{"metadata":{"transaction_key":"deprecated","request_id":"019e6bfe-27bb-7ce2-b262-b99ee6f914be","sha256":"951b73ed4b45c4c4cb04f9a23002a57dffb7fd1f9cfd9bd20ad17f270aeb744b","created":"2026-05-28T00:31:21.514Z","duration":1608.408,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5777,"output_tokens":140},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6460,"output_tokens":6473},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6460,"output_tokens":532}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Susan. It's Tommy here, senior adviser from. How are you going today? I'm living the dream. It's beautiful, cold, and wet just the way we like it. What about your end? Oh, no. The old post holiday blues. I know. I know. It resets very quickly, doesn't it? Perfect. Perfect time to do an annual review for your superannuation. So what I'm gonna do today is I've got a bit of an email pack that I'm just prepping up to send for review. In the meantime, do you mind if I just quickly check security with you? Perfect. Do you remember your Oakview password by any chance? For some reason, we don't have a prompt on there. So what I'll do is I'll just check date of birth and address, and then I'll add the prompt on there. Because once you have k. And address? Perfect. Alright. So the the password is actually 300Diamond. Yep. So so do you want me to leave it as 300 Diamond or just Diamond? And I can put a prompt in. Yeah. The usual platform. Perfect. Now I'm just gonna check a couple of things as well before I send this through to you. Do you have access to your BigPond email to look onto the documents with me today? Perfect. So when I get those through, we'll update a few details. I'll go through your superannuation with you, and then we'll go through a couple of the attachments together. That is no worries at all. Alright. So I'm just gonna pop your email address in here. No. That's no worries at all. And you've got our 1300 number just to call through to the main line, and we'll pick it up from there? Yeah. I've still got you. It went choppy for a half a second, but I've got you. No. It's always away. You find that one corner of the house. Alright. So I'm gonna get this through to you in a moment. And, Susan, just while you're getting set up on the computer there, is there anything in particular you're hoping to get out of this year's review? Yep. Perfect. Alright. So what I'll do is I'll get this accent through to you. It's usually pretty instant. Once it comes through, it's the first time with our new system, it may go to your spam box. Just keep an eye out there as well. And that should be coming through in about twenty seconds. And other than that, has everything been going okay for you financially? Yeah. This day and age, that would be very welcome, wouldn't it? Yeah. Absolutely. And I talk to them every day. There's there's it's pretty much across the board at this point, so it wouldn't surprise me. Now has that popped through already? Yep. Yep. So don't hit any sign buttons now. That's just for, like, service agreement, but at the bottom is all of the annual review pack attachments. So what I've sent through is physical performance, your insurance certificates, financial services guide update, and a couple little visual documents there as well. Now goals wise, we had you wanting to retire a little bit earlier if possible, not waiting till 67, probably 63 if possible, and about a thousand dollars a week. And the main focus was basically just pay on the mortgage, maybe get an investment property, and then just have that nice stable base. Does that sound about right? Sensational. Anything else? Congratulations. Okay. And do they kind of rent it out on your behalf kind of thing? Yeah. Yeah. Yeah. Cool. So it's getting close to breaking even there, so not too bad on the cash flow. Yeah. I hit that a lot at the moment. Yeah. Can I just quickly check the in terms of, like, property value and debt owing on that property, could you just give me a bit of a a rough estimate on those? Six 70,000, and you've got that full amount on there essentially, and that's been leveraged off your home. Okay. So the home was previously 480,000 mowing. Do you know what the total combined would be? Would it be around that 1.15? Yep. Yep. Alright. Perfect. The only other assets we had listed was just a motor vehicle, and I'm just wondering if you have any have you managed to build up any like, emergency fund savings? Any cash or anything like that? Perfect. All just split between the different offset accounts. Yep. Yeah. Absolutely does. Alright. And the last thing I wanted to check with you, I'm assuming there's been no change, obviously, in address, email, phone, and still still married with Greg with no new dependents. And just in terms of occupation, so we had you teaching at a correctional center earning about 70 thousand. Fantastic. Love to hear it. Alright. I'll go I'll go specific. I'll go a 108. Alrighty. That's pretty good. And do you put anything like, obviously, you've got the extra repayments into the mortgage. Is there anything else that you put into in terms of surplus cash flow and the savings where you like every pay, a $102,100 goes off to here, or is it all just kind of bills and into the offset? Yep. There's cash. Yep. Perfect. Okay. So if you can go on to the insurance certificates with me just to start with, we have two there at the bottom of that email. So either one's fine. I've got both of them up in front of me. I just wanted to show you kind of what you've got and what we may need to adjust. Yep. So that should be about $42 a month, and that's your they call it critical illness or trauma cover, and that's your, like, heart attack, stroke, cancer, that kind of thing. K? Now that cover amount in premium obviously changes every year, and you've got an anniversary that's just gone by on the May 8. So just double checking that that premium hasn't jumped up too much to become unaffordable for you. Perfect. And then if you can open up the other certificate on just having a look at the life and disability insurance to start with. K. So it's gone up to $3.06. And then after the premium rebate, it goes down to 3,000 flat just about. That comes out of the super. And then if you go down, you've got the life, the TPD, the income protection. Now one thing that I've got to be very careful on is we can look at, like, increasing the cover a little bit. But once you hit that sort of mid fifties and start approaching 60, that jumps up very quickly. So I need to have a bit of a balancing act with you over the next five to ten years. So at the moment, 621,800 for the life insurance, a little bit less for the TBD because what we've done here is it's linked the TBD and the trauma to your life insurance to make it more affordable. So they kind of share that same pool of funds, and then there's, you know, buyback options and so on so you can claim on both for all three. K? So in terms of the previous mortgage, like, the the mortgage that you've got for your home, it's gonna cover that portion, but not the investment portion there as well. Are you thinking of just kind of bumping it up to, like, a million flats or cover the whole debt? What are you kind of thinking? Okay. Yeah. So what I might do is I'll do a bit of a quote for one mill, bump it up. I'm kind of thinking just based on proportions, it's probably gonna be about $750 extra coming out of the super for that is what I can kind of guesstimate. And then because your income's gone up, your contributions have gone up, so I'll just make sure that the premiums aren't too high compared to your contributions in growth. No worries. Outside of that, would you like me to look around to see if there's any other insurer that we should consider that may be offering a better deal? Because I'll do an operation quote with Compass, but do you want me to kind of shop around as well? So when I was mentioning before that your TPD, which is your total disability, and your trauma are linked to your life insurance. So what happens is, let's say, you have a heart attack and your trauma insurance pays out that $60,000 to you, it'll then reduce your life insurance by $60,000. And then the buyback, after a period of time, will fill it back up again. Same thing with CBD, permanent disability, pulls it down, fills it up, and then as long as there's a gap in between in time frame for the fill up to occur, then you can claim on both. Perfect. Yep. So Yeah. Per month. So if you're out of work for ninety days due to illness or injury, it'll kick in monthly amount of that, and that's gross. That's before tax. So think of it as just under $1,000 a week net of tax, and that goes up to three years maximum per injury or illness. So technically speaking, because the cover's maximum is 70% of your income, it was covering an income of 76,000 and 70% of that. Again, that then looks like it's underinsured compared to what we could be covered for with your income. But, again, pricing as well is a is a consideration there. So I can definitely have a look at an increase there as well. And then I'm gonna be very careful in terms of projections because if I've increased both of them, it's gonna slow down the growth of the server a little bit. Perfect. So yep. Yeah. Yep. Do you have any capacity to put in a little extra salary sacrifice wise to help cover some of the premiums? K. Because I'm kind of thinking, like, as a bit of a rule of thumb, based on your new tax bracket, if you put in, say, $50 a week just as an example, that probably cost you about 35 in your take home pay. K? So if that seems like a reasonable map, I can kind of add that into the projections and kinda show you the difference that that would make. Yeah. Perfect. It's kinda like forced savings, and it tends to work well for a lot of people. Yep. That's exactly right. If I go down just briefly to your estate planning, we have we did have a note, and I'm just double checking with the new system that you did have a will in place. K. Now do you remember putting in place a power of attorney where if you're in the hospital, someone can act on your behalf to talk to the doctors, all that kind of thing? Yep. Perfect. Alrighty. So any questions so far on the insurance or what state planning? Alright. And you're still happy, I'm assuming, for grade three listed as your beneficiary for the super and the life insurance? Perfect. Alrighty. Now do you have the sub 24 performance report handy in that email too? Perfect. Now I'm extremely impressed with how your service handled the recent market drop that happened in March from what happened overseas in the oil crisis. Your extra contributions did this really amazing thing where as the market dropped, they kept coming in a lot higher and bought into the market for whatever back up. So what's essentially happened was twelve months ago, you were at 77,000. Now you're just shy of 96,000. So it's kind of going up nicely quickly. And then in the recent situation, you had it drop all the way down to let me just quickly check this one date. That went to 90,000, and then it bounced immediately back up to that $95.07 $9.05 within a few weeks. Now how you kind of read these performance reports is all of your investment options are listed here, and the right hand side has the percentage returns if that rings a bell. K? So all of them are pretty well positive