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I thought I'd try my luck To to just have a bit of a quick chat with you. Have you still had time? No. That's okay. I just need your ears anyway. So just before I jump into it, our calls are recorded. And if I could just get you confirmed security for me, full name, date of birth? Date of birth. Perfect. So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice. So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan. Do you recall having that conversation? Oh, I'm right there with you. I I thought that 2026 is gonna be gonna be the year, but the year's role may get harder. Nope. That's okay. So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund. And the point of that was to kind of help offset the premiums of the insurance that Tommy had recommended. Ultimately, it resulted in you getting a bit of a tax reduction to what you pay the the the tax department because rather than paying your marginal tax rate, you would end up paying a a lower rate. And then aside from that, what Tommy had recommended was for you to apply for total and permanent disability insurance and income protection, which was supposed to ultimately assist you if you were unable to work again or if you had a, you know, short term, you know, illness or injury that prevented you from working. And the whole point of today's conversation was to, I guess, touch base with you, see if you're wanting to go ahead with the advice, and see what you wanted to do in that realm. Makes it a little bit difficult when you don't remember, but that's okay. Yeah. Yeah. So what what we, yeah, what we would do is we we just we drop a letter for you, and we just we post it, email it however you want, and then you just gotta hand it into the boss or hand it into HR for them to apply it and basically of course you are. You're self employed. Sorry. Yeah. Correct. Anyway, I'm sorry. Of course, you are. No. I don't. Yep. No. That's okay. Yep. Absolutely. So because it's been for six months since the the document was drawn up, we do need to realistically just make sure like, I need to record everything. I need to go through, and I'll, like, update the document. But what I need to do is make sure that the originally, like, originally recommended amounts are still relevant to you. So what was recommended was 250,000 of life of total income disability insurance. So that means that if you were unable to if if you were unable to work again, ultimately, that 250,000 plus your superannuation funds would be able to be combined and would be pay payable to you. Are you comfortable with $250,000, or do you feel like you would need more if you were never able to work again? It's fine on. Yeah. Okay. Nope. That's perfect. Because, well, ultimately, you you you've got a bit of money in your superannuation fund. So it's it's sort of it'd be, you know, close to $400,000 by the time it all kind of culminates. So there's that benefit. And then with the income protection, you've got what what is 70% of your income, so it's $3,033 per month that pay after thirty days and payable for two years. Now I wanna double check. Remember that one. I wanna double check your good. Your personal circumstances, have they changed at all? So I had you as a smoker, $52 a year income separated. Has anything changed for you in regards to your personal life income occupation? Yep. Oh, there. Okay. They sometimes are. It's actually a pain. Okay. Well, that's that's okay. So long as everything, like, about your personal circumstances is the same. Like, I had that you had a motor vehicle $22 value, and you had a a loan for about 2 and a half owing on it. The loan's all paid off? Fantastic. Oh, hello. Okay. I can wipe that off. And then aside from that, I've got the small business loan, about $20. Okay. No. That's it. $8. Perfect. Alright. Well, that's that's okay. So what I'll do is I will go through and I will redraw up the quote to make sure that everything's still correct and appropriate. It has been some time. I'll have a look at the product that was originally recommended, make sure that there's been no changes to that product over the last six months. Aside from that, you've still got, like, $50 per week cash flow that you could free up and pay towards your super fund to offset those premiums? Yes. Alright. Perfect. Well, with the loan being paid off for the car, it's a little bit a little bit freer now. Well, probably a good timing on this conversation then. Alright. So then what I'll do is I'm gonna get these documents drawn up, and then early next week, I will get them out to you. I need you to sign them. From there, we will call you, and we will go through the insurance application to get the insurance place. Okay? Alright. Fantastic. Do you have any questions at all? Fantastic. Alright. I will get them out to you as quick as I can early next week. Otherwise, have a fantastic Thursday. We're nearly at the end of the week. We've got this. Alright. We just gotta we thought we just drove. Thanks, man. You have a good one. 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Larissa from Oakview Financial. How are you going? Yeah. Good.\n\nThank you. I was just giving you a call. I know I'm a little bit early. I thought I'd try my luck To to just have a bit of a quick chat with you. Have you still had time?\n\nNo. That's okay. I just need your ears anyway. So just before I jump into it, our calls are recorded. And if I could just get you confirmed security for me, full name, date of birth?\n\nDate of birth. Perfect. So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice. So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan. Do you recall having that conversation?\n\nOh, I'm right there with you. I I thought that 2026 is gonna be gonna be the year, but the year's role may get harder. Nope. That's okay. So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund.\n\nAnd the point of that was to kind of help offset the premiums of the insurance that Tommy had recommended. Ultimately, it resulted in you getting a bit of a tax reduction to what you pay the the the tax department because rather than paying your marginal tax rate, you would end up paying a a lower rate. And then aside from that, what Tommy had recommended was for you to apply for total and permanent disability insurance and income protection, which was supposed to ultimately assist you if you were unable to work again or if you had a, you know, short term, you know, illness or injury that prevented you from working. And the whole point of today's conversation was to, I guess, touch base with you, see if you're wanting to go ahead with the advice, and see what you wanted to do in that realm. Makes it a little bit difficult when you don't remember, but that's okay.\n\nYeah. Yeah. So what what we, yeah, what we would do is we we just we drop a letter for you, and we just we post it, email it however you want, and then you just gotta hand it into the boss or hand it into HR for them to apply it and basically of course you are. You're self employed. Sorry.\n\nYeah. Correct. Anyway, I'm sorry. Of course, you are. No.\n\nI don't. Yep. No. That's okay. Yep.\n\nAbsolutely. So because it's been for six months since the the document was drawn up, we do need to realistically just make sure like, I need to record everything. I need to go through, and I'll, like, update the document. But what I need to do is make sure that the originally, like, originally recommended amounts are still relevant to you. So what was recommended was 250,000 of life of total income disability insurance.\n\nSo that means that if you were unable to if if you were unable to work again, ultimately, that 250,000 plus your superannuation funds would be able to be combined and would be pay payable to you. Are you comfortable with $250,000, or do you feel like you would need more if you were never able to work again? It's fine on. Yeah. Okay.\n\nNope. That's perfect. Because, well, ultimately, you you you've got a bit of money in your superannuation fund. So it's it's sort of it'd be, you know, close to $400,000 by the time it all kind of culminates. So there's that benefit.\n\nAnd then with the income protection, you've got what what is 70% of your income, so it's $3,033 per month that pay after thirty days and payable for two years. Now I wanna double check. Remember that one. I wanna double check your good. Your personal circumstances, have they changed at all?\n\nSo I had you as a smoker, $52 a year income separated. Has anything changed for you in regards to your personal life income occupation? Yep. Oh, there. Okay.\n\nThey sometimes are. It's actually a pain. Okay. Well, that's that's okay. So long as everything, like, about your personal circumstances is the same.\n\nLike, I had that you had a motor vehicle $22 value, and you had a a loan for about 2 and a half owing on it. The loan's all paid off? Fantastic. Oh, hello. Okay.\n\nI can wipe that off. And then aside from that, I've got the small business loan, about $20. Okay. No. That's it.\n\n$8. Perfect. Alright. Well, that's that's okay. So what I'll do is I will go through and I will redraw up the quote to make sure that everything's still correct and appropriate.\n\nIt has been some time. I'll have a look at the product that was originally recommended, make sure that there's been no changes to that product over the last six months. Aside from that, you've still got, like, $50 per week cash flow that you could free up and pay towards your super fund to offset those premiums? Yes. Alright.\n\nPerfect. Well, with the loan being paid off for the car, it's a little bit a little bit freer now. Well, probably a good timing on this conversation then. Alright. So then what I'll do is I'm gonna get these documents drawn up, and then early next week, I will get them out to you.\n\nI need you to sign them. From there, we will call you, and we will go through the insurance application to get the insurance place. Okay? Alright. Fantastic.\n\nDo you have any questions at all? Fantastic. Alright. I will get them out to you as quick as I can early next week. Otherwise, have a fantastic Thursday.\n\nWe're nearly at the end of the week. We've got this. Alright. We just gotta we thought we just drove. Thanks, man.\n\nYou have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ben.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.3130490630865097},{"text":"Larissa from Oakview Financial.","start":3.36,"end":4.72,"sentiment":"neutral","sentiment_score":0.2561257556080818},{"text":"How are you going?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.25987421721220016},{"text":"Yeah.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.2752324640750885},{"text":"Good.