment":"neutral","sentiment_score":-0.030311688780784607},{"text":"No.","start":2904.315,"end":2904.4749,"sentiment":"neutral","sentiment_score":-0.07004700601100922}],"sentiment":"neutral","sentiment_score":0.019777396321296693,"num_words":5,"start":2882.565,"end":2904.4749},{"sentences":[{"text":"I'm pretty much happy as me, to be honest.","start":2904.4749,"end":2906.575,"sentiment":"neutral","sentiment_score":0.19669699068698618},{"text":"Yeah.","start":2915.835,"end":2915.9949,"sentiment":"neutral","sentiment_score":0.12957629561424255},{"text":"Yeah.","start":2915.9949,"end":2916.2349,"sentiment":"neutral","sentiment_score":0.1076965183019638},{"text":"I know what you mean.","start":2916.2349,"end":2917.295,"sentiment":"neutral","sentiment_score":0.061359526962041853},{"text":"Yep.","start":2922.77,"end":2923.27,"sentiment":"neutral","sentiment_score":0.11077170819044112}],"sentiment":"neutral","sentiment_score":0.14265382782939603,"num_words":17,"start":2904.4749,"end":2923.27},{"sentences":[{"text":"Yeah.","start":2932.29,"end":2932.53,"sentiment":"neutral","sentiment_score":0.09521125257015228},{"text":"That's okay.","start":2932.53,"end":2933.35,"sentiment":"neutral","sentiment_score":0.3008217513561249},{"text":"Yep.","start":2935.0752,"end":2935.5752,"sentiment":"neutral","sentiment_score":0.10852139443159103},{"text":"I mean, I'm I'm pretty much covered, I think, from what I've what I've needed to ask anyway.","start":2941.3152,"end":2945.175,"sentiment":"neutral","sentiment_score":0.07856151834130287},{"text":"Yep.","start":2956.98,"end":2957.48,"sentiment":"positive","sentiment_score":0.3788439631462097}],"sentiment":"neutral","sentiment_score":0.11297075839146324,"num_words":23,"start":2932.29,"end":2957.48},{"sentences":[{"text":"Yeah.","start":2957.7,"end":2957.78,"sentiment":"neutral","sentiment_score":0.24873384833335876},{"text":"I appreciate it, man.","start":2957.78,"end":2958.74,"sentiment":"positive","sentiment_score":0.34675341099500656},{"text":"Thank you very much.","start":2958.74,"end":2959.785,"sentiment":"positive","sentiment_score":0.52132897824049},{"text":"Thanks, mate.","start":2970.1848,"end":2971.1648,"sentiment":"positive","sentiment_score":0.815330296754837},{"text":"Yeah.","start":2972.7449,"end":2973.2449,"sentiment":"neutral","sentiment_score":-0.09010149538516998}],"sentiment":"positive","sentiment_score":0.4384685419499874,"num_words":12,"start":2957.7,"end":2973.2449}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Jesse. Thanks for returning my call there.\n\nChannel 1: Sorry about that, man. I do apologize.\n\nChannel 0: No. No. That's that's perfectly fine. So, yeah, as I said, I had you booked in for that initial consultation there. Now have you worked with a financial adviser before or previously there, Jesse?\n\nChannel 1: No, mate. No. First time.\n\nChannel 0: Yep. Not a problem at all. And then sorta what was your your main purpose for sort of reaching out and just wanting to to seek financial advice? Is there anything particular on your mind?\n\nChannel 1: Yeah. My Supa. So a gentleman I work with suggested I give you a call and have a chat with you is because I'm with Speedbus at the moment, my Supa. I'm just not really liking how they're performing and\n\nChannel 0: Yep.\n\nChannel 1: and that sort of stuff. And then, like, told me at work told me that he reached out to you about two years ago, and he's just done pretty good work for him. And he's super sort of rising since going with your company, and I just wanted to sorta jump on the on the train as well, you know, and just sorta I'd like to better myself with my super. You know? I'd like to obviously, super is a long term game, but I'd\n\nChannel 0: Yeah.\n\nChannel 1: rather work in my favor. And and then he was telling me, like, you did some I know everybody's different, but you did some, like, a projected, like, outcome after, like, you know, six years of retirement, and it was just nearly double of what SeaBus could offer just off the statistics that he had. You know? So I was quite happy to ring up and just chat with you about how, yeah,\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: they possibly\n\nChannel 0: Net.\n\nChannel 1: join up in that.\n\nChannel 0: Great. And who was that again, sorry, that referred you on?\n\nChannel 1: His name is Dustin Jodlowski, but I'm not spelling his last name because I can't.\n\nChannel 0: Justin John what\n\nChannel 1: Dustin\n\nChannel 0: was the last name again?\n\nChannel 1: Jodlowski,\n\nChannel 0: Yep.\n\nChannel 1: j o d l o w s k I.\n\nChannel 0: Okay.\n\nChannel 1: Jodlowski.\n\nChannel 0: No. Not a problem. Yeah. Just so we're aware he referred you on. That's fine.\n\nAnd then in regards to that, obviously, you know, super is just part of what we do there as well. And I know\n\nChannel 1: Yep.\n\nChannel 0: potentially, you were looking at sort of a range of things sort of down the track as well. But is this, like, superannuation the main thing that you wanted to address?\n\nChannel 1: Yeah. So and this is another thing too. Lately, in the last sort of few months, me and my wife have been considering possibly buying an investment property and then going that sort of direction as well. But then another thing too, we were looking at wondering if it's better to do it through super or maybe just use the equity from our house and and just sort of get a bit of financial planning as well, just a bit of help there. You know?\n\nJust sorta, again, make my money work a bit better, you know, for me and things we could possibly do better.\n\nChannel 0: Brilliant. Yes. So the main thing you wanna achieve out of having a financial adviser just would be to ensure that money that you have working a bit harder for you and you just know\n\nChannel 1: Yeah.\n\nChannel 0: what sort of going on. Just get a bit more information about, like, what you can do and what you can't\n\nChannel 1: Yeah.\n\nChannel 0: do and what\n\nChannel 1: What\n\nChannel 0: the better\n\nChannel 1: sort\n\nChannel 0: option\n\nChannel 1: of\n\nChannel 0: probably\n\nChannel 1: because I think I'm doing stuff okay, but I yeah. Obviously, everybody could improve in things. Like, I think, oh, I sadly sacrifice a a bit of money every week, and maybe that's maybe I'm doing the right thing. Maybe I'm doing the wrong thing. Maybe I need to take a different approach to it.\n\nYou know? Just sort of getting a bit of help. You know? Mainly for the super at the minute, but, eventually, long term, we would like to look at yeah. Like I said, investing in some other stuff as well.\n\nChannel 0: Great. Now I will go on through and confirm a few details there just to make sure it\n\nChannel 1: Yeah.\n\nChannel 0: is all accurate there. So at the moment, you're at 22 Condor Close.\n\nChannel 1: I'm at 20. Condor Close.\n\nChannel 0: Okay. There's a bit of a time for that. Brilliant. And then just the the three children at home, and you're married to your spouse currently?\n\nChannel 1: I am. Yes.\n\nChannel 0: Right. Obviously, you can provide the next of kin details at a later date if you were obviously happy and came on board. It's not something we particularly need, like, at this stage unless it comes to, like, the estate planning side of things. Now,\n\nChannel 1: Yep.\n\nChannel 0: obviously, like you said, you're you're in a position where you've got a house, you've got a few assets, you know, you've got the kids in that as well. So estate planning is,\n\nChannel 1: Yeah.\n\nChannel 0: like, an important part to play within that as well. So whether or not your beneficiary forms with your new superannuation or getting a valid will put in place,\n\nChannel 1: Yeah. I'm\n\nChannel 0: those\n\nChannel 1: probably\n\nChannel 0: are all\n\nChannel 1: gonna do a bit of that stuff as well. You know?\n\nChannel 0: yep. And we can give you just some general information of a local lawyer here. Now, obviously, you're in New South Wales. You're not local to the the Gold Coast here, but it's just an information pamphlet, some general information about wills and estate planning, and the general sort of costing of that. Now\n\nChannel 1: Yep.\n\nChannel 0: you can\n\nChannel 1: Yep.\n\nChannel 0: obviously do that in conjunction with your partner. In addition to that, if you just want something in place, but you don't really wanna go through the hassle of everything, you can get, like, a post office will. They're not the most ironclad thing, but it is cheaper, normally around, like, the $50 mark. And if you fill them out sort of the best of your ability and follow the instruction, at least you've got something in place that is in writing\n\nChannel 1: Okay.\n\nChannel 0: as opposed to everyone sort of fighting at the end of the day as well because\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: it tends to bring out the the worst in people,\n\nChannel 1: Oh,\n\nChannel 0: unfortunately.\n\nChannel 1: yeah. It's a it's a necessary able with our money. That's for\n\nChannel 0: Exactly.\n\nChannel 1: sure.\n\nChannel 0: And then as far as your role goes there, your crane operator there, so\n\nChannel 1: Yeah.\n\nChannel 0: you're in and out of the cranes end on the sort of construction site doing the the shackling and everything as well?\n\nChannel 1: Yeah. Yeah. So that's yeah. Mainly so now in the last probably six months, I've been mainly driving the crane. But, yeah, I still, on the odd occasion, get out and do a bit of rigging and dogging.\n\nYes. Mainly driving these days. So\n\nChannel 0: Brilliant. And then in regards to that as well, are you, like, doing the at highlights work with that, or is it mainly just the drivable cranes?\n\nChannel 1: It's the drivable cranes. So the cranes are driver on the ground and on the road, but you the odd occasion, you will go up above 11 meters and that, but it's sorta it's sorta few and far between depending on the job. You may do it twice in a week. You may not do it for twelve months. Just depends on it's a bit hard.\n\nThis is the only thing I don't like about it. It's very hard to explain, and it's very inconsistent on job.\n\nChannel 0: Yeah. Yeah. Because\n\nChannel 1: So\n\nChannel 0: obviously\n\nChannel 1: it's a bit\n\nChannel 0: when it\n\nChannel 1: hard\n\nChannel 0: comes\n\nChannel 1: for\n\nChannel 0: down\n\nChannel 1: things.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: insurance wise when looking at that as well, because you've got insurance in your current fund there currently. Now\n\nChannel 1: Yeah. Pretty\n\nChannel 0: in in\n\nChannel 1: average,\n\nChannel 0: regards\n\nChannel 1: though.\n\nChannel 0: yeah. Regards to that, your occupation and then with your height and weight, I have here you've a hundred and eighty five centimeters and a hundred and eighty five kilos. Is that correct?\n\nChannel 1: A hundred and eighteen. I\n\nChannel 0: Eighteen.\n\nChannel 1: don't know. A hundred\n\nChannel 0: Okay.\n\nChannel 1: eighteen.\n\nChannel 0: I thought yeah. I thought that was quite high. Insane that one eighteen. Perfect. Now with that mainly so obviously, originally, there, my main concern was the weight side of things.\n\nIf it was that high, it would sort of look to look at instant declines. Now in regards to that currently, it's mainly the occupation now. Now\n\nChannel 1: Yep.\n\nChannel 0: the the risk of that and being your occupation that you do do hazardous activities, I know that may sound weird for yourself, but, you know, working at, yeah, working at heights out on the construction sites, it may come back that your occupation may be listed as, like, a worse\n\nChannel 1: It'll\n\nChannel 0: occupation.\n\nChannel 1: come back\n\nChannel 0: But\n\nChannel 1: as high risk straight\n\nChannel 0: yeah.\n\nChannel 1: on\n\nChannel 0: But,\n\nChannel 1: our\n\nChannel 0: like\n\nChannel 1: road.\n\nChannel 0: yeah. For total permanent disability and those sort of things, it means you'll get, like, an ADL definition. So with that an ADL cover, it's not the most comprehensive. It can be used in conjunction with the cover that you do have in terms of, like, popping up to get the amounts, looking if we can get IP and things like that as well. Because currently,\n\nChannel 1: Yeah.\n\nChannel 0: you've got the life in TPD, but as you said, it's not a huge amount. Now\n\nChannel 1: Yeah. It's just the standard. I did not do a single thing which they bust at all. Like, in I didn't change any of the numbers or anything. I just left it in asset and forget sorting, which is pretty bad on my part.\n\nChannel 0: yeah. And you can look to, like, increase your cover with Cbus. You do have to do, like, a level of underwriting with them when doing the forms, and you\n\nChannel 1: Yep.\n\nChannel 0: can look at topping that up. Now within regards to that, they do, like, a small health questionnaire sort of thing in regards to that, and you can still look at increasing that level of cover. And what you do there is you still get a higher amount, but it is group cover at the end of the day. And then also with that, you restart sort of any exclusion periods you might have. So\n\nChannel 1: Okay.\n\nChannel 0: with those top ups amounts, normally, they'll maintain the previous portion of, like, the 200,000 you have and the $1.45 of the TPD. But anything above that is similar to if you went to a retail policy anyway. Whereas anything that might be preexisting that amount of cover and when that was taken out, say if you have, like, a plate put in your arm, you might end up with, like, an exclusion on a retail policy, but then that also might not be covered on that increased amount anyway even though\n\nChannel 1: Yep.\n\nChannel 0: because the weird thing about group insurance is underwritten at the time of claim. So they won't actually tell you if you're able to claim on it for certain conditions until such time it's assessed when you come down the track to one of those conditions and paying that out potentially.\n\nChannel 1: Okay.\n\nChannel 0: Now life is life at the end of the day. The main thing that you have currently is the one forty five of total permanent disability. That if something were to occur where you've got something that previously occurred his like health wise or health history wise, it may\n\nChannel 1: Yes.\n\nChannel 0: be a claimable thing. So, generally, you wanna look at trying to keep that. Now we'll obviously do the pre assessments and see what comes back, but worst case scenario, we can look at retaining a portion of your fund in CBIZ, mainly\n\nChannel 1: Okay.\n\nChannel 0: just to keep those insurances active. And then the majority of your funds can go towards another portfolio, another superannuation\n\nChannel 1: Yep.\n\nChannel 0: that's working a bit harder for you, like you said, and potentially looking at a bit of pop up cover as well to bridge the gap for your lack of insurance with regards to IP and also under insurance with the life and TPD side of things.\n\nChannel 1: He must have done something similar to Dusty because I remember him saying that they took the the all of his super and left, like, 5 or $10 in his seat bus just for the insurances and purposes of it. Does\n\nChannel 0: Yeah.\n\nChannel 1: that sound\n\nChannel 0: And\n\nChannel 1: sort of like yeah.\n\nChannel 0: yeah. And then with that, obviously, it's not the most ideal thing having two funds in\n\nChannel 1: But\n\nChannel 0: saying\n\nChannel 1: you can\n\nChannel 0: that you\n\nChannel 1: find\n\nChannel 0: can\n\nChannel 1: both, can't you? If you were to get hurt or something, can't you find both funds? That's all.\n\nChannel 0: Yeah. Yeah. So both would pay\n\nChannel 1: Yeah.\n\nChannel 0: out. It's the same as having two policies. Obviously,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: just paying just having two funds across, like, the board. You're paying a little bit more administration fees. But with that, if you did end up with any exclusions or loadings that predate your funds existence, so when you had your fund open, the likelihood that, like, an injury would pay towards that TPD claim, it might be higher than if the retail policy with that exclusion, if that makes sense.\n\nChannel 1: Sort of, man. I'm sort of picking up the area. Where are you going with it?\n\nChannel 0: Yeah. Obviously, we'll see what the pre assessment say as well. And then if you end up with ADL cover, it's pretty harsh in terms of definition. The good thing with that, though, is you do end up with a cheaper sort of cost and outcome with that one.\n\nChannel 1: Yep.\n\nChannel 0: We'll even have a look and see what the the cost of increasing your cover looks like with Cbus and what that\n\nChannel 1: Yep.\n\nChannel 0: may sort of look like as well.\n\nChannel 1: Alright.\n\nChannel 0: Brilliant. And I have here, at the moment, you're doing around the sort of ninety hour week as a max, but overall, it you're a thirty eight hour full time employee.\n\nChannel 1: Ninety ninety hours would be again, it's I just sort of the lady asked me sort of a range.\n\nChannel 0: Yep.\n\nChannel 1: Ninety hours would be absolutely pushing the shit out of it. I'm not really I do it on the odd occasion, but, again, it's not like more the more average I reckon would be around that forty to fifty mark, but there is weeks where and weeks and months where you will just get absolutely gangbusters with work, and you will do, obviously, a lot more hours. But, mainly, I would say an average would be close to that forty to fifty hour mark or\n\nChannel 0: Perfect.\n\nChannel 1: even between you know? Yeah. It's a bit again, it's hard to try and\n\nChannel 0: Narrow\n\nChannel 1: tell people\n\nChannel 0: it down\n\nChannel 1: because,\n\nChannel 0: when\n\nChannel 1: obviously,\n\nChannel 0: you are\n\nChannel 1: you\n\nChannel 0: a bit\n\nChannel 1: don't\n\nChannel 0: of\n\nChannel 1: have a discounted office job. Yeah.\n\nChannel 0: yeah. No. I completely understand. And would you know roughly what your base is if you just did your base hours, what that would be?\n\nChannel 1: No. I'd have to work it out. I it again, it fluctuates because we get a few allowances and that, but I'm on I couldn't even tell you, actually. It's close to $60 an hour. And then, obviously, whatever that works, that's to be over the thirty six hours they pay us.\n\nSo I I couldn't I'd have to have a look at me, basically, man. I do apologize\n\nChannel 0: Yeah. No.\n\nChannel 1: before\n\nChannel 0: That\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: figure\n\nChannel 0: not\n\nChannel 1: out.\n\nChannel 0: a huge thing because obviously, you get superannuation paid on your full salary. And then\n\nChannel 1: Yeah.\n\nChannel 0: also in regards to replacing income, if we're looking at income protection, if it's available, you probably wanna\n\nChannel 1: Yep.\n\nChannel 0: aim for that $1.30 mark just because it's what you sort of regularly getting even with the the amount of times\n\nChannel 1: Oh,\n\nChannel 0: that you're\n\nChannel 1: one\n\nChannel 0: doing.\n\nChannel 1: $30 a year.\n\nChannel 0: Yeah. Or\n\nChannel 1: Yeah.\n\nChannel 0: is it\n\nChannel 1: Okay.\n\nChannel 0: more than\n\nChannel 1: Yep.\n\nChannel 0: that?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: On the average, if I just did eight hours a day, it's probably around that year, I suppose.\n\nChannel 0: Yep. Okay. No problem. Yeah. Because, generally, you with income protection, you only could cover 70% of the income that you're earning.\n\nSo say if\n\nChannel 1: Yep.\n\nChannel 0: you did a slow year where you're only doing your sort of base amount plus a little bit of overtime between that forty and fifty\n\nChannel 1: Yep.\n\nChannel 0: and earning the one thirty,\n\nChannel 1: Yep.\n\nChannel 0: you'd only be able to claim 70% of that. But if you've insured yourself for, like, $1.50, income protection is the more expensive insurance as well. And then if\n\nChannel 1: Yep.\n\nChannel 0: you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty,\n\nChannel 1: Okay.\n\nChannel 0: if that\n\nChannel 1: Four\n\nChannel 0: makes\n\nChannel 1: one\n\nChannel 0: sense.\n\nChannel 1: 50. Yep. Yep.\n\nChannel 0: Plus in addition to that one, given that you don't have any debts, at the moment, apart from the mortgage, it's really you're moving more towards being self insured in earlier age anyway. Like you said,\n\nChannel 1: Yep.\n\nChannel 0: if you were to take on the investment property debt and sort of refinance a little bit and sort of have more debt on the primary residence or have, you know, solely just to the investment property being interest only and not\n\nChannel 1: Yep.\n\nChannel 0: really having any down payment for that one, The the\n\nChannel 1: Yep.\n\nChannel 0: benefit is if something, you know, hits the fan, you can always sell the investment property. Obviously, it's not\n\nChannel 1: Yes.\n\nChannel 0: the most liquid, but it's a debt that you have that you can wipe off if you were to sell. Now, obviously, depending on markets, you may potentially win or lose, but we don't typically insure for that anyway because\n\nChannel 1: Yep.\n\nChannel 0: of the fact\n\nChannel 1: Okay.\n\nChannel 0: that it is a disposable asset. So you'd mainly\n\nChannel 1: Yep.\n\nChannel 0: be looking at just covering for, yeah, the debt for the resident and maybe some income replacement, you know, because you've got the young family and your partner and things like that as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So given you're a bit younger, you'd probably look around\n\nChannel 1: Yep.\n\nChannel 0: that sort of seven point five to ten years maybe income replacement plus your debt offsetting, like, your super amount because you've obviously still got your\n\nChannel 1: Yep.\n\nChannel 0: superannuation that pays out if something were to happen Just as a sort of amount to to see what you, like, wanna cover for in the event that you're unable to work again, which is the main one. If you're\n\nChannel 1: Yep.\n\nChannel 0: you're gone, obviously, it's, you know, it's quite harsh and it's quite, you know, daunting to think about, but there's not an ongoing expense in regards to yourself. If you injured yourself where you can't work but you're still there, you're more of an ongoing expense and that costs more to live\n\nChannel 1: Yes.\n\nChannel 0: as well,\n\nChannel 1: Yep.