in the double digits. You can see a lot of twenties along there where the infrastructure, the agriculture, the gold, the American shares, everything's up really high. The only two that aren't up high is that bank hybrid in the middle, which is about that 4%. That's your defensive asset in terms of policy. So that's supposed to do about 4%. The one at the top is the only one that currently concerns me, which is the Australian shares portion, which has actually dropped 21.7%. So if you go to the next page, it'll have your whole portfolio across the one line. And basically, just shy of a 9% return after fees, which is basically exactly what you want for a growth portfolio as a long term average. What I would like to do is I just I really need to replace that one option because that drop is a little bit higher than all the other Australian shares options, and it it's kind of fallen out of the pack, that one option. So I do have one question for you. There's no wrong answers here. And, of course, I'll make a recommendation, but we can choose between any style of investment, and Hub has the most investment options in the country. So just to kind of shortlist that a little bit, do you have a preference between low fee investments or paying a bit higher fee to try and get a higher return? Cool. So that's the current style where we're blending both of those, and I can basically just compare an alternative that is doing better in that space for you. The last question I had regarding the super was just in terms of risk level. Now your yeah. So I have to, again, balance two things, which is if we're gonna retire in November, but then again, you wanna catch the super up, usually a growth profile, which you're in a growth, which is four out of five. That's recommended for eight to nine years, and high growth is recommended for, say, nine to ten years or above. So you do just have enough time to do a period of growth within a high growth setting and continuously buy into the market. Once you've gotten about six or seven years of good growth, we then start to reduce your risk level down. So instead of 90 shares in property, we can start reducing that as you go to pension phase. Yep. Okay. Perfect. So I'll compare a high growth portfolio with a bit of a a fix up on a couple of options, and I'll add in the different insurance premiums as well as the salary expense. Perfect. So what I've got to do from here basically is we're gonna research those comparisons, put your plans together over the next couple of weeks. And then I'm actually going on leave in about a week's time because I have my third baby is coming on the eleventh of June. Thank you. So we've got two boys and we got a daughter on the way, so I'm going paternity leave. But as the guide, because I don't have all the assets, shall we say, I'm only gonna take a couple of weeks and then a little bit little bit more further in the year. So basically, what I'm saying, Susan, is I'll get you booked in as soon as I get. Appreciate that. Thank you. Any questions on the direction so far? Because, obviously, I'll put it in a plan for you to read through, but does it make sense? Perfect. The last thing is we included your updated service agreement there. We've got there's no change in the fees, 1.65% that gets spread across monthly payments. And, again, no lock in for the twelve months, but it's just a consent so that we can still interact with the Superfund on your behalf. Alrighty. Any questions on that? Cool. Susan, have you ever used our new Odoo sign? Have you ever seen these emails with the purple buttons before? Cool. So it's just like a DocuSign. Yep. So you're used to it. Yep. Yes, please. Yeah. So what we've got for these forms is a consent to hold the tax phone number. And then there'll be a pop up to download a signed copy to your record. Sensational. Hey. The Wi Fi has held up pretty good in the reception, so that's been good. And I've just had it come through spring, so thank you for that. Alright, Susan. Do you have any questions for me before I let you go and enjoy the end of your week? Amazing. We'll send the usual feedback text message if you don't mind. And outside of that, I will talk to you again in a few weeks to go through your plan. Thank you. Thank you so much, Susan. I'll talk to you soon. 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morning, Susan. It's Tommy here, senior adviser from. How are you going today? I'm living the dream. It's beautiful, cold, and wet just the way we like it.\n\nWhat about your end? Oh, no. The old post holiday blues. I know. I know.\n\nIt resets very quickly, doesn't it? Perfect. Perfect time to do an annual review for your superannuation. So what I'm gonna do today is I've got a bit of an email pack that I'm just prepping up to send for review. In the meantime, do you mind if I just quickly check security with you?\n\nPerfect. Do you remember your Oakview password by any chance? For some reason, we don't have a prompt on there. So what I'll do is I'll just check date of birth and address, and then I'll add the prompt on there. Because once you have k.\n\nAnd address? Perfect. Alright. So the the password is actually 300Diamond. Yep.\n\nSo so do you want me to leave it as 300 Diamond or just Diamond? And I can put a prompt in. Yeah. The usual platform. Perfect.\n\nNow I'm just gonna check a couple of things as well before I send this through to you. Do you have access to your BigPond email to look onto the documents with me today? Perfect. So when I get those through, we'll update a few details. I'll go through your superannuation with you, and then we'll go through a couple of the attachments together.\n\nThat is no worries at all. Alright. So I'm just gonna pop your email address in here. No. That's no worries at all.\n\nAnd you've got our 1300 number just to call through to the main line, and we'll pick it up from there? Yeah. I've still got you. It went choppy for a half a second, but I've got you. No.\n\nIt's always away. You find that one corner of the house. Alright. So I'm gonna get this through to you in a moment. And, Susan, just while you're getting set up on the computer there, is there anything in particular you're hoping to get out of this year's review?\n\nYep. Perfect. Alright. So what I'll do is I'll get this accent through to you. It's usually pretty instant.\n\nOnce it comes through, it's the first time with our new system, it may go to your spam box. Just keep an eye out there as well. And that should be coming through in about twenty seconds. And other than that, has everything been going okay for you financially? Yeah.\n\nThis day and age, that would be very welcome, wouldn't it? Yeah. Absolutely. And I talk to them every day. There's there's it's pretty much across the board at this point, so it wouldn't surprise me.\n\nNow has that popped through already? Yep. Yep. So don't hit any sign buttons now. That's just for, like, service agreement, but at the bottom is all of the annual review pack attachments.\n\nSo what I've sent through is physical performance, your insurance certificates, financial services guide update, and a couple little visual documents there as well. Now goals wise, we had you wanting to retire a little bit earlier if possible, not waiting till 67, probably 63 if possible, and about a thousand dollars a week. And the main focus was basically just pay on the mortgage, maybe get an investment property, and then just have that nice stable base. Does that sound about right? Sensational.\n\nAnything else? Congratulations. Okay. And do they kind of rent it out on your behalf kind of thing? Yeah.\n\nYeah. Yeah. Cool. So it's getting close to breaking even there, so not too bad on the cash flow. Yeah.\n\nI hit that a lot at the moment. Yeah. Can I just quickly check the in terms of, like, property value and debt owing on that property, could you just give me a bit of a a rough estimate on those? Six 70,000, and you've got that full amount on there essentially, and that's been leveraged off your home. Okay.\n\nSo the home was previously 480,000 mowing. Do you know what the total combined would be? Would it be around that 1.15? Yep. Yep.\n\nAlright. Perfect. The only other assets we had listed was just a motor vehicle, and I'm just wondering if you have any have you managed to build up any like, emergency fund savings? Any cash or anything like that? Perfect.\n\nAll just split between the different offset accounts. Yep. Yeah. Absolutely does. Alright.\n\nAnd the last thing I wanted to check with you, I'm assuming there's been no change, obviously, in address, email, phone, and still still married with Greg with no new dependents. And just in terms of occupation, so we had you teaching at a correctional center earning about 70 thousand. Fantastic. Love to hear it. Alright.\n\nI'll go I'll go specific. I'll go a 108. Alrighty. That's pretty good. And do you put anything like, obviously, you've got the extra repayments into the mortgage.\n\nIs there anything else that you put into in terms of surplus cash flow and the savings where you like every pay, a $102,100 goes off to here, or is it all just kind of bills and into the offset? Yep. There's cash. Yep. Perfect.\n\nOkay. So if you can go on to the insurance certificates with me just to start with, we have two there at the bottom of that email. So either one's fine. I've got both of them up in front of me. I just wanted to show you kind of what you've got and what we may need to adjust.\n\nYep. So that should be about $42 a month, and that's your they call it critical illness or trauma cover, and that's your, like, heart attack, stroke, cancer, that kind of thing. K? Now that cover amount in premium obviously changes every year, and you've got an anniversary that's just gone by on the May 8. So just double checking that that premium hasn't jumped up too much to become unaffordable for you.\n\nPerfect. And then if you can open up the other certificate on just having a look at the life and disability insurance to start with. K. So it's gone up to $3.06. And then after the premium rebate, it goes down to 3,000 flat just about.\n\nThat comes out of the super. And then if you go down, you've got the life, the TPD, the income protection. Now one thing that I've got to be very careful on is we can look at, like, increasing the cover a little bit. But once you hit that sort of mid fifties and start approaching 60, that jumps up very quickly. So I need to have a bit of a balancing act with you over the next five to ten years.\n\nSo at the moment, 621,800 for the life insurance, a little bit less for the TBD because what we've done here is it's linked the TBD and the trauma to your life insurance to make it more affordable. So they kind of share that same pool of funds, and then there's, you know, buyback options and so on so you can claim on both for all three. K? So in terms of the previous mortgage, like, the the mortgage that you've got for your home, it's gonna cover that portion, but not the investment portion there as well. Are you thinking of just kind of bumping it up to, like, a million flats or cover the whole debt?\n\nWhat are you kind of thinking? Okay. Yeah. So what I might do is I'll do a bit of a quote for one mill, bump it up. I'm kind of thinking just based on proportions, it's probably gonna be about $750 extra coming out of the super for that is what I can kind of guesstimate.