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So where we're leaving off before, mate, is I was talking about making a change to the investments. You were saying you're not happy that it didn't grow this year, that kind of thing. That makes sense? Yeah. Yeah. And one of yeah. Yeah. So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off. So what we usually do is we go March, it's doing bad. I'm gonna put a flag, and we've already researched the option to switch it to. And then I go, hey, Anu. Mate, this has happened. I wanna change it to this. Are you okay with that? That's generally what we do. Yeah. Yeah. Like it did last year kind of thing. So no. That's that easy, easy fix. So part of my job in the review is to talk about the options for you, and then you can make a decision after we go through the options. If you're not satisfied, you don't have to sign on for the service. We can, you know, roll the super back, that kind of thing. But at the moment, I would love for you to be able to let me do that comparison and show you what we wanna put you into, and then you can make a decision from there if you're happy or not. And then I can help you from there either way. K? So don't sign any documents that we've sent you through today. I will do the comparison and show you what I'm thinking, and then you can say, yes, Tommy. Do this. No, Tommy. Move me back. Okay? So I'm not gonna I'm not gonna hold you down and then say, no. No. No. No. No. You have to stay. I wanna make sure that I do good by you and that you're happy with it. And if not, I can I can help you go where you need to? But just give me that chance to put down the options for you so you can see in writing, and then you can choose. Cool. I do have one question for you. So there's about 1,000 options. I found two. Do you have a preference between low fees or pay higher fees, get higher return? Can you choose between the two? This one's pay higher fees on that option that went down. So I was considering going to a low fee option. So the fee for that option is 0.9%, and the one I'm looking at is 0.2. I found a cheaper one. K? You don't have to so the difference is that if the Australian market goes 10%, well, if you're gonna pay an extra half a percent of fees, you wanna get an extra two, three percent return above the Australian market. But if you're paying the low fee one, it follows the market and does the 10% that the market did. And then the risk is if you pay the higher fees and they do a bad job, well, then you get less than the market. Yeah. So what I'm saying is within the super fund is I'm gonna fire one of the fund managers and switch them with somebody else, and I just wanna go more to the low fee guys because they're a bit more consistent. No. I think the Australian market, it went up 4%. Not too good for Australia. America was a lot higher. Yes. That's right. So the portion that's in Australia, that's the portion that did bad. The portion that's in America, that went up 12%. The gold went up 12%. All the other portions did fine. It was just the Australia portion that went down. I think about usually somewhere between 2040% is usually in Australia, about 40% international, and the rest is like gold and and other assets. K? So I'm thinking a little bit less in Australia and a different fund manager for lower fees, and I think that will bring it back up to about 12 to 14%. But I have to put it in the document for you to see first, though, because I've got to show you the difference and the projection and show you what it looks like. Yeah. Okay. Absolutely. Absolutely. So what I'll do is, again, don't sign anything today. I wanna show you the plan first. Now it's still in high growth, high returns. You don't want me to change the risk level, just fix up the options. Perfect. There haven't been any contributions going in yet, and we did talk last year about maybe doing every three months or something. Do you want me to just put zero contributions at the moment? Yep. And you didn't get that? Yeah. Yeah. Well, let me get Michelle to sort that out for you today. Yeah. Absolutely. Cool. Yeah. BPAY is probably easier. Yeah. Just the one. Yep. Alright. I'll get Michelle to do that today. For the projections, do you want me to put zero contributions for the next ten years, or do you want me to put, like, an estimate just so you can see what it looks like? $4. Easy done. Perfect. So $4 contributions, high growth, BPA details today. You sort out the beneficiary already, which is your partner and child on the super, so that's looking pretty good. Mate, how are you going with all the the work and property and everything at the moment? Are you still doing the truck driving? Yeah. And is it just ABN sole trader? You don't you haven't opened up a company now, have you? Perfect. Alright. Last couple of details I wanna update with you is one child married, a 100,000 for the income. Do you know what your tax return's looking like this year? Yep. And the house, 550,000, 400,000 owing. And car and a credit card. Awesome. Did you manage to put anything into savings? Oh, wow. Did you get a loan for that or just straight up 100,000? Right. 40,000 you put in and it's a $100,000 lent? Gotcha. Okay. Let me just put that in. So a 140,000, you put in the 40,000 and valued at 300, did you say? 450. Okay. And so did you just add a bit of a loan onto the mortgage, or is it separate? Separate. And that loan's for the difference or the $1.40? Yeah. No. That's fine. It's just to update the details. That's all good. Last question. Did you put a will in place? No. That's okay. I'll I'll include deliver reminder there. That's alright. Easy done. Okay. So mortgage is the focus. Business is the focus. Fix up the super. Let you have a look at that one. Anything else that's the main thing for you? Cool. I do wanna ask you one other question. I did a bit of a hunt around last year for you for the old life insurance, and it did not come out looking good, obviously, with the polycystic kidney disease and so on. There was a little bit of accident only life insurance, but it's not for any illness, only accident, you know, injury, car accident, things like that. Did you want me to just send you a quote for the we were talking about 500,000, a million of of life insurance. Do you wanna see what that looks like if it's, you know, a thousand bucks, 4,000 bucks, 100? No. It's only just if you pass away, lump sum. That's it. Yeah. No. Then it's straight on to Centrelink and things like that. Yeah. So it's not income protection. It's not disability. It's just life insurance. Not even cancer. The accident only ones are only for, like, injury. So if there's a disease, it's no. Yeah. It's probably the worst insurance you can get for life insurance, but it's the only one that you can get without any medical check. Yep. Do you want me to leave that as a no? Yeah. Look. I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's not very good. I can leave that alone. Cool. Alright, mate. Anything else I can help you with before I let you go? Yep. We'll get on to the BPA right now, and then I'll put that plan together. Michelle will give you a call once it's done just to book you in, and we'll go through it together. You're amazing, Anu. Anything else before I let you go, mate? Awesome. Mate, you know, you have a fantastic day, and I'll talk to you in about a week or two, Max. Thank you for calling back, mate. Talk to you soon. 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thank you for calling back, mate. Appreciate that. Have I caught you at work at the moment? Did I catch you at work, or are you are you free? Perfect.\n\nPerfect. So where we're leaving off before, mate, is I was talking about making a change to the investments. You were saying you're not happy that it didn't grow this year, that kind of thing. That makes sense? Yeah.\n\nYeah. And one of yeah. Yeah. So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off. So what we usually do is we go March, it's doing bad.\n\nI'm gonna put a flag, and we've already researched the option to switch it to. And then I go, hey, Anu. Mate, this has happened. I wanna change it to this. Are you okay with that?\n\nThat's generally what we do. Yeah. Yeah. Like it did last year kind of thing. So no.\n\nThat's that easy, easy fix. So part of my job in the review is to talk about the options for you, and then you can make a decision after we go through the options. If you're not satisfied, you don't have to sign on for the service. We can, you know, roll the super back, that kind of thing. But at the moment, I would love for you to be able to let me do that comparison and show you what we wanna put you into, and then you can make a decision from there if you're happy or not.\n\nAnd then I can help you from there either way. K? So don't sign any documents that we've sent you through today. I will do the comparison and show you what I'm thinking, and then you can say, yes, Tommy. Do this.\n\nNo, Tommy. Move me back. Okay? So I'm not gonna I'm not gonna hold you down and then say, no. No.\n\nNo. No. No. You have to stay. I wanna make sure that I do good by you and that you're happy with it.\n\nAnd if not, I can I can help you go where you need to? But just give me that chance to put down the options for you so you can see in writing, and then you can choose. Cool. I do have one question for you. So there's about 1,000 options.\n\nI found two. Do you have a preference between low fees or pay higher fees, get higher return? Can you choose between the two? This one's pay higher fees on that option that went down. So I was considering going to a low fee option.\n\nSo the fee for that option is 0.9%, and the one I'm looking at is 0.2. I found a cheaper one. K? You don't have to so the difference is that if the Australian market goes 10%, well, if you're gonna pay an extra half a percent of fees, you wanna get an extra two, three percent return above the Australian market. But if you're paying the low fee one, it follows the market and does the 10% that the market did.\n\nAnd then the risk is if you pay the higher fees and they do a bad job, well, then you get less than the market. Yeah. So what I'm saying is within the super fund is I'm gonna fire one of the fund managers and switch them with somebody else, and I just wanna go more to the low fee guys because they're a bit more consistent. No. I think the Australian market, it went up 4%.\n\nNot too good for Australia. America was a lot higher. Yes. That's right. So the portion that's in Australia, that's the portion that did bad.\n\nThe portion that's in America, that went up 12%. The gold went up 12%. All the other portions did fine. It was just the Australia portion that went down. I think about usually somewhere between 2040% is usually in Australia, about 40% international, and the rest is like gold and and other assets.\n\nK? So I'm thinking a little bit less in Australia and a different fund manager for lower fees, and I think that will bring it back up to about 12 to 14%. But I have to put it in the document for you to see first, though, because I've got to show you the difference and the projection and show you what it looks like. Yeah. Okay.\n\nAbsolutely. Absolutely. So what I'll do is, again, don't sign anything today. I wanna show you the plan first. Now it's still in high growth, high returns.\n\nYou don't want me to change the risk level, just fix up the options. Perfect. There haven't been any contributions going in yet, and we did talk last year about maybe doing every three months or something. Do you want me to just put zero contributions at the moment? Yep.\n\nAnd you didn't get that? Yeah. Yeah. Well, let me get Michelle to sort that out for you today. Yeah.\n\nAbsolutely. Cool. Yeah. BPAY is probably easier. Yeah.\n\nJust the one. Yep. Alright. I'll get Michelle to do that today. For the projections, do you want me to put zero contributions for the next ten years, or do you want me to put, like, an estimate just so you can see what it looks like?\n\n$4. Easy done. Perfect. So $4 contributions, high growth, BPA details today. You sort out the beneficiary already, which is your partner and child on the super, so that's looking pretty good.\n\nMate, how are you going with all the the work and property and everything at the moment? Are you still doing the truck driving? Yeah. And is it just ABN sole trader? You don't you haven't opened up a company now, have you?\n\nPerfect. Alright. Last couple of details I wanna update with you is one child married, a 100,000 for the income. Do you know what your tax return's looking like this year? Yep.\n\nAnd the house, 550,000, 400,000 owing. And car and a credit card. Awesome. Did you manage to put anything into savings? Oh, wow.\n\nDid you get a loan for that or just straight up 100,000? Right. 40,000 you put in and it's a $100,000 lent? Gotcha. Okay.\n\nLet me just put that in. So a 140,000, you put in the 40,000 and valued at 300, did you say? 450. Okay. And so did you just add a bit of a loan onto the mortgage, or is it separate?\n\nSeparate. And that loan's for the difference or the $1.40? Yeah. No. That's fine.\n\nIt's just to update the details. That's all good. Last question. Did you put a will in place? No.\n\nThat's okay. I'll I'll include deliver reminder there. That's alright. Easy done. Okay.\n\nSo mortgage is the focus. Business is the focus. Fix up the super. Let you have a look at that one. Anything else that's the main thing for you?\n\nCool. I do wanna ask you one other question. I did a bit of a hunt around last year for you for the old life insurance, and it did not come out looking good, obviously, with the polycystic kidney disease and so on. There was a little bit of accident only life insurance, but it's not for any illness, only accident, you know, injury, car accident, things like that. Did you want me to just send you a quote for the we were talking about 500,000, a million of of life insurance.\n\nDo you wanna see what that looks like if it's, you know, a thousand bucks, 4,000 bucks, 100? No. It's only just if you pass away, lump sum. That's it. Yeah.\n\nNo. Then it's straight on to Centrelink and things like that. Yeah. So it's not income protection. It's not disability.\n\nIt's just life insurance. Not even cancer. The accident only ones are only for, like, injury. So if there's a disease, it's no. Yeah.\n\nIt's probably the worst insurance you can get for life insurance, but it's the only one that you can get without any medical check. Yep. Do you want me to leave that as a no? Yeah. Look.\n\nI had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's not very good. I can leave that alone. Cool. Alright, mate. Anything else I can help you with before I let you go?\n\nYep. We'll get on to the BPA right now, and then I'll put that plan together. Michelle will give you a call once it's done just to book you in, and we'll go through it together. You're amazing, Anu. Anything else before I let you go, mate?