\n\nChannel 0: which is the the main thing in regards to TPD that you wanna do look for in terms of, like, replacing your income for as well.\n\nChannel 1: Yep.\n\nChannel 0: Now give given that as well and given your debt, it obviously can work out to be quite a large amount. So it would work out to be, you know, upwards of that, like, around the 1,500,000.0 worth of life in TPD, which can be sound like a quite large figure when it comes to that. Is that\n\nChannel 1: Yes.\n\nChannel 0: something you'd be looking to to cover up to? Would you feel like if the debt was gone and you only had, like, a few years income replacement, that'd be better and you'd only really wanna cover for, you know, debt plus a few years? Or have you really thought about it too much?\n\nChannel 1: I won't I won't lie, man. No. I haven't really thought of it like that, actually, to be honest. I I'd like to honestly, if I could cover the house because that is the most major bill, that would be good enough for me. But like you said, you'd wanna have a little bit of income protection.\n\nIs it I don't know. Is there a right or wrong way to go, really? Or I don't\n\nChannel 0: Not re\n\nChannel 1: I can't really\n\nChannel 0: really in terms of it. Like, obviously, you're preparing like, it's a risk mitigation tool at the end of the day. Like, there's no sort of guarantee that you're gonna kick the bucket early. So it's something\n\nChannel 1: Yeah.\n\nChannel 0: that you're you're paying for just in the event that it did happen and, like, that protection for your family. So even if you looked at, like, a flat million dollars worth of cover, that's, like, your your debts plus, like, that five sort of year maybe mark of income protection when\n\nChannel 1: Yeah.\n\nChannel 0: taking\n\nChannel 1: Yeah.\n\nChannel 0: into account your super. So with that, you know, if you're still there, it can cover costs, you know, like some ongoing schooling expenses plus medical costs and stuff for the the family.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: And then we can show you what that sort of pricing looks like. If you see that and you wanna look at potentially increasing that as well, we can sort of have that conversation.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Obviously\n\nChannel 1: that's pretty\n\nChannel 0: yeah.\n\nChannel 1: good.\n\nChannel 0: Yep. Obviously, we'll take into account, like, if you're retaining things like that and not as well and what that sort of looks like. Now in regards to the income protection side of things, have you had a thought about, like, what you're sort of trying to recover for or, like, the the waiting or benefit periods of that, like, with the income protection? Yeah. No.\n\nThat's no problem. No. Completely fine. So with in regards to income protection, the waiting periods for that is generally the starting is thirty days. So you'd have to be off work for thirty days before you can make a claim on income protection generally anywhere.\n\nChannel 1: Yeah.\n\nChannel 0: Now, obviously, certain sort of funds and things like that do, like, a fourteen day, but then, obviously, you see the group cover or it's quite expensive. Now you\n\nChannel 1: Yep.\n\nChannel 0: can do up to sixty and ninety day waiting periods, but given that they are cheaper, but they're less comprehensive in the sense that you've got to injure yourself or be sick to the point where you're off for maybe two months or maybe three months before\n\nChannel 1: Yeah.\n\nChannel 0: you could even make a claim at that. So thirty days is generally sort of, like, quite comprehensive.\n\nChannel 1: Yeah. We get income protection called u plus through our union, actually. I don't so that's the best thing ever, but it's the same. We sort of get that. If we do hurt ourselves too from work or on our way or anything, we get covered for that, actually.\n\nSo I've\n\nChannel 0: Brilliant.\n\nChannel 1: sort of got it, but\n\nChannel 0: And what\n\nChannel 1: it's not really sorry.\n\nChannel 0: because I didn't have your EBA down here. What's the name of that if you don't mind, or is it just the one under\n\nChannel 1: So we're\n\nChannel 0: Borga\n\nChannel 1: with\n\nChannel 0: Crane?\n\nChannel 1: the CF yeah. We're with the CFMBU and the the comp the thing is called u plus. It's what the income it's sort of like an income protection where it's more or less like if you hurt yourself and, like, you said, you're off for a couple of months. Like, a gentleman hurt his legs, snapped his femur off a ladder, and he was off for two years, and they paid him his whole whatever it was, like, 80% of his wage for two years or something. But, yeah, our\n\nChannel 0: Off.\n\nChannel 1: EBA, we're with the CFMEU, and now I work for. But the New South Wales EBA is different than the Queensland. Why don't you look at them up?\n\nChannel 0: Perfect. Yep. Brilliant. I'll have a look at that. And\n\nChannel 1: It's all\n\nChannel 0: then\n\nChannel 1: through the spare 50.\n\nChannel 0: and then that carries across if you stay with that union, obviously, that benefit\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: long as\n\nChannel 1: So,\n\nChannel 0: you're\n\nChannel 1: yeah,\n\nChannel 0: working.\n\nChannel 1: it's it's\n\nChannel 0: Yeah.\n\nChannel 1: as long as I'm with the union, yeah, they're happy to help me. I also get free ambulance from that too, obviously. If you call an ambulance, you gotta pay for it, then I'll just reimburse you. There's a few little, yeah,\n\nChannel 0: Right. And then with that, do you know if there's any other insurance associated with that one, or is it just\n\nChannel 1: Not\n\nChannel 0: the income protection?\n\nChannel 1: it's pretty much just that that I that I know of. Yeah. It wouldn't be anything else.\n\nChannel 0: Perfect. We'll have a quick look at that as well because,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, Breeze better when it comes to insurances if you're not paying\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: Yeah. 100%. And they're pretty\n\nChannel 0: Yeah.\n\nChannel 1: they're pretty good. It doesn't take much to get it. Like, a few boys have had it. The only thing is you can't claim after yeah. Once you make your claim, you can't claim that same injury again.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: happy.\n\nChannel 0: That's the the same\n\nChannel 1: Yeah.\n\nChannel 0: as most insurers\n\nChannel 1: Yeah.\n\nChannel 0: anyway in terms\n\nChannel 1: Yeah.\n\nChannel 0: of that.\n\nChannel 1: Exactly. Yep.\n\nChannel 0: And then does that cover you outside of work as well or\n\nChannel 1: Yeah.\n\nChannel 0: only\n\nChannel 1: So I could be doing from work. I can be at home. Yeah. It covers us pretty much. Yeah.\n\nThe gentleman that snapped his leg, it was a Sunday, and he was climbing up the ladder, and he fell off it, and they covered him. Yeah.\n\nChannel 0: brilliant. Yeah. So it sounds like it is quite, like, comprehensive in that sense.\n\nChannel 1: Yeah.\n\nChannel 0: It may\n\nChannel 1: It's\n\nChannel 0: only\n\nChannel 1: pretty\n\nChannel 0: be\n\nChannel 1: good.\n\nChannel 0: a two year benefit period. Been saying that we'll find out that information and let you know anyway when we do the\n\nChannel 1: Yep.\n\nChannel 0: research into that.\n\nChannel 1: Yep.\n\nChannel 0: So we'll mainly look at the life and TPD. Now the other insurance there is trauma cover. Now trauma cover is like an out of pocket cost that covers an event for things like heart attack, strokes, those sort of events that you're not maybe sort of able to claim on an income protection policy or may not be total permanent disability, but you may still want some time off work to deal with those injuries, sicknesses, those sort of things. Because if you\n\nChannel 1: Alright.\n\nChannel 0: have a heart attack, you may only be off for, you know, a couple weeks and still have to go back to work, but you may wanna take a few months just to, you\n\nChannel 1: Yeah.\n\nChannel 0: know,\n\nChannel 1: Yeah.\n\nChannel 0: rec recoup. So it is a lump sum benefit that generally pays out on the event of those traumatic types events. It's different with each sort of policy. The main ones are certain types of cancers, strokes, heart attacks, those sort of things. And then, generally, you cover for about a year's worth of income or, like, you know, just flat figures.\n\nSo whether or not it's, like, a 100,000 and you pay for that out of pocket in the auto chance that one of those events do occur. And then that just means that you just have the added lecture layer of protection. And it is one of the more claimed on insurances actually as well.\n\nChannel 1: Yeah. Right. I I was sort of thinking, Ben, I know other tax strikes can happen to anybody, but I was just thinking Ben, 33. It's really not well, I don't know if I'll get that, to be honest, man. I don't I can\n\nChannel 0: Yeah. No. It's perfectly fine. Like, the options are there. We can sort of show you what it looks like cost wise,\n\nChannel 1: yeah.\n\nChannel 0: and then you can just say yes or no when\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: I'm happy\n\nChannel 0: comes\n\nChannel 1: to say it all cost wise, man, if you could send it. Like, yeah, that'd be the best. And then I can discuss it with me with me wife, see what she thinks as well, you know,\n\nChannel 0: down\n\nChannel 1: because\n\nChannel 0: to\n\nChannel 1: it's\n\nChannel 0: it.\n\nChannel 1: obviously\n\nChannel 0: Yeah.\n\nChannel 1: for both\n\nChannel 0: No\n\nChannel 1: of us,\n\nChannel 0: problem.\n\nChannel 1: really.\n\nChannel 0: Yeah. We'll include it in the advice document. And then that way, when it comes down to accepting it, yes or no, you just basically say, I don't wanna proceed with the trauma side of things\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: anyway.\n\nChannel 1: Okay.\n\nChannel 0: And then, yeah, that way you've got it in the document. You can see the, like, advantages and that of of it having it as well and just seeing what that looks like and making an informed decision there. Brilliant.\n\nChannel 1: Yep.\n\nChannel 0: In regards to your salary sacrifice there as well, you're doing the 5% weekly at the moment. Are you looking\n\nChannel 1: Yeah.\n\nChannel 0: at changing that at all? Are you happy with that amount? Or\n\nChannel 1: I I personally like the amount, but I just wasn't sure. Again, look, I think I'm doing the right thing, but I don't know. Is that, like, I don't know if it's a smart way to go about it. I was just trying to do most years, I can put close to my $30 a year total including four just plus salary sacrifice from my 5%. I just thought it was a good idea.\n\nAnd, Dustin's the guy that told me to do that years and years ago, actually,\n\nChannel 0: Yep.\n\nChannel 1: and I just sort of let set and forget the same thing. I've just been doing it for a few years now. Just let it let it do its thing. But I\n\nChannel 0: Yep.\n\nChannel 1: don't actually know. I'm happy I'm happy with it, but I don't know if it's the right way to go or the wrong way to go or because I know some people do after tax contributions, so they get a bit more back on tax. It's like there's obviously many ways to skin the cat. But, yeah, I'm quite happy with it. If if you think it's a sort of half smart idea\n\nChannel 0: Yeah. So there's a few ways to think about, like, contributing more to super. Like, obviously, you're on the younger side of things. So the biggest disadvantage there is you can't access it until you hit 60, like a\n\nChannel 1: Yeah.\n\nChannel 0: major condition of release or something does happen. But given that it's, like, 5% and you're on a pretty good wicket and, you know, you you don't have a huge amount of debt and you're not looking at doing any sort of other investments currently, it's a good way to get your super growing and compounding early. And in that way, you get a bit of a head start. It's a lot harder to, like, sort of chase it towards the end\n\nChannel 1: Yeah. Yes.\n\nChannel 0: because a dollar invested today is obviously better than a dollar sort of invested tomorrow. You've got it there working harder for you now as opposed\n\nChannel 1: Yep.\n\nChannel 0: to trying to chase it at the back end.\n\nChannel 1: Yep.\n\nChannel 0: If you can afford to do it, it's never sort of a bad thing. And then if you're sort of mindful that you're not exceeding those 30,000 concessional,\n\nChannel 1: Yeah. I've\n\nChannel 0: that's\n\nChannel 1: never\n\nChannel 0: the\n\nChannel 1: I've got close, but I've never gone over yet.\n\nChannel 0: yeah. And then the other thing to be mindful of as well, obviously, you're not really close to it yet, but the, you know, the div two nine six that they're bringing out where they might tax you more if your super goes over 3,000,000. Now because of your your age and if you do sort of hit that 30,000 each year, you know, up until retirement, you may be getting quite close if it your super is performing quite well, which is something\n\nChannel 1: Okay.\n\nChannel 0: to be mindful of. But in the the shorter term now, you can get a bit of a head start on your your superannuation. And then sort of once you look at that property down the the track and maybe adjusting your cash flow and things like that, then you can look at maybe changing it to where you're putting your investment somewhere else. Because at the moment, if you're taking home that pay anyway, it's probably just gonna either go towards the mortgage and offset that, or it's just gonna sit cash in the bank or you'll end up spending it anyway.\n\nChannel 1: Well, the way I always got told when I was younger was it's better off putting it in the super on the off chance that the market dies in the ass and, you know, it goes to shit, but better than giving it to the tax man. That's why I sort of started doing it. And the other reason too was my partner or my wife, she's been off work for six years now, five years because we've obviously\n\nChannel 0: Yeah.\n\nChannel 1: got kids. She hasn't been contributing no super no nothing. So my theory was if Paul just put in, let's say, $15 and I'll put in $15, I'm obviously looking at the big picture here. But if\n\nChannel 0: Yep.\n\nChannel 1: if we do last and we do retire, then I'm putting in enough to cover her and the years that she's been off. Now that's why, again, that's where I say, like, I think I'm doing the right thing, but it may not be the right way to go about it. But in my head, it seemed smart, you know, to yeah. And, also, it's\n\nChannel 0: Yep.\n\nChannel 1: only gonna benefit us in the long run eventually. So whether I die or whether I retire with it,\n\nChannel 0: And is\n\nChannel 1: you know,\n\nChannel 0: is\n\nChannel 1: it's\n\nChannel 0: your partner\n\nChannel 1: only\n\nChannel 0: still\n\nChannel 1: gonna\n\nChannel 0: currently off\n\nChannel 1: benefit\n\nChannel 0: work as\n\nChannel 1: us\n\nChannel 0: well?\n\nChannel 1: really. Yeah. Yeah. She's just staying home. I'm pretty much in it's because of the job I do.\n\nShe it's very inconsistent. Like, today, I'm getting home late because just just how it was. You know? So she really has no plan and more work, unfortunately.\n\nChannel 0: Yeah. Okay. Because within regards to that as well, you can look at doing spousal contributions to your spouse's fund as well and then being\n\nChannel 1: Yes.\n\nChannel 0: able to claim an eligible deduction for that when it comes to your taxes as well. Now\n\nChannel 1: Okay.\n\nChannel 0: it's not like the the biggest amount. So if you wanted to contribute, like, say, $3,000 to her superannuation fund, then when it comes to to tax time there, you can look at getting a tax offset for that money you've contributed towards her superannuation there as well as opposed\n\nChannel 1: Okay.\n\nChannel 0: to just letting it sit idle. And it's up to 5\n\nChannel 1: Yep.\n\nChannel 0: $140 that you can sort of claim as a tax offset is, like, the maximum amount. So it's not a huge amount in terms of, like, what you do get back, but it's a way if you wanted to grow her superannuation as well or if you're happy just doing it towards your own where you get your own sort of 15%.\n\nChannel 1: Yeah. I thought doing it online because, obviously, I've got the more money there. It might be a bit better than compiling, you know, eventually, I haven't used. That's what I thought.\n\nChannel 0: Yeah. It does compound a lot better when you just\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: Yeah.\n\nChannel 0: of have the the higher amounts in the the one fund there as well. Obviously, if she plans on returning to work, things like that,\n\nChannel 1: Yeah.\n\nChannel 0: that's obviously things to think about. But, yeah, if you're happy just doing it to yours and then, obviously, when it comes down to splitting it when you sort of retire and then breaking it\n\nChannel 1: Yeah.\n\nChannel 0: down\n\nChannel 1: Yeah.\n\nChannel 0: that way, that's fine as well.\n\nChannel 1: Yep.\n\nChannel 0: Brilliant. And then as far as assets and liabilities here, I don't I just got the house, the two cars. But do you have, like, a bit of a savings built up as well? Or\n\nChannel 1: All our savings is technically in our offset, but, yeah, we got about just shy of $60.\n\nChannel 0: perfect.\n\nChannel 1: All our all our savings just fits in our offset, obviously, to bring the tax pool or the to to bring the interest down on the home loan. But, yeah, we've got just just shy of about $60\n\nChannel 0: Yeah. Because\n\nChannel 1: getting\n\nChannel 0: given\n\nChannel 1: in the\n\nChannel 0: those like, obviously, I'm not a mortgage broker, but given the, like, the loan to to debt ratio you've got there and that savings as well. Now the good thing\n\nChannel 1: savings.\n\nChannel 0: at the moment with in regards to investment properties in Australia, even though they're talking about maybe changing the capital gains rules with it, investment\n\nChannel 1: Yes.\n\nChannel 0: properties, you still get to offset a 100% of the interest earned on investment properties or investments within Australia. So in saying that, you're more than in a position\n\nChannel 1: Yeah.\n\nChannel 0: that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well. So that mortgage brokers\n\nChannel 1: Yeah.\n\nChannel 0: are paid, like, through the institutions they work with, so they have their own separate thing. They're just trusted partners that we could pass you along to just even have the conversation.\n\nChannel 1: Yeah. We got\n\nChannel 0: Because\n\nChannel 1: a mortgage broker for this house. Yeah.\n\nChannel 0: oh, okay. Yeah. Great. Would you go back through them or would you wanna sort of be referred on to one of the\n\nChannel 1: The\n\nChannel 0: people?\n\nChannel 1: the the gentleman doesn't do it anymore, so we would have to find someone eventually if the time comes to it. Yeah. The gentleman that did that doesn't do it anymore. He's always moving on to other things. But, yeah, definitely, it seems like the way to go.\n\nChannel 0: Yep. Because I can even just, like, pass your details along to them as well just to have a conversation, see what that might look like, and see\n\nChannel 1: Yes.\n\nChannel 0: if you're willing to do it or just have a conversation and then sort of set yourself up potentially as well at\n\nChannel 1: Yes.\n\nChannel 0: a later point. Because, you know, given that you've only got that, the next sort of step is either sort of looking at another investment maybe outside of super whether that is property or maybe sort of like an investment bond and IDPS or things\n\nChannel 1: Yes.\n\nChannel 0: like that. Given that, you know, given your ages and the the amount of debt you're paying off, you can build your wealth faster through other people's money. So\n\nChannel 1: Yep.\n\nChannel 0: borrowed money, you can obviously you take on the risk of borrowed money, but you're able to get higher returns and have greater assets that can get\n\nChannel 1: Yeah.\n\nChannel 0: you those whether or not that's like an investment portfolio, another investment property, things like that as well because you've\n\nChannel 1: Yep.\n\nChannel 0: already got the primary residence, and you'll more than likely have that paid off a lot sooner than your retirement ages as well.\n\nChannel 1: Yep.\n\nChannel 0: So I can pass your details along to them, and they can sort of just reach out and have a conversation about that as well. Even if\n\nChannel 1: Yep.\n\nChannel 0: you don't go with us or not, you can still use their service. Same sort of thing goes. If you don't wanna go through them, you can always sort of still go through with us, and then we've even got a few other partners that we can refer you on to if you just don't like the person as well.\n\nChannel 1: Yep.\n\nChannel 0: No problem. And then with in regards to your your health there, I know you're taking the blood pressure tablets at the moment. Is there any other sort of health conditions that you've had previously? Any surgeries, things like that\n\nChannel 1: No. Not in the last five\n\nChannel 0: in\n\nChannel 1: or\n\nChannel 0: the\n\nChannel 1: 10.\n\nChannel 0: last sort\n\nChannel 1: No.\n\nChannel 0: of five to ten years? Few broken bones as a kid, but that's sort of about it.\n\nChannel 1: Ah, man. The worst I got was an appendix yet, to be honest. When I was 11, that was, yeah, but that was a long time ago.\n\nChannel 0: Yep. Not a problem. Because with that one, we obviously do that pre assessment process now. How much sort of time I don't wanna take up too much of your afternoon because we can do it now. We can okay.\n\nBrilliant. Because after this phone call, I can transfer you through to one of my colleagues, and they can go through that pre assessment process. They ask a little bit more about your work. In addition to that, they do a bit about family history and then your own history. And then\n\nChannel 1: Yep.\n\nChannel 0: any conditions that do come up, so they might mention the appendix and just write a little few things down. We send those\n\nChannel 1: Yeah.\n\nChannel 0: off to the insurer just to see how they'll rate you in terms of, like, risk and your sort of medical history to get the terms back. Now the main thing there generally is probably just gonna be the occupation, but, obviously, we'll just wait and see how they they rate you as well.