\n\nAnd then because your income's gone up, your contributions have gone up, so I'll just make sure that the premiums aren't too high compared to your contributions in growth. No worries. Outside of that, would you like me to look around to see if there's any other insurer that we should consider that may be offering a better deal? Because I'll do an operation quote with Compass, but do you want me to kind of shop around as well? So when I was mentioning before that your TPD, which is your total disability, and your trauma are linked to your life insurance.\n\nSo what happens is, let's say, you have a heart attack and your trauma insurance pays out that $60,000 to you, it'll then reduce your life insurance by $60,000. And then the buyback, after a period of time, will fill it back up again. Same thing with CBD, permanent disability, pulls it down, fills it up, and then as long as there's a gap in between in time frame for the fill up to occur, then you can claim on both. Perfect. Yep.\n\nSo Yeah. Per month. So if you're out of work for ninety days due to illness or injury, it'll kick in monthly amount of that, and that's gross. That's before tax. So think of it as just under $1,000 a week net of tax, and that goes up to three years maximum per injury or illness.\n\nSo technically speaking, because the cover's maximum is 70% of your income, it was covering an income of 76,000 and 70% of that. Again, that then looks like it's underinsured compared to what we could be covered for with your income. But, again, pricing as well is a is a consideration there. So I can definitely have a look at an increase there as well. And then I'm gonna be very careful in terms of projections because if I've increased both of them, it's gonna slow down the growth of the server a little bit.\n\nPerfect. So yep. Yeah. Yep. Do you have any capacity to put in a little extra salary sacrifice wise to help cover some of the premiums?\n\nK. Because I'm kind of thinking, like, as a bit of a rule of thumb, based on your new tax bracket, if you put in, say, $50 a week just as an example, that probably cost you about 35 in your take home pay. K? So if that seems like a reasonable map, I can kind of add that into the projections and kinda show you the difference that that would make. Yeah.\n\nPerfect. It's kinda like forced savings, and it tends to work well for a lot of people. Yep. That's exactly right. If I go down just briefly to your estate planning, we have we did have a note, and I'm just double checking with the new system that you did have a will in place.\n\nK. Now do you remember putting in place a power of attorney where if you're in the hospital, someone can act on your behalf to talk to the doctors, all that kind of thing? Yep. Perfect. Alrighty.\n\nSo any questions so far on the insurance or what state planning? Alright. And you're still happy, I'm assuming, for grade three listed as your beneficiary for the super and the life insurance? Perfect. Alrighty.\n\nNow do you have the sub 24 performance report handy in that email too? Perfect. Now I'm extremely impressed with how your service handled the recent market drop that happened in March from what happened overseas in the oil crisis. Your extra contributions did this really amazing thing where as the market dropped, they kept coming in a lot higher and bought into the market for whatever back up. So what's essentially happened was twelve months ago, you were at 77,000.\n\nNow you're just shy of 96,000. So it's kind of going up nicely quickly. And then in the recent situation, you had it drop all the way down to let me just quickly check this one date. That went to 90,000, and then it bounced immediately back up to that $95.07 $9.05 within a few weeks. Now how you kind of read these performance reports is all of your investment options are listed here, and the right hand side has the percentage returns if that rings a bell.\n\nK? So all of them are pretty well positive in the double digits. You can see a lot of twenties along there where the infrastructure, the agriculture, the gold, the American shares, everything's up really high. The only two that aren't up high is that bank hybrid in the middle, which is about that 4%. That's your defensive asset in terms of policy.\n\nSo that's supposed to do about 4%. The one at the top is the only one that currently concerns me, which is the Australian shares portion, which has actually dropped 21.7%. So if you go to the next page, it'll have your whole portfolio across the one line. And basically, just shy of a 9% return after fees, which is basically exactly what you want for a growth portfolio as a long term average. What I would like to do is I just I really need to replace that one option because that drop is a little bit higher than all the other Australian shares options, and it it's kind of fallen out of the pack, that one option.\n\nSo I do have one question for you. There's no wrong answers here. And, of course, I'll make a recommendation, but we can choose between any style of investment, and Hub has the most investment options in the country. So just to kind of shortlist that a little bit, do you have a preference between low fee investments or paying a bit higher fee to try and get a higher return? Cool.\n\nSo that's the current style where we're blending both of those, and I can basically just compare an alternative that is doing better in that space for you. The last question I had regarding the super was just in terms of risk level. Now your yeah. So I have to, again, balance two things, which is if we're gonna retire in November, but then again, you wanna catch the super up, usually a growth profile, which you're in a growth, which is four out of five. That's recommended for eight to nine years, and high growth is recommended for, say, nine to ten years or above.\n\nSo you do just have enough time to do a period of growth within a high growth setting and continuously buy into the market. Once you've gotten about six or seven years of good growth, we then start to reduce your risk level down. So instead of 90 shares in property, we can start reducing that as you go to pension phase. Yep. Okay.\n\nPerfect. So I'll compare a high growth portfolio with a bit of a a fix up on a couple of options, and I'll add in the different insurance premiums as well as the salary expense. Perfect. So what I've got to do from here basically is we're gonna research those comparisons, put your plans together over the next couple of weeks. And then I'm actually going on leave in about a week's time because I have my third baby is coming on the eleventh of June.\n\nThank you. So we've got two boys and we got a daughter on the way, so I'm going paternity leave. But as the guide, because I don't have all the assets, shall we say, I'm only gonna take a couple of weeks and then a little bit little bit more further in the year. So basically, what I'm saying, Susan, is I'll get you booked in as soon as I get. Appreciate that.\n\nThank you. Any questions on the direction so far? Because, obviously, I'll put it in a plan for you to read through, but does it make sense? Perfect. The last thing is we included your updated service agreement there.\n\nWe've got there's no change in the fees, 1.65% that gets spread across monthly payments. And, again, no lock in for the twelve months, but it's just a consent so that we can still interact with the Superfund on your behalf. Alrighty. Any questions on that? Cool.\n\nSusan, have you ever used our new Odoo sign? Have you ever seen these emails with the purple buttons before? Cool. So it's just like a DocuSign. Yep.\n\nSo you're used to it. Yep. Yes, please. Yeah. So what we've got for these forms is a consent to hold the tax phone number.\n\nAnd then there'll be a pop up to download a signed copy to your record. Sensational. Hey. The Wi Fi has held up pretty good in the reception, so that's been good. And I've just had it come through spring, so thank you for that.\n\nAlright, Susan. Do you have any questions for me before I let you go and enjoy the end of your week? Amazing. We'll send the usual feedback text message if you don't mind. And outside of that, I will talk to you again in a few weeks to go through your plan.\n\nThank you. Thank you so much, Susan. I'll talk to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Susan.","start":2.6399999,"end":3.6,"sentiment":"positive","sentiment_score":0.3730466067790985},{"text":"It's Tommy here, senior adviser from.","start":3.6,"end":5.52,"sentiment":"neutral","sentiment_score":0.28711385776599246},{"text":"How are you going today?","start":5.52,"end":6.58,"sentiment":"neutral","sentiment_score":0.32700193524360655},{"text":"I'm living the dream.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.6536142528057098},{"text":"It's beautiful, cold, and wet just the way we like it.","start":9.84,"end":12.88,"sentiment":"positive","sentiment_score":0.5322333330457861}],"sentiment":"positive","sentiment_score":0.4464088385475093,"num_words":29,"start":2.6399999,"end":12.88},{"sentences":[{"text":"What about your end?","start":12.88,"end":14.099999,"sentiment":"neutral","sentiment_score":0.05392540991306305},{"text":"Oh, no.","start":18.975,"end":19.615,"sentiment":"negative","sentiment_score":-0.37517648935317993},{"text":"The old post holiday blues.","start":19.615,"end":21.475,"sentiment":"negative","sentiment_score":-0.3938946485519409},{"text":"I know.","start":25.055,"end":25.615,"sentiment":"neutral","sentiment_score":-0.18420583754777908},{"text":"I know.","start":25.615,"end":25.935,"sentiment":"neutral","sentiment_score":-0.13907555490732193}],"sentiment":"neutral","sentiment_score":-0.2100458244482676,"num_words":15,"start":12.88,"end":25.935},{"sentences":[{"text":"It resets very quickly, doesn't it?","start":25.935,"end":27.955,"sentiment":"neutral","sentiment_score":-0.12241507942477863},{"text":"Perfect.","start":33.03,"end":33.53,"sentiment":"positive","sentiment_score":0.480818510055542},{"text":"Perfect time to do an annual review for your superannuation.","start":33.670002,"end":36.41,"sentiment":"positive","sentiment_score":0.45992977619171144},{"text":"So what I'm gonna do today is I've got a bit of an email pack that I'm just prepping up to send for review.","start":39.67,"end":45.335,"sentiment":"neutral","sentiment_score":0.17256515535215536},{"text":"In the meantime, do you mind if I just quickly check security with you?","start":46.355,"end":49.655,"sentiment":"neutral","sentiment_score":0.04489352820175035}],"sentiment":"neutral","sentiment_score":0.16573998034000398,"num_words":55,"start":25.935,"end":49.655},{"sentences":[{"text":"Perfect.","start":51.074997,"end":51.475,"sentiment":"neutral","sentiment_score":0.14844933152198792},{"text":"Do you remember your Oakview password by any chance?","start":51.475,"end":54.375,"sentiment":"neutral","sentiment_score":0.047756688255402774},{"text":"For some reason, we don't have a prompt on there.","start":62.449997,"end":64.61,"sentiment":"neutral","sentiment_score":-0.05562291983515024},{"text":"So what I'll do is I'll just check date of birth and address, and then I'll add the prompt on there.","start":64.61,"end":73.034996,"sentiment":"neutral","sentiment_score":0.004218647722154856},{"text":"Because once you have