\n\nAwesome. Mate, you know, you have a fantastic day, and I'll talk to you in about a week or two, Max. Thank you for calling back, mate. Talk to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Anu, thank you for calling back, mate.","start":0.96,"end":2.6399999,"sentiment":"positive","sentiment_score":0.42268085053988863},{"text":"Appreciate that.","start":2.6399999,"end":3.62,"sentiment":"positive","sentiment_score":0.4644224941730499},{"text":"Have I caught you at work at the moment?","start":5.3599997,"end":7.22,"sentiment":"neutral","sentiment_score":0.0018296057565344705},{"text":"Did I catch you at work, or are you are you free?","start":10.0,"end":12.555,"sentiment":"neutral","sentiment_score":0.00018915568944066763},{"text":"Perfect.","start":15.195,"end":15.515,"sentiment":"positive","sentiment_score":0.587518572807312}],"sentiment":"neutral","sentiment_score":0.14496341403273325,"num_words":31,"start":0.96,"end":15.515},{"sentences":[{"text":"Perfect.","start":15.515,"end":15.835,"sentiment":"positive","sentiment_score":0.4552350640296936},{"text":"So where we're leaving off before, mate, is I was talking about making a change to the investments.","start":15.835,"end":20.815,"sentiment":"neutral","sentiment_score":-0.012630324138121473},{"text":"You were saying you're not happy that it didn't grow this year, that kind of thing.","start":21.195,"end":24.735,"sentiment":"negative","sentiment_score":-0.41304268874228},{"text":"That makes sense?","start":25.98,"end":36.64,"sentiment":"neutral","sentiment_score":-0.046880279978116356},{"text":"Yeah.","start":36.78,"end":37.28,"sentiment":"neutral","sentiment_score":-0.08626396954059601}],"sentiment":"neutral","sentiment_score":-0.16942816922584406,"num_words":39,"start":15.515,"end":37.28},{"sentences":[{"text":"Yeah.","start":49.675003,"end":50.075,"sentiment":"neutral","sentiment_score":-0.07025381922721863},{"text":"And one of yeah.","start":50.075,"end":62.61,"sentiment":"neutral","sentiment_score":-0.07010290585458279},{"text":"Yeah.","start":62.61,"end":63.010002,"sentiment":"neutral","sentiment_score":-0.0449540801346302},{"text":"So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off.","start":63.010002,"end":74.365005,"sentiment":"neutral","sentiment_score":-0.10429269820451736},{"text":"So what we usually do is we go March, it's doing bad.","start":77.48,"end":80.54,"sentiment":"neutral","sentiment_score":-0.09311841428279877}],"sentiment":"neutral","sentiment_score":-0.09728831217552607,"num_words":52,"start":49.675003,"end":80.54},{"sentences":[{"text":"I'm gonna put a flag, and we've already researched the option to switch it to.","start":80.68,"end":84.78,"sentiment":"neutral","sentiment_score":-0.028212844828764596},{"text":"And then I go, hey, Anu.","start":84.840004,"end":86.3,"sentiment":"neutral","sentiment_score":0.0004770352194706599},{"text":"Mate, this has happened.","start":86.36,"end":87.56,"sentiment":"neutral","sentiment_score":0.0006569633260369301},{"text":"I wanna change it to this.","start":87.56,"end":88.68,"sentiment":"neutral","sentiment_score":0.03347932733595371},{"text":"Are you okay with that?","start":88.68,"end":89.64,"sentiment":"neutral","sentiment_score":0.03302814736962319}],"sentiment":"neutral","sentiment_score":-0.001435719637407197,"num_words":36,"start":80.68,"end":89.64},{"sentences":[{"text":"That's generally what we do.","start":89.64,"end":91.275,"sentiment":"neutral","sentiment_score":-0.03492770604789257},{"text":"Yeah.","start":107.45,"end":107.95,"sentiment":"neutral","sentiment_score":-0.17022395133972168},{"text":"Yeah.","start":123.785,"end":124.025,"sentiment":"neutral","sentiment_score":0.06439922004938126},{"text":"Like it did last year kind of thing.","start":124.025,"end":125.965,"sentiment":"neutral","sentiment_score":0.006606572074815631},{"text":"So no.","start":134.92,"end":136.76,"sentiment":"neutral","sentiment_score":-0.2145145870745182}],"sentiment":"neutral","sentiment_score":-0.03862587406354792,"num_words":17,"start":89.64,"end":136.76},{"sentences":[{"text":"That's that easy, easy fix.","start":136.76,"end":140.84,"sentiment":"neutral","sentiment_score":0.06806652992963791},{"text":"So part of my job in the review is to talk about the options for you, and then you can make a decision after we go through the options.","start":140.84,"end":148.375,"sentiment":"neutral","sentiment_score":0.24646251468822875},{"text":"If you're not satisfied, you don't have to sign on for the service.","start":149.315,"end":152.355,"sentiment":"neutral","sentiment_score":-0.19849043396803048},{"text":"We can, you know, roll the super back, that kind of thing.","start":152.355,"end":155.735,"sentiment":"neutral","sentiment_score":-0.01228421088308096},{"text":"But at the moment, I would love for you to be able to let me do that comparison and show you what we wanna put you into, and then you can make a decision from there if you're happy or not.","start":156.70001,"end":166.62001,"sentiment":"positive","sentiment_score":0.42089921417759685}],"sentiment":"neutral","sentiment_score":0.22016827184706927,"num_words":100,"start":136.76,"end":166.62001},{"sentences":[{"text":"And then I can help you from there either way.","start":166.62001,"end":169.20001,"sentiment":"neutral","sentiment_score":0.22534224316477774},{"text":"K?","start":171.405,"end":171.805,"sentiment":"neutral","sentiment_score":0.012536302208900452},{"text":"So don't sign any documents that we've sent you through today.","start":171.805,"end":175.185,"sentiment":"neutral","sentiment_score":-0.12427337535402992},{"text":"I will do the comparison and show you what I'm thinking, and then you can say, yes, Tommy.","start":175.72499,"end":180.92499,"sentiment":"neutral","sentiment_score":0.13176731889446577},{"text":"Do this.","start":180.92499,"end":181.565,"sentiment":"neutral","sentiment_score":-0.01702330820262432}],"sentiment":"neutral","sentiment_score":0.07706468401565439,"num_words":42,"start":166.62001,"end":181.565},{"sentences":[{"text":"No, Tommy.","start":181.565,"end":182.305,"sentiment":"neutral","sentiment_score":-0.22980865836143494},{"text":"Move me back.","start":182.36499,"end":183.345,"sentiment":"neutral","sentiment_score":-0.24325881898403168},{"text":"Okay?","start":186.16,"end":186.48,"sentiment":"neutral","sentiment_score":-0.02568686753511429},{"text":"So I'm not gonna I'm not gonna hold you down and then say, no.","start":186.48,"end":189.44,"sentiment":"neutral","sentiment_score":-0.18953084307057516},{"text":"No.","start":189.44,"end":189.52,"sentiment":"negative","sentiment_score":-0.3510385751724243}],"sentiment":"neutral","sentiment_score":-0.20093100092240743,"num_words":21,"start":181.565,"end":189.52},{"sentences":[{"text":"No.","start":189.52,"end":189.68,"sentiment":"negative","sentiment_score":-0.3551236391067505},{"text":"No.","start":189.68,"end":189.84,"sentiment":"negative","sentiment_score":-0.3574923276901245},{"text":"No.","start":189.84,"end":189.92,"sentiment":"negative","sentiment_score":-0.35188257694244385},{"text":"You have to stay.","start":189.92,"end":190.98,"sentiment":"neutral","sentiment_score":-0.2591010145843029},{"text":"I wanna make sure that I do good by you and that you're happy with it.","start":191.6,"end":195.36,"sentiment":"neutral","sentiment_score":0.11755877453833818}],"sentiment":"neutral","sentiment_score":-0.009563574324483457,"num_words":23,"start":189.52,"end":195.36},{"sentences":[{"text":"And if not, I can I can help you go where you need to?","start":195.36,"end":198.34,"sentiment":"neutral","sentiment_score":0.12569350483162062},{"text":"But just give me that chance to put down the options for you so you can see in writing, and then you can choose.","start":198.565,"end":204.345,"sentiment":"neutral","sentiment_score":0.20037131446103254},{"text":"Cool.","start":208.08499,"end":208.58499,"sentiment":"positive","sentiment_score":0.4314538240432739},{"text":"I do have one question for you.","start":209.44499,"end":211.14,"sentiment":"neutral","sentiment_score":0.13665035047701427},{"text":"So there's about 1,000 options.","start":213.06,"end":215.8,"sentiment":"neutral","sentiment_score":0.07782292291522026}],"sentiment":"neutral","sentiment_score":0.16364199032678323,"num_words":51,"start":195.36,"end":215.8},{"sentences":[{"text":"I found two.","start":216.18,"end":217.4,"sentiment":"neutral","sentiment_score":0.09182141224543254},{"text":"Do you have a preference between low fees or pay higher fees, get higher return?","start":218.5,"end":224.44,"sentiment":"neutral","sentiment_score":0.03180948831140995},{"text":"Can you choose between the two?","start":225.025,"end":226.645,"sentiment":"neutral","sentiment_score":0.00801108063509067},{"text":"This one's pay higher fees on that option that went down.","start":227.745,"end":230.725,"sentiment":"neutral","sentiment_score":-0.23001434992660175},{"text":"So I was considering going to a low fee option.","start":230.785,"end":233.365,"sentiment":"neutral","sentiment_score":0.08882230222225189}],"sentiment":"neutral","sentiment_score":-0.01869470626115799,"num_words":45,"start":216.18,"end":233.365},{"sentences":[{"text":"So the fee for that option is 0.9%, and the one I'm looking at is 0.2.","start":237.04,"end":242.72,"sentiment":"neutral","sentiment_score":0.050424268236383796},{"text":"I found a cheaper one.","start":242.72,"end":244.1,"sentiment":"neutral","sentiment_score":0.17989878356456757},{"text":"K?","start":247.28,"end":247.52,"sentiment":"neutral","sentiment_score":0.04191938415169716},{"text":"You don't have to so the difference is that if the Australian market goes 10%, well, if you're gonna pay an extra half a percent of fees, you wanna get an extra two, three percent return above the Australian market.","start":247.52,"end":268.64,"sentiment":"neutral","sentiment_score":0.07060728392825695},{"text":"But if you're paying the low fee one, it follows the market and does the 10% that the market did.","start":271.98,"end":276.975,"sentiment":"neutral","sentiment_score":-0.15369455218315126}],"sentiment":"neutral","sentiment_score":0.01827563301492596,"num_words":82,"start":237.04,"end":276.975},{"sentences":[{"text":"And then the risk is if you pay the higher fees and they do a bad job, well, then you get less than the market.","start":278.015,"end":282.995,"sentiment":"negative","sentiment_score":-0.5228746914863587},{"text":"Yeah.","start":294.66998,"end":294.91,"sentiment":"neutral","sentiment_score":-0.05585962161421776},{"text":"So what I'm saying is within the super fund is I'm gonna fire one of the fund managers and switch them with somebody else, and I just wanna go more to the low fee guys because they're a bit more consistent.","start":294.91,"end":304.37,"sentiment":"neutral","sentiment_score":-0.09307178600532252},{"text":"No.","start":313.015,"end":313.17502,"sentiment":"neutral","sentiment_score":-0.22016377747058868},{"text":"I think the Australian market, it went up 4%.","start":313.17502,"end":315.915,"sentiment":"neutral","sentiment_score":-0.21520505845546722}],"sentiment":"neutral","sentiment_score":-0.24806077192936624,"num_words":77,"start":278.015,"end":315.915},{"sentences":[{"text":"Not too good for Australia.","start":317.38,"end":318.76,"sentiment":"negative","sentiment_score":-0.5606977641582489},{"text":"America was a lot higher.","start":318.9,"end":326.12,"sentiment":"neutral","sentiment_score":-0.20269840378314258},{"text":"Yes.","start":327.94,"end":328.26,"sentiment":"neutral","sentiment_score":0.04294469207525253},{"text":"That's right.","start":328.26,"end":328.82,"sentiment":"neutral","sentiment_score":0.07485326752066612},{"text":"So the portion that's in Australia, that's the portion that did bad.","start":328.82,"end":332.28,"sentiment":"neutral","sentiment_score":-0.17215821767846742}],"sentiment":"neutral","sentiment_score":-0.22760912898927926,"num_words":25,"start":317.38,"end":332.28},{"sentences":[{"text":"The portion that's in America, that went up 12%.","start":332.405,"end":335.14502,"sentiment":"neutral","sentiment_score":-0.012493956627117263},{"text":"The gold went up 12%.","start":335.36502,"end":337.125,"sentiment":"neutral","sentiment_score":0.07225949764251709},{"text":"All the other portions did fine.","start":337.125,"end":338.885,"sentiment":"neutral","sentiment_score":0.15133806442221007},{"text":"It was just the Australia portion that went down.","start":338.885,"end":341.46503,"sentiment":"neutral","sentiment_score":-0.10789619882901509},{"text":"I think about usually somewhere between 2040% is usually in Australia, about 40% international, and the rest is like gold and and other assets.","start":347.46,"end":357.16,"sentiment":"neutral","sentiment_score":0.04960600954170028}],"sentiment":"neutral","sentiment_score":0.02596903216304644,"num_words":53,"start":332.405,"end":357.16},{"sentences":[{"text":"K?","start":359.995,"end":360.495,"sentiment":"neutral","sentiment_score":-0.04169870540499687},{"text":"So I'm thinking a little bit less in Australia and a different fund manager for lower fees, and I think that will bring it back up to about 12 to 14%.","start":360.635,"end":368.815,"sentiment":"neutral","sentiment_score":-0.019229601257510723},{"text":"But I have to put it in the document for you to see first, though, because I've got to show you the difference and the projection and show you what it looks like.","start":377.53,"end":384.375,"sentiment":"neutral","sentiment_score":-0.008329371780608639},{"text":"Yeah.","start":393.175,"end":393.495,"sentiment":"neutral","sentiment_score":0.06504665315151215},{"text":"Okay.","start":393.495,"end":393.995,"sentiment":"neutral","sentiment_score":0.14072252810001373}],"sentiment":"neutral","sentiment_score":-0.01055099152084162,"num_words":67,"start":359.995,"end":393.995},{"sentences":[{"text":"Absolutely.","start":394.775,"end":395.275,"sentiment":"neutral","sentiment_score":0.31637802720069885},{"text":"Absolutely.","start":396.71002,"end":397.21002,"sentiment":"neutral","sentiment_score":0.13789214193820953},{"text":"So what I'll do is, again, don't sign anything today.","start":397.83002,"end":400.23,"sentiment":"neutral","sentiment_score":0.007487207651138306},{"text":"I wanna show you the plan first.","start":400.23,"end":401.85,"sentiment":"neutral","sentiment_score":0.11992674427373069},{"text":"Now it's still in high growth, high returns.","start":403.27002,"end":406.09003,"sentiment":"neutral","sentiment_score":0.19359736889600754}],"sentiment":"neutral","sentiment_score":0.10805216321238766,"num_words":27,"start":394.775,"end":406.09003},{"sentences":[{"text":"You don't want me to change the risk level, just fix up the options.","start":406.47,"end":409.53003,"sentiment":"neutral","sentiment_score":-0.08195296062954835},{"text":"Perfect.","start":411.965,"end":412.465,"sentiment":"positive","sentiment_score":0.6169649362564087},{"text":"There haven't been any contributions going in yet, and we did talk last year about maybe doing every three months or something.","start":413.805,"end":420.125,"sentiment":"neutral","sentiment_score":-0.0036381857300346546},{"text":"Do you want me to just put zero contributions at the moment?","start":420.125,"end":423.105,"sentiment":"neutral","sentiment_score":-0.02287230920046568},{"text":"Yep.","start":434.32,"end":434.63998,"sentiment":"neutral","sentiment_score":-0.09422498196363448}],"sentiment":"neutral","sentiment_score":-0.019582185819745065,"num_words":50,"start":406.47,"end":434.63998},{"sentences":[{"text":"And you didn't get that?","start":434.63998,"end":435.86,"sentiment":"neutral","sentiment_score":-0.12006067782640457},{"text":"Yeah.","start":447.885,"end":448.20502,"sentiment":"neutral","sentiment_score":-0.022940490394830704},{"text":"Yeah.","start":448.20502,"end":448.605,"sentiment":"neutral","sentiment_score":-0.007401304319500923},{"text":"Well, let me get Michelle to sort that out for you