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem. And this is a bit of a random question there as well. Now you're not politically exposed person at all. You don't have any family and politics. You haven't taken up the the cloak or anything?\n\nOkay. Great. And then\n\nChannel 1: Sorry. I shouldn't laugh. It's\n\nChannel 0: the\n\nChannel 1: just yeah. It's just I didn't know\n\nChannel 0: yeah.\n\nChannel 1: what direction you're going at. Could\n\nChannel 0: It's\n\nChannel 1: be\n\nChannel 0: it's\n\nChannel 1: yeah.\n\nChannel 0: the anti money laundering, funnily enough, because obviously\n\nChannel 1: Yeah. Right.\n\nChannel 0: politicians deal with, you know, they can have, you know, lump sums that come in, and then we've got to find out where that comes from. That in addition to, yeah, the fact that more people are more inclined to have more details on a political person\n\nChannel 1: Yes.\n\nChannel 0: that they might call\n\nChannel 1: Yep.\n\nChannel 0: up, try and impersonate, or steal their money.\n\nChannel 1: Yep. No. No. No. Political\n\nChannel 0: As long\n\nChannel 1: affiliation\n\nChannel 0: as\n\nChannel 1: to you.\n\nChannel 0: yeah. Brilliant. And then you're not a tax resident for anywhere else but Australia?\n\nChannel 1: No. I don't hear about it.\n\nChannel 0: Right. And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there. Just touch\n\nChannel 1: Yeah.\n\nChannel 0: on insurances and see, you know, if you can get more adequate cover for where you're at in life. And then\n\nChannel 1: Yep.\n\nChannel 0: maybe the investment property or another investment down the track, but are there any other goals that you're working towards at the moment?\n\nChannel 1: Just no. Not really, man. This doesn't sort of yeah. Like I said, just making the money work for me. Looking at possibly doing something with the money that we do have to make it obviously better.\n\nAnd then other than that, they're not really just just working and doing my thing.\n\nChannel 0: Perfect. Right.\n\nChannel 1: A little bit of a boring life.\n\nChannel 0: Looks, keep it simple, stupid. You know, if you're\n\nChannel 1: It's\n\nChannel 0: happy\n\nChannel 1: simple as easy.\n\nChannel 0: yeah. Don't make it harder on yourself. Life's hard enough.\n\nChannel 1: Exactly, man. That's why I like it.\n\nChannel 0: Brilliant. And I will run through a quick risk profile questionnaire just to gauge where you sort of at with risk. Now your current portfolio is in a growth. Now I'm not too sure how much you sort of looked into it or not, but a growth is roughly around, like, an eighty twenty split or at least that's how we gauge it. Sebas with the portfolio in, I think it's closer to, like, a seventy five twenty five sort of split in\n\nChannel 1: Yeah.\n\nChannel 0: terms of, like, the\n\nChannel 1: Okay.\n\nChannel 0: growth assets versus defensive.\n\nChannel 1: Yep.\n\nChannel 0: So I'll run through these questions and see how you sort of come out in regards to risk and see where we might end up placing you in terms of that to be out of, you know, get those returns and what that sort of looks\n\nChannel 1: Yep.\n\nChannel 0: like. Now would you consider yourself a bit of a risk taker? You know, do you have a punt occasionally? Do you\n\nChannel 1: I\n\nChannel 0: take the odd occasional risk?\n\nChannel 1: suppose. Yeah.\n\nChannel 0: Yeah. You wouldn't consider yourself like a very high risk taker or anything like that? You're not gambling large\n\nChannel 1: No.\n\nChannel 0: amounts\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: You're\n\nChannel 0: money\n\nChannel 1: okay.\n\nChannel 0: or things like that?\n\nChannel 1: No. The other occasion you'd have a have a go, but, no, not really too consistent.\n\nChannel 0: Perfect. And then in regards to investment markets, obviously, you're aware of sort of how they work. But other than that, you're sort of out of sight, out of mind, you're not to sort of invest in it? You don't sort of pay too much attention?\n\nChannel 1: I just I never really gave too too much of a thought when I was a bit younger, but now I'm getting a little bit older. I'm sort of a bit more, like, interested in it, like, per se hence why yeah. So I would say I'm a little bit more interested than what I was, obviously, when I was younger.\n\nChannel 0: Bit more inclined to pay attention when the news is on when they're\n\nChannel 1: Yeah.\n\nChannel 0: mentioning\n\nChannel 1: Yeah.\n\nChannel 0: the markets and what's going on.\n\nChannel 1: Yeah. Not like I'm not turning me all attention to it, but I'm I'm sorta, like, listening a lot more and and, yeah, paying a little bit more attention to things. Yeah.\n\nChannel 0: Right? So you're aware, like, when the markets are sort of fluctuating, when the ups and downs, it's pretty hard\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Just\n\nChannel 0: miss, you know,\n\nChannel 1: from\n\nChannel 0: when\n\nChannel 1: what\n\nChannel 0: a bomb's\n\nChannel 1: you're hearing\n\nChannel 0: going\n\nChannel 1: on\n\nChannel 0: off.\n\nChannel 1: the news.\n\nChannel 0: But\n\nChannel 1: Yeah. Yeah. Exactly. Yeah.\n\nChannel 0: yeah. Yeah. Completely understand. And then with in regards to investments previously, have you sort of taken on any risk within shares, things like that, or any sort of other market risks\n\nChannel 1: I bought\n\nChannel 0: apart\n\nChannel 1: a crypto\n\nChannel 0: from like\n\nChannel 1: a few years\n\nChannel 0: yeah.\n\nChannel 1: ago. That's about as risky as it got for\n\nChannel 0: Yeah. And would you say\n\nChannel 1: me.\n\nChannel 0: you learn the sort of risk reward with that? Did it go up? Did it go down?\n\nChannel 1: Yeah. Yeah. Sure. Yeah. Once it all happened, yeah, what's the on the lows and the crying and the or the whole log.\n\nChannel 0: And then with investments now, obviously, you can't access super for quite a long period. But with other investments, you're still, like, sort of trying to build that wealth. You're not looking at access investments. You're trying to, you know, grow it for the long term.\n\nChannel 1: Yeah. Yeah. Exactly. Yep.\n\nChannel 0: Perfect. And then with inflation, obviously, things get a bit more expensive at the time. You probably realize that more than most with the kids and the cost of living.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But would you say you're willing to take on a higher amount of risk to try and outpace the inflation and make sure your money is actually growing and not just sort of devaluing?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Perfect. And then if your investment was to go the ups and the downs like your crypto there, how much would it have to sort of fluctuate before you got concerned? Like, if it dropped by 25%, would you sort of be, you know, up in arms or, are you quite comfortable given\n\nChannel 1: Uh-huh.\n\nChannel 0: those level of fluctuations?\n\nChannel 1: That's sort of not too bad because I understand, like, the market fluctuates, so it's not really that big of a thing. I mean, it'd be a bit bad if I lost it all, but what do you do there? Like, not much I can do about it if it does have. But, yeah, like, 25% isn't that much, especially at the minute, but, like, obviously, towards the older, I get the more money that does compile in there would be I'd obviously change it. But, yeah, at the moment, yeah, I'm happy with, you know, running that risk sort of thing.\n\nChannel 0: Yeah. Exactly. And the good thing about, like, yourself is that you've got the time on your side to be able to recoup\n\nChannel 1: Yeah.\n\nChannel 0: those\n\nChannel 1: That's\n\nChannel 0: sort of\n\nChannel 1: what\n\nChannel 0: dips\n\nChannel 1: I'm\n\nChannel 0: in\n\nChannel 1: hoping\n\nChannel 0: the market. And you're able\n\nChannel 1: to\n\nChannel 0: to take on a little bit more risk now as opposed to later, especially\n\nChannel 1: do.\n\nChannel 0: when you're contributing more heavily. You know, you\n\nChannel 1: Yeah.\n\nChannel 0: take on that level of risk, invest a little bit harder to get those higher returns. Obviously, if you're in a fund\n\nChannel 1: Yes.\n\nChannel 0: like KeyBass where you're not sort of getting the the rewards and benefit of that at the moment, it can be\n\nChannel 1: Yep.\n\nChannel 0: a little bit sort of disheartening, but we can sort of look to put you in a position that might sort of yield better better returns there for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And then if it was to take a bit of a dip, would you still feel comfortable putting money in there to investing for that growth when it does rebound?\n\nChannel 1: Yeah. 100%. Yeah.\n\nChannel 0: Perfect. Because obviously, you know, we consider it a bit of a file sale, especially for, like, younger people when markets do take a bit of a a drop because you're not looking at selling out anyway. And then if anything, you're buying more for less at that current\n\nChannel 1: Yeah.\n\nChannel 0: time\n\nChannel 1: 100\n\nChannel 0: for\n\nChannel 1: percent.\n\nChannel 0: when it does return.\n\nChannel 1: That's oh, just we got lucky. That's how we bought this house where we are now. Now the the banks weren't lending money. Now I wanted to buy. We got it for a steal.\n\nChannel 0: Yep.\n\nChannel 1: It\n\nChannel 0: Right.\n\nChannel 1: was\n\nChannel 0: Yes.\n\nChannel 1: the the best way to pay.\n\nChannel 0: Sometimes you you just get in at the right time, and you don't have to\n\nChannel 1: Yeah.\n\nChannel 0: worry\n\nChannel 1: Exactly.\n\nChannel 0: about time in the\n\nChannel 1: Yeah.\n\nChannel 0: market.\n\nChannel 1: A 100\n\nChannel 0: It just\n\nChannel 1: percent.\n\nChannel 0: works out\n\nChannel 1: And\n\nChannel 0: for you.\n\nChannel 1: that's the thing. The other thing too, man, I look at it as, like, I know I'm not that young, but I like I do have time on me, so I like you saying. So you can always it can always bounce back. Because even though I was super in the ass a little bit with COVID and all that carry on, but but it's already you know, bounces back. It just fluctuates just how it's gonna be.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: I'd much rather try and invest the more money now rather than yeah. And then I don't have to worry about it later. And like you said, a dollar today rather than a dollar tomorrow.\n\nChannel 0: Exactly. And giving you in a good position with the house and how much that's increased in value. You're\n\nChannel 1: Yeah.\n\nChannel 0: in a good spot there as well. Perfect. And then at the moment there, you're just looking at maybe investment property down the track. But would you ever put borrowed money into things like an investment portfolio or things like that later down the track when you sort of, you know, set yourself up\n\nChannel 1: What do you mean\n\nChannel 0: quite\n\nChannel 1: by an investment portfolio?\n\nChannel 0: nicely? So as\n\nChannel 1: Sorry,\n\nChannel 0: in,\n\nChannel 1: man.\n\nChannel 0: like,\n\nChannel 1: I've been a\n\nChannel 0: if\n\nChannel 1: bit of\n\nChannel 0: you've\n\nChannel 1: a dumbass.\n\nChannel 0: no. That's perfectly fine. So if you say, you know, had your investment property and had your primary residence that was largely debt free, if you were to sort of withdraw back on that maybe or take out a loan, given that you've got equity and other assets there for, like, a 200,000 and then putting that into a share portfolio, much like superannuation, but, like, outside superannuation so that you've got a different type of investment and you're using that borrowed money to leverage against shares, just not against property.\n\nChannel 1: I mean, I've it sounds good. I'd love to do it. I'm not really that savvy, though. I won't lie, but I yeah. It sounds good.\n\nChannel 0: Yeah. Obviously, it's one of the, like, the later things of, like, branching out when\n\nChannel 1: Yeah.\n\nChannel 0: it terms\n\nChannel 1: Yeah.\n\nChannel 0: it comes towards, like, your financial thing. Generally, it's like, you know, get yourself set up, maybe have a a small investment, but mainly look towards, like, getting a primary residence or having that investment property and then\n\nChannel 1: Yep.\n\nChannel 0: looking at branching out from that. You know? Because as you do start to reduce those debt levels and you can afford to still take on that that risk of borrowed money and being able to repay those loans, you can get more by, you know, someone else's money being added on top of that, and you're just\n\nChannel 1: Yep.\n\nChannel 0: gearing for greater returns. Now, obviously, the downside of that is if the market takes a dip, then you're still liable\n\nChannel 1: Yeah.\n\nChannel 0: for the loans that are taken out for those investments. But if you're\n\nChannel 1: Yeah.\n\nChannel 0: still investing for, like, a longer term period and that you've still got that time on your side, and as long as you're not doing it to invest in, like, Bitcoin or something like that where it can just drop by, you know, a 130\n\nChannel 1: Yeah.\n\nChannel 0: percent in a a couple of months, you know, generally, you're a little bit more cautious with those types investments as well and what you're actually putting into much like\n\nChannel 1: Yeah.\n\nChannel 0: property.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And as far when it comes to taking out a loan and things like that, you're quite comfortable with loan values and things and, like, your\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: knowledge around repaying? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now with that, you have come out on the more aggressive side of things in terms of, like, being able to take on that level of risk. Now with that as well, you're, like, right on the cuff. So you're right around for that high growth to aggressive mark. Now aggressive's anywhere up until, like, a 100 invested, whereas the high growth is sitting more around that ninety ten split where you still carry some defensive assets.\n\nSo when the markets do take those dips and bits of turns as well, you do have a portion that sits outside\n\nChannel 1: Yep.\n\nChannel 0: of that that sort of it's like your fixed interest bonds, those sort of things that generally,\n\nChannel 1: Yep.\n\nChannel 0: you know, just tick along upwards even with those market downturns as well. That gives you that a little bit of a defensive portion, if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now given that you're currently in a growth, would you be comfortable sort of going up to a high growth but maybe not all the way up to an aggressive portfolio?\n\nChannel 1: I'd be happy with high growth. Yeah.\n\nChannel 0: Yeah. It's\n\nChannel 1: I\n\nChannel 0: just sort\n\nChannel 1: always\n\nChannel 0: of\n\nChannel 1: thought\n\nChannel 0: a bit\n\nChannel 1: that yeah. That what like, that 80%, eighty twenty would be not a bad split, I think. You know?\n\nChannel 0: so even the growth, you'd feel more comfortable being in like that having a bit more defensive assets.\n\nChannel 1: Yeah. Like that high growth what you said. Yeah.\n\nChannel 0: So high growth is around the $90.10 and then growth is around the eighty twenty, which is what you're\n\nChannel 1: Oh,\n\nChannel 0: currently\n\nChannel 1: sorry,\n\nChannel 0: in there.\n\nChannel 1: man.\n\nChannel 0: No. That's\n\nChannel 1: Oh,\n\nChannel 0: fine.\n\nChannel 1: yeah. No. Well, I'm happily I'm happy to go the higher risk at the minute or the higher one, like, the 90 tens. But, again,\n\nChannel 0: Yep.\n\nChannel 1: while I'm younger and I'm investing, it it seems like yeah. I was happy to go, yeah, I'm happy as with the $90.10. It's not a bad thing because as I said, I'm putting a bit extra money in and work a bit harder now. And then, obviously, later down the track, I don't have to be as aggressive with it. You\n\nChannel 0: Yeah.\n\nChannel 1: know?\n\nChannel 0: Exactly. Like, you could take on the the aggressive if you wanted to, which is like a 100%, but you get a lot\n\nChannel 1: Yeah.\n\nChannel 0: more fluctuation with that. And given that\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: The\n\nChannel 0: not\n\nChannel 1: 90¢\n\nChannel 0: sort\n\nChannel 1: good, man. I think that's a good split.\n\nChannel 0: of yeah. Because it's like it's not only yours at the end of the day there as well. You sort of take into consideration your partner and so is someone else as well. Like, even though it's solely\n\nChannel 1: Yeah.\n\nChannel 0: your superannuation, even though you're comfortable with it, you know, your partner might be comfortable with a 100%\n\nChannel 1: Yeah.\n\nChannel 0: investment\n\nChannel 1: Yeah.\n\nChannel 0: and things like that as well. So ninety, ten, you still have plenty of time. You know, you've got twenty seven years until you can touch it for meeting those conditions of release. So\n\nChannel 1: Yep.\n\nChannel 0: that gives you more than enough time because it's around that seven to ten years split that you're looking at or time horizon to hold those sort of investments for those average\n\nChannel 1: Yep.\n\nChannel 0: returns, and you've got that nearly, like, three times over.\n\nChannel 1: Yep.\n\nChannel 0: So even if you do it for ten years and you get a nice return, you wanna look at dialing it back then or same sort of thing. You can hold it all the way up until, like, you know, the age of 55 before you really start to look at maybe reducing\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: a risk profile as well and things like that.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now in regards to anything that I haven't really touched on or any concerns that you may have, is there anything there that you really sort of wanted addressed in the advice piece apart from, like, you know, your general super insurances and estate planning?\n\nChannel 1: No. Not really, man. It's pretty much covered. That's exactly what I run for. It was exactly that.\n\nAnd then just to see I I just sort of wanted to get the ball rolling a little bit just to see, you know, like, get it sort of slowly moving. And then as it as it as the days go on, sort of, like, work out which direction we wanna go. Yeah. The main thing was the super and just trying to sort that out. And then, obviously, later on down the track, we'd be obviously looking at other things to do, like investing in that.\n\nYou know?\n\nChannel 0: Yeah. Not a problem at all. And then with that, did you want sort of the referrals still to the the broker there just to have that conversation sort of\n\nChannel 1: You\n\nChannel 0: more\n\nChannel 1: can\n\nChannel 0: recently?\n\nChannel 1: send it through, man.\n\nChannel 0: Or\n\nChannel 1: 100%. I don't mind. I'm gonna I'm gonna go inside when we're done this conversation and talk to me with my wife, obviously, and and put it in front of her what's been said and what you're sort of, like, offering. You know?\n\nChannel 0: yeah.\n\nChannel 1: But,\n\nChannel 0: And\n\nChannel 1: yeah,\n\nChannel 0: then\n\nChannel 1: by\n\nChannel 0: it's\n\nChannel 1: all\n\nChannel 0: saying\n\nChannel 1: means, you\n\nChannel 0: that\n\nChannel 1: can put us through. And if I don't wanna talk to them or we're not that ready, I'll just I'll just tell them, yeah, we're just not ready. I mean, that's cool.\n\nChannel 0: because, generally, they'll reach out within a few days once they do it. So I just give them that your general information, sort of what you're looking forward. So just ship an email and then, like, a phone number and when you sort of generally, you know, available. So is afternoon sort of work better for you generally?\n\nChannel 1: Yeah. I prefer as late as possible, man. Just because with work. Unless I've got a day off, it's just hard with work because I don't know what I'm doing from day to day. You know?\n\nChannel 0: Yep. No problem. They're pretty good in the sense that they'll reach out. They'll shoot you an email. If you feel like you don't\n\nChannel 1: Yeah.\n\nChannel 0: wanna\n\nChannel 1: Sweet.\n\nChannel 0: have a chat or you're not up to it, then same sort of thing. And if you just tell them, like, give us a few months, we'll reach back out, they're they're pretty\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: flexible as well.\n\nChannel 1: Yep.\n\nChannel 0: Now within regards to that as well, are you still happy for me to transfer you through to one of my colleagues to be able to\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: 100\n\nChannel 0: that\n\nChannel 1: percent\n\nChannel 0: that, Chris?\n\nChannel 1: there. Yeah.\n\nChannel 0: Perfect. So what I'll do is I'll pop you on a brief hold, and then I'll run through those questions. Obviously, if you haven't had, like, many injuries, things like that, it'll run quite quickly\n\nChannel 1: Yep.\n\nChannel 0: in terms of that. And then I'll just get through as quick as possible, and we'll get those sent off to the insurers just to see what they'll rate you at. And then they'll\n\nChannel 1: Yep.\n\nChannel 0: even book in a time, maybe not next week, but the week after just to be able to run through everything. And like I said, you won't get charged until you're sort of happy with the advice. All this is complimentary up until the point of signing, and you'll\n\nChannel 1: Yep.\n\nChannel 0: know all the fees and everything that you do get charged. So at the moment, it's 1.65 ongoing with an upfront fee as well for the initial advice piece. Now this will all be disclosed in the advice piece, and I'll go through it a little bit more in-depth in terms of those costs. The good thing about\n\nChannel 1: Yep.\n\nChannel 0: the upfront is it's never charged again, and then the ongoing is just the ongoing management, and you get the benefits\n\nChannel 1: Yep.\n\nChannel 0: of being an ongoing client, updated advice, your 12 monthly reviews, things like that, or you can have, like, quarterly, bi yearly, things like that as well.\n\nChannel 1: Can I ask?\n\nChannel 0: It's\n\nChannel 1: You said 1.5 percentager?\n\nChannel 0: 1.65% ongoing. The balance\n\nChannel 1: Is\n\nChannel 0: is\n\nChannel 1: that\n\nChannel 0: under management.\n\nChannel 1: it obviously all comes out of the super, doesn't it? That's\n\nChannel 0: Yeah.