k.","start":73.134995,"end":80.375,"sentiment":"neutral","sentiment_score":0.0068421391770243645}],"sentiment":"neutral","sentiment_score":0.003148535337380093,"num_words":46,"start":51.074997,"end":80.375},{"sentences":[{"text":"And address?","start":80.375,"end":81.115005,"sentiment":"neutral","sentiment_score":0.008250752463936806},{"text":"Perfect.","start":86.03,"end":86.53,"sentiment":"neutral","sentiment_score":0.1387472003698349},{"text":"Alright.","start":86.59,"end":87.07,"sentiment":"neutral","sentiment_score":0.04997853934764862},{"text":"So the the password is actually 300Diamond.","start":87.07,"end":90.28999,"sentiment":"neutral","sentiment_score":0.03253416983144624},{"text":"Yep.","start":92.43,"end":92.93,"sentiment":"neutral","sentiment_score":0.023208757862448692}],"sentiment":"neutral","sentiment_score":0.038014599277327456,"num_words":12,"start":80.375,"end":92.93},{"sentences":[{"text":"So so do you want me to leave it as 300 Diamond or just Diamond?","start":93.07,"end":98.435005,"sentiment":"neutral","sentiment_score":0.00788570921868086},{"text":"And I can put a prompt in.","start":98.435005,"end":99.815,"sentiment":"neutral","sentiment_score":0.011249137111008167},{"text":"Yeah.","start":102.355,"end":102.855,"sentiment":"neutral","sentiment_score":0.006861317902803421},{"text":"The usual platform.","start":106.595,"end":108.775,"sentiment":"neutral","sentiment_score":-0.009398832606772581},{"text":"Perfect.","start":111.630005,"end":112.130005,"sentiment":"neutral","sentiment_score":-0.013371944427490234}],"sentiment":"neutral","sentiment_score":0.006011943470824648,"num_words":27,"start":93.07,"end":112.130005},{"sentences":[{"text":"Now I'm just gonna check a couple of things as well before I send this through to you.","start":113.55,"end":117.23,"sentiment":"neutral","sentiment_score":0.056678531691432},{"text":"Do you have access to your BigPond email to look onto the documents with me today?","start":117.23,"end":121.01,"sentiment":"neutral","sentiment_score":0.07093675923533738},{"text":"Perfect.","start":124.134995,"end":124.615,"sentiment":"positive","sentiment_score":0.6530030965805054},{"text":"So when I get those through, we'll update a few details.","start":124.615,"end":127.435,"sentiment":"positive","sentiment_score":0.37519521063024347},{"text":"I'll go through your superannuation with you, and then we'll go through a couple of the attachments together.","start":128.375,"end":132.715,"sentiment":"neutral","sentiment_score":0.23402788241704306}],"sentiment":"neutral","sentiment_score":0.17418521898798645,"num_words":64,"start":113.55,"end":132.715},{"sentences":[{"text":"That is no worries at all.","start":138.95,"end":141.20999,"sentiment":"neutral","sentiment_score":-0.014428195543587208},{"text":"Alright.","start":150.325,"end":150.565,"sentiment":"neutral","sentiment_score":0.14729681611061096},{"text":"So I'm just gonna pop your email address in here.","start":150.565,"end":152.985,"sentiment":"neutral","sentiment_score":0.11532244086265564},{"text":"No.","start":166.98,"end":167.14,"sentiment":"neutral","sentiment_score":0.10247589647769928},{"text":"That's no worries at all.","start":167.14,"end":168.52,"sentiment":"neutral","sentiment_score":0.16229038089513778}],"sentiment":"neutral","sentiment_score":0.09251651532300141,"num_words":23,"start":138.95,"end":168.52},{"sentences":[{"text":"And you've got our 1300 number just to call through to the main line, and we'll pick it up from there?","start":170.58,"end":175.575,"sentiment":"neutral","sentiment_score":0.09787457134752046},{"text":"Yeah.","start":178.775,"end":179.015,"sentiment":"neutral","sentiment_score":0.006352159194648266},{"text":"I've still got you.","start":179.015,"end":179.735,"sentiment":"neutral","sentiment_score":-0.037148232106119394},{"text":"It went choppy for a half a second, but I've got you.","start":179.735,"end":182.075,"sentiment":"neutral","sentiment_score":-0.12364763828615348},{"text":"No.","start":185.495,"end":185.735,"sentiment":"neutral","sentiment_score":-0.2401195466518402}],"sentiment":"neutral","sentiment_score":0.004852154435446629,"num_words":39,"start":170.58,"end":185.735},{"sentences":[{"text":"It's always away.","start":185.735,"end":186.455,"sentiment":"neutral","sentiment_score":-0.2562348246574402},{"text":"You find that one corner of the house.","start":186.455,"end":188.235,"sentiment":"neutral","sentiment_score":-0.2197575494647026},{"text":"Alright.","start":192.91,"end":193.41,"sentiment":"neutral","sentiment_score":0.06809097528457642},{"text":"So I'm gonna get this through to you in a moment.","start":193.71,"end":196.45001,"sentiment":"neutral","sentiment_score":0.1253141171552918},{"text":"And, Susan, just while you're getting set up on the computer there, is there anything in particular you're hoping to get out of this year's review?","start":202.925,"end":208.465,"sentiment":"neutral","sentiment_score":0.055671156742251836}],"sentiment":"neutral","sentiment_score":0.007494519787783526,"num_words":49,"start":185.735,"end":208.465},{"sentences":[{"text":"Yep.","start":223.29,"end":223.79,"sentiment":"neutral","sentiment_score":0.1559649556875229},{"text":"Perfect.","start":223.93,"end":224.43,"sentiment":"positive","sentiment_score":0.34266793727874756},{"text":"Alright.","start":224.49,"end":224.89,"sentiment":"neutral","sentiment_score":0.22956310212612152},{"text":"So what I'll do is I'll get this accent through to you.","start":224.89,"end":227.37,"sentiment":"neutral","sentiment_score":0.2038303092122078},{"text":"It's usually pretty instant.","start":227.37,"end":228.83,"sentiment":"neutral","sentiment_score":0.24516023322939873}],"sentiment":"neutral","sentiment_score":0.21867371781876213,"num_words":19,"start":223.29,"end":228.83},{"sentences":[{"text":"Once it comes through, it's the first time with our new system, it may go to your spam box.","start":229.655,"end":233.91501,"sentiment":"neutral","sentiment_score":0.09161285585478733},{"text":"Just keep an eye out there as well.","start":234.135,"end":235.91501,"sentiment":"neutral","sentiment_score":0.11070054490119219},{"text":"And that should be coming through in about twenty seconds.","start":236.535,"end":241.595,"sentiment":"neutral","sentiment_score":0.195090089738369},{"text":"And other than that, has everything been going okay for you financially?","start":242.31,"end":246.57,"sentiment":"neutral","sentiment_score":0.12915618577972054},{"text":"Yeah.","start":253.75,"end":254.25,"sentiment":"positive","sentiment_score":0.33662688732147217}],"sentiment":"neutral","sentiment_score":0.1292730126902461,"num_words":50,"start":229.655,"end":254.25},{"sentences":[{"text":"This day and age, that would be very welcome, wouldn't it?","start":255.705,"end":259.405,"sentiment":"positive","sentiment_score":0.41722145676612854},{"text":"Yeah.","start":266.185,"end":266.585,"sentiment":"neutral","sentiment_score":0.16412171721458435},{"text":"Absolutely.","start":266.585,"end":267.085,"sentiment":"positive","sentiment_score":0.3770595192909241},{"text":"And I talk to them every day.","start":267.305,"end":268.905,"sentiment":"neutral","sentiment_score":0.30645157183919636},{"text":"There's there's it's pretty much across the board at this point, so it wouldn't surprise me.","start":268.905,"end":274.28,"sentiment":"neutral","sentiment_score":0.30867556668817997}],"sentiment":"positive","sentiment_score":0.33929409252272713,"num_words":36,"start":255.705,"end":274.28},{"sentences":[{"text":"Now has that popped through already?","start":277.94,"end":280.36,"sentiment":"neutral","sentiment_score":0.08331379666924477},{"text":"Yep.","start":285.075,"end":285.575,"sentiment":"neutral","sentiment_score":0.06604323536157608},{"text":"Yep.","start":287.95502,"end":288.355,"sentiment":"neutral","sentiment_score":0.04617898166179657},{"text":"So don't hit any sign buttons now.","start":288.355,"end":291.17502,"sentiment":"neutral","sentiment_score":-0.008364009404821056},{"text":"That's just for, like, service agreement, but at the bottom is all of the annual review pack attachments.","start":291.23502,"end":296.775,"sentiment":"neutral","sentiment_score":0.0668124192290836}],"sentiment":"neutral","sentiment_score":0.05321759022207874,"num_words":33,"start":277.94,"end":296.775},{"sentences":[{"text":"So what I've sent through is physical performance, your insurance certificates, financial services guide update, and a couple little visual documents there as well.","start":297.31998,"end":307.18,"sentiment":"neutral","sentiment_score":0.1230395898843805},{"text":"Now goals wise, we had you wanting to retire a little bit earlier if possible, not waiting till 67, probably 63 if possible, and about a thousand dollars a week.","start":307.24,"end":318.325,"sentiment":"neutral","sentiment_score":0.1764394924044609},{"text":"And the main focus was basically just pay on the mortgage, maybe get an investment property, and then just have that nice stable base.","start":318.325,"end":325.76498,"sentiment":"neutral","sentiment_score":0.2640746782223384},{"text":"Does that sound about right?","start":325.76498,"end":327.12,"sentiment":"neutral","sentiment_score":0.17298876494169235},{"text":"Sensational.","start":329.84,"end":330.34,"sentiment":"neutral","sentiment_score":0.0917208194732666}],"sentiment":"neutral","sentiment_score":0.18500704584377153,"num_words":84,"start":297.31998,"end":330.34},{"sentences":[{"text":"Anything else?","start":330.72,"end":331.86,"sentiment":"neutral","sentiment_score":-0.00016890093684196472},{"text":"Congratulations.","start":350.015,"end":350.515,"sentiment":"neutral","sentiment_score":0.31036341190338135},{"text":"Okay.","start":363.965,"end":364.465,"sentiment":"neutral","sentiment_score":0.0429387241601944},{"text":"And do they kind of rent it out on your behalf kind of thing?","start":364.525,"end":368.86502,"sentiment":"neutral","sentiment_score":0.03424428536423615},{"text":"Yeah.","start":383.66,"end":384.16,"sentiment":"neutral","sentiment_score":0.03388844057917595}],"sentiment":"neutral","sentiment_score":0.045593303677282836,"num_words":19,"start":330.72,"end":384.16},{"sentences":[{"text":"Yeah.","start":392.61502,"end":393.11502,"sentiment":"neutral","sentiment_score":0.0621662437915802},{"text":"Yeah.","start":415.20502,"end":415.685,"sentiment":"neutral","sentiment_score":0.15173396468162537},{"text":"Cool.","start":415.685,"end":415.92502,"sentiment":"neutral","sentiment_score":0.27228569984436035},{"text":"So it's getting close to breaking even there, so not too bad on the cash flow.","start":415.92502,"end":420.345,"sentiment":"neutral","sentiment_score":0.0695883659645915},{"text":"Yeah.","start":428.18,"end":428.41998,"sentiment":"neutral","sentiment_score":-0.007191875949501991}],"sentiment":"neutral","sentiment_score":0.0796203943900764,"num_words":20,"start":392.61502,"end":428.41998},{"sentences":[{"text":"I hit that a lot at the moment.","start":428.41998,"end":429.96,"sentiment":"neutral","sentiment_score":-0.04139016242697835},{"text":"Yeah.","start":439.315,"end":439.635,"sentiment":"neutral","sentiment_score":0.05311132967472077},{"text":"Can I just quickly check the in terms of, like, property value and debt owing on that property, could you just give me a bit of a a rough estimate on those?","start":439.635,"end":449.655,"sentiment":"neutral","sentiment_score":0.005743821733631194},{"text":"Six 70,000, and you've got that full amount on there essentially, and that's been leveraged