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.5982298851013184}],"sentiment":"neutral","sentiment_score":0.2969633638858795,"num_words":12,"start":2.56,"end":8.66},{"sentences":[{"text":"Thank you.","start":8.72,"end":9.54,"sentiment":"positive","sentiment_score":0.6429559886455536},{"text":"I was just giving you a call.","start":10.639999,"end":11.84,"sentiment":"neutral","sentiment_score":0.19724670265402114},{"text":"I know I'm a little bit 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recorded.","start":27.925,"end":31.3,"sentiment":"neutral","sentiment_score":0.025663974102247845},{"text":"And if I could just get you confirmed security for me, full name, date of birth?","start":31.759998,"end":35.699997,"sentiment":"neutral","sentiment_score":0.033219717850442976}],"sentiment":"neutral","sentiment_score":0.011044348512465755,"num_words":36,"start":24.164999,"end":35.699997},{"sentences":[{"text":"Date of birth.","start":40.8,"end":41.699997,"sentiment":"neutral","sentiment_score":-0.03116449962059657},{"text":"Perfect.","start":45.085,"end":45.585,"sentiment":"positive","sentiment_score":0.3487860858440399},{"text":"So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice.","start":46.605,"end":58.81,"sentiment":"neutral","sentiment_score":0.07975568808615208},{"text":"So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan.","start":58.81,"end":73.835,"sentiment":"neutral","sentiment_score":0.04048505974443335},{"text":"Do you recall having that conversation?","start":73.835,"end":75.215,"sentiment":"neutral","sentiment_score":0.0010215362223486106}],"sentiment":"neutral","sentiment_score":0.052344621146550856,"num_words":74,"start":40.8,"end":75.215},{"sentences":[{"text":"Oh, I'm right there with you.","start":82.314995,"end":83.515,"sentiment":"neutral","sentiment_score":-0.11840634047985077},{"text":"I I thought that 2026 is gonna be gonna be the year, but the year's role may get harder.","start":83.515,"end":89.44,"sentiment":"neutral","sentiment_score":-0.225601873899761},{"text":"Nope.","start":90.86,"end":91.36,"sentiment":"neutral","sentiment_score":-0.2040787637233734},{"text":"That's okay.","start":92.62,"end":93.44,"sentiment":"neutral","sentiment_score":-0.07827704027295113},{"text":"So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund.","start":93.82,"end":104.715004,"sentiment":"neutral","sentiment_score":0.01986759290099144}],"sentiment":"neutral","sentiment_score":-0.0917135220513029,"num_words":53,"start":82.314995,"end":104.715004},{"sentences":[{"text":"And the point of that was to kind of help offset the premiums of the insurance that Tommy had recommended.","start":105.335,"end":112.235,"sentiment":"neutral","sentiment_score":0.051268196851015094},{"text":"Ultimately, it resulted in you getting a bit of a tax reduction to what you pay the the the tax department because rather than paying your marginal tax rate, you would end up paying a a lower rate.","start":112.615005,"end":124.899994,"sentiment":"neutral","sentiment_score":0.0877914804180986},{"text":"And then aside from that, what Tommy had recommended was for you to apply for total and permanent disability insurance and income protection, which was supposed to ultimately assist you if you were unable to work again or if you had a, you know, short term, you know, illness or injury that prevented you from working.","start":126.32,"end":152.20999,"sentiment":"neutral","sentiment_score":0.2112941213085183},{"text":"And the whole point of today's conversation was to, I guess, touch base with you, see if you're wanting to go ahead with the advice, and see what you wanted to do in that realm.","start":155.66501,"end":165.125,"sentiment":"positive","sentiment_score":0.38291124786649433},{"text":"Makes it a little bit difficult when you don't remember, but that's okay.","start":169.76001,"end":172.26001,"sentiment":"neutral","sentiment_score":-0.11580557261522}],"sentiment":"neutral","sentiment_score":0.1733971124537933,"num_words":162,"start":105.335,"end":172.26001},{"sentences":[{"text":"Yeah.","start":188.08499,"end":188.58499,"sentiment":"neutral","sentiment_score":-0.009014446288347244},{"text":"Yeah.","start":204.57999,"end":204.9,"sentiment":"neutral","sentiment_score":-0.03277305141091347},{"text":"So what what we, yeah, what we would do is we we just we drop a letter for you, and we just we post it, email it however you want, and then you just gotta hand it into the boss or hand it into HR for them to apply it and basically of course you are.","start":204.9,"end":225.14,"sentiment":"neutral","sentiment_score":0.09941270029438394},{"text":"You're self 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are.","start":235.635,"end":239.29501,"sentiment":"neutral","sentiment_score":0.01441429415717721},{"text":"No.","start":241.475,"end":241.715,"sentiment":"neutral","sentiment_score":-0.17984184622764587}],"sentiment":"neutral","sentiment_score":-0.044824361754581335,"num_words":10,"start":230.90001,"end":241.715},{"sentences":[{"text":"I don't.","start":241.715,"end":242.295,"sentiment":"neutral","sentiment_score":-0.2381472885608673},{"text":"Yep.","start":247.38,"end":247.88,"sentiment":"neutral","sentiment_score":0.04603242501616478},{"text":"No.","start":258.5,"end":258.74,"sentiment":"neutral","sentiment_score":-0.07481175661087036},{"text":"That's okay.","start":258.74,"end":259.64,"sentiment":"neutral","sentiment_score":0.09811907075345516},{"text":"Yep.","start":266.785,"end":267.105,"sentiment":"neutral","sentiment_score":0.20496605336666107}],"sentiment":"neutral","sentiment_score":-0.014838530548981257,"num_words":7,"start":241.715,"end":267.105},{"sentences":[{"text":"Absolutely.","start":267.105,"end":267.605,"sentiment":"neutral","sentiment_score":0.32687896490097046},{"text":"So because it's been for six months since the the document was drawn up, we do need to realistically just make sure like, I need to record everything.","start":267.825,"end":279.74,"sentiment":"neutral","sentiment_score":0.1081919205774154},{"text":"I need to go through, and I'll, like, update the document.","start":279.74,"end":282.08,"sentiment":"neutral","sentiment_score":0.07924957234751094},{"text":"But what I need to do is make sure that the originally, like, originally recommended amounts are still relevant to 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on.","start":325.905,"end":326.88498,"sentiment":"neutral","sentiment_score":-0.017022026081879933},{"text":"Yeah.","start":337.86002,"end":338.36002,"sentiment":"neutral","sentiment_score":0.02464248239994049},{"text":"Okay.","start":345.22,"end":345.72,"sentiment":"neutral","sentiment_score":0.0822971910238266}],"sentiment":"neutral","sentiment_score":-0.024216732272179797,"num_words":64,"start":298.42502,"end":345.72},{"sentences":[{"text":"Nope.","start":346.90002,"end":347.22,"sentiment":"neutral","sentiment_score":-0.013786370866000652},{"text":"That's perfect.","start":347.22,"end":348.04,"sentiment":"neutral","sentiment_score":0.18773741740733388},{"text":"Because, well, ultimately, you you you've got a bit of money in your superannuation fund.","start":348.1,"end":351.985,"sentiment":"neutral","sentiment_score":0.1549255892634392},{"text":"So it's it's sort of it'd be, you know, close to $400,000 by the time it all kind of culminates.","start":352.125,"end":357.345,"sentiment":"neutral","sentiment_score":0.11452963463962078},{"text":"So there's that benefit.","start":359.565,"end":360.705,"sentiment":"neutral","sentiment_score":0.24516791105270386}],"sentiment":"neutral","sentiment_score":0.14182944380722584,"num_words":42,"start":346.90002,"end":360.705},{"sentences":[{"text":"And then with the income protection, you've got what what is 70% of your income, so it's $3,033 per month that pay after thirty days and payable for two years.","start":361.88498,"end":373.56,"sentiment":"neutral","sentiment_score":0.06631283747653166},{"text":"Now I wanna double check.","start":374.26,"end":376.2,"sentiment":"neutral","sentiment_score":0.043318454176187515},{"text":"Remember that one.","start":377.535,"end":378.595,"sentiment":"neutral","sentiment_score":0.015224955355127653},{"text":"I wanna double check your 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there.","start":413.105,"end":413.855,"sentiment":"neutral","sentiment_score":-0.04691610671579838},{"text":"Okay.","start":418.04,"end":418.54,"sentiment":"neutral","sentiment_score":-0.0973137617111206}],"sentiment":"neutral","sentiment_score":-0.036285699569973455,"num_words":29,"start":386.095,"end":418.54},{"sentences":[{"text":"They sometimes are.","start":421.80002,"end":422.92,"sentiment":"neutral","sentiment_score":-0.21841675539811453},{"text":"It's actually a pain.","start":422.92,"end":424.22,"sentiment":"neutral","sentiment_score":-0.31611789017915726},{"text":"Okay.","start":425.48,"end":425.96002,"sentiment":"neutral","sentiment_score":-0.06981916725635529},{"text":"Well, that's that's okay.","start":425.96002,"end":427.16,"sentiment":"neutral","sentiment_score":0.03701288532465696},{"text":"So long as everything, like, about your personal circumstances is the same.","start":427.16,"end":430.92,"sentiment":"neutral","sentiment_score":0.028791817370802164}],"sentiment":"neutral","sentiment_score":-0.06233281851746142,"num_words":24,"start":421.80002,"end":430.92},{"sentences":[{"text":"Like, I had that you had a motor vehicle $22 value, and you had a a loan for about 2 and a half owing on it.","start":430.92,"end":438.635,"sentiment":"neutral","sentiment_score":-0.019351934978308585},{"text":"The loan's all paid off?","start":444.55002,"end":445.75,"sentiment":"neutral","sentiment_score":-0.026554875448346137},{"text":"Fantastic.","start":445.75,"end":446.25,"sentiment":"neutral","sentiment_score":0.2839840054512024},{"text":"Oh, hello.","start":451.59003,"end":452.41,"sentiment":"neutral","sentiment_score":-0.019313647411763668},{"text":"Okay.","start":452.87003,"end":453.19,"sentiment":"neutral","sentiment_score":-0.011126682162284853}],"sentiment":"neutral","sentiment_score":-0.011476990234638964,"num_words":35,"start":430.92,"end":453.19},{"sentences":[{"text":"I can wipe that off.","start":453.19,"end":454.49002,"sentiment":"neutral","sentiment_score":-0.03125628754496575},{"text":"And then aside from that, I've got the small business loan, about $20.","start":454.63,"end":459.21002,"sentiment":"neutral","sentiment_score":-0.00323410384701744},{"text":"Okay.","start":469.075,"end":469.575,"sentiment":"neutral","sentiment_score":-0.03368576988577843},{"text":"No.","start":469.635,"end":469.795,"sentiment":"neutral","sentiment_score":-0.08203299343585968},{"text":"That's it.","start":469.795,"end":470.195,"sentiment":"neutral","sentiment_score":-0.05282172001898289}],"sentiment":"neutral","sentiment_score":-0.01907668141343906,"num_words":22,"start":453.19,"end":470.195},{"sentences":[{"text":"$8.","start":470.195,"end":470.755,"sentiment":"neutral","sentiment_score":0.015660835430026054},{"text":"Perfect.","start":470.755,"end":471.255,"sentiment":"positive","sentiment_score":0.4139382243156433},{"text":"Alright.","start":471.91998,"end":472.24,"sentiment":"neutral","sentiment_score":0.254869669675827},{"text":"Well, that's