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Now just to get started on that one, Dominic, if I could just pass you security with that name, date of birth, and current address, we can get stuck into that one today. Great. Thanks for that one, Dominic. Now I don't believe we've spoken previously, sir. As I said, my name is Carl. I'm one of the financial advisers here at OQ Financial. If you do wanna know a little bit more about me, you can go on the website and see a pretty picture and know a little bit more about myself. And, also, there's been a few business updates with OQ Financial there as well. So they do have a new ongoing financial services guide and ongoing services guide there as well. And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like. All all largely unchanged to just a few business updates as they're sort of growing and getting a bit bigger. Just a business changes, which is partly why you sort of end your reviews taken as long as it has to sort of come around. So I do apologize for the wait on that one. Perfect. Now I know you've done a few of these before there, Dominic. So what I'll do is I'll just run through and confirm a few of those details on your fax line again. I'll also run through a quick risk profile to see how that compares to what we've currently got you in, and then I'll also send out those documents, have a bit of conversation how things have gone the last twelve months and maybe few updates that need addressing as well. Perfect. Now you did say address unchanged. Email still Dominic. I'm gonna butcher your last name there. So at Hotmail. Exactly. Perfect. And I know you're engaged to Danielle the last time we spoke. Have you managed to to tie the knot yet? How's that going? October. Very exciting. Sure. A bit of an expense as well, but, you know, it all comes with the game. Yep. Yep. Definitely. Now I don't have a next of kin contact there for Danielle. Is there a chance that you wanted to put that down in terms that we couldn't reach you for whatever reason? Yep. And her number was yep. Yep. 855. Perfect. And then in regards to dependents, still no dependents at the moment? Maybe maybe in the future on the on the cards. Yes. Another expense, unfortunately. And I do believe, Danielle, she is a client with us as well. Correct? Yeah. Perfect. Obviously, you know, just in saying that I can't just sort of chuck her details on, which is why why I asked. Did you guys don't have an ETPA on file or, like, external third party authority to talk about each other's accounts? I can't exactly just disclose her details as weird as that does sound even though you're engaged and about to be married. Perfect. Now in regards to your role, I know you were a business development manager and you moved to a corporate sponsorship manager. Is that correct, or have you changed roles since then? Oh, perfect. And with that, has that changed your role and sort of what you do? Yep. Does that involve any sort of travel at the moment? Yep. Perfect. And so as far as your role is concerned, how much is, like, sort of on the role? I know you said about sort of once a month you were sort of traveling, so still about, like, 80% just home based and then 20% doing those trips? Okay. Yep. Understandable. So you don't even go into the office too much. You mainly work from home? Yeah. Okay. So generally sort of spending at least 70% of the time really at home when you are sort of really and what's your sort of average work week look like in terms of hours at the moment? Yeah. And with that sort of like a bit of an honorary sort of time and lose system where if you work a bit longer, you can maybe come in a bit later, things like that as well. Perfect. And as far as the employer's name, I don't believe we've got that on file. So what was that, if you don't mind me asking? Okay. Perfect. And then in regards to qualifications, because we don't have any listed, did you go to university for that? Is it mainly industry experience? Or And how long have you been in your sort of main role now versus, like, industry experience? Perfect. And as far as the manager position, how long have you been doing that as opposed to, like, just the company in general? And as far as your income's concerned, I know you're on a base about $1.25 and then with bonuses sitting around the $1.45. Is that similar, or has that had a little bit of a bump up? Yep. I'll just put, like, conservative one eighty at the moment. Obviously, like I said, it does fluctuate a little bit. Now with that income increase there as well, are you managing to to save a bit more in terms of, like, what you're putting away? Perfect. And then so at the moment, sort of, what's your amount are you really trying to put away each week to your offset or, like, savings in general? Yep. Yep. And on a weekly amount, how much is sort of going into that? Yep. And roughly, what's your sort of outgoing is looking like at the moment? Yep. Just to get the points and things like that? And currently, like you said, you paid off each week, but what's the limit on your credit card, if you don't mind me asking? Yep. And, like, apart from sort of just general expenses, there's nothing really owing on those? Perfect. And then as far as the money sitting in the offset, how much have you got sitting in the offset at the moment? Perfect. And do you have a separate savings account as well? Yes. Not a problem. To the the offset? So well and above ahead on your your current mortgage? Yep. Perfect. Now with the I know you were gonna look at, you know, potentially looking at investment property, things like that later down the track. Is that something that you sort of wanna start pursuing given that you've got a little bit of equity back in the home now and especially a bit more with the, you know, a bit of savings in the offset as well? Now something that I do see quite regularly, which is something just to be aware of, if you just go to your bank for the loans and stuff, because it is quite easy to go with the banks that you do already have the loans through, Interest earned on investment property is a deduction. Interest earned on primary residences is not. So say if you pay off this home fully, you take out a new loan and the loan solely against the new PPR, then you're not getting a deduction for the interest versus having, you know, a loan still attached to what becomes your investment property versus the what would be your primary residence. So you do get that allowable deduction because of, like, the investment structure and the way things are in Australia at the moment. A 100% of interest on investment properties still is a deduction. I don't know what they'll change, but they're talking about capital gains changing and things like that with investments and investment properties. There's there's multiple ways to do it. Obviously, it's more of a mortgage broker space and how to structure that as opposed to just, like, going to your bank. That's why I was just giving you the fore forewarning. We can refer you on to a few partners here that we do work with, and they'll tell you the best way of sort of structuring it. Now yeah. Okay. Yeah. Not a not a problem. Yeah. So, like, even sort of potentially, like, refinancing on your current loan to be able to draw down and then making it the investment versus, like and then using that to purchase and build or buy your your new home. And then, obviously, you get a split loan or majority of the loan attached to what is now your investment property. So all things just to be mindful of. Obviously, if you're using a broker, it's sort of they're likely to tell you the same sort of thing and structure it for you versus, like, if you just went down to your bank that your current loan's with and be like, I wanna refinance and buy or whatever, then the likelihood that they tell you the best way to do it is quite slim. If they're getting the loan, they don't really care whether or not you're getting a tax deduction, whereas a broker is a bit more friendly to make it work a bit harder for you. Just something to be mindful of there. Perfect. In regards to your HECS debt, have you managed to fully wipe that one off? Perfect. I just had that sort of lingering now. I wasn't sure if that was paid off or not. Car worth around the 35. Obviously, a bit of depreciation, but that's probably, you know, similar ish. Yep. And then with your primary residence currently, how much do you reckon that's worth with the current market versus how much you have left owing on that one? Yep. Okay. Perfect. And then as far as any other assets that we're not sort of made aware of currently, is there anything else that you've got that we're not aware of? Any caravans, campers, things like that? Perfect. And so if you've answered these on previously, they've just obviously beefed out the workbook a little bit, but you haven't declared bankruptcy or entered a part nine debt agreement before? Right. And then as far as health concern for the year, largely well, not smoking, still no medications, no injuries. Brilliant. And have you looked at sort of private health, or do you have any private health currently? Is that just hospitals and extras or just extras? I mean, was that just once you hit 30, you're like, I better get that so I'm not paying the additional? Yeah. So, obviously, either Medicare levy is one thing. And then also, if you don't have it, not a lot of people know before the age of, like, 30 or turning your 30 birthday. Basically, the cost of purchasing private health insurance goes up with that. You get, like, slap with a percentage on top of that, which is like, which is stupid because they still want people to get private health. But every year after the age of 30, it's sort of disincentivizing people that don't have it to get it because you pay more of a premium. And that and that does stay there for for ten years. Like, if you were to sort of get at the age of 32, you're still paying that for another ten years of that loading until it goes away, which which in my mind is not too fantastic. But, you know, it doesn't affect you because you've currently got it. It's fantastic. And currently, I know you don't have a will in place, but, you know, the fact that you are getting married at the end of the year would void any wills you currently have anyway. So is that something you plan on doing after you get married? Or Yeah. In saying that, like, obviously, it's a bit more, but no one's really wanna think about the worst case. Like you said, you're on the younger sides in Knockwood. Nothing does happen. But when it comes to estates and settling estates, you'd be surprised how messy they get even with the the most close knit of families. In saying that, though, it's no point doing it before the marriage because marriage would nullify the will anyway. So, yeah, after you get married, there's definitely sort of you should think about potentially getting getting one. And as far as being a tax resident, you're not a tax resident for any other country or jurisdiction at the moment? Perfect. And then with in regards to this question, it's a little bit odd, but you're not politically exposed, or you don't have any friends or family in politics or yourself? Yeah. It's to do with, like, like, anti money laundering type deals and then also security risks. So not only do we have to be more mindful of politicians and where they receive their money from to, you know, combat if they were doing something dodgy, not to say that I've seen it in any circumstances. But then also, like, they have a lot more details online, so it's a lot easier to try and impersonate those people in politics. It doesn't mean a whole heap. It just means we take if you, like, said yes, we just take a few extra precautions in terms of, like, your file, the security around your file being that you are, like, in that exposed sort of space as, like, someone in that. Yeah. And then also, we'd keep an eye if you're receiving any sort of lump random sums in regards to if I you came to me and said, I want to invest half $1,000,000 that I've just gotten out of thin air, then it would sort of ring some alarm bells that, you know, maybe getting some kickbacks. But as I said, definitely have not seen it yet, but we just included anyway. Great. And then as far as goals that you're working towards, obviously, the the wedding's the main thing there, potentially looking at an investment property, you know, in the next sort of couple of years. But is there anything else that you're sort of working towards? Yep. Perfect. And as far as anything else that you're sort of working towards, is there anything else that you're sort of trying to accomplish in the next sort of few years? Brilliant. Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there. So you've made direct shares, so I'll tick that box for you. And you're still investing for the long term. Obviously, you're on the younger side of things, so investing for the future. Yeah. Yep. Definitely. They're giving your age. You can weather those sort of dips in the market. Now in regards to risk in general, would you rate yourself as sort of a high risk taker or a very high risk taker? Or yep. Yep. No. Understandable. And then in regards to, like, if you were to take on an investment, say, your share portfolio and then six months down the line just due to what's occurring, like, in the the markets in general, it dropped by 20%. You know? So there's another sort of world war breaking out. How do you think you'd react to that one? Would you still, you know, stay invested and hold that investment? Do you reckon you'd sort of look to to sell and be a bit more secure or maybe even chuck a bit more into the downturn? Yep. Yep. No. I completely understand that. And then in regards to, like, your performance over time, was you aiming for the higher performance? But with events like COVID and those sort of things that did occur, did that make you a little cautious at all at anything with that? Financials perspective in terms of, like, superannuation, obviously, took a bit of a hit and a bit of a backward step there. Yep. Not a problem. Bit out of sight out of mind. That's fine. And in regards to taking out loans to invest, obviously, you've got the property and then potentially investment property down the future. But would you ever put borrowed money into things like a share portfolio once you sort of become a bit more secure and have a bit less debt associated with your property? Nope. That's perfectly fine. So it still does bring you out as a high growth investor, and that's still about that ninetyten split, about 90% in, like, investing in growth assets, about 10% defensive, which is more than appropriate for your age there and sort of aiming for those longer returns over over time even though it does experience a little bit more volatility. Perfect. Now in regards to your current performance there as well, now I'm not too sure if you've looked at your super recently. It was doing quite well until sort of the end of last year with everything that has occurred in the last few months in the the political space there as well. In addition to that one that hasn't really helped in regards to that is I'm not too sure if you've heard about Dentalong or its underlying investment that it has in corporate traveler. Now they were done for not reporting correctly, and as a result, were put on a trading hold. It caused Benelon to have to reevaluate that stock. The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth. And then also a bit of consumer confidence was lost in that, which did cause quite a backward step in regard yeah. And then coupled with the wars that were not sort of full wars, but the conflicts that are going on, you know, Venezuela, Iran, in conjunction with that, the tech bubble has slightly corrected a little bit there as well. So it also in the one sort of space there. Now in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update. I can let you know sort of as the result of Benelon and sort of at least the last year and a bit of their performance and how they have been managing coupled with that underlying investment. They are sort of moving away from Bennelong. Now it is a bit of a a loss in terms of the Bennelong amount. Since in inception there, it, like, hasn't been doing too well. And given that it makes up, like, a good portion of your portfolio, given that you're in one of those older portfolios that did go a little bit more aggressive in those actively managed funds to pull that higher growth and that higher risk, we'd be looking to either reproduce that slightly just with everything going on in terms of the active management, or you can look to go fully, like, passive in your investments, which does come at a lower cost. You aim to track the indexes. Now I'm not too sure how much you've sort of looked into the the share market and things like that. So an index basically tracks like a portion or an industry. So the S and P 500 tracks the top 500 companies in America, whereas exactly whereas the the actively managed funds basically pick winners. They try and find value in the market, whether that be, you know, based on the company share holdings of the market, how they're performing in terms of income and profit shares. It just depends on what the fund manager is obviously doing in terms of what they're looking for in the market to try and outperform the market, which does come at a higher cost than when they don't do too well like Benelung. And given that it is a significant portion of your portfolio, it doesn't turn out too well. Now so we can either look to to change that up a little bit in terms of looking at another active alternative for that and maybe sort of adjusting the weighting. So when things like this do occur, they don't affect your balance as much as it has the last year. Or we Yeah. It was around the 30%. Obviously, I can't sorta explain why that was chosen in the first place because I wasn't the adviser to do it, and it was quite some time ago. I wasn't even at the company back then as a business, obviously, in the conversation you have with your adviser in terms of the level of risk you were willing to take at that time led to the higher allocation to that actively managed fund. But myself, I'd rather have, like, it be more of a satellite where it sits around the sort of 10 to 15% even that when it does have bad years, like, within the actively managed portion, that it doesn't significantly affect your portfolio as it has now. No. As one of the advisers that what I'll do basically from this, I'll get some notes started. They'll do the research, and they'll look at updating that. And then from there, just given the few business changes, everything, there's a bit of a backlog for one. We will sort of look at doing it as quick as possible. Given that and that you've already sort of experienced that huge 20% dip that did occur with Benelon around that November mark, if anything, we're hoping that, you know, within that time frame, it does recruit some of that. But there's no sort of conviction moving forward with Benelon that it will sort of recover a significant raise to make it worth holding it, if that makes sense. Yeah. Because, obviously, the like, the cardinal sin is basically sell low by high, but in terms of, like, if you don't believe in the investment, sometimes holding it and flogging that dead horse isn't worth it at the end of the day as well. Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense. Perfect. Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit. So this will just be going to that email I stated earlier there. And I'll just have a copy of your ongoing service agreement, a tax file opt in form as well. In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits. Where it's at previously would just be redacted, and we'll just have it on the one nice form. In the event that ever you did leave, then your tax file number is just in that one spot. In addition to that, you will have a copy of, you know, the new CV of currency for insurances, performance report for last twelve months, the new services guide and financial services guide. You'll have a little Vanguard chart to show you those tips and everything in the market over that twenty to thirty year period there as well. So I'll just send that quickly before I forget. If you do have any questions after you go through those documents as well, feel free to give us a callback and, like, sort of if you're sort of unhappy with the ongoing service agreement or anything like that, feel free to give us a call, have a discussion around that. Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate. I believe the update actually should probably check that for you. Bear with me two seconds. As an ongoing client with a partner on board, they have brought out a coupling fee. So yeah. And that has been applied to that new ongoing service agreement. So it drops from 1.65 down to the 1.1%, which is a bit of a bonus. Moving forward, you'll be charged that little bit less, which is fantastic. Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover. I did say that number a bit odd, apologies for that one. And as a monthly benefit, you have $7,621 as a monthly benefit. Now given your income increase, you could look at adjusting that and increasing that to where it covers around the 70% of your current income, which would mean reviewing your insurances as a whole. Or you could look to do what's called a life event increase, and you can increase cover up to, like, 25% or there's a flat amount. I can't remember off the top of my head for Clearview in terms of trying to get a bit closer to the monthly benefit that is 70% of your current income. Because 70% of even just your base salary of the $1.55 sits at a monthly benefit around 9,000. Now the the thing with that, obviously, is if you do increase that benefit monthly benefit amount, it obviously comes at a higher cost, and income protection is the more expensive portion of your cover. And then with that as well, your benefit period is all up to the age of 65. So it's quite a comprehensive in terms of the benefit period. So if you did wanna increase it to that 70%, you could also look at potentially adjusting the benefit period, maybe down to the five year mark. Because sometimes the likelihood if you're on a claim for five years, you may not ever return to work after that five years, if that makes sense as well. The other insurance you don't have currently, which I'm not too sure how much was talked about in the past there as well as trauma cover. Did they sort of do you remember trauma cover or the conversation surrounding that or what it covers for? Okay. Not a problem. So trauma cover is like a lump sum benefit. Similar to, like, total permanent disability, it is a lump sum payment. Now with in regards to that, it is paid out of pocket. It can't be paid through superannuation like your other insurances, but it kind of is the bridge gap between income protection and total permanent disability. Now it covers for traumatic events, things like heart attacks, strokes, and, obviously, it depends a little bit on the the PDF of the product and what the conditions list and how many they actually cover. But it covers for those events in life. Say, you had a stroke tomorrow and you're injured to where you can't work, but it's minor and you can go back to work, say, within a month, you might not get to claim on an income protection policy. You may be medically cleared to go back to work. You may not end up being totally permanently disabled from that, Whereas the trauma policy would still pay out because you met a condition of the release. It's less of the you're too injured or sick to be able to return to work or you're unable to ever return to work with total permanent disability. It just means if you cover that condition, it ticks a box, you get the payment, if that makes sense. So it can be one of the more claimed on insurances because, obviously, you know, if you get diagnosed with a type of cancer that can be cured sort of with the, you know, getting cut out or a bit of, you know, chemotherapy, there is well, you may still be having to work during that period because you're not sick enough to where you can't work, but then you're not getting any sort of payment, whereas that trauma insurance helps with that and sort of facilitating some time off work and then also, you know, some medical costs and things like that as well. Yep. If you do wanna review your insurances now, we can have a look at that. Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date. I don't wanna sort of put you on the spot and say review these now. Because in terms of the life and total permanent disability, it's more than adequate for your level of debt. Your income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue. You don't have to cover for 70% of your income. That's just the maximum you can cover for, if that makes sense as well. Yep. That's more than fine. If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection. Your policy reviews in April, the April 12, within thirty days of that renewal there, you can look at doing those future event increases. So you could even look to do, like, a 15% increase of the income protection just to bump that up just a little bit. So feel free to to have a think about it if you do wanna at least bump up the inspection in terms of the monthly benefit amount or your life and TPD. That's your option between that with that life event increase and having your income jump up as well. But, yeah, make sure if you do wanna do it, just give us a call before that that period. So April. If you ever think, you know, actually, I do want some more income protection. Feel free to give us a call because otherwise, you do have to go through underwriting, if that makes sense. Not a problem. A few other outstanding there's as well. Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well. Make sure you're still live kicking in. You know, we're not providing advice to people's data states and things like that or getting a fee. As in, like, the one you provided originally back in 2022 has expired in terms of, like, you've probably renewed your license in that time frame, and the one that sits on file is expired, if that makes sense. We can just shoot you an email. Do you provide a front and back copy of just your even a driver's license or a passport? Then we can just update that on file. We just hold on file, confirm it is a valid document, and then it just sits there and make sure that you're still alive and kicking in a real person. At the moment as well, in regards to your fees, they are currently off. So congratulations. You did get due to the time that has elapsed within your last interview and now, a bit of a discount there. We're not gonna retroactively try and back pay any of those fees. It just means you got a bit of that discount. And then moving forward, you're paying in the 1.1 anyway. So happy days. You saved a little bit on adviser fees there as well. I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus. No problem. But in regards to anything else that you wanted to discuss there at all, Dominic, or any questions you had, is there anything I haven't covered that you wanna have a chat about? Not a problem at all. As I said, I'll get a start on just that, like, investment review there for you. We'll even probably review just your account as well in general to see if there's maybe a better super fund as well given the time elapsed and time since you've been on board and see if that's worth updating as well. Otherwise, we'll leave everything else as sort of a count accountability partners in terms of, like, your future and what you're trying to achieve. Obviously, you're quite good with your money, and you don't really need to be doing a budget with this or anything like that and, you know, monitoring your debt. A good tool, though, is your Money Smart calculator. I'm not sure if you played around on that or not, but you can jump on there and just punch in your sort of loan details, how much you've got left, what you're looking to sort of pay off, and in what time frames, and it can really sort of give you some some mark to hit. Like you said, you wanna hit that sort of $2.82 90 mark. You could just sort of punch in what you currently got and where you're trying to get and sort of play around with the figures and see what you have to hit to make that sort of happen. MoneySmart mortgage calculator, it's quite a good little tool. It's got a few calculators on there. But, yeah, definitely jump on, have a play around with it. If you got any questions in regards to that, feel free to to give us a call as well. Yeah. It'll just come up as, like, mortgage calculator if you type in Money Smart mortgage calculator, and you can just punch in your details and away you go. Brilliant. And then as far as the size sacrifice, I didn't really touch on that, but you're happy just doing your 200 per month? You don't really wanna look at changing that or anything? Perfect. With the income increase anyway, you're contributing a bit more, so happy days. Not a problem. Well, thanks for your time, Dominic. I probably took up a little bit more time than you were expecting, but you enjoy the rest of the afternoon. Cheers. No problem. I'll catch you later. Thanks. 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afternoon, Dominic. It's Carl calling from from Oakview Financial in regards to your annual review. How's it going? Is now is now still a good time for you? Brilliant.\n\nNow just to get started on that one, Dominic, if I could just pass you security with that name, date of birth, and current address, we can get stuck into that one today. Great. Thanks for that one, Dominic. Now I don't believe we've spoken previously, sir. As I said, my name is Carl.\n\nI'm one of the financial advisers here at OQ Financial. If you do wanna know a little bit more about me, you can go on the website and see a pretty picture and know a little bit more about myself. And, also, there's been a few business updates with OQ Financial there as well. So they do have a new ongoing financial services guide and ongoing services guide there as well. And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like.\n\nAll all largely unchanged to just a few business updates as they're sort of growing and getting a bit bigger. Just a business changes, which is partly why you sort of end your reviews taken as long as it has to sort of come around. So I do apologize for the wait on that one. Perfect. Now I know you've done a few of these before there, Dominic.\n\nSo what I'll do is I'll just run through and confirm a few of those details on your fax line again. I'll also run through a quick risk profile to see how that compares to what we've currently got you in, and then I'll also send out those documents, have a bit of conversation how things have gone the last twelve months and maybe few updates that need addressing as well. Perfect. Now you did say address unchanged. Email still Dominic.\n\nI'm gonna butcher your last name there. So at Hotmail. Exactly. Perfect. And I know you're engaged to Danielle the last time we spoke.\n\nHave you managed to to tie the knot yet? How's that going? October. Very exciting. Sure.\n\nA bit of an expense as well, but, you know, it all comes with the game. Yep. Yep. Definitely. Now I don't have a next of kin contact there for Danielle.\n\nIs there a chance that you wanted to put that down in terms that we couldn't reach you for whatever reason? Yep. And her number was yep. Yep. 855.\n\nPerfect. And then in regards to dependents, still no dependents at the moment? Maybe maybe in the future on the on the cards. Yes. Another expense, unfortunately.\n\nAnd I do believe, Danielle, she is a client with us as well. Correct? Yeah. Perfect. Obviously, you know, just in saying that I can't just sort of chuck her details on, which is why why I asked.\n\nDid you guys don't have an ETPA on file or, like, external third party authority to talk about each other's accounts? I can't exactly just disclose her details as weird as that does sound even though you're engaged and about to be married. Perfect. Now in regards to your role, I know you were a business development manager and you moved to a corporate sponsorship manager. Is that correct, or have you changed roles since then?\n\nOh, perfect. And with that, has that changed your role and sort of what you do? Yep. Does that involve any sort of travel at the moment? Yep.\n\nPerfect. And so as far as your role is concerned, how much is, like, sort of on the role? I know you said about sort of once a month you were sort of traveling, so still about, like, 80% just home based and then 20% doing those trips? Okay. Yep.\n\nUnderstandable. So you don't even go into the office too much. You mainly work from home? Yeah. Okay.\n\nSo generally sort of spending at least 70% of the time really at home when you are sort of really and what's your sort of average work week look like in terms of hours at the moment? Yeah. And with that sort of like a bit of an honorary sort of time and lose system where if you work a bit longer, you can maybe come in a bit later, things like that as well. Perfect. And as far as the employer's name, I don't believe we've got that on file.\n\nSo what was that, if you don't mind me asking? Okay. Perfect. And then in regards to qualifications, because we don't have any listed, did you go to university for that? Is it mainly industry experience?\n\nOr And how long have you been in your sort of main role now versus, like, industry experience? Perfect. And as far as the manager position, how long have you been doing that as opposed to, like, just the company in general? And as far as your income's concerned, I know you're on a base about $1.25 and then with bonuses sitting around the $1.45. Is that similar, or has that had a little bit of a bump up?\n\nYep. I'll just put, like, conservative one eighty at the moment. Obviously, like I said, it does fluctuate a little bit. Now with that income increase there as well, are you managing to to save a bit more in terms of, like, what you're putting away? Perfect.\n\nAnd then so at the moment, sort of, what's your amount are you really trying to put away each week to your offset or, like, savings in general? Yep. Yep. And on a weekly amount, how much is sort of going into that? Yep.\n\nAnd roughly, what's your sort of outgoing is looking like at the moment? Yep. Just to get the points and things like that? And currently, like you said, you paid off each week, but what's the limit on your credit card, if you don't mind me asking? Yep.\n\nAnd, like, apart from sort of just general expenses, there's nothing really owing on those? Perfect. And then as far as the money sitting in the offset, how much have you got sitting in the offset at the moment? Perfect. And do you have a separate savings account as well?\n\nYes. Not a problem. To the the offset? So well and above ahead on your your current mortgage? Yep.\n\nPerfect. Now with the I know you were gonna look at, you know, potentially looking at investment property, things like that later down the track. Is that something that you sort of wanna start pursuing given that you've got a little bit of equity back in the home now and especially a bit more with the, you know, a bit of savings in the offset as well? Now something that I do see quite regularly, which is something just to be aware of, if you just go to your bank for the loans and stuff, because it is quite easy to go with the banks that you do already have the loans through, Interest earned on investment property is a deduction. Interest earned on primary residences is not.\n\nSo say if you pay off this home fully, you take out a new loan and the loan solely against the new PPR, then you're not getting a deduction for the interest versus having, you know, a loan still attached to what becomes your investment property versus the what would be your primary residence. So you do get that allowable deduction because of, like, the investment structure and the way things are in Australia at the moment. A 100% of interest on investment properties still is a deduction. I don't know what they'll change, but they're talking about capital gains changing and things like that with investments and investment properties. There's there's multiple ways to do it.\n\nObviously, it's more of a mortgage broker space and how to structure that as opposed to just, like, going to your bank. That's why I was just giving you the fore forewarning. We can refer you on to a few partners here that we do work with, and they'll tell you the best way of sort of structuring it. Now yeah. Okay.\n\nYeah. Not a not a problem. Yeah. So, like, even sort of potentially, like, refinancing on your current loan to be able to draw down and then making it the investment versus, like and then using that to purchase and build or buy your your new home. And then, obviously, you get a split loan or majority of the loan attached to what is now your investment property.\n\nSo all things just to be mindful of. Obviously, if you're using a broker, it's sort of they're likely to tell you the same sort of thing and structure it for you versus, like, if you just went down to your bank that your current loan's with and be like, I wanna refinance and buy or whatever, then the likelihood that they tell you the best way to do it is quite slim. If they're getting the loan, they don't really care whether or not you're getting a tax deduction, whereas a broker is a bit more friendly to make it work a bit harder for you. Just something to be mindful of there. Perfect.\n\nIn regards to your HECS debt, have you managed to fully wipe that one off? Perfect. I just had that sort of lingering now. I wasn't sure if that was paid off or not. Car worth around the 35.\n\nObviously, a bit of depreciation, but that's probably, you know, similar ish. Yep. And then with your primary residence currently, how much do you reckon that's worth with the current market versus how much you have left owing on that one? Yep. Okay.\n\nPerfect. And then as far as any other assets that we're not sort of made aware of currently, is there anything else that you've got that we're not aware of? Any caravans, campers, things like that? Perfect. And so if you've answered these on previously, they've just obviously beefed out the workbook a little bit, but you haven't declared bankruptcy or entered a part nine debt agreement before?\n\nRight. And then as far as health concern for the year, largely well, not smoking, still no medications, no injuries. Brilliant. And have you looked at sort of private health, or do you have any private health currently? Is that just hospitals and extras or just extras?\n\nI mean, was that just once you hit 30, you're like, I better get that so I'm not paying the additional? Yeah. So, obviously, either Medicare levy is one thing. And then also, if you don't have it, not a lot of people know before the age of, like, 30 or turning your 30 birthday. Basically, the cost of purchasing private health insurance goes up with that.\n\nYou get, like, slap with a percentage on top of that, which is like, which is stupid because they still want people to get private health. But every year after the age of 30, it's sort of disincentivizing people that don't have it to get it because you pay more of a premium. And that and that does stay there for for ten years. Like, if you were to sort of get at the age of 32, you're still paying that for another ten years of that loading until it goes away, which which in my mind is not too fantastic. But, you know, it doesn't affect you because you've currently got it.\n\nIt's fantastic. And currently, I know you don't have a will in place, but, you know, the fact that you are getting married at the end of the year would void any wills you currently have anyway. So is that something you plan on doing after you get married? Or Yeah. In saying that, like, obviously, it's a bit more, but no one's really wanna think about the worst case.\n\nLike you said, you're on the younger sides in Knockwood. Nothing does happen. But when it comes to estates and settling estates, you'd be surprised how messy they get even with the the most close knit of families. In saying that, though, it's no point doing it before the marriage because marriage would nullify the will anyway. So, yeah, after you get married, there's definitely sort of you should think about potentially getting getting one.\n\nAnd as far as being a tax resident, you're not a tax resident for any other country or jurisdiction at the moment? Perfect. And then with in regards to this question, it's a little bit odd, but you're not politically exposed, or you don't have any friends or family in politics or yourself? Yeah. It's to do with, like, like, anti money laundering type deals and then also security risks.\n\nSo not only do we have to be more mindful of politicians and where they receive their money from to, you know, combat if they were doing something dodgy, not to say that I've seen it in any circumstances. But then also, like, they have a lot more details online, so it's a lot easier to try and impersonate those people in politics. It doesn't mean a whole heap. It just means we take if you, like, said yes, we just take a few extra precautions in terms of, like, your file, the security around your file being that you are, like, in that exposed sort of space as, like, someone in that. Yeah.\n\nAnd then also, we'd keep an eye if you're receiving any sort of lump random sums in regards to if I you came to me and said, I want to invest half $1,000,000 that I've just gotten out of thin air, then it would sort of ring some alarm bells that, you know, maybe getting some kickbacks. But as I said, definitely have not seen it yet, but we just included anyway. Great. And then as far as goals that you're working towards, obviously, the the wedding's the main thing there, potentially looking at an investment property, you know, in the next sort of couple of years. But is there anything else that you're sort of working towards?\n\nYep. Perfect. And as far as anything else that you're sort of working towards, is there anything else that you're sort of trying to accomplish in the next sort of few years? Brilliant. Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there.\n\nSo you've made direct shares, so I'll tick that box for you. And you're still investing for the long term. Obviously, you're on the younger side of things, so investing for the future. Yeah. Yep.\n\nDefinitely. They're giving your age. You can weather those sort of dips in the market. Now in regards to risk in general, would you rate yourself as sort of a high risk taker or a very high risk taker? Or yep.\n\nYep. No. Understandable. And then in regards to, like, if you were to take on an investment, say, your share portfolio and then six months down the line just due to what's occurring, like, in the the markets in general, it dropped by 20%. You know?\n\nSo there's another sort of world war breaking out. How do you think you'd react to that one? Would you still, you know, stay invested and hold that investment? Do you reckon you'd sort of look to to sell and be a bit more secure or maybe even chuck a bit more into the downturn? Yep.\n\nYep. No. I completely understand that. And then in regards to, like, your performance over time, was you aiming for the higher performance? But with events like COVID and those sort of things that did occur, did that make you a little cautious at all at anything with that?\n\nFinancials perspective in terms of, like, superannuation, obviously, took a bit of a hit and a bit of a backward step there. Yep. Not a problem. Bit out of sight out of mind. That's fine.\n\nAnd in regards to taking out loans to invest, obviously, you've got the property and then potentially investment property down the future. But would you ever put borrowed money into things like a share portfolio once you sort of become a bit more secure and have a bit less debt associated with your property? Nope. That's perfectly fine. So it still does bring you out as a high growth investor, and that's still about that ninetyten split, about 90% in, like, investing in growth assets, about 10% defensive, which is more than appropriate for your age there and sort of aiming for those longer returns over over time even though it does experience a little bit more volatility.\n\nPerfect. Now in regards to your current performance there as well, now I'm not too sure if you've looked at your super recently. It was doing quite well until sort of the end of last year with everything that has occurred in the last few months in the the political space there as well. In addition to that one that hasn't really helped in regards to that is I'm not too sure if you've heard about Dentalong or its underlying investment that it has in corporate traveler. Now they were done for not reporting correctly, and as a result, were put on a trading hold.\n\nIt caused Benelon to have to reevaluate that stock. The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth. And then also a bit of consumer confidence was lost in that, which did cause quite a backward step in regard yeah. And then coupled with the wars that were not sort of full wars, but the conflicts that are going on, you know, Venezuela, Iran, in conjunction with that, the tech bubble has slightly corrected a little bit there as well. So it also in the one sort of space there.\n\nNow in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update. I can let you know sort of as the result of Benelon and sort of at least the last year and a bit of their performance and how they have been managing coupled with that underlying investment. They are sort of moving away from Bennelong. Now it is a bit of a a loss in terms of the Bennelong amount. Since in inception there, it, like, hasn't been doing too well.\n\nAnd given that it makes up, like, a good portion of your portfolio, given that you're in one of those older portfolios that did go a little bit more aggressive in those actively managed funds to pull that higher growth and that higher risk, we'd be looking to either reproduce that slightly just with everything going on in terms of the active management, or you can look to go fully, like, passive in your investments, which does come at a lower cost. You aim to track the indexes. Now I'm not too sure how much you've sort of looked into the the share market and things like that. So an index basically tracks like a portion or an industry. So the S and P 500 tracks the top 500 companies in America, whereas exactly whereas the the actively managed funds basically pick winners.