off your home.","start":453.76,"end":465.14,"sentiment":"neutral","sentiment_score":0.035921184863481254},{"text":"Okay.","start":467.08502,"end":467.405,"sentiment":"neutral","sentiment_score":0.025452520698308945}],"sentiment":"neutral","sentiment_score":0.009630436232934395,"num_words":60,"start":428.41998,"end":467.405},{"sentences":[{"text":"So the home was previously 480,000 mowing.","start":467.405,"end":470.785,"sentiment":"neutral","sentiment_score":0.01824301135327135},{"text":"Do you know what the total combined would be?","start":470.92502,"end":473.905,"sentiment":"neutral","sentiment_score":0.016110600696669683},{"text":"Would it be around that 1.15?","start":474.685,"end":477.505,"sentiment":"neutral","sentiment_score":0.015575799314926067},{"text":"Yep.","start":480.06,"end":480.56,"sentiment":"neutral","sentiment_score":0.04372773319482803},{"text":"Yep.","start":480.78,"end":481.25998,"sentiment":"neutral","sentiment_score":0.044474244117736816}],"sentiment":"neutral","sentiment_score":0.018931385789376993,"num_words":24,"start":467.405,"end":481.25998},{"sentences":[{"text":"Alright.","start":481.25998,"end":481.75998,"sentiment":"neutral","sentiment_score":0.07749292254447937},{"text":"Perfect.","start":483.74,"end":484.24,"sentiment":"neutral","sentiment_score":0.26646459102630615},{"text":"The only other assets we had listed was just a motor vehicle, and I'm just wondering if you have any have you managed to build up any like, emergency fund savings?","start":484.62,"end":494.245,"sentiment":"neutral","sentiment_score":0.025466508382270412},{"text":"Any cash or anything like that?","start":494.705,"end":496.725,"sentiment":"neutral","sentiment_score":0.019218608116110165},{"text":"Perfect.","start":521.315,"end":521.715,"sentiment":"positive","sentiment_score":0.4882224202156067}],"sentiment":"neutral","sentiment_score":0.0434238335583359,"num_words":40,"start":481.25998,"end":521.715},{"sentences":[{"text":"All just split between the different offset accounts.","start":521.715,"end":523.895,"sentiment":"neutral","sentiment_score":0.19713581632822752},{"text":"Yep.","start":540.37006,"end":540.87006,"sentiment":"neutral","sentiment_score":0.09926267713308334},{"text":"Yeah.","start":551.055,"end":551.535,"sentiment":"neutral","sentiment_score":0.16224735975265503},{"text":"Absolutely does.","start":551.535,"end":552.755,"sentiment":"neutral","sentiment_score":0.21421438455581665},{"text":"Alright.","start":554.095,"end":554.495,"sentiment":"neutral","sentiment_score":0.10091813653707504}],"sentiment":"neutral","sentiment_score":0.18214949793540514,"num_words":13,"start":521.715,"end":554.495},{"sentences":[{"text":"And the last thing I wanted to check with you, I'm assuming there's been no change, obviously, in address, email, phone, and still still married with Greg with no new dependents.","start":554.495,"end":563.61,"sentiment":"neutral","sentiment_score":-0.03378964838339016},{"text":"And just in terms of occupation, so we had you teaching at a correctional center earning about 70 thousand.","start":564.38995,"end":572.81,"sentiment":"neutral","sentiment_score":-0.002638114420206923},{"text":"Fantastic.","start":579.53503,"end":580.03503,"sentiment":"positive","sentiment_score":0.6618770956993103},{"text":"Love to hear it.","start":580.255,"end":582.97504,"sentiment":"neutral","sentiment_score":0.19803345203399658},{"text":"Alright.","start":582.97504,"end":583.29504,"sentiment":"neutral","sentiment_score":0.07769893854856491}],"sentiment":"neutral","sentiment_score":0.007751903009193484,"num_words":56,"start":554.495,"end":583.29504},{"sentences":[{"text":"I'll go I'll go specific.","start":583.29504,"end":584.41504,"sentiment":"neutral","sentiment_score":0.049359146505594254},{"text":"I'll go a 108.","start":584.41504,"end":585.79504,"sentiment":"neutral","sentiment_score":0.07515513990074396},{"text":"Alrighty.","start":586.69,"end":587.09,"sentiment":"positive","sentiment_score":0.35700780153274536},{"text":"That's pretty good.","start":587.09,"end":588.07,"sentiment":"positive","sentiment_score":0.6662797331809998},{"text":"And do you put anything like, obviously, you've got the extra repayments into the mortgage.","start":588.13,"end":592.77,"sentiment":"neutral","sentiment_score":0.06472657832006613}],"sentiment":"neutral","sentiment_score":0.13836292742884584,"num_words":28,"start":583.29504,"end":592.77},{"sentences":[{"text":"Is there anything else that you put into in terms of surplus cash flow and the savings where you like every pay, a $102,100 goes off to here, or is it all just kind of bills and into the offset?","start":592.77,"end":603.295,"sentiment":"neutral","sentiment_score":0.026636818842962384},{"text":"Yep.","start":627.865,"end":628.365,"sentiment":"neutral","sentiment_score":0.04442993551492691},{"text":"There's cash.","start":632.985,"end":633.96497,"sentiment":"neutral","sentiment_score":0.013775430619716644},{"text":"Yep.","start":636.665,"end":637.165,"sentiment":"neutral","sentiment_score":0.2570187747478485},{"text":"Perfect.","start":637.545,"end":638.045,"sentiment":"positive","sentiment_score":0.497942715883255}],"sentiment":"neutral","sentiment_score":0.04205366758008798,"num_words":45,"start":592.77,"end":638.045},{"sentences":[{"text":"Okay.","start":638.585,"end":639.085,"sentiment":"neutral","sentiment_score":0.22876614332199097},{"text":"So if you can go on to the insurance certificates with me just to start with, we have two there at the bottom of that email.","start":639.225,"end":649.72003,"sentiment":"neutral","sentiment_score":0.14422896389777845},{"text":"So either one's fine.","start":651.38,"end":657.745,"sentiment":"neutral","sentiment_score":0.021222147159278393},{"text":"I've got both of them up in front of me.","start":657.745,"end":659.345,"sentiment":"neutral","sentiment_score":0.13708602115511895},{"text":"I just wanted to show you kind of what you've got and what we may need to adjust.","start":659.345,"end":663.365,"sentiment":"neutral","sentiment_score":0.05624442713128196}],"sentiment":"neutral","sentiment_score":0.10926894395280692,"num_words":59,"start":638.585,"end":663.365},{"sentences":[{"text":"Yep.","start":671.19,"end":671.51,"sentiment":"neutral","sentiment_score":0.057247620075941086},{"text":"So that should be about $42 a month, and that's your they call it critical illness or trauma cover, and that's your, like, heart attack, stroke, cancer, that kind of thing.","start":671.51,"end":681.195,"sentiment":"neutral","sentiment_score":-0.022592063031850323},{"text":"K?","start":682.955,"end":683.355,"sentiment":"neutral","sentiment_score":0.0029281042516231537},{"text":"Now that cover amount in premium obviously changes every year, and you've got an anniversary that's just gone by on the May 8.","start":683.355,"end":691.275,"sentiment":"neutral","sentiment_score":-0.036905528167667595},{"text":"So just double checking that that premium hasn't jumped up too much to become unaffordable for you.","start":691.275,"end":696.93,"sentiment":"neutral","sentiment_score":-0.21970447393901207}],"sentiment":"neutral","sentiment_score":-0.07156138951341583,"num_words":73,"start":671.19,"end":696.93},{"sentences":[{"text":"Perfect.","start":699.49,"end":699.99,"sentiment":"positive","sentiment_score":0.4595833718776703},{"text":"And then if you can open up the other certificate on just having a look at the life and disability insurance to start with.","start":700.13,"end":706.47,"sentiment":"neutral","sentiment_score":0.16271326908220848},{"text":"K.","start":713.875,"end":714.115,"sentiment":"neutral","sentiment_score":0.030973507091403008},{"text":"So it's gone up to $3.06.","start":714.115,"end":716.03503,"sentiment":"neutral","sentiment_score":0.03400095862646898},{"text":"And then after the premium rebate, it goes down to 3,000 flat just about.","start":716.03503,"end":720.455,"sentiment":"neutral","sentiment_score":0.012506370033536638}],"sentiment":"neutral","sentiment_score":0.10379935367761747,"num_words":46,"start":699.49,"end":720.455},{"sentences":[{"text":"That comes out of the super.","start":721.395,"end":722.935,"sentiment":"neutral","sentiment_score":0.08534543837110202},{"text":"And then if you go down, you've got the life, the TPD, the income protection.","start":723.15,"end":726.69,"sentiment":"neutral","sentiment_score":-0.02674223519861698},{"text":"Now one thing that I've got to be very careful on is we can look at, like, increasing the cover a little bit.","start":728.67004,"end":734.67004,"sentiment":"neutral","sentiment_score":-0.029893537092468014},{"text":"But once you hit that sort of mid fifties and start approaching 60, that jumps up very quickly.","start":734.67004,"end":740.995,"sentiment":"neutral","sentiment_score":-0.0882404808782869},{"text":"So I need to have a bit of a balancing act with you over the next five to ten years.","start":741.215,"end":745.315,"sentiment":"neutral","sentiment_score":-0.0070848791860044}],"sentiment":"neutral","sentiment_score":-0.028129737687910477,"num_words":82,"start":721.395,"end":745.315},{"sentences":[{"text":"So at the moment, 621,800 for the life insurance, a little bit less for the TBD because what we've done here is it's linked the TBD and the trauma to your life insurance to make it more affordable.","start":747.055,"end":760.75995,"sentiment":"neutral","sentiment_score":0.1372769937703484},{"text":"So they kind of share that same pool of funds, and then there's, you know, buyback options and so on so you can claim on both for all three.","start":762.98,"end":771.045,"sentiment":"neutral","sentiment_score":0.14609492981228336},{"text":"K?","start":771.045,"end":771.545,"sentiment":"neutral","sentiment_score":0.03122777119278908},{"text":"So in terms of the previous mortgage, like, the the mortgage that you've got for your home, it's gonna cover that portion, but not the investment portion there as well.","start":773.685,"end":783.63,"sentiment":"neutral","sentiment_score":0.016982066941758},{"text":"Are you thinking of just kind of bumping it up to, like, a million flats or cover the whole debt?","start":783.69,"end":788.08997,"sentiment":"neutral","sentiment_score":0.008438621833920478}],"sentiment":"neutral","sentiment_score":0.08612492325384233,"num_words":118,"start":747.055,"end":788.08997},{"sentences":[{"text":"What are you kind of thinking?","start":788.08997,"end":789.39,"sentiment":"neutral","sentiment_score":-0.01149132288992405},{"text":"Okay.","start":802.105,"end":802.605,"sentiment":"neutral","sentiment_score":0.04563131928443909},{"text":"Yeah.","start":808.2,"end":808.7,"sentiment":"neutral","sentiment_score":-0.052703216671943665},{"text":"So what I might do is I'll do a bit of a quote for one mill, bump it up.","start":809.0,"end":814.38,"sentiment":"neutral","sentiment_score":0.04865554171173196},{"text":"I'm kind of thinking just based on proportions, it's probably gonna be about $750 extra coming out of the super for that is what I can kind of guesstimate.","start":814.84,"end":823.565,"sentiment":"neutral","sentiment_score":0.03271646380167583}],"sentiment":"neutral","sentiment_score":0.03209308764365103,"num_words":56,"start":788.08997,"end":823.565},{"sentences":[{"text":"And then because your income's gone up, your contributions have gone up, so I'll just make sure that the premiums aren't too high compared to your contributions in