that's okay.","start":472.24,"end":473.19998,"sentiment":"neutral","sentiment_score":0.2898159772157669},{"text":"So what I'll do is I will go through and I will redraw up the quote to make sure that everything's still correct and 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then.","start":512.36,"end":515.66003,"sentiment":"neutral","sentiment_score":0.18250583608945212},{"text":"Alright.","start":518.555,"end":518.875,"sentiment":"neutral","sentiment_score":0.1374858319759369},{"text":"So then what I'll do is I'm gonna get these documents drawn up, and then early next week, I will get them out to you.","start":518.875,"end":524.735,"sentiment":"neutral","sentiment_score":0.1109656935930252}],"sentiment":"neutral","sentiment_score":0.1185773560946638,"num_words":55,"start":505.16,"end":524.735},{"sentences":[{"text":"I need you to sign them.","start":524.955,"end":526.395,"sentiment":"neutral","sentiment_score":0.07850975294907887},{"text":"From there, we will call you, and we will go through the insurance application to get the insurance 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Oh, okay. You guys? Yes. Yes. I'm well, I'm driving. I'm driving. I'm driving. Yeah. I'm driving. I'm driving. I'm driving. I'm driving. I'm driving. I'm driving. I It's Benjamin traffic. And what was the old one? Sorry. What? The 01/20/1987. Not really. Sorry. It's been a bit of busy Yep. Yes. Right. Like I said, I do you know, like I I'm kind of remembering a bit of the conversation, but yeah. But yeah. So it's definitely not something I've looked at. I know that. Yeah. Because I do remember I do remember having a conversation with somebody about it. So yeah. So it's definitely not something I've actually looked at yet. But that's also the thing is that the Sally sacrificing. Is that something that I've gotta put through, like, for example, my my side of things, aren't you? Like, is it to do I need to go through there? Oh, yeah. Yep. Yeah. Well, I I I am my own I am my own boss. It's just I'm I do have a person I've gotta give it to. Yeah. Yeah. But I've I've got I've got the account and I've gotta give it to you. Yeah. They don't know how to do it and everything on there, So I assume yeah. That's okay. Yeah. So yeah. Like I said, that that is something I I do wanna do because I I do remember the conversation, but I did wanna get the the insurance. That is something I did wanna get. It's just that I'm I'm after that conversation, I'm not looking to it at all. So that's all they mean on that. So now that you yeah. Because now you jogged my memory about it. It it is something I I do wanna follow-up on it. If that's okay. Yep. Yep. That's helping a Delta. Well, I guess I really that's when it happens. So I forget what you well, hopefully not. Like, you know, like, if in 250,000 does seem right, like, you know, I'm trying usually spending huge amount of money. Like, okay. So, like, I said, that does sound about right. So I think that's probably okay. Mhmm. Yep. Yes. That's that's that's I definitely remember that. Yeah. I do I do remember that. No. No. Not not really. Not really at the moment. Like, it's in my WiFi and my life's in divorce, but that's probably not gonna be done for another couple of months. So but it doesn't need to be added to changes. She just dragged her feet. That's all. Right. Yeah. It's been it's been a long long process, sir. Yep. Yes. But that's right off now that. Hello? Yeah. Like yeah. There's there's there's about a $150. I think next payment is gone. Yeah. Yeah. That that's that's still there. Like, isn't it? It's more of a drawdown thing. So, you know, it goes up and down, but I think it was about $8 or something on it at the moment. Yep. Yeah. Yeah. That that alright. I can do that. So you see it. Yes. Exactly. Yeah. Exactly. Yes. It is. Yep. Okay. That sounds perfect. No. No. No. Not at all. Not at the moment. I'll just once I come through, I'll have a look at documents and sign them. You too as well. I know. I know. I need tomorrow's Friday. Thank god. Yeah. Yeah. 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it's a good speaking. Oh, okay. You guys? Yes. Yes.\n\nI'm well, I'm driving. I'm driving. I'm driving. Yeah. I'm driving.\n\nI'm driving. I'm driving. I'm driving. I'm driving. I'm driving.\n\nI It's Benjamin traffic. And what was the old one? Sorry. What? The 01/20/1987.\n\nNot really. Sorry. It's been a bit of busy Yep. Yes. Right.\n\nLike I said, I do you know, like I I'm kind of remembering a bit of the conversation, but yeah. But yeah. So it's definitely not something I've looked at. I know that. Yeah.\n\nBecause I do remember I do remember having a conversation with somebody about it. So yeah. So it's definitely not something I've actually looked at yet. But that's also the thing is that the Sally sacrificing. Is that something that I've gotta put through, like, for example, my my side of things, aren't you?\n\nLike, is it to do I need to go through there? Oh, yeah. Yep. Yeah. Well, I I I am my own I am my own boss.\n\nIt's just I'm I do have a person I've gotta give it to. Yeah. Yeah. But I've I've got I've got the account and I've gotta give it to you. Yeah.\n\nThey don't know how to do it and everything on there, So I assume yeah. That's okay. Yeah. So yeah. Like I said, that that is something I I do wanna do because I I do remember the conversation, but I did wanna get the the insurance.\n\nThat is something I did wanna get. It's just that I'm I'm after that conversation, I'm not looking to it at all. So that's all they mean on that. So now that you yeah. Because now you jogged my memory about it.\n\nIt it is something I I do wanna follow-up on it. If that's okay. Yep. Yep. That's helping a Delta.\n\nWell, I guess I really that's when it happens. So I forget what you well, hopefully not. Like, you know, like, if in 250,000 does seem right, like, you know, I'm trying usually spending huge amount of money. Like, okay. So, like, I said, that does sound about right.\n\nSo I think that's probably okay. Mhmm. Yep. Yes. That's that's that's I definitely remember that.\n\nYeah. I do I do remember that. No. No. Not not really.\n\nNot really at the moment. Like, it's in my WiFi and my life's in divorce, but that's probably not gonna be done for another couple of months. So but it doesn't need to be added to changes. She just dragged her feet. That's all.\n\nRight. Yeah. It's been it's been a long long process, sir. Yep. Yes.\n\nBut that's right off now that. Hello? Yeah. Like yeah. There's there's there's about a $150.\n\nI think next payment is gone. Yeah. Yeah. That that's that's still there. Like, isn't it?\n\nIt's more of a drawdown thing. So, you know, it goes up and down, but I think it was about $8 or something on it at the moment. Yep. Yeah. Yeah.\n\nThat that alright. I can do that. So you see it. Yes. Exactly.\n\nYeah. Exactly. Yes. It is. Yep.\n\nOkay. That sounds perfect. No. No. No.\n\nNot at all. Not at the moment. I'll just once I come through, I'll have a look at documents and sign them. You too as well. I know.\n\nI know. I need tomorrow's Friday. Thank god. Yeah. Yeah.\n\nExactly. Alright. Well, you have a good day as well. Thanks. Alright.\n\nBye.","paragraphs":[{"sentences":[{"text":"Oh, it's a good speaking.","start":0.32,"end":1.54,"sentiment":"positive","sentiment_score":0.5730951070785523},{"text":"Oh, okay.","start":5.92,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1288524940609932},{"text":"You guys?","start":6.3999996,"end":7.06,"sentiment":"neutral","sentiment_score":0.10635184869170189},{"text":"Yes.","start":19.125,"end":19.625,"sentiment":"neutral","sentiment_score":0.03060486540198326},{"text":"Yes.","start":20.005,"end":20.244999,"sentiment":"neutral","sentiment_score":0.043713074177503586}],"sentiment":"neutral","sentiment_score":0.31001837822523987,"num_words":11,"start":0.32,"end":20.244999},{"sentences":[{"text":"I'm well, I'm driving.","start":20.244999,"end":21.205,"sentiment":"neutral","sentiment_score":0.0700854305177927},{"text":"I'm driving.","start":21.205,"end":21.325,"sentiment":"neutral","sentiment_score":0.03319237194955349},{"text":"I'm 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definitely not something I've looked at.","start":182.61,"end":185.11,"sentiment":"neutral","sentiment_score":-0.2621026299893856},{"text":"I know that.","start":185.81,"end":186.63,"sentiment":"neutral","sentiment_score":-0.1321605940659841},{"text":"Yeah.","start":187.455,"end":187.775,"sentiment":"neutral","sentiment_score":-0.04814286530017853}],"sentiment":"neutral","sentiment_score":-0.0965960009900086,"num_words":34,"start":174.29001,"end":187.775},{"sentences":[{"text":"Because I do remember I do remember having a conversation with somebody about it.","start":187.775,"end":191.375,"sentiment":"neutral","sentiment_score":-0.010427894336836678},{"text":"So yeah.","start":191.375,"end":192.255,"sentiment":"neutral","sentiment_score":-0.020372100174427032},{"text":"So it's definitely not something I've actually looked at yet.","start":192.255,"end":194.435,"sentiment":"neutral","sentiment_score":-0.12473296448588371},{"text":"But that's also the thing is that the Sally sacrificing.","start":194.895,"end":196.995,"sentiment":"neutral","sentiment_score":-0.2397614486515522},{"text":"Is that something that I've gotta put through, like, for example, my my side of things, aren't you?","start":197.135,"end":203.73999,"sentiment":"neutral","sentiment_score":-0.18019696159495247}],"sentiment":"neutral","sentiment_score":-0.1310226696508902,"num_words":54,"start":187.775,"end":203.73999},{"sentences":[{"text":"Like, is it to do I need to go through there?","start":203.87999,"end":206.7,"sentiment":"neutral","sentiment_score":-0.03884138336235827},{"text":"Oh, yeah.","start":206.76,"end":207.42,"sentiment":"neutral","sentiment_score":0.05174735002219677},{"text":"Yep.","start":211.87999,"end":212.37999,"sentiment":"neutral","sentiment_score":0.16677331924438477},{"text":"Yeah.","start":220.015,"end":220.255,"sentiment":"neutral","sentiment_score":0.06402115523815155},{"text":"Well, I I I am my own I am my own boss.","start":220.255,"end":223.215,"sentiment":"neutral","sentiment_score":0.05527265587200721}],"sentiment":"neutral","sentiment_score":0.021122438074262055,"num_words":27,"start":203.87999,"end":223.215},{"sentences":[{"text":"It's just I'm I do have a person I've gotta give it to.","start":223.215,"end":225.555,"sentiment":"neutral","sentiment_score":0.06591036557578124},{"text":"Yeah.","start":226.335,"end":226.575,"sentiment":"neutral","sentiment_score":0.011128028854727743},{"text":"Yeah.","start":226.575,"end":226.895,"sentiment":"neutral","sentiment_score":0.0031625349074602127},{"text":"But I've I've got I've got the account and I've gotta give it to