\n\nChannel 1: sort of what I was under understanding. Now it sounds really dumb. Do you get is it 1 0.65 off the profit of the super or just the entire super coverage?\n\nChannel 0: It's based on the balance under management. So, yeah, the entire\n\nChannel 1: Yeah.\n\nChannel 0: sort of balance. And, obviously, as\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: That's\n\nChannel 0: grows\n\nChannel 1: cool.\n\nChannel 0: that\n\nChannel 1: No dramas,\n\nChannel 0: yeah.\n\nChannel 1: man.\n\nChannel 0: It is capped at the moment at 600,000 there as well. So, you know, if you got to a point, it may change in the future. I think they are discussing about changing the fee structures a little bit to be a little bit\n\nChannel 1: Yep.\n\nChannel 0: more sort of fair for, like, higher balance, lower balances, things like that. But that's the way it's currently at, and it's charged, like, monthly in the sense that it's a dollar cost averages. So as the markets go up and down, you sort of the fee goes up and down with that and how your superannuation is performing.\n\nChannel 1: Yep. Yeah. That's cool.\n\nChannel 0: So I was just seeing if someone's available for the pre assessment there that's around me.\n\nChannel 1: It's alright.\n\nChannel 0: Yep. Sorry. Just a final\n\nChannel 1: Yeah,\n\nChannel 0: liaison\n\nChannel 1: man.\n\nChannel 0: while I'm on the phone sort of half on hold. Yeah. So within regards to the the process there as well, once we sort of get you booked in, present the advice piece for you were to to come on board, that fees does cover, like, all the ongoing services there as well, which are\n\nChannel 1: Yep.\n\nChannel 0: included in the the OSA and the financial services guide as\n\nChannel 1: Yep.\n\nChannel 0: well. And then yeah. So that's all included in that plus, like, the liaison with the the OVA partners and things like that as well in terms\n\nChannel 1: Yep.\n\nChannel 0: of that ongoing fee. But do you have any questions in regards to the fee apart from that or anything else?\n\nChannel 1: No. No. I'm pretty much happy as me, to be honest.\n\nChannel 0: Perfect. Obviously, the benefit is is we don't charge upfront to to give you the advice piece because if you weren't happy with it, you'd probably still go ahead with it because you paid the $5 for it.\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: But\n\nChannel 1: know what you mean.\n\nChannel 0: yeah, so and with that, you get to see what you're you're buying before you you come on board anyway.\n\nChannel 1: Yep.\n\nChannel 0: Now with in regards to that one, I will be popping you on a brief hold, and then you will be speaking with my my colleague, Samantha, just to do that.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: That's\n\nChannel 0: praise\n\nChannel 1: okay.\n\nChannel 0: has been a run through those questions.\n\nChannel 1: Yep.\n\nChannel 0: But it'll be a brief hold there, and then you go through to her. But do you have any other questions for me there just before I I let you go for the afternoon?\n\nChannel 1: I mean, I'm I'm pretty much covered, I think, from what I've what I've needed to ask anyway.\n\nChannel 0: Brilliant. Obviously, if anything does come up, feel free to shoot us an email, give us a callback, and we can include that in the the advice piece or address any concerns you may have as well. Perfect, mate. Well, thanks for your time this\n\nChannel 1: Yep.\n\nChannel 0: afternoon. I've taken\n\nChannel 1: Yeah.\n\nChannel 0: up\n\nChannel 1: I\n\nChannel 0: a bit\n\nChannel 1: appreciate\n\nChannel 0: of it there. So\n\nChannel 1: it, man.\n\nChannel 0: hopefully\n\nChannel 1: Thank you very much.\n\nChannel 0: no. That that's no problem at all. So hopefully, this goes a bit quick for you there, and we'll get you booked in for a time to go through that advice piece then. Brilliant. So a brief hold, and then you'll be speaking with Samantha.\n\nChannel 1: Thanks, mate.\n\nChannel 0: Cheers. Thanks, man. Bye.\n\nChannel 1: Yeah.","paragraphs":[{"sentences":[{"text":"Hi, Jesse.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.22502397745847702},{"text":"Thanks for returning my call there.","start":2.96,"end":4.66,"sentiment":"positive","sentiment_score":0.5373870581388474}],"sentiment":"positive","sentiment_score":0.45929628796875477,"channel":0,"num_words":8,"start":2.3999999,"end":4.66},{"sentences":[{"text":"Sorry about that, man.","start":4.96,"end":5.5899997,"sentiment":"neutral","sentiment_score":-0.19704611226916313},{"text":"I do apologize.","start":5.5899997,"end":6.58,"sentiment":"neutral","sentiment_score":-0.18817521135012308}],"sentiment":"neutral","sentiment_score":-0.19324429758957454,"channel":1,"num_words":7,"start":4.96,"end":6.58},{"sentences":[{"text":"No.","start":7.2,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.07459931820631027},{"text":"No.","start":7.3599997,"end":7.6,"sentiment":"neutral","sentiment_score":-0.047202110290527344},{"text":"That's that's perfectly fine.","start":7.6,"end":9.22,"sentiment":"neutral","sentiment_score":0.21030377224087715},{"text":"So, yeah, as I said, I had you booked in for that initial consultation there.","start":10.0,"end":13.934999,"sentiment":"neutral","sentiment_score":0.10923026005427043},{"text":"Now have you worked with a financial adviser before or previously there, Jesse?","start":14.155,"end":18.015,"sentiment":"neutral","sentiment_score":0.03257979481266095}],"sentiment":"neutral","sentiment_score":0.08180602628956823,"channel":0,"num_words":34,"start":7.2,"end":18.015},{"sentences":[{"text":"No, mate.","start":18.425,"end":18.904999,"sentiment":"neutral","sentiment_score":-0.05022410675883293},{"text":"No.","start":18.904999,"end":19.145,"sentiment":"neutral","sentiment_score":-0.060014404356479645},{"text":"First time.","start":19.145,"end":19.965,"sentiment":"neutral","sentiment_score":-0.03308624215424061}],"sentiment":"neutral","sentiment_score":-0.045327020436525346,"channel":1,"num_words":5,"start":18.425,"end":19.965},{"sentences":[{"text":"Yep.","start":20.795,"end":21.115,"sentiment":"neutral","sentiment_score":0.10563655942678452},{"text":"Not a problem at all.","start":21.115,"end":22.314999,"sentiment":"neutral","sentiment_score":0.22457045018672944},{"text":"And then sorta what was your your main purpose for sort of reaching out and just wanting to to seek financial advice?","start":22.314999,"end":27.63,"sentiment":"neutral","sentiment_score":0.09496227888898416},{"text":"Is there anything particular on your mind?","start":27.63,"end":29.49,"sentiment":"neutral","sentiment_score":0.04806884750723839}],"sentiment":"neutral","sentiment_score":0.10440402509910719,"channel":0,"num_words":35,"start":20.795,"end":29.49},{"sentences":[{"text":"Yeah.","start":30.05,"end":30.369999,"sentiment":"neutral","sentiment_score":0.07653869688510895},{"text":"My Supa.","start":30.369999,"end":31.09,"sentiment":"neutral","sentiment_score":0.03323952481150627},{"text":"So a gentleman I work with suggested I give you a call and have a chat with you is because I'm with Speedbus at the moment, my Supa.","start":31.09,"end":40.21,"sentiment":"neutral","sentiment_score":0.009047534516347306},{"text":"I'm just not really liking how they're performing and","start":40.21,"end":42.95,"sentiment":"negative","sentiment_score":-0.3373059299257066}],"sentiment":"neutral","sentiment_score":-0.06598511640913785,"channel":1,"num_words":40,"start":30.05,"end":42.95},{"sentences":[{"text":"Yep.","start":43.405003,"end":43.905003,"sentiment":"neutral","sentiment_score":-0.19798430800437927}],"sentiment":"neutral","sentiment_score":-0.19798430800437927,"channel":0,"num_words":1,"start":43.405003,"end":43.905003},{"sentences":[{"text":"and that sort of stuff.","start":43.435,"end":44.475002,"sentiment":"neutral","sentiment_score":-0.3218948721885681},{"text":"And then, like, told me at work told me that he reached out to you about two years ago, and he's just done pretty good work for him.","start":44.475002,"end":52.395,"sentiment":"neutral","sentiment_score":0.13443394723747457},{"text":"And he's super sort of rising since going with your company, and I just wanted to sorta jump on the on the train as well, you know, and just sorta I'd like to better myself with my super.","start":52.395,"end":63.559998,"sentiment":"neutral","sentiment_score":0.21560015470573776},{"text":"You know?","start":63.559998,"end":63.8,"sentiment":"neutral","sentiment_score":0.021151728928089142},{"text":"I'd like to obviously, super is a long term game, but I'd","start":63.8,"end":66.6,"sentiment":"neutral","sentiment_score":0.03231447304521377}],"sentiment":"neutral","sentiment_score":0.1267948138226262,"channel":1,"num_words":85,"start":43.435,"end":66.6},{"sentences":[{"text":"Yeah.","start":66.555,"end":67.055,"sentiment":"neutral","sentiment_score":0.036554425954818726}],"sentiment":"neutral","sentiment_score":0.036554425954818726,"channel":0,"num_words":1,"start":66.555,"end":67.055},{"sentences":[{"text":"rather work in my favor.","start":66.6,"end":69.0,"sentiment":"neutral","sentiment_score":0.09690704494714737},{"text":"And and then he was telling me, like, you did some I know everybody's different, but you did some, like, a projected, like, outcome after, like, you know, six years of retirement, and it was just nearly double of what SeaBus could offer just off the statistics that he had.","start":69.0,"end":84.425,"sentiment":"neutral","sentiment_score":0.05176882192492485},{"text":"You know?","start":84.425,"end":84.665,"sentiment":"neutral","sentiment_score":0.06822567991912365},{"text":"So I was quite happy to ring up and just chat with you about how, yeah,","start":84.665,"end":89.1,"sentiment":"positive","sentiment_score":0.4262490402907133}],"sentiment":"neutral","sentiment_score":0.13738920993796766,"channel":1,"num_words":73,"start":66.6,"end":89.1},{"sentences":[{"text":"Yeah.","start":89.625,"end":89.945,"sentiment":"neutral","sentiment_score":0.24814839661121368},{"text":"Perfect.","start":89.945,"end":90.345,"sentiment":"positive","sentiment_score":0.4029092192649842}],"sentiment":"neutral","sentiment_score":0.3255288079380989,"channel":0,"num_words":2,"start":89.625,"end":90.345},{"sentences":[{"text":"they possibly","start":89.979996,"end":90.54,"sentiment":"neutral","sentiment_score":0.23556306213140488}],"sentiment":"neutral","sentiment_score":0.23556306213140488,"channel":1,"num_words":2,"start":89.979996,"end":90.54},{"sentences":[{"text":"Net.","start":90.345,"end":90.845,"sentiment":"neutral","sentiment_score":0.23930951952934265}],"sentiment":"neutral","sentiment_score":0.23930951952934265,"channel":0,"num_words":1,"start":90.345,"end":90.845},{"sentences":[{"text":"join up in that.","start":90.54,"end":91.68,"sentiment":"neutral","sentiment_score":0.2469080574810505}],"sentiment":"neutral","sentiment_score":0.2469080574810505,"channel":1,"num_words":4,"start":90.54,"end":91.68},{"sentences":[{"text":"Great.","start":92.185005,"end":92.585,"sentiment":"neutral","sentiment_score":0.30136963725090027},{"text":"And who was that again, sorry, that referred you on?","start":92.585,"end":95.405,"sentiment":"neutral","sentiment_score":0.04641895517706871}],"sentiment":"neutral","sentiment_score":0.06959628991105339,"channel":0,"num_words":11,"start":92.185005,"end":95.405},{"sentences":[{"text":"His name is Dustin Jodlowski, but I'm not spelling his last name because I can't.","start":95.74,"end":100.479996,"sentiment":"neutral","sentiment_score":-0.0581269821152091}],"sentiment":"neutral","sentiment_score":-0.0581269821152091,"channel":1,"num_words":15,"start":95.74,"end":100.479996},{"sentences":[{"text":"Justin John what","start":102.44,"end":104.200005,"sentiment":"neutral","sentiment_score":-0.00819366859893004}],"sentiment":"neutral","sentiment_score":-0.00819366859893004,"channel":0,"num_words":3,"start":102.44,"end":104.200005},{"sentences":[{"text":"Dustin","start":104.095,"end":104.595,"sentiment":"neutral","sentiment_score":-0.013410979881882668}],"sentiment":"neutral","sentiment_score":-0.013410979881882668,"channel":1,"num_words":1,"start":104.095,"end":104.595},{"sentences":[{"text":"was the last name again?","start":104.200005,"end":105.32,"sentiment":"neutral","sentiment_score":-0.01190738882869482}],"sentiment":"neutral","sentiment_score":-0.01190738882869482,"channel":0,"num_words":5,"start":104.200005,"end":105.32},{"sentences":[{"text":"Jodlowski,","start":105.135,"end":105.635,"sentiment":"neutral","sentiment_score":0.006734862923622131}],"sentiment":"neutral","sentiment_score":0.006734862923622131,"channel":1,"num_words":1,"start":105.135,"end":105.635},{"sentences":[{"text":"Yep.","start":105.32,"end":105.82,"sentiment":"neutral","sentiment_score":0.00988574605435133}],"sentiment":"neutral","sentiment_score":0.00988574605435133,"channel":0,"num_words":1,"start":105.32,"end":105.82},{"sentences":[{"text":"j o d l o w s k I.","start":106.095,"end":110.275,"sentiment":"neutral","sentiment_score":0.010646231782933077}],"sentiment":"neutral","sentiment_score":0.010646231782933077,"channel":1,"num_words":9,"start":106.095,"end":110.275},{"sentences":[{"text":"Okay.","start":110.840004,"end":111.340004,"sentiment":"neutral","sentiment_score":0.0196650642901659}],"sentiment":"neutral","sentiment_score":0.0196650642901659,"channel":0,"num_words":1,"start":110.840004,"end":111.340004},{"sentences":[{"text":"Jodlowski.","start":110.895004,"end":111.395004,"sentiment":"neutral","sentiment_score":0.023800568655133247}],"sentiment":"neutral","sentiment_score":0.023800568655133247,"channel":1,"num_words":1,"start":110.895004,"end":111.395004},{"sentences":[{"text":"No.","start":111.48,"end":111.98,"sentiment":"neutral","sentiment_score":0.06788527220487595},{"text":"Not a problem.","start":112.915,"end":113.735,"sentiment":"neutral","sentiment_score":0.11844336986541748},{"text":"Yeah.","start":113.955,"end":114.275,"sentiment":"neutral","sentiment_score":0.037030935287475586},{"text":"Just so we're aware he referred you on.","start":114.275,"end":116.355,"sentiment":"neutral","sentiment_score":0.09673963207751513},{"text":"That's fine.","start":116.355,"end":117.095,"sentiment":"positive","sentiment_score":0.42236441373825073}],"sentiment":"neutral","sentiment_score":0.13859281341234844,"channel":0,"num_words":15,"start":111.48,"end":117.095},{"sentences":[{"text":"And then in regards to that, obviously, you know, super is just part of what we do there as well.","start":118.19501,"end":123.875,"sentiment":"neutral","sentiment_score":0.14677703939378262},{"text":"And I know","start":123.875,"end":124.69501,"sentiment":"neutral","sentiment_score":0.0804729958375295}],"sentiment":"neutral","sentiment_score":0.13812868588644525,"channel":0,"num_words":23,"start":118.19501,"end":124.69501},{"sentences":[{"text":"Yep.","start":124.75,"end":125.25,"sentiment":"neutral","sentiment_score":0.07463774085044861}],"sentiment":"neutral","sentiment_score":0.07463774085044861,"channel":1,"num_words":1,"start":124.75,"end":125.25},{"sentences":[{"text":"potentially, you were looking at sort of a range of things sort of down the track as well.","start":125.9,"end":129.98,"sentiment":"neutral","sentiment_score":0.06574137488173114},{"text":"But is this, like, superannuation the main thing that you wanted to address?","start":129.98,"end":133.12,"sentiment":"neutral","sentiment_score":0.04380605025933339}],"sentiment":"neutral","sentiment_score":0.056542690362661116,"channel":0,"num_words":31,"start":125.9,"end":133.12},{"sentences":[{"text":"Yeah.","start":133.405,"end":133.805,"sentiment":"neutral","sentiment_score":0.03480016440153122},{"text":"So and this is another thing too.","start":133.805,"end":135.805,"sentiment":"neutral","sentiment_score":0.022795148193836212},{"text":"Lately, in the last sort of few months, me and my wife have been considering possibly buying an investment property and then going that sort of direction as well.","start":135.805,"end":146.205,"sentiment":"neutral","sentiment_score":0.015067627139646432},{"text":"But then another thing too, we were looking at wondering if it's better to do it through super or maybe just use the equity from our house and and just sort of get a bit of financial planning as well, just a bit of help there.","start":146.205,"end":158.05,"sentiment":"neutral","sentiment_score":0.047878140340680664},{"text":"You know?","start":158.05,"end":158.63,"sentiment":"neutral","sentiment_score":0.008230715058743954}],"sentiment":"neutral","sentiment_score":0.03353156793643446,"channel":1,"num_words":85,"start":133.405,"end":158.63},{"sentences":[{"text":"Just sorta, again, make my money work a bit better, you know, for me and things we could possibly do better.","start":158.69,"end":165.235,"sentiment":"neutral","sentiment_score":0.06180402423654284}],"sentiment":"neutral","sentiment_score":0.06180402423654284,"channel":1,"num_words":21,"start":158.69,"end":165.235},{"sentences":[{"text":"Brilliant.","start":166.105,"end":166.605,"sentiment":"positive","sentiment_score":0.6507934331893921},{"text":"Yes.","start":167.465,"end":167.945,"sentiment":"neutral","sentiment_score":0.3275774121284485},{"text":"So the main thing you wanna achieve out of having a financial adviser just would be to ensure that money that you have working a bit harder for you and you just know","start":167.945,"end":175.56,"sentiment":"neutral","sentiment_score":0.1500647466516856}],"sentiment":"neutral","sentiment_score":0.16944307099495615,"channel":0,"num_words":35,"start":166.105,"end":175.56},{"sentences":[{"text":"Yeah.","start":175.53,"end":176.03,"sentiment":"neutral","sentiment_score":0.011328596621751784}],"sentiment":"neutral","sentiment_score":0.011328596621751784,"channel":1,"num_words":1,"start":175.53,"end":176.03},{"sentences":[{"text":"what sort of going on.","start":175.56,"end":176.44,"sentiment":"neutral","sentiment_score":-0.030497483909130096},{"text":"Just get a bit more information about, like, what you can do and what you can't","start":176.44,"end":179.56,"sentiment":"neutral","sentiment_score":-0.029092996031977236}],"sentiment":"neutral","sentiment_score":-0.02942739790748982,"channel":0,"num_words":21,"start":175.56,"end":179.56},{"sentences":[{"text":"Yeah.","start":179.53,"end":179.93,"sentiment":"neutral","sentiment_score":-0.01972944103181362}],"sentiment":"neutral","sentiment_score":-0.01972944103181362,"channel":1,"num_words":1,"start":179.53,"end":179.93},{"sentences":[{"text":"do and what","start":179.56,"end":179.95999,"sentiment":"neutral","sentiment_score":-0.01986205391585827}],"sentiment":"neutral","sentiment_score":-0.01986205391585827,"channel":0,"num_words":3,"start":179.56,"end":179.95999},{"sentences":[{"text":"What","start":179.93,"end":180.25,"sentiment":"neutral","sentiment_score":-0.05981309339404106}],"sentiment":"neutral","sentiment_score":-0.05981309339404106,"channel":1,"num_words":1,"start":179.93,"end":180.25},{"sentences":[{"text":"the better","start":179.95999,"end":180.28,"sentiment":"neutral","sentiment_score":-0.13814856857061386}],"sentiment":"neutral","sentiment_score":-0.13814856857061386,"channel":0,"num_words":2,"start":179.95999,"end":180.28},{"sentences":[{"text":"sort","start":180.25,"end":180.49,"sentiment":"neutral","sentiment_score":-0.10841004550457}],"sentiment":"neutral","sentiment_score":-0.10841004550457,"channel":1,"num_words":1,"start":180.25,"end":180.49},{"sentences":[{"text":"option","start":180.28,"end":180.68,"sentiment":"neutral","sentiment_score":-0.06023472547531128}],"sentiment":"neutral","sentiment_score":-0.06023472547531128,"channel":0,"num_words":1,"start":180.28,"end":180.68},{"sentences":[{"text":"of","start":180.49,"end":180.65,"sentiment":"neutral","sentiment_score":-0.09458808600902556}],"sentiment":"neutral","sentiment_score":-0.09458808600902556,"channel":1,"num_words":1,"start":180.49,"end":180.65},{"sentences":[{"text":"probably","start":180.68,"end":181.18,"sentiment":"neutral","sentiment_score":-0.13474509119987488}],"sentiment":"neutral","sentiment_score":-0.13474509119987488,"channel":0,"num_words":1,"start":180.68,"end":181.18},{"sentences":[{"text":"because I think I'm doing stuff okay, but I yeah.","start":180.73,"end":183.77,"sentiment":"neutral","sentiment_score":-0.0697202805429697},{"text":"Obviously, everybody could improve in things.","start":183.77,"end":185.77,"sentiment":"neutral","sentiment_score":0.06388818100094795},{"text":"Like, I think, oh, I sadly sacrifice a a bit of money every week, and maybe that's maybe I'm doing the right thing.","start":185.77,"end":191.655,"sentiment":"neutral","sentiment_score":-0.18838178042484366},{"text":"Maybe I'm doing the wrong thing.","start":191.655,"end":192.61499,"sentiment":"negative","sentiment_score":-0.38024641076723736},{"text":"Maybe I need to take a different approach to it.","start":192.61499,"end":194.295,"sentiment":"neutral","sentiment_score":-0.23316693007946016}],"sentiment":"neutral","sentiment_score":-0.16836004426533527,"channel":1,"num_words":55,"start":180.73,"end":194.295},{"sentences":[{"text":"You know?","start":194.295,"end":194.53499,"sentiment":"neutral","sentiment_score":-0.06233030930161476},{"text":"Just sort of getting a bit of help.","start":194.53499,"end":195.655,"sentiment":"neutral","sentiment_score":-0.06871670065447688},{"text":"You know?","start":195.655,"end":196.215,"sentiment":"neutral","sentiment_score":-0.027477828785777092},{"text":"Mainly for the super at the minute, but, eventually, long term, we would like to look at yeah.","start":196.215,"end":201.88,"sentiment":"neutral","sentiment_score":0.019014575829108555},{"text":"Like I said, investing in some other stuff as well.","start":201.88,"end":205.18,"sentiment":"neutral","sentiment_score":0.060951611027121544}],"sentiment":"neutral","sentiment_score":0.005560714844614267,"channel":1,"num_words":40,"start":194.295,"end":205.18},{"sentences":[{"text":"Great.","start":205.83,"end":206.33,"sentiment":"neutral","sentiment_score":0.32942283153533936},{"text":"Now I will go on through and confirm a few details 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They emphasize the importance of maintaining a long term investment and being cautious with high growth investments, as well as the possibility of referring someone to their mortgage broker and a dip in the market. The representative provides details on fees and ongoing management, as well as the process for the referral process and sending an email with their information. They also suggest sending an email with their information for a brief hold and a colleague will speak with them later."