today.","start":448.605,"end":451.665,"sentiment":"neutral","sentiment_score":-0.005387722747400403},{"text":"Yeah.","start":453.77,"end":454.09,"sentiment":"neutral","sentiment_score":-0.015832168981432915}],"sentiment":"neutral","sentiment_score":-0.03555650128982961,"num_words":20,"start":434.63998,"end":454.09},{"sentences":[{"text":"Absolutely.","start":454.09,"end":454.59,"sentiment":"neutral","sentiment_score":-0.023463677614927292},{"text":"Cool.","start":459.53,"end":460.03,"sentiment":"neutral","sentiment_score":0.13146540522575378},{"text":"Yeah.","start":467.625,"end":468.025,"sentiment":"neutral","sentiment_score":0.07525041699409485},{"text":"BPAY is probably easier.","start":468.025,"end":469.405,"sentiment":"neutral","sentiment_score":0.049353545531630516},{"text":"Yeah.","start":477.72,"end":478.22,"sentiment":"neutral","sentiment_score":0.05460594967007637}],"sentiment":"neutral","sentiment_score":0.05440903455018997,"num_words":8,"start":454.09,"end":478.22},{"sentences":[{"text":"Just the one.","start":478.52,"end":479.5,"sentiment":"neutral","sentiment_score":0.04873525723814964},{"text":"Yep.","start":481.56,"end":482.06,"sentiment":"neutral","sentiment_score":0.20085442066192627},{"text":"Alright.","start":482.75998,"end":483.08,"sentiment":"neutral","sentiment_score":0.20237648487091064},{"text":"I'll get Michelle to do that today.","start":483.08,"end":484.78,"sentiment":"neutral","sentiment_score":0.17390880414417811},{"text":"For the projections, do you want me to put zero contributions for the next ten years, or do you want me to put, like, an estimate just so you can see what it looks like?","start":485.8,"end":494.255,"sentiment":"neutral","sentiment_score":0.02927201533956187}],"sentiment":"neutral","sentiment_score":0.059389762620025495,"num_words":47,"start":478.52,"end":494.255},{"sentences":[{"text":"$4.","start":499.435,"end":500.075,"sentiment":"neutral","sentiment_score":0.10138681530952454},{"text":"Easy done.","start":500.075,"end":500.895,"sentiment":"neutral","sentiment_score":0.3197842538356781},{"text":"Perfect.","start":503.69,"end":504.09003,"sentiment":"positive","sentiment_score":0.5487639904022217},{"text":"So $4 contributions, high growth, BPA details today.","start":504.09003,"end":508.27002,"sentiment":"neutral","sentiment_score":0.29126801900565624},{"text":"You sort out the beneficiary already, which is your partner and child on the super, so that's looking pretty good.","start":510.01,"end":516.43,"sentiment":"neutral","sentiment_score":0.2148559257388115}],"sentiment":"neutral","sentiment_score":0.2474056868813932,"num_words":32,"start":499.435,"end":516.43},{"sentences":[{"text":"Mate, how are you going with all the the work and property and everything at the moment?","start":518.195,"end":521.575,"sentiment":"neutral","sentiment_score":0.14165297019131043},{"text":"Are you still doing the truck driving?","start":526.195,"end":528.295,"sentiment":"neutral","sentiment_score":0.05280997657350132},{"text":"Yeah.","start":532.53,"end":532.85004,"sentiment":"neutral","sentiment_score":0.027297232300043103},{"text":"And is it just ABN sole trader?","start":532.85004,"end":535.49,"sentiment":"neutral","sentiment_score":0.008642075915953942},{"text":"You don't you haven't opened up a company now, have you?","start":535.49,"end":537.99,"sentiment":"neutral","sentiment_score":-0.021937829950316387}],"sentiment":"neutral","sentiment_score":0.06102897589593086,"num_words":43,"start":518.195,"end":537.99},{"sentences":[{"text":"Perfect.","start":542.22504,"end":542.72504,"sentiment":"neutral","sentiment_score":0.19486382603645325},{"text":"Alright.","start":544.065,"end":544.565,"sentiment":"neutral","sentiment_score":0.08266573399305344},{"text":"Last couple of details I wanna update with you is one child married, a 100,000 for the income.","start":545.265,"end":553.505,"sentiment":"neutral","sentiment_score":0.04339881779419051},{"text":"Do you know what your tax return's looking like this year?","start":553.505,"end":555.93,"sentiment":"neutral","sentiment_score":0.019879360090602528},{"text":"Yep.","start":558.25,"end":558.75,"sentiment":"neutral","sentiment_score":0.0210926067084074}],"sentiment":"neutral","sentiment_score":0.0405773077509366,"num_words":32,"start":542.22504,"end":558.75},{"sentences":[{"text":"And the house, 550,000, 400,000 owing.","start":559.85,"end":563.79,"sentiment":"neutral","sentiment_score":0.023807708484431107},{"text":"And car and a credit card.","start":566.01,"end":567.945,"sentiment":"neutral","sentiment_score":0.04928336354593436},{"text":"Awesome.","start":570.265,"end":570.665,"sentiment":"positive","sentiment_score":0.42694345116615295},{"text":"Did you manage to put anything into savings?","start":570.665,"end":572.525,"sentiment":"neutral","sentiment_score":0.1676246440038085},{"text":"Oh, wow.","start":581.80005,"end":582.28,"sentiment":"neutral","sentiment_score":0.010650437325239182}],"sentiment":"neutral","sentiment_score":0.09686034391431705,"num_words":23,"start":559.85,"end":582.28},{"sentences":[{"text":"Did you get a loan for that or just straight up 100,000?","start":582.28,"end":584.94,"sentiment":"neutral","sentiment_score":-0.023716102354228497},{"text":"Right.","start":591.88,"end":592.28,"sentiment":"neutral","sentiment_score":-0.025654401630163193},{"text":"40,000 you put in and it's a $100,000 lent?","start":592.28,"end":595.26,"sentiment":"neutral","sentiment_score":-0.03614297260840734},{"text":"Gotcha.","start":600.47504,"end":600.97504,"sentiment":"neutral","sentiment_score":0.00016799569129943848},{"text":"Okay.","start":602.395,"end":602.895,"sentiment":"neutral","sentiment_score":0.0009163282811641692}],"sentiment":"neutral","sentiment_score":-0.026435419141004484,"num_words":24,"start":582.28,"end":602.895},{"sentences":[{"text":"Let me just put that in.","start":603.03503,"end":604.075,"sentiment":"neutral","sentiment_score":-0.005481350235641003},{"text":"So a 140,000, you put in the 40,000 and valued at 300, did you say?","start":604.075,"end":612.19,"sentiment":"neutral","sentiment_score":0.011282006930559873},{"text":"450.","start":615.05005,"end":616.27,"sentiment":"neutral","sentiment_score":0.003190161194652319},{"text":"Okay.","start":618.65,"end":619.13,"sentiment":"neutral","sentiment_score":0.017363648861646652},{"text":"And so did you just add a bit of a loan onto the mortgage, or is it separate?","start":619.13,"end":622.91003,"sentiment":"neutral","sentiment_score":0.009311150500757827}],"sentiment":"neutral","sentiment_score":0.007914549307670535,"num_words":41,"start":603.03503,"end":622.91003},{"sentences":[{"text":"Separate.","start":625.265,"end":625.765,"sentiment":"neutral","sentiment_score":0.014036881737411022},{"text":"And that loan's for the difference or the $1.40?","start":625.905,"end":629.36505,"sentiment":"neutral","sentiment_score":0.018793709058728483},{"text":"Yeah.","start":635.68,"end":636.0,"sentiment":"neutral","sentiment_score":0.018420029431581497},{"text":"No.","start":636.0,"end":636.24,"sentiment":"neutral","sentiment_score":0.04621722921729088},{"text":"That's fine.","start":636.24,"end":636.8,"sentiment":"neutral","sentiment_score":0.2181573063135147}],"sentiment":"neutral","sentiment_score":0.04886658103870494,"num_words":14,"start":625.265,"end":636.8},{"sentences":[{"text":"It's just to update the details.","start":636.8,"end":638.48,"sentiment":"neutral","sentiment_score":0.3139796406030655},{"text":"That's all good.","start":638.48,"end":639.38,"sentiment":"positive","sentiment_score":0.576768308877945},{"text":"Last question.","start":639.92,"end":640.63995,"sentiment":"neutral","sentiment_score":0.02647656574845314},{"text":"Did you put a will in 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done.","start":651.665,"end":652.305,"sentiment":"positive","sentiment_score":0.4289209693670273},{"text":"Okay.","start":652.305,"end":652.625,"sentiment":"neutral","sentiment_score":0.2163938581943512}],"sentiment":"neutral","sentiment_score":0.17605862250694862,"num_words":13,"start":646.0,"end":652.625},{"sentences":[{"text":"So mortgage is the focus.","start":652.625,"end":654.64496,"sentiment":"neutral","sentiment_score":0.25995765924453734},{"text":"Business is the focus.","start":655.185,"end":656.325,"sentiment":"neutral","sentiment_score":0.26649191603064537},{"text":"Fix up the super.","start":657.02496,"end":658.065,"sentiment":"positive","sentiment_score":0.4480526074767113},{"text":"Let you have a look at that one.","start":658.065,"end":659.345,"sentiment":"neutral","sentiment_score":0.23378728702664375},{"text":"Anything else that's the main thing for you?","start":659.345,"end":661.365,"sentiment":"neutral","sentiment_score":0.15198159124702215}],"sentiment":"neutral","sentiment_score":0.24979715229108415,"num_words":29,"start":652.625,"end":661.365},{"sentences":[{"text":"Cool.","start":665.76,"end":666.26,"sentiment":"neutral","sentiment_score":0.17873038351535797},{"text":"I do wanna ask you one other question.","start":666.32,"end":668.1,"sentiment":"neutral","sentiment_score":0.04967463109642267},{"text":"I did a bit of a hunt around last year for you for the old life insurance, and it did not come out looking good, obviously, with the polycystic kidney disease and so on.","start":669.28,"end":680.39496,"sentiment":"neutral","sentiment_score":-0.042575283962137556},{"text":"There was a little bit of accident only life insurance, but it's not for any illness, only accident, you know, injury, car accident, things like that.","start":680.855,"end":692.235,"sentiment":"neutral","sentiment_score":-0.0811752314464404},{"text":"Did you want me to just send you a quote for the we were talking about 500,000, a million of of life insurance.","start":693.99,"end":699.67,"sentiment":"neutral","sentiment_score":0.051312397841526115}],"sentiment":"neutral","sentiment_score":-0.0195848161921553,"num_words":92,"start":665.76,"end":699.67},{"sentences":[{"text":"Do you wanna see what that looks like if it's, you know, a thousand bucks, 4,000 bucks, 100?","start":699.67,"end":704.17,"sentiment":"neutral","sentiment_score":0.025049756488038435},{"text":"No.","start":721.46,"end":721.78,"sentiment":"neutral","sentiment_score":-0.1412295699119568},{"text":"It's only just if you pass away, lump sum.","start":721.78,"end":724.02,"sentiment":"neutral","sentiment_score":-0.13964787870645523},{"text":"That's it.","start":724.02,"end":724.76,"sentiment":"neutral","sentiment_score":-0.0485280342400074},{"text":"Yeah.","start":732.27496,"end":732.435,"sentiment":"neutral","sentiment_score":-0.02599315904080868}],"sentiment":"neutral","sentiment_score":-0.03452303512923179,"num_words":31,"start":699.67,"end":732.435},{"sentences":[{"text":"No.","start":732.435,"end":732.675,"sentiment":"neutral","sentiment_score":-0.06427548080682755},{"text":"Then it's straight on to Centrelink and things like that.","start":732.675,"end":735.415,"sentiment":"neutral","sentiment_score":-0.024439900275319816},{"text":"Yeah.","start":737.15497,"end":737.475,"sentiment":"neutral","sentiment_score":-0.006205416284501553},{"text":"So it's not income protection.","start":737.475,"end":738.75494,"sentiment":"neutral","sentiment_score":-0.050072507560253145},{"text":"It's not disability.","start":738.75494,"end":739.65497,"sentiment":"neutral","sentiment_score":-0.04955613613128662}],"sentiment":"neutral","sentiment_score":-0.035695542301982644,"num_words":20,"start":732.435,"end":739.65497},{"sentences":[{"text":"It's just life insurance.","start":739.795,"end":741.01495,"sentiment":"neutral","sentiment_score":-0.029841731302440166},{"text":"Not even cancer.","start":762.42505,"end":763.625,"sentiment":"neutral","sentiment_score":-0.13983727991580963},{"text":"The accident only ones are only for, like, injury.","start":763.625,"end":766.28503,"sentiment":"neutral","sentiment_score":-0.16420993291669422},{"text":"So if there's a disease, it's no.","start":766.87,"end":768.73,"sentiment":"neutral","sentiment_score":-0.17767763776438578},{"text":"Yeah.","start":772.06995,"end":772.31,"sentiment":"neutral","sentiment_score":-0.14328455924987793}],"sentiment":"neutral","sentiment_score":-0.14182484103366733,"num_words":24,"start":739.795,"end":772.31},{"sentences":[{"text":"It's probably the worst insurance you can get for life insurance, but it's the only one that you can get without any medical check.","start":772.31,"end":778.41,"sentiment":"neutral","sentiment_score":-0.25843763661881286},{"text":"Yep.","start":784.325,"end":784.565,"sentiment":"neutral","sentiment_score":-0.09554676711559296},{"text":"Do you want me to leave that as a no?","start":784.565,"end":786.345,"sentiment":"neutral","sentiment_score":-0.15001861602067948},{"text":"Yeah.","start":789.20496,"end":789.52496,"sentiment":"neutral","sentiment_score":-0.060702141374349594},{"text":"Look.","start":789.52496,"end":789.765,"sentiment":"neutral","sentiment_score":-0.08476272225379944}],"sentiment":"neutral","sentiment_score":-0.2146946235081634,"num_words":37,"start":772.31,"end":789.765},{"sentences":[{"text":"I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's not very good.","start":789.765,"end":795.06,"sentiment":"neutral","sentiment_score":-0.18381373832623163},{"text":"I can leave that alone.","start":796.08,"end":797.22003,"sentiment":"negative","sentiment_score":-0.3962401747703552},{"text":"Cool.","start":799.52,"end":799.92,"sentiment":"neutral","sentiment_score":0.09855660796165466},{"text":"Alright, mate.","start":799.92,"end":800.48,"sentiment":"neutral","sentiment_score":0.1255672723054886},{"text":"Anything else I can help you with before I let you go?","start":800.48,"end":802.74,"sentiment":"neutral","sentiment_score":0.054516443982720375}],"sentiment":"neutral","sentiment_score":-0.12247368439354679,"num_words":44,"start":789.765,"end":802.74},{"sentences":[{"text":"Yep.","start":812.015,"end":812.515,"sentiment":"neutral","sentiment_score":0.09959113597869872},{"text":"We'll get on to the BPA right now, and then I'll put that plan together.","start":812.73505,"end":815.935,"sentiment":"neutral","sentiment_score":0.13197024812301},{"text":"Michelle will give you a call once it's done just to book you in, and we'll go through it together.","start":815.935,"end":820.435,"sentiment":"neutral","sentiment_score":0.11971458941698074},{"text":"You're amazing, Anu.","start":823.25,"end":824.21,"sentiment":"positive","sentiment_score":0.5948533813158671},{"text":"Anything else before I let you go, mate?","start":824.21,"end":825.83,"sentiment":"neutral","sentiment_score":0.16607221215963364}],"sentiment":"neutral","sentiment_score":0.16141647845506668,"num_words":47,"start":812.015,"end":825.83},{"sentences":[{"text":"Awesome.","start":827.97003,"end":828.37006,"sentiment":"neutral","sentiment_score":0.11144664883613586},{"text":"Mate, you know, you have a fantastic day, and I'll talk to you in about a week or two, Max.","start":828.37006,"end":832.31006,"sentiment":"positive","sentiment_score":0.5342298105359078},{"text":"Thank you for calling back, mate.","start":835.24493,"end":836.5249,"sentiment":"positive","sentiment_score":0.7160072227319082},{"text":"Talk to you soon.","start":836.5249,"end":837.3449,"sentiment":"positive","sentiment_score":0.48769690096378326},{"text":"Bye.","start":839.80493,"end":840.30493,"sentiment":"neutral","sentiment_score":-0.11952310055494308}],"sentiment":"positive","sentiment_score":0.5288547093514353,"num_words":32,"start":827.97003,"end":840.30493}]}}]},{"alternatives":[{"transcript":"No worries. Sorry? Yeah. No. No. It's alright. It's alright. I'm free now. Look. My understanding was that, you know, like, you keep monitoring my super fund. And, you know, like, it was the money in one of the fund and, you know, like, it it shouldn't take one year to make the changes. You know, if you're seeing, you know, three to four months' time, you know, it's not making, it's losing, you should put it into somewhere else. And you you have you have you have experts there, you know, keep looking at the market, you know, what's going on and things like that. True? Yeah. But that didn't that didn't work out that way, I believe, this time. Okay. Well, you know, I was just getting, you know, like I don't know. I'm not satisfied. That's the problem. I don't know. Maybe it's lack of my knowledge. I don't know. But I'm not too sure. You know? But, you know, when I checked with my friends, you know, they should perform around, you know, 8%, 7%, 9%. And this one, you know, if I if it's perform 9%, you know, it should, you know, be more than my account, I believe. So I don't know what what, man? I don't know what this is gonna take, man. You know? Yep. Mhmm. Yep. Okay. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Where where I am now? How much I'm paying with you, sir? Okay. Zero point nine. What is the difference when I'm paying higher fees and lower fees? You know, what service difference? Yeah. Okay. Okay. Who who if I pay you the fees, then you should do the oh, you you mean talking about the super fund? So the Australian market super fund is making 10 percent. Right? Oh, okay. Some of my investment was in America, American market or no? Okay. How much was it invested in Australia? Okay. 12 to 40. Anyway, one more year we have a look, you know, like, the 12 let's see if we're gonna get any better. You know? Better returns. You know? Yep. Yep. Yeah. That's right. If I you know, end of the problem is that I didn't get you know, like, I I need a specific I asked you a specific thing. You know? I need a BSP number and account number or something to just transfer the funds or, you know, like, I didn't I didn't get so, you know, like, I just get a vague email from you guys, you know, but I didn't get it quite you know what I mean? You know, that's if I if I get that, you know, at least I will be 1, you know, $45. You know what I mean? Even if I didn't make money, you know, at least $45, I have. I try to I'm gonna get twice. You know? I just need a one option, you know, either bill or card, BPAY, you know, something like that you can give to me. Yeah. Do the BPAY. Just one you know, don't put you know, there's 100,000,000 options today. You can do this. We'll transfer Darwin now. Just the BPAY. That's it. In one simple email, please. Just estimate around, you know, $4 a year. $44 contribution. Yep. Yeah. That's right. Yep. I'm doing alright. Yes. Yay. I'm still doing the truck. Yep. Yep. Yep. That's it. No. Not much. You know, I just bought a land, you know, which is my savings in order nice to spend, you know, $100 buying in land. No. You know, like, a 140,000 is my contribution, but it's still the loan. No. 140 and $48.94. 300,000. Yeah. Rather than 450. That's separate. Yep. That's not the big deal for you guys. It's not something. No. I haven't put anything in place. Yep. No. Not last emails. That's should do the job. You know? Yep. Yep. Yeah. Yep. Yep. Yep. Oh, okay. You know, when when is that an accidental, you said, you know, that money I'm gonna leave, I said, you know, if anything happens, anything any I didn't I, you know, I still have, you know, some damages. They still pay some money or no? That's it. Okay. If I if I come something accident happened, I come work. I'm still alive. You know, they won't cover anything. Okay. Okay. And it's only cover accidental stuff, you know, like, nothing like okay. I'll go forward with the $3.50. That's alright. If anything wrong with my $3.50 and how you die, I don't I don't get any money paid. But if there's something else, you know, like, if I go to cancer, if if I, you know, like, a public. Nah. You know, we've been accidentally now that's not to see that. Yep. Yep. No. No. Not at this stage. You know? But if you can put a plan together and make sure the beef and things like that, you know, like, I can. Yep. Yep. No worries. No. That's thank you. No. It's open. Thank you very much. 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Sorry? Yeah. No. No.\n\nIt's alright. It's alright. I'm free now. Look. My understanding was that, you know, like, you keep monitoring my super fund.\n\nAnd, you know, like, it was the money in one of the fund and, you know, like, it it shouldn't take one year to make the changes. You know, if you're seeing, you know, three to four months' time, you know, it's not making, it's losing, you should put it into somewhere else. And you you have you have you have experts there, you know, keep looking at the market, you know, what's going on and things like that. True? Yeah.\n\nBut that didn't that didn't work out that way, I believe, this time. Okay. Well, you know, I was just getting, you know, like I don't know. I'm not satisfied. That's the problem.\n\nI don't know. Maybe it's lack of my knowledge. I don't know. But I'm not too sure. You know?\n\nBut, you know, when I checked with my friends, you know, they should perform around, you know, 8%, 7%, 9%. And this one, you know, if I if it's perform 9%, you know, it should, you know, be more than my account, I believe. So I don't know what what, man? I don't know what this is gonna take, man. You know?\n\nYep. Mhmm. Yep. Okay. Yep.\n\nOkay. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yep. Yep. Where where I am now?\n\nHow much I'm paying with you, sir? Okay. Zero point nine. What is the difference when I'm paying higher fees and lower fees? You know, what service difference?\n\nYeah. Okay. Okay. Who who if I pay you the fees, then you should do the oh, you you mean talking about the super fund? So the Australian market super fund is making 10 percent.\n\nRight? Oh, okay. Some of my investment was in America, American market or no? Okay. How much was it invested in Australia?\n\nOkay. 12 to 40. Anyway, one more year we have a look, you know, like, the 12 let's see if we're gonna get any better. You know? Better returns.\n\nYou know? Yep. Yep. Yeah. That's right.\n\nIf I you know, end of the problem is that I didn't get you know, like, I I need a specific I asked you a specific thing. You know? I need a BSP number and account number or something to just transfer the funds or, you know, like, I didn't I didn't get so, you know, like, I just get a vague email from you guys, you know, but I didn't get it quite you know what I mean? You know, that's if I if I get that, you know, at least I will be 1, you know, $45. You know what I mean?\n\nEven if I didn't make money, you know, at least $45, I have. I try to I'm gonna get twice. You know? I just need a one option, you know, either bill or card, BPAY, you know, something like that you can give to me. Yeah.\n\nDo the BPAY. Just one you know, don't put you know, there's 100,000,000 options today. You can do this. We'll transfer Darwin now. Just the BPAY.\n\nThat's it. In one simple email, please. Just estimate around, you know, $4 a year. $44 contribution. Yep.\n\nYeah. That's right. Yep. I'm doing alright. Yes.\n\nYay. I'm still doing the truck. Yep. Yep. Yep.\n\nThat's it. No. Not much. You know, I just bought a land, you know, which is my savings in order nice to spend, you know, $100 buying in land. No.\n\nYou know, like, a 140,000 is my contribution, but it's still the loan. No. 140 and $48.94. 300,000. Yeah.\n\nRather than 450. That's separate. Yep. That's not the big deal for you guys. It's not something.\n\nNo. I haven't put anything in place. Yep. No. Not last emails.\n\nThat's should do the job. You know? Yep. Yep. Yeah.\n\nYep. Yep. Yep. Oh, okay. You know, when when is that an accidental, you said, you know, that money I'm gonna leave, I said, you know, if anything happens, anything any I didn't I, you know, I still have, you know, some damages.\n\nThey still pay some money or no? That's it. Okay. If I if I come something accident happened, I come work. I'm still alive.\n\nYou know, they won't cover anything. Okay. Okay. And it's only cover accidental stuff, you know, like, nothing like okay. I'll go forward with the $3.50.\n\nThat's alright. If anything wrong with my $3.50 and how you die, I don't I don't get any money paid. But if there's something else, you know, like, if I go to cancer, if if I, you know, like, a public. Nah. You know, we've been accidentally now that's not to see that.\n\nYep. Yep. No. No. Not at this stage.\n\nYou know? But if you can put a plan together and make sure the beef and things like that, you know, like, I can. Yep. Yep. No worries.\n\nNo. That's thank you. No. It's open. Thank you very much.\n\nOh, thank you.","paragraphs":[{"sentences":[{"text":"No worries.","start":0.56,"end":4.9,"sentiment":"neutral","sentiment_score":0.06043446250259877},{"text":"Sorry?","start":8.88,"end":9.38,"sentiment":"neutral","sentiment_score":-0.0032606623135507107},{"text":"Yeah.","start":12.24,"end":12.48,"sentiment":"neutral","sentiment_score":0.012219205498695374},{"text":"No.","start":12.48,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.03124399110674858},{"text":"No.","start":12.639999,"end":12.799999,"sentiment":"neutral","sentiment_score":-0.04110822081565857}],"sentiment":"neutral","sentiment_score":0.009579209377989173,"num_words":6,"start":0.56,"end":12.799999},{"sentences":[{"text":"It's alright.","start":12.799999,"end":13.36,"sentiment":"neutral","sentiment_score":0.05096559226512909},{"text":"It's alright.","start":13.36,"end":13.759999,"sentiment":"neutral","sentiment_score":0.15099431574344635},{"text":"I'm free 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have you have you have experts there, you know, keep looking at the market, you know, what's going on and things like that.","start":49.824997,"end":56.144997,"sentiment":"neutral","sentiment_score":-0.05897313700272487},{"text":"True?","start":56.144997,"end":56.61,"sentiment":"neutral","sentiment_score":-0.02027723751962185},{"text":"Yeah.","start":58.61,"end":58.850002,"sentiment":"neutral","sentiment_score":-0.08336126804351807}],"sentiment":"neutral","sentiment_score":-0.18415896509440594,"num_words":81,"start":36.66,"end":58.850002},{"sentences":[{"text":"But that didn't that didn't work out that way, I believe, this time.","start":58.850002,"end":61.99,"sentiment":"neutral","sentiment_score":-0.2644706815481186},{"text":"Okay.","start":76.555,"end":77.055,"sentiment":"neutral","sentiment_score":-0.04553533345460892},{"text":"Well, you know, I was just getting, you know, like I don't 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where I am now?","start":225.55,"end":227.01001,"sentiment":"neutral","sentiment_score":-0.0011143147945404052}],"sentiment":"neutral","sentiment_score":0.0573090770178371,"num_words":9,"start":209.37,"end":227.01001},{"sentences":[{"text":"How much I'm paying with you, sir?","start":234.59,"end":236.29001,"sentiment":"neutral","sentiment_score":0.049436669796705246},{"text":"Okay.","start":247.535,"end":247.775,"sentiment":"neutral","sentiment_score":0.05204972624778747},{"text":"Zero point nine.","start":247.775,"end":248.915,"sentiment":"neutral","sentiment_score":-0.010762908185521761},{"text":"What is the difference when I'm paying higher fees and lower fees?","start":250.575,"end":253.535,"sentiment":"neutral","sentiment_score":0.005667739703009526},{"text":"You know, what service 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specific thing.","start":421.385,"end":428.62,"sentiment":"neutral","sentiment_score":-0.17725429242407834},{"text":"You know?","start":428.62,"end":428.94,"sentiment":"neutral","sentiment_score":-0.13314243406057358},{"text":"I need a BSP number and account number or something to just transfer the funds or, you know, like, I didn't I didn't get so, you know, like, I just get a vague email from you guys, you know, but I didn't get it quite you know what I mean?","start":428.94,"end":447.275,"sentiment":"neutral","sentiment_score":-0.15837403282523155},{"text":"You know, that's if I if I get that, you know, at least I will be 1, you know, $45.","start":447.275,"end":452.64,"sentiment":"neutral","sentiment_score":-0.023996917065232992},{"text":"You know what I mean?","start":452.64,"end":453.54,"sentiment":"neutral","sentiment_score":-0.03805775195360184}],"sentiment":"neutral","sentiment_score":-0.1311642260183222,"num_words":104,"start":421.385,"end":453.54},{"sentences":[{"text":"Even if I didn't make money, you know, at least $45, I have.","start":453.68002,"end":457.94,"sentiment":"neutral","sentiment_score":-0.07181233181976356},{"text":"I try to I'm gonna get twice.","start":459.12003,"end":461.44,"sentiment":"neutral","sentiment_score":0.015251135008708974},{"text":"You know?","start":461.44,"end":461.68002,"sentiment":"neutral","sentiment_score":0.008344333618879318},{"text":"I just need a one option, you know, either bill or card, BPAY, you know, something like that you can give to me.","start":461.68002,"end":470.26498,"sentiment":"neutral","sentiment_score":0.02435294190502685},{"text":"Yeah.","start":470.26498,"end":470.585,"sentiment":"neutral","sentiment_score":0.06572924554347992}],"sentiment":"neutral","sentiment_score":-0.0040057998260675486,"num_words":46,"start":453.68002,"end":470.585},{"sentences":[{"text":"Do the BPAY.","start":470.585,"end":471.405,"sentiment":"neutral","sentiment_score":0.04892075682679812},{"text":"Just one you know, don't put you know, there's 100,000,000 options today.","start":471.54498,"end":474.82498,"sentiment":"neutral","sentiment_score":0.043379926743606724},{"text":"You can do this.","start":474.82498,"end":475.54498,"sentiment":"neutral","sentiment_score":0.09736892580986023},{"text":"We'll transfer Darwin now.","start":475.54498,"end":477.145,"sentiment":"neutral","sentiment_score":0.06550900358706713},{"text":"Just the BPAY.","start":477.145,"end":478.04498,"sentiment":"neutral","sentiment_score":0.04999109357595444}],"sentiment":"neutral","sentiment_score":0.0564925534507403,"num_words":26,"start":470.585,"end":478.04498},{"sentences":[{"text":"That's it.","start":478.985,"end":479.705,"sentiment":"neutral","sentiment_score":0.07847513630986214},{"text":"In one simple email, please.","start":479.705,"end":481.565,"sentiment":"neutral","sentiment_score":0.09442286044359208},{"text":"Just estimate around, you know, $4 a 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truck.","start":530.665,"end":532.02496,"sentiment":"neutral","sentiment_score":0.10587755888700486},{"text":"Yep.","start":532.02496,"end":532.52496,"sentiment":"neutral","sentiment_score":0.049262117594480515},{"text":"Yep.","start":565.115,"end":565.615,"sentiment":"neutral","sentiment_score":0.03921949490904808},{"text":"Yep.","start":569.08997,"end":569.41,"sentiment":"neutral","sentiment_score":0.10317331552505492}],"sentiment":"neutral","sentiment_score":0.11024939351611668,"num_words":9,"start":529.625,"end":569.41},{"sentences":[{"text":"That's it.","start":569.41,"end":570.23,"sentiment":"neutral","sentiment_score":0.17574542760849},{"text":"No.","start":574.37,"end":574.61,"sentiment":"neutral","sentiment_score":-0.18528297543525696},{"text":"Not much.","start":574.61,"end":575.01,"sentiment":"neutral","sentiment_score":-0.1704893782734871},{"text":"You know, I just bought a land, you know, which is my savings in order nice to spend, you know, $100 buying in land.","start":575.01,"end":581.605,"sentiment":"neutral","sentiment_score":-0.04605569286892811},{"text":"No.","start":585.825,"end":586.065,"sentiment":"neutral","sentiment_score":-0.13725702464580536}],"sentiment":"neutral","sentiment_score":-0.04724548434217771,"num_words":30,"start":569.41,"end":586.065},{"sentences":[{"text":"You