you.","start":226.895,"end":229.455,"sentiment":"neutral","sentiment_score":-0.07114534825086594},{"text":"Yeah.","start":229.455,"end":229.935,"sentiment":"neutral","sentiment_score":-0.06887002289295197}],"sentiment":"neutral","sentiment_score":-0.008545965497051515,"num_words":31,"start":223.215,"end":229.935},{"sentences":[{"text":"They don't know how to do it and everything on there, So I assume yeah.","start":229.935,"end":234.88307,"sentiment":"neutral","sentiment_score":-0.05836992108573516},{"text":"That's okay.","start":234.92134,"end":235.95961,"sentiment":"neutral","sentiment_score":-0.02853939775377512},{"text":"Yeah.","start":235.99788,"end":236.49788,"sentiment":"neutral","sentiment_score":0.02261480502784252},{"text":"So yeah.","start":236.53615,"end":238.11269,"sentiment":"neutral","sentiment_score":0.02217284683138132},{"text":"Like I said, that that is something I I do wanna do because I I do remember the conversation, but I did wanna get the the insurance.","start":238.15096,"end":250.405,"sentiment":"neutral","sentiment_score":0.0020924414059630145}],"sentiment":"neutral","sentiment_score":-0.017216408407275983,"num_words":47,"start":229.935,"end":250.405},{"sentences":[{"text":"That is something I did wanna get.","start":251.18501,"end":252.54501,"sentiment":"neutral","sentiment_score":0.04833323881030083},{"text":"It's just that I'm I'm after that conversation, I'm not looking to it at all.","start":252.54501,"end":255.74501,"sentiment":"neutral","sentiment_score":-0.09811737338701884},{"text":"So that's all they mean on that.","start":255.74501,"end":257.445,"sentiment":"neutral","sentiment_score":-0.022535125924540416},{"text":"So now that you yeah.","start":258.72,"end":260.4,"sentiment":"neutral","sentiment_score":0.09472760930657387},{"text":"Because now you jogged my memory about it.","start":260.4,"end":262.16,"sentiment":"neutral","sentiment_score":0.17742440290749073}],"sentiment":"neutral","sentiment_score":0.014329987123519891,"num_words":42,"start":251.18501,"end":262.16},{"sentences":[{"text":"It it is something I I do wanna follow-up on it.","start":262.16,"end":264.58,"sentiment":"neutral","sentiment_score":0.17983458936214447},{"text":"If that's okay.","start":264.8,"end":265.69998,"sentiment":"neutral","sentiment_score":0.15394538144270578},{"text":"Yep.","start":277.795,"end":278.295,"sentiment":"neutral","sentiment_score":0.08051814138889313},{"text":"Yep.","start":290.77002,"end":291.27002,"sentiment":"neutral","sentiment_score":0.08567261695861816},{"text":"That's helping a Delta.","start":298.465,"end":299.685,"sentiment":"neutral","sentiment_score":0.10663893353193998}],"sentiment":"neutral","sentiment_score":0.15163815598934888,"num_words":20,"start":262.16,"end":299.685},{"sentences":[{"text":"Well, I guess I really that's when it happens.","start":322.215,"end":323.975,"sentiment":"neutral","sentiment_score":-0.1452772402101093},{"text":"So I forget what you well, hopefully not.","start":323.975,"end":326.375,"sentiment":"neutral","sentiment_score":-0.26424176059663296},{"text":"Like, you know, like, if in 250,000 does seem right, like, you know, I'm trying usually spending huge amount of money.","start":326.375,"end":335.835,"sentiment":"neutral","sentiment_score":-0.13610061453211875},{"text":"Like, okay.","start":338.22,"end":338.94,"sentiment":"neutral","sentiment_score":0.08927325718104841},{"text":"So, like, I said, that does sound about right.","start":338.94,"end":341.12,"sentiment":"neutral","sentiment_score":0.1758202761411667}],"sentiment":"neutral","sentiment_score":-0.09221659494297844,"num_words":49,"start":322.215,"end":341.12},{"sentences":[{"text":"So I think that's probably okay.","start":342.06,"end":343.92,"sentiment":"neutral","sentiment_score":0.14510819191733995},{"text":"Mhmm.","start":369.75998,"end":370.25998,"sentiment":"neutral","sentiment_score":0.015271799638867378},{"text":"Yep.","start":372.08,"end":372.58,"sentiment":"neutral","sentiment_score":0.015917368233203888},{"text":"Yes.","start":374.24,"end":374.56,"sentiment":"neutral","sentiment_score":0.051986850798130035},{"text":"That's that's that's I definitely remember that.","start":374.56,"end":376.97998,"sentiment":"neutral","sentiment_score":0.03555278533271381}],"sentiment":"neutral","sentiment_score":0.07516841671895236,"num_words":16,"start":342.06,"end":376.97998},{"sentences":[{"text":"Yeah.","start":378.88,"end":379.12,"sentiment":"neutral","sentiment_score":0.0563633069396019},{"text":"I do I do remember that.","start":379.12,"end":380.58,"sentiment":"neutral","sentiment_score":0.07958848960697651},{"text":"No.","start":399.71,"end":400.03,"sentiment":"neutral","sentiment_score":-0.07880257070064545},{"text":"No.","start":400.03,"end":400.27,"sentiment":"neutral","sentiment_score":-0.09475068747997284},{"text":"Not not really.","start":400.27,"end":401.49,"sentiment":"neutral","sentiment_score":-0.12295541415611903}],"sentiment":"neutral","sentiment_score":-0.0007104380056262028,"num_words":12,"start":378.88,"end":401.49},{"sentences":[{"text":"Not really at the moment.","start":401.55,"end":402.51,"sentiment":"neutral","sentiment_score":-0.16545694470405578},{"text":"Like, it's in my WiFi and my life's in divorce, but that's probably not gonna be done for another couple of months.","start":402.51,"end":406.99,"sentiment":"neutral","sentiment_score":-0.13895848190242593},{"text":"So but it doesn't need to be added to changes.","start":406.99,"end":409.47,"sentiment":"neutral","sentiment_score":-0.03077021799981594},{"text":"She just dragged her feet.","start":409.47,"end":410.43,"sentiment":"neutral","sentiment_score":-0.15704653263092042},{"text":"That's all.","start":410.43,"end":411.09,"sentiment":"neutral","sentiment_score":-0.08386120572686195}],"sentiment":"neutral","sentiment_score":-0.11693246772682125,"num_words":44,"start":401.55,"end":411.09},{"sentences":[{"text":"Right.","start":416.73502,"end":417.055,"sentiment":"neutral","sentiment_score":-0.033196479082107544},{"text":"Yeah.","start":417.055,"end":417.375,"sentiment":"neutral","sentiment_score":-0.03770463541150093},{"text":"It's been it's been a long long process, sir.","start":417.375,"end":420.115,"sentiment":"neutral","sentiment_score":-0.08480820929010709},{"text":"Yep.","start":436.30002,"end":436.80002,"sentiment":"neutral","sentiment_score":-0.016939373686909676},{"text":"Yes.","start":439.5,"end":440.0,"sentiment":"neutral","sentiment_score":-0.013233009725809096}],"sentiment":"neutral","sentiment_score":-0.0664882601167147,"num_words":13,"start":416.73502,"end":440.0},{"sentences":[{"text":"But that's right off now that.","start":440.06,"end":442.48,"sentiment":"neutral","sentiment_score":-0.06765525415539742},{"text":"Hello?","start":442.78,"end":443.28,"sentiment":"neutral","sentiment_score":-0.02036047540605068},{"text":"Yeah.","start":445.595,"end":445.91498,"sentiment":"neutral","sentiment_score":0.1630745530128479},{"text":"Like yeah.","start":445.91498,"end":446.475,"sentiment":"neutral","sentiment_score":0.06976119428873062},{"text":"There's there's there's about a $150.","start":446.475,"end":448.875,"sentiment":"neutral","sentiment_score":-0.027764225378632545}],"sentiment":"neutral","sentiment_score":-0.01814252568874508,"num_words":16,"start":440.06,"end":448.875},{"sentences":[{"text":"I think next payment is gone.","start":448.875,"end":450.41498,"sentiment":"neutral","sentiment_score":-0.18219142655531564},{"text":"Yeah.","start":453.755,"end":454.255,"sentiment":"neutral","sentiment_score":-0.022107142955064777},{"text":"Yeah.","start":459.43,"end":459.83,"sentiment":"neutral","sentiment_score":0.00188356451690197},{"text":"That that's that's still there.","start":459.83,"end":461.43,"sentiment":"neutral","sentiment_score":-0.05121461376547813},{"text":"Like, isn't it?","start":461.43,"end":461.99,"sentiment":"neutral","sentiment_score":-0.02523297319809596}],"sentiment":"neutral","sentiment_score":-0.09032150788698345,"num_words":16,"start":448.875,"end":461.99},{"sentences":[{"text":"It's more of a drawdown thing.","start":461.99,"end":463.35,"sentiment":"neutral","sentiment_score":-0.1049832043548425},{"text":"So, you know, it goes up and down, but I think it was about $8 or something on it at the moment.","start":463.35,"end":468.09,"sentiment":"neutral","sentiment_score":-0.05331781388006427},{"text":"Yep.","start":488.53,"end":489.03,"sentiment":"neutral","sentiment_score":0.16281263530254364},{"text":"Yeah.","start":501.215,"end":501.535,"sentiment":"neutral","sentiment_score":0.1035507470369339},{"text":"Yeah.","start":501.535,"end":501.775,"sentiment":"neutral","sentiment_score":0.1316034346818924}],"sentiment":"neutral","sentiment_score":-0.04532013917642255,"num_words":31,"start":461.99,"end":501.775},{"sentences":[{"text":"That that alright.","start":501.775,"end":502.41498,"sentiment":"neutral","sentiment_score":0.21418659885724387},{"text":"I can do that.","start":502.41498,"end":503.315,"sentiment":"neutral","sentiment_score":0.28300005942583084},{"text":"So you see it.","start":506.57498,"end":507.715,"sentiment":"neutral","sentiment_score":0.04857492633163929},{"text":"Yes.","start":508.735,"end":508.97498,"sentiment":"neutral","sentiment_score":0.07064913213253021},{"text":"Exactly.","start":508.97498,"end":509.47498,"sentiment":"neutral","sentiment_score":0.12572506070137024}],"sentiment":"neutral","sentiment_score":0.16655645634119326,"num_words":13,"start":501.775,"end":509.47498},{"sentences":[{"text":"Yeah.","start":510.75,"end":511.23,"sentiment":"neutral","sentiment_score":0.12512055039405823},{"text":"Exactly.","start":511.23,"end":511.73,"sentiment":"neutral","sentiment_score":0.1402703821659088},{"text":"Yes.","start":516.19,"end":516.67,"sentiment":"neutral","sentiment_score":0.17373856902122498},{"text":"It is.","start":516.67,"end":517.49,"sentiment":"neutral","sentiment_score":0.15955225378274918},{"text":"Yep.","start":527.065,"end":527.565,"sentiment":"neutral","sentiment_score":0.0739259123802185}],"sentiment":"neutral","sentiment_score":0.1386933202544848,"num_words":6,"start":510.75,"end":527.565},{"sentences":[{"text":"Okay.","start":533.785,"end":534.105,"sentiment":"neutral","sentiment_score":0.19239971041679385},{"text":"That sounds perfect.","start":534.105,"end":535.08496,"sentiment":"positive","sentiment_score":0.480305552482605},{"text":"No.","start":539.63,"end":539.87,"sentiment":"neutral","sentiment_score":-0.0630505234003067},{"text":"No.","start":539.87,"end":540.03,"sentiment":"neutral","sentiment_score":-0.0665401741862297},{"text":"No.","start":540.03,"end":540.19,"sentiment":"neutral","sentiment_score":-0.0900970697402954}],"sentiment":"neutral","sentiment_score":0.20194694293396814,"num_words":7,"start":533.785,"end":540.19},{"sentences":[{"text":"Not at all.","start":540.19,"end":540.83,"sentiment":"neutral","sentiment_score":-0.14246929188569388},{"text":"Not at the moment.","start":540.83,"end":541.55,"sentiment":"neutral","sentiment_score":-0.16410160809755325},{"text":"I'll just once I come through, I'll