},"intents":{"segments":[{"text":"Now have you worked with a financial adviser before or previously there, Jesse?","start_word":36,"end_word":48,"intents":[{"intent":"Request financial advice","confidence_score":0.19493559}]},{"text":"But is this, like, superannuation the main thing that you wanted to address? 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Sort of, man.","start_word":2139,"end_word":2194,"intents":[{"intent":"Discussing policy options","confidence_score":0.0018160563}]},{"text":"The good thing with that, though, is you do end up with a cheaper sort of cost and outcome with that one. Yep.","start_word":2234,"end_word":2256,"intents":[{"intent":"Discussing cost comparison","confidence_score":0.030007051}]},{"text":"We'll even have a look and see what the the cost of increasing your cover looks like with Cbus and what that Yep. may sort of look like as well.","start_word":2257,"end_word":2286,"intents":[{"intent":"Discussing cbus cover","confidence_score":0.005395715}]},{"text":"And I have here, at the moment, you're doing around the sort of ninety hour week as a max, but overall, it you're a thirty eight hour full time employee. Ninety ninety hours would be again, it's I just sort of the lady asked me sort of a range. Yep.","start_word":2289,"end_word":2338,"intents":[{"intent":"Discussing employee hours","confidence_score":0.2982482}]},{"text":"And would you know roughly what your base is if you just did your base hours, what that would be?","start_word":2465,"end_word":2484,"intents":[{"intent":"Discussing base hours","confidence_score":0.030220674}]},{"text":"It's close to $60 an hour. And then, obviously, whatever that works, that's to be over the thirty six hours they pay us. So I I couldn't I'd have to have a look at me, basically, man. I do apologize Yeah. No. before That I it's figure not out. a huge thing because obviously, you get superannuation paid on your full salary. And then Yeah.","start_word":2514,"end_word":2578,"intents":[{"intent":"Discussing salary","confidence_score":0.0026146006}]},{"text":"But if you've insured yourself for, like, $1.50, income protection is the more expensive insurance as well. And then if Yep. you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty, Okay.","start_word":2724,"end_word":2778,"intents":[{"intent":"Discussing auto insurance coverage","confidence_score":0.00006547117}]},{"text":"you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty, Okay.","start_word":2745,"end_word":2778,"intents":[{"intent":"Understanding auto insurance coverage","confidence_score":0.00012024626}]},{"text":"if you were to take on the investment property debt and sort of refinance a little bit and sort of have more debt on the primary residence or have, you know, solely just to the investment property being interest only and not Yep. really having any down payment for that one, The the Yep.","start_word":2826,"end_word":2879,"intents":[{"intent":"Discuss and discuss options for investments","confidence_score":7.749005e-9}]},{"text":"benefit is if something, you know, hits the fan, you can always sell the investment property.","start_word":2879,"end_word":2894,"intents":[{"intent":"Discuss yep benefits and investments","confidence_score":0.0000080388245}]},{"text":"Now, obviously, depending on markets, you may potentially win or lose, but we don't typically insure for that anyway because Yep.","start_word":2919,"end_word":2939,"intents":[{"intent":"Insure debt","confidence_score":0.0075214296}]},{"text":"something you'd be looking to to cover up to? Would you feel like if the debt was gone and you only had, like, a few years income replacement, that'd be better and you'd only really wanna cover for, you know, debt plus a few years? Or have you really thought about it too much?","start_word":3212,"end_word":3265,"intents":[{"intent":"Cover debts","confidence_score":0.015406805}]},{"text":"Now in regards to the income protection side of things, have you had a thought about, like, what you're sort of trying to recover for or, like, the the waiting or benefit periods of that, like, with the income protection? Yeah.","start_word":3542,"end_word":3582,"intents":[{"intent":"Discuss income protection and wait periods","confidence_score":0.0002045921}]},{"text":"There's a few little, yeah, Right. And then with that, do you know if there's any other insurance associated with that one, or is it just the Not income protection?","start_word":4017,"end_word":4046,"intents":[{"intent":"Resolve insurance coverage","confidence_score":0.0022408438}]},{"text":"It's different with each sort of policy. The main ones are certain types of cancers, strokes, heart attacks, those sort of things.","start_word":4409,"end_word":4430,"intents":[{"intent":"Discuss policy options","confidence_score":0.28502452}]},{"text":"In regards to your salary sacrifice there as well, you're doing the 5% weekly at the moment. Are you looking Yeah.","start_word":4719,"end_word":4739,"intents":[{"intent":"Discuss salary sacrifice options","confidence_score":0.07189847}]},{"text":"But given that it's, like, 5% and you're on a pretty good wicket and, you know, you you don't have a huge amount of debt and you're not looking at doing any sort of other investments currently, it's a good way to get your super growing and compounding early.","start_word":4997,"end_word":5045,"intents":[{"intent":"Address debt concerns","confidence_score":0.01135856}]},{"text":"if we do last and we do retire, then I'm putting in enough to cover her and the years that she's been off.","start_word":5457,"end_word":5479,"intents":[{"intent":"Discuss retirement plans and retirement plans","confidence_score":0.0026301956}]},{"text":"I thought doing it online because, obviously, I've got the more money there. It might be a bit better than compiling, you know, eventually, I haven't used. That's what I thought. Yeah.","start_word":5776,"end_word":5807,"intents":[{"intent":"Explain difference","confidence_score":0.0011673031}]},{"text":"It does compound a lot better when you just Yeah. sort Yeah.","start_word":5808,"end_word":5819,"intents":[{"intent":"Calculate compounding","confidence_score":0.00006660129}]},{"text":"And then as far as assets and liabilities here, I don't I just got the house, the two cars. But do you have, like, a bit of a savings built up as well? Or All our savings is technically in our offset, but, yeah, we got about just shy of $60. perfect.","start_word":5892,"end_word":5943,"intents":[{"intent":"Discuss savings","confidence_score":0.09533673}]},{"text":"at the moment with in regards to investment properties in Australia, even though they're talking about maybe changing the capital gains rules with it, investment Yes.","start_word":6019,"end_word":6044,"intents":[{"intent":"Discuss investment properties","confidence_score":0.382468}]},{"text":"that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well.","start_word":6076,"end_word":6099,"intents":[{"intent":"Have a conversation","confidence_score":0.026300278}]},{"text":"that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well. So that mortgage brokers Yeah.","start_word":6076,"end_word":6104,"intents":[{"intent":"Discuss investment property","confidence_score":0.032912992}]},{"text":"Because I can even just, like, pass your details along to them as well just to have a conversation, see what that might look like, and see Yes.","start_word":6221,"end_word":6248,"intents":[{"intent":"Pass details","confidence_score":0.3364741}]},{"text":"you don't go with us or not, you can still use their service. Same sort of thing goes.","start_word":6449,"end_word":6466,"intents":[{"intent":"Use service","confidence_score":0.41015646}]},{"text":"Because after this phone call, I can transfer you through to one of my colleagues, and they can go through that pre assessment process. They ask a little bit more about your work. In addition to that, they do a bit about family history and then your own history. And then Yep.","start_word":6648,"end_word":6699,"intents":[{"intent":"Transfer call","confidence_score":0.041853793}]},{"text":"off to the insurer just to see how they'll rate you in terms of, like, risk and your sort of medical history to get the terms back.","start_word":6724,"end_word":6750,"intents":[{"intent":"Check insurance status","confidence_score":0.0013129566}]},{"text":"politicians deal with, you know, they can have, you know, lump sums that come in, and then we've got to find out where that comes from. That in addition to, yeah, the fact that more people are more inclined to have more details on a political person Yes.","start_word":6856,"end_word":6903,"intents":[{"intent":"Resolve political issue","confidence_score":0.00003332329}]},{"text":"And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there. Just touch Yeah.","start_word":6949,"end_word":6976,"intents":[{"intent":"Review super","confidence_score":0.5538391}]},{"text":"And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there. Just touch Yeah. on insurances and see, you know, if you can get more adequate cover for where you're at in life. And then Yep.","start_word":6949,"end_word":6998,"intents":[{"intent":"Review insurance coverage","confidence_score":0.22501965}]},{"text":"And I will run through a quick risk profile questionnaire just to gauge where you sort of at with risk.","start_word":7115,"end_word":7134,"intents":[{"intent":"Review risk profile survey","confidence_score":0.018793575}]},{"text":"Now your current portfolio is in a growth. Now I'm not too sure how much you sort of looked into it or not, but a growth is roughly around, like, an eighty twenty split or at least that's how we gauge it.","start_word":7135,"end_word":7176,"intents":[{"intent":"Assess portfolio growth","confidence_score":0.22792134}]},{"text":"So I'll run through these questions and see how you sort of come out in regards to risk and see where we might end up placing you in terms of that to be out of, you know, get those returns and what that sort of looks Yep.","start_word":7209,"end_word":7255,"intents":[{"intent":"Evaluate risk decisions","confidence_score":0.006040155}]},{"text":"And then with in regards to investments previously, have you sort of taken on any risk within shares, things like that, or any sort of other market risks I apart bought a crypto from like a few years yeah. ago.","start_word":7540,"end_word":7579,"intents":[{"intent":"Evaluate investment risk","confidence_score":0.056479417}]},{"text":"And the good thing about, like, yourself is that you've got the time on your side to be able to recoup Yeah.","start_word":7914,"end_word":7935,"intents":[{"intent":"Recoup","confidence_score":0.6509278},{"intent":"Share personal circumstances","confidence_score":0.000010903658}]},{"text":"a little bit sort of disheartening, but we can sort of look to put you in a position that might sort of yield better better returns there for you as well. Yep.","start_word":8020,"end_word":8051,"intents":[{"intent":"Provide returns","confidence_score":0.021921098}]},{"text":"And then if it was to take a bit of a dip, would you still feel comfortable putting money in there to investing for that growth when it does rebound? Yeah. 100%.","start_word":8052,"end_word":8083,"intents":[{"intent":"Invest money","confidence_score":0.007158656}]},{"text":"Perfect.","start_word":8085,"end_word":8085,"intents":[{"intent":"Express gratitude","confidence_score":0.001075323}]},{"text":"about time in the Yeah. market.","start_word":8206,"end_word":8211,"intents":[{"intent":"Discuss time in market","confidence_score":0.0027065289}]},{"text":"And then at the moment there, you're just looking at maybe investment property down the track. But would you ever put borrowed money into things like an investment portfolio or things like that later down the track when you sort of, you know, set yourself up What do you mean quite by an investment portfolio? nicely?","start_word":8365,"end_word":8420,"intents":[{"intent":"Promote investment portfolio","confidence_score":0.0024680167}]},{"text":"Because as you do start to reduce those debt levels and you can afford to still take on that that risk of borrowed money and being able to repay those loans, you can get more by, you know, someone else's money being added on top of that, and you're just Yep. gearing for greater returns.","start_word":8620,"end_word":8674,"intents":[{"intent":"Reduce debt levels","confidence_score":0.08500025},{"intent":"Gain better returns","confidence_score":0.0036710582}]},{"text":"Now, obviously, the downside of that is if the market takes a dip, then you're still liable Yeah.","start_word":8674,"end_word":8691,"intents":[{"intent":"Understand market declines","confidence_score":0.008079217}]},{"text":"And as far when it comes to taking out a loan and things like that, you're quite comfortable with loan values and things and, like, your Yeah. your Yeah. knowledge around repaying? Yeah.","start_word":8786,"end_word":8818,"intents":[{"intent":"Understand loan values","confidence_score":0.038975567}]},{"text":"So when the markets do take those dips and bits of turns as well, you do have a portion that sits outside Yep. of that that sort of it's like your fixed interest bonds, those sort of things that generally, Yep. you know, just tick along upwards even with those market downturns as well. That gives you that a little bit of a defensive portion, if that makes sense. Yeah.","start_word":8898,"end_word":8967,"intents":[{"intent":"Use defensive assets","confidence_score":0.004038581},{"intent":"Understand market downturns","confidence_score":0.0029754292}]},{"text":"Now given that you're currently in a growth, would you be comfortable sort of going up to a high growth but maybe not all the way up to an aggressive portfolio?","start_word":8970,"end_word":9000,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.16736312}]},{"text":"Now in regards to anything that I haven't really touched on or any concerns that you may have, is there anything there that you really sort of wanted addressed in the advice piece apart from, like, you know, your general super insurances and estate planning? No.","start_word":9432,"end_word":9477,"intents":[{"intent":"Discuss topics","confidence_score":0.027336463}]},{"text":"And if I don't wanna talk to them or we're not that ready, I'll just I'll just tell them, yeah, we're just not ready. I mean, that's cool. because, generally, they'll reach out within a few days once they do it.","start_word":9683,"end_word":9723,"intents":[{"intent":"Inform and plan to reach out","confidence_score":0.0011269039}]},{"text":"So is afternoon sort of work better for you generally? Yeah.","start_word":9758,"end_word":9768,"intents":[{"intent":"Ask for availability to test","confidence_score":5.828738e-10}]},{"text":"Now within regards to that as well, are you still happy for me to transfer you through to one of my colleagues to be able to Yeah.","start_word":9870,"end_word":9896,"intents":[{"intent":"Plan to transfer to a colleague","confidence_score":0.0012883386}]},{"text":"So what I'll do is I'll pop you on a brief hold, and then I'll run through those questions. Obviously, if you haven't had, like, many injuries, things like that, it'll run quite quickly Yep.","start_word":9906,"end_word":9940,"intents":[{"intent":"Offer assistance with questions","confidence_score":0.014338258}]},{"text":"I think they are discussing about changing the fee structures a little bit to be a little bit Yep.","start_word":10248,"end_word":10266,"intents":[{"intent":"Estimate fee structure","confidence_score":0.00016194268}]},{"text":"So within regards to the the process there as well, once we sort of get you booked in, present the advice piece for you were to to come on board, that fees does cover, like, all the ongoing services there as well, which are Yep. included in the the OSA and the financial services guide as well. Yep.","start_word":10368,"end_word":10425,"intents":[{"intent":"Present advice piece","confidence_score":0.60398257},{"intent":"Review advice piece","confidence_score":0.0016327882}]},{"text":"But do you have any questions in regards to the fee apart from that or anything else?","start_word":10456,"end_word":10472,"intents":[{"intent":"Answer questions","confidence_score":0.015105755}]},{"text":"Obviously, if anything does come up, feel free to shoot us an email, give us a callback, and we can include that in the the advice piece or address any concerns you may have as well.","start_word":10648,"end_word":10683,"intents":[{"intent":"Arrange callback","confidence_score":0.025555499},{"intent":"Provide assistance","confidence_score":0.20300515}]}]},"sentiments":{"segments":[{"text":"Hi, Jesse.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.22943058609962463},{"text":"Thanks for returning my call there.","start_word":2,"end_word":7,"sentiment":"positive","sentiment_score":0.5427281856536865},{"text":"Sorry about that, man. I do apologize. No. No. That's that's perfectly fine. So, yeah, as I said, I had you booked in for that initial consultation there. Now have you worked with a financial adviser before or previously there, Jesse? No, mate. No. First time. Yep. Not a problem at all. And then sorta what was your your main purpose for sort of reaching out and just wanting to to seek financial advice? Is there anything particular on your mind? Yeah. My Supa. So a gentleman I work with suggested I give you a call and have a chat with you is because I'm with Speedbus at the moment, my Supa. I'm just not really liking how they're performing and Yep. and that sort of stuff. And then, like, told me at work told me that he reached out to you about two years ago, and he's just done pretty good work for him. And he's super sort of rising since going with your company, and I just wanted to sorta jump on the on the train as well, you know, and just sorta I'd like to better myself with my super. You know? I'd like to obviously, super is a long term game, but I'd Yeah. rather work in my favor. And and then he was telling me, like, you did some I know everybody's different, but you did some, like, a projected, like, outcome after, like, you know, six years of retirement, and it was just nearly double of what SeaBus could offer just off the statistics that he had. You know?","start_word":8,"end_word":272,"sentiment":"neutral","sentiment_score":0.05524437129497528},{"text":"So I was quite happy to ring up and just chat with you about how, yeah, Yeah. Perfect.","start_word":273,"end_word":290,"sentiment":"positive","sentiment_score":0.3946532011032105},{"text":"they possibly Net. join up in that. Great. And who was that again, sorry, that referred you on? His name is Dustin Jodlowski, but I'm not spelling his last name because I can't. Justin John what Dustin was the last name again? Jodlowski, Yep. j o d l o w s k I. Okay. Jodlowski. No. Not a problem. Yeah. Just so we're aware he referred you on.","start_word":291,"end_word":358,"sentiment":"neutral","sentiment_score":0.039494248874047226},{"text":"That's fine.","start_word":359,"end_word":360,"sentiment":"positive","sentiment_score":0.4397806227207184},{"text":"And then in regards to that, obviously, you know, super is just part of what we do there as well. And I know Yep. potentially, you were looking at sort of a range of things sort of down the track as well. But is this, like, superannuation the main thing that you wanted to address? Yeah. So and this is another thing too. Lately, in the last sort of few months, me and my wife have been considering possibly buying an investment property and then going that sort of direction as well. But then another thing too, we were looking at wondering if it's better to do it through super or maybe just use the equity from our house and and just sort of get a bit of financial planning as well, just a bit of help there. You know? Just sorta, again, make my money work a bit better, you know, for me and things we could possibly do better.","start_word":361,"end_word":521,"sentiment":"neutral","sentiment_score":0.05691789463162422},{"text":"Brilliant.","start_word":522,"end_word":522,"sentiment":"positive","sentiment_score":0.6507934331893921},{"text":"Yes. So the main thing you wanna achieve out of having a financial adviser just would be to ensure that money that you have working a bit harder for you and you just know Yeah. what sort of going on. Just get a bit more information about, like, what you can do and what you can't Yeah. do and what What the better sort option of probably because I think I'm doing stuff okay, but I yeah. Obviously, everybody could improve in things. Like, I think, oh, I sadly sacrifice a a bit of money every week, and maybe that's maybe I'm doing the right thing.","start_word":523,"end_word":628,"sentiment":"neutral","sentiment_score":-0.016394374892115593},{"text":"Maybe I'm doing the wrong thing.","start_word":629,"end_word":634,"sentiment":"negative","sentiment_score":-0.37139251828193665},{"text":"Maybe I need to take a different approach to it. You know? Just sort of getting a bit of help. You know? Mainly for the super at the minute, but, eventually, long term, we would like to look at yeah. Like I said, investing in some other stuff as well. Great. Now I will go on through and confirm a few details there just to make sure it Yeah. is all accurate there. So at the moment, you're at 22 Condor Close. I'm at 20. Condor Close. Okay. There's a bit of a time for that.","start_word":635,"end_word":730,"sentiment":"neutral","sentiment_score":0.023091169074177745},{"text":"Brilliant.","start_word":731,"end_word":731,"sentiment":"positive","sentiment_score":0.5456581711769104},{"text":"And then just the the three children at home, and you're married to your spouse currently? I am. Yes. Right.","start_word":732,"end_word":751,"sentiment":"neutral","sentiment_score":0.10636235773563384},{"text":"Obviously, you can provide the next of kin details at a later date if you were obviously happy and came on board.","start_word":752,"end_word":773,"sentiment":"positive","sentiment_score":0.4144393503665924},{"text":"It's not something we particularly need, like, at this stage unless it comes to, like, the estate planning side of things. Now, Yep. obviously, like you said, you're you're in a position where you've got a house, you've got a few assets, you know, you've