know, like, a 140,000 is my contribution, but it's still the loan.","start":586.065,"end":590.565,"sentiment":"neutral","sentiment_score":-0.08916303630058582},{"text":"No.","start":595.85004,"end":596.17,"sentiment":"neutral","sentiment_score":-0.08487898111343384},{"text":"140 and $48.94.","start":596.17,"end":598.33,"sentiment":"neutral","sentiment_score":-0.05466809247930845},{"text":"300,000.","start":598.33,"end":599.39,"sentiment":"neutral","sentiment_score":-0.025992501527071},{"text":"Yeah.","start":609.97504,"end":610.47504,"sentiment":"neutral","sentiment_score":0.018061520531773567}],"sentiment":"neutral","sentiment_score":-0.07452282691864591,"num_words":19,"start":586.065,"end":610.47504},{"sentences":[{"text":"Rather than 450.","start":613.015,"end":614.635,"sentiment":"neutral","sentiment_score":-0.0026132687392722196},{"text":"That's separate.","start":623.83,"end":624.65,"sentiment":"neutral","sentiment_score":0.005360607523471117},{"text":"Yep.","start":630.95,"end":631.45,"sentiment":"neutral","sentiment_score":0.0735795795917511},{"text":"That's not the big deal for you guys.","start":633.59,"end":635.35004,"sentiment":"neutral","sentiment_score":0.026199687737971544},{"text":"It's not something.","start":635.35004,"end":637.035,"sentiment":"neutral","sentiment_score":0.040648213277260474}],"sentiment":"neutral","sentiment_score":0.024000184126848848,"num_words":17,"start":613.015,"end":637.035},{"sentences":[{"text":"No.","start":643.495,"end":643.735,"sentiment":"neutral","sentiment_score":-0.13569864630699158},{"text":"I haven't put anything in place.","start":643.735,"end":645.195,"sentiment":"neutral","sentiment_score":-0.08634625313182671},{"text":"Yep.","start":650.055,"end":650.555,"sentiment":"neutral","sentiment_score":0.28957507014274597},{"text":"No.","start":661.88,"end":662.2,"sentiment":"neutral","sentiment_score":-0.05684079974889755},{"text":"Not last emails.","start":662.2,"end":663.18,"sentiment":"neutral","sentiment_score":-0.0729577789704005}],"sentiment":"neutral","sentiment_score":-0.05332626930127541,"num_words":12,"start":643.495,"end":663.18},{"sentences":[{"text":"That's should do the job.","start":663.32,"end":664.76,"sentiment":"neutral","sentiment_score":0.017325449734926224},{"text":"You know?","start":664.76,"end":665.34,"sentiment":"neutral","sentiment_score":0.019315708428621292},{"text":"Yep.","start":672.945,"end":673.445,"sentiment":"neutral","sentiment_score":-0.019089091569185257},{"text":"Yep.","start":674.625,"end":675.125,"sentiment":"neutral","sentiment_score":-0.03594354912638664},{"text":"Yeah.","start":678.225,"end":678.725,"sentiment":"neutral","sentiment_score":-0.03707475960254669}],"sentiment":"neutral","sentiment_score":0.003315126523375511,"num_words":10,"start":663.32,"end":678.725},{"sentences":[{"text":"Yep.","start":680.96,"end":681.46,"sentiment":"neutral","sentiment_score":-0.041943132877349854},{"text":"Yep.","start":685.84,"end":686.34,"sentiment":"neutral","sentiment_score":-0.03257652744650841},{"text":"Yep.","start":692.8,"end":693.04,"sentiment":"neutral","sentiment_score":0.02129225432872772},{"text":"Oh, okay.","start":693.04,"end":693.7,"sentiment":"neutral","sentiment_score":0.04325089976191521},{"text":"You know, when when is that an accidental, you said, you know, that money I'm gonna leave, I said, you know, if anything happens, anything any I didn't I, you know, I still have, you know, some damages.","start":703.01495,"end":716.35,"sentiment":"neutral","sentiment_score":-0.06389045308491118}],"sentiment":"neutral","sentiment_score":-0.05568750752785871,"num_words":43,"start":680.96,"end":716.35},{"sentences":[{"text":"They still pay some money or no?","start":716.57,"end":718.35,"sentiment":"neutral","sentiment_score":-0.0699273060475077},{"text":"That's it.","start":725.625,"end":726.265,"sentiment":"neutral","sentiment_score":-0.007731261663138866},{"text":"Okay.","start":726.265,"end":726.58496,"sentiment":"neutral","sentiment_score":0.015437768772244452},{"text":"If I if I come something accident happened, I come work.","start":726.58496,"end":729.705,"sentiment":"neutral","sentiment_score":-0.022372573952783237},{"text":"I'm still alive.","start":729.705,"end":730.305,"sentiment":"neutral","sentiment_score":0.006187993256996076}],"sentiment":"neutral","sentiment_score":-0.029877092941508938,"num_words":24,"start":716.57,"end":730.305},{"sentences":[{"text":"You know, they won't cover anything.","start":730.305,"end":732.045,"sentiment":"neutral","sentiment_score":-0.07049245697756608},{"text":"Okay.","start":736.425,"end":736.925,"sentiment":"neutral","sentiment_score":-0.00039787404239177704},{"text":"Okay.","start":741.33,"end":741.83,"sentiment":"neutral","sentiment_score":-0.01106606237590313},{"text":"And it's only cover accidental stuff, you know, like, nothing like okay.","start":742.13,"end":748.05005,"sentiment":"neutral","sentiment_score":-0.018993459719543655},{"text":"I'll go forward with the $3.50.","start":748.05005,"end":749.51,"sentiment":"neutral","sentiment_score":0.07550738876064618}],"sentiment":"neutral","sentiment_score":-0.008049840859782238,"num_words":26,"start":730.305,"end":749.51},{"sentences":[{"text":"That's alright.","start":749.57,"end":750.29004,"sentiment":"neutral","sentiment_score":-0.012686496134847403},{"text":"If anything wrong with my $3.50 and how you die, I don't I don't get any money paid.","start":750.29004,"end":757.435,"sentiment":"neutral","sentiment_score":-0.22395980523692238},{"text":"But if there's something else, you know, like, if I go to cancer, if if I, you know, like, a public.","start":757.435,"end":763.615,"sentiment":"neutral","sentiment_score":-0.16397711315325328},{"text":"Nah.","start":779.59503,"end":779.91504,"sentiment":"neutral","sentiment_score":-0.0962192490696907},{"text":"You know, we've been accidentally now that's not to see that.","start":779.91504,"end":788.495,"sentiment":"neutral","sentiment_score":-0.12142838402227922}],"sentiment":"neutral","sentiment_score":-0.16853019502013922,"num_words":53,"start":749.57,"end":788.495},{"sentences":[{"text":"Yep.","start":794.07,"end":794.57,"sentiment":"neutral","sentiment_score":-0.2165084183216095},{"text":"Yep.","start":798.31,"end":798.81,"sentiment":"neutral","sentiment_score":0.03441926836967468},{"text":"No.","start":804.07,"end":804.39,"sentiment":"neutral","sentiment_score":-0.09246008098125458},{"text":"No.","start":804.39,"end":804.63,"sentiment":"neutral","sentiment_score":-0.10136029124259947},{"text":"Not at this stage.","start":804.63,"end":805.51,"sentiment":"neutral","sentiment_score":-0.16748778149485588}],"sentiment":"neutral","sentiment_score":-0.13073258101940155,"num_words":8,"start":794.07,"end":805.51},{"sentences":[{"text":"You know?","start":805.51,"end":805.75,"sentiment":"neutral","sentiment_score":-0.09365883842110634},{"text":"But if you can put a plan together and make sure the beef and things like that, you know, like, I can.","start":805.75,"end":811.295,"sentiment":"neutral","sentiment_score":-0.02464716915379871},{"text":"Yep.","start":811.755,"end":812.255,"sentiment":"neutral","sentiment_score":0.08164691179990768},{"text":"Yep.","start":820.14,"end":820.64,"sentiment":"neutral","sentiment_score":0.1383582502603531},{"text":"No worries.","start":821.98,"end":822.72003,"sentiment":"neutral","sentiment_score":0.2819153368473053}],"sentiment":"neutral","sentiment_score":0.0019385870546102524,"num_words":28,"start":805.51,"end":822.72003},{"sentences":[{"text":"No.","start":826.46,"end":826.62,"sentiment":"neutral","sentiment_score":0.0839461237192154},{"text":"That's thank you.","start":826.62,"end":828.16,"sentiment":"positive","sentiment_score":0.34961538513501483},{"text":"No.","start":832.86,"end":833.1,"sentiment":"neutral","sentiment_score":-0.075084388256073},{"text":"It's open.","start":833.1,"end":833.9,"sentiment":"neutral","sentiment_score":0.14443513751029968},{"text":"Thank you very much.","start":833.9,"end":835.235,"sentiment":"positive","sentiment_score":0.7742300480604172}],"sentiment":"positive","sentiment_score":0.40395439619367773,"num_words":11,"start":826.46,"end":835.235},{"sentences":[{"text":"Oh, thank you.","start":838.335,"end":839.315,"sentiment":"positive","sentiment_score":0.5802004337310791}],"sentiment":"positive","sentiment_score":0.5802004337310791,"num_words":3,"start":838.335,"end":839.315}]}}]}],"paragraphs":{"transcript":"\nChannel 1: No\n\nChannel 0: Anu, thank you for calling back, mate. Appreciate that.\n\nChannel 1: worries.\n\nChannel 0: Have I caught you at work at the moment?\n\nChannel 1: Sorry?\n\nChannel 0: Did I catch you at work, or are you are you free?\n\nChannel 1: Yeah. No. No. It's alright. It's alright.\n\nI'm free now.\n\nChannel 0: Perfect. Perfect. So where we're leaving off before, mate, is I was talking about making a change to the investments. You were saying you're not happy that it didn't grow this year, that kind of thing. That makes\n\nChannel 1: Look. My understanding was that, you know, like, you keep monitoring my super fund.\n\nChannel 0: sense?\n\nChannel 1: And,\n\nChannel 0: Yeah.\n\nChannel 1: you know, like, it was the money in one of the fund and, you know, like, it it shouldn't take one year to make the changes. You know, if you're seeing, you know, three to four months' time, you know, it's not making, it's losing, you should put it into somewhere else.\n\nChannel 0: Yeah.\n\nChannel 1: And you\n\nChannel 0: And one\n\nChannel 1: you have\n\nChannel 0: of\n\nChannel 1: you have you have experts there, you know, keep looking at the market, you know, what's going on and things like that. True? Yeah. But that didn't that didn't work out that way, I believe, this time.\n\nChannel 0: yeah. Yeah. So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off.\n\nChannel 1: Okay.\n\nChannel 0: So what we usually do is we go March, it's doing bad. I'm gonna put a flag, and we've already researched the option to switch it to. And then I go, hey, Anu. Mate, this has happened. I wanna change it to this.\n\nAre you okay with that? That's generally what we do.\n\nChannel 1: Well, you know, I was just getting, you know, like I don't know. I'm not satisfied. That's the problem. I don't\n\nChannel 0: Yeah.\n\nChannel 1: know. Maybe it's lack of my knowledge. I don't know. But I'm not too sure. You know?\n\nBut, you know, when I checked with my friends, you know, they should perform around, you know, 8%, 7%, 9%. And this one, you know, if I if it's perform 9%, you know, it should, you know, be more than my account,\n\nChannel 0: Yeah. Like it did\n\nChannel 1: I believe.\n\nChannel 0: last year kind of thing.\n\nChannel 1: So I don't know what\n\nChannel 0: So\n\nChannel 1: what, man? I don't\n\nChannel 0: no.\n\nChannel 1: know\n\nChannel 0: That's\n\nChannel 1: what this is gonna take, man. You know?\n\nChannel 0: that easy, easy fix. So part of my job in the review is to talk about the options for you, and then you can make a decision after we go through the options. If you're not satisfied, you don't have to sign on for the service. We can, you know, roll the super back, that kind of thing. But at the moment, I would love for you to be able to let me do that comparison and show you what we wanna put you into,\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: and then you can make a decision from there if you're happy or not. And then I can help\n\nChannel 1: Yep.\n\nChannel 0: you from there either way.\n\nChannel 1: Okay.\n\nChannel 0: K? So don't sign any documents that we've sent you through today. I will do the comparison and show you what I'm thinking, and then you can say,\n\nChannel 1: Yep.\n\nChannel 0: yes, Tommy. Do this. No, Tommy. Move me back.\n\nChannel 1: Okay.\n\nChannel 0: Okay? So I'm not gonna I'm not gonna hold you down and then say, no. No. No. No.\n\nNo. You have to stay. I wanna make sure that I do good by you and that you're happy with it. And if not, I can I can help you go where you need to? But just give me that chance\n\nChannel 1: Yep.\n\nChannel 0: to put down the options for you so you can see in writing, and then you can choose.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: I do have one question for you.\n\nChannel 1: Yep.\n\nChannel 0: So there's about 1,000 options. I found two.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Do you have a preference between low fees or pay higher fees, get higher return? Can you choose\n\nChannel 1: Where\n\nChannel 0: between\n\nChannel 1: where\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: two?\n\nChannel 1: am now?\n\nChannel 0: This one's pay higher fees on that option that went down. So I was considering going to a low fee option.\n\nChannel 1: How much I'm paying with you, sir?\n\nChannel 0: So the fee for that option is 0.9%, and the one I'm looking at is 0.2. I found a cheaper one. K? You\n\nChannel 1: Okay.\n\nChannel 0: don't\n\nChannel 1: Zero\n\nChannel 0: have to\n\nChannel 1: point nine. What is the difference when I'm paying higher fees and lower fees? You know, what service difference?\n\nChannel 0: so the difference is that if the Australian market goes 10%, well, if you're gonna pay an extra half a percent of fees, you wanna get an extra two, three percent return above the Australian market.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: But if you're paying the low fee one, it follows the market and does the 10% that the market did. And then the risk is if you pay the higher fees and they do a bad job, well, then you get less than the market.\n\nChannel 1: Okay. Who who if I pay you the fees, then you should do the oh, you you mean talking about the super fund?\n\nChannel 0: Yeah. So what I'm saying is within the super fund is I'm gonna fire one of the fund managers and switch them with somebody else, and I just wanna go more to the low fee guys because they're a bit more consistent.\n\nChannel 1: So the Australian market super fund is making 10\n\nChannel 0: No. I think the Australian market, it went up 4%. Not too good for Australia. America was a lot\n\nChannel 1: percent. Right? Oh, okay. Some of my investment was in America,\n\nChannel 0: higher.\n\nChannel 1: American market or no?\n\nChannel 0: Yes. That's right. So the portion that's in Australia, that's the portion that did bad. The portion that's in America, that went up 12%. The gold went up 12%.\n\nAll the other portions did fine. It was just the Australia portion that went down.\n\nChannel 1: Okay. How much was it invested in Australia?\n\nChannel 0: I think about usually somewhere between 2040% is usually in Australia, about 40% international, and the rest is like gold and and other assets.\n\nChannel 1: Okay.\n\nChannel 0: K? So I'm thinking a little bit less in Australia and a different fund manager for lower fees, and I think that will bring it back up to about 12 to 14%.\n\nChannel 1: 12 to 40.\n\nChannel 0: But I have to put it in the document for you to see first, though, because I've got to show you the difference and the projection and show you what it looks like.\n\nChannel 1: Anyway, one more year we have a look, you know, like, the 12 let's see if we're gonna get any better. You know?\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Better returns.\n\nChannel 0: Absolutely.\n\nChannel 1: You know?\n\nChannel 0: Absolutely. So what I'll do is, again, don't sign anything today. I wanna show you the plan first.\n\nChannel 1: Yep.