growth.","start":824.025,"end":832.28503,"sentiment":"neutral","sentiment_score":0.010735711917794984},{"text":"No worries.","start":836.16003,"end":836.82,"sentiment":"neutral","sentiment_score":0.13494423031806946},{"text":"Outside of that, would you like me to look around to see if there's any other insurer that we should consider that may be offering a better deal?","start":838.0,"end":846.4,"sentiment":"neutral","sentiment_score":0.08614372887781688},{"text":"Because I'll do an operation quote with Compass, but do you want me to kind of shop around as well?","start":846.4,"end":851.035,"sentiment":"neutral","sentiment_score":0.0860632847994566},{"text":"So when I was mentioning before that your TPD, which is your total disability, and your trauma are linked to your life insurance.","start":863.6,"end":870.66,"sentiment":"neutral","sentiment_score":-0.06656044826883337}],"sentiment":"neutral","sentiment_score":0.03121199902585324,"num_words":102,"start":824.025,"end":870.66},{"sentences":[{"text":"So what happens is, let's say, you have a heart attack and your trauma insurance pays out that $60,000 to you, it'll then reduce your life insurance by $60,000.","start":871.75995,"end":885.875,"sentiment":"neutral","sentiment_score":-0.008053382236414173},{"text":"And then the buyback, after a period of time, will fill it back up again.","start":888.255,"end":892.11505,"sentiment":"neutral","sentiment_score":0.037556155025959014},{"text":"Same thing with CBD, permanent disability, pulls it down, fills it up, and then as long as there's a gap in between in time frame for the fill up to occur, then you can claim on both.","start":897.48004,"end":907.74,"sentiment":"neutral","sentiment_score":0.18322267967301445},{"text":"Perfect.","start":910.635,"end":911.135,"sentiment":"positive","sentiment_score":0.4019153118133545},{"text":"Yep.","start":931.42,"end":931.57996,"sentiment":"neutral","sentiment_score":0.04153815656900406}],"sentiment":"neutral","sentiment_score":0.09099381755201527,"num_words":83,"start":871.75995,"end":931.57996},{"sentences":[{"text":"So Yeah.","start":931.57996,"end":936.315,"sentiment":"neutral","sentiment_score":0.024633260443806648},{"text":"Per month.","start":936.315,"end":937.035,"sentiment":"neutral","sentiment_score":-0.0502433255314827},{"text":"So if you're out of work for ninety days due to illness or injury, it'll kick in monthly amount of that, and that's gross.","start":937.035,"end":944.555,"sentiment":"neutral","sentiment_score":-0.16440593979010978},{"text":"That's before tax.","start":944.555,"end":945.835,"sentiment":"neutral","sentiment_score":-0.11010594417651494},{"text":"So think of it as just under $1,000 a week net of tax, and that goes up to three years maximum per injury or illness.","start":945.835,"end":955.66003,"sentiment":"neutral","sentiment_score":-0.029888673424720763}],"sentiment":"neutral","sentiment_score":-0.09061602416581341,"num_words":56,"start":931.57996,"end":955.66003},{"sentences":[{"text":"So technically speaking, because the cover's maximum is 70% of your income, it was covering an income of 76,000 and 70% of that.","start":958.12,"end":970.21497,"sentiment":"neutral","sentiment_score":0.006361239387289337},{"text":"Again, that then looks like it's underinsured compared to what we could be covered for with your income.","start":972.835,"end":979.015,"sentiment":"neutral","sentiment_score":-0.10127288930945927},{"text":"But, again, pricing as well is a is a consideration there.","start":979.93005,"end":984.09,"sentiment":"neutral","sentiment_score":0.003754131326621229},{"text":"So I can definitely have a look at an increase there as well.","start":984.09,"end":987.63,"sentiment":"neutral","sentiment_score":0.22152963051429161},{"text":"And then I'm gonna be very careful in terms of projections because if I've increased both of them, it's gonna slow down the growth of the server a little bit.","start":991.61005,"end":1000.165,"sentiment":"neutral","sentiment_score":-0.10810033281644185}],"sentiment":"neutral","sentiment_score":-0.021036135209234138,"num_words":95,"start":958.12,"end":1000.165},{"sentences":[{"text":"Perfect.","start":1002.78503,"end":1003.28503,"sentiment":"neutral","sentiment_score":0.29042789340019226},{"text":"So yep.","start":1003.34503,"end":1005.525,"sentiment":"neutral","sentiment_score":0.006155711831524968},{"text":"Yeah.","start":1013.62,"end":1014.02,"sentiment":"neutral","sentiment_score":0.01859378069639206},{"text":"Yep.","start":1014.02,"end":1014.52,"sentiment":"neutral","sentiment_score":0.021737024188041687},{"text":"Do you have any capacity to put in a little extra salary sacrifice wise to help cover some of the premiums?","start":1019.54,"end":1026.275,"sentiment":"neutral","sentiment_score":-0.07071214896582421}],"sentiment":"neutral","sentiment_score":-0.04391865408979356,"num_words":26,"start":1002.78503,"end":1026.275},{"sentences":[{"text":"K.","start":1031.615,"end":1031.855,"sentiment":"neutral","sentiment_score":0.020523283630609512},{"text":"Because I'm kind of thinking, like, as a bit of a rule of thumb, based on your new tax bracket, if you put in, say, $50 a week just as an example, that probably cost you about 35 in your take home pay.","start":1031.855,"end":1045.41,"sentiment":"neutral","sentiment_score":0.02213120217933211},{"text":"K?","start":1047.9651,"end":1048.4651,"sentiment":"neutral","sentiment_score":0.06929830461740494},{"text":"So if that seems like a reasonable map, I can kind of add that into the projections and kinda show you the difference that that would make.","start":1050.285,"end":1056.7051,"sentiment":"neutral","sentiment_score":0.23182631808298607},{"text":"Yeah.","start":1065.42,"end":1065.92,"sentiment":"neutral","sentiment_score":0.04541580379009247}],"sentiment":"neutral","sentiment_score":0.10063273526013713,"num_words":73,"start":1031.615,"end":1065.92},{"sentences":[{"text":"Perfect.","start":1072.0751,"end":1072.4751,"sentiment":"positive","sentiment_score":0.3405642509460449},{"text":"It's kinda like forced savings, and it tends to work well for a lot of people.","start":1072.4751,"end":1079.675,"sentiment":"neutral","sentiment_score":0.20139121887041256},{"text":"Yep.","start":1079.675,"end":1080.155,"sentiment":"neutral","sentiment_score":0.10064834356307983},{"text":"That's exactly right.","start":1080.155,"end":1081.535,"sentiment":"neutral","sentiment_score":0.25115762154261273},{"text":"If I go down just briefly to your estate planning, we have we did have a note, and I'm just double checking with the new system that you did have a will in place.","start":1083.035,"end":1092.57,"sentiment":"neutral","sentiment_score":0.03635237245436977}],"sentiment":"neutral","sentiment_score":0.10278046590022065,"num_words":55,"start":1072.0751,"end":1092.57},{"sentences":[{"text":"K.","start":1095.83,"end":1096.23,"sentiment":"neutral","sentiment_score":0.021271854639053345},{"text":"Now do you remember putting in place a power of attorney where if you're in the hospital, someone can act on your behalf to talk to the doctors, all that kind of thing?","start":1096.23,"end":1106.795,"sentiment":"neutral","sentiment_score":0.02435571268539537},{"text":"Yep.","start":1116.6799,"end":1117.1799,"sentiment":"neutral","sentiment_score":0.05338497459888458},{"text":"Perfect.","start":1123.0,"end":1123.5,"sentiment":"positive","sentiment_score":0.48622792959213257},{"text":"Alrighty.","start":1123.96,"end":1124.46,"sentiment":"neutral","sentiment_score":0.16900719702243805}],"sentiment":"neutral","sentiment_score":0.041449472282987995,"num_words":37,"start":1095.83,"end":1124.46},{"sentences":[{"text":"So any questions so far on the insurance or what state planning?","start":1124.6,"end":1128.62,"sentiment":"neutral","sentiment_score":0.0066311857663095},{"text":"Alright.","start":1130.575,"end":1131.0549,"sentiment":"neutral","sentiment_score":0.12324442714452744},{"text":"And you're still happy, I'm assuming, for grade three listed as your beneficiary for the super and the life insurance?","start":1131.0549,"end":1136.4349,"sentiment":"neutral","sentiment_score":0.26861316710710526},{"text":"Perfect.","start":1138.975,"end":1139.475,"sentiment":"positive","sentiment_score":0.44436848163604736},{"text":"Alrighty.","start":1139.9349,"end":1140.4349,"sentiment":"neutral","sentiment_score":0.26769453287124634}],"sentiment":"neutral","sentiment_score":0.17963271465684685,"num_words":35,"start":1124.6,"end":1140.4349},{"sentences":[{"text":"Now do you have the sub 24 performance report handy in that email too?","start":1140.575,"end":1146.72,"sentiment":"neutral","sentiment_score":0.09432127646037511},{"text":"Perfect.","start":1154.7,"end":1155.2,"sentiment":"positive","sentiment_score":0.41049283742904663},{"text":"Now I'm extremely impressed with how your service handled the recent market drop that happened in March from what happened overseas in the oil crisis.","start":1155.34,"end":1165.8451,"sentiment":"neutral","sentiment_score":0.11483467578887939},{"text":"Your extra contributions did this really amazing thing where as the market dropped, they kept coming in a lot higher and bought into the market for whatever back up.","start":1166.7051,"end":1176.6,"sentiment":"neutral","sentiment_score":0.18765822001572313},{"text":"So what's essentially happened was twelve months ago, you were at 77,000.","start":1178.1,"end":1182.6799,"sentiment":"neutral","sentiment_score":0.10969340677062671}],"sentiment":"neutral","sentiment_score":0.14025020820123177,"num_words":81,"start":1140.575,"end":1182.6799},{"sentences":[{"text":"Now you're just shy of 96,000.","start":1182.82,"end":1184.84,"sentiment":"neutral","sentiment_score":0.1646748756368955},{"text":"So it's kind of going up nicely quickly.","start":1184.975,"end":1186.915,"sentiment":"positive","sentiment_score":0.3668273501098156},{"text":"And then in the recent situation, you had it drop all the way down to let me just quickly check this one date.","start":1187.295,"end":1196.435,"sentiment":"neutral","sentiment_score":0.021498219555486805},{"text":"That went to 90,000, and then it bounced immediately back up to that $95.07 $9.05 within a few weeks.","start":1196.495,"end":1203.1799,"sentiment":"neutral","sentiment_score":0.10927629255150494},{"text":"Now how you kind of read these performance reports is all of your investment options are listed here, and the right hand side has the percentage returns if that rings a bell.","start":1205.7999,"end":1215.895,"sentiment":"neutral","sentiment_score":0.07250580185791478}],"sentiment":"neutral","sentiment_score":0.10015411730009047,"num_words":88,"start":1182.82,"end":1215.895},{"sentences":[{"text":"K?","start":1218.355,"end":1218.855,"sentiment":"neutral","sentiment_score":0.1679118573665619},{"text":"So all of them are pretty well positive in the double digits.","start":1218.9149,"end":1222.995,"sentiment":"positive","sentiment_score":0.5654436399539312},{"text":"You can see a lot of twenties along there where the infrastructure, the agriculture, the gold, the American shares, everything's up really high.","start":1222.995,"end":1231.56,"sentiment":"positive","sentiment_score":0.3622599658758744},{"text":"The only two that aren't up high is that bank hybrid in the middle, which is about that 4%.","start":1232.26,"end":1239.025,"sentiment":"neutral","sentiment_score":-0.03573247339380415},{"text":"That's your defensive asset in terms of