\n\nThey try and find value in the market, whether that be, you know, based on the company share holdings of the market, how they're performing in terms of income and profit shares. It just depends on what the fund manager is obviously doing in terms of what they're looking for in the market to try and outperform the market, which does come at a higher cost than when they don't do too well like Benelung. And given that it is a significant portion of your portfolio, it doesn't turn out too well. Now so we can either look to to change that up a little bit in terms of looking at another active alternative for that and maybe sort of adjusting the weighting. So when things like this do occur, they don't affect your balance as much as it has the last year.\n\nOr we Yeah. It was around the 30%. Obviously, I can't sorta explain why that was chosen in the first place because I wasn't the adviser to do it, and it was quite some time ago. I wasn't even at the company back then as a business, obviously, in the conversation you have with your adviser in terms of the level of risk you were willing to take at that time led to the higher allocation to that actively managed fund. But myself, I'd rather have, like, it be more of a satellite where it sits around the sort of 10 to 15% even that when it does have bad years, like, within the actively managed portion, that it doesn't significantly affect your portfolio as it has now.\n\nNo. As one of the advisers that what I'll do basically from this, I'll get some notes started. They'll do the research, and they'll look at updating that. And then from there, just given the few business changes, everything, there's a bit of a backlog for one. We will sort of look at doing it as quick as possible.\n\nGiven that and that you've already sort of experienced that huge 20% dip that did occur with Benelon around that November mark, if anything, we're hoping that, you know, within that time frame, it does recruit some of that. But there's no sort of conviction moving forward with Benelon that it will sort of recover a significant raise to make it worth holding it, if that makes sense. Yeah. Because, obviously, the like, the cardinal sin is basically sell low by high, but in terms of, like, if you don't believe in the investment, sometimes holding it and flogging that dead horse isn't worth it at the end of the day as well. Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense.\n\nPerfect. Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit. So this will just be going to that email I stated earlier there. And I'll just have a copy of your ongoing service agreement, a tax file opt in form as well. In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits.\n\nWhere it's at previously would just be redacted, and we'll just have it on the one nice form. In the event that ever you did leave, then your tax file number is just in that one spot. In addition to that, you will have a copy of, you know, the new CV of currency for insurances, performance report for last twelve months, the new services guide and financial services guide. You'll have a little Vanguard chart to show you those tips and everything in the market over that twenty to thirty year period there as well. So I'll just send that quickly before I forget.\n\nIf you do have any questions after you go through those documents as well, feel free to give us a callback and, like, sort of if you're sort of unhappy with the ongoing service agreement or anything like that, feel free to give us a call, have a discussion around that. Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate. I believe the update actually should probably check that for you. Bear with me two seconds. As an ongoing client with a partner on board, they have brought out a coupling fee.\n\nSo yeah. And that has been applied to that new ongoing service agreement. So it drops from 1.65 down to the 1.1%, which is a bit of a bonus. Moving forward, you'll be charged that little bit less, which is fantastic. Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover.\n\nI did say that number a bit odd, apologies for that one. And as a monthly benefit, you have $7,621 as a monthly benefit. Now given your income increase, you could look at adjusting that and increasing that to where it covers around the 70% of your current income, which would mean reviewing your insurances as a whole. Or you could look to do what's called a life event increase, and you can increase cover up to, like, 25% or there's a flat amount. I can't remember off the top of my head for Clearview in terms of trying to get a bit closer to the monthly benefit that is 70% of your current income.\n\nBecause 70% of even just your base salary of the $1.55 sits at a monthly benefit around 9,000. Now the the thing with that, obviously, is if you do increase that benefit monthly benefit amount, it obviously comes at a higher cost, and income protection is the more expensive portion of your cover. And then with that as well, your benefit period is all up to the age of 65. So it's quite a comprehensive in terms of the benefit period. So if you did wanna increase it to that 70%, you could also look at potentially adjusting the benefit period, maybe down to the five year mark.\n\nBecause sometimes the likelihood if you're on a claim for five years, you may not ever return to work after that five years, if that makes sense as well. The other insurance you don't have currently, which I'm not too sure how much was talked about in the past there as well as trauma cover. Did they sort of do you remember trauma cover or the conversation surrounding that or what it covers for? Okay. Not a problem.\n\nSo trauma cover is like a lump sum benefit. Similar to, like, total permanent disability, it is a lump sum payment. Now with in regards to that, it is paid out of pocket. It can't be paid through superannuation like your other insurances, but it kind of is the bridge gap between income protection and total permanent disability. Now it covers for traumatic events, things like heart attacks, strokes, and, obviously, it depends a little bit on the the PDF of the product and what the conditions list and how many they actually cover.\n\nBut it covers for those events in life. Say, you had a stroke tomorrow and you're injured to where you can't work, but it's minor and you can go back to work, say, within a month, you might not get to claim on an income protection policy. You may be medically cleared to go back to work. You may not end up being totally permanently disabled from that, Whereas the trauma policy would still pay out because you met a condition of the release. It's less of the you're too injured or sick to be able to return to work or you're unable to ever return to work with total permanent disability.\n\nIt just means if you cover that condition, it ticks a box, you get the payment, if that makes sense. So it can be one of the more claimed on insurances because, obviously, you know, if you get diagnosed with a type of cancer that can be cured sort of with the, you know, getting cut out or a bit of, you know, chemotherapy, there is well, you may still be having to work during that period because you're not sick enough to where you can't work, but then you're not getting any sort of payment, whereas that trauma insurance helps with that and sort of facilitating some time off work and then also, you know, some medical costs and things like that as well. Yep. If you do wanna review your insurances now, we can have a look at that. Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date.\n\nI don't wanna sort of put you on the spot and say review these now. Because in terms of the life and total permanent disability, it's more than adequate for your level of debt. Your income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue. You don't have to cover for 70% of your income. That's just the maximum you can cover for, if that makes sense as well.\n\nYep. That's more than fine. If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection. Your policy reviews in April, the April 12, within thirty days of that renewal there, you can look at doing those future event increases. So you could even look to do, like, a 15% increase of the income protection just to bump that up just a little bit.\n\nSo feel free to to have a think about it if you do wanna at least bump up the inspection in terms of the monthly benefit amount or your life and TPD. That's your option between that with that life event increase and having your income jump up as well. But, yeah, make sure if you do wanna do it, just give us a call before that that period. So April. If you ever think, you know, actually, I do want some more income protection.\n\nFeel free to give us a call because otherwise, you do have to go through underwriting, if that makes sense. Not a problem. A few other outstanding there's as well. Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well. Make sure you're still live kicking in.\n\nYou know, we're not providing advice to people's data states and things like that or getting a fee. As in, like, the one you provided originally back in 2022 has expired in terms of, like, you've probably renewed your license in that time frame, and the one that sits on file is expired, if that makes sense. We can just shoot you an email. Do you provide a front and back copy of just your even a driver's license or a passport? Then we can just update that on file.\n\nWe just hold on file, confirm it is a valid document, and then it just sits there and make sure that you're still alive and kicking in a real person. At the moment as well, in regards to your fees, they are currently off. So congratulations. You did get due to the time that has elapsed within your last interview and now, a bit of a discount there. We're not gonna retroactively try and back pay any of those fees.\n\nIt just means you got a bit of that discount. And then moving forward, you're paying in the 1.1 anyway. So happy days. You saved a little bit on adviser fees there as well. I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus.\n\nNo problem. But in regards to anything else that you wanted to discuss there at all, Dominic, or any questions you had, is there anything I haven't covered that you wanna have a chat about? Not a problem at all. As I said, I'll get a start on just that, like, investment review there for you. We'll even probably review just your account as well in general to see if there's maybe a better super fund as well given the time elapsed and time since you've been on board and see if that's worth updating as well.\n\nOtherwise, we'll leave everything else as sort of a count accountability partners in terms of, like, your future and what you're trying to achieve. Obviously, you're quite good with your money, and you don't really need to be doing a budget with this or anything like that and, you know, monitoring your debt. A good tool, though, is your Money Smart calculator. I'm not sure if you played around on that or not, but you can jump on there and just punch in your sort of loan details, how much you've got left, what you're looking to sort of pay off, and in what time frames, and it can really sort of give you some some mark to hit. Like you said, you wanna hit that sort of $2.82 90 mark.\n\nYou could just sort of punch in what you currently got and where you're trying to get and sort of play around with the figures and see what you have to hit to make that sort of happen. MoneySmart mortgage calculator, it's quite a good little tool. It's got a few calculators on there. But, yeah, definitely jump on, have a play around with it. If you got any questions in regards to that, feel free to to give us a call as well.\n\nYeah. It'll just come up as, like, mortgage calculator if you type in Money Smart mortgage calculator, and you can just punch in your details and away you go. Brilliant. And then as far as the size sacrifice, I didn't really touch on that, but you're happy just doing your 200 per month? You don't really wanna look at changing that or anything?\n\nPerfect. With the income increase anyway, you're contributing a bit more, so happy days. Not a problem. Well, thanks for your time, Dominic. I probably took up a little bit more time than you were expecting, but you enjoy the rest of the afternoon.\n\nCheers. No problem. I'll catch you later. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Dominic.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.3020663360754649},{"text":"It's Carl calling from from Oakview Financial in regards to your annual review.","start":3.28,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.08665530698803756},{"text":"How's it going?","start":9.28,"end":10.26,"sentiment":"neutral","sentiment_score":0.16947729885578156},{"text":"Is now is now still a good time for you?","start":10.8,"end":13.275,"sentiment":"neutral","sentiment_score":0.32362641096115113},{"text":"Brilliant.","start":15.115,"end":15.615,"sentiment":"positive","sentiment_score":0.7235420942306519}],"sentiment":"neutral","sentiment_score":0.21669853664934635,"num_words":30,"start":2.48,"end":15.615},{"sentences":[{"text":"Now just to get started on that one, Dominic, if I could just pass you security with that name, date of birth, and current address, we can get stuck into that one today.","start":15.995,"end":22.335,"sentiment":"neutral","sentiment_score":0.23759419854843256},{"text":"Great.","start":29.130001,"end":29.45,"sentiment":"positive","sentiment_score":0.6091891527175903},{"text":"Thanks for that one, Dominic.","start":29.45,"end":30.57,"sentiment":"positive","sentiment_score":0.5977584719657898},{"text":"Now I don't believe we've spoken previously, sir.","start":30.57,"end":33.47,"sentiment":"neutral","sentiment_score":-0.02430079714395106},{"text":"As I said, my name is Carl.","start":33.690002,"end":34.73,"sentiment":"neutral","sentiment_score":-0.008608583760048662}],"sentiment":"neutral","sentiment_score":0.207109696318016,"num_words":54,"start":15.995,"end":34.73},{"sentences":[{"text":"I'm one of the financial advisers here at OQ Financial.","start":34.73,"end":37.23,"sentiment":"neutral","sentiment_score":0.010825409740209579},{"text":"If you do wanna know a little bit more about me, you can go on the website and see a pretty picture and know a little bit more about myself.","start":38.09,"end":44.754997,"sentiment":"neutral","sentiment_score":0.03893599696457386},{"text":"And, also, there's been a few business updates with OQ Financial there as well.","start":44.975,"end":48.574997,"sentiment":"neutral","sentiment_score":0.05494636456881251},{"text":"So they do have a new ongoing financial services guide and ongoing services guide there as well.","start":48.574997,"end":54.98,"sentiment":"neutral","sentiment_score":0.07573673435870339},{"text":"And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like.","start":55.36,"end":60.98,"sentiment":"neutral","sentiment_score":0.12990431269181185}],"sentiment":"neutral","sentiment_score":0.07100332662463188,"num_words":100,"start":34.73,"end":60.98},{"sentences":[{"text":"All all largely unchanged to just a few business updates as they're sort of growing and getting a bit bigger.","start":61.76,"end":66.585,"sentiment":"neutral","sentiment_score":-0.033049661479890344},{"text":"Just a business changes, which is partly why you sort of end your reviews taken as long as it has to sort of come around.","start":66.825,"end":73.225,"sentiment":"neutral","sentiment_score":-0.08409374490380288},{"text":"So I do apologize for the wait on that one.","start":73.225,"end":75.244995,"sentiment":"neutral","sentiment_score":-0.16841786056756974},{"text":"Perfect.","start":77.385,"end":77.885,"sentiment":"positive","sentiment_score":0.36635902523994446},{"text":"Now I know you've done a few of these before there, Dominic.","start":78.025,"end":80.37,"sentiment":"neutral","sentiment_score":0.08007885857174794}],"sentiment":"neutral","sentiment_score":-0.04588544308481848,"num_words":68,"start":61.76,"end":80.37},{"sentences":[{"text":"So what I'll do is I'll just run through and confirm a few of those details on your fax line again.","start":80.37,"end":84.47,"sentiment":"neutral","sentiment_score":0.11115651897021703},{"text":"I'll also run through a quick risk profile to see how that compares to what we've currently got you in, and then I'll also send out those documents, have a bit of conversation how things have gone the last twelve months and maybe few updates that need addressing as well.","start":84.53,"end":96.725,"sentiment":"neutral","sentiment_score":0.07691601432859897},{"text":"Perfect.","start":98.625,"end":99.125,"sentiment":"positive","sentiment_score":0.41017913818359375},{"text":"Now you did say address unchanged.","start":99.424995,"end":101.685,"sentiment":"neutral","sentiment_score":0.1255399982134501},{"text":"Email still Dominic.","start":101.905,"end":103.045,"sentiment":"neutral","sentiment_score":0.041874684393405914}],"sentiment":"neutral","sentiment_score":0.09221149130183974,"num_words":81,"start":80.37,"end":103.045},{"sentences":[{"text":"I'm gonna butcher your last name there.","start":103.265,"end":104.945,"sentiment":"neutral","sentiment_score":0.03834353068045208},{"text":"So at Hotmail.","start":104.945,"end":107.205,"sentiment":"neutral","sentiment_score":0.038787662982940674},{"text":"Exactly.","start":108.479996,"end":108.88,"sentiment":"neutral","sentiment_score":0.2988237142562866},{"text":"Perfect.","start":108.88,"end":109.38,"sentiment":"positive","sentiment_score":0.5280541181564331},{"text":"And I know you're engaged to Danielle the last time we spoke.","start":110.24,"end":113.03999,"sentiment":"neutral","sentiment_score":0.20275338739156723}],"sentiment":"neutral","sentiment_score":0.15186192436764637,"num_words":24,"start":103.265,"end":113.03999},{"sentences":[{"text":"Have you managed to to tie the knot yet?","start":113.03999,"end":114.71999,"sentiment":"neutral","sentiment_score":0.15801279495159784},{"text":"How's that going?","start":114.71999,"end":115.7,"sentiment":"neutral","sentiment_score":0.17037489513556162},{"text":"October.","start":118.64,"end":119.14,"sentiment":"positive","sentiment_score":0.36404114961624146},{"text":"Very exciting.","start":119.36,"end":120.17999,"sentiment":"positive","sentiment_score":0.5913005769252777},{"text":"Sure.","start":120.935,"end":121.095,"sentiment":"neutral","sentiment_score":0.08770114183425903}],"sentiment":"neutral","sentiment_score":0.2229739553295076,"num_words":16,"start":113.03999,"end":121.095},{"sentences":[{"text":"A bit of an expense as well, but, you know, it all comes with the game.","start":121.095,"end":124.155,"sentiment":"neutral","sentiment_score":-0.09786323364824057},{"text":"Yep.","start":137.99,"end":138.39,"sentiment":"neutral","sentiment_score":-0.08290155977010727},{"text":"Yep.","start":138.39,"end":138.89,"sentiment":"neutral","sentiment_score":-0.042365819215774536},{"text":"Definitely.","start":139.59,"end":140.09,"sentiment":"neutral","sentiment_score":-0.023911012336611748},{"text":"Now I don't have a next of kin contact there for Danielle.","start":140.63,"end":145.05,"sentiment":"neutral","sentiment_score":-0.25380118812123936}],"sentiment":"neutral","sentiment_score":-0.15356788345642627,"num_words":31,"start":121.095,"end":145.05},{"sentences":[{"text":"Is there a chance that you wanted to put that down in terms that we couldn't reach you for whatever reason?","start":146.015,"end":150.355,"sentiment":"neutral","sentiment_score":-0.20221000909805298},{"text":"Yep.","start":153.135,"end":153.61499,"sentiment":"neutral","sentiment_score":0.012715923599898815},{"text":"And her number was yep.","start":153.61499,"end":158.19499,"sentiment":"neutral","sentiment_score":0.008563578687608242},{"text":"Yep.","start":160.95,"end":161.45,"sentiment":"neutral","sentiment_score":0.006970759015530348},{"text":"855.","start":163.51,"end":164.47,"sentiment":"neutral","sentiment_score":0.007708088960498571}],"sentiment":"neutral","sentiment_score":-0.144006811242936,"num_words":29,"start":146.015,"end":164.47},{"sentences":[{"text":"Perfect.","start":164.47,"end":164.97,"sentiment":"neutral","sentiment_score":0.11738578975200652},{"text":"And then in regards to dependents, still no dependents at the moment?","start":166.47,"end":170.01,"sentiment":"neutral","sentiment_score":-0.0035330800261969366},{"text":"Maybe maybe in the future on the on the cards.","start":172.565,"end":174.905,"sentiment":"neutral","sentiment_score":-0.013018160872161389},{"text":"Yes.","start":179.205,"end":179.44499,"sentiment":"neutral","sentiment_score":-0.02000802755355835},{"text":"Another expense, unfortunately.","start":179.44499,"end":181.545,"sentiment":"neutral","sentiment_score":-0.19526093204816183}],"sentiment":"neutral","sentiment_score":-0.024480874184519053,"num_words":27,"start":164.47,"end":181.545},{"sentences":[{"text":"And I do believe, Danielle, she is a client with us as well.","start":184.66,"end":187.7,"sentiment":"neutral","sentiment_score":-0.10288399343307202},{"text":"Correct?","start":187.7,"end":188.2,"sentiment":"neutral","sentiment_score":-0.05777673050761223},{"text":"Yeah.","start":193.22,"end":193.62,"sentiment":"neutral","sentiment_score":0.03937870264053345},{"text":"Perfect.","start":193.62,"end":194.12,"sentiment":"neutral","sentiment_score":0.09678662568330763},{"text":"Obviously, you know, just in saying that I can't just sort of chuck her details on, which is why why I asked.","start":194.18001,"end":199.58499,"sentiment":"neutral","sentiment_score":-0.19802667031233961}],"sentiment":"neutral","sentiment_score":-0.14778131746539944,"num_words":38,"start":184.66,"end":199.58499},{"sentences":[{"text":"Did you guys don't have an ETPA on file or, like, external third party authority to talk about each other's accounts?","start":199.645,"end":204.44499,"sentiment":"neutral","sentiment_score":-0.16715027001642047},{"text":"I can't exactly just disclose her details as weird as that does sound even though you're engaged and about to be married.","start":204.44499,"end":210.465,"sentiment":"neutral","sentiment_score":-0.3083078888329593},{"text":"Perfect.","start":214.22,"end":214.72,"sentiment":"neutral","sentiment_score":-0.009200665168464184},{"text":"Now in regards to your role, I know you were a business development manager and you moved to a corporate sponsorship manager.","start":215.74,"end":221.82,"sentiment":"neutral","sentiment_score":0.005480147220871665},{"text":"Is that correct, or have you changed roles since then?","start":221.82,"end":224.205,"sentiment":"neutral","sentiment_score":0.0010557490400969981}],"sentiment":"neutral","sentiment_score":-0.13382906790234542,"num_words":76,"start":199.645,"end":224.205},{"sentences":[{"text":"Oh, perfect.","start":233.645,"end":234.385,"sentiment":"positive","sentiment_score":0.3719951659440994},{"text":"And with that, has that changed your role and sort of what you do?","start":235.005,"end":238.385,"sentiment":"neutral","sentiment_score":0.1581635203744684},{"text":"Yep.","start":249.22,"end":249.54,"sentiment":"neutral","sentiment_score":0.03786570206284523},{"text":"Does that involve any sort of travel at the moment?","start":249.54,"end":251.72,"sentiment":"neutral","sentiment_score":0.013153215683996678},{"text":"Yep.","start":262.785,"end":263.285,"sentiment":"neutral","sentiment_score":0.2097749412059784}],"sentiment":"neutral","sentiment_score":0.11919472918712667,"num_words":28,"start":233.645,"end":263.285},{"sentences":[{"text":"Perfect.","start":265.04,"end":265.54,"sentiment":"positive","sentiment_score":0.4449655413627625},{"text":"And so as far as your role is concerned, how much is, like, sort of on the role?","start":265.68002,"end":270.1,"sentiment":"neutral","sentiment_score":0.13954244802395502},{"text":"I know you said about sort of once a month you were sort of traveling, so still about, like, 80% just home based and then 20% doing those trips?","start":270.16,"end":278.5,"sentiment":"neutral","sentiment_score":0.05842497264002931},{"text":"Okay.","start":288.435,"end":288.935,"sentiment":"neutral","sentiment_score":0.09897789359092712},{"text":"Yep.","start":289.395,"end":289.795,"sentiment":"neutral","sentiment_score":0.0966491922736168}],"sentiment":"neutral","sentiment_score":0.09693361796438694,"num_words":50,"start":265.04,"end":289.795},{"sentences":[{"text":"Understandable.","start":289.795,"end":290.295,"sentiment":"neutral","sentiment_score":0.11857208609580994},{"text":"So you don't even go into the office too much.","start":290.515,"end":292.435,"sentiment":"neutral","sentiment_score":-0.0030627803876996052},{"text":"You mainly work from home?","start":292.435,"end":293.79,"sentiment":"neutral","sentiment_score":0.031718304753303526},{"text":"Yeah.","start":305.71002,"end":305.95,"sentiment":"neutral","sentiment_score":0.03620327264070511},{"text":"Okay.","start":305.95,"end":306.43,"sentiment":"neutral","sentiment_score":0.039509642869234085}],"sentiment":"neutral","sentiment_score":0.017902706749737263,"num_words":18,"start":289.795,"end":306.43},{"sentences":[{"text":"So generally sort of spending at least 70% of the time really at home when you are sort of really and what's your sort of average work week look like in terms of hours at the moment?","start":306.43,"end":317.775,"sentiment":"neutral","sentiment_score":0.05519892365948574},{"text":"Yeah.","start":347.31998,"end":347.56,"sentiment":"neutral","sentiment_score":0.05272699147462845},{"text":"And with that sort of like a bit of an honorary sort of time and lose system where if you work a bit longer, you can maybe come in a bit later, things like that as well.","start":347.56,"end":354.86,"sentiment":"neutral","sentiment_score":0.07100031998109173},{"text":"Perfect.","start":371.66998,"end":372.16998,"sentiment":"positive","sentiment_score":0.5909126996994019},{"text":"And as far as the employer's name, I don't believe we've got that on file.","start":372.46997,"end":375.50998,"sentiment":"neutral","sentiment_score":0.13732138648629189}],"sentiment":"neutral","sentiment_score":0.08102013739747005,"num_words":91,"start":306.43,"end":375.50998},{"sentences":[{"text":"So what was that, if you don't mind me asking?","start":375.50998,"end":377.44998,"sentiment":"neutral","sentiment_score":0.043456442281603815},{"text":"Okay.","start":385.285,"end":385.765,"sentiment":"neutral","sentiment_score":0.21910418570041656},{"text":"Perfect.","start":385.765,"end":386.265,"sentiment":"positive","sentiment_score":0.3687262237071991},{"text":"And then in regards to qualifications, because we don't have any listed, did you go to university for that?","start":387.925,"end":392.325,"sentiment":"neutral","sentiment_score":0.01766042575534237},{"text":"Is it mainly industry experience?","start":392.325,"end":393.785,"sentiment":"neutral","sentiment_score":-0.005426433123648167}],"sentiment":"neutral","sentiment_score":0.03696696544324772,"num_words":36,"start":375.50998,"end":393.785},{"sentences":[{"text":"Or And how long have you been in your sort of main role now versus, like, industry experience?","start":393.845,"end":411.875,"sentiment":"neutral","sentiment_score":-0.01302667593376504},{"text":"Perfect.","start":427.31,"end":427.71,"sentiment":"neutral","sentiment_score":0.32957565784454346},{"text":"And as far as the manager position, how long have you been doing that as opposed to, like, just the company in general?","start":427.71,"end":432.45,"sentiment":"neutral","sentiment_score":0.010436303994577864},{"text":"And as far as your income's concerned, I know you're on a base about $1.25 and then with bonuses sitting around the $1.45.","start":459.99503,"end":466.39502,"sentiment":"neutral","sentiment_score":0.03977784559934993},{"text":"Is that similar, or has that had a little bit of a bump up?","start":466.39502,"end":468.81,"sentiment":"neutral","sentiment_score":0.038587847857603004}],"sentiment":"neutral","sentiment_score":0.022441960975694925,"num_words":79,"start":393.845,"end":468.81},{"sentences":[{"text":"Yep.","start":481.945,"end":482.265,"sentiment":"neutral","sentiment_score":0.32084164023399353},{"text":"I'll just put, like, conservative one eighty at the moment.","start":482.265,"end":485.14502,"sentiment":"neutral","sentiment_score":0.33203090727329254},{"text":"Obviously, like I said, it does fluctuate a little bit.","start":485.14502,"end":487.64502,"sentiment":"neutral","sentiment_score":0.09716132208704949},{"text":"Now with that income increase there as well, are you managing to to save a bit more in terms of, like, what you're putting away?","start":488.02502,"end":495.08502,"sentiment":"neutral","sentiment_score":0.30076927423477173},{"text":"Perfect.","start":510.135,"end":510.635,"sentiment":"positive","sentiment_score":0.5957193970680237}],"sentiment":"neutral","sentiment_score":0.2708024507824411,"num_words":47,"start":481.945,"end":510.635},{"sentences":[{"text":"And then so at the moment, sort of, what's your amount are you really trying to put away each week to your offset or, like, savings in general?","start":510.695,"end":517.995,"sentiment":"neutral","sentiment_score":0.14067144771771772},{"text":"Yep.","start":531.925,"end":532.425,"sentiment":"neutral","sentiment_score":-0.08571171015501022},{"text":"Yep.","start":541.845,"end":542.32495,"sentiment":"neutral","sentiment_score":0.09407296031713486},{"text":"And on a weekly amount, how much is sort of going into that?","start":542.32495,"end":546.02496,"sentiment":"neutral","sentiment_score":0.06946261169818732},{"text":"Yep.","start":558.03,"end":558.27,"sentiment":"neutral","sentiment_score":0.12226724624633788}],"sentiment":"neutral","sentiment_score":0.11301006783138622,"num_words":44,"start":510.695,"end":558.27},{"sentences":[{"text":"And roughly, what's your sort of outgoing is looking like at the moment?","start":558.27,"end":561.65,"sentiment":"neutral","sentiment_score":0.09974128666978616},{"text":"Yep.","start":570.005,"end":570.505,"sentiment":"neutral","sentiment_score":0.24024075269699097},{"text":"Just to get the points and things like that?","start":580.9,"end":582.92004,"sentiment":"neutral","sentiment_score":0.15538748933209312},{"text":"And currently, like you said, you paid off each week, but what's the limit on your credit card, if you don't mind me asking?","start":600.13,"end":606.39,"sentiment":"neutral","sentiment_score":-0.04723964755733808},{"text":"Yep.","start":620.705,"end":621.10504,"sentiment":"neutral","sentiment_score":0.12536045908927915}],"sentiment":"neutral","sentiment_score":0.040145287523046136,"num_words":48,"start":558.27,"end":621.10504},{"sentences":[{"text":"And, like, apart from sort of just general expenses, there's nothing really owing on those?","start":621.10504,"end":625.125,"sentiment":"neutral","sentiment_score":0.04727744360764821},{"text":"Perfect.","start":628.74,"end":629.24,"sentiment":"positive","sentiment_score":0.5300027132034302},{"text":"And then as far as the money sitting in the offset, how much have you got sitting in the offset at the moment?","start":629.78,"end":633.48004,"sentiment":"neutral","sentiment_score":0.10748388051338818},{"text":"Perfect.","start":638.43506,"end":638.93506,"sentiment":"positive","sentiment_score":0.48837071657180786},{"text":"And do you have a separate savings account as well?","start":639.315,"end":642.135,"sentiment":"neutral","sentiment_score":0.09453195109963416}],"sentiment":"neutral","sentiment_score":0.10289967693388462,"num_words":50,"start":621.10504,"end":642.135},{"sentences":[{"text":"Yes.","start":646.67505,"end":647.075,"sentiment":"neutral","sentiment_score":0.1102592870593071},{"text":"Not a problem.","start":647.075,"end":647.895,"sentiment":"neutral","sentiment_score":0.1836571842432022},{"text":"To the the offset?","start":654.61,"end":656.14996,"sentiment":"neutral","sentiment_score":0.028134495485574007},{"text":"So well and above ahead on your your current mortgage?","start":664.305,"end":667.125,"sentiment":"neutral","sentiment_score":0.08032885566353798},{"text":"Yep.","start":679.2,"end":679.68,"sentiment":"neutral","sentiment_score":0.265366792678833}],"sentiment":"neutral","sentiment_score":0.09696969321291697,"num_words":19,"start":646.67505,"end":679.68},{"sentences":[{"text":"Perfect.","start":679.68,"end":680.18,"sentiment":"positive","sentiment_score":0.5076049566268921},{"text":"Now with the I know you were gonna look at, you know, potentially looking at investment property, things like that later down the track.","start":682.16003,"end":687.44,"sentiment":"neutral","sentiment_score":0.19411606527864933},{"text":"Is that something that you sort of wanna start pursuing given that you've got a little bit of equity back in the home now and especially a bit more with the, you know, a bit of savings in the offset as well?","start":687.44,"end":696.335,"sentiment":"neutral","sentiment_score":0.2321519200645742},{"text":"Now something that I do see quite regularly, which is something just to be aware of, if you just go to your bank for the loans and stuff, because it is quite easy to go with the banks that you do already have the loans through, Interest earned on investment property is a deduction.","start":729.48,"end":743.305,"sentiment":"neutral","sentiment_score":-0.015631148936571897},{"text":"Interest earned on primary residences is not.","start":743.365,"end":746.805,"sentiment":"neutral","sentiment_score":-0.12700662442616054}],"sentiment":"neutral","sentiment_score":0.10299720900366083,"num_words":128,"start":679.68,"end":746.805},{"sentences":[{"text":"So say if you pay off this home fully, you take out a new loan and the loan solely against the new PPR, then you're not getting a deduction for the interest versus having, you know, a loan still attached to what becomes your investment property versus the what would be your primary residence.","start":746.805,"end":764.63995,"sentiment":"neutral","sentiment_score":-0.10654672904422989},{"text":"So you do get that allowable deduction because of, like, the investment structure and the way things are in Australia at the moment.","start":764.69995,"end":770.375,"sentiment":"neutral","sentiment_score":0.026422501582166424},{"text":"A 100% of interest on investment properties still is a deduction.","start":770.755,"end":774.29504,"sentiment":"neutral","sentiment_score":-0.08486136387694966},{"text":"I don't know what they'll change, but they're talking about capital gains changing and things like that with investments and investment properties.","start":774.515,"end":780.215,"sentiment":"neutral","sentiment_score":-0.11889150230721994},{"text":"There's there's multiple ways to do it.","start":794.625,"end":796.545,"sentiment":"neutral","sentiment_score":0.050393985850470405}],"sentiment":"neutral","sentiment_score":-0.07130030755940665,"num_words":117,"start":746.805,"end":796.545},{"sentences":[{"text":"Obviously, it's more of a mortgage broker space and how to structure that as opposed to just, like, going to your bank.","start":796.545,"end":801.425,"sentiment":"neutral","sentiment_score":0.010068303312767635},{"text":"That's why I was just giving you the fore forewarning.","start":801.425,"end":803.205,"sentiment":"neutral","sentiment_score":0.0832065511494875},{"text":"We can refer you on to a few partners here that we do work with, and they'll tell you the best way of sort of structuring it.","start":803.265,"end":808.8,"sentiment":"neutral","sentiment_score":0.11393936433725887},{"text":"Now yeah.","start":808.8,"end":812.42,"sentiment":"neutral","sentiment_score":0.123144106939435},{"text":"Okay.","start":814.0,"end":814.5,"sentiment":"neutral","sentiment_score":0.1452142298221588}],"sentiment":"neutral","sentiment_score":0.0729263462126255,"num_words":62,"start":796.545,"end":814.5},{"sentences":[{"text":"Yeah.","start":814.56,"end":815.06,"sentiment":"neutral","sentiment_score":0.1569027155637741},{"text":"Not a not a problem.","start":815.2,"end":816.39996,"sentiment":"neutral","sentiment_score":0.2301731824874878},{"text":"Yeah.","start":816.39996,"end":816.64,"sentiment":"neutral","sentiment_score":0.07277027517557144},{"text":"So, like, even sort of potentially, like, refinancing on your current loan to be able to draw down and then making it the investment versus, like and then using that to purchase and build or buy your your new home.","start":816.64,"end":829.775,"sentiment":"neutral","sentiment_score":-0.017148280097171665},{"text":"And then, obviously, you get a split loan or majority of the loan attached to what is now your investment property.","start":829.775,"end":835.235,"sentiment":"neutral","sentiment_score":-0.029849185652676084}],"sentiment":"neutral","sentiment_score":0.0009966882438782383,"num_words":68,"start":814.56,"end":835.235},{"sentences":[{"text":"So all things just to be mindful of.","start":835.70996,"end":837.55,"sentiment":"neutral","sentiment_score":-0.058621400501579046},{"text":"Obviously, if you're using a broker, it's sort of they're likely to tell you the same sort of thing and structure it for you versus, like, if you just went down to your bank that your current loan's with and be like, I wanna refinance and buy or whatever, then the likelihood that they tell you the best way to do it is quite slim.","start":837.55,"end":854.715,"sentiment":"neutral","sentiment_score":-0.27772685025747007},{"text":"If they're getting the loan, they don't really care whether or not you're getting a tax deduction, whereas a 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was paid off or not.","start":877.025,"end":878.845,"sentiment":"neutral","sentiment_score":-0.06562603898346424},{"text":"Car worth around the 35.","start":879.145,"end":880.505,"sentiment":"neutral","sentiment_score":-0.017486784234642984}],"sentiment":"neutral","sentiment_score":0.02016341117903208,"num_words":39,"start":870.17,"end":880.505},{"sentences":[{"text":"Obviously, a bit of depreciation, but that's probably, you know, similar ish.","start":880.505,"end":884.525,"sentiment":"neutral","sentiment_score":-0.08579343557357788},{"text":"Yep.","start":891.96,"end":892.28,"sentiment":"neutral","sentiment_score":0.06579738855361938},{"text":"And then with your primary residence currently, how much do you reckon that's worth with the current market versus how much you have left owing on that one?","start":892.28,"end":898.605,"sentiment":"neutral","sentiment_score":0.05067018326371908},{"text":"Yep.","start":902.685,"end":903.185,"sentiment":"neutral","sentiment_score":0.09220001101493835},{"text":"Okay.","start":913.98,"end":914.48,"sentiment":"neutral","sentiment_score":0.10488536953926086}],"sentiment":"neutral","sentiment_score":0.015165736595558565,"num_words":43,"start":880.505,"end":914.48},{"sentences":[{"text":"Perfect.","start":923.515,"end":924.015,"sentiment":"neutral","sentiment_score":0.0899563655257225},{"text":"And then as far as any other assets that we're not sort of made aware of currently, is there anything else that you've got that we're not aware of?","start":925.59503,"end":932.555,"sentiment":"neutral","sentiment_score":0.004129548872226913},{"text":"Any caravans, campers, things like that?","start":932.555,"end":934.575,"sentiment":"neutral","sentiment_score":-0.0005100430377448598},{"text":"Perfect.","start":939.21,"end":939.71,"sentiment":"neutral","sentiment_score":0.32264894247055054},{"text":"And so if you've answered these on previously, they've just obviously beefed out the workbook a little bit, but you haven't declared bankruptcy or entered a part nine debt agreement before?","start":940.97003,"end":947.71,"sentiment":"neutral","sentiment_score":0.02315890128093381}],"sentiment":"neutral","sentiment_score":0.018341586864313714,"num_words":68,"start":923.515,"end":947.71},{"sentences":[{"text":"Right.","start":949.745,"end":950.245,"sentiment":"neutral","sentiment_score":-0.005957264453172684},{"text":"And then as far as health concern for the year, largely well, not smoking, still no medications, no injuries.","start":950.545,"end":956.805,"sentiment":"neutral","sentiment_score":0.028810318951544008},{"text":"Brilliant.","start":957.105,"end":957.605,"sentiment":"positive","sentiment_score":0.4205748736858368},{"text":"And have you looked at sort of private health, or do you have any private health currently?","start":958.625,"end":963.125,"sentiment":"neutral","sentiment_score":-0.0016549264683442958},{"text":"Is that just hospitals and extras or just extras?","start":965.65,"end":967.83,"sentiment":"neutral","sentiment_score":-0.017453365131384797}],"sentiment":"neutral","sentiment_score":0.016527651769525194,"num_words":47,"start":949.745,"end":967.83},{"sentences":[{"text":"I mean, was that just once you hit 30, you're like, I better get that so I'm not paying the additional?","start":971.49,"end":975.51,"sentiment":"neutral","sentiment_score":-0.1280415157477061},{"text":"Yeah.","start":987.315,"end":987.71497,"sentiment":"neutral","sentiment_score":-0.07688727974891663},{"text":"So, obviously, either Medicare levy is one thing.","start":987.71497,"end":990.23,"sentiment":"neutral","sentiment_score":-0.13901704363524914},{"text":"And then also, if you don't have it, not a lot of people know before the age of, like, 30 or turning your 30 birthday.","start":990.23,"end":996.41,"sentiment":"neutral","sentiment_score":-0.13917431563138963},{"text":"Basically, the cost of purchasing private health insurance goes up with that.","start":997.43,"end":1001.26996,"sentiment":"neutral","sentiment_score":-0.22384420906503996}],"sentiment":"neutral","sentiment_score":-0.14990125162832774,"num_words":67,"start":971.49,"end":1001.26996},{"sentences":[{"text":"You get, like, slap with a percentage on top of that, which is like, which is stupid because they still want people to get private health.","start":1001.26996,"end":1008.075,"sentiment":"neutral","sentiment_score":-0.28472045350533265},{"text":"But every year after the age of 30, it's sort of disincentivizing people that don't have it to get it because you pay more of a premium.","start":1008.075,"end":1014.015,"sentiment":"negative","sentiment_score":-0.34655869559005453},{"text":"And that and that does stay there for for ten years.","start":1014.71497,"end":1018.23,"sentiment":"neutral","sentiment_score":-0.21980917047370563},{"text":"Like, if you were to sort of get at the age of 32, you're still paying that for another ten years of that loading until it goes away, which which in my mind is not too fantastic.","start":1018.70996,"end":1029.0499,"sentiment":"neutral","sentiment_score":-0.30827563356708837},{"text":"But, you know, it doesn't affect you because you've currently got it.","start":1029.35,"end":1033.275,"sentiment":"neutral","sentiment_score":0.08589576743543148}],"sentiment":"neutral","sentiment_score":-0.2615324484959113,"num_words":113,"start":1001.26996,"end":1033.275},{"sentences":[{"text":"It's fantastic.","start":1033.275,"end":1034.015,"sentiment":"positive","sentiment_score":0.7622356116771698},{"text":"And currently, I know you don't have a will in place, but, you know, the fact that you are getting married at the end of the year would void any wills you currently have anyway.","start":1035.515,"end":1044.255,"sentiment":"neutral","sentiment_score":-0.19429896410022462},{"text":"So is that something you plan on doing after you get married?","start":1044.3151,"end":1047.89,"sentiment":"neutral","sentiment_score":-0.04533971007913351},{"text":"Or Yeah.","start":1047.89,"end":1072.8201,"sentiment":"neutral","sentiment_score":-0.041130442172288895},{"text":"In saying that, like, obviously, it's a bit more, but no one's really wanna think about the worst case.","start":1073.36,"end":1077.12,"sentiment":"neutral","sentiment_score":-0.20137690635103928}],"sentiment":"neutral","sentiment_score":-0.13897844494453498,"num_words":70,"start":1033.275,"end":1077.12},{"sentences":[{"text":"Like you said, you're on the younger sides in Knockwood.","start":1077.12,"end":1079.2001,"sentiment":"neutral","sentiment_score":-0.14855725467205047},{"text":"Nothing does happen.","start":1079.2001,"end":1080.16,"sentiment":"neutral","sentiment_score":-0.14205761502186456},{"text":"But when it comes to estates and settling estates, you'd be surprised how messy they get even with the the most close knit of families.","start":1080.16,"end":1088.6849,"sentiment":"neutral","sentiment_score":-0.23824792146682738},{"text":"In saying that, though, it's no point doing it before the marriage because marriage would nullify the will anyway.","start":1089.785,"end":1096.445,"sentiment":"neutral","sentiment_score":-0.268991934625726},{"text":"So, yeah, after you get married, there's definitely sort of you should think about potentially getting getting one.","start":1097.065,"end":1103.74,"sentiment":"neutral","sentiment_score":-0.035571224987506866}],"sentiment":"neutral","sentiment_score":-0.18158762981494267,"num_words":75,"start":1077.12,"end":1103.74},{"sentences":[{"text":"And as far as being a tax resident, you're not a tax resident for any other country or jurisdiction at the moment?","start":1105.32,"end":1111.065,"sentiment":"neutral","sentiment_score":-0.034326307475566864},{"text":"Perfect.","start":1113.3049,"end":1113.705,"sentiment":"neutral","sentiment_score":-0.011475831270217896},{"text":"And then with in regards to this question, it's a little bit odd, but you're not politically exposed, or you don't have any friends or family in politics or yourself?","start":1113.705,"end":1122.605,"sentiment":"neutral","sentiment_score":-0.0812734130769968},{"text":"Yeah.","start":1125.48,"end":1125.7999,"sentiment":"neutral","sentiment_score":-0.09852828085422516},{"text":"It's to do with, like, like, anti money laundering type deals and then also security risks.","start":1125.7999,"end":1131.0,"sentiment":"neutral","sentiment_score":-0.12679602671414614}],"sentiment":"neutral","sentiment_score":-0.0761731670903308,"num_words":70,"start":1105.32,"end":1131.0},{"sentences":[{"text":"So not only do we have to be more mindful of politicians and where they receive their money from to, you know, combat if they were doing something dodgy, not to say that I've seen it in any circumstances.","start":1131.0,"end":1142.055,"sentiment":"neutral","sentiment_score":-0.11771732043379392},{"text":"But then also, like, they have a lot more details online, so it's a lot easier to try and impersonate those people in politics.","start":1142.5951,"end":1149.5751,"sentiment":"neutral","sentiment_score":-0.30144614167511463},{"text":"It doesn't mean a whole heap.","start":1156.36,"end":1157.8,"sentiment":"neutral","sentiment_score":-0.27387386560440063},{"text":"It just means we take if you, like, said yes, we just take a few extra precautions in terms of, like, your file, the security around your file being that you are, like, in that exposed sort of space as, like, someone in that.","start":1157.8,"end":1170.805,"sentiment":"neutral","sentiment_score":-0.1094290203499523},{"text":"Yeah.","start":1170.865,"end":1171.365,"sentiment":"neutral","sentiment_score":0.08090510219335556}],"sentiment":"neutral","sentiment_score":-0.15967454284168126,"num_words":114,"start":1131.0,"end":1171.365},{"sentences":[{"text":"And then also, we'd keep an eye if you're receiving any sort of lump random sums in regards to if I you came to me and said, I want to invest half $1,000,000 that I've just gotten out of thin air, then it would sort of ring some alarm bells that, you know, maybe getting some