have a look at documents and sign them.","start":541.55,"end":544.69,"sentiment":"neutral","sentiment_score":-0.03178066375354926},{"text":"You too as well.","start":552.945,"end":554.005,"sentiment":"neutral","sentiment_score":0.05846765451133251},{"text":"I know.","start":555.025,"end":555.505,"sentiment":"neutral","sentiment_score":-0.0015075169503688812}],"sentiment":"neutral","sentiment_score":-0.04748816715021219,"num_words":28,"start":540.19,"end":555.505},{"sentences":[{"text":"I know.","start":555.505,"end":556.145,"sentiment":"neutral","sentiment_score":-0.011858789250254631},{"text":"I need tomorrow's Friday.","start":556.145,"end":557.505,"sentiment":"neutral","sentiment_score":0.014387469738721848},{"text":"Thank god.","start":557.505,"end":558.245,"sentiment":"neutral","sentiment_score":0.1919098049402237},{"text":"Yeah.","start":560.385,"end":560.885,"sentiment":"neutral","sentiment_score":0.03599731624126434},{"text":"Yeah.","start":562.68286,"end":562.8429,"sentiment":"positive","sentiment_score":0.3866124749183655}],"sentiment":"neutral","sentiment_score":0.08402617014944554,"num_words":10,"start":555.505,"end":562.8429},{"sentences":[{"text":"Exactly.","start":562.8429,"end":563.3429,"sentiment":"positive","sentiment_score":0.5550076365470886},{"text":"Alright.","start":564.36285,"end":564.68286,"sentiment":"positive","sentiment_score":0.5632132291793823},{"text":"Well, you have a good day as well.","start":564.68286,"end":566.2229,"sentiment":"positive","sentiment_score":0.7851455062627792},{"text":"Thanks.","start":568.7629,"end":569.2629,"sentiment":"positive","sentiment_score":0.7757961750030518},{"text":"Alright.","start":569.4029,"end":569.8829,"sentiment":"neutral","sentiment_score":0.3114510178565979}],"sentiment":"positive","sentiment_score":0.7072193423906962,"num_words":12,"start":562.8429,"end":569.8829},{"sentences":[{"text":"Bye.","start":569.8829,"end":570.3829,"sentiment":"neutral","sentiment_score":-0.08455158770084381}],"sentiment":"neutral","sentiment_score":-0.08455158770084381,"num_words":1,"start":569.8829,"end":570.3829}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Oh, it's a good speaking.\n\nChannel 0: Hi, Ben. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Oh, okay. You guys?\n\nChannel 0: Yeah. Good. Thank you. I was just giving you a call. I know I'm a little bit early.\n\nI thought I'd try my luck To to just have a bit of a quick chat with you. Have you still had time?\n\nChannel 1: Yes. Yes. I'm well, I'm driving. I'm driving. I'm driving.\n\nYeah. I'm driving. I'm driving. I'm driving. I'm driving.\n\nI'm driving. I'm driving.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: That's okay. I just need your ears anyway. So just before I jump into it, our calls are recorded. And if I could just get you confirmed security for me, full name, date of birth?\n\nChannel 1: It's Benjamin traffic. And what was the old one? Sorry.\n\nChannel 0: Date of birth.\n\nChannel 1: What? The 01/20/1987.\n\nChannel 0: Perfect. So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice. So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan. Do you recall having that conversation?\n\nChannel 1: Not really. Sorry. It's been a bit of busy\n\nChannel 0: Oh, I'm right there with you. I I thought that 2026 is gonna be gonna be the year, but the year's role may get harder. Nope. That's okay. So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund.\n\nAnd the point of that was to kind of help offset the premiums of the insurance that Tommy had recommended. Ultimately, it resulted in you getting a bit of a tax reduction to what you pay the the the tax department because rather\n\nChannel 1: Yep.\n\nChannel 0: than paying your marginal tax rate, you would end up paying a a lower rate. And then aside from that, what Tommy had recommended was for you to apply for total and permanent disability insurance and income protection, which was supposed to ultimately assist you if you were unable to work again or if you had a, you know, short term, you know, illness or injury that prevented you from working.\n\nChannel 1: Yes.\n\nChannel 0: And the whole point of today's conversation was to, I guess, touch base with you, see if you're wanting to go ahead with the advice, and see what you wanted to do in that realm.\n\nChannel 1: Right.\n\nChannel 0: Makes it a little bit difficult when you don't remember, but that's okay.\n\nChannel 1: Like I said, I do you know, like I I'm kind of remembering a bit of the conversation, but yeah. But yeah. So it's definitely not something I've looked at. I know that. Yeah.\n\nBecause I\n\nChannel 0: Yeah.\n\nChannel 1: do remember I do remember having a conversation with somebody about it. So yeah. So it's definitely not something I've actually looked at yet. But that's also the thing is that the Sally sacrificing. Is that something that I've gotta put through, like, for example, my my side of things, aren't you?\n\nLike, is it to\n\nChannel 0: Yeah. So\n\nChannel 1: do\n\nChannel 0: what\n\nChannel 1: I need to go through\n\nChannel 0: what\n\nChannel 1: there?\n\nChannel 0: we,\n\nChannel 1: Oh, yeah.\n\nChannel 0: yeah, what we would do is we we just we drop a letter for you,\n\nChannel 1: Yep.\n\nChannel 0: and we just we post it, email it however you want, and then you just gotta hand it into the boss or hand it into HR for them\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Well, I\n\nChannel 0: apply\n\nChannel 1: I\n\nChannel 0: it and\n\nChannel 1: I\n\nChannel 0: basically\n\nChannel 1: am my own I am my own boss. It's just I'm I do have a person I've gotta\n\nChannel 0: of course\n\nChannel 1: give\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: are.\n\nChannel 1: to.\n\nChannel 0: You're self employed.\n\nChannel 1: Yeah. Yeah. But I've I've got\n\nChannel 0: Sorry.\n\nChannel 1: I've got the account and I've gotta give it to you. Yeah. They don't know how to do\n\nChannel 0: Yeah.\n\nChannel 1: it and everything on there, So\n\nChannel 0: Correct.\n\nChannel 1: I assume yeah.\n\nChannel 0: Anyway,\n\nChannel 1: That's\n\nChannel 0: I'm sorry.\n\nChannel 1: okay.\n\nChannel 0: Of course,\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: So yeah. Like I\n\nChannel 0: are.\n\nChannel 1: said, that that is something\n\nChannel 0: No. I don't.\n\nChannel 1: I I do wanna do because I I do remember the conversation,\n\nChannel 0: Yep.\n\nChannel 1: but I did wanna get the the insurance. That is something I did wanna get. It's just that I'm I'm after that conversation, I'm not looking to it at all. So that's all they mean on that.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: now that\n\nChannel 0: okay.\n\nChannel 1: you yeah. Because now you jogged my memory about it. It it is something I I do wanna follow-up on it. If that's okay.\n\nChannel 0: Yep. Absolutely. So because it's been for six months since the the document was drawn up, we do need to realistically just\n\nChannel 1: Yep.\n\nChannel 0: make sure like, I need to record everything. I need to go through, and I'll, like, update the document. But what I need to do is make sure that the originally, like, originally recommended amounts are still relevant to you. So\n\nChannel 1: Yep.\n\nChannel 0: what was recommended was 250,000 of life of total income disability insurance. So\n\nChannel 1: That's\n\nChannel 0: that means\n\nChannel 1: helping\n\nChannel 0: that\n\nChannel 1: a\n\nChannel 0: if\n\nChannel 1: Delta.\n\nChannel 0: you were unable to if if you were unable to work again, ultimately, that 250,000 plus your superannuation funds would be able to be combined and would be pay payable to you. Are you comfortable with $250,000, or do you feel like you would need more if you were never able to work again?\n\nChannel 1: Well, I guess I really that's when it happens. So I forget what you well, hopefully not.\n\nChannel 0: It's fine\n\nChannel 1: Like,\n\nChannel 0: on.\n\nChannel 1: you know, like, if in 250,000 does seem right, like, you know, I'm trying usually spending huge amount of money.\n\nChannel 0: Yeah.\n\nChannel 1: Like, okay. So, like, I said, that does sound about right. So I think that's probably okay.\n\nChannel 0: Okay. Nope. That's perfect. Because, well, ultimately, you you you've got a bit of money in your superannuation fund. So it's it's sort of it'd be, you know, close to $400,000 by the time it all kind of culminates.\n\nSo there's that benefit. And then with the income protection, you've got what what is 70% of your income, so it's $3,033 per month that pay\n\nChannel 1: Mhmm.\n\nChannel 0: after thirty days and payable\n\nChannel 1: Yep.\n\nChannel 0: for two years.\n\nChannel 1: Yes.\n\nChannel 0: Now\n\nChannel 1: That's that's\n\nChannel 0: I\n\nChannel 1: that's\n\nChannel 0: wanna\n\nChannel 1: I\n\nChannel 0: double\n\nChannel 1: definitely\n\nChannel 0: check.\n\nChannel 1: remember that.\n\nChannel 0: Remember that one.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: do I\n\nChannel 0: double\n\nChannel 1: do\n\nChannel 0: check\n\nChannel 1: remember\n\nChannel 0: your\n\nChannel 1: that.\n\nChannel 0: good. Your personal circumstances, have they changed at all? So I had you as a smoker, $52 a year income separated. Has anything changed for you in regards to your personal life\n\nChannel 1: No.\n\nChannel 0: income\n\nChannel 1: No. Not\n\nChannel 0: occupation?\n\nChannel 1: not really. Not really at the moment. Like, it's in my WiFi and my life's in divorce, but that's probably not gonna be done for another couple of months. So but it doesn't need to be\n\nChannel 0: Yep.\n\nChannel 1: added to changes. She just dragged her feet. That's all.\n\nChannel 0: Oh, there.\n\nChannel 1: Right. Yeah. It's been it's been a long\n\nChannel 0: Okay.\n\nChannel 1: long process, sir.\n\nChannel 0: They sometimes are. It's actually a pain. Okay. Well, that's that's okay. So long as everything, like, about your personal circumstances is the same.\n\nLike, I had that you had a motor vehicle $22 value, and you had a a loan\n\nChannel 1: Yep.\n\nChannel 0: for about 2 and a half owing on it.\n\nChannel 1: Yes. But that's right off now that. Hello?\n\nChannel 0: The loan's all paid off?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Like yeah. There's there's there's about a $150. I think next payment is gone.\n\nChannel 0: Oh, hello. Okay. I can wipe\n\nChannel 1: Yeah.\n\nChannel 0: that off. And then aside from that, I've got the small business loan, about $20.\n\nChannel 1: Yeah. That that's that's still there. Like, isn't it? It's more of a drawdown thing. So, you know, it goes up and down, but I think it was about $8 or something on it at the moment.\n\nChannel 0: Okay. No. That's it. $8. Perfect.\n\nAlright. Well, that's that's okay. So what I'll do is I will go through and I will redraw up the quote to make sure that everything's still correct and appropriate. It has been some time. I'll have a look at the product that was originally recommended, make sure that there's been no changes to that product over the last six months.