\n\nChannel 0: Now it's still in high growth, high returns. You don't want me to change the risk level, just fix up the options.\n\nChannel 1: Yep. Yeah. That's\n\nChannel 0: Perfect.\n\nChannel 1: right.\n\nChannel 0: There haven't been any contributions going in yet, and we did talk last year about maybe doing every three months or something. Do you want me to just put zero\n\nChannel 1: If I\n\nChannel 0: contributions\n\nChannel 1: you know, end\n\nChannel 0: at the\n\nChannel 1: of\n\nChannel 0: moment?\n\nChannel 1: the problem is that I didn't get you know, like, I I need a specific I asked you a specific thing. You know? I need a BSP number and account number or something to just transfer the funds or,\n\nChannel 0: Yep.\n\nChannel 1: you know,\n\nChannel 0: And\n\nChannel 1: like,\n\nChannel 0: you didn't get that?\n\nChannel 1: I didn't I didn't get so, you know, like, I just get a vague email from you guys, you know, but I didn't get it quite you know what I mean? You know, that's\n\nChannel 0: Yeah. Yeah. Well,\n\nChannel 1: if I\n\nChannel 0: let me\n\nChannel 1: if\n\nChannel 0: get\n\nChannel 1: I get\n\nChannel 0: Michelle\n\nChannel 1: that, you know,\n\nChannel 0: to\n\nChannel 1: at\n\nChannel 0: sort\n\nChannel 1: least\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: out\n\nChannel 1: will\n\nChannel 0: for you\n\nChannel 1: be\n\nChannel 0: today.\n\nChannel 1: 1, you know, $45. You know what I mean? Even\n\nChannel 0: Yeah.\n\nChannel 1: if I\n\nChannel 0: Absolutely.\n\nChannel 1: didn't make money, you know, at least $45, I have. I try\n\nChannel 0: Cool.\n\nChannel 1: to I'm gonna get twice. You know? I just need a one option, you know, either bill or card, BPAY, you know, something like that you\n\nChannel 0: Yeah.\n\nChannel 1: can\n\nChannel 0: BPAY\n\nChannel 1: give to\n\nChannel 0: is probably easier.\n\nChannel 1: me. Yeah. Do the BPAY. Just one you know, don't put you know, there's 100,000,000 options today. You can do this.\n\nWe'll transfer Darwin now. Just the BPAY.\n\nChannel 0: Yeah. Just the\n\nChannel 1: That's\n\nChannel 0: one.\n\nChannel 1: it. In one simple email, please.\n\nChannel 0: Yep. Alright. I'll get Michelle to do that today. For the projections, do you want me to put zero contributions for the next ten years, or do you want me to put, like, an estimate just so you can see what it looks like?\n\nChannel 1: Just estimate around, you know, $4 a year.\n\nChannel 0: $4. Easy done.\n\nChannel 1: $44 contribution. Yep.\n\nChannel 0: Perfect. So $4 contributions, high growth, BPA details today. You sort out the beneficiary already, which is your partner and child on the super, so that's\n\nChannel 1: Yeah.\n\nChannel 0: looking\n\nChannel 1: That's\n\nChannel 0: pretty\n\nChannel 1: right.\n\nChannel 0: good.\n\nChannel 1: Yep.\n\nChannel 0: Mate, how are you going with all the the work and property and everything at the moment?\n\nChannel 1: I'm doing alright. Yes.\n\nChannel 0: Are you still doing the truck driving?\n\nChannel 1: Yay. I'm still doing the truck. Yep.\n\nChannel 0: Yeah. And is it just ABN sole trader? You don't you haven't opened up a company now, have you? Perfect. Alright.\n\nLast couple of details I wanna update with you is one child married, a 100,000 for the income. Do you know what your tax return's looking like this year? Yep. And the house, 550,000, 400,000 owing.\n\nChannel 1: Yep.\n\nChannel 0: And car and a credit card.\n\nChannel 1: Yep. That's it.\n\nChannel 0: Awesome. Did you manage to put anything into savings?\n\nChannel 1: No. Not much. You know, I just bought a land, you know, which is my savings in order nice to spend, you know, $100 buying in land.\n\nChannel 0: Oh, wow. Did you get a loan for that or just straight up 100,000?\n\nChannel 1: No. You know, like, a 140,000 is my contribution, but it's still the loan.\n\nChannel 0: Right. 40,000 you put in and it's a $100,000 lent?\n\nChannel 1: No. 140 and $48.94. 300,000.\n\nChannel 0: Gotcha. Okay. Let me just put that in. So a 140,000, you put in the 40,000\n\nChannel 1: Yeah.\n\nChannel 0: and valued at 300, did you say?\n\nChannel 1: Rather than 450.\n\nChannel 0: 450. Okay. And so did you just add a bit of a loan onto the mortgage, or is it separate?\n\nChannel 1: That's separate.\n\nChannel 0: Separate. And that loan's for the difference or the $1.40?\n\nChannel 1: Yep. That's not the big deal for you guys. It's not\n\nChannel 0: Yeah. No. That's fine.\n\nChannel 1: something.\n\nChannel 0: It's just to update the details. That's all good. Last question. Did you put a will in place?\n\nChannel 1: No. I haven't put anything in place.\n\nChannel 0: No. That's okay. I'll I'll include deliver reminder there. That's alright.\n\nChannel 1: Yep.\n\nChannel 0: Easy done. Okay. So mortgage is the focus. Business is the focus. Fix up the super.\n\nLet you have a look at that one. Anything else that's the main thing for you?\n\nChannel 1: No. Not last emails. That's should do the job. You know?\n\nChannel 0: Cool. I do wanna ask you one other question. I did a bit of a hunt around last year for you for the old life\n\nChannel 1: Yep.\n\nChannel 0: insurance, and\n\nChannel 1: Yep.\n\nChannel 0: it did not come out looking good, obviously, with the\n\nChannel 1: Yeah.\n\nChannel 0: polycystic kidney disease and so on. There\n\nChannel 1: Yep.\n\nChannel 0: was a little bit of accident only life insurance, but it's\n\nChannel 1: Yep.\n\nChannel 0: not for any illness, only accident, you know, injury, car accident, things like that.\n\nChannel 1: Yep. Oh, okay.\n\nChannel 0: Did you want me to just send you a quote for the we were talking about 500,000, a million of of life insurance. Do you wanna see what that looks like if it's, you know, a thousand bucks, 4,000\n\nChannel 1: You know,\n\nChannel 0: bucks, 100?\n\nChannel 1: when when is that an accidental, you said, you know, that money I'm gonna leave, I said, you know, if anything happens, anything any I didn't I, you know, I still have, you know, some damages. They still pay some money or no?\n\nChannel 0: No. It's only just if you pass away, lump sum. That's it.\n\nChannel 1: That's it. Okay. If I if I come something accident happened, I come work. I'm still alive. You know, they won't cover anything.\n\nChannel 0: Yeah. No. Then it's straight on to Centrelink and things like that.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it's not income protection. It's not disability. It's just life insurance.\n\nChannel 1: Okay. And it's only cover accidental stuff, you know, like, nothing like okay. I'll go forward with the $3.50. That's alright. If anything wrong with my $3.50 and how you die, I don't I don't get any money paid.\n\nBut if there's something else, you know, like, if I go to cancer, if if I, you know, like,\n\nChannel 0: Not even\n\nChannel 1: a public.\n\nChannel 0: cancer. The accident only ones are only for, like, injury. So if there's a disease, it's no. Yeah. It's probably the worst insurance you can get for life insurance, but it's the only one that you can get without any medical check.\n\nChannel 1: Nah. You know, we've been accidentally now that's\n\nChannel 0: Yep. Do you want me to leave that as a no?\n\nChannel 1: not to see that.\n\nChannel 0: Yeah. Look. I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's\n\nChannel 1: Yep.\n\nChannel 0: not very good. I can leave that alone.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alright, mate. Anything else I can help you with before I let you go?\n\nChannel 1: No. No. Not at this stage. You know? But if you can put a plan together and make sure the beef and things like that, you know, like, I can.\n\nYep.\n\nChannel 0: Yep. We'll get on to the BPA right now, and then I'll put that plan together. Michelle will give you a call once it's done just to book you in, and we'll go through it together.\n\nChannel 1: Yep. No worries.\n\nChannel 0: You're amazing, Anu. Anything else before I let you go, mate?\n\nChannel 1: No. That's thank you.\n\nChannel 0: Awesome. Mate, you know, you have a fantastic day, and I'll talk to you in about a week or two, Max.\n\nChannel 1: No. It's open. Thank you very much.\n\nChannel 0: Thank you for calling back, mate. Talk to you soon.\n\nChannel 1: Oh, thank you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"No","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.116039477288723}],"sentiment":"neutral","sentiment_score":0.116039477288723,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Anu, thank you for calling back, mate.","start":0.96,"end":2.6399999,"sentiment":"positive","sentiment_score":0.42268085053988863},{"text":"Appreciate that.","start":2.6399999,"end":3.62,"sentiment":"positive","sentiment_score":0.4644224941730499}],"sentiment":"positive","sentiment_score":0.43195677134725785,"channel":0,"num_words":9,"start":0.96,"end":3.62},{"sentences":[{"text":"worries.","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.004829447716474533}],"sentiment":"neutral","sentiment_score":0.004829447716474533,"channel":1,"num_words":1,"start":4.4,"end":4.9},{"sentences":[{"text":"Have I caught you at work at the moment?","start":5.3599997,"end":7.22,"sentiment":"neutral","sentiment_score":0.0018296057565344705}],"sentiment":"neutral","sentiment_score":0.0018296057565344705,"channel":0,"num_words":9,"start":5.3599997,"end":7.22},{"sentences":[{"text":"Sorry?","start":8.88,"end":9.38,"sentiment":"neutral","sentiment_score":-0.0032606623135507107}],"sentiment":"neutral","sentiment_score":-0.0032606623135507107,"channel":1,"num_words":1,"start":8.88,"end":9.38},{"sentences":[{"text":"Did I catch you at work, or are you are you free?","start":10.0,"end":12.555,"sentiment":"neutral","sentiment_score":0.00018915568944066763}],"sentiment":"neutral","sentiment_score":0.00018915568944066763,"channel":0,"num_words":12,"start":10.0,"end":12.555},{"sentences":[{"text":"Yeah.","start":12.24,"end":12.48,"sentiment":"neutral","sentiment_score":0.012219205498695374},{"text":"No.","start":12.48,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.03124399110674858},{"text":"No.","start":12.639999,"end":12.799999,"sentiment":"neutral","sentiment_score":-0.04110822081565857},{"text":"It's alright.","start":12.799999,"end":13.36,"sentiment":"neutral","sentiment_score":0.05096559226512909},{"text":"It's alright.","start":13.36,"end":13.759999,"sentiment":"neutral","sentiment_score":0.15099431574344635}],"sentiment":"neutral","sentiment_score":0.0491124013704913,"channel":1,"num_words":7,"start":12.24,"end":13.759999},{"sentences":[{"text":"I'm free 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makes","start":25.98,"end":26.72,"sentiment":"neutral","sentiment_score":-0.04609551653265953}],"sentiment":"neutral","sentiment_score":-0.15488069080502578,"channel":0,"num_words":38,"start":15.195,"end":26.72},{"sentences":[{"text":"Look.","start":29.7,"end":30.2,"sentiment":"neutral","sentiment_score":-0.07225021719932556},{"text":"My understanding was that, you know, like, you keep monitoring my super 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you know, keep looking at the market, you know, what's going on and things like that.","start":51.105,"end":56.144997,"sentiment":"neutral","sentiment_score":-0.05823885751041499},{"text":"True?","start":56.144997,"end":56.61,"sentiment":"neutral","sentiment_score":-0.02027723751962185},{"text":"Yeah.","start":58.61,"end":58.850002,"sentiment":"neutral","sentiment_score":-0.08336126804351807},{"text":"But that didn't that didn't work out that way, I believe, this time.","start":58.850002,"end":61.99,"sentiment":"neutral","sentiment_score":-0.2644706815481186}],"sentiment":"neutral","sentiment_score":-0.1303516819166976,"channel":1,"num_words":37,"start":51.105,"end":61.99},{"sentences":[{"text":"yeah.","start":62.29,"end":62.61,"sentiment":"neutral","sentiment_score":-0.04759638011455536},{"text":"Yeah.","start":62.61,"end":63.010002,"sentiment":"neutral","sentiment_score":-0.0449540801346302},{"text":"So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off.","start":63.010002,"end":74.365005,"sentiment":"neutral","sentiment_score":-0.10429269820451736}],"sentiment":"neutral","sentiment_score":-0.10106950553341044,"channel":0,"num_words":36,"start":62.29,"end":74.365005},{"sentences":[{"text":"Okay.","start":76.555,"end":77.055,"sentiment":"neutral","sentiment_score":-0.04553533345460892}],"sentiment":"neutral","sentiment_score":-0.04553533345460892,"channel":1,"num_words":1,"start":76.555,"end":77.055},{"sentences":[{"text":"So what we usually do is we go March, it's doing bad.","start":77.48,"end":80.54,"sentiment":"neutral","sentiment_score":-0.09311841428279877},{"text":"I'm gonna put a flag, and we've already researched the option to switch it to.","start":80.68,"end":84.78,"sentiment":"neutral","sentiment_score":-0.028212844828764596},{"text":"And then I go, hey, Anu.","start":84.840004,"end":86.3,"sentiment":"neutral","sentiment_score":0.0004770352194706599},{"text":"Mate, this has happened.","start":86.36,"end":87.56,"sentiment":"neutral","sentiment_score":0.0006569633260369301},{"text":"I wanna change it to this.","start":87.56,"end":88.68,"sentiment":"neutral","sentiment_score":0.03347932733595371}],"sentiment":"neutral","sentiment_score":-0.03102901430670605,"channel":0,"num_words":43,"start":77.48,"end":88.68},{"sentences":[{"text":"Are you okay with that?","start":88.68,"end":89.64,"sentiment":"neutral","sentiment_score":0.03302814736962319},{"text":"That's generally what we do.","start":89.64,"end":91.275,"sentiment":"neutral","sentiment_score":-0.03492770604789257}],"sentiment":"neutral","sentiment_score":-0.0009497793391346928,"channel":0,"num_words":10,"start":88.68,"end":91.275},{"sentences":[{"text":"Well, you know, I was just getting, you know, like I don't 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man.","start":136.91501,"end":138.195,"sentiment":"neutral","sentiment_score":-0.16141912216941515},{"text":"You know?","start":138.195,"end":138.935,"sentiment":"neutral","sentiment_score":0.017002468928694725}],"sentiment":"neutral","sentiment_score":-0.11681372439488769,"channel":1,"num_words":8,"start":136.91501,"end":138.935},{"sentences":[{"text":"that easy, easy fix.","start":139.44,"end":140.84,"sentiment":"neutral","sentiment_score":0.13946771807968616},{"text":"So part of my job in the review is to talk about the options for you, and then you can make a decision after we go through the options.","start":140.84,"end":148.375,"sentiment":"neutral","sentiment_score":0.24646251468822875},{"text":"If you're not satisfied, you don't have to sign on for the service.","start":149.315,"end":152.355,"sentiment":"neutral","sentiment_score":-0.19849043396803048},{"text":"We can, you know, roll the super back, that kind of 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way.","start":167.66,"end":169.20001,"sentiment":"neutral","sentiment_score":0.17760901302099227}],"sentiment":"neutral","sentiment_score":0.17760901302099227,"channel":0,"num_words":5,"start":167.66,"end":169.20001},{"sentences":[{"text":"Okay.","start":170.45999,"end":170.95999,"sentiment":"neutral","sentiment_score":0.04143756255507469}],"sentiment":"neutral","sentiment_score":0.04143756255507469,"channel":1,"num_words":1,"start":170.45999,"end":170.95999},{"sentences":[{"text":"K?","start":171.405,"end":171.805,"sentiment":"neutral","sentiment_score":0.012536302208900452},{"text":"So don't sign any documents that we've sent you through today.","start":171.805,"end":175.185,"sentiment":"neutral","sentiment_score":-0.12427337535402992},{"text":"I will do the