kickbacks.","start":1171.505,"end":1185.86,"sentiment":"neutral","sentiment_score":0.04341976834755195},{"text":"But as I said, definitely have not seen it yet, but we just included anyway.","start":1186.0,"end":1191.62,"sentiment":"neutral","sentiment_score":0.007514722893635432},{"text":"Great.","start":1193.655,"end":1194.155,"sentiment":"positive","sentiment_score":0.6494582295417786},{"text":"And then as far as goals that you're working towards, obviously, the the wedding's the main thing there, potentially looking at an investment property, you know, in the next sort of couple of years.","start":1194.375,"end":1203.335,"sentiment":"positive","sentiment_score":0.33456044950905967},{"text":"But is there anything else that you're sort of working towards?","start":1203.335,"end":1205.4349,"sentiment":"neutral","sentiment_score":0.14198302883993497}],"sentiment":"neutral","sentiment_score":0.1370675802483397,"num_words":118,"start":1171.505,"end":1205.4349},{"sentences":[{"text":"Yep.","start":1216.49,"end":1216.99,"sentiment":"neutral","sentiment_score":0.12414880841970444},{"text":"Perfect.","start":1223.465,"end":1223.965,"sentiment":"positive","sentiment_score":0.6304898262023926},{"text":"And as far as anything else that you're sort of working towards, is there anything else that you're sort of trying to accomplish in the next sort of few years?","start":1225.705,"end":1232.205,"sentiment":"neutral","sentiment_score":0.19557022626201312},{"text":"Brilliant.","start":1235.1,"end":1235.6,"sentiment":"neutral","sentiment_score":0.15699508786201477},{"text":"Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there.","start":1236.86,"end":1243.4199,"sentiment":"neutral","sentiment_score":0.08345202379154437}],"sentiment":"neutral","sentiment_score":0.1444342014464465,"num_words":66,"start":1216.49,"end":1243.4199},{"sentences":[{"text":"So you've made direct shares, so I'll tick that box for you.","start":1243.4199,"end":1247.075,"sentiment":"neutral","sentiment_score":0.2379295714199543},{"text":"And you're still investing for the long term.","start":1247.215,"end":1248.815,"sentiment":"neutral","sentiment_score":0.2674126394558698},{"text":"Obviously, you're on the younger side of things, so investing for the future.","start":1248.815,"end":1251.875,"sentiment":"neutral","sentiment_score":0.2615021730844791},{"text":"Yeah.","start":1262.99,"end":1263.3099,"sentiment":"neutral","sentiment_score":0.13138580322265625},{"text":"Yep.","start":1263.3099,"end":1263.63,"sentiment":"neutral","sentiment_score":0.21343497931957245}],"sentiment":"neutral","sentiment_score":0.24968014300933905,"num_words":35,"start":1243.4199,"end":1263.63},{"sentences":[{"text":"Definitely.","start":1263.63,"end":1264.13,"sentiment":"positive","sentiment_score":0.3845292925834656},{"text":"They're giving your age.","start":1264.59,"end":1265.47,"sentiment":"neutral","sentiment_score":0.2479223646223545},{"text":"You can weather those sort of dips in the market.","start":1265.47,"end":1267.49,"sentiment":"neutral","sentiment_score":0.12616603896021844},{"text":"Now in regards to risk in general, would you rate yourself as sort of a high risk taker or a very high risk taker?","start":1269.15,"end":1274.255,"sentiment":"neutral","sentiment_score":0.03497070485415558},{"text":"Or yep.","start":1274.465,"end":1278.495,"sentiment":"neutral","sentiment_score":-0.02987389825284481}],"sentiment":"neutral","sentiment_score":0.08335190879680761,"num_words":41,"start":1263.63,"end":1278.495},{"sentences":[{"text":"Yep.","start":1285.9299,"end":1286.4299,"sentiment":"neutral","sentiment_score":0.04395055025815964},{"text":"No.","start":1291.85,"end":1292.25,"sentiment":"neutral","sentiment_score":-0.30876824259757996},{"text":"Understandable.","start":1292.25,"end":1292.75,"sentiment":"neutral","sentiment_score":-0.29729339480400085},{"text":"And then in regards to, like, if you were to take on an investment, say, your share portfolio and then six months down the line just due to what's occurring, like, in the the markets in general, it dropped by 20%.","start":1294.17,"end":1304.785,"sentiment":"neutral","sentiment_score":-0.2587983760891891},{"text":"You know?","start":1304.925,"end":1305.405,"sentiment":"neutral","sentiment_score":-0.266744002699852}],"sentiment":"neutral","sentiment_score":-0.2544854893956495,"num_words":46,"start":1285.9299,"end":1305.405},{"sentences":[{"text":"So there's another sort of world war breaking out.","start":1305.405,"end":1308.385,"sentiment":"neutral","sentiment_score":-0.30267779032389325},{"text":"How do you think you'd react to that one?","start":1308.525,"end":1310.045,"sentiment":"neutral","sentiment_score":-0.14015344861480925},{"text":"Would you still, you know, stay invested and hold that investment?","start":1310.045,"end":1313.04,"sentiment":"neutral","sentiment_score":-0.08292618664828214},{"text":"Do you reckon you'd sort of look to to sell and be a bit more secure or maybe even chuck a bit more into the downturn?","start":1313.04,"end":1318.1,"sentiment":"neutral","sentiment_score":-0.19836815274678743},{"text":"Yep.","start":1342.9901,"end":1343.4901,"sentiment":"neutral","sentiment_score":0.02156991511583328}],"sentiment":"neutral","sentiment_score":-0.1791727010692869,"num_words":56,"start":1305.405,"end":1343.4901},{"sentences":[{"text":"Yep.","start":1358.94,"end":1359.44,"sentiment":"neutral","sentiment_score":0.034022580832242966},{"text":"No.","start":1362.14,"end":1362.2999,"sentiment":"neutral","sentiment_score":-0.18282188475131989},{"text":"I completely understand that.","start":1362.2999,"end":1363.9199,"sentiment":"neutral","sentiment_score":-0.0694606713950634},{"text":"And then in regards to, like, your performance over time, was you aiming for the higher performance?","start":1365.26,"end":1370.24,"sentiment":"neutral","sentiment_score":0.003851174541256007},{"text":"But with events like COVID and those sort of things that did occur, did that make you a little cautious at all at anything with that?","start":1370.2999,"end":1376.755,"sentiment":"neutral","sentiment_score":-0.21179607682503188}],"sentiment":"neutral","sentiment_score":-0.11975244938262872,"num_words":49,"start":1358.94,"end":1376.755},{"sentences":[{"text":"Financials perspective in terms of, like, superannuation, obviously, took a bit of a hit and a bit of a backward step there.","start":1380.8151,"end":1386.15,"sentiment":"neutral","sentiment_score":-0.19814597002484582},{"text":"Yep.","start":1390.55,"end":1390.9501,"sentiment":"neutral","sentiment_score":-0.030230015516281128},{"text":"Not a problem.","start":1390.9501,"end":1391.77,"sentiment":"neutral","sentiment_score":-0.10659412046273549},{"text":"Bit out of sight out of mind.","start":1396.39,"end":1397.77,"sentiment":"neutral","sentiment_score":-0.23466948526246206},{"text":"That's fine.","start":1397.91,"end":1398.73,"sentiment":"neutral","sentiment_score":0.07339377189055085}],"sentiment":"neutral","sentiment_score":-0.17728921630020653,"num_words":35,"start":1380.8151,"end":1398.73},{"sentences":[{"text":"And in regards to taking out loans to invest, obviously, you've got the property and then potentially investment property down the future.","start":1400.345,"end":1408.1849,"sentiment":"neutral","sentiment_score":0.06395210867578333},{"text":"But would you ever put borrowed money into things like a share portfolio once you sort of become a bit more secure and have a bit less debt associated with your property?","start":1408.1849,"end":1414.9249,"sentiment":"neutral","sentiment_score":0.033385552058462054},{"text":"Nope.","start":1424.7899,"end":1425.11,"sentiment":"neutral","sentiment_score":-0.03774358332157135},{"text":"That's perfectly fine.","start":1425.11,"end":1426.3099,"sentiment":"neutral","sentiment_score":0.20815446972846985},{"text":"So it still does bring you out as a high growth investor, and that's still about that ninetyten split, about 90% in, like, investing in growth assets, about 10% defensive, which is more than appropriate for your age there and sort of aiming for those longer returns over over time even though it does experience a little bit more volatility.","start":1426.3099,"end":1443.5249,"sentiment":"neutral","sentiment_score":0.16623209690054258}],"sentiment":"neutral","sentiment_score":0.11047398047995265,"num_words":118,"start":1400.345,"end":1443.5249},{"sentences":[{"text":"Perfect.","start":1446.4501,"end":1446.9501,"sentiment":"neutral","sentiment_score":0.3299627900123596},{"text":"Now in regards to your current performance there as well, now I'm not too sure if you've looked at your super recently.","start":1447.5701,"end":1454.9501,"sentiment":"neutral","sentiment_score":0.03215160093862902},{"text":"It was doing quite well until sort of the end of last year with everything that has occurred in the last few months in the the political space there as well.","start":1455.41,"end":1462.8151,"sentiment":"neutral","sentiment_score":-0.018211814064172008},{"text":"In addition to that one that hasn't really helped in regards to that is I'm not too sure if you've heard about Dentalong or its underlying investment that it has in corporate traveler.","start":1463.675,"end":1472.61,"sentiment":"neutral","sentiment_score":-0.1412660942384691},{"text":"Now they were done for not reporting correctly, and as a result, were put on a trading hold.","start":1472.61,"end":1477.99,"sentiment":"negative","sentiment_score":-0.48455430567264557}],"sentiment":"neutral","sentiment_score":-0.12296216035527842,"num_words":105,"start":1446.4501,"end":1477.99},{"sentences":[{"text":"It caused Benelon to have to reevaluate that stock.","start":1478.13,"end":1480.85,"sentiment":"negative","sentiment_score":-0.5796091126071082},{"text":"The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth.","start":1480.85,"end":1486.505,"sentiment":"neutral","sentiment_score":-0.276799301430583},{"text":"And then also a bit of consumer confidence was lost in that, which did cause quite a backward step in regard yeah.","start":1486.505,"end":1495.385,"sentiment":"negative","sentiment_score":-0.546390790830959},{"text":"And then coupled with the wars that were not sort of full wars, but the conflicts that are going on, you know, Venezuela, Iran, in conjunction with that, the tech bubble has slightly corrected a little bit there as well.","start":1495.385,"end":1508.7899,"sentiment":"neutral","sentiment_score":-0.26377071142196656},{"text":"So it also in the one sort of space there.","start":1508.7899,"end":1511.77,"sentiment":"neutral","sentiment_score":-0.05698687545955181}],"sentiment":"negative","sentiment_score":-0.3355818084339694,"num_words":101,"start":1478.13,"end":1511.77},{"sentences":[{"text":"Now in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update.","start":1511.99,"end":1520.6549,"sentiment":"neutral","sentiment_score":0.03946729339659214},{"text":"I can let you know sort of as the result of Benelon and sort of at least the last year and a bit of their performance and how they have been managing coupled with that underlying investment.","start":1520.6549,"end":1529.32,"sentiment":"neutral","sentiment_score":0.04456954363834213},{"text":"They are sort of moving away from Bennelong.","start":1529.32,"end":1531.1799,"sentiment":"neutral","sentiment_score":-0.3230676241219044},{"text":"Now it is a bit of a a loss in terms of the Bennelong amount.","start":1531.6399,"end":1535.74,"sentiment":"negative","sentiment_score":-0.4211238692204157},{"text":"Since in inception there, it, like, hasn't been doing too well.","start":1536.36,"end":1539.96,"sentiment":"negative","sentiment_score":-0.4806726033037359}],"sentiment":"neutral","sentiment_score":-0.11243273020897171,"num_words":101,"start":1511.99,"end":1539.96},{"sentences":[{"text":"And given that it makes up, like, a good portion of your portfolio, given that you're in one of those older portfolios that did go a little bit more aggressive in those actively managed funds to pull that higher growth and that higher risk, we'd be looking to either reproduce that slightly just with everything going on in terms of the active management, or you can look to go fully, like, passive in your investments, which does come at a lower cost.","start":1539.96,"end":1563.27,"sentiment":"neutral","sentiment_score":-0.09891804925552229},{"text":"You aim to track the indexes.","start":1563.27,"end":1564.8099,"sentiment":"neutral","sentiment_score":0.09560862059394519},{"text":"Now I'm not too sure how much you've sort of looked into the the share market and things like that.","start":1565.4299,"end":1569.27,"sentiment":"neutral","sentiment_score":0.0014043045230209827},{"text":"So an index basically tracks like a portion or an industry.","start":1569.27,"end":1573.515,"sentiment":"neutral","sentiment_score":0.046988616612824524},{"text":"So the S and P 500 tracks the top 500 companies in America, whereas exactly whereas the the actively managed funds basically pick winners.","start":1573.515,"end":1584.55,"sentiment":"neutral","sentiment_score":-0.010564402987559637}],"sentiment":"neutral","sentiment_score":-0.050672818978245444,"num_words":143,"start":1539.96,"end":1584.55},{"sentences":[{"text":"They try and find value in the market, whether that be, you know, based on the company share holdings of the market, how they're performing in terms of income and profit shares.","start":1584.55,"end":1595.125,"sentiment":"positive","sentiment_score":0.35476824827492237},{"text":"It just depends on what the fund manager is obviously doing in terms of what they're looking for in the market to try and outperform the market, which does come at a higher cost than when they don't do too well like Benelung.","start":1595.125,"end":1605.205,"sentiment":"neutral","sentiment_score":-0.00027504290432430975},{"text":"And given that it is a significant portion of your portfolio, it doesn't turn out too well.","start":1605.205,"end":1610.14,"sentiment":"negative","sentiment_score":-0.36379394811742444},{"text":"Now so we can either look to to change that up a little bit in terms of looking at another active alternative for that and maybe sort of adjusting the weighting.","start":1610.14,"end":1618.78,"sentiment":"neutral","sentiment_score":-0.045604576747263634},{"text":"So when things like this do occur, they don't affect your balance as much as it has the last year.","start":1618.78,"end":1624.755,"sentiment":"neutral","sentiment_score":0.01696079894900322}],"sentiment":"neutral","sentiment_score":0.02854359497713459,"num_words":143,"start":1584.55,"end":1624.755},{"sentences":[{"text":"Or we Yeah.","start":1626.035,"end":1636.515,"sentiment":"neutral","sentiment_score":0.1690476487080256},{"text":"It was around the 30%.","start":1636.515,"end":1637.875,"sentiment":"neutral","sentiment_score":0.09000017270445823},{"text":"Obviously, I can't sorta explain why that was chosen in the first place because I wasn't the adviser to do it, and it was quite some time ago.","start":1637.875,"end":1646.1,"sentiment":"neutral","sentiment_score":-0.06708460527339152},{"text":"I wasn't even at the company back then as a business, obviously, in the conversation you have with your adviser in terms of the level of risk you were willing to take at that time led to the higher allocation to that actively managed fund.","start":1646.1,"end":1658.205,"sentiment":"neutral","sentiment_score":-0.12432292492853271},{"text":"But myself, I'd rather have, like, it be more of a satellite where it sits around the sort of 10 to 15% even that when it does have bad years, like, within the actively managed portion, that it doesn't significantly affect your portfolio as it has now.","start":1658.205,"end":1672.28,"sentiment":"neutral","sentiment_score":0.07787890692657613}],"sentiment":"neutral","sentiment_score":-0.022308188548777252,"num_words":128,"start":1626.035,"end":1672.28},{"sentences":[{"text":"No.","start":1680.5801,"end":1680.74,"sentiment":"neutral","sentiment_score":-0.11126864701509476},{"text":"As one of the advisers that what I'll do basically from this, I'll get some notes started.","start":1680.74,"end":1684.635,"sentiment":"neutral","sentiment_score":0.03190166678498773},{"text":"They'll do the research, and they'll look at updating that.","start":1684.635,"end":1687.4551,"sentiment":"neutral","sentiment_score":0.11640040799975396},{"text":"And then from there, just given the few business changes, everything, there's a bit of a backlog for one.","start":1688.0751,"end":1692.9751,"sentiment":"neutral","sentiment_score":-0.03431273560578886},{"text":"We will sort of look at doing it as quick as possible.","start":1693.115,"end":1696.415,"sentiment":"neutral","sentiment_score":0.0015701521188020706}],"sentiment":"neutral","sentiment_score":0.01630446808886225,"num_words":59,"start":1680.5801,"end":1696.415},{"sentences":[{"text":"Given that and that you've already sort of experienced that huge 20% dip that did occur with Benelon around that November mark, if anything, we're hoping that, you know, within that time frame, it does recruit some of that.","start":1696.58,"end":1706.2,"sentiment":"neutral","sentiment_score":-0.13982774317264557},{"text":"But there's no sort of conviction moving forward with Benelon that it will sort of recover a significant raise to make it worth holding it, if that makes sense.","start":1706.34,"end":1714.635,"sentiment":"neutral","sentiment_score":-0.25566432265372113},{"text":"Yeah.","start":1716.135,"end":1716.375,"sentiment":"neutral","sentiment_score":-0.026733554899692535},{"text":"Because, obviously, the like, the cardinal sin is basically sell low by high, but in terms of, like, if you don't believe in the investment, sometimes holding it and flogging that dead horse isn't worth it at the end of the day as well.","start":1716.375,"end":1728.1799,"sentiment":"neutral","sentiment_score":-0.23212513767860152},{"text":"Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense.","start":1728.1799,"end":1740.075,"sentiment":"neutral","sentiment_score":-0.1031835666474174}],"sentiment":"neutral","sentiment_score":-0.18106141645892138,"num_words":147,"start":1696.58,"end":1740.075},{"sentences":[{"text":"Perfect.","start":1742.715,"end":1743.215,"sentiment":"positive","sentiment_score":0.4377361536026001},{"text":"Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit.","start":1743.6749,"end":1750.075,"sentiment":"neutral","sentiment_score":0.18654910897215207},{"text":"So this will just be going to that email I stated earlier there.","start":1750.075,"end":1752.66,"sentiment":"neutral","sentiment_score":0.16609731775063735},{"text":"And I'll just have a copy of your ongoing service agreement, a tax file opt in form as well.","start":1753.06,"end":1758.2001,"sentiment":"neutral","sentiment_score":0.1433708577563888},{"text":"In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits.","start":1758.66,"end":1764.12,"sentiment":"neutral","sentiment_score":0.09302515221329835}],"sentiment":"neutral","sentiment_score":0.1498446607690179,"num_words":89,"start":1742.715,"end":1764.12},{"sentences":[{"text":"Where it's at previously would just be redacted, and we'll just have it on the one nice form.","start":1764.3401,"end":1767.825,"sentiment":"neutral","sentiment_score":0.12627778160903189},{"text":"In the event that ever you did leave, then your tax file number is just in that one spot.","start":1767.825,"end":1772.1649,"sentiment":"neutral","sentiment_score":0.06519785013638045},{"text":"In addition to that, you will have a copy of, you know, the new CV of currency for insurances, performance report for last twelve months, the new services guide and financial services guide.","start":1773.105,"end":1781.2101,"sentiment":"neutral","sentiment_score":0.14065058619687051},{"text":"You'll have a little Vanguard chart to show you those tips and everything in the market over that twenty to thirty year period there as well.","start":1781.2101,"end":1786.5901,"sentiment":"neutral","sentiment_score":0.21582166793254706},{"text":"So I'll just send that quickly before I forget.","start":1786.81,"end":1788.99,"sentiment":"neutral","sentiment_score":0.17572816130187777}],"sentiment":"neutral","sentiment_score":0.1461537655620348,"num_words":105,"start":1764.3401,"end":1788.99},{"sentences":[{"text":"If you do have any questions after you go through those documents as well, feel free to give us a callback and, like, sort of if you're sort of unhappy with the ongoing service agreement or anything like that, feel free to give us a call, have a discussion around that.","start":1789.05,"end":1800.915,"sentiment":"neutral","sentiment_score":-0.041335618981689796},{"text":"Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate.","start":1800.915,"end":1808.49,"sentiment":"neutral","sentiment_score":-0.025661578505403466},{"text":"I believe the update actually should probably check that for you.","start":1808.8099,"end":1811.77,"sentiment":"neutral","sentiment_score":-0.009654337878931652},{"text":"Bear with me two seconds.","start":1811.77,"end":1813.15,"sentiment":"neutral","sentiment_score":-0.023977517150342464},{"text":"As an ongoing client with a partner on board, they have brought out a coupling fee.","start":1813.85,"end":1818.41,"sentiment":"neutral","sentiment_score":-0.08143448282498866}],"sentiment":"neutral","sentiment_score":-0.04058477236419031,"num_words":101,"start":1789.05,"end":1818.41},{"sentences":[{"text":"So yeah.","start":1818.41,"end":1818.97,"sentiment":"neutral","sentiment_score":-0.0315752811729908},{"text":"And that has been applied to that new ongoing service agreement.","start":1818.97,"end":1821.21,"sentiment":"neutral","sentiment_score":-0.01992902515286749},{"text":"So it drops from 1.65 down to the 1.1%, which is a bit of a bonus.","start":1821.21,"end":1827.125,"sentiment":"neutral","sentiment_score":0.03356310352683067},{"text":"Moving forward, you'll be charged that little bit less, which is fantastic.","start":1827.505,"end":1831.205,"sentiment":"neutral","sentiment_score":0.21420588282247385},{"text":"Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover.","start":1832.385,"end":1843.9299,"sentiment":"neutral","sentiment_score":0.058148118853569034}],"sentiment":"neutral","sentiment_score":0.06435991516730315,"num_words":71,"start":1818.41,"end":1843.9299},{"sentences":[{"text":"I did say that number a bit odd, apologies for that one.","start":1843.99,"end":1846.8099,"sentiment":"neutral","sentiment_score":-0.15051646841069063},{"text":"And as a monthly benefit, you have $7,621 as a monthly benefit.","start":1847.75,"end":1852.9181,"sentiment":"neutral","sentiment_score":-0.011933558077240983},{"text":"Now given your income increase, you could look at adjusting that and increasing that to where it covers around the 70% of your current income, which would mean reviewing your insurances as a whole.","start":1852.9181,"end":1864.14,"sentiment":"neutral","sentiment_score":-0.043297946124392396},{"text":"Or you could look to do what's called a life event increase, and you can increase cover up to, like, 25% or there's a flat amount.","start":1864.46,"end":1872.3,"sentiment":"neutral","sentiment_score":-0.0019890831228202353},{"text":"I can't remember off the top of my head for Clearview in terms of trying to get a bit closer to the monthly benefit that is 70% of your current income.","start":1872.3,"end":1880.775,"sentiment":"neutral","sentiment_score":-0.09552173028069158}],"sentiment":"neutral","sentiment_score":-0.055951480747645964,"num_words":115,"start":1843.99,"end":1880.775},{"sentences":[{"text":"Because 70% of even just your base salary of the $1.55 sits at a monthly benefit around 9,000.","start":1881.395,"end":1886.855,"sentiment":"neutral","sentiment_score":-0.13098962563607428},{"text":"Now the the thing with that, obviously, is if you do increase that benefit monthly benefit amount, it obviously comes at a higher cost, and income protection is the more expensive portion of your cover.","start":1887.3151,"end":1899.75,"sentiment":"neutral","sentiment_score":-0.3273443971361433},{"text":"And then with that as well, your benefit period is all up to the age of 65.","start":1900.13,"end":1904.885,"sentiment":"neutral","sentiment_score":-0.019304513273870245},{"text":"So it's quite a comprehensive in terms of the benefit period.","start":1904.885,"end":1907.705,"sentiment":"neutral","sentiment_score":0.10413110467859289},{"text":"So if you did wanna increase it to that 70%, you could also look at potentially adjusting the benefit period, maybe down to the five year mark.","start":1907.845,"end":1914.63,"sentiment":"neutral","sentiment_score":0.20366479014908825}],"sentiment":"neutral","sentiment_score":-0.06943196667944668,"num_words":108,"start":1881.395,"end":1914.63},{"sentences":[{"text":"Because sometimes the likelihood if you're on a claim for five years, you may not ever return to work after that five years, if that makes sense as well.","start":1914.95,"end":1922.89,"sentiment":"neutral","sentiment_score":-0.03582607389524065},{"text":"The other insurance you don't have currently, which I'm not too sure how much was talked about in the past there as well as trauma cover.","start":1925.51,"end":1931.095,"sentiment":"neutral","sentiment_score":-0.07295459107710765},{"text":"Did they sort of do you remember trauma cover or the conversation surrounding that or what it covers for?","start":1931.155,"end":1935.495,"sentiment":"neutral","sentiment_score":-0.056027603972899284},{"text":"Okay.","start":1937.395,"end":1937.715,"sentiment":"neutral","sentiment_score":0.03982767462730408},{"text":"Not a problem.","start":1937.715,"end":1938.535,"sentiment":"neutral","sentiment_score":0.1541919857263565}],"sentiment":"neutral","sentiment_score":-0.04484482505955757,"num_words":78,"start":1914.95,"end":1938.535},{"sentences":[{"text":"So trauma cover is like a lump sum benefit.","start":1938.755,"end":1941.0,"sentiment":"neutral","sentiment_score":0.13622529142432743},{"text":"Similar to, like, total permanent disability, it is a lump sum payment.","start":1941.08,"end":1944.3,"sentiment":"neutral","sentiment_score":0.0993582538018624},{"text":"Now with in regards to that, it is paid out of pocket.","start":1944.36,"end":1947.9,"sentiment":"neutral","sentiment_score":0.11998491610089938},{"text":"It can't be paid through superannuation like your other insurances, but it kind of is the bridge gap between income protection and total permanent disability.","start":1948.12,"end":1955.66,"sentiment":"neutral","sentiment_score":0.04365486172027886},{"text":"Now it covers for traumatic events, things like heart attacks, strokes, and, obviously, it depends a little bit on the the PDF of the product and what the conditions list and how many they actually cover.","start":1955.72,"end":1966.1649,"sentiment":"neutral","sentiment_score":0.051852352192832366}],"sentiment":"neutral","sentiment_score":0.07251278599575559,"num_words":94,"start":1938.755,"end":1966.1649},{"sentences":[{"text":"But it covers for those events in life.","start":1966.785,"end":1968.885,"sentiment":"neutral","sentiment_score":0.043299463111907244},{"text":"Say, you had a stroke tomorrow and you're injured to where you can't work, but it's minor and you can go back to work, say, within a month, you might not get to claim on an income protection policy.","start":1969.14,"end":1979.3201,"sentiment":"neutral","sentiment_score":-0.07909791448559517},{"text":"You may be medically cleared to go back to work.","start":1979.4601,"end":1981.3,"sentiment":"neutral","sentiment_score":-0.014397726953029632},{"text":"You may not end up being totally permanently disabled from that, Whereas the trauma policy would still pay out because you met a condition of the release.","start":1981.3,"end":1989.3151,"sentiment":"neutral","sentiment_score":-0.024602876079303247},{"text":"It's less of the you're too injured or sick to be able to return to work or you're unable to ever return to work with total permanent disability.","start":1989.3151,"end":1997.095,"sentiment":"neutral","sentiment_score":-0.1879560939435448}],"sentiment":"neutral","sentiment_score":-0.0786557903047651,"num_words":112,"start":1966.785,"end":1997.095},{"sentences":[{"text":"It just means if you cover that condition, it ticks a box, you get the payment, if that makes sense.","start":1997.4,"end":2002.4601,"sentiment":"neutral","sentiment_score":0.2584771528840065},{"text":"So it can be one of the more claimed on insurances because, obviously, you know, if you get diagnosed with a type of cancer that can be cured sort of with the, you know, getting cut out or a bit of, you know, chemotherapy, there is well, you may still be having to work during that period because you're not sick enough to where you can't work, but then you're not getting any sort of payment, whereas that trauma insurance helps with that and sort of facilitating some time off work and then also, you know, some medical costs and things like that as well.","start":2004.68,"end":2032.2001,"sentiment":"neutral","sentiment_score":-0.04695949373500688},{"text":"Yep.","start":2036.8351,"end":2037.3351,"sentiment":"neutral","sentiment_score":0.26256251335144043},{"text":"If you do wanna review your insurances now, we can have a look at that.","start":2038.035,"end":2041.7151,"sentiment":"neutral","sentiment_score":0.26316196024417876},{"text":"Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date.","start":2041.7151,"end":2046.915,"sentiment":"neutral","sentiment_score":0.27532166793294577}],"sentiment":"neutral","sentiment_score":0.0657389420425383,"num_words":164,"start":1997.4,"end":2046.915},{"sentences":[{"text":"I don't wanna sort of put you on the spot and say review these now.","start":2046.915,"end":2049.51,"sentiment":"neutral","sentiment_score":-0.30973874827226006},{"text":"Because in terms of the life and total permanent disability, it's more than adequate for your level of debt.","start":2049.91,"end":2053.69,"sentiment":"neutral","sentiment_score":-0.08763879655223143},{"text":"Your income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue.","start":2054.15,"end":2061.83,"sentiment":"neutral","sentiment_score":-0.012673998958077925},{"text":"You don't have to cover for 70% of your income.","start":2061.83,"end":2064.195,"sentiment":"neutral","sentiment_score":-0.06176690086722374},{"text":"That's just the maximum you can cover for, if that makes sense as well.","start":2064.2751,"end":2067.335,"sentiment":"neutral","sentiment_score":0.09400454003896032}],"sentiment":"neutral","sentiment_score":-0.06873988248836035,"num_words":87,"start":2046.915,"end":2067.335},{"sentences":[{"text":"Yep.","start":2072.195,"end":2072.695,"sentiment":"neutral","sentiment_score":0.18155059218406677},{"text":"That's more than fine.","start":2075.3152,"end":2076.195,"sentiment":"positive","sentiment_score":0.34932585805654526},{"text":"If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection.","start":2076.195,"end":2085.22,"sentiment":"neutral","sentiment_score":0.18532257739986693},{"text":"Your policy reviews in April, the April 12, within thirty days of that renewal there, you can look at doing those future event increases.","start":2085.52,"end":2094.235,"sentiment":"neutral","sentiment_score":0.2078520723929008},{"text":"So you could even look to do, like, a 15% increase of the income protection just to bump that up just a little bit.","start":2094.235,"end":2099.935,"sentiment":"neutral","sentiment_score":0.28790907748043537}],"sentiment":"neutral","sentiment_score":0.22685695261779157,"num_words":88,"start":2072.195,"end":2099.935},{"sentences":[{"text":"So feel free to to have a think about it if you do wanna at least bump up the inspection in terms of the monthly benefit amount or your life and TPD.","start":2101.115,"end":2108.24,"sentiment":"neutral","sentiment_score":0.2784025860019028},{"text":"That's your option between that with that life event increase and having your income jump up as well.","start":2108.46,"end":2113.52,"sentiment":"positive","sentiment_score":0.354846586783727},{"text":"But, yeah, make sure if you do wanna do it, just give us a call before that that period.","start":2114.86,"end":2119.18,"sentiment":"neutral","sentiment_score":0.15331790792314628},{"text":"So April.","start":2119.18,"end":2120.1401,"sentiment":"neutral","sentiment_score":0.06519434973597527},{"text":"If you ever think, you know, actually, I do want some more income protection.","start":2120.1401,"end":2122.72,"sentiment":"neutral","sentiment_score":0.066833087642278}],"sentiment":"neutral","sentiment_score":0.2267672175431953,"num_words":85,"start":2101.115,"end":2122.72},{"sentences":[{"text":"Feel free to give us a call because otherwise, you do have to go through underwriting, if that makes sense.","start":2123.005,"end":2127.265,"sentiment":"neutral","sentiment_score":0.0645417757332325},{"text":"Not a problem.","start":2129.085,"end":2129.905,"sentiment":"neutral","sentiment_score":0.12287770460049312},{"text":"A few other outstanding there's as well.","start":2130.365,"end":2133.025,"sentiment":"neutral","sentiment_score":0.036982539509023936},{"text":"Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well.","start":2133.405,"end":2139.7698,"sentiment":"neutral","sentiment_score":-0.06288810432530366},{"text":"Make sure you're still live kicking in.","start":2139.7698,"end":2141.5298,"sentiment":"neutral","sentiment_score":-0.06978806906512805}],"sentiment":"neutral","sentiment_score":-0.0032581077918173774,"num_words":63,"start":2123.005,"end":2141.5298},{"sentences":[{"text":"You know, we're not providing advice to people's data states and things like that or getting a fee.","start":2141.5298,"end":2146.99,"sentiment":"neutral","sentiment_score":-0.11589548074536854},{"text":"As in, like, the one you provided originally back in 2022 has expired in terms of, like, you've probably renewed your license in that time frame, and the one that sits on file is expired, if that makes sense.","start":2149.115,"end":2160.93,"sentiment":"neutral","sentiment_score":-0.09494645969989972},{"text":"We can just shoot you an email.","start":2163.73,"end":2165.01,"sentiment":"neutral","sentiment_score":0.05700007400342396},{"text":"Do you provide a front and back copy of just your even a driver's license or a passport?","start":2165.01,"end":2169.03,"sentiment":"neutral","sentiment_score":0.04043628565139241},{"text":"Then we can just update that on file.","start":2169.5698,"end":2171.3298,"sentiment":"neutral","sentiment_score":0.10008309129625559}],"sentiment":"neutral","sentiment_score":-0.042905691017707186,"num_words":90,"start":2141.5298,"end":2171.3298},{"sentences":[{"text":"We just hold on file, confirm it is a valid document, and then it just sits there and make sure that you're still alive and kicking in a real person.","start":2171.3298,"end":2178.585,"sentiment":"neutral","sentiment_score":0.1136931690076987},{"text":"At the moment as well, in regards to your fees, they are currently off.","start":2180.565,"end":2184.265,"sentiment":"neutral","sentiment_score":0.03626485541462898},{"text":"So congratulations.","start":2184.565,"end":2185.9448,"sentiment":"positive","sentiment_score":0.4685620665550232},{"text":"You did get due to the time that has elapsed within your last interview and now, a bit of a discount there.","start":2186.085,"end":2191.3901,"sentiment":"positive","sentiment_score":0.4184591661800038},{"text":"We're not gonna retroactively try and back pay any of those fees.","start":2191.3901,"end":2194.03,"sentiment":"neutral","sentiment_score":0.20056329295039177}],"sentiment":"neutral","sentiment_score":0.20585610438138247,"num_words":80,"start":2171.3298,"end":2194.03},{"sentences":[{"text":"It just means you got a bit of that discount.","start":2194.03,"end":2195.81,"sentiment":"neutral","sentiment_score":0.3227718025445938},{"text":"And then moving forward, you're paying in the 1.1 anyway.","start":2196.27,"end":2198.99,"sentiment":"neutral","sentiment_score":0.21403000950813295},{"text":"So happy days.","start":2198.99,"end":2200.37,"sentiment":"positive","sentiment_score":0.6562279860178629},{"text":"You saved a little bit on adviser fees there as well.","start":2200.59,"end":2203.175,"sentiment":"positive","sentiment_score":0.4939762909304012},{"text":"I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus.","start":2203.175,"end":2206.875,"sentiment":"neutral","sentiment_score":0.2873873092234135}],"sentiment":"positive","sentiment_score":0.34292939746821366,"num_words":54,"start":2194.03,"end":2206.875},{"sentences":[{"text":"No problem.","start":2208.935,"end":2209.675,"sentiment":"positive","sentiment_score":0.35391923785209656},{"text":"But in regards to anything else that you wanted to discuss there at all, Dominic, or any questions you had, is there anything I haven't covered that you wanna have a chat about?","start":2209.895,"end":2217.3,"sentiment":"neutral","sentiment_score":0.0980982178765716},{"text":"Not a problem at all.","start":2222.18,"end":2223.06,"sentiment":"positive","sentiment_score":0.41100316643714907},{"text":"As I said, I'll get a start on just that, like, investment review there for you.","start":2223.06,"end":2226.76,"sentiment":"neutral","sentiment_score":0.25282877776771784},{"text":"We'll even probably review just your account as well in general to see if there's maybe a better super fund as well given the time elapsed and time since you've been on board and see if that's worth updating as well.","start":2226.9001,"end":2237.385,"sentiment":"neutral","sentiment_score":0.2673221568508846}],"sentiment":"neutral","sentiment_score":0.21655221003078923,"num_words":97,"start":2208.935,"end":2237.385},{"sentences":[{"text":"Otherwise, we'll leave everything else as sort of a count accountability partners in terms of, like, your future and what you're trying to achieve.","start":2237.445,"end":2244.17,"sentiment":"neutral","sentiment_score":0.18926043280710778},{"text":"Obviously, you're quite good with your money, and you don't really need to be doing a budget with this or anything like that and, you know, monitoring your debt.","start":2244.17,"end":2251.5298,"sentiment":"neutral","sentiment_score":0.0857435778297227},{"text":"A good tool, though, is your Money Smart calculator.","start":2251.5298,"end":2254.0298,"sentiment":"neutral","sentiment_score":0.2735092838605245},{"text":"I'm not sure if you played around on that or not, but you can jump on there and just punch in your sort of loan details, how much you've got left, what you're looking to sort of pay off, and in what time frames, and it can really sort of give you some some mark to hit.","start":2254.49,"end":2266.145,"sentiment":"neutral","sentiment_score":0.1064391719798247},{"text":"Like you said, you wanna hit that sort of $2.82 90 mark.","start":2266.145,"end":2268.705,"sentiment":"neutral","sentiment_score":0.08817025863875945}],"sentiment":"neutral","sentiment_score":0.12683567637933119,"num_words":131,"start":2237.445,"end":2268.705},{"sentences":[{"text":"You could just sort of punch in what you currently got and where you're trying to get and sort of play around with the figures and see what you have to hit to make that sort of happen.","start":2268.705,"end":2276.09,"sentiment":"neutral","sentiment_score":0.09151029322100313},{"text":"MoneySmart mortgage calculator, it's quite a good little tool.","start":2278.79,"end":2281.75,"sentiment":"positive","sentiment_score":0.4972768955760532},{"text":"It's got a few calculators on there.","start":2281.75,"end":2283.85,"sentiment":"neutral","sentiment_score":0.1896104429449354},{"text":"But, yeah, definitely jump on, have a play around with it.","start":2283.9102,"end":2287.2852,"sentiment":"neutral","sentiment_score":0.2832457446916537},{"text":"If you got any questions in regards to that, feel free to to give us a call as well.","start":2287.2852,"end":2291.705,"sentiment":"neutral","sentiment_score":0.12343713366671612}],"sentiment":"neutral","sentiment_score":0.1754900599342017,"num_words":84,"start":2268.705,"end":2291.705},{"sentences":[{"text":"Yeah.","start":2293.445,"end":2293.685,"sentiment":"neutral","sentiment_score":0.26589009165763855},{"text":"It'll just come up as, like, mortgage calculator if you type in Money Smart mortgage calculator, and you can just punch in your details and away you go.","start":2293.685,"end":2300.28,"sentiment":"neutral","sentiment_score":0.2885556125215122},{"text":"Brilliant.","start":2302.68,"end":2303.18,"sentiment":"positive","sentiment_score":0.6961812973022461},{"text":"And then as far as the size sacrifice, I didn't really touch on that, but you're happy just doing your 200 per month?","start":2303.32,"end":2307.56,"sentiment":"neutral","sentiment_score":0.14237085656951304},{"text":"You don't really wanna look at changing that or anything?","start":2307.56,"end":2309.58,"sentiment":"neutral","sentiment_score":-0.08268938101828098}],"sentiment":"neutral","sentiment_score":0.1823692766742574,"num_words":63,"start":2293.445,"end":2309.58},{"sentences":[{"text":"Perfect.","start":2317.895,"end":2318.2148,"sentiment":"positive","sentiment_score":0.5565348863601685},{"text":"With the income increase anyway, you're contributing a bit more, so happy days.","start":2318.2148,"end":2321.755,"sentiment":"positive","sentiment_score":0.3840120784365214},{"text":"Not a problem.","start":2322.6948,"end":2323.335,"sentiment":"neutral","sentiment_score":0.2675458788871765},{"text":"Well, thanks for your time, Dominic.","start":2323.335,"end":2324.375,"sentiment":"positive","sentiment_score":0.5455053448677063},{"text":"I probably took up a little bit more time than you were expecting, but you enjoy the rest of the afternoon.","start":2324.375,"end":2327.9949,"sentiment":"neutral","sentiment_score":0.2841021670472054}],"sentiment":"positive","sentiment_score":0.3543297072703188,"num_words":44,"start":2317.895,"end":2327.9949},{"sentences":[{"text":"Cheers.","start":2329.1228,"end":2329.6228,"sentiment":"positive","sentiment_score":0.7419933080673218},{"text":"No problem.","start":2330.6428,"end":2331.203,"sentiment":"positive","sentiment_score":0.4941105544567108},{"text":"I'll catch you later.","start":2331.203,"end":2332.1628,"sentiment":"positive","sentiment_score":0.5434708371758461},{"text":"Thanks.","start":2332.1628,"end":2332.563,"sentiment":"positive","sentiment_score":0.6427196264266968},{"text":"Bye.","start":2332.563,"end":2333.063,"sentiment":"neutral","sentiment_score":0.3325712978839874}],"sentiment":"positive","sentiment_score":0.5421542988883125,"num_words":9,"start":2329.1228,"end":2333.063}]}}]},{"alternatives":[{"transcript":"Hello. Dominic speaking. How's it going, Dominic? Hey, mate. Yeah. Not too bad. Yeah. Now I'm fine. Yeah. I'm driving. Dominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker. Mhmm. Okay. No. It's okay. That's fine. Mhmm. Mhmm. Make dollars. Now it's at hot mail dot com. We we will be getting married in October this year. Yeah. Yeah. We're doing it a little bit differently. We're doing it across, like, two different weekends. So it's not gonna be, like, super, super expensive, not like a $100 or anything like that, but still enough to make the bank account feel a little bit sad. Yeah. You can put Danielle down. Yep. 0401 031 855. No. Yeah. Maybe. Hopefully, not too soon, though. Yeah. Exactly. Yeah. I when I joined up with you guys, I got her to come across as well. No. No. I understand. I work in insurance, so that's fine. Yeah. It was corporate partnerships manager. Now I've just had a title change where it's national partnerships manager. Not really. It's still, like, essentially business development, but I look after our corporate accounts as well. So just like our key corporate clients. Yeah. I typically travel to, like, Melbourne, Sydney, Brisbane, Perth. I usually like, once a month, I'll be traveling somewhere. Yeah. Pretty much. We've run office in Adelaide, but most of our clients are based interstate, so I'm predominantly working from home when I'm not interstate. I've I've gone into the office maybe, like, once a week, like, just to stay in touch with the team there. But, yeah, I don't really have, like, too much of a need to go in. It's more so just the social factor. Yeah. Yep. Well, salary for thirty eight fluctuates depending on, like, how busy you are, but well, I don't know. Probably average about, like, forty five hours, I'd say. But my role is very much like, you know, a client could call me at any time. So I'm, you know, really responsive or I might have an opportunity to get in with a new potential lead. So, you know, you work a little bit extra hours to get that over the line. So, yeah, it just sort of fluctuates. Yeah. So, like, I don't know. If I'm traveling interstate and I'd I'd have to come back on, like, a weekend, then, like, I can always, yeah, just have, like, a day off in lieu. So it works for that. But we don't have, like, you know, strict. You start at this time, finish at this time. You just have to get the work done. Rehab management? Yeah. I did go to uni, so I've got a bachelor's of clinical exercise physiology. I've been like, we've rehab management for, like, it will be eight years in October. I don't know. I finished uni, like, nine years ago or something like that. So, yeah, something like that. I've been a manager. I was like a I was an operations manager for, like, maybe, like, two years or three years, and I've been, like, a a business development manager or, like, a partnerships manager for, like, the last three and a half years. So what's that like? Maybe about four and a half years of management roles? Yeah. So my base is $1.55, and my well, with bonuses, the potential for that could be, like, about $1.85 or 90. Yeah. So I started sacrifice a little bit, but I also yeah. I've put money into savings. Well, I I've put most of my money into an offset account. Yeah. Just offset the mortgage a bit. I like, literally, all my money sits in offset. So the reason I did that was I previously had it in, like, a personal savings account. But then because I had so much interest accrued, I end up having a pretty decent tax bill, which seemed a bit counterproductive. So I've just dumped all my cash into the offset. So yeah. But I I let me show you on page that goes into the offset. Sorry. I get paid fortnightly, so it's usually, like, 4,400 after tax. So, yeah, that just goes straight into my offset, and then I just pay bills out of that. There is just sort of, like, paying for things for the wedding. Like, a fair bit comes out of it. I also pay everything by credit card just because we, like, fly a bit as well. So I I would always pay it off each month, so I don't pay any interest on it. But yeah. Yeah. So I think I've got, like, 700,000 points or something at the moment. But, yeah, I don't know. Of that 4,400, maybe, like, at the moment, probably two and a half of that goes out for, like, bills and wedding stuff. Yeah. So my AMX is, like, $23, and then I've got a Mastercard as well just, you know because not all places take AMX. So I think that's, like, 15,000. No. No. Like I said, every month I pay it off. And my offset would be about $80. Then I think yeah. Separate savings, but there's literally not a cent in there. I do have a redraw account that's connected to that account. Yeah. So there's, like, a redraw from the actual line, which has got, like, a 130 k in it. Yeah. Yeah. So my intention is to have it paid off in, like, three years. And then, yeah, I fully just, like, enjoy life a little bit more. Yeah. Yeah. Potentially. I we kinda put it on hold a little bit just because of, like, the wedding. So I have put, like, $30 into just different shares just so I've got some sort of investment going there. They seem to be going okay. But, yeah, my my game plan is to get married this year and then next year just leverage up equity of the property to get either a smaller unit or to build a forever home and then just rent out this property. But, yeah, we'll see. Mhmm. Uh-huh. Okay. Yeah. Okay. So what you you're actually better off to life purchase or build an investment property and then just, yeah, use that as your investment and not necessarily, like, have your forever home and rent out your other one, if that makes sense? No. That's okay. I do have a broker that assists you with this loan. So yeah. Uh-huh. Yeah. Yeah. I can. Mhmm. Yeah. A couple years ago. Yes. It's got like a fair bit of case on it now. Probably be sitting around maybe 25, I'd say. So we actually got it valued by a couple of real estate agents early this year. So the evaluation, like, on average was between, like, I think it was, like, $8.60 or, like, $9.50 or very between three of the agents. In terms of how much it's owing, I'm actually in my app at the moment. So I've got 320,000 owing. No. Nothing like that. No. Yeah. No. No. That's all good. Yeah. They have private health. Hospital and extras. Yeah. I think I I've had it for a couple of years now. I think it was just oh, after you earn, like, 90 k or something, they start slugging you a levy, so I think I just got it since then. Yeah. Yeah. Yeah. Oh, wow. That's terrible. Mhmm. Yeah. I I think so. I think within, like, the next couple of years, we'll get a will. Yeah. Obviously, he's still young, so I'm not, like, overly concerned. But I did lose my dad to cancer a couple years ago, and my mom's getting a little bit older as well. So I helped her get her wheel sorted. So, yeah, it's on my mind. It's not something I completely avoided. Yeah. Uh-huh. Yeah. I got him. No. No. That's random. Okay. But what what if I what if someone just lied to answering that question? Okay. Yep. Yeah. Fair enough. Yeah. Cool. Mhmm. Not really. I just wanna, like, by the end of this year, I wanna be probably have the house sitting around, like, an extra maybe 30 or $40 paid off it. I kinda wanna get into, like, the $2.08, $2.09 mark with how much is left. No. Not really. Yeah. Yeah. So I think even the, like, the suite that you guys set up for me, it's in, like, a high grow high risk sort of portfolio. Yeah. I'd probably get somewhere in between. Depends out, like, what I've got coming up. Like, like, with the wedding, for example, probably a little bit more conservative than I would be usually. Yeah. Sorry. To answer that question, probably somewhere in between. I I'd probably like oh, not the same, like, buy the dip almost. So, like, trying to dollar average it out better. So I'd yeah. Just by that depending on what the shares were, I'd probably just get more and accumulate more with the intention of them going up or going back up over time. But if I was, for example I don't know. If they were going really pear shaped and I needed money, like, you know, for the wedding or whatever, then I'd probably consider selling a portion of it. Not all of them, but a portion just to have cash there. Yeah. Again, depends on the circumstance. What? From a health perspective or a financial perspective? Nah. I I didn't really take any notice of it, to be honest. I didn't have the shares back then either, so I didn't really like yeah. It didn't really have too much of an impact for me. Yeah. Yep. No. Probably not. I I'd trigger, like, taking loans out for, like, property and, you know, brick and mortar. I wouldn't do it for shares. Yep. Yep. Yep. Uh-huh. See, I didn't know that. Mhmm. Okay. Yeah. Or like the ASX 200. Yeah. Yep. Mhmm. Yep. Yeah. I think I'd prefer to do that because I I do check this app kinda like on weekly basis, and I have noticed that there's a significant portion in Benelon. I think it's like a third of my portfolio. Mhmm. Yep. Yeah. So, yeah, I I would be more than happy to make a change on that. Is this something that you facilitate, or do I have to speak to someone else? Or mhmm. Yeah. Yeah. I gotcha. Yeah. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Okay. No. I've never heard of that. Mhmm. Okay. Okay. Well, that's probably something to think about. Yeah. Okay. No. Look. I'm pretty comfortable in terms of, like, where our financials sit. So, yeah, we probably wouldn't make any changes at the moment. Mhmm. Mhmm. Yeah. Cool. Okay. Yeah. Okay. My ID's expired. Really? Okay. So what do I do to update that? Yep. Yep. Okay. Okay. Yeah. Cool. Okay. No. I'm I'm pretty, yeah, pretty happy for the time being. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Yeah. Okay. MoneySmart. Is that what it's called? Oh, okay. Yeah. Cool. Yeah. Cool. Alright. No. I'm not at this stage. We've got a bit of change going on at work, so probably not making any significant changes with funding. Yeah. No. You're fine. Awesome. Thanks, mate. Appreciate it. Cheers. 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Dominic speaking. How's it going, Dominic? Hey, mate. Yeah.\n\nNot too bad. Yeah. Now I'm fine. Yeah. I'm driving.\n\nDominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker. Mhmm. Okay. No. It's okay.\n\nThat's fine. Mhmm. Mhmm. Make dollars. Now it's at hot mail dot com.\n\nWe we will be getting married in October this year. Yeah. Yeah. We're doing it a little bit differently. We're doing it across, like, two different weekends.\n\nSo it's not gonna be, like, super, super expensive, not like a $100 or anything like that, but still enough to make the bank account feel a little bit sad. Yeah. You can put Danielle down. Yep. 0401 031 855.\n\nNo. Yeah. Maybe. Hopefully, not too soon, though. Yeah.\n\nExactly. Yeah. I when I joined up with you guys, I got her to come across as well. No. No.\n\nI understand. I work in insurance, so that's fine. Yeah. It was corporate partnerships manager. Now I've just had a title change where it's national partnerships manager.\n\nNot really. It's still, like, essentially business development, but I look after our corporate accounts as well. So just like our key corporate clients. Yeah. I typically travel to, like, Melbourne, Sydney, Brisbane, Perth.\n\nI usually like, once a month, I'll be traveling somewhere. Yeah. Pretty much. We've run office in Adelaide, but most of our clients are based interstate, so I'm predominantly working from home when I'm not interstate. I've I've gone into the office maybe, like, once a week, like, just to stay in touch with the team there.\n\nBut, yeah, I don't really have, like, too much of a need to go in. It's more so just the social factor. Yeah. Yep. Well, salary for thirty eight fluctuates depending on, like, how busy you are, but well, I don't know.\n\nProbably average about, like, forty five hours, I'd say. But my role is very much like, you know, a client could call me at any time. So I'm, you know, really responsive or I might have an opportunity to get in with a new potential lead. So, you know, you work a little bit extra hours to get that over the line. So, yeah, it just sort of fluctuates.\n\nYeah. So, like, I don't know. If I'm traveling interstate and I'd I'd have to come back on, like, a weekend, then, like, I can always, yeah, just have, like, a day off in lieu. So it works for that. But we don't have, like, you know, strict.\n\nYou start at this time, finish at this time. You just have to get the work done. Rehab management? Yeah. I did go to uni, so I've got a bachelor's of clinical exercise physiology.\n\nI've been like, we've rehab management for, like, it will be eight years in October. I don't know. I finished uni, like, nine years ago or something like that. So, yeah, something like that. I've been a manager.\n\nI was like a I was an operations manager for, like, maybe, like, two years or three years, and I've been, like, a a business development manager or, like, a partnerships manager for, like, the last three and a half years. So what's that like? Maybe about four and a half years of management roles? Yeah. So my base is $1.55, and my well, with bonuses, the potential for that could be, like, about $1.85 or 90.\n\nYeah. So I started sacrifice a little bit, but I also yeah. I've put money into savings. Well, I I've put most of my money into an offset account. Yeah.\n\nJust offset the mortgage a bit. I like, literally, all my money sits in offset. So the reason I did that was I previously had it in, like, a personal savings account. But then because I had so much interest accrued, I end up having a pretty decent tax bill, which seemed a bit counterproductive. So I've just dumped all my cash into the offset.\n\nSo yeah. But I I let me show you on page that goes into the offset. Sorry. I get paid fortnightly, so it's usually, like, 4,400 after tax. So, yeah, that just goes straight into my offset, and then I just pay bills out of that.\n\nThere is just sort of, like, paying for things for the wedding. Like, a fair bit comes out of it. I also pay everything by credit card just because we, like, fly a bit as well. So I I would always pay it off each month, so I don't pay any interest on it. But yeah.\n\nYeah. So I think I've got, like, 700,000 points or something at the moment. But, yeah, I don't know. Of that 4,400, maybe, like, at the moment, probably two and a half of that goes out for, like, bills and wedding stuff. Yeah.\n\nSo my AMX is, like, $23, and then I've got a Mastercard as well just, you know because not all places take AMX. So I think that's, like, 15,000. No. No. Like I said, every month I pay it off.\n\nAnd my offset would be about $80. Then I think yeah. Separate savings, but there's literally not a cent in there. I do have a redraw account that's connected to that account. Yeah.\n\nSo there's, like, a redraw from the actual line, which has got, like, a 130 k in it. Yeah. Yeah. So my intention is to have it paid off in, like, three years. And then, yeah, I fully just, like, enjoy life a little bit more.\n\nYeah. Yeah. Potentially. I we kinda put it on hold a little bit just because of, like, the wedding. So I have put, like, $30 into just different shares just so I've got some sort of investment going there.\n\nThey seem to be going okay. But, yeah, my my game plan is to get married this year and then next year just leverage up equity of the property to get either a smaller unit or to build a forever home and then just rent out this property. But, yeah, we'll see. Mhmm. Uh-huh.\n\nOkay. Yeah. Okay. So what you you're actually better off to life purchase or build an investment property and then just, yeah, use that as your investment and not necessarily, like, have your forever home and rent out your other one, if that makes sense? No.\n\nThat's okay. I do have a broker that assists you with this loan. So yeah. Uh-huh. Yeah.\n\nYeah. I can. Mhmm. Yeah. A couple years ago.\n\nYes. It's got like a fair bit of case on it now. Probably be sitting around maybe 25, I'd say. So we actually got it valued by a couple of real estate agents early this year. So the evaluation, like, on average was between, like, I think it was, like, $8.60 or, like, $9.50 or very between three of the agents.\n\nIn terms of how much it's owing, I'm actually in my app at the moment. So I've got 320,000 owing. No. Nothing like that. No.\n\nYeah. No. No. That's all good. Yeah.\n\nThey have private health. Hospital and extras. Yeah. I think I I've had it for a couple of years now. I think it was just oh, after you earn, like, 90 k or something, they start slugging you a levy, so I think I just got it since then.\n\nYeah. Yeah. Yeah. Oh, wow. That's terrible.\n\nMhmm. Yeah. I I think so. I think within, like, the next couple of years, we'll get a will. Yeah.\n\nObviously, he's still young, so I'm not, like, overly concerned. But I did lose my dad to cancer a couple years ago, and my mom's getting a little bit older as well. So I helped her get her wheel sorted. So, yeah, it's on my mind. It's not something I completely avoided.\n\nYeah. Uh-huh. Yeah. I got him. No.\n\nNo. That's random. Okay. But what what if I what if someone just lied to answering that question? Okay.\n\nYep. Yeah. Fair enough. Yeah. Cool.\n\nMhmm. Not really. I just wanna, like, by the end of this year, I wanna be probably have the house sitting around, like, an extra maybe 30 or $40 paid off it. I kinda wanna get into, like, the $2.08, $2.09 mark with how much is left. No.\n\nNot really. Yeah. Yeah. So I think even the, like, the suite that you guys set up for me, it's in, like, a high grow high risk sort of portfolio. Yeah.\n\nI'd probably get somewhere in between. Depends out, like, what I've got coming up. Like, like, with the wedding, for example, probably a little bit more conservative than I would be usually. Yeah. Sorry.\n\nTo answer that question, probably somewhere in between. I I'd probably like oh, not the same, like, buy the dip almost. So, like, trying to dollar average it out better. So I'd yeah. Just by that depending on what the shares were, I'd probably just get more and accumulate more with the intention of them going up or going back up over time.\n\nBut if I was, for example I don't know. If they were going really pear shaped and I needed money, like, you know, for the wedding or whatever, then I'd probably consider selling a portion of it. Not all of them, but a portion just to have cash there. Yeah. Again, depends on the circumstance.\n\nWhat? From a health perspective or a financial perspective? Nah. I I didn't really take any notice of it, to be honest. I didn't have the shares back then either, so I didn't really like yeah.\n\nIt didn't really have too much of an impact for me. Yeah. Yep. No. Probably not.\n\nI I'd trigger, like, taking loans out for, like, property and, you know, brick and mortar. I wouldn't do it for shares. Yep. Yep. Yep.\n\nUh-huh. See, I didn't know that. Mhmm. Okay. Yeah.\n\nOr like the ASX 200. Yeah. Yep. Mhmm. Yep.\n\nYeah. I think I'd prefer to do that because I I do check this app kinda like on weekly basis, and I have noticed that there's a significant portion in Benelon. I think it's like a third of my portfolio. Mhmm. Yep.\n\nYeah. So, yeah, I I would be more than happy to make a change on that. Is this something that you facilitate, or do I have to speak to someone else? Or mhmm. Yeah.\n\nYeah. I gotcha. Yeah. Okay. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Okay. No. I've never heard of that.\n\nMhmm. Okay. Okay. Well, that's probably something to think about. Yeah.\n\nOkay. No. Look. I'm pretty comfortable in terms of, like, where our financials sit. So, yeah, we probably wouldn't make any changes at the moment.\n\nMhmm. Mhmm. Yeah. Cool. Okay.\n\nYeah. Okay. My ID's expired. Really? Okay.\n\nSo what do I do to update that? Yep. Yep. Okay. Okay.\n\nYeah. Cool. Okay. No. I'm I'm pretty, yeah, pretty happy for the time being.\n\nMhmm. Yep. Mhmm. Mhmm. Mhmm.\n\nYeah. Okay. MoneySmart. Is that what it's called? Oh, okay.\n\nYeah. Cool. Yeah. Cool. Alright.\n\nNo. I'm not at this stage. We've got a bit of change going on at work, so probably not making any significant changes with funding. Yeah. No.\n\nYou're fine. Awesome. Thanks, mate. Appreciate it. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.03052879497408867},{"text":"Dominic speaking.","start":1.1999999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03433177713304758},{"text":"How's it going, Dominic?","start":2.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.21581265330314636},{"text":"Hey, mate.","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.1387541964650154},{"text":"Yeah.","start":10.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.17131046950817108}],"sentiment":"neutral","sentiment_score":0.1411261824890971,"num_words":10,"start":0.88,"end":10.88},{"sentences":[{"text":"Not too bad.","start":10.88,"end":11.78,"sentiment":"neutral","sentiment_score":0.2600555568933487},{"text":"Yeah.","start":13.44,"end":13.679999,"sentiment":"neutral","sentiment_score":0.28999441862106323},{"text":"Now I'm fine.","start":13.679999,"end":14.5,"sentiment":"positive","sentiment_score":0.4376670718193054},{"text":"Yeah.","start":22.224998,"end":22.705,"sentiment":"neutral","sentiment_score":0.06862416863441467},{"text":"I'm driving.","start":22.705,"end":23.285,"sentiment":"neutral","sentiment_score":0.038667287677526474}],"sentiment":"neutral","sentiment_score":0.25291210487484933,"num_words":10,"start":10.88,"end":23.285},{"sentences":[{"text":"Dominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker.","start":23.345,"end":28.485,"sentiment":"neutral","sentiment_score":0.03893051979442438},{"text":"Mhmm.","start":37.69,"end":38.19,"sentiment":"neutral","sentiment_score":0.004924793262034655},{"text":"Okay.","start":61.440002,"end":61.940002,"sentiment":"neutral","sentiment_score":0.014680890366435053},{"text":"No.","start":75.185,"end":75.34499,"sentiment":"neutral","sentiment_score":-0.0502861812710762},{"text":"It's okay.","start":75.34499,"end":75.905,"sentiment":"neutral","sentiment_score":0.02021726343082264}],"sentiment":"neutral","sentiment_score":0.025723479097775583,"num_words":14,"start":23.345,"end":75.905},{"sentences":[{"text":"That's fine.","start":75.905,"end":76.645,"sentiment":"neutral","sentiment_score":0.18306369334459305},{"text":"Mhmm.","start":96.770004,"end":96.850006,"sentiment":"neutral","sentiment_score":0.015151575207710266},{"text":"Mhmm.","start":96.850006,"end":97.25,"sentiment":"neutral","sentiment_score":0.005840243771672249},{"text":"Make dollars.","start":97.25,"end":97.990005,"sentiment":"neutral","sentiment_score":0.03936606086790562},{"text":"Now it's at hot mail dot com.","start":106.284996,"end":108.225,"sentiment":"neutral","sentiment_score":0.03863143415323326}],"sentiment":"neutral","sentiment_score":0.0566362589597702,"num_words":13,"start":75.905,"end":108.225},{"sentences":[{"text":"We we will be getting married in October this 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stuff.","start":590.32495,"end":597.625,"sentiment":"neutral","sentiment_score":0.006592502655542415},{"text":"Yeah.","start":606.8,"end":607.12,"sentiment":"neutral","sentiment_score":0.06928135454654694}],"sentiment":"neutral","sentiment_score":0.037584624967949336,"num_words":43,"start":583.19,"end":607.12},{"sentences":[{"text":"So my AMX is, like, $23, and then I've got a Mastercard as well just, you know because not all places take AMX.","start":607.12,"end":615.3,"sentiment":"neutral","sentiment_score":0.10684129903497903},{"text":"So I think that's, like, 15,000.","start":616.575,"end":618.435,"sentiment":"neutral","sentiment_score":0.14932610342899957},{"text":"No.","start":625.455,"end":625.77496,"sentiment":"neutral","sentiment_score":-0.12355881929397584},{"text":"No.","start":625.77496,"end":626.175,"sentiment":"neutral","sentiment_score":-0.1305937021970749},{"text":"Like I said, every month I pay it off.","start":626.175,"end":628.035,"sentiment":"neutral","sentiment_score":-0.04207550320360395}],"sentiment":"neutral","sentiment_score":0.06801186120137573,"num_words":40,"start":607.12,"end":628.035},{"sentences":[{"text":"And my offset would be about $80.","start":634.11,"end":636.29,"sentiment":"neutral","sentiment_score":0.09051117354205676},{"text":"Then I think yeah.","start":639.39,"end":642.75,"sentiment":"neutral","sentiment_score":0.10477824602276087},{"text":"Separate savings, but there's literally not a cent in there.","start":642.75,"end":645.635,"sentiment":"neutral","sentiment_score":0.00917618554085493},{"text":"I do have a redraw account that's connected to that account.","start":648.65497,"end":653.555,"sentiment":"neutral","sentiment_score":0.1376099715178663},{"text":"Yeah.","start":656.975,"end":657.215,"sentiment":"neutral","sentiment_score":0.07376264780759811}],"sentiment":"neutral","sentiment_score":0.0827856178423672,"num_words":33,"start":634.11,"end":657.215},{"sentences":[{"text":"So there's, like, a redraw from the actual line, which has got, like, a 130 k in it.","start":657.215,"end":664.9216,"sentiment":"neutral","sentiment_score":0.08142942376434803},{"text":"Yeah.","start":664.9216,"end":665.39246,"sentiment":"neutral","sentiment_score":0.08229649066925049},{"text":"Yeah.","start":665.39246,"end":665.8634,"sentiment":"neutral","sentiment_score":0.08118803054094315},{"text":"So my intention is to have it paid off in, like, three years.","start":665.8634,"end":671.985,"sentiment":"neutral","sentiment_score":0.0977006869820448},{"text":"And then, yeah, I fully just, like, enjoy life a little bit more.","start":673.745,"end":678.08496,"sentiment":"positive","sentiment_score":0.41531508358625263}],"sentiment":"neutral","sentiment_score":0.1804004166599201,"num_words":46,"start":657.215,"end":678.08496},{"sentences":[{"text":"Yeah.","start":695.7,"end":696.2,"sentiment":"neutral","sentiment_score":0.07190782576799393},{"text":"Yeah.","start":696.42,"end":696.74,"sentiment":"neutral","sentiment_score":0.05687883868813515},{"text":"Potentially.","start":696.74,"end":697.24,"sentiment":"neutral","sentiment_score":0.03736938536167145},{"text":"I we kinda put it on hold a little bit just because of, like, the wedding.","start":698.765,"end":702.385,"sentiment":"neutral","sentiment_score":-0.07263517077080905},{"text":"So I have put, like, $30 into just different shares just so I've got some sort of investment going there.","start":702.445,"end":709.48505,"sentiment":"neutral","sentiment_score":0.25301350504159925}],"sentiment":"neutral","sentiment_score":0.10421188252094464,"num_words":39,"start":695.7,"end":709.48505},{"sentences":[{"text":"They seem to be going okay.","start":709.48505,"end":710.945,"sentiment":"positive","sentiment_score":0.49549055099487305},{"text":"But, yeah, my my game plan is to get married this year and then next year just leverage up equity of the property to get either a smaller unit or to build a forever home and then just rent out this property.","start":713.36,"end":725.14,"sentiment":"neutral","sentiment_score":0.2645920163818768},{"text":"But, yeah, we'll see.","start":726.965,"end":728.105,"sentiment":"neutral","sentiment_score":0.06823099590837955},{"text":"Mhmm.","start":739.925,"end":740.425,"sentiment":"neutral","sentiment_score":-0.013106553815305231},{"text":"Uh-huh.","start":770.83496,"end":771.33496,"sentiment":"neutral","sentiment_score":-0.010848215781152248}],"sentiment":"neutral","sentiment_score":0.2654588371860208,"num_words":54,"start":709.48505,"end":771.33496},{"sentences":[{"text":"Okay.","start":780.01,"end":780.51,"sentiment":"neutral","sentiment_score":-0.0036253612488508224},{"text":"Yeah.","start":780.57,"end":780.81,"sentiment":"neutral","sentiment_score":0.008842317387461662},{"text":"Okay.","start":780.81,"end":781.21,"sentiment":"neutral","sentiment_score":0.007193351164460182},{"text":"So what you you're actually better off to life purchase or build an investment property and then just, yeah, use that as your investment and not necessarily, like, have your forever home and rent out your other one, if that makes sense?","start":781.21,"end":794.255,"sentiment":"neutral","sentiment_score":0.020585427348989816},{"text":"No.","start":809.12994,"end":809.29,"sentiment":"neutral","sentiment_score":0.003448236733675003}],"sentiment":"neutral","sentiment_score":0.019140141145528658,"num_words":46,"start":780.01,"end":809.29},{"sentences":[{"text":"That's okay.","start":809.29,"end":809.93,"sentiment":"neutral","sentiment_score":0.13414622843265533},{"text":"I do have a broker that assists you with this loan.","start":809.93,"end":813.325,"sentiment":"neutral","sentiment_score":0.2219303548336029},{"text":"So yeah.","start":813.325,"end":815.425,"sentiment":"neutral","sentiment_score":0.16025033593177795},{"text":"Uh-huh.","start":843.335,"end":843.835,"sentiment":"neutral","sentiment_score":-0.19287444651126864},{"text":"Yeah.","start":860.11,"end":860.61,"sentiment":"neutral","sentiment_score":-0.17508380115032196}],"sentiment":"neutral","sentiment_score":0.15659228142570047,"num_words":17,"start":809.29,"end":860.61},{"sentences":[{"text":"Yeah.","start":861.95,"end":862.27,"sentiment":"neutral","sentiment_score":-0.07477360963821411},{"text":"I can.","start":862.27,"end":863.01,"sentiment":"neutral","sentiment_score":-0.04190966300666332},{"text":"Mhmm.","start":866.91,"end":867.41,"sentiment":"neutral","sentiment_score":0.028956588357686996},{"text":"Yeah.","start":873.315,"end":873.635,"sentiment":"neutral","sentiment_score":0.014091599732637404},{"text":"A couple years ago.","start":873.635,"end":874.775,"sentiment":"neutral","sentiment_score":-0.0013611782342195528}],"sentiment":"neutral","sentiment_score":-0.013443273388677172,"num_words":9,"start":861.95,"end":874.775},{"sentences":[{"text":"Yes.","start":884.73,"end":885.23,"sentiment":"neutral","sentiment_score":0.06823734194040298},{"text":"It's got like a fair bit of case on it now.","start":885.37,"end":887.37,"sentiment":"neutral","sentiment_score":0.03973207927562974},{"text":"Probably be sitting around maybe 25, I'd say.","start":887.37,"end":890.67,"sentiment":"neutral","sentiment_score":0.038276946637779474},{"text":"So we actually got it valued by a couple of real estate agents early this year.","start":899.235,"end":903.795,"sentiment":"neutral","sentiment_score":0.11573683610185981},{"text":"So the evaluation, like, on average was between, like, I think it was, like, $8.60 or, like, $9.50 or very between three of the agents.","start":903.795,"end":913.095,"sentiment":"neutral","sentiment_score":0.08198457971215248}],"sentiment":"neutral","sentiment_score":0.07726081405751041,"num_words":61,"start":884.73,"end":913.095},{"sentences":[{"text":"In terms of how much it's owing, I'm actually in my app at the moment.","start":914.81006,"end":917.77,"sentiment":"neutral","sentiment_score":0.11334226379791895},{"text":"So I've got 320,000 owing.","start":917.77,"end":920.27,"sentiment":"neutral","sentiment_score":0.12723567187786103},{"text":"No.","start":934.815,"end":935.215,"sentiment":"neutral","sentiment_score":-0.32866907119750977},{"text":"Nothing like that.","start":935.215,"end":936.355,"sentiment":"neutral","sentiment_score":-0.2904617339372635},{"text":"No.","start":948.10004,"end":948.60004,"sentiment":"neutral","sentiment_score":-0.0889744907617569}],"sentiment":"neutral","sentiment_score":0.04189134210348129,"num_words":25,"start":914.81006,"end":948.60004},{"sentences":[{"text":"Yeah.","start":955.345,"end":955.745,"sentiment":"neutral","sentiment_score":0.015274006873369215},{"text":"No.","start":955.745,"end":956.245,"sentiment":"neutral","sentiment_score":0.012607753276824951},{"text":"No.","start":957.105,"end":957.345,"sentiment":"neutral","sentiment_score":0.09738409519195557},{"text":"That's all good.","start":957.345,"end":958.325,"sentiment":"neutral","sentiment_score":0.2790819505850474},{"text":"Yeah.","start":963.425,"end":963.665,"sentiment":"neutral","sentiment_score":-0.0022659623064100742}],"sentiment":"neutral","sentiment_score":0.13717796354155457,"num_words":7,"start":955.345,"end":963.665},{"sentences":[{"text":"They have private health.","start":963.665,"end":964.86,"sentiment":"neutral","sentiment_score":-0.02057280228473246},{"text":"Hospital and extras.","start":969.1,"end":970.48,"sentiment":"neutral","sentiment_score":-0.04837988937894503},{"text":"Yeah.","start":975.89996,"end":976.3,"sentiment":"neutral","sentiment_score":-0.10511727631092072},{"text":"I think I I've had it for a couple of years now.","start":976.3,"end":978.38,"sentiment":"neutral","sentiment_score":-0.11654515440265338},{"text":"I think it was just oh, after you earn, like, 90 k or something, they start slugging you a levy, so I think I just got it since then.","start":978.38,"end":986.395,"sentiment":"neutral","sentiment_score":-0.16785979014018487}],"sentiment":"neutral","sentiment_score":-0.13467395756089565,"num_words":49,"start":963.665,"end":986.395},{"sentences":[{"text":"Yeah.","start":1014.485,"end":1014.805,"sentiment":"neutral","sentiment_score":-0.09437734633684158},{"text":"Yeah.","start":1014.805,"end":1015.125,"sentiment":"neutral","sentiment_score":-0.09550070762634276},{"text":"Yeah.","start":1015.125,"end":1015.625,"sentiment":"neutral","sentiment_score":-0.1341751515865326},{"text":"Oh, wow.","start":1025.89,"end":1026.45,"sentiment":"negative","sentiment_score":-0.39072994887828827},{"text":"That's terrible.","start":1026.45,"end":1027.35,"sentiment":"negative","sentiment_score":-0.7003196775913239}],"sentiment":"negative","sentiment_score":-0.35802177978413446,"num_words":7,"start":1014.485,"end":1027.35},{"sentences":[{"text":"Mhmm.","start":1044.785,"end":1045.285,"sentiment":"neutral","sentiment_score":-0.027216829359531403},{"text":"Yeah.","start":1048.78,"end":1049.1,"sentiment":"neutral","sentiment_score":-0.009230215102434158},{"text":"I I think so.","start":1049.1,"end":1052.3,"sentiment":"neutral","sentiment_score":0.006581254303455353},{"text":"I think within, like, the next couple of years, we'll get a will.","start":1052.3,"end":1055.28,"sentiment":"neutral","sentiment_score":0.01046489465695161},{"text":"Yeah.","start":1056.86,"end":1057.1799,"sentiment":"neutral","sentiment_score":-0.03955749422311783}],"sentiment":"neutral","sentiment_score":0.004318205453455448,"num_words":20,"start":1044.785,"end":1057.1799},{"sentences":[{"text":"Obviously, he's still young, so I'm not, like, overly concerned.","start":1057.1799,"end":1059.82,"sentiment":"neutral","sentiment_score":-0.1907083123922348},{"text":"But I did lose my dad to cancer a couple years ago, and my mom's getting a little bit older as well.","start":1059.82,"end":1065.085,"sentiment":"neutral","sentiment_score":-0.21377839215777136},{"text":"So I helped her get her wheel sorted.","start":1065.085,"end":1067.005,"sentiment":"neutral","sentiment_score":-0.006781567819416523},{"text":"So, yeah, it's on my mind.","start":1067.005,"end":1070.125,"sentiment":"neutral","sentiment_score":-0.053542461867133774},{"text":"It's not something I completely avoided.","start":1070.125,"end":1071.6649,"sentiment":"neutral","sentiment_score":-0.21487200011809668}],"sentiment":"neutral","sentiment_score":-0.15913359742038524,"num_words":52,"start":1057.1799,"end":1071.6649},{"sentences":[{"text":"Yeah.","start":1080.94,"end":1081.44,"sentiment":"neutral","sentiment_score":-0.1002587378025055},{"text":"Uh-huh.","start":1096.7949,"end":1097.2949,"sentiment":"neutral","sentiment_score":-0.05170377716422081},{"text":"Yeah.","start":1103.0701,"end":1103.39,"sentiment":"neutral","sentiment_score":-0.00977944489568472},{"text":"I got him.","start":1103.39,"end":1110.45,"sentiment":"neutral","sentiment_score":-0.019688065784672897},{"text":"No.","start":1111.31,"end":1111.81,"sentiment":"neutral","sentiment_score":-0.0652271956205368}],"sentiment":"neutral","sentiment_score":-0.04086190754813807,"num_words":7,"start":1080.94,"end":1111.81},{"sentences":[{"text":"No.","start":1123.095,"end":1123.595,"sentiment":"neutral","sentiment_score":-0.14047664403915405},{"text":"That's random.","start":1124.1349,"end":1124.875,"sentiment":"neutral","sentiment_score":-0.13413101434707642},{"text":"Okay.","start":1150.305,"end":1150.625,"sentiment":"neutral","sentiment_score":-0.11021281033754347},{"text":"But what what if I what if someone just lied to answering that question?","start":1150.625,"end":1155.11,"sentiment":"negative","sentiment_score":-0.424598753452301},{"text":"Okay.","start":1167.845,"end":1168.345,"sentiment":"neutral","sentiment_score":-0.04479530453681946}],"sentiment":"negative","sentiment_score":-0.3425331229442044,"num_words":19,"start":1123.095,"end":1168.345},{"sentences":[{"text":"Yep.","start":1181.525,"end":1182.025,"sentiment":"neutral","sentiment_score":0.03401545062661171},{"text":"Yeah.","start":1186.79,"end":1187.11,"sentiment":"neutral","sentiment_score":0.02343899756669998},{"text":"Fair enough.","start":1187.11,"end":1187.85,"sentiment":"neutral","sentiment_score":0.043866829946637154},{"text":"Yeah.","start":1192.0701,"end":1192.47,"sentiment":"neutral","sentiment_score":0.28104689717292786},{"text":"Cool.","start":1192.47,"end":1192.97,"sentiment":"positive","sentiment_score":0.5447037816047668}],"sentiment":"neutral","sentiment_score":0.16182313114404678,"num_words":6,"start":1181.525,"end":1192.97},{"sentences":[{"text":"Mhmm.","start":1205.685,"end":1206.185,"sentiment":"neutral","sentiment_score":0.025163039565086365},{"text":"Not really.","start":1206.485,"end":1206.9651,"sentiment":"neutral","sentiment_score":-0.06790599599480629},{"text":"I just wanna, like, by the end of this year, I wanna be probably have the house sitting around, like, an extra maybe 30 or $40 paid off it.","start":1206.9651,"end":1216.0299,"sentiment":"neutral","sentiment_score":0.03376243302020533},{"text":"I kinda wanna get into, like, the $2.08, $2.09 mark with how much is left.","start":1216.0299,"end":1221.25,"sentiment":"neutral","sentiment_score":0.12474818776051204},{"text":"No.","start":1232.395,"end":1232.715,"sentiment":"neutral","sentiment_score":-0.24066710472106936}],"sentiment":"neutral","sentiment_score":0.052062860767667495,"num_words":48,"start":1205.685,"end":1232.715},{"sentences":[{"text":"Not really.","start":1232.715,"end":1233.375,"sentiment":"neutral","sentiment_score":-0.1764884889125824},{"text":"Yeah.","start":1252.505,"end":1252.665,"sentiment":"neutral","sentiment_score":0.21294942498207092},{"text":"Yeah.","start":1252.665,"end":1252.985,"sentiment":"neutral","sentiment_score":0.1500963717699051},{"text":"So I think even the, like, the suite that you guys set up for me, it's in, like, a high grow high risk sort of portfolio.","start":1252.985,"end":1262.045,"sentiment":"neutral","sentiment_score":0.06787714591393104},{"text":"Yeah.","start":1273.28,"end":1273.78,"sentiment":"neutral","sentiment_score":0.005356045439839363}],"sentiment":"neutral","sentiment_score":0.057426795423511534,"num_words":31,"start":1232.715,"end":1273.78},{"sentences":[{"text":"I'd probably get somewhere in between.","start":1275.52,"end":1277.22,"sentiment":"neutral","sentiment_score":-0.03424966987222433},{"text":"Depends out, like, what I've got coming up.","start":1277.6,"end":1279.685,"sentiment":"neutral","sentiment_score":-0.05905494512990117},{"text":"Like, like, with the wedding, for example, probably a little bit more conservative than I would be usually.","start":1279.685,"end":1285.225,"sentiment":"neutral","sentiment_score":-0.036749480913082756},{"text":"Yeah.","start":1288.085,"end":1288.405,"sentiment":"neutral","sentiment_score":0.0002555958926677704},{"text":"Sorry.","start":1288.405,"end":1288.725,"sentiment":"neutral","sentiment_score":-0.12080482393503188}],"sentiment":"neutral","sentiment_score":-0.04294051366912968,"num_words":34,"start":1275.52,"end":1288.725},{"sentences":[{"text":"To answer that question, probably somewhere in between.","start":1288.725,"end":1290.8251,"sentiment":"neutral","sentiment_score":-0.14677969086915255},{"text":"I I'd probably like oh, not the same, like, buy the dip almost.","start":1320.4,"end":1327.68,"sentiment":"neutral","sentiment_score":-0.163421807380823},{"text":"So, like, trying to dollar average it out better.","start":1327.68,"end":1330.64,"sentiment":"neutral","sentiment_score":-0.04820702307754093},{"text":"So I'd yeah.","start":1330.64,"end":1331.6,"sentiment":"neutral","sentiment_score":0.029649244621396065},{"text":"Just by that depending on what the shares were, I'd probably just get more and accumulate more with the intention of them going up or going back up over time.","start":1331.6,"end":1342.525,"sentiment":"neutral","sentiment_score":0.04679232599834601}],"sentiment":"neutral","sentiment_score":-0.03555343994900348,"num_words":63,"start":1288.725,"end":1342.525},{"sentences":[{"text":"But if I was, for example I don't know.","start":1344.265,"end":1346.67,"sentiment":"neutral","sentiment_score":-0.1555680748489168},{"text":"If they were going really pear shaped and I needed money, like, you know, for the wedding or whatever, then I'd probably consider selling a portion of it.","start":1346.67,"end":1354.91,"sentiment":"neutral","sentiment_score":-0.2355327760534627},{"text":"Not all of them, but a portion just to have cash there.","start":1354.91,"end":1357.41,"sentiment":"neutral","sentiment_score":-0.14657959838708243},{"text":"Yeah.","start":1359.31,"end":1359.4701,"sentiment":"neutral","sentiment_score":0.017781592905521393},{"text":"Again, depends on the circumstance.","start":1359.4701,"end":1361.01,"sentiment":"neutral","sentiment_score":-0.05005259066820145}],"sentiment":"neutral","sentiment_score":-0.1815721262585033,"num_words":55,"start":1344.265,"end":1361.01},{"sentences":[{"text":"What?","start":1377.89,"end":1378.21,"sentiment":"neutral","sentiment_score":-0.04788137972354889},{"text":"From a health perspective or a financial perspective?","start":1378.21,"end":1380.47,"sentiment":"neutral","sentiment_score":-0.05617907317355275},{"text":"Nah.","start":1385.01,"end":1385.51,"sentiment":"neutral","sentiment_score":-0.22751936316490173},{"text":"I I didn't really take any notice of it, to be 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Benelon.","start":1626.0,"end":1633.725,"sentiment":"neutral","sentiment_score":0.2578708777825038},{"text":"I think it's like a third of my portfolio.","start":1633.725,"end":1635.5049,"sentiment":"neutral","sentiment_score":0.17907980498340395},{"text":"Mhmm.","start":1646.445,"end":1646.945,"sentiment":"neutral","sentiment_score":-0.08320356905460358},{"text":"Yep.","start":1670.465,"end":1670.965,"sentiment":"neutral","sentiment_score":0.11778133362531662}],"sentiment":"neutral","sentiment_score":0.22779123094819842,"num_words":42,"start":1625.6,"end":1670.965},{"sentences":[{"text":"Yeah.","start":1671.585,"end":1672.085,"sentiment":"neutral","sentiment_score":0.12387634068727492},{"text":"So, yeah, I I would be more than happy to make a change on that.","start":1672.785,"end":1676.6,"sentiment":"neutral","sentiment_score":0.23679264585177104},{"text":"Is this something that you facilitate, or do I have to speak to someone else?","start":1676.6,"end":1679.7999,"sentiment":"neutral","sentiment_score":-0.010246344034870465},{"text":"Or mhmm.","start":1679.7999,"end":1687.98,"sentiment":"neutral","sentiment_score":-0.02706155611667782},{"text":"Yeah.","start":1714.55,"end":1714.79,"sentiment":"neutral","sentiment_score":-0.07585702836513519}],"sentiment":"neutral","sentiment_score":0.09976737433359684,"num_words":34,"start":1671.585,"end":1714.79},{"sentences":[{"text":"Yeah.","start":1714.79,"end":1715.03,"sentiment":"neutral","sentiment_score":-0.04339931160211563},{"text":"I gotcha.","start":1715.03,"end":1715.61,"sentiment":"neutral","sentiment_score":-0.06329747475683689},{"text":"Yeah.","start":1740.4099,"end":1740.6499,"sentiment":"neutral","sentiment_score":0.12389235943555832},{"text":"Okay.","start":1740.6499,"end":1741.1499,"sentiment":"neutral","sentiment_score":0.2673967182636261},{"text":"Mhmm.","start":1772.5,"end":1772.955,"sentiment":"neutral","sentiment_score":0.08515220880508423}],"sentiment":"neutral","sentiment_score":0.05107450423141321,"num_words":6,"start":1714.79,"end":1772.955},{"sentences":[{"text":"Mhmm.","start":1799.9501,"end":1800.4501,"sentiment":"neutral","sentiment_score":-0.0011044377461075785},{"text":"Mhmm.","start":1808.985,"end":1809.485,"sentiment":"neutral","sentiment_score":-0.0008970815688371658},{"text":"Mhmm.","start":1829.13,"end":1829.63,"sentiment":"neutral","sentiment_score":0.09536612778902054},{"text":"Mhmm.","start":1843.6649,"end":1844.16,"sentiment":"neutral","sentiment_score":-0.020245546475052834},{"text":"Mhmm.","start":1853.2001,"end":1853.7001,"sentiment":"neutral","sentiment_score":-0.033502355217933655}],"sentiment":"neutral","sentiment_score":0.007923341356217861,"num_words":5,"start":1799.9501,"end":1853.7001},{"sentences":[{"text":"Mhmm.","start":1900.275,"end":1900.775,"sentiment":"neutral","sentiment_score":-0.1106887385249138},{"text":"Mhmm.","start":1923.0651,"end":1923.5651,"sentiment":"neutral","sentiment_score":-0.004186729900538921},{"text":"Okay.","start":1923.625,"end":1924.125,"sentiment":"neutral","sentiment_score":0.00482645258307457},{"text":"No.","start":1935.51,"end":1935.75,"sentiment":"neutral","sentiment_score":-0.24223384261131287},{"text":"I've never heard of that.","start":1935.75,"end":1937.13,"sentiment":"neutral","sentiment_score":-0.2314257264137268}],"sentiment":"neutral","sentiment_score":-0.16771238783581388,"num_words":9,"start":1900.275,"end":1937.13},{"sentences":[{"text":"Mhmm.","start":2002.615,"end":2003.115,"sentiment":"neutral","sentiment_score":0.04323416203260422},{"text":"Okay.","start":2003.335,"end":2003.835,"sentiment":"neutral","sentiment_score":-0.082356758415699},{"text":"Okay.","start":2032.9249,"end":2033.4249,"sentiment":"neutral","sentiment_score":0.05525343120098114},{"text":"Well, that's probably something to think about.","start":2033.8049,"end":2035.6649,"sentiment":"neutral","sentiment_score":0.04543187815163817},{"text":"Yeah.","start":2066.9849,"end":2067.305,"sentiment":"neutral","sentiment_score":0.06536669284105301}],"sentiment":"neutral","sentiment_score":0.03632006133821877,"num_words":11,"start":2002.615,"end":2067.305},{"sentences":[{"text":"Okay.","start":2067.305,"end":2067.805,"sentiment":"neutral","sentiment_score":0.037572793662548065},{"text":"No.","start":2067.865,"end":2068.105,"sentiment":"neutral","sentiment_score":-0.11812616884708405},{"text":"Look.","start":2068.105,"end":2068.505,"sentiment":"neutral","sentiment_score":-0.0934627577662468},{"text":"I'm pretty comfortable in terms of, like, where our financials sit.","start":2068.505,"end":2072.0999,"sentiment":"neutral","sentiment_score":0.031101672021164137},{"text":"So, yeah, we probably wouldn't make any changes at the moment.","start":2072.0999,"end":2074.8398,"sentiment":"neutral","sentiment_score":-0.07341771098700436}],"sentiment":"neutral","sentiment_score":-0.025579702463001012,"num_words":25,"start":2067.305,"end":2074.8398},{"sentences":[{"text":"Mhmm.","start":2085.805,"end":2086.305,"sentiment":"neutral","sentiment_score":0.1447782963514328},{"text":"Mhmm.","start":2100.3198,"end":2100.8198,"sentiment":"neutral","sentiment_score":-0.025296838954091072},{"text":"Yeah.","start":2113.685,"end":2114.0051,"sentiment":"neutral","sentiment_score":0.28831225633621216},{"text":"Cool.","start":2114.0051,"end":2114.5051,"sentiment":"positive","sentiment_score":0.3764859437942505},{"text":"Okay.","start":2126.76,"end":2127.26,"sentiment":"neutral","sentiment_score":0.05833932012319565}],"sentiment":"neutral","sentiment_score":0.1685237955302,"num_words":5,"start":2085.805,"end":2127.26},{"sentences":[{"text":"Yeah.","start":2127.48,"end":2127.8801,"sentiment":"neutral","sentiment_score":0.06026891618967056},{"text":"Okay.","start":2127.8801,"end":2128.3801,"sentiment":"neutral","sentiment_score":0.08761636912822723},{"text":"My ID's expired.","start":2146.4348,"end":2147.8948,"sentiment":"neutral","sentiment_score":-0.12128549565871556},{"text":"Really?","start":2148.115,"end":2148.615,"sentiment":"neutral","sentiment_score":-0.11045263707637788},{"text":"Okay.","start":2161.17,"end":2161.57,"sentiment":"neutral","sentiment_score":-0.0015384461730718613}],"sentiment":"neutral","sentiment_score":-0.04685175498681409,"num_words":7,"start":2127.48,"end":2161.57},{"sentences":[{"text":"So what do I do to update that?","start":2161.57,"end":2163.3499,"sentiment":"neutral","sentiment_score":0.0139130346942693},{"text":"Yep.","start":2169.665,"end":2170.165,"sentiment":"neutral","sentiment_score":0.08508610725402832},{"text":"Yep.","start":2178.945,"end":2179.2651,"sentiment":"neutral","sentiment_score":0.062032125890254974},{"text":"Okay.","start":2179.2651,"end":2179.7651,"sentiment":"neutral","sentiment_score":0.104593425989151},{"text":"Okay.","start":2196.305,"end":2196.805,"sentiment":"neutral","sentiment_score":0.2253706455230713}],"sentiment":"neutral","sentiment_score":0.04903221518422166,"num_words":12,"start":2161.57,"end":2196.805},{"sentences":[{"text":"Yeah.","start":2207.09,"end":2207.4902,"sentiment":"positive","sentiment_score":0.4564865827560425},{"text":"Cool.","start":2207.4902,"end":2207.81,"sentiment":"positive","sentiment_score":0.615404486656189},{"text":"Okay.","start":2207.81,"end":2208.31,"sentiment":"positive","sentiment_score":0.35406678915023804},{"text":"No.","start":2217.4902,"end":2217.9902,"sentiment":"neutral","sentiment_score":0.17641443014144895},{"text":"I'm I'm pretty, yeah, pretty happy for the time being.","start":2218.53,"end":2221.2551,"sentiment":"positive","sentiment_score":0.473848482966423}],"sentiment":"positive","sentiment_score":0.4529183655977249,"num_words":14,"start":2207.09,"end":2221.2551},{"sentences":[{"text":"Mhmm.","start":2226.915,"end":2227.415,"sentiment":"neutral","sentiment_score":0.21691015362739563},{"text":"Yep.","start":2234.7551,"end":2235.21,"sentiment":"neutral","sentiment_score":0.24961793422698977},{"text":"Mhmm.","start":2246.73,"end":2247.23,"sentiment":"neutral","sentiment_score":0.10660752654075624},{"text":"Mhmm.","start":2254.805,"end":2255.305,"sentiment":"neutral","sentiment_score":0.025602849200367928},{"text":"Mhmm.","start":2264.69,"end":2265.19,"sentiment":"neutral","sentiment_score":0.08651697635650635}],"sentiment":"neutral","sentiment_score":0.13705108799040316,"num_words":5,"start":2226.915,"end":2265.19},{"sentences":[{"text":"Yeah.","start":2276.3699,"end":2276.6099,"sentiment":"neutral","sentiment_score":0.1355791687965393},{"text":"Okay.","start":2276.6099,"end":2277.1099,"sentiment":"neutral","sentiment_score":0.1915014535188675},{"text":"MoneySmart.","start":2277.17,"end":2277.65,"sentiment":"neutral","sentiment_score":0.2184637039899826},{"text":"Is that what it's called?","start":2277.65,"end":2283.485,"sentiment":"neutral","sentiment_score":0.20557713210582734},{"text":"Oh, okay.","start":2284.0251,"end":2284.925,"sentiment":"neutral","sentiment_score":0.2217724397778511}],"sentiment":"neutral","sentiment_score":0.20169748663902282,"num_words":10,"start":2276.3699,"end":2284.925},{"sentences":[{"text":"Yeah.","start":2291.865,"end":2292.345,"sentiment":"neutral","sentiment_score":0.23505637049674988},{"text":"Cool.","start":2292.345,"end":2292.78,"sentiment":"positive","sentiment_score":0.44805631041526794},{"text":"Yeah.","start":2300.54,"end":2300.94,"sentiment":"neutral","sentiment_score":0.26899999380111694},{"text":"Cool.","start":2300.94,"end":2301.26,"sentiment":"positive","sentiment_score":0.48000568151474},{"text":"Alright.","start":2301.26,"end":2301.76,"sentiment":"positive","sentiment_score":0.46075087785720825}],"sentiment":"positive","sentiment_score":0.3785738468170166,"num_words":5,"start":2291.865,"end":2301.76},{"sentences":[{"text":"No.","start":2309.835,"end":2310.2349,"sentiment":"neutral","sentiment_score":-0.24981236457824707},{"text":"I'm not at this stage.","start":2310.2349,"end":2311.375,"sentiment":"neutral","sentiment_score":-0.3129038572311401},{"text":"We've got a bit of change going on at work, so probably not making any significant changes with funding.","start":2311.6748,"end":2317.2148,"sentiment":"neutral","sentiment_score":-0.1989877074956894},{"text":"Yeah.","start":2321.2,"end":2321.7,"sentiment":"neutral","sentiment_score":0.1317863166332245},{"text":"No.","start":2326.88,"end":2327.2,"sentiment":"neutral","sentiment_score":0.05289489030838013}],"sentiment":"neutral","sentiment_score":-0.20038581060038674,"num_words":27,"start":2309.835,"end":2327.2},{"sentences":[{"text":"You're fine.","start":2327.2,"end":2327.94,"sentiment":"neutral","sentiment_score":0.2865920066833496},{"text":"Awesome.","start":2328.64,"end":2329.1199,"sentiment":"positive","sentiment_score":0.7441030740737915},{"text":"Thanks, mate.","start":2329.1199,"end":2329.5999,"sentiment":"positive","sentiment_score":0.678240031003952},{"text":"Appreciate it.","start":2329.5999,"end":2330.5798,"sentiment":"positive","sentiment_score":0.7356740236282349},{"text":"Cheers.","start":2332.48,"end":2332.88,"sentiment":"positive","sentiment_score":0.5444258451461792}],"sentiment":"positive","sentiment_score":0.5861926302313805,"num_words":8,"start":2327.2,"end":2332.88},{"sentences":[{"text":"Bye.","start":2332.88,"end":2333.38,"sentiment":"neutral","sentiment_score":-0.0989476889371872}],"sentiment":"neutral","sentiment_score":-0.0989476889371872,"num_words":1,"start":2332.88,"end":2333.38}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Dominic speaking.