policy.","start":1239.025,"end":1241.4451,"sentiment":"neutral","sentiment_score":0.0326922950334847}],"sentiment":"neutral","sentiment_score":0.2359973986943563,"num_words":63,"start":1218.355,"end":1241.4451},{"sentences":[{"text":"So that's supposed to do about 4%.","start":1243.185,"end":1245.365,"sentiment":"neutral","sentiment_score":-0.008230264032525676},{"text":"The one at the top is the only one that currently concerns me, which is the Australian shares portion, which has actually dropped 21.7%.","start":1245.425,"end":1253.88,"sentiment":"neutral","sentiment_score":-0.1688186125829816},{"text":"So if you go to the next page, it'll have your whole portfolio across the one line.","start":1256.66,"end":1262.2001,"sentiment":"neutral","sentiment_score":0.09794071492026835},{"text":"And basically, just shy of a 9% return after fees, which is basically exactly what you want for a growth portfolio as a long term average.","start":1262.26,"end":1271.105,"sentiment":"neutral","sentiment_score":0.11017163699636093},{"text":"What I would like to do is I just I really need to replace that one option because that drop is a little bit higher than all the other Australian shares options, and it it's kind of fallen out of the pack, that one option.","start":1273.485,"end":1288.84,"sentiment":"neutral","sentiment_score":-0.21645699871910942}],"sentiment":"neutral","sentiment_score":-0.0783224266977245,"num_words":119,"start":1243.185,"end":1288.84},{"sentences":[{"text":"So I do have one question for you.","start":1290.82,"end":1292.26,"sentiment":"neutral","sentiment_score":0.03992754593491554},{"text":"There's no wrong answers here.","start":1292.26,"end":1293.735,"sentiment":"neutral","sentiment_score":0.02630736753344536},{"text":"And, of course, I'll make a recommendation, but we can choose between any style of investment, and Hub has the most investment options in the country.","start":1293.735,"end":1302.875,"sentiment":"neutral","sentiment_score":0.10675392457498954},{"text":"So just to kind of shortlist that a little bit, do you have a preference between low fee investments or paying a bit higher fee to try and get a higher return?","start":1304.535,"end":1314.87,"sentiment":"neutral","sentiment_score":0.05712889402639121},{"text":"Cool.","start":1318.61,"end":1318.85,"sentiment":"positive","sentiment_score":0.4922274053096771}],"sentiment":"neutral","sentiment_score":0.0770404341423677,"num_words":72,"start":1290.82,"end":1318.85},{"sentences":[{"text":"So that's the current style where we're blending both of those, and I can basically just compare an alternative that is doing better in that space for you.","start":1318.85,"end":1327.055,"sentiment":"positive","sentiment_score":0.35427396265523775},{"text":"The last question I had regarding the super was just in terms of risk level.","start":1328.555,"end":1332.655,"sentiment":"neutral","sentiment_score":0.03544679706295331},{"text":"Now your yeah.","start":1335.45,"end":1342.33,"sentiment":"neutral","sentiment_score":-0.17602542539437613},{"text":"So I have to, again, balance two things, which is if we're gonna retire in November, but then again, you wanna catch the super up, usually a growth profile, which you're in a growth, which is four out of five.","start":1342.33,"end":1355.365,"sentiment":"neutral","sentiment_score":0.05554984495975077},{"text":"That's recommended for eight to nine years, and high growth is recommended for, say, nine to ten years or above.","start":1356.065,"end":1363.48,"sentiment":"neutral","sentiment_score":0.16210870891809465}],"sentiment":"neutral","sentiment_score":0.14516476047980897,"num_words":106,"start":1318.85,"end":1363.48},{"sentences":[{"text":"So you do just have enough time to do a period of growth within a high growth setting and continuously buy into the market.","start":1365.2999,"end":1373.64,"sentiment":"neutral","sentiment_score":0.25324011283616227},{"text":"Once you've gotten about six or seven years of good growth, we then start to reduce your risk level down.","start":1373.78,"end":1379.515,"sentiment":"neutral","sentiment_score":0.146405222825706},{"text":"So instead of 90 shares in property, we can start reducing that as you go to pension phase.","start":1379.515,"end":1385.615,"sentiment":"neutral","sentiment_score":0.033615432058771454},{"text":"Yep.","start":1396.8899,"end":1397.2899,"sentiment":"neutral","sentiment_score":0.04183444008231163},{"text":"Okay.","start":1397.2899,"end":1397.7899,"sentiment":"neutral","sentiment_score":0.21568644046783447}],"sentiment":"neutral","sentiment_score":0.15419477847171947,"num_words":64,"start":1365.2999,"end":1397.7899},{"sentences":[{"text":"Perfect.","start":1398.57,"end":1399.0499,"sentiment":"positive","sentiment_score":0.3594840466976166},{"text":"So I'll compare a high growth portfolio with a bit of a a fix up on a couple of options, and I'll add in the different insurance premiums as well as the salary expense.","start":1399.0499,"end":1410.385,"sentiment":"neutral","sentiment_score":0.19511239055325003},{"text":"Perfect.","start":1412.765,"end":1413.245,"sentiment":"positive","sentiment_score":0.5637943744659424},{"text":"So what I've got to do from here basically is we're gonna research those comparisons, put your plans together over the next couple of weeks.","start":1413.245,"end":1421.22,"sentiment":"neutral","sentiment_score":0.26606278359889984},{"text":"And then I'm actually going on leave in about a week's time because I have my third baby is coming on the eleventh of June.","start":1421.7,"end":1430.76,"sentiment":"neutral","sentiment_score":0.16566168695688246}],"sentiment":"neutral","sentiment_score":0.21337455190544904,"num_words":86,"start":1398.57,"end":1430.76},{"sentences":[{"text":"Thank you.","start":1432.1,"end":1432.6599,"sentiment":"positive","sentiment_score":0.5013085901737213},{"text":"So we've got two boys and we got a daughter on the way, so I'm going paternity leave.","start":1432.6599,"end":1436.76,"sentiment":"neutral","sentiment_score":0.2240569276942147},{"text":"But as the guide, because I don't have all the assets, shall we say, I'm only gonna take a couple of weeks and then a little bit little bit more further in the year.","start":1439.7949,"end":1448.6749,"sentiment":"neutral","sentiment_score":-0.01289268394055612},{"text":"So basically, what I'm saying, Susan, is I'll get you booked in as soon as I get.","start":1448.6749,"end":1452.695,"sentiment":"neutral","sentiment_score":0.1040532764266519},{"text":"Appreciate that.","start":1456.22,"end":1457.02,"sentiment":"positive","sentiment_score":0.4739439934492111}],"sentiment":"neutral","sentiment_score":0.10019293576734115,"num_words":73,"start":1432.1,"end":1457.02},{"sentences":[{"text":"Thank you.","start":1457.02,"end":1457.76,"sentiment":"positive","sentiment_score":0.5536586195230484},{"text":"Any questions on the direction so far?","start":1458.54,"end":1460.54,"sentiment":"neutral","sentiment_score":0.017019345558115413},{"text":"Because, obviously, I'll put it in a plan for you to read through, but does it make sense?","start":1460.54,"end":1464.24,"sentiment":"neutral","sentiment_score":-0.017486289214705013},{"text":"Perfect.","start":1466.635,"end":1467.135,"sentiment":"positive","sentiment_score":0.4369063377380371},{"text":"The last thing is we included your updated service agreement there.","start":1467.435,"end":1471.935,"sentiment":"neutral","sentiment_score":0.24267488447102634}],"sentiment":"neutral","sentiment_score":0.10302639792327029,"num_words":39,"start":1457.02,"end":1471.935},{"sentences":[{"text":"We've got there's no change in the fees, 1.65% that gets spread across monthly payments.","start":1473.275,"end":1480.015,"sentiment":"neutral","sentiment_score":0.1633563756942749},{"text":"And, again, no lock in for the twelve months, but it's just a consent so that we can still interact with the Superfund on your behalf.","start":1480.3999,"end":1487.62,"sentiment":"neutral","sentiment_score":0.16334734283960783},{"text":"Alrighty.","start":1490.5599,"end":1491.0599,"sentiment":"neutral","sentiment_score":0.030050106346607208},{"text":"Any questions on that?","start":1491.2799,"end":1492.58,"sentiment":"neutral","sentiment_score":0.006205470999702811},{"text":"Cool.","start":1494.315,"end":1494.815,"sentiment":"neutral","sentiment_score":0.101635679602623}],"sentiment":"neutral","sentiment_score":0.14582732381259508,"num_words":47,"start":1473.275,"end":1494.815},{"sentences":[{"text":"Susan, have you ever used our new Odoo sign?","start":1495.275,"end":1498.475,"sentiment":"neutral","sentiment_score":0.044441899905602135},{"text":"Have you ever seen these emails with the purple buttons before?","start":1498.475,"end":1501.055,"sentiment":"neutral","sentiment_score":0.020796072923324325},{"text":"Cool.","start":1503.995,"end":1504.235,"sentiment":"neutral","sentiment_score":0.13333062827587128},{"text":"So it's just like a DocuSign.","start":1504.235,"end":1505.855,"sentiment":"neutral","sentiment_score":0.07577822792033355},{"text":"Yep.","start":1506.83,"end":1507.1499,"sentiment":"neutral","sentiment_score":0.08055011928081512}],"sentiment":"neutral","sentiment_score":0.04633157201377409,"num_words":28,"start":1495.275,"end":1507.1499},{"sentences":[{"text":"So you're used to it.","start":1507.1499,"end":1508.61,"sentiment":"neutral","sentiment_score":0.07286364063620568},{"text":"Yep.","start":1511.39,"end":1511.71,"sentiment":"neutral","sentiment_score":0.05324498936533928},{"text":"Yes, please.","start":1511.71,"end":1512.53,"sentiment":"neutral","sentiment_score":0.07732251286506653},{"text":"Yeah.","start":1533.065,"end":1533.385,"sentiment":"neutral","sentiment_score":0.05185849964618683},{"text":"So what we've got for these forms is a consent to hold the tax phone number.","start":1533.385,"end":1540.63,"sentiment":"neutral","sentiment_score":0.10618182900361717}],"sentiment":"neutral","sentiment_score":0.09291903927922249,"num_words":25,"start":1507.1499,"end":1540.63},{"sentences":[{"text":"And then there'll be a pop up to download a signed copy to your record.","start":1552.3049,"end":1556.085,"sentiment":"neutral","sentiment_score":0.13177434504032134},{"text":"Sensational.","start":1561.9199,"end":1562.4199,"sentiment":"neutral","sentiment_score":0.11040695011615752},{"text":"Hey.","start":1566.96,"end":1567.2,"sentiment":"neutral","sentiment_score":0.27045154571533203},{"text":"The Wi Fi has held up pretty good in the reception, so that's been good.","start":1567.2,"end":1570.24,"sentiment":"positive","sentiment_score":0.41371528108914696},{"text":"And I've just had it come through spring, so thank you for that.","start":1570.24,"end":1573.755,"sentiment":"positive","sentiment_score":0.33388998760626865}],"sentiment":"neutral","sentiment_score":0.2867505050367779,"num_words":45,"start":1552.3049,"end":1573.755},{"sentences":[{"text":"Alright, Susan.","start":1577.515,"end":1578.235,"sentiment":"neutral","sentiment_score":0.19220127165317535},{"text":"Do you have any questions for me before I let you go and enjoy the end of your week?","start":1578.235,"end":1582.335,"sentiment":"neutral","sentiment_score":0.21224668994545937},{"text":"Amazing.","start":1585.835,"end":1586.3151,"sentiment":"positive","sentiment_score":0.7206289768218994},{"text":"We'll send the usual feedback text message if you don't