got the kids in that as well. So estate planning is, Yeah. like, an important part to play within that as well. So whether or not your beneficiary forms with your new superannuation or getting a valid will put in place, Yeah. I'm those probably are all gonna do a bit of that stuff as well. You know? yep. And we can give you just some general information of a local lawyer here. Now, obviously, you're in New South Wales. You're not local to the the Gold Coast here, but it's just an information pamphlet, some general information about wills and estate planning, and the general sort of costing of that. Now Yep. you can Yep. obviously do that in conjunction with your partner. In addition to that, if you just want something in place, but you don't really wanna go through the hassle of everything, you can get, like, a post office will. They're not the most ironclad thing, but it is cheaper, normally around, like, the $50 mark. And if you fill them out sort of the best of your ability and follow the instruction, at least you've got something in place that is in writing Okay. as opposed to everyone sort of fighting at the end of the day as well because Yeah.","start_word":774,"end_word":1034,"sentiment":"neutral","sentiment_score":0.11057904362678528},{"text":"Yeah. it tends to bring out the the worst in people, Oh, unfortunately. yeah. It's a it's a necessary able with our money.","start_word":1035,"end_word":1057,"sentiment":"negative","sentiment_score":-0.4968135058879852},{"text":"That's for Exactly. sure. And then as far as your role goes there, your crane operator there, so Yeah. you're in and out of the cranes end on the sort of construction site doing the the shackling and everything as well? Yeah. Yeah. So that's yeah. Mainly so now in the last probably six months, I've been mainly driving the crane. But, yeah, I still, on the odd occasion, get out and do a bit of rigging and dogging. Yes. Mainly driving these days.","start_word":1058,"end_word":1141,"sentiment":"neutral","sentiment_score":0.027214468900291697},{"text":"So Brilliant.","start_word":1142,"end_word":1143,"sentiment":"positive","sentiment_score":0.6827224493026733},{"text":"And then in regards to that as well, are you, like, doing the at highlights work with that, or is it mainly just the drivable cranes? It's the drivable cranes. So the cranes are driver on the ground and on the road, but you the odd occasion, you will go up above 11 meters and that, but it's sorta it's sorta few and far between depending on the job. You may do it twice in a week. You may not do it for twelve months. Just depends on it's a bit hard.","start_word":1144,"end_word":1235,"sentiment":"neutral","sentiment_score":-0.01615644432604313},{"text":"This is the only thing I don't like about it. It's very hard to explain, and it's very inconsistent on job.","start_word":1236,"end_word":1256,"sentiment":"negative","sentiment_score":-0.602130651473999},{"text":"Yeah. Yeah. Because So obviously it's a bit when it hard comes for down things. to Yeah. insurance wise when looking at that as well, because you've got insurance in your current fund there currently. Now Yeah. Pretty in in average, regards though. yeah. Regards to that, your occupation and then with your height and weight, I have here you've a hundred and eighty five centimeters and a hundred and eighty five kilos. Is that correct? A hundred and eighteen. I Eighteen. don't know. A hundred Okay. eighteen. I thought yeah. I thought that was quite high. Insane that one eighteen.","start_word":1257,"end_word":1357,"sentiment":"neutral","sentiment_score":-0.033958762884140015},{"text":"Perfect.","start_word":1358,"end_word":1358,"sentiment":"positive","sentiment_score":0.4615098237991333},{"text":"Now with that mainly so obviously, originally, there, my main concern was the weight side of things.","start_word":1359,"end_word":1375,"sentiment":"neutral","sentiment_score":-0.16663028299808502},{"text":"If it was that high, it would sort of look to look at instant declines.","start_word":1376,"end_word":1390,"sentiment":"negative","sentiment_score":-0.3747589886188507},{"text":"Now in regards to that currently, it's mainly the occupation now. Now Yep.","start_word":1391,"end_word":1403,"sentiment":"neutral","sentiment_score":-0.0929151251912117},{"text":"the the risk of that and being your occupation that you do do hazardous activities, I know that may sound weird for yourself, but, you know, working at, yeah, working at heights out on the construction sites, it may come back that your occupation may be listed as, like, a worse It'll occupation.","start_word":1404,"end_word":1456,"sentiment":"negative","sentiment_score":-0.3622452914714813},{"text":"come back But as high risk straight yeah. on But, our like road. yeah. For total permanent disability and those sort of things, it means you'll get, like, an ADL definition. So with that an ADL cover, it's not the most comprehensive. It can be used in conjunction with the cover that you do have in terms of, like, popping up to get the amounts, looking if we can get IP and things like that as well. Because currently, Yeah. you've got the life in TPD, but as you said, it's not a huge amount. Now Yeah. It's just the standard.","start_word":1457,"end_word":1557,"sentiment":"neutral","sentiment_score":-0.08257456868886948},{"text":"I did not do a single thing which they bust at all. Like, in I didn't change any of the numbers or anything. I just left it in asset and forget sorting, which is pretty bad on my part.","start_word":1558,"end_word":1596,"sentiment":"negative","sentiment_score":-0.4076293110847473},{"text":"yeah. And you can look to, like, increase your cover with Cbus. You do have to do, like, a level of underwriting with them when doing the forms, and you Yep. can look at topping that up. Now within regards to that, they do, like, a small health questionnaire sort of thing in regards to that, and you can still look at increasing that level of cover. And what you do there is you still get a higher amount, but it is group cover at the end of the day. And then also with that, you restart sort of any exclusion periods you might have. So Okay. with those top ups amounts, normally, they'll maintain the previous portion of, like, the 200,000 you have and the $1.45 of the TPD. But anything above that is similar to if you went to a retail policy anyway. Whereas anything that might be preexisting that amount of cover and when that was taken out, say if you have, like, a plate put in your arm, you might end up with, like, an exclusion on a retail policy, but then that also might not be covered on that increased amount anyway even though Yep.","start_word":1597,"end_word":1796,"sentiment":"neutral","sentiment_score":-0.04386989781633019},{"text":"because the weird thing about group insurance is underwritten at the time of claim.","start_word":1797,"end_word":1810,"sentiment":"negative","sentiment_score":-0.3360772132873535},{"text":"So they won't actually tell you if you're able to claim on it for certain conditions until such time it's assessed when you come down the track to one of those conditions and paying that out potentially. Okay. Now life is life at the end of the day. The main thing that you have currently is the one forty five of total permanent disability. That if something were to occur where you've got something that previously occurred his like health wise or health history wise, it may Yes. be a claimable thing. So, generally, you wanna look at trying to keep that. Now we'll obviously do the pre assessments and see what comes back, but worst case scenario, we can look at retaining a portion of your fund in CBIZ, mainly Okay. just to keep those insurances active. And then the majority of your funds can go towards another portfolio, another superannuation Yep. that's working a bit harder for you, like you said, and potentially looking at a bit of pop up cover as well to bridge the gap for your lack of insurance with regards to IP and also under insurance with the life and TPD side of things. He must have done something similar to Dusty because I remember him saying that they took the the all of his super and left, like, 5 or $10 in his seat bus just for the insurances and purposes of it. Does Yeah. that sound And sort of like yeah. yeah. And then with that, obviously, it's not the most ideal thing having two funds in But saying you can that you find can both, can't you? If you were to get hurt or something, can't you find both funds? That's all. Yeah. Yeah. So both would pay Yeah. out. It's the same as having two policies. Obviously, Yeah. Yeah. just paying just having two funds across, like, the board. You're paying a little bit more administration fees. But with that, if you did end up with any exclusions or loadings that predate your funds existence, so when you had your fund open, the likelihood that, like, an injury would pay towards that TPD claim, it might be higher than if the retail policy with that exclusion, if that makes sense. Sort of, man. I'm sort of picking up the area. Where are you going with it? Yeah. Obviously, we'll see what the pre assessment say as well. And then if you end up with ADL cover, it's pretty harsh in terms of definition.","start_word":1811,"end_word":2233,"sentiment":"neutral","sentiment_score":-0.11267204609111692},{"text":"The good thing with that, though, is you do end up with a cheaper sort of cost and outcome with that one.","start_word":2234,"end_word":2255,"sentiment":"positive","sentiment_score":0.4848114848136902},{"text":"Yep. We'll even have a look and see what the the cost of increasing your cover looks like with Cbus and what that Yep. may sort of look like as well. Alright.","start_word":2256,"end_word":2287,"sentiment":"neutral","sentiment_score":0.13601230084896088},{"text":"Brilliant.","start_word":2288,"end_word":2288,"sentiment":"positive","sentiment_score":0.5621548891067505},{"text":"And I have here, at the moment, you're doing around the sort of ninety hour week as a max, but overall, it you're a thirty eight hour full time employee. Ninety ninety hours would be again, it's I just sort of the lady asked me sort of a range. Yep.","start_word":2289,"end_word":2338,"sentiment":"neutral","sentiment_score":0.015331420116126536},{"text":"Ninety hours would be absolutely pushing the shit out of it.","start_word":2339,"end_word":2349,"sentiment":"negative","sentiment_score":-0.6058655381202698},{"text":"I'm not really I do it on the odd occasion, but, again, it's not like more the more average I reckon would be around that forty to fifty mark, but there is weeks where and weeks and months where you will just get absolutely gangbusters with work, and you will do, obviously, a lot more hours. But, mainly, I would say an average would be close to that forty to fifty hour mark or Perfect. even between you know? Yeah. It's a bit again, it's hard to try and Narrow tell people it down because, when obviously, you are you a bit don't of have a discounted office job. Yeah. yeah. No. I completely understand. And would you know roughly what your base is if you just did your base hours, what that would be?","start_word":2350,"end_word":2484,"sentiment":"neutral","sentiment_score":-0.17020103335380554},{"text":"No. I'd have to work it out.","start_word":2485,"end_word":2491,"sentiment":"negative","sentiment_score":-0.3768702447414398},{"text":"I it again, it fluctuates because we get a few allowances and that, but I'm on I couldn't even tell you, actually. It's close to $60 an hour. And then, obviously, whatever that works, that's to be over the thirty six hours they pay us. So I I couldn't I'd have to have a look at me, basically, man. I do apologize Yeah. No. before That I it's figure not out. a huge thing because obviously, you get superannuation paid on your full salary. And then Yeah. also in regards to replacing income, if we're looking at income protection, if it's available, you probably wanna Yep. aim for that $1.30 mark just because it's what you sort of regularly getting even with the the amount of times Oh, that you're one doing. $30 a year. Yeah. Or Yeah. is it Okay. more than Yep. that? Yep. Yep. On the average, if I just did eight hours a day, it's probably around that year, I suppose. Yep. Okay. No problem. Yeah. Because, generally, you with income protection, you only could cover 70% of the income that you're earning. So say if Yep. you did a slow year where you're only doing your sort of base amount plus a little bit of overtime between that forty and fifty Yep. and earning the one thirty, Yep. you'd only be able to claim 70% of that. But if you've insured yourself for, like, $1.","start_word":2492,"end_word":2731,"sentiment":"neutral","sentiment_score":-0.021904554218053814},{"text":"50, income protection is the more expensive insurance as well.","start_word":2731,"end_word":2740,"sentiment":"negative","sentiment_score":-0.3584327697753906},{"text":"And then if Yep. you had a slow year and you're only earning one forty, you'd only actually be able to claim 70% of the one forty, and you're paying for coverage up to the one fifty, Okay. if that Four makes one sense. 50. Yep. Yep. Plus in addition to that one, given that you don't have any debts, at the moment, apart from the mortgage, it's really you're moving more towards being self insured in earlier age anyway. Like you said, Yep. if you were to take on the investment property debt and sort of refinance a little bit and sort of have more debt on the primary residence or have, you know, solely just to the investment property being interest only and not Yep. really having any down payment for that one, The the Yep. benefit is if something, you know, hits the fan, you can always sell the investment property. Obviously, it's not Yes. the most liquid, but it's a debt that you have that you can wipe off if you were to sell. Now, obviously, depending on markets, you may potentially win or lose, but we don't typically insure for that anyway because Yep. of the fact Okay. that it is a disposable asset. So you'd mainly Yep. be looking at just covering for, yeah, the debt for the resident and maybe some income replacement, you know, because you've got the young family and your partner and things like that as well. Yeah. Yeah. So given you're a bit younger, you'd probably look around Yep. that sort of seven point five to ten years maybe income replacement plus your debt offsetting, like, your super amount because you've obviously still got your Yep. superannuation that pays out if something were to happen Just as a sort of amount to to see what you, like, wanna cover for in the event that you're unable to work again, which is the main one. If you're Yep. you're gone, obviously, it's, you know, it's quite harsh and it's quite, you know, daunting to think about, but there's not an ongoing expense in regards to yourself. If you injured yourself where you can't work but you're still there, you're more of an ongoing expense and that costs more to live Yes. as well, Yep. which is the the main thing in regards to TPD that you wanna do look for in terms of, like, replacing your income for as well. Yep. Now give given that as well and given your debt, it obviously can work out to be quite a large amount. So it would work out to be, you know, upwards of that, like, around the 1,500,000. 0 worth of life in TPD, which can be sound like a quite large figure when it comes to that. Is that Yes. something you'd be looking to to cover up to? Would you feel like if the debt was gone and you only had, like, a few years income replacement, that'd be better and you'd only really wanna cover for, you know, debt plus a few years? Or have you really thought about it too much? I won't I won't lie, man. No. I haven't really thought of it like that, actually, to be honest. I I'd like to honestly, if I could cover the house because that is the most major bill, that would be good enough for me. But like you said, you'd wanna have a little bit of income protection. Is it I don't know. Is there a right or wrong way to go, really? Or I don't Not re I can't really really in terms of it. Like, obviously, you're preparing like, it's a risk mitigation tool at the end of the day. Like, there's no sort of guarantee that you're gonna kick the bucket early. So it's something Yeah. that you're you're paying for just in the event that it did happen and, like, that protection for your family. So even if you looked at, like, a flat million dollars worth of cover, that's, like, your your debts plus, like, that five sort of year maybe mark of income protection when Yeah. taking Yeah. into account your super. So with that, you know, if you're still there, it can cover costs, you know, like some ongoing schooling expenses plus medical costs and stuff for the the family. Yeah. Yeah. Yep. And then we can show you what that sort of pricing looks like. If you see that and you wanna look at potentially increasing that as well, we can sort of have that conversation. Yeah. Yeah. That's Obviously that's pretty yeah.","start_word":2741,"end_word":3514,"sentiment":"neutral","sentiment_score":-0.029737788529282085},{"text":"good.","start_word":3515,"end_word":3515,"sentiment":"positive","sentiment_score":0.42732885479927063},{"text":"Yep. Obviously, we'll take into account, like, if you're retaining things like that and not as well and what that sort of looks like. Now in regards to the income protection side of things, have you had a thought about, like, what you're sort of trying to recover for or, like, the the waiting or benefit periods of that, like, with the income protection? Yeah. No. That's no problem. No.","start_word":3516,"end_word":3585,"sentiment":"neutral","sentiment_score":0.00040012379842145103},{"text":"Completely fine.","start_word":3586,"end_word":3587,"sentiment":"positive","sentiment_score":0.35152119398117065},{"text":"So with in regards to income protection, the waiting periods for that is generally the starting is thirty days. So you'd have to be off work for thirty days before you can make a claim on income protection generally anywhere. Yeah. Now, obviously, certain sort of funds and things like that do, like, a fourteen day, but then, obviously, you see the group cover or it's quite expensive. Now you can Yep. do up to sixty and ninety day waiting periods, but given that they are cheaper, but they're less comprehensive in the sense that you've got to injure yourself or be sick to the point where you're off for maybe two months or maybe three months before Yeah. you could even make a claim at that. So thirty days is generally sort of, like, quite comprehensive. Yeah. We get income protection called u plus through our union, actually. I don't so that's the best thing ever, but it's the same. We sort of get that. If we do hurt ourselves too from work or on our way or anything, we get covered for that, actually. So I've Brilliant. sort of got it, but And what it's not really sorry. because I didn't have your EBA down here. What's the name of that if you don't mind, or is it just the one under So we're Borga with Crane? the CF yeah. We're with the CFMBU and the the comp the thing is called u plus. It's what the income it's sort of like an income protection where it's more or less like if you hurt yourself and, like, you said, you're off for a couple of months. Like, a gentleman hurt his legs, snapped his femur off a ladder, and he was off for two years, and they paid him his whole whatever it was, like, 80% of his wage for two years or something. But, yeah, our Off. EBA, we're with the CFMEU, and now I work for. But the New South Wales EBA is different than the Queensland. Why don't you look at them up?","start_word":3588,"end_word":3935,"sentiment":"neutral","sentiment_score":-0.058510725696881614},{"text":"Perfect. Yep. Brilliant. I'll have a look at that.","start_word":3936,"end_word":3944,"sentiment":"positive","sentiment_score":0.40806716680526733},{"text":"And It's all then through the spare 50. and then that carries across if you stay with that union, obviously, that benefit Yeah. as Yeah. long as So, you're yeah, working. it's it's Yeah.","start_word":3945,"end_word":3978,"sentiment":"neutral","sentiment_score":0.10036200284957886},{"text":"as long as I'm with the union, yeah, they're happy to help me.","start_word":3979,"end_word":3991,"sentiment":"positive","sentiment_score":0.37511950731277466},{"text":"I also get free ambulance from that too, obviously. If you call an ambulance, you gotta pay for it, then I'll just reimburse you. There's a few little, yeah, Right. And then with that, do you know if there's any other insurance associated with that one, or is it just the Not income protection? it's pretty much just that that I that I know of. Yeah. It wouldn't be anything else.","start_word":3992,"end_word":4062,"sentiment":"neutral","sentiment_score":0.07260778546333313},{"text":"Perfect.","start_word":4063,"end_word":4063,"sentiment":"positive","sentiment_score":0.42823779582977295},{"text":"We'll have a quick look at that as well because, Yeah. obviously, Breeze better when it comes to insurances if you're not paying Yeah. for Yeah. it. Yeah. 100%. And they're pretty Yeah.","start_word":4064,"end_word":4096,"sentiment":"neutral","sentiment_score":0.07346939295530319},{"text":"they're pretty good.","start_word":4097,"end_word":4099,"sentiment":"positive","sentiment_score":0.517503023147583},{"text":"It doesn't take much to get it. Like, a few boys have had it. The only thing is you can't claim after yeah. Once you make your claim, you can't claim that same injury again. Yeah. That's Yeah. happy. That's the the same Yeah. as most insurers Yeah. anyway in terms Yeah. of that. Exactly. Yep. And then does that cover you outside of work as well or Yeah. only So I could be doing from work. I can be at home. Yeah. It covers us pretty much. Yeah. The gentleman that snapped his leg, it was a Sunday, and he was climbing up the ladder, and he fell off it, and they covered him. Yeah.","start_word":4100,"end_word":4215,"sentiment":"neutral","sentiment_score":0.01849685050547123},{"text":"brilliant.","start_word":4216,"end_word":4216,"sentiment":"positive","sentiment_score":0.3964569568634033},{"text":"Yeah. So it sounds like it is quite, like, comprehensive in that sense. Yeah. It may It's only pretty be good. a two year benefit period. Been saying that we'll find out that information and let you know anyway when we do the