\n\nChannel 0: Good afternoon, Dominic.\n\nChannel 1: How's it going,\n\nChannel 0: It's\n\nChannel 1: Dominic?\n\nChannel 0: Carl calling from from Oakview Financial in regards to your annual review.\n\nChannel 1: Hey, mate.\n\nChannel 0: How's it going?\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: Not\n\nChannel 0: now\n\nChannel 1: too bad.\n\nChannel 0: is now still a good time for you?\n\nChannel 1: Yeah. Now I'm fine.\n\nChannel 0: Brilliant. Now just to get started on that one, Dominic, if I could just pass you security with that name, date of birth, and current address, we can get stuck into that one today.\n\nChannel 1: Yeah. I'm driving. Dominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker.\n\nChannel 0: Great. Thanks for that one, Dominic. Now I don't believe we've spoken previously, sir. As I said, my name is Carl. I'm one of the financial advisers here at OQ Financial.\n\nChannel 1: Mhmm.\n\nChannel 0: If you do wanna know a little bit more about me, you can go on the website and see a pretty picture and know a little bit more about myself. And, also, there's been a few business updates with OQ Financial there as well. So they do have a new ongoing financial services guide and ongoing services guide there as well. And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like.\n\nChannel 1: Okay.\n\nChannel 0: All all largely unchanged to just a few business updates as they're sort of growing and getting a bit bigger. Just a business changes, which is partly why you sort of end your reviews taken as long as it has to sort of come around. So I do apologize for the wait on that one.\n\nChannel 1: No. It's okay. That's fine.\n\nChannel 0: Perfect. Now I know you've done a few of these before there, Dominic. So what I'll do is I'll just run through and confirm a few of those details on your fax line again. I'll also run through a quick risk profile to see how that compares to what we've currently got you in, and then I'll also send out those documents, have a bit of conversation how things have gone the last twelve months and maybe few updates that need addressing as well.\n\nChannel 1: Mhmm. Mhmm. Make dollars.\n\nChannel 0: Perfect. Now you did say address unchanged. Email still Dominic. I'm gonna butcher your last name there. So\n\nChannel 1: Now\n\nChannel 0: at\n\nChannel 1: it's\n\nChannel 0: Hotmail.\n\nChannel 1: at hot mail dot com.\n\nChannel 0: Exactly. Perfect. And I know you're engaged to Danielle the last time we spoke. Have you managed to to tie the knot yet? How's that going?\n\nChannel 1: We we will be getting married in October this year.\n\nChannel 0: October. Very exciting. Sure. A bit of an expense as well, but, you know, it all comes with the game.\n\nChannel 1: Yeah. Yeah. We're doing it a little bit differently. We're doing it across, like, two different weekends. So it's not gonna be, like, super, super expensive, not like a $100 or anything like that, but still enough to make the bank account feel a little bit sad.\n\nChannel 0: Yep. Yep. Definitely. Now I don't have a next of kin contact there for Danielle. Is there a chance that you wanted to put that down in terms that we couldn't reach you for whatever reason?\n\nChannel 1: Yeah. You can put Danielle down. Yep.\n\nChannel 0: Yep. And her number was\n\nChannel 1: 0401\n\nChannel 0: yep.\n\nChannel 1: 031\n\nChannel 0: Yep.\n\nChannel 1: 855.\n\nChannel 0: 855. Perfect. And then in regards to dependents, still no dependents at the moment? Maybe maybe in the future on the on the cards.\n\nChannel 1: No. Yeah. Maybe. Hopefully, not too soon, though. Yeah.\n\nExactly.\n\nChannel 0: Yes. Another expense, unfortunately. And I do believe, Danielle, she is a client with us as well. Correct?\n\nChannel 1: Yeah. I when I joined up with you guys, I got her to come across as well.\n\nChannel 0: Yeah. Perfect. Obviously, you know, just in saying that I can't just sort of chuck her details on, which is why why I asked. Did you guys don't have an ETPA on file or, like, external third party authority to talk about each other's accounts? I can't exactly just disclose her details as weird as that does sound even though you're engaged and about\n\nChannel 1: No.\n\nChannel 0: to be\n\nChannel 1: No.\n\nChannel 0: married.\n\nChannel 1: I understand. I work in insurance, so that's fine.\n\nChannel 0: Perfect. Now in regards to your role, I know you were a business development manager and you moved to a corporate sponsorship manager. Is that correct, or have you changed roles since then?\n\nChannel 1: Yeah. It was corporate partnerships manager. Now I've just had a title change where it's national partnerships manager.\n\nChannel 0: Oh, perfect. And with that, has that changed your role and sort of what you do?\n\nChannel 1: Not really. It's still, like, essentially business development, but I look after our corporate accounts as well. So just like our key corporate clients.\n\nChannel 0: Yep. Does that involve any sort of travel at the moment?\n\nChannel 1: Yeah. I typically travel to, like, Melbourne, Sydney, Brisbane, Perth. I usually like, once a month, I'll be traveling somewhere.\n\nChannel 0: Yep. Perfect. And so as far as your role is concerned, how much is, like, sort of on the role? I know you said about sort of once a month you were sort of traveling, so still about, like, 80% just home based and then 20% doing those trips?\n\nChannel 1: Yeah. Pretty much. We've run office in Adelaide, but most of our clients are based interstate, so I'm predominantly working from home when I'm not interstate.\n\nChannel 0: Okay. Yep. Understandable. So you don't even go into the office too much. You mainly work from home?\n\nChannel 1: I've I've gone into the office maybe, like, once a week, like, just to stay in touch with the team there. But, yeah, I don't really have, like, too much of a need to go in. It's more so just the social factor.\n\nChannel 0: Yeah. Okay. So generally sort of spending at least 70% of the time really at home when you are sort of\n\nChannel 1: Yeah. Yep.\n\nChannel 0: really and what's your sort of average work week look like in terms of hours at the moment?\n\nChannel 1: Well, salary for thirty eight fluctuates depending on, like, how busy you are, but well, I don't know. Probably average about, like, forty five hours, I'd say. But my role is very much like, you know, a client could call me at any time. So I'm, you know, really responsive or I might have an opportunity to get in with a new potential lead. So, you know, you work a little bit extra hours to get that over the line.\n\nSo, yeah, it just sort of fluctuates.\n\nChannel 0: Yeah. And with that sort of like a bit of an honorary sort of time and lose system where if you work a bit longer, you can maybe come in a bit later, things like that as well.\n\nChannel 1: Yeah. So, like, I don't know. If I'm traveling interstate and I'd I'd have to come back on, like, a weekend, then, like, I can always, yeah, just have, like, a day off in lieu. So it works for that. But we don't have, like, you know, strict.\n\nYou start at this time, finish at this time. You just have to get the work done.\n\nChannel 0: Perfect. And as far as the employer's name, I don't believe we've got that on file. So what was that, if you don't mind me asking?\n\nChannel 1: Rehab management?\n\nChannel 0: Okay. Perfect. And then in regards to qualifications, because we don't have any listed, did you go to university for that? Is it mainly industry experience? Or\n\nChannel 1: Yeah. I did go to uni, so I've got a bachelor's of clinical exercise physiology.\n\nChannel 0: And how long have you been in your sort of main role now versus, like, industry experience?\n\nChannel 1: I've been like, we've rehab management for, like, it will be eight years in October. I don't know. I finished uni, like, nine years ago or something like that. So, yeah, something like that.\n\nChannel 0: Perfect. And as far as the manager position, how long have you been doing that as opposed to, like, just the company in general?\n\nChannel 1: I've been a manager. I was like a I was an operations manager for, like, maybe, like, two years or three years, and I've been, like, a a business development manager or, like, a partnerships manager for, like, the last three and a half years. So what's that like? Maybe about four and a half years of management roles?\n\nChannel 0: And as far as your income's concerned, I know you're on a base about $1.25 and then with bonuses sitting around the $1.45. Is that similar, or has that had a little bit of a bump up?\n\nChannel 1: Yeah. So my base is $1.55, and my well, with bonuses, the potential for that could be, like, about $1.85 or 90.\n\nChannel 0: Yep. I'll just put, like, conservative one eighty at the moment. Obviously, like I said, it does fluctuate a little bit. Now with that income increase there as well, are you managing to to save a bit more in terms of, like, what you're putting away?\n\nChannel 1: Yeah. So I started sacrifice a little bit, but I also yeah. I've put money into savings. Well, I I've put most of my money into an offset account. Yeah.\n\nJust offset the mortgage a bit.\n\nChannel 0: Perfect. And then so at the moment, sort of, what's your amount are you really trying to put away each week to your offset or, like, savings in general?\n\nChannel 1: I like, literally, all my money sits in offset. So the reason I did that was I previously had it in, like, a personal savings account. But then because I had so much interest accrued, I end up having a pretty decent tax bill,\n\nChannel 0: Yep.\n\nChannel 1: which seemed a bit counterproductive. So I've just dumped all my cash into the offset. So yeah. But I I let me show you on page that goes into the offset.\n\nChannel 0: Yep. And on a weekly amount, how much is sort of going into that?\n\nChannel 1: Sorry. I get paid fortnightly, so it's usually, like, 4,400 after tax. So, yeah, that just goes straight into my offset, and then I just pay bills out of that.\n\nChannel 0: Yep. And roughly, what's your sort of outgoing is looking like at the moment?\n\nChannel 1: There is just sort of, like, paying for things for the wedding. Like,\n\nChannel 0: Yep.\n\nChannel 1: a fair bit comes out of it. I also pay everything by credit card just because we, like, fly a bit as well. So I I would always pay it off each month, so I don't pay any interest on it. But\n\nChannel 0: Just to get the points and things like that?\n\nChannel 1: yeah. Yeah. So I think I've got, like, 700,000 points or something at the moment. But, yeah, I don't know. Of that 4,400, maybe, like, at the moment, probably two and a half of that goes out for, like, bills and wedding stuff.\n\nChannel 0: And currently, like you said, you paid off each week, but what's the limit on your credit card, if you don't mind me asking?\n\nChannel 1: Yeah. So my AMX is, like, $23, and then I've got a Mastercard as well just, you know because not all places take AMX. So I think that's, like, 15,000.\n\nChannel 0: Yep. And, like, apart from sort of just general expenses, there's nothing really owing on those?\n\nChannel 1: No. No. Like I said, every month I pay it off.\n\nChannel 0: Perfect. And then as far as the money sitting in the offset, how much have you got sitting in the offset at the moment?\n\nChannel 1: And my offset would be about $80.\n\nChannel 0: Perfect. And\n\nChannel 1: Then\n\nChannel 0: do\n\nChannel 1: I think\n\nChannel 0: you have a separate savings account as well?\n\nChannel 1: yeah. Separate savings, but there's literally not a cent in there.\n\nChannel 0: Yes. Not a problem.\n\nChannel 1: I do have a redraw account that's connected to that account.\n\nChannel 0: To the the offset?\n\nChannel 1: Yeah. So there's, like, a redraw from the actual line, which has got, like, a 130 k in\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: well and\n\nChannel 1: Yeah.\n\nChannel 0: above\n\nChannel 1: Yeah.\n\nChannel 0: ahead on\n\nChannel 1: So\n\nChannel 0: your your current\n\nChannel 1: my\n\nChannel 0: mortgage?\n\nChannel 1: intention is to have it paid off in, like, three years. And then, yeah, I fully just, like, enjoy life a little bit more.\n\nChannel 0: Yep. Perfect. Now with the I know you were gonna look at, you know, potentially looking at investment property, things like that later down the track. Is that something that you sort of wanna start pursuing given that you've got a little bit of equity back in the home now and especially a bit more with the, you know, a bit of savings in the offset as\n\nChannel 1: Yeah.\n\nChannel 0: well?\n\nChannel 1: Yeah. Potentially. I we kinda put it on hold a little bit just because of, like, the wedding. So I have put, like, $30 into just different shares just so I've got some sort of investment going there. They seem to be going okay.\n\nBut, yeah, my my game plan is to get married this year and then next year just leverage up equity of the property to get either a smaller unit or to build a forever home and then just rent out this property. But, yeah, we'll see.\n\nChannel 0: Now something that I do see quite regularly, which is something just to be aware of, if you just go to your bank for the loans and stuff, because it is quite easy to go with the banks that you do already have the loans through,\n\nChannel 1: Mhmm.\n\nChannel 0: Interest earned on investment property is a deduction. Interest earned on primary residences is not. So say if you pay off this home fully, you take out a new loan and the loan solely against the new PPR, then you're not getting a deduction for the interest versus having, you know, a loan still attached to what becomes your investment property versus the what would be your primary residence. So you do get that allowable deduction because of, like, the investment structure and the way things are in Australia at the moment. A\n\nChannel 1: Uh-huh.\n\nChannel 0: 100% of interest on investment properties still is a deduction. I don't know what they'll change, but they're talking about capital gains changing and things like that with investments and investment properties.\n\nChannel 1: Okay. Yeah. Okay. So what you you're actually better off to life purchase or build an investment property and then just, yeah, use that as your investment and not necessarily, like, have your forever home and rent out your other one, if that makes sense?\n\nChannel 0: There's there's multiple ways to do it. Obviously, it's more of a mortgage broker space and how to structure that as opposed to just, like, going to your bank. That's why I was just giving you the fore forewarning. We can refer you on to a few partners here that we do work with, and they'll tell you the best way of sort of structuring it. Now\n\nChannel 1: No. That's okay. I do have a broker that\n\nChannel 0: yeah.\n\nChannel 1: assists you with this loan. So\n\nChannel 0: Okay. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Not a not a problem. Yeah. So, like, even sort of potentially, like, refinancing on your current loan to be able to draw down and then making it the investment versus, like and then using that to purchase and build or buy your your new home. And then, obviously, you get a split loan or majority of the loan attached to what is now your investment property. So all things just to be mindful of.\n\nObviously, if you're using a broker, it's sort of they're likely to tell you the same sort of thing and structure it for you versus,\n\nChannel 1: Uh-huh.\n\nChannel 0: like, if you just went down to your bank that your current loan's with and be like, I wanna refinance and buy or whatever, then the likelihood that they tell you the best way to do it is quite slim. If they're getting the loan, they don't really care whether or not you're getting a tax deduction, whereas a broker is a bit more friendly to make it\n\nChannel 1: Yeah.\n\nChannel 0: work a bit harder for you.\n\nChannel 1: Yeah. I can.\n\nChannel 0: Just something to be mindful of there.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. In regards to your HECS debt, have you managed to fully wipe that one off?\n\nChannel 1: Yeah. A couple years ago.\n\nChannel 0: Perfect. I just had that sort of lingering now. I wasn't sure if that was paid off or not. Car worth around the 35. Obviously, a bit of depreciation, but that's probably, you know, similar ish.\n\nChannel 1: Yes. It's got like a fair bit of case on it now. Probably be sitting around maybe 25, I'd say.\n\nChannel 0: Yep. And then with your primary residence currently, how much do you reckon that's worth with the current market versus how much you have left owing on that one?\n\nChannel 1: So we actually got it valued by a couple of real estate agents\n\nChannel 0: Yep.\n\nChannel 1: early this year. So the evaluation, like, on average was between, like, I think it was, like, $8.60 or, like, $9.50 or very between three of the agents.\n\nChannel 0: Okay.\n\nChannel 1: In terms of how much it's owing, I'm actually in my app at the moment. So I've got 320,000 owing.\n\nChannel 0: Perfect. And then as far as any other assets that we're not sort of made aware of currently, is there anything else that you've got that we're not aware of? Any caravans, campers, things like that?\n\nChannel 1: No. Nothing like that.\n\nChannel 0: Perfect. And so if you've answered these on previously, they've just obviously beefed out the workbook a little bit, but you haven't declared bankruptcy or entered a part nine debt agreement before?\n\nChannel 1: No.\n\nChannel 0: Right. And then as far as health concern for the year, largely well, not smoking, still no\n\nChannel 1: Yeah.\n\nChannel 0: medications,\n\nChannel 1: No.\n\nChannel 0: no injuries.\n\nChannel 1: No.\n\nChannel 0: Brilliant.\n\nChannel 1: That's all good.\n\nChannel 0: And have you looked at sort of private health, or do you have any private health currently?\n\nChannel 1: Yeah. They have private health.\n\nChannel 0: Is that just hospitals and extras or just extras?\n\nChannel 1: Hospital and extras.\n\nChannel 0: I mean, was that just once you hit 30, you're like, I better get that so I'm not paying the additional?\n\nChannel 1: Yeah. I think I I've had it for a couple of years now. I think it was just oh, after you earn, like, 90 k or something, they start slugging you a levy, so I think I just got it since then.\n\nChannel 0: Yeah. So, obviously, either Medicare levy is one thing. And then also, if you don't have it, not a lot of people know before the age of, like, 30 or turning your 30 birthday. Basically, the cost of purchasing private health insurance goes up with that. You get, like, slap with a percentage on top of that, which is like, which is stupid because they still want people to get private health.\n\nBut every year after the age of 30, it's sort of disincentivizing people that don't have it to get it because you pay more of a premium.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that and that does stay there for for ten years. Like, if you were to sort of get at the age of 32, you're still paying that for another ten years of that loading until it goes away,\n\nChannel 1: Oh, wow.\n\nChannel 0: which\n\nChannel 1: That's\n\nChannel 0: which\n\nChannel 1: terrible.\n\nChannel 0: in my mind is not too fantastic. But, you know, it doesn't affect you because you've currently got it. It's fantastic. And currently, I know you don't have a will in place, but, you know, the fact that you are getting married at the end of the year would void any wills you currently have anyway. So is\n\nChannel 1: Mhmm.\n\nChannel 0: that something you plan on doing after you get married? Or\n\nChannel 1: Yeah. I I think so. I think within, like, the next couple of years, we'll get a will. Yeah. Obviously, he's still young, so I'm not, like, overly concerned.\n\nBut I did lose my dad to cancer a couple years ago, and my mom's getting a little bit older as well. So I helped her get her wheel sorted. So, yeah, it's on my mind. It's not something I completely avoided.\n\nChannel 0: Yeah. In saying that, like, obviously, it's a bit more, but no one's really wanna think about the worst case. Like you said, you're on the younger sides in Knockwood. Nothing does happen. But\n\nChannel 1: Yeah.\n\nChannel 0: when it comes to estates and settling estates, you'd be surprised how messy they get even with the the most close knit of families. In saying that, though, it's no point doing it before the marriage because marriage would nullify the will anyway.\n\nChannel 1: Uh-huh.\n\nChannel 0: So, yeah, after you get married, there's definitely sort of you should think about potentially getting getting\n\nChannel 1: Yeah.\n\nChannel 0: one.\n\nChannel 1: I got\n\nChannel 0: And as far as being a tax resident, you're not a tax resident for any other country or\n\nChannel 1: him.\n\nChannel 0: jurisdiction at the moment?\n\nChannel 1: No.\n\nChannel 0: Perfect. And then with in regards to this question, it's a little bit odd, but you're not politically exposed, or you don't have any friends or family in politics or yourself?\n\nChannel 1: No. That's random.\n\nChannel 0: Yeah. It's to do with, like, like, anti money laundering type deals and then also security risks. So not only do we have to be more mindful of politicians and where they receive their money from to, you know, combat if they were doing something dodgy, not to say that I've seen it in any circumstances. But then also, like, they have a lot more details online, so it's a lot easier to try and impersonate those people in politics.\n\nChannel 1: Okay. But what what if I what if someone just lied to answering that question?\n\nChannel 0: It doesn't mean a whole heap. It just means we take if you, like, said yes, we just take a few extra precautions in terms of, like, your file, the security around your file being that you are, like, in that exposed\n\nChannel 1: Okay.\n\nChannel 0: sort of space as, like, someone in that. Yeah. And then also, we'd keep an eye if you're receiving any sort of lump random sums in regards to if I you came to me and said, I want to invest half $1,000,000 that I've just gotten out of thin air,\n\nChannel 1: Yep.\n\nChannel 0: then it would sort of ring some alarm bells that, you know, maybe getting some kickbacks. But as I said,\n\nChannel 1: Yeah. Fair enough.\n\nChannel 0: definitely have not seen it yet, but we just included anyway.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Great. And then as far as goals that you're working towards, obviously, the the wedding's the main thing there, potentially looking at an investment property, you know, in the next sort of couple of years. But is there anything else that you're sort of working towards?\n\nChannel 1: Mhmm. Not really. I just wanna, like, by the end of this year, I wanna be probably have the house sitting around, like, an extra maybe 30 or $40 paid off it. I kinda wanna\n\nChannel 0: Yep.\n\nChannel 1: get into, like, the $2.08, $2.09 mark with how much is left.\n\nChannel 0: Perfect. And as far as anything else that you're sort of working towards, is there anything else that you're sort of trying to accomplish in the next sort of few years?\n\nChannel 1: No. Not really.\n\nChannel 0: Brilliant. Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there. So you've made direct shares, so I'll tick that box for you. And you're still investing for the long term. Obviously, you're on the younger side of things, so investing for the future.\n\nChannel 1: Yeah. Yeah. So I think even the, like, the suite that you guys set up for me, it's in, like, a high grow high risk sort of portfolio.\n\nChannel 0: Yeah. Yep. Definitely. They're giving your age. You can weather those sort of dips in the market.\n\nNow in regards to risk in general, would you rate yourself as sort of a high risk taker or a very\n\nChannel 1: Yeah.\n\nChannel 0: high risk taker? Or\n\nChannel 1: I'd probably get somewhere in between. Depends\n\nChannel 0: yep.\n\nChannel 1: out, like, what I've got coming up. Like, like, with the wedding, for example, probably a little bit more conservative than I would be usually.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Sorry. To answer that question, probably somewhere in between.\n\nChannel 0: No. Understandable. And then in regards to, like, if you were to take on an investment, say, your share portfolio and then six months down the line just due to what's occurring, like, in the the markets in general, it dropped by 20%. You know? So there's another sort of world war breaking out.\n\nHow do you think you'd react to that one? Would you still, you know, stay invested and hold that investment? Do you reckon you'd sort of look to to sell and be a bit more secure or maybe even chuck a bit more into the downturn?\n\nChannel 1: I I'd probably like oh, not the same, like, buy the dip almost. So, like, trying to dollar average it out better. So I'd yeah. Just by that depending on what the shares were, I'd probably just get more and accumulate more with the intention of them going up or going back up over time.\n\nChannel 0: Yep.\n\nChannel 1: But if I was, for example I don't know. If they were going really pear shaped and I needed money, like, you know, for the wedding or whatever, then I'd probably consider selling a portion of it. Not all of them, but a portion just to have cash there.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Again, depends on the circumstance.\n\nChannel 0: No. I completely understand that. And then in regards to, like, your performance over time, was you aiming for the higher performance? But with events like COVID and those sort of things that did occur, did that make you a little cautious at all at anything with that?\n\nChannel 1: What? From a health perspective or a financial perspective?\n\nChannel 0: Financials perspective in terms of, like, superannuation, obviously, took a bit of a hit and a bit of a\n\nChannel 1: Nah.\n\nChannel 0: backward step there.\n\nChannel 1: I I didn't really take any notice of it, to be honest.\n\nChannel 0: Yep.\n\nChannel 1: I didn't have\n\nChannel 0: Not a\n\nChannel 1: the\n\nChannel 0: problem.\n\nChannel 1: shares back then either, so I didn't really like yeah. It didn't really have too much of an impact for me.\n\nChannel 0: Bit out of sight out of mind. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: And in regards to taking out loans to invest, obviously, you've got the property and then potentially investment property down the future. But would you ever put borrowed money into things like a share portfolio once you sort of become a bit more secure and have a bit less debt associated with your property?\n\nChannel 1: No. Probably not. I I'd trigger, like, taking loans out for, like, property and, you know, brick and mortar. I wouldn't do it for shares.\n\nChannel 0: Nope. That's perfectly fine. So it still does bring you out as a high growth investor, and that's\n\nChannel 1: Yep.\n\nChannel 0: still about that ninetyten split, about 90% in, like, investing in growth assets, about 10% defensive, which is more than appropriate for your age there and\n\nChannel 1: Yep.\n\nChannel 0: sort of aiming for those longer returns over over time even though it does experience a little bit more volatility.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now in regards to your current performance there as well, now I'm not too sure if you've looked at your super recently. It was doing quite well until sort of the end of last year with everything that has occurred in the last few months in the the political space there as well.\n\nChannel 1: Uh-huh.\n\nChannel 0: In addition to that one that hasn't really helped in regards to that is I'm not too sure if you've heard about Dentalong or its underlying investment that it has in corporate traveler. Now they were done for not reporting correctly, and as a result, were put on a trading hold. It caused Benelon to have to reevaluate that stock. The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth. And then also a bit of consumer confidence was lost in that, which did cause quite a backward step in\n\nChannel 1: See,\n\nChannel 0: regard\n\nChannel 1: I didn't know that.\n\nChannel 0: yeah. And then coupled with the wars that were not sort of full wars, but the conflicts that are going on, you know, Venezuela, Iran, in conjunction with that, the tech bubble has slightly corrected a little bit there as well. So it\n\nChannel 1: Mhmm.\n\nChannel 0: also in the one sort of space there. Now in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update. I can let you know sort of as the result of Benelon and sort of at least the last year and a bit of their performance and how they have been managing coupled with that underlying investment. They are sort of moving away from Bennelong. Now\n\nChannel 1: Okay.\n\nChannel 0: it is a bit of a a loss in terms of the Bennelong amount. Since in inception there, it, like, hasn't been doing too well. And given that it makes up, like, a good portion of your portfolio, given that you're in one of those older portfolios that did go a little bit more aggressive in those actively managed funds to pull that higher growth and that higher risk, we'd be looking to either reproduce that slightly just with everything going on in terms of the active management, or you can look to go fully, like, passive in your investments, which does come at a lower cost. You aim to track the indexes. Now I'm not too sure how much you've sort of looked into the the share market and things like that.\n\nSo an index basically tracks like a portion or an industry. So the S and P 500 tracks the top 500 companies in America,\n\nChannel 1: Yeah.\n\nChannel 0: whereas\n\nChannel 1: Or like the ASX 200. Yeah. Yep.\n\nChannel 0: exactly whereas the the actively managed funds basically pick winners. They try and find value in the market, whether that be, you know, based on the company share holdings of the market, how they're performing in terms of income and profit shares. It just depends on what the fund manager is obviously doing in terms of what they're looking for in the market to\n\nChannel 1: Mhmm.\n\nChannel 0: try and outperform the market, which does come at a higher cost than when they don't do too well like Benelung. And given that it is a significant portion of your portfolio, it doesn't turn out too well. Now so we can either look to to change that up a little bit in terms of looking at another active alternative for that and maybe sort of adjusting the weighting. So when things like this do occur, they don't affect your balance as much as it has the last year.\n\nChannel 1: Yep. Yeah. I\n\nChannel 0: Or\n\nChannel 1: think\n\nChannel 0: we\n\nChannel 1: I'd prefer to do that because I I do check this app kinda like on weekly basis, and I have noticed that there's a significant portion in Benelon. I think it's like a third of my portfolio.\n\nChannel 0: Yeah. It was around the 30%. Obviously, I can't sorta explain why that was chosen in the first place because I wasn't the adviser to do it, and it was quite some time ago. I wasn't\n\nChannel 1: Mhmm.\n\nChannel 0: even at the company back then as a business, obviously, in the conversation you have with your adviser in terms of the level of risk you were willing to take at that time led to the higher allocation to that actively managed fund. But myself, I'd rather have, like, it be more of a satellite where it sits around the sort of 10 to 15% even that when it does have bad years, like, within the actively managed portion, that it doesn't significantly affect your portfolio\n\nChannel 1: Yep.\n\nChannel 0: as it has\n\nChannel 1: Yeah.\n\nChannel 0: now.\n\nChannel 1: So, yeah, I I would be more than happy to make a change on that. Is this something that you facilitate, or do I have to speak to someone else? Or\n\nChannel 0: No. As one of the advisers that what I'll do basically from this, I'll get some notes started. They'll do the research, and they'll look at updating that.\n\nChannel 1: mhmm.\n\nChannel 0: And then from there, just given the few business changes, everything, there's a bit of a backlog for one. We will sort of look at doing it as quick as possible. Given that and that you've already sort of experienced that huge 20% dip that did occur with Benelon around that November mark, if anything, we're hoping that, you know, within that time frame, it does recruit some of that. But there's no sort of conviction moving forward with Benelon that it will sort of recover a significant raise to make it worth holding it, if that makes sense.\n\nChannel 1: Yeah. Yeah. I gotcha.\n\nChannel 0: Yeah. Because, obviously, the like, the cardinal sin is basically sell low by high, but in terms of, like, if you don't believe in the investment, sometimes holding it and flogging that dead horse isn't worth it at the end of the day as well. Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Perfect. Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit. So this will just be going to that email I stated earlier there. And I'll just have a copy of your ongoing service agreement, a tax file opt in form as well. In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits.\n\nWhere it's at previously would just be redacted, and we'll just have it on the one nice form. In the event that ever you did leave, then your tax file number is just in that one spot.\n\nChannel 1: Mhmm.\n\nChannel 0: In addition to that, you will have a copy of, you know, the new CV of currency for insurances, performance report for last twelve months, the new services guide and financial services guide. You'll have a little Vanguard chart to show you those tips and everything in the market over that twenty to thirty year period there as well. So I'll just send that quickly before I forget. If you do have any questions after you go through those documents as well, feel free to give us a callback and, like, sort of if you're sort of unhappy with the ongoing service agreement or anything like that, feel free to give us a call, have\n\nChannel 1: Mhmm.\n\nChannel 0: a discussion around that. Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate. I believe\n\nChannel 1: Mhmm.\n\nChannel 0: the update actually should probably check that for you. Bear with me two seconds. As an ongoing client with a partner on board, they have brought out a coupling fee. So yeah. And that has been applied to that new ongoing service agreement.\n\nSo it drops from 1.65 down to the 1.1%, which is a bit of a bonus. Moving forward, you'll be charged that little bit\n\nChannel 1: Mhmm.\n\nChannel 0: less, which is fantastic. Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover.\n\nChannel 1: Mhmm.\n\nChannel 0: I did say that number a bit odd, apologies for that one. And as a monthly benefit, you have $7,621 as a monthly benefit. Now\n\nChannel 1: Mhmm.\n\nChannel 0: given your income increase, you could look at adjusting that and increasing that to where it covers around the 70% of your current income, which would mean reviewing your insurances as a whole. Or you could look to do what's called a life event increase, and you can increase cover up to, like, 25% or there's a flat amount. I can't remember off the top of my head for Clearview in terms of trying to get a bit closer to the monthly benefit that is 70% of your current income. Because 70% of even just your base salary of the $1.55 sits at a monthly benefit around 9,000. Now the the thing with that, obviously, is if you do increase that benefit monthly benefit amount, it obviously comes at a higher cost, and income protection is the more expensive portion of your cover.\n\nAnd\n\nChannel 1: Mhmm.\n\nChannel 0: then with that as well, your benefit period is all up to the age of 65. So it's quite a comprehensive in terms of the benefit period. So if you did wanna increase it to that 70%, you could also look at potentially adjusting the benefit period, maybe down to the five year mark. Because sometimes the likelihood if you're on a claim for five years, you may not ever return to work after that five years, if that makes sense as well.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: The other insurance you don't have currently, which I'm not too sure how much was talked about in the past there as well as trauma cover. Did they sort of do you remember trauma cover or the conversation surrounding that or what it covers for?\n\nChannel 1: No. I've never heard of that.\n\nChannel 0: Okay. Not a problem. So trauma cover is like a lump sum benefit. Similar to, like, total permanent disability, it is a lump sum payment. Now with in regards to that, it is paid out of pocket.\n\nIt can't be paid through superannuation like your other insurances, but it kind of is the bridge gap between income protection and total permanent disability. Now it covers for traumatic events, things like heart attacks, strokes, and, obviously, it depends a little bit on the the PDF of the product and what the conditions list and how many they actually cover. But it covers for those events in life. Say, you had a stroke tomorrow and you're injured to where you can't work, but it's minor and you can go back to work, say, within a month, you might not get to claim on an income protection policy. You may be medically cleared to go back to work.\n\nYou may not end up being totally permanently disabled from that, Whereas the trauma policy would still pay out because you met a condition of the release. It's less of the you're too injured or sick to be able to return to work or you're unable to ever return to work with total permanent disability. It just means if you cover that condition, it ticks a box, you get the payment, if that makes sense.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So it can be one of the more claimed on insurances because, obviously, you know, if you get diagnosed with a type of cancer that can be cured sort of with the, you know, getting cut out or a bit of, you know, chemotherapy, there is well, you may still be having to work during that period because you're not sick enough to where you can't work, but then you're not getting any sort of payment, whereas that trauma insurance helps with that and sort of facilitating some time off work and then also, you know, some medical costs and things like that as well.\n\nChannel 1: Okay. Well, that's probably something to think about.\n\nChannel 0: Yep. If you do wanna review your insurances now, we can have a look at that. Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date. I don't wanna sort of put you on the spot and say review these now. Because in terms of the life and total permanent disability, it's more than adequate for your level of debt.\n\nYour income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue. You don't have to cover for 70% of your income. That's just the maximum you can cover for, if that makes sense as well.\n\nChannel 1: Yeah. Okay. No. Look. I'm pretty comfortable in terms of, like, where our financials sit.\n\nSo,\n\nChannel 0: Yep.\n\nChannel 1: yeah, we probably wouldn't make any changes at the moment.\n\nChannel 0: That's more than fine. If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection. Your policy\n\nChannel 1: Mhmm.\n\nChannel 0: reviews in April, the April 12, within thirty days of that renewal there, you can look at doing those future event increases. So you could even look to do, like, a 15% increase of the income protection just to bump that up just a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: So feel free to to have a think about it if you do wanna at least bump up the inspection in terms of the monthly benefit amount or your life and TPD. That's your option between that with that life event increase and having your income jump up as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: But, yeah, make sure if you do wanna do it, just give us a call before that that period. So April. If you ever think, you know, actually, I do want some more income protection. Feel free to give us a call because otherwise, you do have to go through underwriting, if that makes\n\nChannel 1: Okay.\n\nChannel 0: sense.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Not a problem. A few other outstanding there's as well. Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well. Make sure you're still live kicking in. You know, we're not providing advice to people's data states and things like that or getting a\n\nChannel 1: My\n\nChannel 0: fee.\n\nChannel 1: ID's expired. Really?\n\nChannel 0: As in, like, the one you provided originally back in 2022 has expired in terms of, like, you've probably renewed your license in that time frame, and the one that sits on file is expired, if that makes sense.\n\nChannel 1: Okay. So what do I do to update that?\n\nChannel 0: We can just shoot you an email. Do you provide a front and back copy of just your even a driver's license or a passport? Then\n\nChannel 1: Yep.\n\nChannel 0: we can just update that on file. We just hold on file, confirm it is a valid document, and then it just sits there and make sure that you're still alive and kicking in a real person.\n\nChannel 1: Yep. Okay.\n\nChannel 0: At the moment as well, in regards to your fees, they are currently off. So congratulations. You did get due to the time that has elapsed within your last interview and now, a bit of a discount there. We're not gonna retroactively try and back pay any of those fees. It just means you got a bit of that discount.\n\nAnd\n\nChannel 1: Okay.\n\nChannel 0: then moving forward, you're paying in the 1.1 anyway. So happy days. You saved a little bit on adviser fees there as well. I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus.\n\nChannel 1: Yeah. Cool. Okay.\n\nChannel 0: No problem. But in regards to anything else that you wanted to discuss there at all, Dominic, or any questions you had, is there anything I haven't covered that you wanna have a chat about?\n\nChannel 1: No. I'm I'm pretty, yeah, pretty happy for the time being.\n\nChannel 0: Not a problem at all. As I said, I'll get a start on just that, like, investment review there for you. We'll\n\nChannel 1: Mhmm.\n\nChannel 0: even probably review just your account as well in general to see if there's maybe a better super fund as well given the time elapsed and time since you've been on board\n\nChannel 1: Yep.\n\nChannel 0: and see if that's worth updating as well. Otherwise, we'll leave everything else as sort of a count accountability partners in terms of, like, your future and what you're trying to achieve. Obviously, you're quite good with your money, and\n\nChannel 1: Mhmm.\n\nChannel 0: you don't really need to be doing a budget with this or anything like that and, you know, monitoring your debt. A good tool, though, is your Money Smart calculator. I'm not\n\nChannel 1: Mhmm.\n\nChannel 0: sure if you played around on that or not, but you can jump on there and just punch in your sort of loan details, how much you've got left, what you're looking to sort of pay off, and in what time frames, and it can really sort of give you\n\nChannel 1: Mhmm.\n\nChannel 0: some some mark to hit. Like you said, you wanna hit that sort of $2.82 90 mark. You could just sort of punch in what you currently got and where you're trying to get and sort of play around with the figures and see what you have to hit to make that sort of happen.\n\nChannel 1: Yeah. Okay. MoneySmart. Is that what it's\n\nChannel 0: MoneySmart mortgage calculator, it's quite a good little tool. It's got a few calculators\n\nChannel 1: called?\n\nChannel 0: on there. But,\n\nChannel 1: Oh,\n\nChannel 0: yeah,\n\nChannel 1: okay.\n\nChannel 0: definitely jump on, have a play around with it. If you got any questions in regards to that, feel free to to give us a call as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. It'll just come up as, like, mortgage calculator if you type in Money Smart mortgage calculator, and you can just punch in your details and away you go.\n\nChannel 1: Yeah. Cool. Alright.\n\nChannel 0: Brilliant. And then as far as the size sacrifice, I didn't really touch on that, but you're happy just doing your 200 per month? You don't really wanna look at changing that or anything?\n\nChannel 1: No. I'm not at this stage. We've got a bit of change going on at work, so probably not making any significant changes with funding.\n\nChannel 0: Perfect. With the income increase anyway, you're contributing a bit more, so happy\n\nChannel 1: Yeah.\n\nChannel 0: days. Not a problem. Well, thanks for your time, Dominic. I probably took up a little bit more time than you were expecting, but you enjoy\n\nChannel 1: No.\n\nChannel 0: the rest\n\nChannel 1: You're\n\nChannel 0: of the\n\nChannel 1: fine.\n\nChannel 0: afternoon.\n\nChannel 1: Awesome. Thanks,\n\nChannel 0: Cheers.\n\nChannel 1: mate. Appreciate it.\n\nChannel 0: No problem. I'll catch you later. Thanks.\n\nChannel 1: Cheers.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.03052879497408867},{"text":"Dominic speaking.","start":1.1999999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03433177713304758}],"sentiment":"neutral","sentiment_score":0.03306411641339461,"channel":1,"num_words":3,"start":0.88,"end":2.1799998},{"sentences":[{"text":"Good afternoon, Dominic.