\n\nChannel 1: Yep.\n\nChannel 0: Aside from that, you've still got, like, $50 per week cash flow that you could free up and pay towards your super fund to offset those premiums?\n\nChannel 1: Yeah. Yeah. That that alright. I can do that.\n\nChannel 0: Yes. Alright. Perfect. Well, with the loan\n\nChannel 1: So\n\nChannel 0: being\n\nChannel 1: you\n\nChannel 0: paid\n\nChannel 1: see\n\nChannel 0: off\n\nChannel 1: it.\n\nChannel 0: for the car, it's a little\n\nChannel 1: Yes.\n\nChannel 0: bit\n\nChannel 1: Exactly.\n\nChannel 0: a little bit freer now.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Well, probably a good timing on this conversation then.\n\nChannel 1: Yes. It is.\n\nChannel 0: Alright. So then what I'll do is I'm gonna get these documents drawn up, and then early next week, I will get them out to you. I need you to sign them. From there,\n\nChannel 1: Yep.\n\nChannel 0: we will call you, and we will go through the insurance application to get the insurance place. Okay?\n\nChannel 1: Okay. That sounds perfect.\n\nChannel 0: Alright. Fantastic. Do you have any questions at all?\n\nChannel 1: No. No. No. Not at all. Not at the moment.\n\nI'll just once I come through, I'll have a look at documents and sign them.\n\nChannel 0: Fantastic. Alright. I will get them out to you as quick as I can early next week. Otherwise, have a fantastic Thursday. We're\n\nChannel 1: You\n\nChannel 0: nearly\n\nChannel 1: too\n\nChannel 0: at\n\nChannel 1: as\n\nChannel 0: the end\n\nChannel 1: well.\n\nChannel 0: of the week. We've got this.\n\nChannel 1: I know. I know. I need tomorrow's Friday. Thank god.\n\nChannel 0: Alright. We\n\nChannel 1: Yeah.\n\nChannel 0: just gotta we thought we just drove.\n\nChannel 1: Yeah. Exactly. Alright. Well, you have a good day as well.\n\nChannel 0: Thanks, man. You have a good one.\n\nChannel 1: Thanks.\n\nChannel 0: Bye.\n\nChannel 1: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Oh, it's a good speaking.","start":0.32,"end":1.54,"sentiment":"positive","sentiment_score":0.5730951070785523}],"sentiment":"positive","sentiment_score":0.5730951070785523,"channel":1,"num_words":5,"start":0.32,"end":1.54},{"sentences":[{"text":"Hi, Ben.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.3130490630865097},{"text":"Larissa from Oakview Financial.","start":3.36,"end":4.72,"sentiment":"neutral","sentiment_score":0.2561257556080818},{"text":"How are you going?","start":4.72,"end":5.62,"sentiment":"neutral","sentiment_score":0.25987421721220016}],"sentiment":"neutral","sentiment_score":0.2690098017454147,"channel":0,"num_words":10,"start":2.56,"end":5.62},{"sentences":[{"text":"Oh, okay.","start":5.92,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.1288524940609932},{"text":"You guys?","start":6.3999996,"end":7.06,"sentiment":"neutral","sentiment_score":0.10635184869170189}],"sentiment":"neutral","sentiment_score":0.11760217137634754,"channel":1,"num_words":4,"start":5.92,"end":7.06},{"sentences":[{"text":"Yeah.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.2752324640750885},{"text":"Good.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.5982298851013184},{"text":"Thank you.","start":8.72,"end":9.54,"sentiment":"positive","sentiment_score":0.6429559886455536},{"text":"I was just giving you a call.","start":10.639999,"end":11.84,"sentiment":"neutral","sentiment_score":0.19724670265402114},{"text":"I know I'm a little bit early.","start":11.84,"end":12.799999,"sentiment":"neutral","sentiment_score":0.02702913885670049}],"sentiment":"neutral","sentiment_score":0.2071836231690314,"channel":0,"num_words":18,"start":7.68,"end":12.799999},{"sentences":[{"text":"I thought I'd try my luck To to just have a bit of a quick chat with you.","start":12.799999,"end":17.925,"sentiment":"neutral","sentiment_score":0.05136566381487581},{"text":"Have you still had time?","start":17.925,"end":19.465,"sentiment":"neutral","sentiment_score":0.008965094387531281}],"sentiment":"neutral","sentiment_score":0.04214814872197483,"channel":0,"num_words":23,"start":12.799999,"end":19.465},{"sentences":[{"text":"Yes.","start":19.125,"end":19.625,"sentiment":"neutral","sentiment_score":0.03060486540198326},{"text":"Yes.","start":20.005,"end":20.244999,"sentiment":"neutral","sentiment_score":0.043713074177503586},{"text":"I'm well, I'm driving.","start":20.244999,"end":21.205,"sentiment":"neutral","sentiment_score":0.0700854305177927},{"text":"I'm driving.","start":21.205,"end":21.325,"sentiment":"neutral","sentiment_score":0.03319237194955349},{"text":"I'm driving.","start":21.325,"end":21.605,"sentiment":"neutral","sentiment_score":0.022968207485973835}],"sentiment":"neutral","sentiment_score":0.04669808205217123,"channel":1,"num_words":10,"start":19.125,"end":21.605},{"sentences":[{"text":"Yeah.","start":21.605,"end":21.771362,"sentiment":"neutral","sentiment_score":0.02712741494178772},{"text":"I'm driving.","start":21.771362,"end":22.10409,"sentiment":"neutral","sentiment_score":0.023379335179924965},{"text":"I'm driving.","start":22.10409,"end":22.436817,"sentiment":"neutral","sentiment_score":0.023136300966143608},{"text":"I'm driving.","start":22.436817,"end":22.769545,"sentiment":"neutral","sentiment_score":0.018986664712429047},{"text":"I'm driving.","start":22.769545,"end":23.102272,"sentiment":"neutral","sentiment_score":0.01519784890115261}],"sentiment":"neutral","sentiment_score":0.020947523829009797,"channel":1,"num_words":9,"start":21.605,"end":23.102272},{"sentences":[{"text":"I'm driving.","start":23.102272,"end":23.435,"sentiment":"neutral","sentiment_score":0.010772781446576118},{"text":"I'm driving.","start":23.435,"end":24.165,"sentiment":"neutral","sentiment_score":0.0026972311025019735}],"sentiment":"neutral","sentiment_score":0.006735006274539046,"channel":1,"num_words":4,"start":23.102272,"end":24.165},{"sentences":[{"text":"No.","start":24.164999,"end":24.244999,"sentiment":"neutral","sentiment_score":-0.11497019231319427}],"sentiment":"neutral","sentiment_score":-0.11497019231319427,"channel":0,"num_words":1,"start":24.164999,"end":24.244999},{"sentences":[{"text":"I","start":24.165,"end":24.665,"sentiment":"neutral","sentiment_score":-0.12169833481311798}],"sentiment":"neutral","sentiment_score":-0.12169833481311798,"channel":1,"num_words":1,"start":24.165,"end":24.665},{"sentences":[{"text":"That's okay.","start":24.244999,"end":25.064999,"sentiment":"neutral","sentiment_score":-0.05457238852977753},{"text":"I just need your ears anyway.","start":25.204998,"end":26.664999,"sentiment":"neutral","sentiment_score":-0.03201794748504957},{"text":"So just before I jump into it, our calls are recorded.","start":27.925,"end":31.3,"sentiment":"neutral","sentiment_score":0.025663974102247845},{"text":"And if I could just get you confirmed security for me, full name, date of birth?","start":31.759998,"end":35.699997,"sentiment":"neutral","sentiment_score":0.033219717850442976}],"sentiment":"neutral","sentiment_score":0.01464476396462747,"channel":0,"num_words":35,"start":24.244999,"end":35.699997},{"sentences":[{"text":"It's Benjamin traffic.","start":36.03,"end":37.25,"sentiment":"neutral","sentiment_score":-0.014524949404100576},{"text":"And what was the old one?","start":38.59,"end":39.47,"sentiment":"neutral","sentiment_score":-0.033454898123939834},{"text":"Sorry.","start":39.47,"end":39.97,"sentiment":"neutral","sentiment_score":-0.047653406858444214}],"sentiment":"neutral","sentiment_score":-0.029195764381438494,"channel":1,"num_words":10,"start":36.03,"end":39.97},{"sentences":[{"text":"Date of birth.","start":40.8,"end":41.699997,"sentiment":"neutral","sentiment_score":-0.03116449962059657}],"sentiment":"neutral","sentiment_score":-0.03116449962059657,"channel":0,"num_words":3,"start":40.8,"end":41.699997},{"sentences":[{"text":"What?","start":41.55,"end":42.03,"sentiment":"neutral","sentiment_score":-0.019999461248517036},{"text":"The 01/20/1987.","start":42.03,"end":44.21,"sentiment":"neutral","sentiment_score":0.0031764875166118145}],"sentiment":"neutral","sentiment_score":-0.004548828738431136,"channel":1,"num_words":3,"start":41.55,"end":44.21},{"sentences":[{"text":"Perfect.","start":45.085,"end":45.585,"sentiment":"positive","sentiment_score":0.3487860858440399},{"text":"So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice.","start":46.605,"end":58.81,"sentiment":"neutral","sentiment_score":0.07975568808615208},{"text":"So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan.","start":58.81,"end":73.835,"sentiment":"neutral","sentiment_score":0.04048505974443335},{"text":"Do you recall having that conversation?","start":73.835,"end":75.215,"sentiment":"neutral","sentiment_score":0.0010215362223486106}],"sentiment":"neutral","sentiment_score":0.05587317554516272,"channel":0,"num_words":71,"start":45.085,"end":75.215},{"sentences":[{"text":"Not really.","start":77.655,"end":78.215,"sentiment":"neutral","sentiment_score":-0.10904752090573311},{"text":"Sorry.","start":78.215,"end":78.455,"sentiment":"neutral","sentiment_score":-0.14303626120090485},{"text":"It's been a bit of busy","start":78.455,"end":79.925,"sentiment":"neutral","sentiment_score":-0.20141294598579407}],"sentiment":"neutral","sentiment_score":-0.17440099765857062,"channel":1,"num_words":9,"start":77.655,"end":79.925},{"sentences":[{"text":"Oh, I'm right there with you.","start":82.314995,"end":83.515,"sentiment":"neutral","sentiment_score":-0.11840634047985077},{"text":"I I thought that 2026 is gonna be gonna be the year, but the year's role may get harder.","start":83.515,"end":89.44,"sentiment":"neutral","sentiment_score":-0.225601873899761},{"text":"Nope.","start":90.86,"end":91.36,"sentiment":"neutral","sentiment_score":-0.2040787637233734},{"text":"That's okay.","start":92.62,"end":93.44,"sentiment":"neutral","sentiment_score":-0.07827704027295113},{"text":"So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund.","start":93.82,"end":104.715004,"sentiment":"neutral","sentiment_score":0.01986759290099144}],"sentiment":"neutral","sentiment_score":-0.0917135220513029,"channel":0,"num_words":53,"start":82.314995,"end":104.715004},{"sentences":[{"text":"And the point of that was to kind of help offset the premiums of the insurance that Tommy had recommended.","start":105.335,"end":112.235,"sentiment":"neutral","sentiment_score":0.051268196851015094},{"text":"Ultimately, it resulted in you getting a bit of a tax reduction to what you pay the the the tax department because rather","start":112.615005,"end":120.479996,"sentiment":"neutral","sentiment_score":0.030008895079726757}],"sentiment":"neutral","sentiment_score":0.039896942415209705,"channel":0,"num_words":43,"start":105.335,"end":120.479996},{"sentences":[{"text":"Yep.","start":120.47,"end":120.97,"sentiment":"neutral","sentiment_score":-0.03366391733288765}],"sentiment":"neutral","sentiment_score":-0.03366391733288765,"channel":1,"num_words":1,"start":120.47,"end":120.97},{"sentences":[{"text":"than