Yep. research into that. Yep. So we'll mainly look at the life and TPD. Now the other insurance there is trauma cover. Now trauma cover is like an out of pocket cost that covers an event for things like heart attack, strokes, those sort of events that you're not maybe sort of able to claim on an income protection policy or may not be total permanent disability, but you may still want some time off work to deal with those injuries, sicknesses, those sort of things. Because if you Alright. have a heart attack, you may only be off for, you know, a couple weeks and still have to go back to work, but you may wanna take a few months just to, you Yeah. know, Yeah. rec recoup. So it is a lump sum benefit that generally pays out on the event of those traumatic types events. It's different with each sort of policy. The main ones are certain types of cancers, strokes, heart attacks, those sort of things. And then, generally, you cover for about a year's worth of income or, like, you know, just flat figures. So whether or not it's, like, a 100,000 and you pay for that out of pocket in the auto chance that one of those events do occur. And then that just means that you just have the added lecture layer of protection. And it is one of the more claimed on insurances actually as well. Yeah. Right. I I was sort of thinking, Ben, I know other tax strikes can happen to anybody, but I was just thinking Ben, 33.","start_word":4217,"end_word":4528,"sentiment":"neutral","sentiment_score":0.01869254660171767},{"text":"It's really not well, I don't know if I'll get that, to be honest, man.","start_word":4529,"end_word":4543,"sentiment":"negative","sentiment_score":-0.35479190945625305},{"text":"I don't I can Yeah. No. It's perfectly fine. Like, the options are there. We can sort of show you what it looks like cost wise, yeah. and then you can just say yes or no when Yeah. it I'm happy comes to say it all cost wise, man, if you could send it.","start_word":4544,"end_word":4597,"sentiment":"neutral","sentiment_score":0.10218081623315813},{"text":"Like, yeah, that'd be the best.","start_word":4598,"end_word":4603,"sentiment":"positive","sentiment_score":0.35295191407203674},{"text":"And then I can discuss it with me with me wife, see what she thinks as well, you know, down because to it's it. obviously Yeah. for both No of us, problem. really. Yeah. We'll include it in the advice document. And then that way, when it comes down to accepting it, yes or no, you just basically say, I don't wanna proceed with the trauma side of things Yeah. Yeah. anyway. Okay.","start_word":4604,"end_word":4676,"sentiment":"neutral","sentiment_score":0.13322793529049992},{"text":"And then, yeah, that way you've got it in the document. You can see the, like, advantages and that of of it having it as well and just seeing what that looks like and making an informed decision there. Brilliant. Yep.","start_word":4677,"end_word":4717,"sentiment":"positive","sentiment_score":0.4347674548625946},{"text":"In regards to your salary sacrifice there as well, you're doing the 5% weekly at the moment. Are you looking Yeah. at changing that at all? Are you happy with that amount? Or I I personally like the amount, but I just wasn't sure. Again, look, I think I'm doing the right thing, but I don't know. Is that, like, I don't know if it's a smart way to go about it. I was just trying to do most years, I can put close to my $30 a year total including four just plus salary sacrifice from my 5%.","start_word":4718,"end_word":4816,"sentiment":"neutral","sentiment_score":0.0784262865781784},{"text":"I just thought it was a good idea.","start_word":4817,"end_word":4824,"sentiment":"positive","sentiment_score":0.5319420695304871},{"text":"And, Dustin's the guy that told me to do that years and years ago, actually, Yep. and I just sort of let set and forget the same thing. I've just been doing it for a few years now. Just let it let it do its thing. But I Yep. don't actually know. I'm happy I'm happy with it, but I don't know if it's the right way to go or the wrong way to go or because I know some people do after tax contributions, so they get a bit more back on tax. It's like there's obviously many ways to skin the cat. But, yeah, I'm quite happy with it. If if you think it's a sort of half smart idea Yeah. So there's a few ways to think about, like, contributing more to super. Like, obviously, you're on the younger side of things. So the biggest disadvantage there is you can't access it until you hit 60, like a Yeah. major condition of release or something does happen.","start_word":4825,"end_word":4994,"sentiment":"neutral","sentiment_score":-0.055716175585985184},{"text":"But given that it's, like, 5% and you're on a pretty good wicket and, you know, you you don't have a huge amount of debt and you're not looking at doing any sort of other investments currently, it's a good way to get your super growing and compounding early. And in that way, you get a bit of a head start.","start_word":4995,"end_word":5055,"sentiment":"positive","sentiment_score":0.45334550738334656},{"text":"It's a lot harder to, like, sort of chase it towards the end Yeah. Yes.","start_word":5056,"end_word":5070,"sentiment":"neutral","sentiment_score":-0.20849445462226868},{"text":"because a dollar invested today is obviously better than a dollar sort of invested tomorrow. You've got it there working harder for you now as opposed Yep.","start_word":5071,"end_word":5097,"sentiment":"positive","sentiment_score":0.3755371570587158},{"text":"to trying to chase it at the back end. Yep.","start_word":5098,"end_word":5107,"sentiment":"neutral","sentiment_score":0.13983428478240967},{"text":"If you can afford to do it, it's never sort of a bad thing.","start_word":5108,"end_word":5121,"sentiment":"positive","sentiment_score":0.4627453684806824},{"text":"And then if you're sort of mindful that you're not exceeding those 30,000 concessional, Yeah. I've that's never the I've got close, but I've never gone over yet. yeah. And then the other thing to be mindful of as well, obviously, you're not really close to it yet, but the, you know, the div two nine six that they're bringing out where they might tax you more if your super goes over 3,000,000. Now because of your your age and if you do sort of hit that 30,000 each year, you know, up until retirement, you may be getting quite close if it your super is performing quite well, which is something Okay. to be mindful of. But in the the shorter term now, you can get a bit of a head start on your your superannuation. And then sort of once you look at that property down the the track and maybe adjusting your cash flow and things like that, then you can look at maybe changing it to where you're putting your investment somewhere else. Because at the moment, if you're taking home that pay anyway, it's probably just gonna either go towards the mortgage and offset that, or it's just gonna sit cash in the bank or you'll end up spending it anyway. Well, the way I always got told when I was younger was it's better off putting it in the super on the off chance that the market dies in the ass and, you know, it goes to shit, but better than giving it to the tax man. That's why I sort of started doing it. And the other reason too was my partner or my wife, she's been off work for six years now, five years because we've obviously Yeah. got kids. She hasn't been contributing no super no nothing. So my theory was if Paul just put in, let's say, $15 and I'll put in $15, I'm obviously looking at the big picture here. But if Yep. if we do last and we do retire, then I'm putting in enough to cover her and the years that she's been off. Now that's why, again, that's where I say, like, I think I'm doing the right thing, but it may not be the right way to go about it. But in my head, it seemed smart, you know, to yeah. And, also, it's Yep. only gonna benefit us in the long run eventually. So whether I die or whether I retire with it, And is you know, is it's your partner only still gonna currently off benefit work as us well? really. Yeah. Yeah. She's just staying home. I'm pretty much in it's because of the job I do.","start_word":5122,"end_word":5576,"sentiment":"neutral","sentiment_score":-0.03950432948358766},{"text":"She it's very inconsistent.","start_word":5577,"end_word":5580,"sentiment":"negative","sentiment_score":-0.4274634122848511},{"text":"Like, today, I'm getting home late because just just how it was. You know?","start_word":5581,"end_word":5594,"sentiment":"neutral","sentiment_score":-0.22214607894420624},{"text":"So she really has no plan and more work, unfortunately.","start_word":5595,"end_word":5604,"sentiment":"negative","sentiment_score":-0.4702368974685669},{"text":"Yeah. Okay. Because within regards to that as well, you can look at doing spousal contributions to your spouse's fund as well and then being Yes. able to claim an eligible deduction for that when it comes to your taxes as well. Now Okay. it's not like the the biggest amount. So if you wanted to contribute, like, say, $3,000 to her superannuation fund, then when it comes to to tax time there, you can look at getting a tax offset for that money you've contributed towards her superannuation there as well as opposed Okay. to just letting it sit idle. And it's up to 5 Yep. $140 that you can sort of claim as a tax offset is, like, the maximum amount. So it's not a huge amount in terms of, like, what you do get back, but it's a way if you wanted to grow her superannuation as well or if you're happy just doing it towards your own where you get your own sort of 15%. Yeah. I thought doing it online because, obviously, I've got the more money there. It might be a bit better than compiling, you know, eventually, I haven't used. That's what I thought. Yeah. It does compound a lot better when you just Yeah. sort Yeah. of have the the higher amounts in the the one fund there as well. Obviously, if she plans on returning to work, things like that, Yeah. that's obviously things to think about. But, yeah, if you're happy just doing it to yours and then, obviously, when it comes down to splitting it when you sort of retire and then breaking it Yeah. down Yeah.","start_word":5605,"end_word":5882,"sentiment":"neutral","sentiment_score":0.1840429533835795},{"text":"that way, that's fine as well. Yep. Brilliant.","start_word":5883,"end_word":5890,"sentiment":"positive","sentiment_score":0.4186946451663971},{"text":"And then as far as assets and liabilities here, I don't I just got the house, the two cars. But do you have, like, a bit of a savings built up as well? Or All our savings is technically in our offset, but, yeah, we got about just shy of $60.","start_word":5891,"end_word":5941,"sentiment":"neutral","sentiment_score":0.10108432918787004},{"text":"perfect. All our all our savings just fits in our offset, obviously, to bring the tax pool or the to to bring the interest down on the home loan.","start_word":5942,"end_word":5970,"sentiment":"positive","sentiment_score":0.36894893646240234},{"text":"But, yeah, we've got just just shy of about $60 Yeah. Because getting given in the those like, obviously, I'm not a mortgage broker, but given the, like, the loan to to debt ratio you've got there and that savings as well.","start_word":5971,"end_word":6012,"sentiment":"neutral","sentiment_score":0.12845613062381744},{"text":"Now the good thing savings.","start_word":6013,"end_word":6017,"sentiment":"positive","sentiment_score":0.3681727051734924},{"text":"at the moment with in regards to investment properties in Australia, even though they're talking about maybe changing the capital gains rules with it, investment Yes. properties, you still get to offset a 100% of the interest earned on investment properties or investments within Australia. So in saying that, you're more than in a position Yeah. that you could get referred on to, like, one of our mortgage broker partners to have a conversation around an investment property as well. So that mortgage brokers Yeah. are paid, like, through the institutions they work with, so they have their own separate thing. They're just trusted partners that we could pass you along to just even have the conversation. Yeah. We got Because a mortgage broker for this house. Yeah. oh, okay. Yeah.","start_word":6018,"end_word":6148,"sentiment":"neutral","sentiment_score":0.13316404557865086},{"text":"Great.","start_word":6149,"end_word":6149,"sentiment":"positive","sentiment_score":0.5553938150405884},{"text":"Would you go back through them or would you wanna sort of be referred on to one of the The people? the the gentleman doesn't do it anymore, so we would have to find someone eventually if the time comes to it. Yeah. The gentleman that did that doesn't do it anymore. He's always moving on to other things. But, yeah, definitely, it seems like the way to go. Yep.","start_word":6150,"end_word":6219,"sentiment":"neutral","sentiment_score":-0.042493078857660294},{"text":"Because I can even just, like, pass your details along to them as well just to have a conversation, see what that might look like, and see Yes.","start_word":6220,"end_word":6247,"sentiment":"positive","sentiment_score":0.3508383333683014},{"text":"if you're willing to do it or just have a conversation and then sort of set yourself up potentially as well at Yes. a later point. Because, you know, given that you've only got that, the next sort of step is either sort of looking at another investment maybe outside of super whether that is property or maybe sort of like an investment bond and IDPS or things Yes. like that. Given that, you know, given your ages and the the amount of debt you're paying off, you can build your wealth faster through other people's money. So Yep.","start_word":6248,"end_word":6346,"sentiment":"neutral","sentiment_score":0.1917089968919754},{"text":"borrowed money, you can obviously you take on the risk of borrowed money, but you're able to get higher returns and have greater assets that can get Yeah.","start_word":6347,"end_word":6374,"sentiment":"positive","sentiment_score":0.3381361663341522},{"text":"you those whether or not that's like an investment portfolio, another investment property, things like that as well because you've Yep.","start_word":6375,"end_word":6395,"sentiment":"neutral","sentiment_score":0.2067314386367798},{"text":"already got the primary residence, and you'll more than likely have that paid off a lot sooner than your retirement ages as well.","start_word":6396,"end_word":6418,"sentiment":"positive","sentiment_score":0.35027793049812317},{"text":"Yep. So I can pass your details along to them, and they can sort of just reach out and have a conversation about that as well. Even if Yep. you don't go with us or not, you can still use their service. Same sort of thing goes. If you don't wanna go through them, you can always sort of still go through with us, and then we've even got a few other partners that we can refer you on to if you just don't like the person as well. Yep. No problem. And then with in regards to your your health there, I know you're taking the blood pressure tablets at the moment. Is there any other sort of health conditions that you've had previously? Any surgeries, things like that No. Not in the last five in or the 10. last sort No. of five to ten years? Few broken bones as a kid, but that's sort of about it. Ah, man.","start_word":6419,"end_word":6580,"sentiment":"neutral","sentiment_score":-0.004554116109639038},{"text":"The worst I got was an appendix yet, to be honest.","start_word":6581,"end_word":6591,"sentiment":"negative","sentiment_score":-0.43857359886169434},{"text":"When I was 11, that was, yeah, but that was a long time ago. Yep. Not a problem. Because with that one, we obviously do that pre assessment process now. How much sort of time I don't wanna take up too much of your afternoon because we can do it now. We can okay.","start_word":6592,"end_word":6645,"sentiment":"neutral","sentiment_score":-0.11380164325237274},{"text":"Brilliant.","start_word":6646,"end_word":6646,"sentiment":"positive","sentiment_score":0.578166127204895},{"text":"Because after this phone call, I can transfer you through to one of my colleagues, and they can go through that pre assessment process. They ask a little bit more about your work. In addition to that, they do a bit about family history and then your own history. And then Yep. any conditions that do come up, so they might mention the appendix and just write a little few things down. We send those Yeah. off to the insurer just to see how they'll rate you in terms of, like, risk and your sort of medical history to get the terms back. Now the main thing there generally is probably just gonna be the occupation, but, obviously, we'll just wait and see how they they rate you as well. Yep. Not a problem. And this is a bit of a random question there as well. Now you're not politically exposed person at all. You don't have any family and politics. You haven't taken up the the cloak or anything? Okay. Great. And then Sorry. I shouldn't laugh. It's the just yeah. It's just I didn't know yeah. what direction you're going at. Could It's be it's yeah. the anti money laundering, funnily enough, because obviously Yeah. Right. politicians deal with, you know, they can have, you know, lump sums that come in, and then we've got to find out where that comes from. That in addition to, yeah, the fact that more people are more inclined to have more details on a political person Yes. that they might call Yep. up, try and impersonate, or steal their money. Yep. No. No. No. Political As long affiliation as to you. yeah. Brilliant. And then you're not a tax resident for anywhere else but Australia? No. I don't hear about it. Right. And as far as goals that you're working towards, obviously, you wanna review the the super, make sure that that's working harder for you there. Just touch Yeah. on insurances and see, you know, if you can get more adequate cover for where you're at in life. And then Yep. maybe the investment property or another investment down the track, but are there any other goals that you're working towards at the moment? Just no. Not really, man. This doesn't sort of yeah. Like I said, just making the money work for me. Looking at possibly doing something with the money that we do have to make it obviously better. And then other than that, they're not really just just working and doing my thing. Perfect. Right. A little bit of a boring life. Looks, keep it simple, stupid. You know, if you're It's happy simple as easy. yeah. Don't make it harder on yourself. Life's hard enough. Exactly, man.","start_word":6647,"end_word":7107,"sentiment":"neutral","sentiment_score":-0.03166193365161822},{"text":"That's why I like it. Brilliant.","start_word":7108,"end_word":7113,"sentiment":"positive","sentiment_score":0.38766002655029297},{"text":"And I will run through a quick risk profile questionnaire just to gauge where you sort of at with risk. Now your current portfolio is in a growth. Now I'm not too sure how much you sort of looked into it or not, but a growth is roughly around, like, an eighty twenty split or at least that's how we gauge it. Sebas with the portfolio in, I think it's closer to, like, a seventy five twenty five sort of split in Yeah. terms of, like, the Okay. growth assets versus defensive. Yep. So I'll run through these questions and see how you sort of come out in regards to risk and see where we might end up placing you in terms of that to be out of, you know, get those returns and what that sort of looks Yep. like. Now would you consider yourself a bit of a risk taker? You know, do you have a punt occasionally? Do you I take the odd occasional risk? suppose. Yeah. Yeah. You wouldn't consider yourself like a very high risk taker or anything like that? You're not gambling large No. amounts No. of You're money okay. or things like that? No. The other occasion you'd have a have a go, but, no, not really too consistent.","start_word":7114,"end_word":7329,"sentiment":"neutral","sentiment_score":0.024144129232606955},{"text":"Perfect.","start_word":7330,"end_word":7330,"sentiment":"positive","sentiment_score":0.5478947162628174},{"text":"And then in regards to investment markets, obviously, you're aware of sort of how they work. But other than that, you're sort of out of sight, out of mind, you're not to sort of invest in it? You don't sort of pay too much attention? I just I never really gave too too much of a thought when I was a bit younger, but now I'm getting a little bit older. I'm sort of a bit more, like, interested in it, like, per se hence why yeah. So I would say I'm a little bit more interested than what I was, obviously, when I was younger. Bit more inclined to pay attention when the news is on when they're Yeah. mentioning Yeah. the markets and what's going on. Yeah. Not like I'm not turning me all attention to it, but I'm I'm sorta, like, listening a lot more and and, yeah, paying a little bit more attention to things. Yeah. Right? So you're aware, like, when the markets are sort of fluctuating, when the ups and downs, it's pretty hard Yeah. to Just miss, you know, from when what a bomb's you're hearing going on off. the news. But Yeah. Yeah. Exactly. Yeah. yeah. Yeah.","start_word":7331,"end_word":7535,"sentiment":"neutral","sentiment_score":-0.046284254640340805},{"text":"Completely understand.","start_word":7536,"end_word":7537,"sentiment":"positive","sentiment_score":0.3492044508457184},{"text":"And then with in regards to investments previously, have you sort of taken on any risk within shares, things like that, or any sort of other market risks I apart bought a crypto from like a few years yeah. ago. That's about as risky as it got for Yeah. And would you say me. you learn the sort of risk reward with that? Did it go up? Did it go down? Yeah. Yeah. Sure. Yeah. Once it all happened, yeah, what's the on the lows and the crying and the or the whole log. And then with investments now, obviously, you can't access super for quite a long period. But with other investments, you're still, like, sort of trying to build that wealth. You're not looking at access investments. You're trying to, you know, grow it for the long term. Yeah. Yeah. Exactly. Yep.","start_word":7538,"end_word":7681,"sentiment":"neutral","sentiment_score":-0.037351686507463455},{"text":"Perfect.","start_word":7682,"end_word":7682,"sentiment":"positive","sentiment_score":0.42035651206970215},{"text":"And