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.3020663360754649}],"sentiment":"neutral","sentiment_score":0.3020663360754649,"channel":0,"num_words":3,"start":2.48,"end":3.28},{"sentences":[{"text":"How's it going,","start":2.96,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.239134152730306}],"sentiment":"neutral","sentiment_score":0.239134152730306,"channel":1,"num_words":3,"start":2.96,"end":3.4399998},{"sentences":[{"text":"It's","start":3.28,"end":3.52,"sentiment":"neutral","sentiment_score":0.2236568182706833}],"sentiment":"neutral","sentiment_score":0.2236568182706833,"channel":0,"num_words":1,"start":3.28,"end":3.52},{"sentences":[{"text":"Dominic?","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.14584815502166748}],"sentiment":"neutral","sentiment_score":0.14584815502166748,"channel":1,"num_words":1,"start":3.4399998,"end":3.9399998},{"sentences":[{"text":"Carl calling from from Oakview Financial in regards to your annual review.","start":3.52,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.07523851438115041}],"sentiment":"neutral","sentiment_score":0.07523851438115041,"channel":0,"num_words":12,"start":3.52,"end":7.7799997},{"sentences":[{"text":"Hey, mate.","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.1387541964650154}],"sentiment":"neutral","sentiment_score":0.1387541964650154,"channel":1,"num_words":2,"start":8.0,"end":8.82},{"sentences":[{"text":"How's it going?","start":9.28,"end":10.26,"sentiment":"neutral","sentiment_score":0.16947729885578156}],"sentiment":"neutral","sentiment_score":0.16947729885578156,"channel":0,"num_words":3,"start":9.28,"end":10.26},{"sentences":[{"text":"Yeah.","start":10.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.17131046950817108}],"sentiment":"neutral","sentiment_score":0.17131046950817108,"channel":1,"num_words":1,"start":10.639999,"end":10.88},{"sentences":[{"text":"Is","start":10.8,"end":11.04,"sentiment":"neutral","sentiment_score":0.16875913739204407}],"sentiment":"neutral","sentiment_score":0.16875913739204407,"channel":0,"num_words":1,"start":10.8,"end":11.04},{"sentences":[{"text":"Not","start":10.88,"end":11.12,"sentiment":"neutral","sentiment_score":0.24308769404888153}],"sentiment":"neutral","sentiment_score":0.24308769404888153,"channel":1,"num_words":1,"start":10.88,"end":11.12},{"sentences":[{"text":"now","start":11.04,"end":11.54,"sentiment":"neutral","sentiment_score":0.19388654828071591}],"sentiment":"neutral","sentiment_score":0.19388654828071591,"channel":0,"num_words":1,"start":11.04,"end":11.54},{"sentences":[{"text":"too bad.","start":11.12,"end":11.78,"sentiment":"neutral","sentiment_score":0.2685394883155823}],"sentiment":"neutral","sentiment_score":0.2685394883155823,"channel":1,"num_words":2,"start":11.12,"end":11.78},{"sentences":[{"text":"is now still a good time for you?","start":11.599999,"end":13.275,"sentiment":"positive","sentiment_score":0.3592023029923439}],"sentiment":"positive","sentiment_score":0.3592023029923439,"channel":0,"num_words":8,"start":11.599999,"end":13.275},{"sentences":[{"text":"Yeah.","start":13.44,"end":13.679999,"sentiment":"neutral","sentiment_score":0.28999441862106323},{"text":"Now I'm fine.","start":13.679999,"end":14.5,"sentiment":"positive","sentiment_score":0.4376670718193054}],"sentiment":"positive","sentiment_score":0.4007489085197449,"channel":1,"num_words":4,"start":13.44,"end":14.5},{"sentences":[{"text":"Brilliant.","start":15.115,"end":15.615,"sentiment":"positive","sentiment_score":0.7235420942306519},{"text":"Now just to get started on that one, Dominic, if I could just pass you security with that name, date of birth, and current address, we can get stuck into that one today.","start":15.995,"end":22.335,"sentiment":"neutral","sentiment_score":0.23759419854843256}],"sentiment":"neutral","sentiment_score":0.2518867837155567,"channel":0,"num_words":34,"start":15.115,"end":22.335},{"sentences":[{"text":"Yeah.","start":22.224998,"end":22.705,"sentiment":"neutral","sentiment_score":0.06862416863441467},{"text":"I'm driving.","start":22.705,"end":23.285,"sentiment":"neutral","sentiment_score":0.038667287677526474},{"text":"Dominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker.","start":23.345,"end":28.485,"sentiment":"neutral","sentiment_score":0.03893051979442438}],"sentiment":"neutral","sentiment_score":0.04136111851160725,"channel":1,"num_words":12,"start":22.224998,"end":28.485},{"sentences":[{"text":"Great.","start":29.130001,"end":29.45,"sentiment":"positive","sentiment_score":0.6091891527175903},{"text":"Thanks for that one, Dominic.","start":29.45,"end":30.57,"sentiment":"positive","sentiment_score":0.5977584719657898},{"text":"Now I don't believe we've spoken previously, sir.","start":30.57,"end":33.47,"sentiment":"neutral","sentiment_score":-0.02430079714395106},{"text":"As I said, my name is Carl.","start":33.690002,"end":34.73,"sentiment":"neutral","sentiment_score":-0.008608583760048662},{"text":"I'm one of the financial advisers here at OQ Financial.","start":34.73,"end":37.23,"sentiment":"neutral","sentiment_score":0.010825409740209579}],"sentiment":"neutral","sentiment_score":0.11134094020892535,"channel":0,"num_words":31,"start":29.130001,"end":37.23},{"sentences":[{"text":"Mhmm.","start":37.69,"end":38.19,"sentiment":"neutral","sentiment_score":0.004924793262034655}],"sentiment":"neutral","sentiment_score":0.004924793262034655,"channel":1,"num_words":1,"start":37.69,"end":38.19},{"sentences":[{"text":"If you do wanna know a little bit more about me, you can go on the website and see a pretty picture and know a little bit more about myself.","start":38.09,"end":44.754997,"sentiment":"neutral","sentiment_score":0.03893599696457386},{"text":"And, also, there's been a few business updates with OQ Financial there as well.","start":44.975,"end":48.574997,"sentiment":"neutral","sentiment_score":0.05494636456881251},{"text":"So they do have a new ongoing financial services guide and ongoing services guide there as well.","start":48.574997,"end":54.98,"sentiment":"neutral","sentiment_score":0.07573673435870339},{"text":"And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like.","start":55.36,"end":60.98,"sentiment":"neutral","sentiment_score":0.12990431269181185}],"sentiment":"neutral","sentiment_score":0.07768976183401213,"channel":0,"num_words":90,"start":38.09,"end":60.98},{"sentences":[{"text":"Okay.","start":61.440002,"end":61.940002,"sentiment":"neutral","sentiment_score":0.014680890366435053}],"sentiment":"neutral","sentiment_score":0.014680890366435053,"channel":1,"num_words":1,"start":61.440002,"end":61.940002},{"sentences":[{"text":"All all largely unchanged to just a few business updates as they're sort of growing and getting a bit bigger.","start":61.76,"end":66.585,"sentiment":"neutral","sentiment_score":-0.033049661479890344},{"text":"Just a business changes, which is partly why you sort of end your reviews taken as long as it has to sort of come around.","start":66.825,"end":73.225,"sentiment":"neutral","sentiment_score":-0.08409374490380288},{"text":"So I do apologize for the wait on that one.","start":73.225,"end":75.244995,"sentiment":"neutral","sentiment_score":-0.16841786056756974}],"sentiment":"neutral","sentiment_score":-0.0808639174157923,"channel":0,"num_words":55,"start":61.76,"end":75.244995},{"sentences":[{"text":"No.","start":75.185,"end":75.34499,"sentiment":"neutral","sentiment_score":-0.0502861812710762},{"text":"It's okay.","start":75.34499,"end":75.905,"sentiment":"neutral","sentiment_score":0.02021726343082264},{"text":"That's fine.","start":75.905,"end":76.645,"sentiment":"neutral","sentiment_score":0.18306369334459305}],"sentiment":"neutral","sentiment_score":0.07125514645595103,"channel":1,"num_words":5,"start":75.185,"end":76.645},{"sentences":[{"text":"Perfect.","start":77.385,"end":77.885,"sentiment":"positive","sentiment_score":0.36635902523994446},{"text":"Now I know you've done a few of these before there, Dominic.","start":78.025,"end":80.37,"sentiment":"neutral","sentiment_score":0.08007885857174794},{"text":"So what I'll do is I'll just run through and confirm a few of those details on your fax line again.","start":80.37,"end":84.47,"sentiment":"neutral","sentiment_score":0.11115651897021703},{"text":"I'll also run through a quick risk profile to see how that compares to what we've currently got you in, and then I'll also send out those documents, have a bit of conversation how things have gone the last twelve months and maybe few updates that need addressing as well.","start":84.53,"end":96.725,"sentiment":"neutral","sentiment_score":0.07691601432859897}],"sentiment":"neutral","sentiment_score":0.08937372551077888,"channel":0,"num_words":84,"start":77.385,"end":96.725},{"sentences":[{"text":"Mhmm.","start":96.770004,"end":96.850006,"sentiment":"neutral","sentiment_score":0.015151575207710266},{"text":"Mhmm.","start":96.850006,"end":97.25,"sentiment":"neutral","sentiment_score":0.005840243771672249},{"text":"Make dollars.","start":97.25,"end":97.990005,"sentiment":"neutral","sentiment_score":0.03936606086790562}],"sentiment":"neutral","sentiment_score":0.024930985178798437,"channel":1,"num_words":4,"start":96.770004,"end":97.990005},{"sentences":[{"text":"Perfect.","start":98.625,"end":99.125,"sentiment":"positive","sentiment_score":0.41017913818359375},{"text":"Now you did say address unchanged.","start":99.424995,"end":101.685,"sentiment":"neutral","sentiment_score":0.1255399982134501},{"text":"Email still Dominic.","start":101.905,"end":103.045,"sentiment":"neutral","sentiment_score":0.041874684393405914},{"text":"I'm gonna butcher your last name there.","start":103.265,"end":104.945,"sentiment":"neutral","sentiment_score":0.03834353068045208},{"text":"So","start":104.945,"end":105.185,"sentiment":"neutral","sentiment_score":0.04537758603692055}],"sentiment":"neutral","sentiment_score":0.0890458600802554,"channel":0,"num_words":18,"start":98.625,"end":105.185},{"sentences":[{"text":"Now","start":106.284996,"end":106.525,"sentiment":"neutral","sentiment_score":0.037870362401008606}],"sentiment":"neutral","sentiment_score":0.037870362401008606,"channel":1,"num_words":1,"start":106.284996,"end":106.525},{"sentences":[{"text":"at","start":106.465,"end":106.705,"sentiment":"neutral","sentiment_score":0.022889327257871628}],"sentiment":"neutral","sentiment_score":0.022889327257871628,"channel":0,"num_words":1,"start":106.465,"end":106.705},{"sentences":[{"text":"it's","start":106.525,"end":106.845,"sentiment":"neutral","sentiment_score":0.04559754952788353}],"sentiment":"neutral","sentiment_score":0.04559754952788353,"channel":1,"num_words":1,"start":106.525,"end":106.845},{"sentences":[{"text":"Hotmail.","start":106.705,"end":107.205,"sentiment":"neutral","sentiment_score":0.048096075654029846}],"sentiment":"neutral","sentiment_score":0.048096075654029846,"channel":0,"num_words":1,"start":106.705,"end":107.205},{"sentences":[{"text":"at hot mail dot com.","start":106.845,"end":108.225,"sentiment":"neutral","sentiment_score":0.03739042542874813}],"sentiment":"neutral","sentiment_score":0.03739042542874813,"channel":1,"num_words":5,"start":106.845,"end":108.225},{"sentences":[{"text":"Exactly.","start":108.479996,"end":108.88,"sentiment":"neutral","sentiment_score":0.2988237142562866},{"text":"Perfect.","start":108.88,"end":109.38,"sentiment":"positive","sentiment_score":0.5280541181564331},{"text":"And I know you're engaged to Danielle the last time we spoke.","start":110.24,"end":113.03999,"sentiment":"neutral","sentiment_score":0.20275338739156723},{"text":"Have you managed to to tie the knot yet?","start":113.03999,"end":114.71999,"sentiment":"neutral","sentiment_score":0.15801279495159784},{"text":"How's that going?","start":114.71999,"end":115.7,"sentiment":"neutral","sentiment_score":0.17037489513556162}],"sentiment":"neutral","sentiment_score":0.19973685850317663,"channel":0,"num_words":26,"start":108.479996,"end":115.7},{"sentences":[{"text":"We we will be getting married in October this year.","start":115.59,"end":118.09,"sentiment":"neutral","sentiment_score":0.1857471361756325}],"sentiment":"neutral","sentiment_score":0.1857471361756325,"channel":1,"num_words":10,"start":115.59,"end":118.09},{"sentences":[{"text":"October.","start":118.64,"end":119.14,"sentiment":"positive","sentiment_score":0.36404114961624146},{"text":"Very exciting.","start":119.36,"end":120.17999,"sentiment":"positive","sentiment_score":0.5913005769252777},{"text":"Sure.","start":120.935,"end":121.095,"sentiment":"neutral","sentiment_score":0.08770114183425903},{"text":"A bit of an expense as well, but, you know, it all comes with the 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sad.","start":128.70999,"end":137.21501,"sentiment":"negative","sentiment_score":-0.4434689372777939}],"sentiment":"negative","sentiment_score":-0.35031857959767604,"channel":1,"num_words":47,"start":124.549995,"end":137.21501},{"sentences":[{"text":"Yep.","start":137.99,"end":138.39,"sentiment":"neutral","sentiment_score":-0.08290155977010727},{"text":"Yep.","start":138.39,"end":138.89,"sentiment":"neutral","sentiment_score":-0.042365819215774536},{"text":"Definitely.","start":139.59,"end":140.09,"sentiment":"neutral","sentiment_score":-0.023911012336611748},{"text":"Now I don't have a next of kin contact there for Danielle.","start":140.63,"end":145.05,"sentiment":"neutral","sentiment_score":-0.25380118812123936},{"text":"Is there a chance that you wanted to put that down in terms that we couldn't reach you for whatever 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then in regards to dependents, still no dependents at the moment?","start":166.47,"end":170.01,"sentiment":"neutral","sentiment_score":-0.0035330800261969366},{"text":"Maybe maybe in the future on the on the cards.","start":172.565,"end":174.905,"sentiment":"neutral","sentiment_score":-0.013018160872161389}],"sentiment":"neutral","sentiment_score":-0.001978528763478001,"channel":0,"num_words":24,"start":163.51,"end":174.905},{"sentences":[{"text":"No.","start":175.61,"end":175.93,"sentiment":"neutral","sentiment_score":-0.08906352519989014},{"text":"Yeah.","start":175.93,"end":176.33,"sentiment":"neutral","sentiment_score":-0.060014840215444565},{"text":"Maybe.","start":176.33,"end":176.73,"sentiment":"neutral","sentiment_score":-0.07495458424091339},{"text":"Hopefully, not too soon, though.","start":176.73,"end":178.34999,"sentiment":"neutral","sentiment_score":-0.077364681661129},{"text":"Yeah.","start":178.455,"end":178.955,"sentiment":"neutral","sentiment_score":0.009565988555550575}],"sentiment":"neutral","sentiment_score":-0.06681004104514916,"channel":1,"num_words":9,"start":175.61,"end":178.955},{"sentences":[{"text":"Exactly.","start":179.175,"end":179.675,"sentiment":"neutral","sentiment_score":0.02227935567498207}],"sentiment":"neutral","sentiment_score":0.02227935567498207,"channel":1,"num_words":1,"start":179.175,"end":179.675},{"sentences":[{"text":"Yes.","start":179.205,"end":179.44499,"sentiment":"neutral","sentiment_score":-0.02000802755355835},{"text":"Another expense, unfortunately.","start":179.44499,"end":181.545,"sentiment":"neutral","sentiment_score":-0.19526093204816183},{"text":"And I do believe, Danielle, she is a client with us as well.","start":184.66,"end":187.7,"sentiment":"neutral","sentiment_score":-0.10288399343307202},{"text":"Correct?","start":187.7,"end":188.2,"sentiment":"neutral","sentiment_score":-0.05777673050761223}],"sentiment":"neutral","sentiment_score":-0.11116997049086624,"channel":0,"num_words":18,"start":179.205,"end":188.2},{"sentences":[{"text":"Yeah.","start":188.455,"end":188.775,"sentiment":"neutral","sentiment_score":-0.04304808750748634},{"text":"I when I joined up with you guys, I got her to come across as well.","start":188.775,"end":192.475,"sentiment":"neutral","sentiment_score":-0.047170205507427454}],"sentiment":"neutral","sentiment_score":-0.046927727978019154,"channel":1,"num_words":17,"start":188.455,"end":192.475},{"sentences":[{"text":"Yeah.","start":193.22,"end":193.62,"sentiment":"neutral","sentiment_score":0.03937870264053345},{"text":"Perfect.","start":193.62,"end":194.12,"sentiment":"neutral","sentiment_score":0.09678662568330763},{"text":"Obviously, you know, just in saying that I can't just sort of chuck her details on, which is why why I asked.","start":194.18001,"end":199.58499,"sentiment":"neutral","sentiment_score":-0.19802667031233961},{"text":"Did you guys don't have an ETPA on file or, like, external third party authority to talk about each other's accounts?","start":199.645,"end":204.44499,"sentiment":"neutral","sentiment_score":-0.16715027001642047},{"text":"I can't exactly just disclose her details as weird as that does sound even though you're engaged and about","start":204.44499,"end":209.725,"sentiment":"neutral","sentiment_score":-0.3115497388337788}],"sentiment":"neutral","sentiment_score":-0.21328159573022276,"channel":0,"num_words":64,"start":193.22,"end":209.725},{"sentences":[{"text":"No.","start":209.705,"end":209.86499,"sentiment":"neutral","sentiment_score":-0.2888363301753998}],"sentiment":"neutral","sentiment_score":-0.2888363301753998,"channel":1,"num_words":1,"start":209.705,"end":209.86499},{"sentences":[{"text":"to be","start":209.725,"end":209.965,"sentiment":"neutral","sentiment_score":-0.3111514002084732}],"sentiment":"neutral","sentiment_score":-0.3111514002084732,"channel":0,"num_words":2,"start":209.725,"end":209.965},{"sentences":[{"text":"No.","start":209.86499,"end":210.36499,"sentiment":"neutral","sentiment_score":-0.26809459924697876}],"sentiment":"neutral","sentiment_score":-0.26809459924697876,"channel":1,"num_words":1,"start":209.86499,"end":210.36499},{"sentences":[{"text":"married.","start":209.965,"end":210.465,"sentiment":"neutral","sentiment_score":-0.24102571606636047}],"sentiment":"neutral","sentiment_score":-0.24102571606636047,"channel":0,"num_words":1,"start":209.965,"end":210.465},{"sentences":[{"text":"I understand.","start":210.58499,"end":211.245,"sentiment":"neutral","sentiment_score":-0.08840297535061836},{"text":"I work in insurance, so that's 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development, but I look after our corporate accounts as well.","start":240.345,"end":244.985,"sentiment":"neutral","sentiment_score":0.002800199513634046},{"text":"So just like our key corporate clients.","start":244.985,"end":247.89,"sentiment":"neutral","sentiment_score":0.01977544916527612}],"sentiment":"neutral","sentiment_score":0.003248414723202586,"channel":1,"num_words":24,"start":239.785,"end":247.89},{"sentences":[{"text":"Yep.","start":249.22,"end":249.54,"sentiment":"neutral","sentiment_score":0.03786570206284523},{"text":"Does that involve any sort of travel at the moment?","start":249.54,"end":251.72,"sentiment":"neutral","sentiment_score":0.013153215683996678}],"sentiment":"neutral","sentiment_score":0.015399805354801092,"channel":0,"num_words":11,"start":249.22,"end":251.72},{"sentences":[{"text":"Yeah.","start":252.05,"end":252.53,"sentiment":"neutral","sentiment_score":0.03153763338923454},{"text":"I typically travel to, like, Melbourne, Sydney, Brisbane, Perth.","start":252.53,"end":257.51,"sentiment":"neutral","sentiment_score":0.06811424924267663},{"text":"I usually like, once a month, I'll be traveling somewhere.","start":257.81,"end":260.87,"sentiment":"neutral","sentiment_score":0.07269804105162621}],"sentiment":"neutral","sentiment_score":0.06857731435447931,"channel":1,"num_words":20,"start":252.05,"end":260.87},{"sentences":[{"text":"Yep.","start":262.785,"end":263.285,"sentiment":"neutral","sentiment_score":0.2097749412059784},{"text":"Perfect.","start":265.04,"end":265.54,"sentiment":"positive","sentiment_score":0.4449655413627625},{"text":"And so as far as your role is concerned, how much is, like, sort of on the role?","start":265.68002,"end":270.1,"sentiment":"neutral","sentiment_score":0.13954244802395502},{"text":"I know you said about sort of once a month you were sort of traveling, so still about, like, 80% just home based and then 20% doing those 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of","start":306.43,"end":312.17502,"sentiment":"neutral","sentiment_score":0.062004455806393376}],"sentiment":"neutral","sentiment_score":0.05970464646816254,"channel":0,"num_words":21,"start":305.71002,"end":312.17502},{"sentences":[{"text":"Yeah.","start":311.89,"end":312.37003,"sentiment":"neutral","sentiment_score":0.08187051117420197},{"text":"Yep.","start":312.37003,"end":312.87003,"sentiment":"neutral","sentiment_score":0.07471461594104767}],"sentiment":"neutral","sentiment_score":0.07829256355762482,"channel":1,"num_words":2,"start":311.89,"end":312.87003},{"sentences":[{"text":"really and what's your sort of average work week look like in terms of hours at the moment?","start":313.67502,"end":317.775,"sentiment":"neutral","sentiment_score":0.04801530639330546}],"sentiment":"neutral","sentiment_score":0.04801530639330546,"channel":0,"num_words":18,"start":313.67502,"end":317.775},{"sentences":[{"text":"Well, salary for thirty eight fluctuates depending on, like, how busy you 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asking?","start":600.13,"end":606.39,"sentiment":"neutral","sentiment_score":-0.04723964755733808}],"sentiment":"neutral","sentiment_score":-0.04723964755733808,"channel":0,"num_words":24,"start":600.13,"end":606.39},{"sentences":[{"text":"Yeah.","start":606.8,"end":607.12,"sentiment":"neutral","sentiment_score":0.06928135454654694},{"text":"So my AMX is, like, $23, and then I've got a Mastercard as well just, you know because not all places take AMX.","start":607.12,"end":615.3,"sentiment":"neutral","sentiment_score":0.10684129903497903},{"text":"So I think that's, like, 15,000.","start":616.575,"end":618.435,"sentiment":"neutral","sentiment_score":0.14932610342899957}],"sentiment":"neutral","sentiment_score":0.11408626176416874,"channel":1,"num_words":30,"start":606.8,"end":618.435},{"sentences":[{"text":"Yep.","start":620.705,"end":621.10504,"sentiment":"neutral","sentiment_score":0.12536045908927915},{"text":"And, like, apart from sort of just general expenses, there's nothing 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tell you the best way to do it is quite slim.","start":843.55,"end":854.715,"sentiment":"neutral","sentiment_score":-0.3084508767351508},{"text":"If they're getting the loan, they don't really care whether or not you're getting a tax deduction, whereas a broker is a bit more friendly to make it","start":854.715,"end":860.315,"sentiment":"neutral","sentiment_score":-0.21818356242563045}],"sentiment":"neutral","sentiment_score":-0.27128198260770126,"channel":0,"num_words":68,"start":843.55,"end":860.315},{"sentences":[{"text":"Yeah.","start":860.11,"end":860.61,"sentiment":"neutral","sentiment_score":-0.17508380115032196}],"sentiment":"neutral","sentiment_score":-0.17508380115032196,"channel":1,"num_words":1,"start":860.11,"end":860.61},{"sentences":[{"text":"work a bit harder for 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my mind is not too fantastic.","start":1026.95,"end":1029.0499,"sentiment":"negative","sentiment_score":-0.6277424693107605},{"text":"But, you know, it doesn't affect you because you've currently got it.","start":1029.35,"end":1033.275,"sentiment":"neutral","sentiment_score":0.08589576743543148},{"text":"It's fantastic.","start":1033.275,"end":1034.015,"sentiment":"positive","sentiment_score":0.7622356116771698},{"text":"And currently, I know you don't have a will in place, but, you know, the fact that you are getting married at the end of the year would void any wills you currently have anyway.","start":1035.515,"end":1044.255,"sentiment":"neutral","sentiment_score":-0.19429896410022462},{"text":"So 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anyway.","start":1089.785,"end":1096.445,"sentiment":"neutral","sentiment_score":-0.268991934625726}],"sentiment":"neutral","sentiment_score":-0.25550159014934715,"channel":0,"num_words":43,"start":1081.84,"end":1096.445},{"sentences":[{"text":"Uh-huh.","start":1096.7949,"end":1097.2949,"sentiment":"neutral","sentiment_score":-0.05170377716422081}],"sentiment":"neutral","sentiment_score":-0.05170377716422081,"channel":1,"num_words":1,"start":1096.7949,"end":1097.2949},{"sentences":[{"text":"So, yeah, after you get married, there's definitely sort of you should think about potentially getting getting","start":1097.065,"end":1103.24,"sentiment":"neutral","sentiment_score":-0.03717738784411374}],"sentiment":"neutral","sentiment_score":-0.03717738784411374,"channel":0,"num_words":17,"start":1097.065,"end":1103.24},{"sentences":[{"text":"Yeah.","start":1103.0701,"end":1103.39,"sentiment":"neutral","sentiment_score":-0.00977944489568472}],"sentiment":"neutral","sentiment_score":-0.00977944489568472,"channel":1,"num_words":1,"start":1103.0701,"end":1103.39},{"sentences":[{"text":"one.","start":1103.24,"end":1103.74,"sentiment":"neutral","sentiment_score":-0.008266456425189972}],"sentiment":"neutral","sentiment_score":-0.008266456425189972,"channel":0,"num_words":1,"start":1103.24,"end":1103.74},{"sentences":[{"text":"I got","start":1103.39,"end":1103.97,"sentiment":"neutral","sentiment_score":-0.009205670561641455}],"sentiment":"neutral","sentiment_score":-0.009205670561641455,"channel":1,"num_words":2,"start":1103.39,"end":1103.97},{"sentences":[{"text":"And as far as being a tax resident, you're not a tax resident for any other country or","start":1105.32,"end":1109.96,"sentiment":"neutral","sentiment_score":-0.03499221367140611}],"sentiment":"neutral","sentiment_score":-0.03499221367140611,"channel":0,"num_words":18,"start":1105.32,"end":1109.96},{"sentences":[{"text":"him.","start":1109.95,"end":1110.45,"sentiment":"neutral","sentiment_score":-0.04065285623073578}],"sentiment":"neutral","sentiment_score":-0.04065285623073578,"channel":1,"num_words":1,"start":1109.95,"end":1110.45},{"sentences":[{"text":"jurisdiction at the moment?","start":1109.96,"end":1111.065,"sentiment":"neutral","sentiment_score":-0.031329729594290257}],"sentiment":"neutral","sentiment_score":-0.031329729594290257,"channel":0,"num_words":4,"start":1109.96,"end":1111.065},{"sentences":[{"text":"No.","start":1111.31,"end":1111.81,"sentiment":"neutral","sentiment_score":-0.0652271956205368}],"sentiment":"neutral","sentiment_score":-0.0652271956205368,"channel":1,"num_words":1,"start":1111.31,"end":1111.81},{"sentences":[{"text":"Perfect.","start":1113.3049,"end":1113.705,"sentiment":"neutral","sentiment_score":-0.011475831270217896},{"text":"And then with in regards to this question, it's a little bit odd, but you're not politically exposed, or you don't have any friends or family in politics or yourself?","start":1113.705,"end":1122.605,"sentiment":"neutral","sentiment_score":-0.0812734130769968}],"sentiment":"neutral","sentiment_score":-0.07902187818000393,"channel":0,"num_words":31,"start":1113.3049,"end":1122.605},{"sentences":[{"text":"No.","start":1123.095,"end":1123.595,"sentiment":"neutral","sentiment_score":-0.14047664403915405},{"text":"That's random.","start":1124.1349,"end":1124.875,"sentiment":"neutral","sentiment_score":-0.13413101434707642}],"sentiment":"neutral","sentiment_score":-0.13624622424443564,"channel":1,"num_words":3,"start":1123.095,"end":1124.875},{"sentences":[{"text":"Yeah.","start":1125.48,"end":1125.7999,"sentiment":"neutral","sentiment_score":-0.09852828085422516},{"text":"It's to do with, like, like, anti money laundering type deals and then also security risks.","start":1125.7999,"end":1131.0,"sentiment":"neutral","sentiment_score":-0.12679602671414614},{"text":"So not only do we have to be more mindful of politicians and where they receive their money from to, you know, combat if they were doing something dodgy, not to say that I've seen it in any circumstances.","start":1131.0,"end":1142.055,"sentiment":"neutral","sentiment_score":-0.11771732043379392},{"text":"But then also, like, they have a lot more details online, so it's a lot easier to try and impersonate those people in politics.","start":1142.5951,"end":1149.5751,"sentiment":"neutral","sentiment_score":-0.30144614167511463}],"sentiment":"neutral","sentiment_score":-0.17441184506751597,"channel":0,"num_words":80,"start":1125.48,"end":1149.5751},{"sentences":[{"text":"Okay.","start":1150.305,"end":1150.625,"sentiment":"neutral","sentiment_score":-0.11021281033754347},{"text":"But what what if I what if someone just lied to answering that 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exposed","start":1157.8,"end":1168.325,"sentiment":"neutral","sentiment_score":-0.11669799012856351}],"sentiment":"neutral","sentiment_score":-0.13915168662511168,"channel":0,"num_words":42,"start":1156.36,"end":1168.325},{"sentences":[{"text":"Okay.","start":1167.845,"end":1168.345,"sentiment":"neutral","sentiment_score":-0.04479530453681946}],"sentiment":"neutral","sentiment_score":-0.04479530453681946,"channel":1,"num_words":1,"start":1167.845,"end":1168.345},{"sentences":[{"text":"sort of space as, like, someone in that.","start":1168.385,"end":1170.805,"sentiment":"neutral","sentiment_score":-0.0767186563462019},{"text":"Yeah.","start":1170.865,"end":1171.365,"sentiment":"neutral","sentiment_score":0.08090510219335556},{"text":"And then also, we'd keep an eye if you're receiving any sort of lump random sums in regards to if I you came to me and said, I want to invest half $1,000,000 that I've just gotten out of thin 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said,","start":1186.0,"end":1187.22,"sentiment":"neutral","sentiment_score":-0.020377280190587044}],"sentiment":"neutral","sentiment_score":-0.030250878445804118,"channel":0,"num_words":20,"start":1181.6,"end":1187.22},{"sentences":[{"text":"Yeah.","start":1186.79,"end":1187.11,"sentiment":"neutral","sentiment_score":0.02343899756669998},{"text":"Fair enough.","start":1187.11,"end":1187.85,"sentiment":"neutral","sentiment_score":0.043866829946637154}],"sentiment":"neutral","sentiment_score":0.037057552486658096,"channel":1,"num_words":3,"start":1186.79,"end":1187.85},{"sentences":[{"text":"definitely have not seen it yet, but we just included 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years.","start":1194.375,"end":1203.335,"sentiment":"positive","sentiment_score":0.33456044950905967},{"text":"But is there anything else that you're sort of working towards?","start":1203.335,"end":1205.4349,"sentiment":"neutral","sentiment_score":0.14198302883993497}],"sentiment":"neutral","sentiment_score":0.2953549310888933,"channel":0,"num_words":46,"start":1193.655,"end":1205.4349},{"sentences":[{"text":"Mhmm.","start":1205.685,"end":1206.185,"sentiment":"neutral","sentiment_score":0.025163039565086365},{"text":"Not really.","start":1206.485,"end":1206.9651,"sentiment":"neutral","sentiment_score":-0.06790599599480629},{"text":"I just wanna, like, by the end of this year, I wanna be probably have the house sitting around, like, an extra maybe 30 or $40 paid off it.","start":1206.9651,"end":1216.0299,"sentiment":"neutral","sentiment_score":0.03376243302020533},{"text":"I kinda wanna","start":1216.0299,"end":1216.6699,"sentiment":"neutral","sentiment_score":0.1108115091919899}],"sentiment":"neutral","sentiment_score":0.034311318078211375,"channel":1,"num_words":35,"start":1205.685,"end":1216.6699},{"sentences":[{"text":"Yep.","start":1216.49,"end":1216.99,"sentiment":"neutral","sentiment_score":0.12414880841970444}],"sentiment":"neutral","sentiment_score":0.12414880841970444,"channel":0,"num_words":1,"start":1216.49,"end":1216.99},{"sentences":[{"text":"get into, like, the $2.08, $2.09 mark with how much is left.","start":1216.6699,"end":1221.25,"sentiment":"neutral","sentiment_score":0.12823235740264258}],"sentiment":"neutral","sentiment_score":0.12823235740264258,"channel":1,"num_words":12,"start":1216.6699,"end":1221.25},{"sentences":[{"text":"Perfect.","start":1223.465,"end":1223.965,"sentiment":"positive","sentiment_score":0.6304898262023926},{"text":"And as far as anything else that you're sort of working towards, is there anything else that you're sort of trying to accomplish in the next sort of few years?","start":1225.705,"end":1232.205,"sentiment":"neutral","sentiment_score":0.19557022626201312}],"sentiment":"neutral","sentiment_score":0.2095998907762189,"channel":0,"num_words":31,"start":1223.465,"end":1232.205},{"sentences":[{"text":"No.","start":1232.395,"end":1232.715,"sentiment":"neutral","sentiment_score":-0.24066710472106936},{"text":"Not really.","start":1232.715,"end":1233.375,"sentiment":"neutral","sentiment_score":-0.1764884889125824}],"sentiment":"neutral","sentiment_score":-0.19788136084874472,"channel":1,"num_words":3,"start":1232.395,"end":1233.375},{"sentences":[{"text":"Brilliant.","start":1235.1,"end":1235.6,"sentiment":"neutral","sentiment_score":0.15699508786201477},{"text":"Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there.","start":1236.86,"end":1243.4199,"sentiment":"neutral","sentiment_score":0.08345202379154437},{"text":"So you've made direct shares, so I'll tick that box for you.","start":1243.4199,"end":1247.075,"sentiment":"neutral","sentiment_score":0.2379295714199543},{"text":"And you're still investing for the long term.","start":1247.215,"end":1248.815,"sentiment":"neutral","sentiment_score":0.2674126394558698},{"text":"Obviously, you're on the younger side of things, so investing for the future.","start":1248.815,"end":1251.875,"sentiment":"neutral","sentiment_score":0.2615021730844791}],"sentiment":"neutral","sentiment_score":0.16872979247414355,"channel":0,"num_words":67,"start":1235.1,"end":1251.875},{"sentences":[{"text":"Yeah.","start":1252.505,"end":1252.665,"sentiment":"neutral","sentiment_score":0.21294942498207092},{"text":"Yeah.","start":1252.665,"end":1252.985,"sentiment":"neutral","sentiment_score":0.1500963717699051},{"text":"So I think even the, like, the suite that you 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that.","start":1362.2999,"end":1363.9199,"sentiment":"neutral","sentiment_score":-0.0694606713950634},{"text":"And then in regards to, like, your performance over time, was you aiming for the higher performance?","start":1365.26,"end":1370.24,"sentiment":"neutral","sentiment_score":0.003851174541256007},{"text":"But with events like COVID and those sort of things that did occur, did that make you a little cautious at all at anything with that?","start":1370.2999,"end":1376.755,"sentiment":"neutral","sentiment_score":-0.21179607682503188}],"sentiment":"neutral","sentiment_score":-0.12295609584543854,"channel":0,"num_words":48,"start":1362.14,"end":1376.755},{"sentences":[{"text":"What?","start":1377.89,"end":1378.21,"sentiment":"neutral","sentiment_score":-0.04788137972354889},{"text":"From a health perspective or a financial perspective?","start":1378.21,"end":1380.47,"sentiment":"neutral","sentiment_score":-0.05617907317355275}],"sentiment":"neutral","sentiment_score":-0.055257107234663434,"channel":1,"num_words":9,"start":1377.89,"end":1380.47},{"sentences":[{"text":"Financials perspective in terms of, like, superannuation, obviously, took a bit of a hit and a bit of a","start":1380.8151,"end":1385.135,"sentiment":"neutral","sentiment_score":-0.18420325454912687}],"sentiment":"neutral","sentiment_score":-0.18420325454912687,"channel":0,"num_words":19,"start":1380.8151,"end":1385.135},{"sentences":[{"text":"Nah.","start":1385.01,"end":1385.51,"sentiment":"neutral","sentiment_score":-0.22751936316490173}],"sentiment":"neutral","sentiment_score":-0.22751936316490173,"channel":1,"num_words":1,"start":1385.01,"end":1385.51},{"sentences":[{"text":"backward step there.","start":1385.135,"end":1386.15,"sentiment":"neutral","sentiment_score":-0.2864498347043991}],"sentiment":"neutral","sentiment_score":-0.2864498347043991,"channel":0,"num_words":3,"start":1385.135,"end":1386.15},{"sentences":[{"text":"I I didn't really take any notice of it, to be honest.","start":1385.97,"end":1389.19,"sentiment":"neutral","sentiment_score":-0.26796316852172214}],"sentiment":"neutral","sentiment_score":-0.26796316852172214,"channel":1,"num_words":12,"start":1385.97,"end":1389.19},{"sentences":[{"text":"Yep.","start":1390.55,"end":1390.9501,"sentiment":"neutral","sentiment_score":-0.030230015516281128}],"sentiment":"neutral","sentiment_score":-0.030230015516281128,"channel":0,"num_words":1,"start":1390.55,"end":1390.9501},{"sentences":[{"text":"I didn't 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I didn't really like yeah.","start":1391.285,"end":1394.165,"sentiment":"neutral","sentiment_score":-0.17564758732914926},{"text":"It didn't really have too much of an impact for me.","start":1394.165,"end":1396.1849,"sentiment":"neutral","sentiment_score":-0.29216557063839654}],"sentiment":"neutral","sentiment_score":-0.23668081668161212,"channel":1,"num_words":21,"start":1391.285,"end":1396.1849},{"sentences":[{"text":"Bit out of sight out of 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in regards to taking out loans to invest, obviously, you've got the property and then potentially investment property down the future.","start":1400.345,"end":1408.1849,"sentiment":"neutral","sentiment_score":0.06395210867578333},{"text":"But would you ever put borrowed money into things like a share portfolio once you sort of become a bit more secure and have a bit less debt associated with your property?","start":1408.1849,"end":1414.9249,"sentiment":"neutral","sentiment_score":0.033385552058462054}],"sentiment":"neutral","sentiment_score":0.04583859364329665,"channel":0,"num_words":54,"start":1400.345,"end":1414.9249},{"sentences":[{"text":"No.","start":1415.2,"end":1415.68,"sentiment":"neutral","sentiment_score":-0.15471580624580383},{"text":"Probably not.","start":1415.68,"end":1416.32,"sentiment":"neutral","sentiment_score":-0.17693591117858887},{"text":"I I'd trigger, like, taking loans out for, like, property and, you know, brick and mortar.","start":1416.32,"end":1421.445,"sentiment":"neutral","sentiment_score":-0.2013215972110629},{"text":"I wouldn't do it for shares.","start":1421.585,"end":1423.125,"sentiment":"neutral","sentiment_score":-0.21648473044236502}],"sentiment":"neutral","sentiment_score":-0.20114566266536713,"channel":1,"num_words":25,"start":1415.2,"end":1423.125},{"sentences":[{"text":"Nope.","start":1424.7899,"end":1425.11,"sentiment":"neutral","sentiment_score":-0.03774358332157135},{"text":"That's perfectly fine.","start":1425.11,"end":1426.3099,"sentiment":"neutral","sentiment_score":0.20815446972846985},{"text":"So it still does bring you out as a high growth investor, and that's","start":1426.3099,"end":1429.345,"sentiment":"positive","sentiment_score":0.40339153366429464}],"sentiment":"positive","sentiment_score":0.3463445165091091,"channel":0,"num_words":18,"start":1424.7899,"end":1429.345},{"sentences":[{"text":"Yep.","start":1429.265,"end":1429.68,"sentiment":"neutral","sentiment_score":0.2415778934955597}],"sentiment":"neutral","sentiment_score":0.2415778934955597,"channel":1,"num_words":1,"start":1429.265,"end":1429.68},{"sentences":[{"text":"still about that ninetyten split, about 90% in, like, investing in growth assets, about 10% defensive, which is more than appropriate for your age there and","start":1429.345,"end":1438.3849,"sentiment":"neutral","sentiment_score":0.15819368597406608}],"sentiment":"neutral","sentiment_score":0.15819368597406608,"channel":0,"num_words":26,"start":1429.345,"end":1438.3849},{"sentences":[{"text":"Yep.","start":1438.3201,"end":1438.8201,"sentiment":"neutral","sentiment_score":0.08402767032384872}],"sentiment":"neutral","sentiment_score":0.08402767032384872,"channel":1,"num_words":1,"start":1438.3201,"end":1438.8201},{"sentences":[{"text":"sort of aiming for those longer returns over over time even though it does experience a little bit more volatility.","start":1438.3849,"end":1443.5249,"sentiment":"neutral","sentiment_score":0.010670425370335579}],"sentiment":"neutral","sentiment_score":0.010670425370335579,"channel":0,"num_words":20,"start":1438.3849,"end":1443.5249},{"sentences":[{"text":"Yep.","start":1444.0,"end":1444.5,"sentiment":"neutral","sentiment_score":0.13892558217048645}],"sentiment":"neutral","sentiment_score":0.13892558217048645,"channel":1,"num_words":1,"start":1444.0,"end":1444.5},{"sentences":[{"text":"Perfect.","start":1446.4501,"end":1446.9501,"sentiment":"neutral","sentiment_score":0.3299627900123596},{"text":"Now in regards to your current performance there as well, now I'm not too sure if you've looked at your super recently.","start":1447.5701,"end":1454.9501,"sentiment":"neutral","sentiment_score":0.03215160093862902},{"text":"It was doing quite well until sort of the end of last year with everything that has occurred in the last few months in the the political space there as well.","start":1455.41,"end":1462.8151,"sentiment":"neutral","sentiment_score":-0.018211814064172008}],"sentiment":"neutral","sentiment_score":0.00875429212357159,"channel":0,"num_words":54,"start":1446.4501,"end":1462.8151},{"sentences":[{"text":"Uh-huh.","start":1463.11,"end":1463.61,"sentiment":"neutral","sentiment_score":-0.039976347237825394}],"sentiment":"neutral","sentiment_score":-0.039976347237825394,"channel":1,"num_words":1,"start":1463.11,"end":1463.61},{"sentences":[{"text":"In addition to that one that hasn't really helped in regards to that is I'm not too sure if you've heard about Dentalong or its underlying investment that it has in corporate traveler.","start":1463.675,"end":1472.61,"sentiment":"neutral","sentiment_score":-0.1412660942384691},{"text":"Now they were done for not reporting correctly, and as a result, were put on a trading hold.","start":1472.61,"end":1477.99,"sentiment":"negative","sentiment_score":-0.48455430567264557},{"text":"It caused Benelon to have to reevaluate that stock.","start":1478.13,"end":1480.85,"sentiment":"negative","sentiment_score":-0.5796091126071082},{"text":"The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth.","start":1480.85,"end":1486.505,"sentiment":"neutral","sentiment_score":-0.276799301430583},{"text":"And then also a bit of consumer confidence was lost in that, which did cause quite a backward step 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it","start":1508.7899,"end":1509.19,"sentiment":"neutral","sentiment_score":-0.07751668244600296}],"sentiment":"neutral","sentiment_score":-0.2534331041713094,"channel":0,"num_words":43,"start":1495.065,"end":1509.19},{"sentences":[{"text":"Mhmm.","start":1509.165,"end":1509.665,"sentiment":"neutral","sentiment_score":-0.05217964947223663}],"sentiment":"neutral","sentiment_score":-0.05217964947223663,"channel":1,"num_words":1,"start":1509.165,"end":1509.665},{"sentences":[{"text":"also in the one sort of space there.","start":1509.19,"end":1511.77,"sentiment":"neutral","sentiment_score":-0.051854423712939024},{"text":"Now in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update.","start":1511.99,"end":1520.6549,"sentiment":"neutral","sentiment_score":0.03946729339659214},{"text":"I can let you know sort of as the result of Benelon and sort of at least the last year and a bit of their 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inception there, it, like, hasn't been doing too well.","start":1536.36,"end":1539.96,"sentiment":"negative","sentiment_score":-0.4806726033037359},{"text":"And given that it makes up, like, a good portion of your portfolio, given that you're in one of those older portfolios that did go a little bit more aggressive in those actively managed funds to pull that higher growth and that higher risk, we'd be looking to either reproduce that slightly just with everything going on in terms of the active management, or you can look to go fully, like, passive in your investments, which does come at a lower cost.","start":1539.96,"end":1563.27,"sentiment":"neutral","sentiment_score":-0.09891804925552229},{"text":"You aim to track the indexes.","start":1563.27,"end":1564.8099,"sentiment":"neutral","sentiment_score":0.09560862059394519},{"text":"Now I'm not too sure how much you've sort of looked into the the share market and things like 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active alternative for that and maybe sort of adjusting the weighting.","start":1610.14,"end":1618.78,"sentiment":"neutral","sentiment_score":-0.045604576747263634},{"text":"So when things like this do occur, they don't affect your balance as much as it has the last 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has","start":1670.9,"end":1671.7201,"sentiment":"neutral","sentiment_score":0.06391869237025578}],"sentiment":"neutral","sentiment_score":0.06391869237025578,"channel":0,"num_words":3,"start":1670.9,"end":1671.7201},{"sentences":[{"text":"Yeah.","start":1671.585,"end":1672.085,"sentiment":"neutral","sentiment_score":0.12387634068727492}],"sentiment":"neutral","sentiment_score":0.12387634068727492,"channel":1,"num_words":1,"start":1671.585,"end":1672.085},{"sentences":[{"text":"now.","start":1671.78,"end":1672.28,"sentiment":"neutral","sentiment_score":0.09266652911901474}],"sentiment":"neutral","sentiment_score":0.09266652911901474,"channel":0,"num_words":1,"start":1671.78,"end":1672.28},{"sentences":[{"text":"So, yeah, I I would be more than happy to make a change on that.","start":1672.785,"end":1676.6,"sentiment":"neutral","sentiment_score":0.23679264585177104},{"text":"Is this something that you facilitate, or do I have to speak to someone else?","start":1676.6,"end":1679.7999,"sentiment":"neutral","sentiment_score":-0.010246344034870465},{"text":"Or","start":1679.7999,"end":1680.0399,"sentiment":"neutral","sentiment_score":-0.05740046501159668}],"sentiment":"neutral","sentiment_score":0.10776755039490038,"channel":1,"num_words":31,"start":1672.785,"end":1680.0399},{"sentences":[{"text":"No.","start":1680.5801,"end":1680.74,"sentiment":"neutral","sentiment_score":-0.11126864701509476},{"text":"As one of the advisers that what I'll do basically from this, I'll get some notes started.","start":1680.74,"end":1684.635,"sentiment":"neutral","sentiment_score":0.03190166678498773},{"text":"They'll do the research, and they'll look at updating that.","start":1684.635,"end":1687.4551,"sentiment":"neutral","sentiment_score":0.11640040799975396}],"sentiment":"neutral","sentiment_score":0.056966563154544146,"channel":0,"num_words":28,"start":1680.5801,"end":1687.4551},{"sentences":[{"text":"mhmm.","start":1687.48,"end":1687.98,"sentiment":"neutral","sentiment_score":0.0032773527782410383}],"sentiment":"neutral","sentiment_score":0.0032773527782410383,"channel":1,"num_words":1,"start":1687.48,"end":1687.98},{"sentences":[{"text":"And then from there, just given the few business changes, everything, there's a bit of a backlog for one.","start":1688.0751,"end":1692.9751,"sentiment":"neutral","sentiment_score":-0.03431273560578886},{"text":"We will sort of look at doing it as quick as possible.","start":1693.115,"end":1696.415,"sentiment":"neutral","sentiment_score":0.0015701521188020706},{"text":"Given that and that you've already sort of experienced that huge 20% dip that did occur with Benelon around that November mark, if anything, we're hoping that, you know, within that time frame, it does recruit some of