paying your marginal tax rate, you would end up paying a a lower rate.","start":120.479996,"end":124.899994,"sentiment":"neutral","sentiment_score":0.1763914446036021},{"text":"And then aside from that, what Tommy had recommended was for you to apply for total and permanent disability insurance and income protection, which was supposed to ultimately assist you if you were unable to work again or if you had a, you know, short term, you know, illness or injury that prevented you from working.","start":126.32,"end":152.20999,"sentiment":"neutral","sentiment_score":0.2112941213085183}],"sentiment":"neutral","sentiment_score":0.20392031637085994,"channel":0,"num_words":71,"start":120.479996,"end":152.20999},{"sentences":[{"text":"Yes.","start":152.87999,"end":153.37999,"sentiment":"neutral","sentiment_score":0.2605072259902954}],"sentiment":"neutral","sentiment_score":0.2605072259902954,"channel":1,"num_words":1,"start":152.87999,"end":153.37999},{"sentences":[{"text":"And the whole point of today's conversation was to, I guess, touch base with you, see if you're wanting to go ahead with the advice, and see what you wanted to do in that realm.","start":155.66501,"end":165.125,"sentiment":"positive","sentiment_score":0.38291124786649433}],"sentiment":"positive","sentiment_score":0.38291124786649433,"channel":0,"num_words":35,"start":155.66501,"end":165.125},{"sentences":[{"text":"Right.","start":168.935,"end":169.435,"sentiment":"neutral","sentiment_score":0.06696691364049911}],"sentiment":"neutral","sentiment_score":0.06696691364049911,"channel":1,"num_words":1,"start":168.935,"end":169.435},{"sentences":[{"text":"Makes it a little bit difficult when you don't remember, but that's okay.","start":169.76001,"end":172.26001,"sentiment":"neutral","sentiment_score":-0.11580557261522}],"sentiment":"neutral","sentiment_score":-0.11580557261522,"channel":0,"num_words":13,"start":169.76001,"end":172.26001},{"sentences":[{"text":"Like I said, I do you know, like I I'm kind of remembering a bit of the conversation, but yeah.","start":174.29001,"end":180.55,"sentiment":"neutral","sentiment_score":-0.026745206024497748},{"text":"But yeah.","start":182.13,"end":182.61,"sentiment":"neutral","sentiment_score":-0.10395711287856102},{"text":"So it's definitely not something I've looked at.","start":182.61,"end":185.11,"sentiment":"neutral","sentiment_score":-0.2621026299893856},{"text":"I know that.","start":185.81,"end":186.63,"sentiment":"neutral","sentiment_score":-0.1321605940659841},{"text":"Yeah.","start":187.455,"end":187.775,"sentiment":"neutral","sentiment_score":-0.04814286530017853}],"sentiment":"neutral","sentiment_score":-0.0965960009900086,"channel":1,"num_words":34,"start":174.29001,"end":187.775},{"sentences":[{"text":"Because I","start":187.775,"end":188.175,"sentiment":"neutral","sentiment_score":-0.03848390839993954}],"sentiment":"neutral","sentiment_score":-0.03848390839993954,"channel":1,"num_words":2,"start":187.775,"end":188.175},{"sentences":[{"text":"Yeah.","start":188.08499,"end":188.58499,"sentiment":"neutral","sentiment_score":-0.009014446288347244}],"sentiment":"neutral","sentiment_score":-0.009014446288347244,"channel":0,"num_words":1,"start":188.08499,"end":188.58499},{"sentences":[{"text":"do remember I do remember having a conversation with somebody about it.","start":188.175,"end":191.375,"sentiment":"neutral","sentiment_score":-0.005751891992986202},{"text":"So yeah.","start":191.375,"end":192.255,"sentiment":"neutral","sentiment_score":-0.020372100174427032},{"text":"So it's definitely not something I've actually looked at yet.","start":192.255,"end":194.435,"sentiment":"neutral","sentiment_score":-0.12473296448588371},{"text":"But that's also the thing is that the Sally sacrificing.","start":194.895,"end":196.995,"sentiment":"neutral","sentiment_score":-0.2397614486515522},{"text":"Is that something that I've gotta put through, like, for example, my my side of things, aren't you?","start":197.135,"end":203.73999,"sentiment":"neutral","sentiment_score":-0.18019696159495247}],"sentiment":"neutral","sentiment_score":-0.13458185277592677,"channel":1,"num_words":52,"start":188.175,"end":203.73999},{"sentences":[{"text":"Like, is it to","start":203.87999,"end":204.76,"sentiment":"neutral","sentiment_score":-0.06018529832363129}],"sentiment":"neutral","sentiment_score":-0.06018529832363129,"channel":1,"num_words":4,"start":203.87999,"end":204.76},{"sentences":[{"text":"Yeah.","start":204.57999,"end":204.9,"sentiment":"neutral","sentiment_score":-0.03277305141091347},{"text":"So","start":204.9,"end":205.14,"sentiment":"neutral","sentiment_score":-0.02487388253211975}],"sentiment":"neutral","sentiment_score":-0.02882346697151661,"channel":0,"num_words":2,"start":204.57999,"end":205.14},{"sentences":[{"text":"do","start":204.95999,"end":205.15999,"sentiment":"neutral","sentiment_score":-0.038435064256191254}],"sentiment":"neutral","sentiment_score":-0.038435064256191254,"channel":1,"num_words":1,"start":204.95999,"end":205.15999},{"sentences":[{"text":"what","start":205.14,"end":205.64,"sentiment":"neutral","sentiment_score":-0.00924733281135559}],"sentiment":"neutral","sentiment_score":-0.00924733281135559,"channel":0,"num_words":1,"start":205.14,"end":205.64},{"sentences":[{"text":"I need to go through","start":205.15999,"end":206.2,"sentiment":"neutral","sentiment_score":-0.02490713894367218}],"sentiment":"neutral","sentiment_score":-0.02490713894367218,"channel":1,"num_words":5,"start":205.15999,"end":206.2},{"sentences":[{"text":"what","start":206.09999,"end":206.42,"sentiment":"neutral","sentiment_score":-0.02423813194036484}],"sentiment":"neutral","sentiment_score":-0.02423813194036484,"channel":0,"num_words":1,"start":206.09999,"end":206.42},{"sentences":[{"text":"there?","start":206.2,"end":206.7,"sentiment":"neutral","sentiment_score":-0.023543264716863632}],"sentiment":"neutral","sentiment_score":-0.023543264716863632,"channel":1,"num_words":1,"start":206.2,"end":206.7},{"sentences":[{"text":"we,","start":206.42,"end":206.92,"sentiment":"neutral","sentiment_score":0.0057692378759384155}],"sentiment":"neutral","sentiment_score":0.0057692378759384155,"channel":0,"num_words":1,"start":206.42,"end":206.92},{"sentences":[{"text":"Oh, 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god.","start":557.505,"end":558.245,"sentiment":"neutral","sentiment_score":0.1919098049402237}],"sentiment":"neutral","sentiment_score":0.04146368764340878,"channel":1,"num_words":10,"start":555.025,"end":558.245},{"sentences":[{"text":"Alright.","start":560.08,"end":560.16003,"sentiment":"neutral","sentiment_score":0.09886370599269868},{"text":"We","start":560.16003,"end":560.4,"sentiment":"neutral","sentiment_score":0.04431723803281784}],"sentiment":"neutral","sentiment_score":0.07159047201275826,"channel":0,"num_words":2,"start":560.08,"end":560.4},{"sentences":[{"text":"Yeah.","start":560.385,"end":560.885,"sentiment":"neutral","sentiment_score":0.03599731624126434}],"sentiment":"neutral","sentiment_score":0.03599731624126434,"channel":1,"num_words":1,"start":560.385,"end":560.885},{"sentences":[{"text":"just gotta we thought we just 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from Oakview Financial speak with customers to discuss their insurance plan and potential savings. Customers confirm personal information and personal circumstances, and discuss the benefits of combining their insurance policy with Delta's benefits. Representatives explain that payments will be made over a period of time and that insurance applications will be red crafted."},"intents":{"segments":[{"text":"I was just giving you a call. I know I'm a little bit early. I thought I'd try my luck To to just have a bit of a quick chat with you. Have you still had time? Yes.","start_word":23,"end_word":60,"intents":[{"intent":"Schedule call","confidence_score":0.014536959}]},{"text":"And if I could just get you confirmed security for me, full name, date of birth? It's Benjamin traffic.","start_word":104,"end_word":122,"intents":[{"intent":"Confirm security","confidence_score":0.81122535}]},{"text":"So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice. So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan. Do you recall having that conversation?","start_word":137,"end_word":206,"intents":[{"intent":"Discuss insurance application","confidence_score":0.0998291}]},{"text":"So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund.","start_word":244,"end_word":268,"intents":[{"intent":"Discuss salary sacrifice arrangement","confidence_score":0.07096794}]},{"text":"But that's also the thing is that the Sally sacrificing. Is that something that I've gotta put through, like, for example, my my side of things, aren't you? Like, is it to Yeah.","start_word":495,"end_word":527,"intents":[{"intent":"Discuss sally's sacrifice","confidence_score":0.0012296202}]},{"text":"I don't. I I do wanna do because I I do remember the conversation, Yep. but I did wanna get the the insurance. That is something I did wanna get. It's just that I'm I'm after that conversation, I'm not looking to it at all. So that's all they mean on that. No.","start_word":679,"end_word":731,"intents":[{"intent":"Evaluate insurance needs","confidence_score":0.0064204354}]},{"text":"So what I'll do is I will go through and I will redraw up the quote to make sure that everything's still correct and appropriate. It has been some time.","start_word":1311,"end_word":1340,"intents":[{"intent":"Redraw quote","confidence_score":0.40703955}]},{"text":"Aside from that, you've still got, like, $50 per week cash flow that you could free up and pay towards your super fund to offset those premiums? Yeah. Yeah.","start_word":1368,"end_word":1396,"intents":[{"intent":"Compensate premiums","confidence_score":0.15039462}]},{"text":"we will call you, and we will go through the insurance application to get the insurance place. Okay? Okay.","start_word":1481,"end_word":1499,"intents":[{"intent":"Call speaker","confidence_score":0.053906742}]},{"text":"Do you have any questions at all? No.","start_word":1505,"end_word":1512,"intents":[{"intent":"Assist speaker","confidence_score":0.0011635239}]},{"text":"Not at all. Not at the moment. I'll just once I come through, I'll have a look at documents and sign them.","start_word":1515,"end_word":1536,"intents":[{"intent":"Review documents","confidence_score":0.027869387}]},{"text":"I will get them out to you as quick as I can early next week. Otherwise, have a fantastic Thursday. We're nearly You too at the as end of well. the week. We've got this. I know. I know. I need tomorrow's Friday. Thank god.","start_word":1539,"end_word":1583,"intents":[{"intent":"Schedule appointment","confidence_score":0.00920436}]}]},"sentiments":{"segments":[{"text":"Oh, it's a good speaking.","start_word":0,"end_word":4,"sentiment":"positive","sentiment_score":0.5644233226776123},{"text":"Hi, Ben. Larissa