comparison and show you what I'm thinking, and then you can say,","start":175.72499,"end":180.14499,"sentiment":"neutral","sentiment_score":0.14132182160392404}],"sentiment":"neutral","sentiment_score":0.03238136853490557,"channel":0,"num_words":28,"start":171.405,"end":180.14499},{"sentences":[{"text":"Yep.","start":179.73999,"end":180.23999,"sentiment":"neutral","sentiment_score":0.06214800104498863}],"sentiment":"neutral","sentiment_score":0.06214800104498863,"channel":1,"num_words":1,"start":179.73999,"end":180.23999},{"sentences":[{"text":"yes, Tommy.","start":180.205,"end":180.92499,"sentiment":"neutral","sentiment_score":0.05533129721879959},{"text":"Do this.","start":180.92499,"end":181.565,"sentiment":"neutral","sentiment_score":-0.01702330820262432},{"text":"No, Tommy.","start":181.565,"end":182.305,"sentiment":"neutral","sentiment_score":-0.22980865836143494},{"text":"Move me 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to?","start":195.36,"end":198.34,"sentiment":"neutral","sentiment_score":0.12569350483162062},{"text":"But just give me that chance","start":198.565,"end":199.925,"sentiment":"neutral","sentiment_score":0.15033615877230963}],"sentiment":"neutral","sentiment_score":0.07693609213683664,"channel":0,"num_words":41,"start":189.84,"end":199.925},{"sentences":[{"text":"Yep.","start":199.69,"end":200.19,"sentiment":"neutral","sentiment_score":0.2452132552862167}],"sentiment":"neutral","sentiment_score":0.2452132552862167,"channel":1,"num_words":1,"start":199.69,"end":200.19},{"sentences":[{"text":"to put down the options for you so you can see in writing, and then you can 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do have one question for you.","start":209.44499,"end":211.14,"sentiment":"neutral","sentiment_score":0.13665035047701427}],"sentiment":"neutral","sentiment_score":0.13665035047701427,"channel":0,"num_words":7,"start":209.44499,"end":211.14},{"sentences":[{"text":"Yep.","start":212.045,"end":212.545,"sentiment":"neutral","sentiment_score":0.08273956924676895}],"sentiment":"neutral","sentiment_score":0.08273956924676895,"channel":1,"num_words":1,"start":212.045,"end":212.545},{"sentences":[{"text":"So there's about 1,000 options.","start":213.06,"end":215.8,"sentiment":"neutral","sentiment_score":0.07782292291522026},{"text":"I found 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check.","start":772.31,"end":778.41,"sentiment":"neutral","sentiment_score":-0.25843763661881286}],"sentiment":"neutral","sentiment_score":-0.21952449015918232,"channel":0,"num_words":42,"start":763.145,"end":778.41},{"sentences":[{"text":"Nah.","start":779.59503,"end":779.91504,"sentiment":"neutral","sentiment_score":-0.0962192490696907},{"text":"You know, we've been accidentally now that's","start":779.91504,"end":782.41504,"sentiment":"neutral","sentiment_score":-0.09867776504584722}],"sentiment":"neutral","sentiment_score":-0.09837045054882765,"channel":1,"num_words":8,"start":779.59503,"end":782.41504},{"sentences":[{"text":"Yep.","start":784.325,"end":784.565,"sentiment":"neutral","sentiment_score":-0.09554676711559296},{"text":"Do you want me to leave that as a no?","start":784.565,"end":786.345,"sentiment":"neutral","sentiment_score":-0.15001861602067948}],"sentiment":"neutral","sentiment_score":-0.1450666297565807,"channel":0,"num_words":11,"start":784.325,"end":786.345},{"sentences":[{"text":"not to see that.","start":787.115,"end":788.495,"sentiment":"neutral","sentiment_score":-0.16124196723103523}],"sentiment":"neutral","sentiment_score":-0.16124196723103523,"channel":1,"num_words":4,"start":787.115,"end":788.495},{"sentences":[{"text":"Yeah.","start":789.20496,"end":789.52496,"sentiment":"neutral","sentiment_score":-0.060702141374349594},{"text":"Look.","start":789.52496,"end":789.765,"sentiment":"neutral","sentiment_score":-0.08476272225379944},{"text":"I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's","start":789.765,"end":794.16,"sentiment":"neutral","sentiment_score":-0.12722028437114896}],"sentiment":"neutral","sentiment_score":-0.12248221023575119,"channel":0,"num_words":23,"start":789.20496,"end":794.16},{"sentences":[{"text":"Yep.","start":794.07,"end":794.57,"sentiment":"neutral","sentiment_score":-0.2165084183216095}],"sentiment":"neutral","sentiment_score":-0.2165084183216095,"channel":1,"num_words":1,"start":794.07,"end":794.57},{"sentences":[{"text":"not very good.","start":794.16,"end":795.06,"sentiment":"negative","sentiment_score":-0.5799679160118103},{"text":"I can leave that alone.","start":796.08,"end":797.22003,"sentiment":"negative","sentiment_score":-0.3962401747703552}],"sentiment":"negative","sentiment_score":-0.4651380777359009,"channel":0,"num_words":8,"start":794.16,"end":797.22003},{"sentences":[{"text":"Yep.","start":798.31,"end":798.81,"sentiment":"neutral","sentiment_score":0.03441926836967468}],"sentiment":"neutral","sentiment_score":0.03441926836967468,"channel":1,"num_words":1,"start":798.31,"end":798.81},{"sentences":[{"text":"Cool.","start":799.52,"end":799.92,"sentiment":"neutral","sentiment_score":0.09855660796165466},{"text":"Alright, mate.","start":799.92,"end":800.48,"sentiment":"neutral","sentiment_score":0.1255672723054886},{"text":"Anything else I can help you with before I let you go?","start":800.48,"end":802.74,"sentiment":"neutral","sentiment_score":0.054516443982720375}],"sentiment":"neutral","sentiment_score":0.06692589869101842,"channel":0,"num_words":15,"start":799.52,"end":802.74},{"sentences":[{"text":"No.","start":804.07,"end":804.39,"sentiment":"neutral","sentiment_score":-0.09246008098125458},{"text":"No.","start":804.39,"end":804.63,"sentiment":"neutral","sentiment_score":-0.10136029124259947},{"text":"Not at this stage.","start":804.63,"end":805.51,"sentiment":"neutral","sentiment_score":-0.16748778149485588},{"text":"You know?","start":805.51,"end":805.75,"sentiment":"neutral","sentiment_score":-0.09365883842110634},{"text":"But if you can put a plan together and make sure the beef and things like that, you know, like, I can.","start":805.75,"end":811.295,"sentiment":"neutral","sentiment_score":-0.02464716915379871}],"sentiment":"neutral","sentiment_score":-0.05311089654763539,"channel":1,"num_words":30,"start":804.07,"end":811.295},{"sentences":[{"text":"Yep.","start":811.755,"end":812.255,"sentiment":"neutral","sentiment_score":0.08164691179990768}],"sentiment":"neutral","sentiment_score":0.08164691179990768,"channel":1,"num_words":1,"start":811.755,"end":812.255},{"sentences":[{"text":"Yep.","start":812.015,"end":812.515,"sentiment":"neutral","sentiment_score":0.09959113597869872},{"text":"We'll get on to the BPA right now, and then I'll put that plan together.","start":812.73505,"end":815.935,"sentiment":"neutral","sentiment_score":0.13197024812301},{"text":"Michelle will give you a call once it's done just to book you in, and we'll go through it together.","start":815.935,"end":820.435,"sentiment":"neutral","sentiment_score":0.11971458941698074}],"sentiment":"neutral","sentiment_score":0.1242621290600962,"channel":0,"num_words":36,"start":812.015,"end":820.435},{"sentences":[{"text":"Yep.","start":820.14,"end":820.64,"sentiment":"neutral","sentiment_score":0.1383582502603531},{"text":"No worries.","start":821.98,"end":822.72003,"sentiment":"neutral","sentiment_score":0.2819153368473053}],"sentiment":"neutral","sentiment_score":0.23406297465165457,"channel":1,"num_words":3,"start":820.14,"end":822.72003},{"sentences":[{"text":"You're amazing, Anu.","start":823.25,"end":824.21,"sentiment":"positive","sentiment_score":0.5948533813158671},{"text":"Anything else before I let you go, mate?","start":824.21,"end":825.83,"sentiment":"neutral","sentiment_score":0.16607221215963364}],"sentiment":"neutral","sentiment_score":0.28301253102042456,"channel":0,"num_words":11,"start":823.25,"end":825.83},{"sentences":[{"text":"No.","start":826.46,"end":826.62,"sentiment":"neutral","sentiment_score":0.0839461237192154},{"text":"That's thank you.","start":826.62,"end":828.16,"sentiment":"positive","sentiment_score":0.34961538513501483}],"sentiment":"neutral","sentiment_score":0.283198069781065,"channel":1,"num_words":4,"start":826.46,"end":828.16},{"sentences":[{"text":"Awesome.","start":827.97003,"end":828.37006,"sentiment":"neutral","sentiment_score":0.11144664883613586},{"text":"Mate, you know, you have a fantastic day, and I'll talk to you in about a week or two, Max.","start":828.37006,"end":832.31006,"sentiment":"positive","sentiment_score":0.5342298105359078}],"sentiment":"positive","sentiment_score":0.5140972790263948,"channel":0,"num_words":21,"start":827.97003,"end":832.31006},{"sentences":[{"text":"No.","start":832.86,"end":833.1,"sentiment":"neutral","sentiment_score":-0.075084388256073},{"text":"It's open.","start":833.1,"end":833.9,"sentiment":"neutral","sentiment_score":0.14443513751029968},{"text":"Thank you very much.","start":833.9,"end":835.235,"sentiment":"positive","sentiment_score":0.7742300480604172}],"sentiment":"positive","sentiment_score":0.4729580112865993,"channel":1,"num_words":7,"start":832.86,"end":835.235},{"sentences":[{"text":"Thank you for calling back, mate.","start":835.24493,"end":836.5249,"sentiment":"positive","sentiment_score":0.7160072227319082},{"text":"Talk to you soon.","start":836.5249,"end":837.3449,"sentiment":"positive","sentiment_score":0.48769690096378326}],"sentiment":"positive","sentiment_score":0.6246830940246582,"channel":0,"num_words":10,"start":835.24493,"end":837.3449},{"sentences":[{"text":"Oh, thank you.","start":838.335,"end":839.315,"sentiment":"positive","sentiment_score":0.5802004337310791}],"sentiment":"positive","sentiment_score":0.5802004337310791,"channel":1,"num_words":3,"start":838.335,"end":839.315},{"sentences":[{"text":"Bye.","start":839.80493,"end":840.30493,"sentiment":"neutral","sentiment_score":-0.11952310055494308}],"sentiment":"neutral","sentiment_score":-0.11952310055494308,"channel":0,"num_words":1,"start":839.80493,"end":840.30493}]},"summary":{"result":"success","short":"The representative explains the fees and returns associated with different options and suggests a plan for the customer to review. They also discuss lower fee options and the risk of losing money if the fee goes down. The agent updates the customer's income and property details, discusses retirement plans, and provides information on their tax return and loan usage. The customer discusses their income and property, their retirement plans, and their insurance coverage for accidents and illnesses with the agent. The agent offers to send a quote for life insurance and confirms the customer is doing well. They agree to talk again in a week or two after receiving the quote."},"intents":{"segments":[{"text":"So where we're leaving off before, mate, is I was talking about making a change to the investments. You were saying you're not happy that it didn't grow this year, that kind of thing. That makes Look.","start_word":45,"end_word":81,"intents":[{"intent":"Change investments","confidence_score":0.2565068}]},{"text":"And you And one you have of you have you have experts there, you know, keep looking at the market, you know, what's going on and things like that. True? Yeah.","start_word":151,"end_word":181,"intents":[{"intent":"Discuss market questions","confidence_score":0.000020379195}]},{"text":"So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off. Okay.","start_word":197,"end_word":231,"intents":[{"intent":"Report investment issue","confidence_score":0.0050306795}]},{"text":"Well, you know, I was just getting, you know, like I don't know. I'm not satisfied. That's the problem. I don't Yeah.","start_word":285,"end_word":306,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.21878506}]},{"text":"But, you know, when I checked with my friends, you know, they should perform around, you know, 8%, 7%, 9%. And this one, you know, if I if it's perform 9%, you know, it should, you know, be more than my account, Yeah.","start_word":325,"end_word":367,"intents":[{"intent":"Educate on options","confidence_score":0.0028449767}]},{"text":"This one's pay higher fees on that option that went down. So I was considering going to a low fee option.","start_word":677,"end_word":697,"intents":[{"intent":"Evaluate high fees/low fee options","confidence_score":0.0000016631942}]},{"text":"So I'm thinking a little bit less in Australia and a different fund manager for lower fees, and I think that will bring it back up to about 12 to 14%.","start_word":1023,"end_word":1053,"intents":[{"intent":"Reduce fees","confidence_score":0.0060513886}]},{"text":"But I have to put it in the document for you to see first, though, because I've got to show you the difference and the projection and show you what it looks like.","start_word":1056,"end_word":1088,"intents":[{"intent":"Show difference","confidence_score":0.22494458},{"intent":"Put document","confidence_score":0.006069613}]},{"text":"I need a BSP number and account number or something to just transfer the funds or, Yep.","start_word":1228,"end_word":1244,"intents":[{"intent":"Obtain bpa number","confidence_score":0.024443984}]},{"text":"didn't make money, you know, at least $45, I have. I try Cool.","start_word":1328,"end_word":1340,"intents":[{"intent":"Make money","confidence_score":0.0029285727}]},{"text":"We'll transfer Darwin now. Just the BPAY.","start_word":1396,"end_word":1402,"intents":[{"intent":"Transfer call","confidence_score":0.010184188},{"intent":"Transfer call","confidence_score":0.0059087826}]},{"text":"In one simple email, please. Yep.","start_word":1409,"end_word":1414,"intents":[{"intent":"Send email","confidence_score":0.06228489},{"intent":"Update contact info","confidence_score":0.0005298766}]},{"text":"For the projections, do you want me to put zero contributions for the next ten years, or do you want me to put, like, an estimate just so you can see what it looks like?","start_word":1423,"end_word":1457,"intents":[{"intent":"Share projections","confidence_score":0.0029826516}]},{"text":"I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's Yep.","start_word":2194,"end_word":2215,"intents":[{"intent":"Ask about cost","confidence_score":0.000008267883}]},{"text":"I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's Yep. not very good. I can leave that alone. Yep. Cool. Alright, mate. Anything else I can help you with before I let you go? No. No.","start_word":2194,"end_word":2241,"intents":[{"intent":"Assist with questions","confidence_score":0.0003307309}]},{"text":"Not at this stage. You know? But if you can put a plan together and make sure the beef and things like that, you know, like, I can. Yep.","start_word":2242,"end_word":2270,"intents":[{"intent":"Put a plan together","confidence_score":0.00046277052}]}]},"sentiments":{"segments":[{"text":"No Anu, thank you for calling back, mate. Appreciate that.","start_word":0,"end_word":9,"sentiment":"positive","sentiment_score":0.4100314676761627},{"text":"worries. Have I caught you at work at the moment? Sorry? Did I catch you at work, or are you are you free? Yeah. No. No. It's alright. It's alright. I'm free now.","start_word":10,"end_word":42,"sentiment":"neutral","sentiment_score":0.04568293318152428},{"text":"Perfect. Perfect.","start_word":43,"end_word":44,"sentiment":"positive","sentiment_score":0.5213768482208252},{"text":"So where we're leaving off before, mate, is I was talking about making a change to the investments.","start_word":45,"end_word":62,"sentiment":"neutral","sentiment_score":-0.009092694148421288},{"text":"You were saying you're not happy that it didn't grow this year, that kind of