that.","start":1696.58,"end":1706.2,"sentiment":"neutral","sentiment_score":-0.13982774317264557},{"text":"But there's no sort of conviction moving forward with Benelon that it will sort of recover a significant raise to make it worth holding it, if that makes sense.","start":1706.34,"end":1714.635,"sentiment":"neutral","sentiment_score":-0.25566432265372113}],"sentiment":"neutral","sentiment_score":-0.13637017668460052,"channel":0,"num_words":99,"start":1688.0751,"end":1714.635},{"sentences":[{"text":"Yeah.","start":1714.55,"end":1714.79,"sentiment":"neutral","sentiment_score":-0.07585702836513519},{"text":"Yeah.","start":1714.79,"end":1715.03,"sentiment":"neutral","sentiment_score":-0.04339931160211563},{"text":"I gotcha.","start":1715.03,"end":1715.61,"sentiment":"neutral","sentiment_score":-0.06329747475683689}],"sentiment":"neutral","sentiment_score":-0.06146282237023115,"channel":1,"num_words":4,"start":1714.55,"end":1715.61},{"sentences":[{"text":"Yeah.","start":1716.135,"end":1716.375,"sentiment":"neutral","sentiment_score":-0.026733554899692535},{"text":"Because, obviously, the like, the cardinal sin is basically sell low by high, but in terms of, like, if you don't believe in the investment, sometimes holding it and flogging that dead horse isn't worth it at the end of the day as well.","start":1716.375,"end":1728.1799,"sentiment":"neutral","sentiment_score":-0.23212513767860152},{"text":"Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense.","start":1728.1799,"end":1740.075,"sentiment":"neutral","sentiment_score":-0.1031835666474174}],"sentiment":"neutral","sentiment_score":-0.17403140352873864,"channel":0,"num_words":79,"start":1716.135,"end":1740.075},{"sentences":[{"text":"Yeah.","start":1740.4099,"end":1740.6499,"sentiment":"neutral","sentiment_score":0.12389235943555832},{"text":"Okay.","start":1740.6499,"end":1741.1499,"sentiment":"neutral","sentiment_score":0.2673967182636261}],"sentiment":"neutral","sentiment_score":0.1956445388495922,"channel":1,"num_words":2,"start":1740.4099,"end":1741.1499},{"sentences":[{"text":"Perfect.","start":1742.715,"end":1743.215,"sentiment":"positive","sentiment_score":0.4377361536026001},{"text":"Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit.","start":1743.6749,"end":1750.075,"sentiment":"neutral","sentiment_score":0.18654910897215207},{"text":"So this will just be going to that email I stated earlier there.","start":1750.075,"end":1752.66,"sentiment":"neutral","sentiment_score":0.16609731775063735},{"text":"And I'll just have a copy of your ongoing service agreement, a tax file opt in form as well.","start":1753.06,"end":1758.2001,"sentiment":"neutral","sentiment_score":0.1433708577563888},{"text":"In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits.","start":1758.66,"end":1764.12,"sentiment":"neutral","sentiment_score":0.09302515221329835}],"sentiment":"neutral","sentiment_score":0.1498446607690179,"channel":0,"num_words":89,"start":1742.715,"end":1764.12},{"sentences":[{"text":"Where it's at previously would just be redacted, and we'll just have it on the one nice form.","start":1764.3401,"end":1767.825,"sentiment":"neutral","sentiment_score":0.12627778160903189},{"text":"In the event that ever you did leave, then your tax file number is just in that one spot.","start":1767.825,"end":1772.1649,"sentiment":"neutral","sentiment_score":0.06519785013638045}],"sentiment":"neutral","sentiment_score":0.09491241139334601,"channel":0,"num_words":37,"start":1764.3401,"end":1772.1649},{"sentences":[{"text":"Mhmm.","start":1772.5,"end":1772.955,"sentiment":"neutral","sentiment_score":0.08515220880508423}],"sentiment":"neutral","sentiment_score":0.08515220880508423,"channel":1,"num_words":1,"start":1772.5,"end":1772.955},{"sentences":[{"text":"In addition to that, you will have a copy of, you know, the new CV of currency for insurances, performance report for last twelve months, the new services guide and financial services guide.","start":1773.105,"end":1781.2101,"sentiment":"neutral","sentiment_score":0.14065058619687051},{"text":"You'll have a little Vanguard chart to show you those tips and everything in the market over that twenty to thirty year period there as well.","start":1781.2101,"end":1786.5901,"sentiment":"neutral","sentiment_score":0.21582166793254706},{"text":"So I'll just send that quickly before I forget.","start":1786.81,"end":1788.99,"sentiment":"neutral","sentiment_score":0.17572816130187777},{"text":"If you do have any questions after you go through those documents as well, feel free to give us a callback and, like, sort of if you're sort of unhappy with the ongoing service agreement or anything like that, feel free to give us a call, have","start":1789.05,"end":1799.955,"sentiment":"neutral","sentiment_score":-0.043245446967317705}],"sentiment":"neutral","sentiment_score":0.08523347960866016,"channel":0,"num_words":115,"start":1773.105,"end":1799.955},{"sentences":[{"text":"Mhmm.","start":1799.9501,"end":1800.4501,"sentiment":"neutral","sentiment_score":-0.0011044377461075785}],"sentiment":"neutral","sentiment_score":-0.0011044377461075785,"channel":1,"num_words":1,"start":1799.9501,"end":1800.4501},{"sentences":[{"text":"a discussion around that.","start":1799.955,"end":1800.915,"sentiment":"neutral","sentiment_score":-0.01889514015056193},{"text":"Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate.","start":1800.915,"end":1808.49,"sentiment":"neutral","sentiment_score":-0.025661578505403466},{"text":"I believe","start":1808.8099,"end":1809.37,"sentiment":"neutral","sentiment_score":-0.02179497294127941}],"sentiment":"neutral","sentiment_score":-0.024211621649252873,"channel":0,"num_words":24,"start":1799.955,"end":1809.37},{"sentences":[{"text":"Mhmm.","start":1808.985,"end":1809.485,"sentiment":"neutral","sentiment_score":-0.0008970815688371658}],"sentiment":"neutral","sentiment_score":-0.0008970815688371658,"channel":1,"num_words":1,"start":1808.985,"end":1809.485},{"sentences":[{"text":"the update actually should probably check that for you.","start":1809.37,"end":1811.77,"sentiment":"neutral","sentiment_score":-0.006956418976187706},{"text":"Bear with me two seconds.","start":1811.77,"end":1813.15,"sentiment":"neutral","sentiment_score":-0.023977517150342464},{"text":"As an ongoing client with a partner on board, they have brought out a coupling fee.","start":1813.85,"end":1818.41,"sentiment":"neutral","sentiment_score":-0.08143448282498866},{"text":"So yeah.","start":1818.41,"end":1818.97,"sentiment":"neutral","sentiment_score":-0.0315752811729908},{"text":"And that has been applied to that new ongoing service agreement.","start":1818.97,"end":1821.21,"sentiment":"neutral","sentiment_score":-0.01992902515286749}],"sentiment":"neutral","sentiment_score":-0.04111202141313359,"channel":0,"num_words":43,"start":1809.37,"end":1821.21},{"sentences":[{"text":"So it drops from 1.65 down to the 1.1%, which is a bit of a bonus.","start":1821.21,"end":1827.125,"sentiment":"neutral","sentiment_score":0.03356310352683067},{"text":"Moving forward, you'll be charged that little bit","start":1827.505,"end":1829.265,"sentiment":"neutral","sentiment_score":0.11400521080940962}],"sentiment":"neutral","sentiment_score":0.06037713928769032,"channel":0,"num_words":24,"start":1821.21,"end":1829.265},{"sentences":[{"text":"Mhmm.","start":1829.13,"end":1829.63,"sentiment":"neutral","sentiment_score":0.09536612778902054}],"sentiment":"neutral","sentiment_score":0.09536612778902054,"channel":1,"num_words":1,"start":1829.13,"end":1829.63},{"sentences":[{"text":"less, which is fantastic.","start":1829.265,"end":1831.205,"sentiment":"positive","sentiment_score":0.4146072268486023},{"text":"Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover.","start":1832.385,"end":1843.9299,"sentiment":"neutral","sentiment_score":0.058148118853569034}],"sentiment":"neutral","sentiment_score":0.10008448450004354,"channel":0,"num_words":34,"start":1829.265,"end":1843.9299},{"sentences":[{"text":"Mhmm.","start":1843.6649,"end":1844.16,"sentiment":"neutral","sentiment_score":-0.020245546475052834}],"sentiment":"neutral","sentiment_score":-0.020245546475052834,"channel":1,"num_words":1,"start":1843.6649,"end":1844.16},{"sentences":[{"text":"I did say that number a bit odd, apologies for that one.","start":1843.99,"end":1846.8099,"sentiment":"neutral","sentiment_score":-0.15051646841069063},{"text":"And as a monthly benefit, you have $7,621 as a monthly benefit.","start":1847.75,"end":1852.9181,"sentiment":"neutral","sentiment_score":-0.011933558077240983},{"text":"Now","start":1852.9181,"end":1853.2386,"sentiment":"neutral","sentiment_score":-0.03495871648192406}],"sentiment":"neutral","sentiment_score":-0.07937436137348414,"channel":0,"num_words":25,"start":1843.99,"end":1853.2386},{"sentences":[{"text":"Mhmm.","start":1853.2001,"end":1853.7001,"sentiment":"neutral","sentiment_score":-0.033502355217933655}],"sentiment":"neutral","sentiment_score":-0.033502355217933655,"channel":1,"num_words":1,"start":1853.2001,"end":1853.7001},{"sentences":[{"text":"given your income increase, you could look at adjusting that and increasing that to where it covers around the 70% of your current income, which would mean reviewing your insurances as a whole.","start":1853.2386,"end":1864.14,"sentiment":"neutral","sentiment_score":-0.04355065005295204},{"text":"Or you could look to do what's called a life event increase, and you can increase cover up to, like, 25% or there's a flat amount.","start":1864.46,"end":1872.3,"sentiment":"neutral","sentiment_score":-0.0019890831228202353},{"text":"I can't remember off the top of my head for Clearview in terms of trying to get a bit closer to the monthly benefit that is 70% of your current income.","start":1872.3,"end":1880.775,"sentiment":"neutral","sentiment_score":-0.09552173028069158},{"text":"Because 70% of even just your base salary of the $1.55 sits at a monthly benefit around 9,000.","start":1881.395,"end":1886.855,"sentiment":"neutral","sentiment_score":-0.13098962563607428},{"text":"Now the the thing with that, obviously, is if you do increase that benefit monthly benefit amount, it obviously comes at a higher cost, and income protection is the more expensive portion of your cover.","start":1887.3151,"end":1899.75,"sentiment":"neutral","sentiment_score":-0.3273443971361433}],"sentiment":"neutral","sentiment_score":-0.12772677211787786,"channel":0,"num_words":143,"start":1853.2386,"end":1899.75},{"sentences":[{"text":"And","start":1900.13,"end":1900.29,"sentiment":"neutral","sentiment_score":-0.188225120306015}],"sentiment":"neutral","sentiment_score":-0.188225120306015,"channel":0,"num_words":1,"start":1900.13,"end":1900.29},{"sentences":[{"text":"Mhmm.","start":1900.275,"end":1900.775,"sentiment":"neutral","sentiment_score":-0.1106887385249138}],"sentiment":"neutral","sentiment_score":-0.1106887385249138,"channel":1,"num_words":1,"start":1900.275,"end":1900.775},{"sentences":[{"text":"then with that as well, your benefit period is all up to the age of 65.","start":1900.29,"end":1904.885,"sentiment":"neutral","sentiment_score":-0.008746975334361196},{"text":"So it's quite a comprehensive in terms of the benefit period.","start":1904.885,"end":1907.705,"sentiment":"neutral","sentiment_score":0.10413110467859289},{"text":"So if you did wanna increase it to that 70%, you could also look at potentially adjusting the benefit period, maybe down to the five year mark.","start":1907.845,"end":1914.63,"sentiment":"neutral","sentiment_score":0.20366479014908825},{"text":"Because sometimes the likelihood if you're on a claim for five years, you may not ever return to work after that five years, if that makes sense as well.","start":1914.95,"end":1922.89,"sentiment":"neutral","sentiment_score":-0.03582607389524065}],"sentiment":"neutral","sentiment_score":0.06584920165274875,"channel":0,"num_words":83,"start":1900.29,"end":1922.89},{"sentences":[{"text":"Mhmm.","start":1923.0651,"end":1923.5651,"sentiment":"neutral","sentiment_score":-0.004186729900538921},{"text":"Okay.","start":1923.625,"end":1924.125,"sentiment":"neutral","sentiment_score":0.00482645258307457}],"sentiment":"neutral","sentiment_score":0.0003198613412678242,"channel":1,"num_words":2,"start":1923.0651,"end":1924.125},{"sentences":[{"text":"The other insurance you don't have currently, which I'm not too sure how much was talked about in the past there as well as trauma cover.","start":1925.51,"end":1931.095,"sentiment":"neutral","sentiment_score":-0.07295459107710765},{"text":"Did they sort of do you remember trauma cover or the conversation surrounding that or what it covers for?","start":1931.155,"end":1935.495,"sentiment":"neutral","sentiment_score":-0.056027603972899284}],"sentiment":"neutral","sentiment_score":-0.0658076409664419,"channel":0,"num_words":45,"start":1925.51,"end":1935.495},{"sentences":[{"text":"No.","start":1935.51,"end":1935.75,"sentiment":"neutral","sentiment_score":-0.24223384261131287},{"text":"I've never heard of that.","start":1935.75,"end":1937.13,"sentiment":"neutral","sentiment_score":-0.2314257264137268}],"sentiment":"neutral","sentiment_score":-0.2332270791133245,"channel":1,"num_words":6,"start":1935.51,"end":1937.13},{"sentences":[{"text":"Okay.","start":1937.395,"end":1937.715,"sentiment":"neutral","sentiment_score":0.03982767462730408},{"text":"Not a problem.","start":1937.715,"end":1938.535,"sentiment":"neutral","sentiment_score":0.1541919857263565},{"text":"So trauma cover is like a lump sum benefit.","start":1938.755,"end":1941.0,"sentiment":"neutral","sentiment_score":0.13622529142432743},{"text":"Similar to, like, total permanent disability, it is a lump sum payment.","start":1941.08,"end":1944.3,"sentiment":"neutral","sentiment_score":0.0993582538018624},{"text":"Now with in regards to that, it is paid out of pocket.","start":1944.36,"end":1947.9,"sentiment":"neutral","sentiment_score":0.11998491610089938}],"sentiment":"neutral","sentiment_score":0.11785268360698545,"channel":0,"num_words":37,"start":1937.395,"end":1947.9},{"sentences":[{"text":"It can't be paid through superannuation like your other insurances, but it kind of is the bridge gap between income protection and total permanent disability.","start":1948.12,"end":1955.66,"sentiment":"neutral","sentiment_score":0.04365486172027886},{"text":"Now it covers for traumatic events, things like heart attacks, strokes, and, obviously, it depends a little bit on the the PDF of the product and what the conditions list and how many they actually cover.","start":1955.72,"end":1966.1649,"sentiment":"neutral","sentiment_score":0.051852352192832366},{"text":"But it covers for those events in life.","start":1966.785,"end":1968.885,"sentiment":"neutral","sentiment_score":0.043299463111907244},{"text":"Say, you had a stroke tomorrow and you're injured to where you can't work, but it's minor and you can go back to work, say, within a month, you might not get to claim on an income protection policy.","start":1969.14,"end":1979.3201,"sentiment":"neutral","sentiment_score":-0.07909791448559517},{"text":"You may be medically cleared to go back to work.","start":1979.4601,"end":1981.3,"sentiment":"neutral","sentiment_score":-0.014397726953029632}],"sentiment":"neutral","sentiment_score":0.0006411524777600573,"channel":0,"num_words":118,"start":1948.12,"end":1981.3},{"sentences":[{"text":"You may not end up being totally permanently disabled from that, Whereas the trauma policy would still pay out because you met a condition of the release.","start":1981.3,"end":1989.3151,"sentiment":"neutral","sentiment_score":-0.024602876079303247},{"text":"It's less of the you're too injured or sick to be able to return to work or you're unable to ever return to work with total permanent disability.","start":1989.3151,"end":1997.095,"sentiment":"neutral","sentiment_score":-0.1879560939435448},{"text":"It just means if you cover that condition, it ticks a box, you get the payment, if that makes sense.","start":1997.4,"end":2002.4601,"sentiment":"neutral","sentiment_score":0.2584771528840065}],"sentiment":"neutral","sentiment_score":-0.010100069691737493,"channel":0,"num_words":75,"start":1981.3,"end":2002.4601},{"sentences":[{"text":"Mhmm.","start":2002.615,"end":2003.115,"sentiment":"neutral","sentiment_score":0.04323416203260422},{"text":"Okay.","start":2003.335,"end":2003.835,"sentiment":"neutral","sentiment_score":-0.082356758415699}],"sentiment":"neutral","sentiment_score":-0.019561298191547394,"channel":1,"num_words":2,"start":2002.615,"end":2003.835},{"sentences":[{"text":"So it can be one of the more claimed on insurances because, obviously, you know, if you get diagnosed with a type of cancer that can be cured sort of with the, you know, getting cut out or a bit of, you know, chemotherapy, there is well, you may still be having to work during that period because you're not sick enough to where you can't work, but then you're not getting any sort of payment, whereas that trauma insurance helps with that and sort of facilitating some time off work and then also, you know, some medical costs and things like that as well.","start":2004.68,"end":2032.2001,"sentiment":"neutral","sentiment_score":-0.04695949373500688}],"sentiment":"neutral","sentiment_score":-0.04695949373500688,"channel":0,"num_words":105,"start":2004.68,"end":2032.2001},{"sentences":[{"text":"Okay.","start":2032.9249,"end":2033.4249,"sentiment":"neutral","sentiment_score":0.05525343120098114},{"text":"Well, that's probably something to think about.","start":2033.8049,"end":2035.6649,"sentiment":"neutral","sentiment_score":0.04543187815163817}],"sentiment":"neutral","sentiment_score":0.04665957228280604,"channel":1,"num_words":8,"start":2032.9249,"end":2035.6649},{"sentences":[{"text":"Yep.","start":2036.8351,"end":2037.3351,"sentiment":"neutral","sentiment_score":0.26256251335144043},{"text":"If you do wanna review your insurances now, we can have a look at that.","start":2038.035,"end":2041.7151,"sentiment":"neutral","sentiment_score":0.26316196024417876},{"text":"Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date.","start":2041.7151,"end":2046.915,"sentiment":"neutral","sentiment_score":0.27532166793294577},{"text":"I don't wanna sort of put you on the spot and say review these now.","start":2046.915,"end":2049.51,"sentiment":"neutral","sentiment_score":-0.30973874827226006},{"text":"Because in terms of the life and total permanent disability, it's more than adequate for your level of debt.","start":2049.91,"end":2053.69,"sentiment":"neutral","sentiment_score":-0.08763879655223143}],"sentiment":"neutral","sentiment_score":0.05796125919035036,"channel":0,"num_words":73,"start":2036.8351,"end":2053.69},{"sentences":[{"text":"Your income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue.","start":2054.15,"end":2061.83,"sentiment":"neutral","sentiment_score":-0.012673998958077925},{"text":"You don't have to cover for 70% of your income.","start":2061.83,"end":2064.195,"sentiment":"neutral","sentiment_score":-0.06176690086722374},{"text":"That's just the maximum you can cover for, if that makes sense as well.","start":2064.2751,"end":2067.335,"sentiment":"neutral","sentiment_score":0.09400454003896032}],"sentiment":"neutral","sentiment_score":0.006242426077149949,"channel":0,"num_words":53,"start":2054.15,"end":2067.335},{"sentences":[{"text":"Yeah.","start":2066.9849,"end":2067.305,"sentiment":"neutral","sentiment_score":0.06536669284105301},{"text":"Okay.","start":2067.305,"end":2067.805,"sentiment":"neutral","sentiment_score":0.037572793662548065},{"text":"No.","start":2067.865,"end":2068.105,"sentiment":"neutral","sentiment_score":-0.11812616884708405},{"text":"Look.","start":2068.105,"end":2068.505,"sentiment":"neutral","sentiment_score":-0.0934627577662468},{"text":"I'm pretty comfortable in terms of, like, where our financials sit.","start":2068.505,"end":2072.0999,"sentiment":"neutral","sentiment_score":0.031101672021164137}],"sentiment":"neutral","sentiment_score":0.015564596808205048,"channel":1,"num_words":15,"start":2066.9849,"end":2072.0999},{"sentences":[{"text":"So,","start":2072.0999,"end":2072.26,"sentiment":"neutral","sentiment_score":0.09990807622671127}],"sentiment":"neutral","sentiment_score":0.09990807622671127,"channel":1,"num_words":1,"start":2072.0999,"end":2072.26},{"sentences":[{"text":"Yep.","start":2072.195,"end":2072.695,"sentiment":"neutral","sentiment_score":0.18155059218406677}],"sentiment":"neutral","sentiment_score":0.18155059218406677,"channel":0,"num_words":1,"start":2072.195,"end":2072.695},{"sentences":[{"text":"yeah, we probably wouldn't make any changes at the moment.","start":2072.26,"end":2074.8398,"sentiment":"neutral","sentiment_score":-0.09075028970837593}],"sentiment":"neutral","sentiment_score":-0.09075028970837593,"channel":1,"num_words":10,"start":2072.26,"end":2074.8398},{"sentences":[{"text":"That's more than fine.","start":2075.3152,"end":2076.195,"sentiment":"positive","sentiment_score":0.34932585805654526},{"text":"If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection.","start":2076.195,"end":2085.22,"sentiment":"neutral","sentiment_score":0.18532257739986693},{"text":"Your 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passport?","start":2165.01,"end":2169.03,"sentiment":"neutral","sentiment_score":0.04043628565139241},{"text":"Then","start":2169.5698,"end":2169.8098,"sentiment":"neutral","sentiment_score":0.06329885125160217}],"sentiment":"neutral","sentiment_score":0.045775096576947436,"channel":0,"num_words":26,"start":2163.73,"end":2169.8098},{"sentences":[{"text":"Yep.","start":2169.665,"end":2170.165,"sentiment":"neutral","sentiment_score":0.08508610725402832}],"sentiment":"neutral","sentiment_score":0.08508610725402832,"channel":1,"num_words":1,"start":2169.665,"end":2170.165},{"sentences":[{"text":"we can just update that on file.","start":2169.8098,"end":2171.3298,"sentiment":"neutral","sentiment_score":0.10533798273120608},{"text":"We just hold on file, confirm it is a valid document, and then it just sits there and make sure that you're still alive and kicking in a real 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a little bit on adviser fees there as well.","start":2200.59,"end":2203.175,"sentiment":"positive","sentiment_score":0.4939762909304012},{"text":"I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus.","start":2203.175,"end":2206.875,"sentiment":"neutral","sentiment_score":0.2873873092234135}],"sentiment":"positive","sentiment_score":0.35068316099255586,"channel":0,"num_words":43,"start":2196.43,"end":2206.875},{"sentences":[{"text":"Yeah.","start":2207.09,"end":2207.4902,"sentiment":"positive","sentiment_score":0.4564865827560425},{"text":"Cool.","start":2207.4902,"end":2207.81,"sentiment":"positive","sentiment_score":0.615404486656189},{"text":"Okay.","start":2207.81,"end":2208.31,"sentiment":"positive","sentiment_score":0.35406678915023804}],"sentiment":"positive","sentiment_score":0.4753192861874898,"channel":1,"num_words":3,"start":2207.09,"end":2208.31},{"sentences":[{"text":"No 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you","start":2254.8098,"end":2264.7852,"sentiment":"neutral","sentiment_score":0.11183970034122467}],"sentiment":"neutral","sentiment_score":0.11183970034122467,"channel":0,"num_words":50,"start":2254.8098,"end":2264.7852},{"sentences":[{"text":"Mhmm.","start":2264.69,"end":2265.19,"sentiment":"neutral","sentiment_score":0.08651697635650635}],"sentiment":"neutral","sentiment_score":0.08651697635650635,"channel":1,"num_words":1,"start":2264.69,"end":2265.19},{"sentences":[{"text":"some some mark to hit.","start":2264.7852,"end":2266.145,"sentiment":"neutral","sentiment_score":0.06219681724905968},{"text":"Like you said, you wanna hit that sort of $2.82 90 mark.","start":2266.145,"end":2268.705,"sentiment":"neutral","sentiment_score":0.08817025863875945},{"text":"You could just sort of punch in what you currently got and where you're trying to get and sort of play around with the figures and see what you have to hit to make that sort of 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month?","start":2303.32,"end":2307.56,"sentiment":"neutral","sentiment_score":0.14237085656951304},{"text":"You don't really wanna look at changing that or anything?","start":2307.56,"end":2309.58,"sentiment":"neutral","sentiment_score":-0.08268938101828098}],"sentiment":"neutral","sentiment_score":0.09246521141818341,"channel":0,"num_words":34,"start":2302.68,"end":2309.58},{"sentences":[{"text":"No.","start":2309.835,"end":2310.2349,"sentiment":"neutral","sentiment_score":-0.24981236457824707},{"text":"I'm not at this stage.","start":2310.2349,"end":2311.375,"sentiment":"neutral","sentiment_score":-0.3129038572311401},{"text":"We've got a bit of change going on at work, so probably not making any significant changes with funding.","start":2311.6748,"end":2317.2148,"sentiment":"neutral","sentiment_score":-0.1989877074956894}],"sentiment":"neutral","sentiment_score":-0.22380392372608185,"channel":1,"num_words":25,"start":2309.835,"end":2317.2148},{"sentences":[{"text":"Perfect.","start":2317.895,"end":2318.2148,"sentiment":"positive","sentiment_score":0.5565348863601685},{"text":"With the income increase anyway, you're contributing a bit more, so happy","start":2318.2148,"end":2321.255,"sentiment":"positive","sentiment_score":0.407333068549633}],"sentiment":"positive","sentiment_score":0.4188101314581357,"channel":0,"num_words":13,"start":2317.895,"end":2321.255},{"sentences":[{"text":"Yeah.","start":2321.2,"end":2321.7,"sentiment":"neutral","sentiment_score":0.1317863166332245}],"sentiment":"neutral","sentiment_score":0.1317863166332245,"channel":1,"num_words":1,"start":2321.2,"end":2321.7},{"sentences":[{"text":"days.","start":2321.255,"end":2321.755,"sentiment":"neutral","sentiment_score":0.10416019707918169},{"text":"Not a problem.","start":2322.6948,"end":2323.335,"sentiment":"neutral","sentiment_score":0.2675458788871765},{"text":"Well, thanks for your time, Dominic.","start":2323.335,"end":2324.375,"sentiment":"positive","sentiment_score":0.5455053448677063},{"text":"I probably took up a little bit more time than you were expecting, but you enjoy","start":2324.375,"end":2327.095,"sentiment":"neutral","sentiment_score":0.2949903314001858}],"sentiment":"positive","sentiment_score":0.34229520020576626,"channel":0,"num_words":26,"start":2321.255,"end":2327.095},{"sentences":[{"text":"No.","start":2326.88,"end":2327.2,"sentiment":"neutral","sentiment_score":0.05289489030838013}],"sentiment":"neutral","sentiment_score":0.05289489030838013,"channel":1,"num_words":1,"start":2326.88,"end":2327.2},{"sentences":[{"text":"the rest","start":2327.095,"end":2327.335,"sentiment":"neutral","sentiment_score":0.11554100364446641}],"sentiment":"neutral","sentiment_score":0.11554100364446641,"channel":0,"num_words":2,"start":2327.095,"end":2327.335},{"sentences":[{"text":"You're","start":2327.2,"end":2327.44,"sentiment":"neutral","sentiment_score":0.26520246267318726}],"sentiment":"neutral","sentiment_score":0.26520246267318726,"channel":1,"num_words":1,"start":2327.2,"end":2327.44},{"sentences":[{"text":"of the","start":2327.335,"end":2327.4949,"sentiment":"positive","sentiment_score":0.34810470044612885}],"sentiment":"positive","sentiment_score":0.34810470044612885,"channel":0,"num_words":2,"start":2327.335,"end":2327.4949},{"sentences":[{"text":"fine.","start":2327.44,"end":2327.94,"sentiment":"neutral","sentiment_score":0.30798155069351196}],"sentiment":"neutral","sentiment_score":0.30798155069351196,"channel":1,"num_words":1,"start":2327.44,"end":2327.94},{"sentences":[{"text":"afternoon.","start":2327.4949,"end":2327.9949,"sentiment":"neutral","sentiment_score":0.31900879740715027}],"sentiment":"neutral","sentiment_score":0.31900879740715027,"channel":0,"num_words":1,"start":2327.4949,"end":2327.9949},{"sentences":[{"text":"Awesome.","start":2328.64,"end":2329.1199,"sentiment":"positive","sentiment_score":0.7441030740737915},{"text":"Thanks,","start":2329.1199,"end":2329.3599,"sentiment":"positive","sentiment_score":0.7642604112625122}],"sentiment":"positive","sentiment_score":0.7541817426681519,"channel":1,"num_words":2,"start":2328.64,"end":2329.3599},{"sentences":[{"text":"Cheers.","start":2329.1228,"end":2329.6228,"sentiment":"positive","sentiment_score":0.7419933080673218}],"sentiment":"positive","sentiment_score":0.7419933080673218,"channel":0,"num_words":1,"start":2329.1228,"end":2329.6228},{"sentences":[{"text":"mate.","start":2329.3599,"end":2329.5999,"sentiment":"positive","sentiment_score":0.5922196507453918},{"text":"Appreciate it.","start":2329.5999,"end":2330.5798,"sentiment":"positive","sentiment_score":0.7356740236282349}],"sentiment":"positive","sentiment_score":0.6878558993339539,"channel":1,"num_words":3,"start":2329.3599,"end":2330.5798},{"sentences":[{"text":"No problem.","start":2330.6428,"end":2331.203,"sentiment":"positive","sentiment_score":0.4941105544567108},{"text":"I'll catch you later.","start":2331.203,"end":2332.1628,"sentiment":"positive","sentiment_score":0.5434708371758461},{"text":"Thanks.","start":2332.1628,"end":2332.563,"sentiment":"positive","sentiment_score":0.6427196264266968}],"sentiment":"positive","sentiment_score":0.5435462977205004,"channel":0,"num_words":7,"start":2330.6428,"end":2332.563},{"sentences":[{"text":"Cheers.","start":2332.48,"end":2332.88,"sentiment":"positive","sentiment_score":0.5444258451461792}],"sentiment":"positive","sentiment_score":0.5444258451461792,"channel":1,"num_words":1,"start":2332.48,"end":2332.88},{"sentences":[{"text":"Bye.","start":2332.563,"end":2333.063,"sentiment":"neutral","sentiment_score":0.3325712978839874}],"sentiment":"neutral","sentiment_score":0.3325712978839874,"channel":0,"num_words":1,"start":2332.563,"end":2333.063},{"sentences":[{"text":"Bye.","start":2332.88,"end":2333.38,"sentiment":"neutral","sentiment_score":-0.0989476889371872}],"sentiment":"neutral","sentiment_score":-0.0989476889371872,"channel":1,"num_words":1,"start":2332.88,"end":2333.38}]},"summary":{"result":"success","short":"A financial adviser from Oakview Financial named Carl calls Dominic to confirm some details about his annual review and discuss his risk profile. Dominic works from home and is mostly working from home, and they discuss the number of employees and their work schedules. The conversation covers Dominic's role as a business development manager and corporate sponsorship manager, his income, savings, retirement plans, and investment property. The speakers also discuss risk tolerance, investment strategies, and updating loan details and insurance coverage."},"intents":{"segments":[{"text":"Dominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker. Great.","start_word":83,"end_word":92,"intents":[{"intent":"Confirm information","confidence_score":0.04394716}]},{"text":"And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like.","start_word":185,"end_word":213,"intents":[{"intent":"Send documents","confidence_score":0.08203549},{"intent":"Share contacts","confidence_score":0.000027784254}]},{"text":"Now I know you've done a few of these before there, Dominic. So what I'll do is I'll just run through and confirm a few of those details on your fax line again.","start_word":276,"end_word":308,"intents":[{"intent":"Confirm details","confidence_score":0.090779394}]},{"text":"Perfect.","start_word":1182,"end_word":1182,"intents":[{"intent":"Express gratitude","confidence_score":0.0002887641}]},{"text":"And as far as the employer's name, I don't believe we've got that on file.","start_word":1183,"end_word":1197,"intents":[{"intent":"Discuss employer's name","confidence_score":0.0015270568}]},{"text":"And then in regards to qualifications, because we don't have any listed, did you go to university for that? Is it mainly industry experience? Or Yeah.","start_word":1212,"end_word":1237,"intents":[{"intent":"Ask about job experience","confidence_score":0.024504384},{"intent":"Ask about job experience","confidence_score":0.051500194},{"intent":"Ask about job experience","confidence_score":0.08120424}]},{"text":"Is it mainly industry experience? Or Yeah.","start_word":1231,"end_word":1237,"intents":[{"intent":"Ask about company experience","confidence_score":0.0029870344}]},{"text":"And as far as the manager position, how long have you been doing that as opposed to, like, just the company in general?","start_word":1304,"end_word":1326,"intents":[{"intent":"Ask about previous management position","confidence_score":0.0004459105}]},{"text":"So my base is $1.55, and my well, with bonuses, the potential for that could be, like, about $1.85 or 90. Yep. I'll just put, like, conservative one eighty at the moment. Obviously, like I said, it does fluctuate a little bit. Now with that income increase there as well, are you managing to to save a bit more in terms of, like, what you're putting away? Yeah.","start_word":1425,"end_word":1492,"intents":[{"intent":"Calculate expenses","confidence_score":0.06468331}]},{"text":"So I have put, like, $30 into just different shares just so I've got some sort of investment going there. They seem to be going okay.","start_word":2100,"end_word":2125,"intents":[{"intent":"Manage investment portfolio","confidence_score":0.0028229484}]},{"text":"So, like, even sort of potentially, like, refinancing on your current loan to be able to draw down and then making it the investment versus, like and then using that to purchase and build or buy your your new home.","start_word":2482,"end_word":2521,"intents":[{"intent":"Align lending options","confidence_score":0.000010542623}]},{"text":"when it comes to estates and settling estates, you'd be surprised how messy they get even with the the most close knit of families.","start_word":3351,"end_word":3374,"intents":[{"intent":"Address estate matters","confidence_score":0.001479382}]},{"text":"Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there.","start_word":3828,"end_word":3860,"intents":[{"intent":"Assess risk tolerance","confidence_score":0.013864861}]},{"text":"So I think even the, like, the suite that you guys set up for me, it's in, like, a high grow high risk sort of portfolio. Yeah. Yep.","start_word":3896,"end_word":3923,"intents":[{"intent":"Evaluate portfolio investment","confidence_score":0.02210681}]},{"text":"From a health perspective or a financial perspective?","start_word":4270,"end_word":4277,"intents":[{"intent":"Analyze financial perspectives","confidence_score":0.075218104}]},{"text":"Now they were done for not reporting correctly, and as a result, were put on a trading hold. It caused Benelon to have to reevaluate that stock. The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth.","start_word":4588,"end_word":4634,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.008132651}]},{"text":"Now in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update.","start_word":4712,"end_word":4741,"intents":[{"intent":"Review investments","confidence_score":0.630313}]},{"text":"You aim to track the indexes. Now I'm not too sure how much you've sort of looked into the the share market and things like that. So an index basically tracks like a portion or an industry. So the S and P 500 tracks the top 500 companies in America, Yeah.","start_word":4896,"end_word":4946,"intents":[{"intent":"Track indexes","confidence_score":0.12539728}]},{"text":"They try and find value in the market, whether that be, you know, based on the company share holdings of the market, how they're performing in terms of income and profit shares.","start_word":4966,"end_word":4997,"intents":[{"intent":"Find value in market","confidence_score":0.10917003}]},{"text":"try and outperform the market, which does come at a higher cost than when they don't do too well like Benelung.","start_word":5020,"end_word":5040,"intents":[{"intent":"Outperform market","confidence_score":0.27720702}]},{"text":"Now so we can either look to to change that up a little bit in terms of looking at another active alternative for that and maybe sort of adjusting the weighting.","start_word":5058,"end_word":5088,"intents":[{"intent":"Change asset weight","confidence_score":0.0012841378}]},{"text":"I Or think we I'd prefer to do that because I I do check this app kinda like on weekly basis, and I have noticed that there's a significant portion in Benelon. I think it's like a third of my portfolio. Yeah.","start_word":5111,"end_word":5152,"intents":[{"intent":"Check app","confidence_score":0.5399547},{"intent":"Discuss portfolio","confidence_score":0.02660432}]},{"text":"Is this something that you facilitate, or do I have to speak to someone else? Or No.","start_word":5296,"end_word":5312,"intents":[{"intent":"Facilitate changes","confidence_score":0.017639594}]},{"text":"As one of the advisers that what I'll do basically from this, I'll get some notes started. They'll do the research, and they'll look at updating that. mhmm.","start_word":5313,"end_word":5340,"intents":[{"intent":"Conduct research","confidence_score":0.1402869}]},{"text":"Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense. Yeah.","start_word":5489,"end_word":5523,"intents":[{"intent":"Update portfolio","confidence_score":0.10270818}]},{"text":"Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit.","start_word":5526,"end_word":5555,"intents":[{"intent":"Send documents","confidence_score":0.6615057}]},{"text":"In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits. Where it's at previously would just be redacted, and we'll just have it on the one nice form.","start_word":5588,"end_word":5631,"intents":[{"intent":"Update form","confidence_score":0.24670252},{"intent":"Update form","confidence_score":0.25251806},{"intent":"Update form","confidence_score":0.19285463},{"intent":"Update form","confidence_score":0.0266027}]},{"text":"Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate.","start_word":5772,"end_word":5789,"intents":[{"intent":"Discuss annual fees","confidence_score":0.027008971},{"intent":"Provide update","confidence_score":0.02115788}]},{"text":"Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate. I believe Mhmm.","start_word":5772,"end_word":5792,"intents":[{"intent":"Provide estimate","confidence_score":0.00015660495}]},{"text":"less, which is fantastic. Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover. Mhmm.","start_word":5861,"end_word":5895,"intents":[{"intent":"Reminder","confidence_score":0.0000010719244}]},{"text":"then with that as well, your benefit period is all up to the age of 65. So it's quite a comprehensive in terms of the benefit period.","start_word":6067,"end_word":6093,"intents":[{"intent":"Discuss benefit period","confidence_score":0.001409478}]},{"text":"No. I've never heard of that. Okay.","start_word":6197,"end_word":6203,"intents":[{"intent":"Express frustration about insurance coverage","confidence_score":2.9378405e-8}]},{"text":"If you do wanna review your insurances now, we can have a look at that. Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date.","start_word":6549,"end_word":6586,"intents":[{"intent":"Review insurances","confidence_score":0.21299683}]},{"text":"Because in terms of the life and total permanent disability, it's more than adequate for your level of debt. Your income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue. You don't have to cover for 70% of your income. That's just the maximum you can cover for, if that makes sense as well. Yeah.","start_word":6602,"end_word":6674,"intents":[{"intent":"Discuss coverage options","confidence_score":0.022852547}]},{"text":"If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection. Your policy Mhmm.","start_word":6705,"end_word":6742,"intents":[{"intent":"Discuss future events","confidence_score":0.09617442}]},{"text":"reviews in April, the April 12, within thirty days of that renewal there, you can look at doing those future event increases. So you could even look to do, like, a 15% increase of the income protection just to bump that up just a little bit. Mhmm.","start_word":6743,"end_word":6789,"intents":[{"intent":"Discuss future increases","confidence_score":0.16172922},{"intent":"Discuss future increases","confidence_score":0.15849629}]},{"text":"A few other outstanding there's as well. Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well.","start_word":6903,"end_word":6935,"intents":[{"intent":"Provide update","confidence_score":0.0036273731}]},{"text":"Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well.","start_word":6910,"end_word":6935,"intents":[{"intent":"Update id","confidence_score":0.2622198}]},{"text":"You did get due to the time that has elapsed within your last interview and now, a bit of a discount there. We're not gonna retroactively try and back pay any of those fees. It just means you got a bit of that discount. And Okay.","start_word":7095,"end_word":7140,"intents":[{"intent":"Congratulate on previous interview","confidence_score":0.000084932355}]},{"text":"I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus. Yeah. Cool. Okay. No problem. But in regards to anything else that you wanted to discuss there at all, Dominic, or any questions you had, is there anything I haven't covered that you wanna have a chat about? No.","start_word":7165,"end_word":7223,"intents":[{"intent":"Discuss debt","confidence_score":0.03582328}]},{"text":"As I said, I'll get a start on just that, like, investment review there for you.","start_word":7238,"end_word":7253,"intents":[{"intent":"Discuss investment review","confidence_score":0.38025653}]},{"text":"even probably review just your account as well in general to see if there's maybe a better super fund as well given the time elapsed and time since you've been on board Yep.","start_word":7256,"end_word":7288,"intents":[{"intent":"Review account","confidence_score":0.35367644},{"intent":"Review account","confidence_score":0.12672807}]},{"text":"Obviously, you're quite good with your money, and Mhmm. you don't really need to be doing a budget with this or anything like that and, you know, monitoring your debt.","start_word":7321,"end_word":7350,"intents":[{"intent":"Update financial plan","confidence_score":0.0001441629}]},{"text":"A good tool, though, is your Money Smart calculator. I'm not Mhmm. sure if you played around on that or not, but you can jump on there and just punch in your sort of loan details, how much you've got left, what you're looking to sort of pay off, and in what time frames, and it can really sort of give you Mhmm. some some mark to hit.","start_word":7351,"end_word":7418,"intents":[{"intent":"Discuss loan details","confidence_score":0.15048698}]},{"text":"Is that what it's MoneySmart mortgage calculator, it's quite a good little tool. It's got a few calculators called? on there. But, Oh, yeah, okay. definitely jump on, have a play around with it.","start_word":7472,"end_word":7505,"intents":[{"intent":"Play with calculators","confidence_score":0.0029670515}]}]},"sentiments":{"segments":[{"text":"Hello. Dominic speaking. Good afternoon, Dominic. How's it It's going, Dominic? Carl calling from from Oakview Financial in regards to your annual review. Hey, mate. How's it going? Yeah. Is Not now too bad.","start_word":0,"end_word":33,"sentiment":"neutral","sentiment_score":0.15962252020835876},{"text":"is now still a good time for you?","start_word":34,"end_word":41,"sentiment":"positive","sentiment_score":0.35828351974487305},{"text":"Yeah.","start_word":42,"end_word":42,"sentiment":"neutral","sentiment_score":0.28999441862106323},{"text":"Now I'm fine. Brilliant.","start_word":43,"end_word":46,"sentiment":"positive","sentiment_score":0.5123077034950256},{"text":"Now just to get started on that one, Dominic, if I could just pass you security with that name, date of birth, and current address, we can get stuck into that one today. Yeah. I'm driving. Dominic Naled, 08/10/1995, and 1 Farrier Place, Mount Barker.","start_word":47,"end_word":91,"sentiment":"neutral","sentiment_score":0.15657097101211548},{"text":"Great. Thanks for that one, Dominic.","start_word":92,"end_word":97,"sentiment":"positive","sentiment_score":0.5935141444206238},{"text":"Now I don't believe we've spoken previously, sir. As I said, my name is Carl. I'm one of the financial advisers here at OQ Financial. Mhmm. If you do wanna know a little bit more about me, you can go on the website and see a pretty picture and know a little bit more about myself. And, also, there's been a few business updates with OQ Financial there as well. So they do have a new ongoing financial services guide and ongoing services guide there as well. And I'll be sending those out there with January of your documents just for you to better have a peruse of in your your own time if you'd like. Okay. All all largely unchanged to just a few business updates as they're sort of growing and getting a bit bigger. Just a business changes, which is partly why you sort of end your reviews taken as long as it has to sort of come around. So I do apologize for the wait on that one. No. It's okay. That's fine.","start_word":98,"end_word":274,"sentiment":"neutral","sentiment_score":0.017530839890241623},{"text":"Perfect.","start_word":275,"end_word":275,"sentiment":"positive","sentiment_score":0.36635902523994446},{"text":"Now I know you've done a few of these before there, Dominic. So what I'll do is I'll just run through and confirm a few of those details on your fax line again. I'll also run through a quick risk profile to see how that compares to what we've currently got you in, and then I'll also send out those documents, have a bit of conversation how things have gone the last twelve months and maybe few updates that need addressing as well. Mhmm. Mhmm. Make dollars.","start_word":276,"end_word":362,"sentiment":"neutral","sentiment_score":0.08309712710565534},{"text":"Perfect.","start_word":363,"end_word":363,"sentiment":"positive","sentiment_score":0.41017913818359375},{"text":"Now you did say address unchanged. Email still Dominic. I'm gonna butcher your last name there. So Now at it's Hotmail. at hot mail dot com. Exactly.","start_word":364,"end_word":390,"sentiment":"neutral","sentiment_score":0.07269226759672165},{"text":"Perfect.","start_word":391,"end_word":391,"sentiment":"positive","sentiment_score":0.5280541181564331},{"text":"And I know you're engaged to Danielle the last time we spoke. Have you managed to to tie the knot yet? How's that going? We we will be getting married in October this year.","start_word":392,"end_word":425,"sentiment":"neutral","sentiment_score":0.18384632468223572},{"text":"October. Very exciting.","start_word":426,"end_word":428,"sentiment":"positive","sentiment_score":0.4829356372356415},{"text":"Sure. A bit of an expense as well, but, you know, it all comes with the game. Yeah. Yeah. We're doing it a little bit differently. We're doing it across, like, two different weekends.","start_word":429,"end_word":462,"sentiment":"neutral","sentiment_score":-0.1430780440568924},{"text":"So it's not gonna be, like, super, super expensive, not like a $100 or anything like that, but still enough to make the bank account feel a little bit sad.","start_word":463,"end_word":492,"sentiment":"negative","sentiment_score":-0.42553049325942993},{"text":"Yep. Yep. Definitely. Now I don't have a next of kin contact there for Danielle. Is there a chance that you wanted to put that down in terms that we couldn't reach you for whatever reason? Yeah. You can put Danielle down. Yep. Yep. And her number was 0401 yep. 031 Yep. 855. 