then with inflation, obviously, things get a bit more expensive at the time. You probably realize that more than most with the kids and the cost of living. Yeah. Yeah. But would you say you're willing to take on a higher amount of risk to try and outpace the inflation and make sure your money is actually growing and not just sort of devaluing? Yeah. Yeah. Yeah. Perfect. And then if your investment was to go the ups and the downs like your crypto there, how much would it have to sort of fluctuate before you got concerned? Like, if it dropped by 25%, would you sort of be, you know, up in arms or, are you quite comfortable given Uh-huh. those level of fluctuations? That's sort of not too bad because I understand, like, the market fluctuates, so it's not really that big of a thing. I mean, it'd be a bit bad if I lost it all, but what do you do there? Like, not much I can do about it if it does have. But, yeah, like, 25% isn't that much, especially at the minute, but, like, obviously, towards the older, I get the more money that does compile in there would be I'd obviously change it. But, yeah, at the moment, yeah, I'm happy with, you know, running that risk sort of thing. Yeah.","start_word":7683,"end_word":7911,"sentiment":"neutral","sentiment_score":-0.01793777570128441},{"text":"Exactly. And the good thing about, like, yourself is that you've got the time on your side to be able to recoup Yeah.","start_word":7912,"end_word":7934,"sentiment":"positive","sentiment_score":0.5528324842453003},{"text":"those That's sort of what dips I'm in hoping the market. And you're able to to take on a little bit more risk now as opposed to later, especially do. when you're contributing more heavily. You know, you Yeah. take on that level of risk, invest a little bit harder to get those higher returns. Obviously, if you're in a fund Yes. like KeyBass where you're not sort of getting the the rewards and benefit of that at the moment, it can be Yep. a little bit sort of disheartening, but we can sort of look to put you in a position that might sort of yield better better returns there for you as well. Yep. And then if it was to take a bit of a dip, would you still feel comfortable putting money in there to investing for that growth when it does rebound? Yeah. 100%. Yeah.","start_word":7935,"end_word":8083,"sentiment":"neutral","sentiment_score":0.1550178825855255},{"text":"Perfect.","start_word":8084,"end_word":8084,"sentiment":"positive","sentiment_score":0.5290306806564331},{"text":"Because obviously, you know, we consider it a bit of a file sale, especially for, like, younger people when markets do take a bit of a a drop because you're not looking at selling out anyway. And then if anything, you're buying more for less at that current Yeah. time 100 for percent. when it does return.","start_word":8085,"end_word":8141,"sentiment":"neutral","sentiment_score":0.1058860644698143},{"text":"That's oh, just we got lucky. That's how we bought this house where we are now.","start_word":8142,"end_word":8157,"sentiment":"positive","sentiment_score":0.412229061126709},{"text":"Now the the banks weren't lending money. Now I wanted to buy.","start_word":8158,"end_word":8169,"sentiment":"neutral","sentiment_score":0.08077215403318405},{"text":"We got it for a steal.","start_word":8170,"end_word":8175,"sentiment":"positive","sentiment_score":0.4289337396621704},{"text":"Yep. It Right. was Yes. the the best way to pay. Sometimes you you just get in at the right time, and you don't have to Yeah. worry Exactly. about time in the Yeah. market. A 100 It just percent.","start_word":8176,"end_word":8215,"sentiment":"neutral","sentiment_score":0.21334485709667209},{"text":"works out And for you.","start_word":8216,"end_word":8220,"sentiment":"positive","sentiment_score":0.4086431860923767},{"text":"that's the thing. The other thing too, man, I look at it as, like, I know I'm not that young, but I like I do have time on me, so I like you saying.","start_word":8221,"end_word":8254,"sentiment":"neutral","sentiment_score":0.249737411737442},{"text":"So you can always it can always bounce back.","start_word":8255,"end_word":8263,"sentiment":"positive","sentiment_score":0.41576823592185974},{"text":"Because even though I was super in the ass a little bit with COVID and all that carry on, but but it's already you know, bounces back. It just fluctuates just how it's gonna be. But Yeah.","start_word":8264,"end_word":8300,"sentiment":"neutral","sentiment_score":0.15852713584899902},{"text":"I'd much rather try and invest the more money now rather than yeah. And then I don't have to worry about it later. And like you said, a dollar today rather than a dollar tomorrow. Exactly. And giving you in a good position with the house and how much that's increased in value. You're Yeah. in a good spot there as well. Perfect.","start_word":8301,"end_word":8363,"sentiment":"positive","sentiment_score":0.5175185203552246},{"text":"And then at the moment there, you're just looking at maybe investment property down the track. But would you ever put borrowed money into things like an investment portfolio or things like that later down the track when you sort of, you know, set yourself up What do you mean quite by an investment portfolio? nicely? So as in, Sorry, man. like, I've been a if bit of you've a dumbass. no. That's perfectly fine. So if you say, you know, had your investment property and had your primary residence that was largely debt free, if you were to sort of withdraw back on that maybe or take out a loan, given that you've got equity and other assets there for, like, a 200,000 and then putting that into a share portfolio, much like superannuation, but, like, outside superannuation so that you've got a different type of investment and you're using that borrowed money to leverage against shares, just not against property. I mean, I've it sounds good.","start_word":8364,"end_word":8531,"sentiment":"neutral","sentiment_score":0.05474918708205223},{"text":"I'd love to do it.","start_word":8532,"end_word":8536,"sentiment":"positive","sentiment_score":0.3341567814350128},{"text":"I'm not really that savvy, though. I won't lie, but I yeah. It sounds good. Yeah. Obviously, it's one of the, like, the later things of, like, branching out when Yeah. it terms Yeah. it comes towards, like, your financial thing. Generally, it's like, you know, get yourself set up, maybe have a a small investment, but mainly look towards, like, getting a primary residence or having that investment property and then Yep. looking at branching out from that. You know?","start_word":8537,"end_word":8617,"sentiment":"neutral","sentiment_score":0.06032934784889221},{"text":"Because as you do start to reduce those debt levels and you can afford to still take on that that risk of borrowed money and being able to repay those loans, you can get more by, you know, someone else's money being added on top of that, and you're just Yep. gearing for greater returns.","start_word":8618,"end_word":8672,"sentiment":"positive","sentiment_score":0.47922325134277344},{"text":"Now, obviously, the downside of that is if the market takes a dip, then you're still liable Yeah.","start_word":8673,"end_word":8690,"sentiment":"negative","sentiment_score":-0.3439076840877533},{"text":"for the loans that are taken out for those investments. But if you're Yeah. still investing for, like, a longer term period and that you've still got that time on your side, and as long as you're not doing it to invest in, like, Bitcoin or something like that where it can just drop by, you know, a 130 Yeah. percent in a a couple of months, you know, generally, you're a little bit more cautious with those types investments as well and what you're actually putting into much like Yeah. property. Yep.","start_word":8691,"end_word":8783,"sentiment":"neutral","sentiment_score":-0.08139775693416595},{"text":"Perfect.","start_word":8784,"end_word":8784,"sentiment":"positive","sentiment_score":0.5456011295318604},{"text":"And as far when it comes to taking out a loan and things like that, you're quite comfortable with loan values and things and, like, your Yeah. your Yeah. knowledge around repaying? Yeah. Yep.","start_word":8785,"end_word":8818,"sentiment":"neutral","sentiment_score":0.2075953185558319},{"text":"Perfect.","start_word":8819,"end_word":8819,"sentiment":"positive","sentiment_score":0.48251253366470337},{"text":"Now with that, you have come out on the more aggressive side of things in terms of, like, being able to take on that level of risk. Now with that as well, you're, like, right on the cuff. So you're right around for that high growth to aggressive mark. Now aggressive's anywhere up until, like, a 100 invested, whereas the high growth is sitting more around that ninety ten split where you still carry some defensive assets. So when the markets do take those dips and bits of turns as well, you do have a portion that sits outside Yep. of that that sort of it's like your fixed interest bonds, those sort of things that generally, Yep. you know, just tick along upwards even with those market downturns as well. That gives you that a little bit of a defensive portion, if that makes sense. Yeah. Yeah. Now given that you're currently in a growth, would you be comfortable sort of going up to a high growth but maybe not all the way up to an aggressive portfolio? I'd be happy with high growth. Yeah. Yeah. It's I just sort always of thought a bit that yeah. That what like, that 80%, eighty twenty would be not a bad split, I think. You know? so even the growth, you'd feel more comfortable being in like that having a bit more defensive assets. Yeah. Like that high growth what you said. Yeah. So high growth is around the $90.10 and then growth is around the eighty twenty, which is what you're Oh, currently sorry, in there. man. No. That's Oh, fine. yeah. No. Well, I'm happily I'm happy to go the higher risk at the minute or the higher one, like, the 90 tens. But, again, Yep. while I'm younger and I'm investing, it it seems like yeah.","start_word":8820,"end_word":9127,"sentiment":"neutral","sentiment_score":0.1405504744548302},{"text":"I was happy to go, yeah, I'm happy as with the $90.","start_word":9128,"end_word":9139,"sentiment":"positive","sentiment_score":0.45064443349838257},{"text":"10. It's not a bad thing because as I said, I'm putting a bit extra money in and work a bit harder now. And then, obviously, later down the track, I don't have to be as aggressive with it. You Yeah. know? Exactly. Like, you could take on the the aggressive if you wanted to, which is like a 100%, but you get a lot Yeah. more fluctuation with that. And given that Yeah. you're The not 90<unk> sort good, man. I think that's a good split. of yeah. Because it's like it's not only yours at the end of the day there as well. You sort of take into consideration your partner and so is someone else as well. Like, even though it's solely Yeah. your superannuation, even though you're comfortable with it, you know, your partner might be comfortable with a 100% Yeah. investment Yeah. and things like that as well. So ninety, ten, you still have plenty of time. You know, you've got twenty seven years until you can touch it for meeting those conditions of release. So Yep.","start_word":9139,"end_word":9321,"sentiment":"neutral","sentiment_score":0.12101826816797256},{"text":"that gives you more than enough time because it's around that seven to ten years split that you're looking at or time horizon to hold those sort of investments for those average Yep. returns, and you've got that nearly, like, three times over. Yep. So even if you do it for ten years and you get a nice return, you wanna look at dialing it back then or same sort of thing.","start_word":9321,"end_word":9392,"sentiment":"positive","sentiment_score":0.41605958342552185},{"text":"You can hold it all the way up until, like, you know, the age of 55 before you really start to look at maybe reducing Yeah. Yeah. a risk profile as well and things like that.","start_word":9393,"end_word":9428,"sentiment":"neutral","sentiment_score":0.17444086074829102},{"text":"Yep. Perfect.","start_word":9429,"end_word":9430,"sentiment":"positive","sentiment_score":0.6506230235099792},{"text":"Now in regards to anything that I haven't really touched on or any concerns that you may have, is there anything there that you really sort of wanted addressed in the advice piece apart from, like, you know, your general super insurances and estate planning? No. Not really, man. It's pretty much covered.","start_word":9431,"end_word":9483,"sentiment":"neutral","sentiment_score":0.13223804533481598},{"text":"That's exactly what I run for. It was exactly that.","start_word":9484,"end_word":9493,"sentiment":"positive","sentiment_score":0.4884294867515564},{"text":"And then just to see I I just sort of wanted to get the ball rolling a little bit just to see, you know, like, get it sort of slowly moving. And then as it as it as the days go on, sort of, like, work out which direction we wanna go. Yeah. The main thing was the super and just trying to sort that out. And then, obviously, later on down the track, we'd be obviously looking at other things to do, like investing in that. You know? Yeah. Not a problem at all. And then with that, did you want sort of the referrals still to the the broker there just to have that conversation sort of You more can recently? send it through, man. Or 100%. I don't mind. I'm gonna I'm gonna go inside when we're done this conversation and talk to me with my wife, obviously, and and put it in front of her what's been said and what you're sort of, like, offering. You know? yeah. But, And yeah, then by it's all saying means, you that can put us through. And if I don't wanna talk to them or we're not that ready, I'll just I'll just tell them, yeah, we're just not ready. I mean, that's cool.","start_word":9494,"end_word":9708,"sentiment":"neutral","sentiment_score":0.12701379739960958},{"text":"because, generally, they'll reach out within a few days once they do it. So I just give them that your general information, sort of what you're looking forward.","start_word":9709,"end_word":9736,"sentiment":"positive","sentiment_score":0.4646366536617279},{"text":"So just ship an email and then, like, a phone number and when you sort of generally, you know, available. So is afternoon sort of work better for you generally? Yeah. I prefer as late as possible, man. Just because with work. Unless I've got a day off, it's just hard with work because I don't know what I'm doing from day to day. You know? Yep. No problem.","start_word":9737,"end_word":9805,"sentiment":"neutral","sentiment_score":0.0269817765802145},{"text":"They're pretty good in the sense that they'll reach out.","start_word":9806,"end_word":9815,"sentiment":"positive","sentiment_score":0.39256420731544495},{"text":"They'll shoot you an email. If you feel like you don't Yeah. wanna Sweet. have a chat or you're not up to it, then same sort of thing. And if you just tell them, like, give us a few months, we'll reach back out, they're they're pretty Yeah. Yeah. flexible as well. Yep. Now within regards to that as well, are you still happy for me to transfer you through to one of my colleagues to be able to Yeah. do 100 that percent that, Chris? there.","start_word":9816,"end_word":9902,"sentiment":"neutral","sentiment_score":0.12289560586214066},{"text":"Yeah. Perfect.","start_word":9903,"end_word":9904,"sentiment":"positive","sentiment_score":0.41590189933776855},{"text":"So what I'll do is I'll pop you on a brief hold, and then I'll run through those questions. Obviously, if you haven't had, like, many injuries, things like that, it'll run quite quickly Yep. in terms of that. And then I'll just get through as quick as possible, and we'll get those sent off to the insurers just to see what they'll rate you at. And then they'll Yep. even book in a time, maybe not next week, but the week after just to be able to run through everything.","start_word":9905,"end_word":9995,"sentiment":"neutral","sentiment_score":0.2547503709793091},{"text":"And like I said, you won't get charged until you're sort of happy with the advice.","start_word":9996,"end_word":10011,"sentiment":"positive","sentiment_score":0.34940168261528015},{"text":"All this is complimentary up until the point of signing, and you'll Yep. know all the fees and everything that you do get charged. So at the moment, it's 1.65 ongoing with an upfront fee as well for the initial advice piece. Now this will all be disclosed in the advice piece, and I'll go through it a little bit more in-depth in terms of those costs.","start_word":10012,"end_word":10078,"sentiment":"neutral","sentiment_score":0.08185692014756488},{"text":"The good thing about Yep. the upfront is it's never charged again, and then the ongoing is just the ongoing management, and you get the benefits Yep. of being an ongoing client, updated advice, your 12 monthly reviews, things like that, or you can have, like, quarterly, bi yearly, things like that as well.","start_word":10079,"end_word":10132,"sentiment":"positive","sentiment_score":0.4555508196353912},{"text":"Can I ask? It's You said 1.5 percentager? 1.65% ongoing. The balance Is is that under management. it obviously all comes out of the super, doesn't it? That's Yeah. sort of what I was under understanding.","start_word":10133,"end_word":10168,"sentiment":"neutral","sentiment_score":-0.023431144654750824},{"text":"Now it sounds really dumb.","start_word":10169,"end_word":10173,"sentiment":"negative","sentiment_score":-0.35039982199668884},{"text":"Do you get is it 1 0.65 off the profit of the super or just the entire super coverage? It's based on the balance under management. So, yeah, the entire Yeah. sort of balance. And, obviously, as Yeah. it That's grows cool. that No dramas, yeah. man. It is capped at the moment at 600,000 there as well. So, you know, if you got to a point, it may change in the future. I think they are discussing about changing the fee structures a little bit to be a little bit Yep. more sort of fair for, like, higher balance, lower balances, things like that. But that's the way it's currently at, and it's charged, like, monthly in the sense that it's a dollar cost averages. So as the markets go up and down, you sort of the fee goes up and down with that and how your superannuation is performing. Yep. Yeah.","start_word":10174,"end_word":10326,"sentiment":"neutral","sentiment_score":0.016202153638005257},{"text":"That's cool.","start_word":10327,"end_word":10328,"sentiment":"positive","sentiment_score":0.5084180235862732},{"text":"So I was just seeing if someone's available for the pre assessment there that's around me. It's alright. Yep. Sorry. Just a final Yeah, liaison man. while I'm on the phone sort of half on hold. Yeah. So within regards to the the process there as well, once we sort of get you booked in, present the advice piece for you were to to come on board, that fees does cover, like, all the ongoing services there as well, which are Yep. included in the the OSA and the financial services guide as well. Yep. And then yeah. So that's all included in that plus, like, the liaison with the the OVA partners and things like that as well in terms Yep. of that ongoing fee. But do you have any questions in regards to the fee apart from that or anything else? No. No. I'm pretty much happy as me, to be honest.","start_word":10329,"end_word":10482,"sentiment":"neutral","sentiment_score":0.05654041367498311},{"text":"Perfect.","start_word":10483,"end_word":10483,"sentiment":"positive","sentiment_score":0.5826156735420227},{"text":"Obviously, the benefit is is we don't charge upfront to to give you the advice piece because if you weren't happy with it, you'd probably still go ahead with it because you paid the $5 for it. Yeah. Yeah. I But know what you mean. yeah, so and with that, you get to see what you're you're buying before you you come on board anyway. Yep. Now with in regards to that one, I will be popping you on a brief hold, and then you will be speaking with my my colleague, Samantha, just to do that. Yeah. That That's praise okay. has been a run through those questions. Yep. But it'll be a brief hold there, and then you go through to her. But do you have any other questions for me there just before I I let you go for the afternoon? I mean, I'm I'm pretty much covered, I think, from what I've what I've needed to ask anyway.","start_word":10484,"end_word":10645,"sentiment":"neutral","sentiment_score":0.1169414520263672},{"text":"Brilliant.","start_word":10646,"end_word":10646,"sentiment":"positive","sentiment_score":0.4340030550956726},{"text":"Obviously, if anything does come up, feel free to shoot us an email, give us a callback, and we can include that in the the advice piece or address any concerns you may have as well.","start_word":10647,"end_word":10682,"sentiment":"neutral","sentiment_score":0.2206331342458725},{"text":"Perfect, mate. Well, thanks for your time this Yep.","start_word":10683,"end_word":10691,"sentiment":"positive","sentiment_score":0.4448107182979584},{"text":"afternoon. I've taken Yeah.","start_word":10692,"end_word":10695,"sentiment":"neutral","sentiment_score":0.25353431701660156},{"text":"up I a bit appreciate of it there.","start_word":10696,"end_word":10703,"sentiment":"positive","sentiment_score":0.4239691197872162},{"text":"So it, man.","start_word":10704,"end_word":10706,"sentiment":"neutral","sentiment_score":0.2903801500797272},{"text":"hopefully Thank you very much.","start_word":10707,"end_word":10711,"sentiment":"positive","sentiment_score":0.4753475189208984},{"text":"no. That that's no problem at all.","start_word":10712,"end_word":10718,"sentiment":"neutral","sentiment_score":0.29989033937454224},{"text":"So hopefully, this goes a bit quick for you there, and we'll get you booked in for a time to go through that advice piece then. Brilliant.","start_word":10719,"end_word":10745,"sentiment":"positive","sentiment_score":0.35752978920936584},{"text":"So a brief hold, and then you'll be speaking with Samantha.","start_word":10746,"end_word":10756,"sentiment":"neutral","sentiment_score":0.11606106162071228},{"text":"Thanks, mate. Cheers. Thanks, man. Bye. Yeah.","start_word":10757,"end_word":10763,"sentiment":"positive","sentiment_score":0.6971613764762878}],"average":{"sentiment":"neutral","sentiment_score":0.04747553385196199}}}}