from Oakview Financial. How are you going? Oh, okay. You guys? Yeah.","start_word":5,"end_word":19,"sentiment":"neutral","sentiment_score":0.22955772280693057},{"text":"Good. Thank you.","start_word":20,"end_word":22,"sentiment":"positive","sentiment_score":0.613079309463501},{"text":"I was just giving you a call. I know I'm a little bit early. I thought I'd try my luck To to just have a bit of a quick chat with you. Have you still had time? Yes. Yes. I'm well, I'm driving. I'm driving. I'm driving. Yeah. I'm driving. I'm driving. I'm driving. I'm driving. I'm driving. I'm driving. No. I That's okay. I just need your ears anyway. So just before I jump into it, our calls are recorded. And if I could just get you confirmed security for me, full name, date of birth? It's Benjamin traffic. And what was the old one? Sorry. Date of birth. What? The 01/20/1987.","start_word":23,"end_word":135,"sentiment":"neutral","sentiment_score":0.02461647056043148},{"text":"Perfect.","start_word":136,"end_word":136,"sentiment":"positive","sentiment_score":0.3487860858440399},{"text":"So the reason for my call was you had a conversation with my colleague, Tommy, earlier in the year, and from that, he sent you advice. So it was it was called a statement of advice that he had drawn up, and that was in conjunction with, like, apply applying for insurance with one path and making a couple alterations to your superannuation plan. Do you recall having that conversation? Not really. Sorry. It's been a bit of busy Oh, I'm right there with you. I I thought that 2026 is gonna be gonna be the year, but the year's role may get harder. Nope. That's okay. So the advice that was put together was looking at establishing a salary sacrifice arrangement of $50 per week to go into your superannuation fund. And the point of that was to kind of help offset the premiums of the insurance that Tommy had recommended. Ultimately, it resulted in you getting a bit of a tax reduction to what you pay the the the tax department because rather Yep. than paying your marginal tax rate, you would end up paying a a lower rate. And then aside from that, what Tommy had recommended was for you to apply for total and permanent disability insurance and income protection, which was supposed to ultimately assist you if you were unable to work again or if you had a, you know, short term, you know, illness or injury that prevented you from working. Yes.","start_word":137,"end_word":384,"sentiment":"neutral","sentiment_score":0.04819756367754552},{"text":"And the whole point of today's conversation was to, I guess, touch base with you, see if you're wanting to go ahead with the advice, and see what you wanted to do in that realm.","start_word":385,"end_word":419,"sentiment":"positive","sentiment_score":0.3865250945091248},{"text":"Right. Makes it a little bit difficult when you don't remember, but that's okay. Like I said, I do you know, like I I'm kind of remembering a bit of the conversation, but yeah. But yeah. So it's definitely not something I've looked at. I know that. Yeah. Because I Yeah. do remember I do remember having a conversation with somebody about it. So yeah. So it's definitely not something I've actually looked at yet. But that's also the thing is that the Sally sacrificing. Is that something that I've gotta put through, like, for example, my my side of things, aren't you? Like, is it to Yeah. So do what I need to go through what there? we, Oh, yeah. yeah, what we would do is we we just we drop a letter for you, Yep. and we just we post it, email it however you want, and then you just gotta hand it into the boss or hand it into HR for them Yeah. to Well, I apply I it and I basically am my own I am my own boss. It's just I'm I do have a person I've gotta of course give you it are. to. You're self employed. Yeah. Yeah. But I've I've got Sorry. I've got the account and I've gotta give it to you. Yeah. They don't know how to do Yeah. it and everything on there, So Correct. I assume yeah. Anyway, That's I'm sorry. okay. Of course, Yeah. you So yeah. Like I are. said, that that is something No. I don't. I I do wanna do because I I do remember the conversation, Yep. but I did wanna get the the insurance. That is something I did wanna get. It's just that I'm I'm after that conversation, I'm not looking to it at all. So that's all they mean on that. No. So That's now that okay. you yeah. Because now you jogged my memory about it. It it is something I I do wanna follow-up on it. If that's okay. Yep. Absolutely. So because it's been for six months since the the document was drawn up, we do need to realistically just Yep. make sure like, I need to record everything. I need to go through, and I'll, like, update the document. But what I need to do is make sure that the originally, like, originally recommended amounts are still relevant to you. So Yep. what was recommended was 250,000 of life of total income disability insurance. So That's that means helping that a if Delta. you were unable to if if you were unable to work again, ultimately, that 250,000 plus your superannuation funds would be able to be combined and would be pay payable to you. Are you comfortable with $250,000, or do you feel like you would need more if you were never able to work again? Well, I guess I really that's when it happens. So I forget what you well, hopefully not. It's fine Like, on. you know, like, if in 250,000 does seem right, like, you know, I'm trying usually spending huge amount of money. Yeah. Like, okay. So, like, I said, that does sound about right. So I think that's probably okay. Okay. Nope.","start_word":420,"end_word":961,"sentiment":"neutral","sentiment_score":-0.009673105954876466},{"text":"That's perfect.","start_word":962,"end_word":963,"sentiment":"positive","sentiment_score":0.40712499618530273},{"text":"Because, well, ultimately, you you you've got a bit of money in your superannuation fund. So it's it's sort of it'd be, you know, close to $400,000 by the time it all kind of culminates. So there's that benefit. And then with the income protection, you've got what what is 70% of your income, so it's $3,033 per month that pay Mhmm. after thirty days and payable Yep. for two years. Yes. Now That's that's I that's wanna I double definitely check. remember that. Remember that one. Yeah. I I wanna do I double do check remember your that. good. Your personal circumstances, have they changed at all? So I had you as a smoker, $52 a year income separated. Has anything changed for you in regards to your personal life No. income No. Not occupation? not really. Not really at the moment. Like, it's in my WiFi and my life's in divorce, but that's probably not gonna be done for another couple of months. So but it doesn't need to be Yep. added to changes. She just dragged her feet. That's all. Oh, there. Right. Yeah. It's been it's been a long Okay. long process, sir. They sometimes are. It's actually a pain. Okay. Well, that's that's okay. So long as everything, like, about your personal circumstances is the same. Like, I had that you had a motor vehicle $22 value, and you had a a loan Yep. for about 2 and a half owing on it. Yes. But that's right off now that. Hello? The loan's all paid off? Yeah. Fantastic. Like yeah. There's there's there's about a $150. I think next payment is gone. Oh, hello. Okay. I can wipe Yeah. that off. And then aside from that, I've got the small business loan, about $20. Yeah. That that's that's still there. Like, isn't it? It's more of a drawdown thing. So, you know, it goes up and down, but I think it was about $8 or something on it at the moment. Okay. No. That's it. $8.","start_word":964,"end_word":1304,"sentiment":"neutral","sentiment_score":-0.010529913914955256},{"text":"Perfect.","start_word":1305,"end_word":1305,"sentiment":"positive","sentiment_score":0.4139382243156433},{"text":"Alright. Well, that's that's okay. So what I'll do is I will go through and I will redraw up the quote to make sure that everything's still correct and appropriate. It has been some time. I'll have a look at the product that was originally recommended, make sure that there's been no changes to that product over the last six months. Yep. Aside from that, you've still got, like, $50 per week cash flow that you could free up and pay towards your super fund to offset those premiums? Yeah. Yeah. That that alright. I can do that. Yes. Alright.","start_word":1306,"end_word":1405,"sentiment":"neutral","sentiment_score":0.16369609534740448},{"text":"Perfect.","start_word":1406,"end_word":1406,"sentiment":"positive","sentiment_score":0.36042284965515137},{"text":"Well, with the loan So being you paid see off it. for the car, it's a little Yes. bit Exactly. a little bit freer now. Yeah. Exactly. Well, probably a good timing on this conversation then. Yes. It is. Alright. So then what I'll do is I'm gonna get these documents drawn up, and then early next week, I will get them out to you. I need you to sign them. From there, Yep. we will call you, and we will go through the insurance application to get the insurance place. Okay? Okay.","start_word":1407,"end_word":1499,"sentiment":"neutral","sentiment_score":0.10605849325656892},{"text":"That sounds perfect.","start_word":1500,"end_word":1502,"sentiment":"positive","sentiment_score":0.4752488136291504},{"text":"Alright.","start_word":1503,"end_word":1503,"sentiment":"neutral","sentiment_score":0.324233740568161},{"text":"Fantastic.","start_word":1504,"end_word":1504,"sentiment":"positive","sentiment_score":0.41751983761787415},{"text":"Do you have any questions at all? No. No. No. Not at all. Not at the moment. I'll just once I come through, I'll have a look at documents and sign them.","start_word":1505,"end_word":1536,"sentiment":"neutral","sentiment_score":-0.0335211381316185},{"text":"Fantastic.","start_word":1537,"end_word":1537,"sentiment":"positive","sentiment_score":0.38576340675354},{"text":"Alright. I will get them out to you as quick as I can early next week.","start_word":1538,"end_word":1553,"sentiment":"neutral","sentiment_score":0.31903085112571716},{"text":"Otherwise, have a fantastic Thursday.","start_word":1554,"end_word":1558,"sentiment":"positive","sentiment_score":0.3976344466209411},{"text":"We're nearly You too at the as end of well. the week. We've got this. I know. I know. I need tomorrow's Friday. Thank god. Alright. We Yeah. just gotta we thought we just drove.","start_word":1559,"end_word":1593,"sentiment":"neutral","sentiment_score":0.047811586409807205},{"text":"Yeah. Exactly. Alright. Well, you have a good day as well. Thanks, man. You have a good one. Thanks. Bye.","start_word":1594,"end_word":1613,"sentiment":"positive","sentiment_score":0.7132769227027893},{"text":"Alright. Bye.","start_word":1614,"end_word":1615,"sentiment":"neutral","sentiment_score":0.2725085914134979}],"average":{"sentiment":"neutral","sentiment_score":0.05113665911616111}}}}