855. Perfect. And then in regards to dependents, still no dependents at the moment? Maybe maybe in the future on the on the cards. No. Yeah. Maybe. Hopefully, not too soon, though. Yeah. Exactly. Yes. Another expense, unfortunately. And I do believe, Danielle, she is a client with us as well. Correct? Yeah. I when I joined up with you guys, I got her to come across as well. Yeah. Perfect. Obviously, you know, just in saying that I can't just sort of chuck her details on, which is why why I asked. Did you guys don't have an ETPA on file or, like, external third party authority to talk about each other's accounts? I can't exactly just disclose her details as weird as that does sound even though you're engaged and about No. to be No. married. I understand. I work in insurance, so that's fine. Perfect. Now in regards to your role, I know you were a business development manager and you moved to a corporate sponsorship manager. Is that correct, or have you changed roles since then? Yeah. It was corporate partnerships manager. Now I've just had a title change where it's national partnerships manager.","start_word":493,"end_word":743,"sentiment":"neutral","sentiment_score":-0.09276340483313064},{"text":"Oh, perfect.","start_word":744,"end_word":745,"sentiment":"positive","sentiment_score":0.37199515104293823},{"text":"And with that, has that changed your role and sort of what you do? Not really. It's still, like, essentially business development, but I look after our corporate accounts as well. So just like our key corporate clients. Yep. Does that involve any sort of travel at the moment? Yeah. I typically travel to, like, Melbourne, Sydney, Brisbane, Perth. I usually like, once a month, I'll be traveling somewhere. Yep.","start_word":746,"end_word":815,"sentiment":"neutral","sentiment_score":0.05809495970606804},{"text":"Perfect.","start_word":816,"end_word":816,"sentiment":"positive","sentiment_score":0.4449655413627625},{"text":"And so as far as your role is concerned, how much is, like, sort of on the role? I know you said about sort of once a month you were sort of traveling, so still about, like, 80% just home based and then 20% doing those trips? Yeah. Pretty much. We've run office in Adelaide, but most of our clients are based interstate, so I'm predominantly working from home when I'm not interstate. Okay. Yep. Understandable. So you don't even go into the office too much. You mainly work from home? I've I've gone into the office maybe, like, once a week, like, just to stay in touch with the team there. But, yeah, I don't really have, like, too much of a need to go in. It's more so just the social factor. Yeah. Okay. So generally sort of spending at least 70% of the time really at home when you are sort of Yeah. Yep. really and what's your sort of average work week look like in terms of hours at the moment? Well, salary for thirty eight fluctuates depending on, like, how busy you are, but well, I don't know. Probably average about, like, forty five hours, I'd say. But my role is very much like, you know, a client could call me at any time. So I'm, you know, really responsive or I might have an opportunity to get in with a new potential lead. So, you know, you work a little bit extra hours to get that over the line. So, yeah, it just sort of fluctuates. Yeah. And with that sort of like a bit of an honorary sort of time and lose system where if you work a bit longer, you can maybe come in a bit later, things like that as well. Yeah. So, like, I don't know. If I'm traveling interstate and I'd I'd have to come back on, like, a weekend, then, like, I can always, yeah, just have, like, a day off in lieu. So it works for that. But we don't have, like, you know, strict. You start at this time, finish at this time. You just have to get the work done.","start_word":817,"end_word":1181,"sentiment":"neutral","sentiment_score":0.05792849955901708},{"text":"Perfect.","start_word":1182,"end_word":1182,"sentiment":"positive","sentiment_score":0.5909126996994019},{"text":"And as far as the employer's name, I don't believe we've got that on file. So what was that, if you don't mind me asking? Rehab management? Okay.","start_word":1183,"end_word":1210,"sentiment":"neutral","sentiment_score":0.09481848776340485},{"text":"Perfect.","start_word":1211,"end_word":1211,"sentiment":"positive","sentiment_score":0.3687262237071991},{"text":"And then in regards to qualifications, because we don't have any listed, did you go to university for that? Is it mainly industry experience? Or Yeah. I did go to uni, so I've got a bachelor's of clinical exercise physiology. And how long have you been in your sort of main role now versus, like, industry experience? I've been like, we've rehab management for, like, it will be eight years in October. I don't know. I finished uni, like, nine years ago or something like that. So, yeah, something like that. Perfect. And as far as the manager position, how long have you been doing that as opposed to, like, just the company in general? I've been a manager. I was like a I was an operations manager for, like, maybe, like, two years or three years, and I've been, like, a a business development manager or, like, a partnerships manager for, like, the last three and a half years. So what's that like? Maybe about four and a half years of management roles? And as far as your income's concerned, I know you're on a base about $1. 25 and then with bonuses sitting around the $1.45. Is that similar, or has that had a little bit of a bump up? Yeah. So my base is $1.55, and my well, with bonuses, the potential for that could be, like, about $1.85 or 90. Yep. I'll just put, like, conservative one eighty at the moment. Obviously, like I said, it does fluctuate a little bit. Now with that income increase there as well, are you managing to to save a bit more in terms of, like, what you're putting away? Yeah. So I started sacrifice a little bit, but I also yeah. I've put money into savings. Well, I I've put most of my money into an offset account. Yeah. Just offset the mortgage a bit.","start_word":1212,"end_word":1526,"sentiment":"neutral","sentiment_score":0.09297642335295678},{"text":"Perfect.","start_word":1527,"end_word":1527,"sentiment":"positive","sentiment_score":0.5957193970680237},{"text":"And then so at the moment, sort of, what's your amount are you really trying to put away each week to your offset or, like, savings in general? I like, literally, all my money sits in offset. So the reason I did that was I previously had it in, like, a personal savings account. But then because I had so much interest accrued, I end up having a pretty decent tax bill, Yep.","start_word":1528,"end_word":1600,"sentiment":"neutral","sentiment_score":0.07603444159030914},{"text":"which seemed a bit counterproductive. So I've just dumped all my cash into the offset.","start_word":1601,"end_word":1615,"sentiment":"negative","sentiment_score":-0.4156624674797058},{"text":"So yeah. But I I let me show you on page that goes into the offset. Yep. And on a weekly amount, how much is sort of going into that? Sorry. I get paid fortnightly, so it's usually, like, 4,400 after tax. So, yeah, that just goes straight into my offset, and then I just pay bills out of that. Yep. And roughly, what's your sort of outgoing is looking like at the moment? There is just sort of, like, paying for things for the wedding. Like, Yep. a fair bit comes out of it. I also pay everything by credit card just because we, like, fly a bit as well. So I I would always pay it off each month, so I don't pay any interest on it. But Just to get the points and things like that? yeah. Yeah. So I think I've got, like, 700,000 points or something at the moment. But, yeah, I don't know. Of that 4,400, maybe, like, at the moment, probably two and a half of that goes out for, like, bills and wedding stuff. And currently, like you said, you paid off each week, but what's the limit on your credit card, if you don't mind me asking? Yeah. So my AMX is, like, $23, and then I've got a Mastercard as well just, you know because not all places take AMX. So I think that's, like, 15,000. Yep. And, like, apart from sort of just general expenses, there's nothing really owing on those? No. No. Like I said, every month I pay it off.","start_word":1616,"end_word":1878,"sentiment":"neutral","sentiment_score":0.08997194279169402},{"text":"Perfect.","start_word":1879,"end_word":1879,"sentiment":"positive","sentiment_score":0.5300027132034302},{"text":"And then as far as the money sitting in the offset, how much have you got sitting in the offset at the moment? And my offset would be about $80.","start_word":1880,"end_word":1909,"sentiment":"neutral","sentiment_score":0.1032133400440216},{"text":"Perfect.","start_word":1910,"end_word":1910,"sentiment":"positive","sentiment_score":0.48837071657180786},{"text":"And Then do I think you have a separate savings account as well? yeah. Separate savings, but there's literally not a cent in there. Yes. Not a problem. I do have a redraw account that's connected to that account. To the the offset? Yeah. So there's, like, a redraw from the actual line, which has got, like, a 130 k in So it. well and Yeah. above Yeah. ahead on So your your current my mortgage? intention is to have it paid off in, like, three years.","start_word":1911,"end_word":1997,"sentiment":"neutral","sentiment_score":0.08614593744277954},{"text":"And then, yeah, I fully just, like, enjoy life a little bit more.","start_word":1998,"end_word":2010,"sentiment":"positive","sentiment_score":0.3976355493068695},{"text":"Yep.","start_word":2011,"end_word":2011,"sentiment":"neutral","sentiment_score":0.265366792678833},{"text":"Perfect.","start_word":2012,"end_word":2012,"sentiment":"positive","sentiment_score":0.5076049566268921},{"text":"Now with the I know you were gonna look at, you know, potentially looking at investment property, things like that later down the track. Is that something that you sort of wanna start pursuing given that you've got a little bit of equity back in the home now and especially a bit more with the, you know, a bit of savings in the offset as Yeah. well? Yeah. Potentially. I we kinda put it on hold a little bit just because of, like, the wedding. So I have put, like, $30 into just different shares just so I've got some sort of investment going there.","start_word":2013,"end_word":2117,"sentiment":"neutral","sentiment_score":0.1739775361049743},{"text":"They seem to be going okay.","start_word":2118,"end_word":2123,"sentiment":"positive","sentiment_score":0.4807403087615967},{"text":"But, yeah, my my game plan is to get married this year and then next year just leverage up equity of the property to get either a smaller unit or to build a forever home and then just rent out this property. But, yeah, we'll see. Now something that I do see quite regularly, which is something just to be aware of, if you just go to your bank for the loans and stuff, because it is quite easy to go with the banks that you do already have the loans through, Mhmm. Interest earned on investment property is a deduction. Interest earned on primary residences is not. So say if you pay off this home fully, you take out a new loan and the loan solely against the new PPR, then you're not getting a deduction for the interest versus having, you know, a loan still attached to what becomes your investment property versus the what would be your primary residence. So you do get that allowable deduction because of, like, the investment structure and the way things are in Australia at the moment. A Uh-huh. 100% of interest on investment properties still is a deduction. I don't know what they'll change, but they're talking about capital gains changing and things like that with investments and investment properties. Okay. Yeah. Okay. So what you you're actually better off to life purchase or build an investment property and then just, yeah, use that as your investment and not necessarily, like, have your forever home and rent out your other one, if that makes sense? There's there's multiple ways to do it. Obviously, it's more of a mortgage broker space and how to structure that as opposed to just, like, going to your bank. That's why I was just giving you the fore forewarning. We can refer you on to a few partners here that we do work with, and they'll tell you the best way of sort of structuring it. Now No. That's okay. I do have a broker that yeah. assists you with this loan. So Okay. Yeah. yeah. Not a not a problem. Yeah. So, like, even sort of potentially, like, refinancing on your current loan to be able to draw down and then making it the investment versus, like and then using that to purchase and build or buy your your new home. And then, obviously, you get a split loan or majority of the loan attached to what is now your investment property. So all things just to be mindful of. Obviously, if you're using a broker, it's sort of they're likely to tell you the same sort of thing and structure it for you versus, Uh-huh. like, if you just went down to your bank that your current loan's with and be like, I wanna refinance and buy or whatever, then the likelihood that they tell you the best way to do it is quite slim. If they're getting the loan, they don't really care whether or not you're getting a tax deduction, whereas a broker is a bit more friendly to make it Yeah. work a bit harder for you. Yeah. I can. Just something to be mindful of there. Mhmm. Perfect. In regards to your HECS debt, have you managed to fully wipe that one off? Yeah. A couple years ago. Perfect. I just had that sort of lingering now. I wasn't sure if that was paid off or not. Car worth around the 35. Obviously, a bit of depreciation, but that's probably, you know, similar ish. Yes. It's got like a fair bit of case on it now. Probably be sitting around maybe 25, I'd say. Yep. And then with your primary residence currently, how much do you reckon that's worth with the current market versus how much you have left owing on that one? So we actually got it valued by a couple of real estate agents Yep. early this year. So the evaluation, like, on average was between, like, I think it was, like, $8.60 or, like, $9.50 or very between three of the agents. Okay. In terms of how much it's owing, I'm actually in my app at the moment. So I've got 320,000 owing.","start_word":2124,"end_word":2829,"sentiment":"neutral","sentiment_score":-0.012537742503219556},{"text":"Perfect.","start_word":2830,"end_word":2830,"sentiment":"positive","sentiment_score":0.3809805512428284},{"text":"And then as far as any other assets that we're not sort of made aware of currently, is there anything else that you've got that we're not aware of? Any caravans, campers, things like that? No. Nothing like that. Perfect. And so if you've answered these on previously, they've just obviously beefed out the workbook a little bit, but you haven't declared bankruptcy or entered a part nine debt agreement before? No. Right. And then as far as health concern for the year, largely well, not smoking, still no Yeah. medications, No. no injuries.","start_word":2831,"end_word":2924,"sentiment":"neutral","sentiment_score":0.007990388199687004},{"text":"Brilliant.","start_word":2925,"end_word":2925,"sentiment":"positive","sentiment_score":0.4205748736858368},{"text":"No. That's all good. And have you looked at sort of private health, or do you have any private health currently? Yeah. They have private health. Is that just hospitals and extras or just extras? Hospital and extras. I mean, was that just once you hit 30, you're like, I better get that so I'm not paying the additional? Yeah. I think I I've had it for a couple of years now. I think it was just oh, after you earn, like, 90 k or something, they start slugging you a levy, so I think I just got it since then. Yeah. So, obviously, either Medicare levy is one thing. And then also, if you don't have it, not a lot of people know before the age of, like, 30 or turning your 30 birthday. Basically, the cost of purchasing private health insurance goes up with that. You get, like, slap with a percentage on top of that, which is like, which is stupid because they still want people to get private health.","start_word":2926,"end_word":3098,"sentiment":"neutral","sentiment_score":-0.1318686604499817},{"text":"But every year after the age of 30, it's sort of disincentivizing people that don't have it to get it because you pay more of a premium.","start_word":3099,"end_word":3125,"sentiment":"negative","sentiment_score":-0.3664500415325165},{"text":"Yeah. And Yeah. Yeah. that and that does stay there for for ten years. Like, if you were to sort of get at the age of 32, you're still paying that for another ten years of that loading until it goes away, Oh, wow.","start_word":3126,"end_word":3169,"sentiment":"neutral","sentiment_score":-0.2181999832391739},{"text":"which That's which terrible. in my mind is not too fantastic.","start_word":3170,"end_word":3180,"sentiment":"negative","sentiment_score":-0.6675482988357544},{"text":"But, you know, it doesn't affect you because you've currently got it.","start_word":3181,"end_word":3192,"sentiment":"neutral","sentiment_score":0.0915147066116333},{"text":"It's fantastic.","start_word":3193,"end_word":3194,"sentiment":"positive","sentiment_score":0.7688273787498474},{"text":"And currently, I know you don't have a will in place, but, you know, the fact that you are getting married at the end of the year would void any wills you currently have anyway. So is Mhmm. that something you plan on doing after you get married? Or Yeah. I I think so. I think within, like, the next couple of years, we'll get a will. Yeah. Obviously, he's still young, so I'm not, like, overly concerned. But I did lose my dad to cancer a couple years ago, and my mom's getting a little bit older as well. So I helped her get her wheel sorted. So, yeah, it's on my mind. It's not something I completely avoided. Yeah. In saying that, like, obviously, it's a bit more, but no one's really wanna think about the worst case. Like you said, you're on the younger sides in Knockwood. Nothing does happen. But Yeah. when it comes to estates and settling estates, you'd be surprised how messy they get even with the the most close knit of families. In saying that, though, it's no point doing it before the marriage because marriage would nullify the will anyway. Uh-huh. So, yeah, after you get married, there's definitely sort of you should think about potentially getting getting Yeah. one. I got And as far as being a tax resident, you're not a tax resident for any other country or him. jurisdiction at the moment? No. Perfect. And then with in regards to this question, it's a little bit odd, but you're not politically exposed, or you don't have any friends or family in politics or yourself? No. That's random. Yeah. It's to do with, like, like, anti money laundering type deals and then also security risks. So not only do we have to be more mindful of politicians and where they receive their money from to, you know, combat if they were doing something dodgy, not to say that I've seen it in any circumstances. But then also, like, they have a lot more details online, so it's a lot easier to try and impersonate those people in politics. Okay.","start_word":3195,"end_word":3553,"sentiment":"neutral","sentiment_score":-0.13977432840381823},{"text":"But what what if I what if someone just lied to answering that question?","start_word":3554,"end_word":3567,"sentiment":"negative","sentiment_score":-0.42656034231185913},{"text":"It doesn't mean a whole heap. It just means we take if you, like, said yes, we just take a few extra precautions in terms of, like, your file, the security around your file being that you are, like, in that exposed Okay. sort of space as, like, someone in that. Yeah. And then also, we'd keep an eye if you're receiving any sort of lump random sums in regards to if I you came to me and said, I want to invest half $1,000,000 that I've just gotten out of thin air, Yep. then it would sort of ring some alarm bells that, you know, maybe getting some kickbacks. But as I said, Yeah. Fair enough. definitely have not seen it yet, but we just included anyway. Yeah.","start_word":3568,"end_word":3696,"sentiment":"neutral","sentiment_score":-0.02485347166657448},{"text":"Cool. Great.","start_word":3697,"end_word":3698,"sentiment":"positive","sentiment_score":0.5970810055732727},{"text":"And then as far as goals that you're working towards, obviously, the the wedding's the main thing there, potentially looking at an investment property, you know, in the next sort of couple of years. But is there anything else that you're sort of working towards? Mhmm. Not really. I just wanna, like, by the end of this year, I wanna be probably have the house sitting around, like, an extra maybe 30 or $40 paid off it. I kinda wanna Yep. get into, like, the $2.08, $2.09 mark with how much is left.","start_word":3699,"end_word":3791,"sentiment":"neutral","sentiment_score":0.1614689975976944},{"text":"Perfect.","start_word":3792,"end_word":3792,"sentiment":"positive","sentiment_score":0.6304898262023926},{"text":"And as far as anything else that you're sort of working towards, is there anything else that you're sort of trying to accomplish in the next sort of few years? No. Not really. Brilliant. Now as far as the next bit there, we're just gonna run through a quick risk profile just to make sure it's up to date in regards to your current risk tolerance there. So you've made direct shares, so I'll tick that box for you. And you're still investing for the long term. Obviously, you're on the younger side of things, so investing for the future. Yeah. Yeah. So I think even the, like, the suite that you guys set up for me, it's in, like, a high grow high risk sort of portfolio. Yeah. Yep.","start_word":3793,"end_word":3922,"sentiment":"neutral","sentiment_score":0.14653026931560956},{"text":"Definitely.","start_word":3923,"end_word":3923,"sentiment":"positive","sentiment_score":0.3845292925834656},{"text":"They're giving your age. You can weather those sort of dips in the market. Now in regards to risk in general, would you rate yourself as sort of a high risk taker or a very Yeah. high risk taker? Or I'd probably get somewhere in between. Depends yep. out, like, what I've got coming up. Like, like, with the wedding, for example, probably a little bit more conservative than I would be usually. Yep. Yeah. Sorry. To answer that question, probably somewhere in between. No. Understandable. And then in regards to, like, if you were to take on an investment, say, your share portfolio and then six months down the line just due to what's occurring, like, in the the markets in general, it dropped by 20%. You know? So there's another sort of world war breaking out. How do you think you'd react to that one? Would you still, you know, stay invested and hold that investment? Do you reckon you'd sort of look to to sell and be a bit more secure or maybe even chuck a bit more into the downturn? I I'd probably like oh, not the same, like, buy the dip almost. So, like, trying to dollar average it out better. So I'd yeah. Just by that depending on what the shares were, I'd probably just get more and accumulate more with the intention of them going up or going back up over time. Yep. But if I was, for example I don't know. If they were going really pear shaped and I needed money, like, you know, for the wedding or whatever, then I'd probably consider selling a portion of it. Not all of them, but a portion just to have cash there. Yep. Yeah. Again, depends on the circumstance. No. I completely understand that. And then in regards to, like, your performance over time, was you aiming for the higher performance? But with events like COVID and those sort of things that did occur, did that make you a little cautious at all at anything with that? What? From a health perspective or a financial perspective? Financials perspective in terms of, like, superannuation, obviously, took a bit of a hit and a bit of a Nah. backward step there. I I didn't really take any notice of it, to be honest. Yep. I didn't have Not a the problem. shares back then either, so I didn't really like yeah. It didn't really have too much of an impact for me. Bit out of sight out of mind. That's Yeah. fine. Yep. And in regards to taking out loans to invest, obviously, you've got the property and then potentially investment property down the future. But would you ever put borrowed money into things like a share portfolio once you sort of become a bit more secure and have a bit less debt associated with your property? No. Probably not. I I'd trigger, like, taking loans out for, like, property and, you know, brick and mortar. I wouldn't do it for shares. Nope. That's perfectly fine.","start_word":3924,"end_word":4434,"sentiment":"neutral","sentiment_score":-0.10874804221603968},{"text":"So it still does bring you out as a high growth investor, and that's Yep.","start_word":4435,"end_word":4449,"sentiment":"positive","sentiment_score":0.3675054907798767},{"text":"still about that ninetyten split, about 90% in, like, investing in growth assets, about 10% defensive, which is more than appropriate for your age there and Yep. sort of aiming for those longer returns over over time even though it does experience a little bit more volatility. Yep. Perfect. Now in regards to your current performance there as well, now I'm not too sure if you've looked at your super recently. It was doing quite well until sort of the end of last year with everything that has occurred in the last few months in the the political space there as well. Uh-huh. In addition to that one that hasn't really helped in regards to that is I'm not too sure if you've heard about Dentalong or its underlying investment that it has in corporate traveler.","start_word":4450,"end_word":4585,"sentiment":"neutral","sentiment_score":-0.000584829249419272},{"text":"Now they were done for not reporting correctly, and as a result, were put on a trading hold. It caused Benelon to have to reevaluate that stock.","start_word":4586,"end_word":4612,"sentiment":"negative","sentiment_score":-0.517522931098938},{"text":"The fund as itself got reevaluated in terms of, like, the price it was worth and the shares were worth.","start_word":4613,"end_word":4632,"sentiment":"neutral","sentiment_score":-0.2667124271392822},{"text":"And then also a bit of consumer confidence was lost in that, which did cause quite a backward step in See, regard I didn't know that.","start_word":4633,"end_word":4658,"sentiment":"negative","sentiment_score":-0.4709870517253876},{"text":"yeah. And then coupled with the wars that were not sort of full wars, but the conflicts that are going on, you know, Venezuela, Iran, in conjunction with that, the tech bubble has slightly corrected a little bit there as well. So it Mhmm. also in the one sort of space there. Now in terms of your investments as a whole, given the time on board, it's probably worth reviewing the investments just to see if there is a worth an update. I can let you know sort of as the result of Benelon and sort of at least the last year and a bit of their performance and how they have been managing coupled with that underlying investment.","start_word":4659,"end_word":4777,"sentiment":"neutral","sentiment_score":-0.07600632309913635},{"text":"They are sort of moving away from Bennelong.","start_word":4778,"end_word":4785,"sentiment":"negative","sentiment_score":-0.34297975897789},{"text":"Now Okay.","start_word":4786,"end_word":4787,"sentiment":"neutral","sentiment_score":-0.2081342786550522},{"text":"it is a bit of a a loss in terms of the Bennelong amount. Since in inception there, it, like, hasn't been doing too well.","start_word":4788,"end_word":4812,"sentiment":"negative","sentiment_score":-0.4635974168777466},{"text":"And given that it makes up, like, a good portion of your portfolio, given that you're in one of those older portfolios that did go a little bit more aggressive in those actively managed funds to pull that higher growth and that higher risk, we'd be looking to either reproduce that slightly just with everything going on in terms of the active management, or you can look to go fully, like, passive in your investments, which does come at a lower cost. You aim to track the indexes. Now I'm not too sure how much you've sort of looked into the the share market and things like that. So an index basically tracks like a portion or an industry. So the S and P 500 tracks the top 500 companies in America, Yeah. whereas Or like the ASX 200. Yeah. Yep. exactly whereas the the actively managed funds basically pick winners.","start_word":4813,"end_word":4963,"sentiment":"neutral","sentiment_score":-0.04334519803524017},{"text":"They try and find value in the market, whether that be, you know, based on the company share holdings of the market, how they're performing in terms of income and profit shares.","start_word":4964,"end_word":4995,"sentiment":"positive","sentiment_score":0.35590359568595886},{"text":"It just depends on what the fund manager is obviously doing in terms of what they're looking for in the market to Mhmm. try and outperform the market, which does come at a higher cost than when they don't do too well like Benelung.","start_word":4996,"end_word":5039,"sentiment":"neutral","sentiment_score":-0.012612346559762956},{"text":"And given that it is a significant portion of your portfolio, it doesn't turn out too well.","start_word":5040,"end_word":5056,"sentiment":"negative","sentiment_score":-0.3850096464157105},{"text":"Now so we can either look to to change that up a little bit in terms of looking at another active alternative for that and maybe sort of adjusting the weighting. So when things like this do occur, they don't affect your balance as much as it has the last year. Yep. Yeah. I Or think we I'd prefer to do that because I I do check this app kinda like on weekly basis, and I have noticed that there's a significant portion in Benelon. I think it's like a third of my portfolio. Yeah. It was around the 30%. Obviously, I can't sorta explain why that was chosen in the first place because I wasn't the adviser to do it, and it was quite some time ago. I wasn't Mhmm. even at the company back then as a business, obviously, in the conversation you have with your adviser in terms of the level of risk you were willing to take at that time led to the higher allocation to that actively managed fund. But myself, I'd rather have, like, it be more of a satellite where it sits around the sort of 10 to 15% even that when it does have bad years, like, within the actively managed portion, that it doesn't significantly affect your portfolio Yep. as it has Yeah. now. So, yeah, I I would be more than happy to make a change on that. Is this something that you facilitate, or do I have to speak to someone else? Or No. As one of the advisers that what I'll do basically from this, I'll get some notes started. They'll do the research, and they'll look at updating that. mhmm. And then from there, just given the few business changes, everything, there's a bit of a backlog for one. We will sort of look at doing it as quick as possible. Given that and that you've already sort of experienced that huge 20% dip that did occur with Benelon around that November mark, if anything, we're hoping that, you know, within that time frame, it does recruit some of that. But there's no sort of conviction moving forward with Benelon that it will sort of recover a significant raise to make it worth holding it, if that makes sense. Yeah. Yeah. I gotcha. Yeah. Because, obviously, the like, the cardinal sin is basically sell low by high, but in terms of, like, if you don't believe in the investment, sometimes holding it and flogging that dead horse isn't worth it at the end of the day as well. Now those losses would go towards offsetting the gains that you've previously experienced within the portfolio and then help, obviously, with any CGT consequences with an update in your portfolio, if that makes sense. Yeah. Okay.","start_word":5057,"end_word":5523,"sentiment":"neutral","sentiment_score":-0.028926476213993305},{"text":"Perfect.","start_word":5524,"end_word":5524,"sentiment":"positive","sentiment_score":0.4377361536026001},{"text":"Another thing that I did wanna touch on there quickly, I should probably actually send you your documents there before I forget because it's rattling on there a little bit. So this will just be going to that email I stated earlier there. And I'll just have a copy of your ongoing service agreement, a tax file opt in form as well. In that one there, we do hold a copy of your tax file number on file, but we've just changed the form on where that sits. Where it's at previously would just be redacted, and we'll just have it on the one nice form. In the event that ever you did leave, then your tax file number is just in that one spot. Mhmm. In addition to that, you will have a copy of, you know, the new CV of currency for insurances, performance report for last twelve months, the new services guide and financial services guide. You'll have a little Vanguard chart to show you those tips and everything in the market over that twenty to thirty year period there as well. So I'll just send that quickly before I forget. If you do have any questions after you go through those documents as well, feel free to give us a callback and, like, sort of if you're sort of unhappy with the ongoing service agreement or anything like that, feel free to give us a call, have Mhmm. a discussion around that. Obviously, we'll disclose the projected annual fees for the next twelve months as well at that 1.1 rate. I believe Mhmm. the update actually should probably check that for you. Bear with me two seconds. As an ongoing client with a partner on board, they have brought out a coupling fee. So yeah. And that has been applied to that new ongoing service agreement. So it drops from 1.65 down to the 1.1%, which is a bit of a bonus. Moving forward, you'll be charged that little bit Mhmm.","start_word":5525,"end_word":5859,"sentiment":"neutral","sentiment_score":0.07792595464235812},{"text":"less, which is fantastic.","start_word":5860,"end_word":5863,"sentiment":"positive","sentiment_score":0.4041677415370941},{"text":"Now as I said in regards to those insurances there, so you do currently have 1.161 in, like, mil in terms of, like, your life and total permanent disability cover. Mhmm. I did say that number a bit odd, apologies for that one. And as a monthly benefit, you have $7,621 as a monthly benefit. Now Mhmm. given your income increase, you could look at adjusting that and increasing that to where it covers around the 70% of your current income, which would mean reviewing your insurances as a whole. Or you could look to do what's called a life event increase, and you can increase cover up to, like, 25% or there's a flat amount. I can't remember off the top of my head for Clearview in terms of trying to get a bit closer to the monthly benefit that is 70% of your current income. Because 70% of even just your base salary of the $1.55 sits at a monthly benefit around 9,000. Now the the thing with that, obviously, is if you do increase that benefit monthly benefit amount, it obviously comes at a higher cost, and income protection is the more expensive portion of your cover. And Mhmm. then with that as well, your benefit period is all up to the age of 65. So it's quite a comprehensive in terms of the benefit period. So if you did wanna increase it to that 70%, you could also look at potentially adjusting the benefit period, maybe down to the five year mark. Because sometimes the likelihood if you're on a claim for five years, you may not ever return to work after that five years, if that makes sense as well. Mhmm. Okay. The other insurance you don't have currently, which I'm not too sure how much was talked about in the past there as well as trauma cover. Did they sort of do you remember trauma cover or the conversation surrounding that or what it covers for? No. I've never heard of that. Okay. Not a problem. So trauma cover is like a lump sum benefit. Similar to, like, total permanent disability, it is a lump sum payment. Now with in regards to that, it is paid out of pocket. It can't be paid through superannuation like your other insurances, but it kind of is the bridge gap between income protection and total permanent disability. Now it covers for traumatic events, things like heart attacks, strokes, and, obviously, it depends a little bit on the the PDF of the product and what the conditions list and how many they actually cover. But it covers for those events in life. Say, you had a stroke tomorrow and you're injured to where you can't work, but it's minor and you can go back to work, say, within a month, you might not get to claim on an income protection policy. You may be medically cleared to go back to work. You may not end up being totally permanently disabled from that, Whereas the trauma policy would still pay out because you met a condition of the release. It's less of the you're too injured or sick to be able to return to work or you're unable to ever return to work with total permanent disability. It just means if you cover that condition, it ticks a box, you get the payment, if that makes sense. Mhmm. Okay. So it can be one of the more claimed on insurances because, obviously, you know, if you get diagnosed with a type of cancer that can be cured sort of with the, you know, getting cut out or a bit of, you know, chemotherapy, there is well, you may still be having to work during that period because you're not sick enough to where you can't work, but then you're not getting any sort of payment, whereas that trauma insurance helps with that and sort of facilitating some time off work and then also, you know, some medical costs and things like that as well. Okay. Well, that's probably something to think about. Yep. If you do wanna review your insurances now, we can have a look at that. Or if you're happy sort of with the cover amount you have as well, you can sort of review at a later date. I don't wanna sort of put you on the spot and say review these now. Because in terms of the life and total permanent disability, it's more than adequate for your level of debt. Your income protection, as long as that can cover you, like, your mortgage and expenses, should you be injured and unable to work, then it's not really an issue. You don't have to cover for 70% of your income. That's just the maximum you can cover for, if that makes sense as well. Yeah. Okay. No. Look. I'm pretty comfortable in terms of, like, where our financials sit. So, Yep. yeah, we probably wouldn't make any changes at the moment.","start_word":5864,"end_word":6699,"sentiment":"neutral","sentiment_score":-0.013450647860823386},{"text":"That's more than fine.","start_word":6700,"end_word":6703,"sentiment":"positive","sentiment_score":0.33931025862693787},{"text":"If ever you did want to, also with things like property purchase, things like that, you can look at doing, like, the future events increases, like I said, with, like, the even the income protection. Your policy Mhmm. reviews in April, the April 12, within thirty days of that renewal there, you can look at doing those future event increases. So you could even look to do, like, a 15% increase of the income protection just to bump that up just a little bit. Mhmm. So feel free to to have a think about it if you do wanna at least bump up the inspection in terms of the monthly benefit amount or your life and TPD.","start_word":6704,"end_word":6820,"sentiment":"neutral","sentiment_score":0.22976715442461845},{"text":"That's your option between that with that life event increase and having your income jump up as well.","start_word":6821,"end_word":6838,"sentiment":"positive","sentiment_score":0.3451780378818512},{"text":"Yeah.","start_word":6839,"end_word":6839,"sentiment":"neutral","sentiment_score":0.28831225633621216},{"text":"Cool.","start_word":6840,"end_word":6840,"sentiment":"positive","sentiment_score":0.3764859437942505},{"text":"But, yeah, make sure if you do wanna do it, just give us a call before that that period. So April. If you ever think, you know, actually, I do want some more income protection. Feel free to give us a call because otherwise, you do have to go through underwriting, if that makes Okay. sense. Yeah. Okay. Not a problem. A few other outstanding there's as well. Currently, your ID on file has expired, so we do need to update that in terms of, like, updating advice and things like that as well. Make sure you're still live kicking in. You know, we're not providing advice to people's data states and things like that or getting a My fee. ID's expired. Really? As in, like, the one you provided originally back in 2022 has expired in terms of, like, you've probably renewed your license in that time frame, and the one that sits on file is expired, if that makes sense. Okay. So what do I do to update that? We can just shoot you an email. Do you provide a front and back copy of just your even a driver's license or a passport? Then Yep. we can just update that on file. We just hold on file, confirm it is a valid document, and then it just sits there and make sure that you're still alive and kicking in a real person. Yep. Okay. At the moment as well, in regards to your fees, they are currently off.","start_word":6841,"end_word":7091,"sentiment":"neutral","sentiment_score":0.015820825472474098},{"text":"So congratulations. You did get due to the time that has elapsed within your last interview and now, a bit of a discount there.","start_word":7092,"end_word":7115,"sentiment":"positive","sentiment_score":0.4174773395061493},{"text":"We're not gonna retroactively try and back pay any of those fees. It just means you got a bit of that discount. And Okay. then moving forward, you're paying in the 1.1 anyway.","start_word":7116,"end_word":7148,"sentiment":"neutral","sentiment_score":0.23920491337776184},{"text":"So happy days. You saved a little bit on adviser fees there as well.","start_word":7149,"end_word":7162,"sentiment":"positive","sentiment_score":0.545287013053894},{"text":"I mean, given what did occur in the last few months, it's probably, you know, a bit of a bonus.","start_word":7163,"end_word":7182,"sentiment":"neutral","sentiment_score":0.29758623242378235},{"text":"Yeah. Cool. Okay. No problem.","start_word":7183,"end_word":7187,"sentiment":"positive","sentiment_score":0.4344269931316376},{"text":"But in regards to anything else that you wanted to discuss there at all, Dominic, or any questions you had, is there anything I haven't covered that you wanna have a chat about? No.","start_word":7188,"end_word":7221,"sentiment":"neutral","sentiment_score":0.09639092534780502},{"text":"I'm I'm pretty, yeah, pretty happy for the time being. Not a problem at all.","start_word":7222,"end_word":7236,"sentiment":"positive","sentiment_score":0.42848700284957886},{"text":"As I said, I'll get a start on just that, like, investment review there for you. We'll Mhmm. even probably review just your account as well in general to see if there's maybe a better super fund as well given the time elapsed and time since you've been on board Yep. and see if that's worth updating as well. Otherwise, we'll leave everything else as sort of a count accountability partners in terms of, like, your future and what you're trying to achieve. Obviously, you're quite good with your money, and Mhmm. you don't really need to be doing a budget with this or anything like that and, you know, monitoring your debt. A good tool, though, is your Money Smart calculator. I'm not Mhmm. sure if you played around on that or not, but you can jump on there and just punch in your sort of loan details, how much you've got left, what you're looking to sort of pay off, and in what time frames, and it can really sort of give you Mhmm. some some mark to hit. Like you said, you wanna hit that sort of $2.82 90 mark. You could just sort of punch in what you currently got and where you're trying to get and sort of play around with the figures and see what you have to hit to make that sort of happen. Yeah. Okay. MoneySmart.","start_word":7237,"end_word":7470,"sentiment":"neutral","sentiment_score":0.15885686874389648},{"text":"Is that what it's MoneySmart mortgage calculator, it's quite a good little tool.","start_word":7471,"end_word":7483,"sentiment":"positive","sentiment_score":0.40229079127311707},{"text":"It's got a few calculators called? on there. But, Oh, yeah, okay.","start_word":7484,"end_word":7495,"sentiment":"neutral","sentiment_score":0.186289444565773},{"text":"definitely jump on, have a play around with it.","start_word":7496,"end_word":7504,"sentiment":"positive","sentiment_score":0.3484305739402771},{"text":"If you got any questions in regards to that, feel free to to give us a call as well. Yeah.","start_word":7505,"end_word":7524,"sentiment":"neutral","sentiment_score":0.13378043472766876},{"text":"Cool.","start_word":7525,"end_word":7525,"sentiment":"positive","sentiment_score":0.44805631041526794},{"text":"Yeah. It'll just come up as, like, mortgage calculator if you type in Money Smart mortgage calculator, and you can just punch in your details and away you go. Yeah.","start_word":7526,"end_word":7555,"sentiment":"neutral","sentiment_score":0.28062713146209717},{"text":"Cool. Alright. Brilliant.","start_word":7556,"end_word":7558,"sentiment":"positive","sentiment_score":0.5335180759429932},{"text":"And then as far as the size sacrifice, I didn't really touch on that, but you're happy just doing your 200 per month? You don't really wanna look at changing that or anything? No. I'm not at this stage. We've got a bit of change going on at work, so probably not making any significant changes with funding.","start_word":7559,"end_word":7616,"sentiment":"neutral","sentiment_score":-0.059983450919389725},{"text":"Perfect. With the income increase anyway, you're contributing a bit more, so happy Yeah.","start_word":7617,"end_word":7630,"sentiment":"positive","sentiment_score":0.3939119577407837},{"text":"days. Not a problem.","start_word":7631,"end_word":7634,"sentiment":"neutral","sentiment_score":0.22151055932044983},{"text":"Well, thanks for your time, Dominic.","start_word":7635,"end_word":7640,"sentiment":"positive","sentiment_score":0.5340824723243713},{"text":"I probably took up a little bit more time than you were expecting, but you enjoy No. the rest You're of the fine. afternoon.","start_word":7641,"end_word":7664,"sentiment":"neutral","sentiment_score":0.26673126220703125},{"text":"Awesome. Thanks, Cheers. mate. Appreciate it. No problem. I'll catch you later. Thanks. Cheers.","start_word":7665,"end_word":7678,"sentiment":"positive","sentiment_score":0.6274405121803284},{"text":"Bye. Bye.","start_word":7679,"end_word":7680,"sentiment":"neutral","sentiment_score":0.2850422263145447}],"average":{"sentiment":"neutral","sentiment_score":0.01500092104326826}}}}