thing.","start_word":63,"end_word":78,"sentiment":"negative","sentiment_score":-0.4205321669578552},{"text":"That makes Look. My understanding was that, you know, like, you keep monitoring my super fund. sense? And, Yeah. you know, like, it was the money in one of the fund and, you know, like, it it shouldn't take one year to make the changes. You know, if you're seeing, you know, three to four months' time, you know, it's not making, it's losing, you should put it into somewhere else. Yeah. And you And one you have of you have you have experts there, you know, keep looking at the market, you know, what's going on and things like that. True? Yeah. But that didn't that didn't work out that way, I believe, this time. yeah. Yeah. So when we notice an issue on an investment, say March, we put a flag on it to talk to you about it, and we can't make it a change unless you sign off. Okay. So what we usually do is we go March, it's doing bad. I'm gonna put a flag, and we've already researched the option to switch it to. And then I go, hey, Anu. Mate, this has happened. I wanna change it to this. Are you okay with that? That's generally what we do.","start_word":79,"end_word":284,"sentiment":"neutral","sentiment_score":-0.1240462213754654},{"text":"Well, you know, I was just getting, you know, like I don't know. I'm not satisfied. That's the problem.","start_word":285,"end_word":303,"sentiment":"negative","sentiment_score":-0.4204576015472412},{"text":"I don't Yeah. know.","start_word":304,"end_word":307,"sentiment":"neutral","sentiment_score":-0.2635929584503174},{"text":"Maybe it's lack of my knowledge.","start_word":308,"end_word":313,"sentiment":"negative","sentiment_score":-0.4132711589336395},{"text":"I don't know. But I'm not too sure. You know? But, you know, when I checked with my friends, you know, they should perform around, you know, 8%, 7%, 9%. And this one, you know, if I if it's perform 9%, you know, it should, you know, be more than my account, Yeah. Like it did I believe. last year kind of thing. So I don't know what So what, man? I don't no. know That's what this is gonna take, man. You know? that easy, easy fix. So part of my job in the review is to talk about the options for you, and then you can make a decision after we go through the options. If you're not satisfied, you don't have to sign on for the service. We can, you know, roll the super back, that kind of thing.","start_word":314,"end_word":455,"sentiment":"neutral","sentiment_score":0.02646343903222554},{"text":"But at the moment, I would love for you to be able to let me do that comparison and show you what we wanna put you into, Yep.","start_word":456,"end_word":483,"sentiment":"positive","sentiment_score":0.47154927253723145},{"text":"Mhmm. and then you can make a decision from there if you're happy or not. And then I can help Yep. you from there either way. Okay. K? So don't sign any documents that we've sent you through today. I will do the comparison and show you what I'm thinking, and then you can say, Yep. yes, Tommy. Do this. No, Tommy. Move me back. Okay. Okay? So I'm not gonna I'm not gonna hold you down and then say, no.","start_word":484,"end_word":564,"sentiment":"neutral","sentiment_score":0.042684804648160934},{"text":"No. No. No. No.","start_word":565,"end_word":568,"sentiment":"negative","sentiment_score":-0.3538842797279358},{"text":"You have to stay. I wanna make sure that I do good by you and that you're happy with it. And if not, I can I can help you go where you need to? But just give me that chance Yep. to put down the options for you so you can see in writing, and then you can choose. Yep. Okay. Yep.","start_word":569,"end_word":630,"sentiment":"neutral","sentiment_score":0.13732050359249115},{"text":"Cool.","start_word":631,"end_word":631,"sentiment":"positive","sentiment_score":0.4314538240432739},{"text":"Yep. I do have one question for you. Yep. So there's about 1,000 options. I found two. Yep. Yep. Do you have a preference between low fees or pay higher fees, get higher return? Can you choose Where between where the I two? am now? This one's pay higher fees on that option that went down. So I was considering going to a low fee option. How much I'm paying with you, sir? So the fee for that option is 0.9%, and the one I'm looking at is 0.2. I found a cheaper one. K? You Okay. don't Zero have to point nine. What is the difference when I'm paying higher fees and lower fees? You know, what service difference? so the difference is that if the Australian market goes 10%, well, if you're gonna pay an extra half a percent of fees, you wanna get an extra two, three percent return above the Australian market. Yeah. Okay. But if you're paying the low fee one, it follows the market and does the 10% that the market did.","start_word":632,"end_word":809,"sentiment":"neutral","sentiment_score":0.02336426003930274},{"text":"And then the risk is if you pay the higher fees and they do a bad job, well, then you get less than the market.","start_word":810,"end_word":834,"sentiment":"negative","sentiment_score":-0.5370025634765625},{"text":"Okay. Who who if I pay you the fees, then you should do the oh, you you mean talking about the super fund? Yeah. So what I'm saying is within the super fund is I'm gonna fire one of the fund managers and switch them with somebody else, and I just wanna go more to the low fee guys because they're a bit more consistent. So the Australian market super fund is making 10 No. I think the Australian market, it went up 4%.","start_word":835,"end_word":918,"sentiment":"neutral","sentiment_score":-0.12371649593114852},{"text":"Not too good for Australia.","start_word":919,"end_word":923,"sentiment":"negative","sentiment_score":-0.5794613361358643},{"text":"America was a lot percent. Right? Oh, okay. Some of my investment was in America, higher. American market or no? Yes. That's right. So the portion that's in Australia, that's the portion that did bad. The portion that's in America, that went up 12%. The gold went up 12%. All the other portions did fine. It was just the Australia portion that went down. Okay. How much was it invested in Australia? I think about usually somewhere between 2040% is usually in Australia, about 40% international, and the rest is like gold and and other assets. Okay. K? So I'm thinking a little bit less in Australia and a different fund manager for lower fees, and I think that will bring it back up to about 12 to 14%. 12 to 40. But I have to put it in the document for you to see first, though, because I've got to show you the difference and the projection and show you what it looks like. Anyway, one more year we have a look, you know, like, the 12 let's see if we're gonna get any better. You Yeah. know? Okay. Better Absolutely. returns. You know? Absolutely. So what I'll do is, again, don't sign anything today. I wanna show you the plan first. Yep. Now it's still in high growth, high returns. You don't want me to change the risk level, just fix up the options. Yep. Yeah.","start_word":924,"end_word":1161,"sentiment":"neutral","sentiment_score":0.0178361224996693},{"text":"That's Perfect.","start_word":1162,"end_word":1163,"sentiment":"positive","sentiment_score":0.5599474906921387},{"text":"right. There haven't been any contributions going in yet, and we did talk last year about maybe doing every three months or something. Do you want me to just put zero If I contributions you know, end at the of moment? the problem is that I didn't get you know, like, I I need a specific I asked you a specific thing. You know? I need a BSP number and account number or something to just transfer the funds or, Yep. you know, And like, you didn't get that? I didn't I didn't get so, you know, like, I just get a vague email from you guys, you know, but I didn't get it quite you know what I mean? You know, that's Yeah. Yeah. Well, if I let me if get I get Michelle that, you know, to at sort least that I out will for you be today. 1, you know, $45. You know what I mean? Even Yeah. if I Absolutely. didn't make money, you know, at least $45, I have. I try Cool. to I'm gonna get twice. You know? I just need a one option, you know, either bill or card, BPAY, you know, something like that you Yeah. can BPAY give to is probably easier. me. Yeah. Do the BPAY. Just one you know, don't put you know, there's 100,000,000 options today. You can do this. We'll transfer Darwin now. Just the BPAY. Yeah. Just the That's one. it. In one simple email, please. Yep. Alright. I'll get Michelle to do that today. For the projections, do you want me to put zero contributions for the next ten years, or do you want me to put, like, an estimate just so you can see what it looks like? Just estimate around, you know, $4 a year. $4. Easy done. $44 contribution. Yep.","start_word":1164,"end_word":1471,"sentiment":"neutral","sentiment_score":-0.022015009704348328},{"text":"Perfect.","start_word":1472,"end_word":1472,"sentiment":"positive","sentiment_score":0.5487639904022217},{"text":"So $4 contributions, high growth, BPA details today. You sort out the beneficiary already, which is your partner and child on the super, so that's looking Yeah.","start_word":1473,"end_word":1499,"sentiment":"neutral","sentiment_score":0.22278015315532684},{"text":"That's pretty good. right.","start_word":1500,"end_word":1503,"sentiment":"positive","sentiment_score":0.5453766584396362},{"text":"Yep. Mate, how are you going with all the the work and property and everything at the moment? I'm doing alright. Yes. Are you still doing the truck driving? Yay. I'm still doing the truck. Yep. Yeah. And is it just ABN sole trader? You don't you haven't opened up a company now, have you? Perfect. Alright. Last couple of details I wanna update with you is one child married, a 100,000 for the income. Do you know what your tax return's looking like this year? Yep. And the house, 550,000, 400,000 owing. Yep. And car and a credit card. Yep. That's it.","start_word":1504,"end_word":1606,"sentiment":"neutral","sentiment_score":0.06446945667266846},{"text":"Awesome.","start_word":1607,"end_word":1607,"sentiment":"positive","sentiment_score":0.42694345116615295},{"text":"Did you manage to put anything into savings? No. Not much. You know, I just bought a land, you know, which is my savings in order nice to spend, you know, $100 buying in land. Oh, wow. Did you get a loan for that or just straight up 100,000? No. You know, like, a 140,000 is my contribution, but it's still the loan. Right. 40,000 you put in and it's a $100,000 lent? No. 140 and $48.94. 300,000. Gotcha. Okay. Let me just put that in. So a 140,000, you put in the 40,000 Yeah. and valued at 300, did you say? Rather than 450. 450. Okay. And so did you just add a bit of a loan onto the mortgage, or is it separate? That's separate. Separate. And that loan's for the difference or the $1.40? Yep. That's not the big deal for you guys. It's not Yeah. No. That's fine. something. It's just to update the details.","start_word":1608,"end_word":1766,"sentiment":"neutral","sentiment_score":0.0034683398527544248},{"text":"That's all good.","start_word":1767,"end_word":1769,"sentiment":"positive","sentiment_score":0.5724891424179077},{"text":"Last question. Did you put a will in place? No. I haven't put anything in place. No. That's okay. I'll I'll include deliver reminder there. That's alright. Yep.","start_word":1770,"end_word":1797,"sentiment":"neutral","sentiment_score":0.049226704984903336},{"text":"Easy done.","start_word":1798,"end_word":1799,"sentiment":"positive","sentiment_score":0.4033676087856293},{"text":"Okay. So mortgage is the focus. Business is the focus.","start_word":1800,"end_word":1809,"sentiment":"neutral","sentiment_score":0.2527005970478058},{"text":"Fix up the super.","start_word":1810,"end_word":1813,"sentiment":"positive","sentiment_score":0.4567855894565582},{"text":"Let you have a look at that one. Anything else that's the main thing for you? No. Not last emails. That's should do the job. You know? Cool. I do wanna ask you one other question. I did a bit of a hunt around last year for you for the old life Yep. insurance, and Yep. it did not come out looking good, obviously, with the Yeah. polycystic kidney disease and so on. There Yep. was a little bit of accident only life insurance, but it's Yep. not for any illness, only accident, you know, injury, car accident, things like that. Yep. Oh, okay. Did you want me to just send you a quote for the we were talking about 500,000, a million of of life insurance. Do you wanna see what that looks like if it's, you know, a thousand bucks, 4,000 You know, bucks, 100? when when is that an accidental, you said, you know, that money I'm gonna leave, I said, you know, if anything happens, anything any I didn't I, you know, I still have, you know, some damages. They still pay some money or no? No. It's only just if you pass away, lump sum. That's it. That's it. Okay. If I if I come something accident happened, I come work. I'm still alive. You know, they won't cover anything. Yeah. No. Then it's straight on to Centrelink and things like that. Okay. Yeah. So it's not income protection. It's not disability. It's just life insurance. Okay. And it's only cover accidental stuff, you know, like, nothing like okay. I'll go forward with the $3.50. That's alright. If anything wrong with my $3.50 and how you die, I don't I don't get any money paid. But if there's something else, you know, like, if I go to cancer, if if I, you know, like, Not even a public. cancer. The accident only ones are only for, like, injury. So if there's a disease, it's no. Yeah. It's probably the worst insurance you can get for life insurance, but it's the only one that you can get without any medical check. Nah. You know, we've been accidentally now that's Yep. Do you want me to leave that as a no? not to see that. Yeah. Look. I had to ask the question just in case if you wanted it, but it's it's again, it's expensive and it's Yep.","start_word":1814,"end_word":2215,"sentiment":"neutral","sentiment_score":-0.06633597801425564},{"text":"not very good. I can leave that alone.","start_word":2216,"end_word":2223,"sentiment":"negative","sentiment_score":-0.4557809829711914},{"text":"Yep. Cool. Alright, mate. Anything else I can help you with before I let you go? No. No. Not at this stage. You know? But if you can put a plan together and make sure the beef and things like that, you know, like, I can. Yep. Yep. We'll get on to the BPA right now, and then I'll put that plan together. Michelle will give you a call once it's done just to book you in, and we'll go through it together. Yep. No worries.","start_word":2224,"end_word":2309,"sentiment":"neutral","sentiment_score":0.060147471725940704},{"text":"You're amazing, Anu.","start_word":2310,"end_word":2312,"sentiment":"positive","sentiment_score":0.5893468856811523},{"text":"Anything else before I let you go, mate? No.","start_word":2313,"end_word":2321,"sentiment":"neutral","sentiment_score":0.1638001650571823},{"text":"That's thank you. Awesome. Mate, you know, you have a fantastic day, and I'll talk to you in about a week or two, Max.","start_word":2322,"end_word":2345,"sentiment":"positive","sentiment_score":0.5085338552792867},{"text":"No. It's open.","start_word":2346,"end_word":2348,"sentiment":"neutral","sentiment_score":0.08406762778759003},{"text":"Thank you very much. Thank you for calling back, mate. Talk to you soon. Oh, thank you. Bye.","start_word":2349,"end_word":2366,"sentiment":"positive","sentiment_score":0.6080947518348694}],"average":{"sentiment":"neutral","sentiment_score":-0.0007953721423481786}}}}