mind.","start":1586.3151,"end":1590.74,"sentiment":"neutral","sentiment_score":0.2673096006566828},{"text":"And outside of that, I will talk to you again in a few weeks to go through your plan.","start":1590.9601,"end":1595.06,"sentiment":"neutral","sentiment_score":0.1783214634970615}],"sentiment":"neutral","sentiment_score":0.22050446236076263,"num_words":52,"start":1577.515,"end":1595.06},{"sentences":[{"text":"Thank you.","start":1600.173,"end":1601.213,"sentiment":"positive","sentiment_score":0.7906946241855621},{"text":"Thank you so much, Susan.","start":1601.213,"end":1602.493,"sentiment":"positive","sentiment_score":0.646270501613617},{"text":"I'll talk to you soon.","start":1602.493,"end":1603.473,"sentiment":"neutral","sentiment_score":0.19896088689565658},{"text":"Bye.","start":1606.173,"end":1606.673,"sentiment":"neutral","sentiment_score":-0.12164761126041412}],"sentiment":"positive","sentiment_score":0.4373768138197752,"num_words":13,"start":1600.173,"end":1606.673}]}}]},{"alternatives":[{"transcript":"Hello? Fantastic. How are you? Yeah. I just got back from a holiday yesterday, so I'm a bit sad. Absolutely. It feels like you haven't been anywhere. It sure does. Sure does. But no. Otherwise, yeah, without the same. Cold, wet, miserable. But, anyway, all good. Mhmm. Absolutely. Absolutely. Right. Of course. Not a clue. Is it just a word? A word and numbers, you can't tell, can you? Oh, sure. Yeah. No. That's it. No worries. So date of birth is the 05/25/1974. It's 300 Diamond Swamp Road, Meadow Flat 2795. Diamond. Yep. Which is the address. I I could yeah. Yeah. That's no. No. 300Diamond is fine. Just say that the prompt can just be the usual password because then I know exact password. Yeah. For most stuff, not for everything. But yeah. Yes. Yeah. No worries. I'll just grab my glasses so I can read it. Okay. Here it is. Yep. Okay. Oh, actually, I'm just gonna move into a different room, which is I mean, my Wi Fi, but I'll just if the connection doesn't work, I'll call you back. You still there? Oh, oh, sweet. I I went nude. Yes. Yes. No. No. Just to go through that sort of stuff and probably look at upping one of the insurances maybe if it does to the yeah. Just checking that, actually. It's about it. Okay. No worries. Yeah. Yeah. Yeah. Yeah. Yeah. Nothing another good pay rise will be fixed, but, no, everything's okay. Certainly a lot better than most. So yeah. Look. But a lot of people are doing it tough out there. That's for sure. Yeah. Yep. Okay. Yes. It's a request. Hang on. My content Requested a signature on a document. Okay. Cool. Yep. Yep. Yep. Perfect. Yeah. Yeah. Yep. Yeah. So I probably no. No. That's look. If it's I mean, it's I know that all those things are not particularly achievable necessarily, but it's it's a goal. But we actually did we did purchase an investment property, oh, just about a month or two ago. I'm gonna say that no. Well, no. I'm saying that loosely. We purchased it just like a lot of people, I suppose, just to be one of our daughters a bit of housing security. So yeah. So it's it's yes. Yeah. Yeah. Yeah. So we'd yeah. She just pays rent. And, yeah, it's probably, to be perfectly honest, not set up to maximize everything, but it it, you you know, it it it's, you know, eventually I mean, and it's a unit, so I know there's probably not a lot of capital growth there or whatever. But, anyway, it is what it is, and it's where we're at. So and I think there's I think someone else has bought a unit in the same, and she she's got it as an investment property. We're probably our daughter pays probably it'd be submarket for the rent. But by the time you take in all the fees and stuff for real estate, we're not too far behind the ball. No. No. No. Not no. Not at all, actually. No. I actually wouldn't know anything in Sydney that you get close to breaking even, to be perfectly honest. But that's okay. It is what it is. And, I mean, I'm sure if I put that money into my soup, it would actually have the growth would be better than what this would be. That's okay. It's okay. I know where I'm at, and I and I understand it. Yeah. Yep. So we financed the whole lot, and the property was $6.70. Yep. Essentially. Yeah. Yeah. Correct. Correct. Yeah. It would be. I suppose. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. We've we've, yeah, we've actually got which is the process. Just in because we refinanced our home loan just yet a bit of interest rate as well recently, And we've never had a a previous home loan didn't have any offset accounts. So we have lots of offsets now. So we've probably got about 30,000 in savings. But, yeah, we thought that mails will work for us, and it sits there and but we're when we refinanced, I kept the how do I say this? I really hope to have the home loan paid off in ten years. So I've kept the repayments the same into that loan. Do you know what I mean? Like, the extra is not sitting in an offset. I still want that working in any extra fee of some benefit to us, if that makes sense. Yep. Yep. Yep. Yep. No. No. Nope. Yep. Still in? Oh, no. No. Okay. Oh, that's much nicer. I'm earning about a 110 now. Oh, it's about a 108. Yeah. Yep. No. It probably goes all into offsets. So I yeah. So my my wage goes straight into pay mortgages and and, yeah, it sits in and then it draws off that offset into everything else. Greg's, he puts extra also into the offset to for the difference for the investment line, and then he just sticks other money wherever it needs to go or whatever. Yeah. Okay. Yeah. It does that affect. Yeah. Yep. So the income which one out of pocket or the life? Which one do you wanna look at? Sure. Yeah. Okay. So I've got the out of pocket one, I think it is. Yes. Yep. Yep. Okay. Yes. Yes. Yes. Yep. No. No. That's fine. So that is yep. Yep. Yep. Yep. Yep. Okay. Sure. Yep. Okay. Yep. Right. Yep. Correct. Yep. Yeah. She said it's prob yeah. Prob I mean, I don't care if it's all not covered, but a really good chunk of the other property would be lovely. You know? If something happens to me, Greg's got a good income, that that won't be a problem, but I just don't ever want to be an issue. Yep. Okay. Sure. Sure. Perfect. Thank you. Sure. I mean, I suppose yeah. Just yeah. Yeah. I guess it wouldn't hurt. Can I actually ask, though, when it says life cover buyback option, what does that mean? Mhmm. Yep. Yep. Yep. Yep. Right. Right. Got you. Yep. Cool. Yep. No worries. Perfect. Yep. Yep. Yep. With the income protection cover, just so I get my head around it again, 163. My option. What do I have? Blah blah blah blah blah. So the $4.04 $5.03 is so I'm just quickly looking. So after ninety days, I can claim the $4.04 $5.03. Yep. Five. Yep. Right. Right. Yep. Yep. Yep. Yeah. Sure. Yeah. Yeah. That would be lovely. Thank you. Yep. Absolutely. Absolutely. No worries. Now I had been yeah. I had been putting a little bit extra into the super, but I stopped that when we bought the investment property because it's just gonna go over there. It's probably a better way to do it, but yeah. I don't know. I probably do. Yeah. Yep. Yep. Yep. And you never miss that. Yes. I I I'd be more than happy to do that. Yes. Because it's I'm always of the belief you actually what you get you manage on. Do you know what I mean? So if you take a little bit before it hits anything, you still seem to manage. No. I'd I'd be very happy to do something like that. Yes. Yeah. Well, that's it. What you don't know, you don't spend. Perfect. Yeah. I do. Yep. I'm I'm pretty sure we do, and but I'm going to check, and I probably will update my will actually because now my kids are all older. There's a lot of stuff in there that can get these taken back out. But, yeah, I'm pretty sure I had a power of attorney. Yes. But I will double check that. No. Nope. Nope. Absolutely. Yes. Adding for performance Version. Oh, yep. Yep. Yep. Got it. Yeah. Yeah. Yep. Yeah. Cool. Yep. Yep. Yep. Yep. Right. Perfect. Yep. Right. Yep. Got you. Yep. Yep. Yep. Yep. Yep. Right. Right. Yep. Yep. Yep. Yep. Yep. Perfect. Okay. Okay. Sure. Right. I'm high I'm happy with higher fee, higher returns. Yep. Sure. Perfect. Okay. My super is I don't have a lot of super. I'm happy to be quite risky about it. Yep. Yep. Yep. Right. Yep. Yep. Yes. Yeah. Yep. No. I'd I'd be happy with something like that. I mean, that sounds awful, but Greg's Super is quite reasonable. We have a lot of equity in our house. Like, there's a lot of fallback positions for us. Sure. Thank you. Lovely. Yep. Nice. Oh, congratulations. Oh, perfect. Perfect. Oh, and that is not a problem with me at all. That's fine. No worries at all. No. No. No. No. Very happy. Yep. Yep. Yep. Not a problem at all. No. No. All good. Probably. I do so much signing online. So yeah. So happy for me to sign? Go ahead and sign. Yep. So oh, yep. Yep. Yep. That oh, Oh, look at that. Oh, god. I love it. After your date's gone in. Next document. So option to provide tax file number, you guys would have that, though, wouldn't you? Perfect. Yep. Yep. Done. That's fine. Done. Validate. Yeah. Perfect. Sorry. It's just loading. Just taking its time. Yeah. I know. Done. All done. No. No. You've been a great help. Thank you so very much. Yep. No. No worries at all. And, yeah, good luck with the birth of your daughter. What an amazing time. No. No worries. Thank you. See you later. 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Fantastic. How are you? Yeah. I just got back from a holiday yesterday, so I'm a bit sad.\n\nAbsolutely. It feels like you haven't been anywhere. It sure does. Sure does. But no.\n\nOtherwise, yeah, without the same. Cold, wet, miserable. But, anyway, all good. Mhmm. Absolutely.\n\nAbsolutely. Right. Of course. Not a clue. Is it just a word?\n\nA word and numbers, you can't tell, can you? Oh, sure. Yeah. No. That's it.\n\nNo worries. So date of birth is the 05/25/1974. It's 300 Diamond Swamp Road, Meadow Flat 2795. Diamond. Yep.\n\nWhich is the address. I I could yeah. Yeah. That's no. No.\n\n300Diamond is fine. Just say that the prompt can just be the usual password because then I know exact password. Yeah. For most stuff, not for everything. But yeah.\n\nYes. Yeah. No worries. I'll just grab my glasses so I can read it. Okay.\n\nHere it is. Yep. Okay. Oh, actually, I'm just gonna move into a different room, which is I mean, my Wi Fi, but I'll just if the connection doesn't work, I'll call you back. You still there?\n\nOh, oh, sweet. I I went nude. Yes. Yes. No.\n\nNo. Just to go through that sort of stuff and probably look at upping one of the insurances maybe if it does to the yeah. Just checking that, actually. It's about it. Okay.\n\nNo worries. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Nothing another good pay rise will be fixed, but, no, everything's okay. Certainly a lot better than most. So yeah. Look.\n\nBut a lot of people are doing it tough out there. That's for sure. Yeah. Yep. Okay.\n\nYes. It's a request. Hang on. My content Requested a signature on a document. Okay.\n\nCool. Yep. Yep. Yep. Perfect.\n\nYeah. Yeah. Yep. Yeah. So I probably no.\n\nNo. That's look. If it's I mean, it's I know that all those things are not particularly achievable necessarily, but it's it's a goal. But we actually did we did purchase an investment property, oh, just about a month or two ago. I'm gonna say that no.\n\nWell, no. I'm saying that loosely. We purchased it just like a lot of people, I suppose, just to be one of our daughters a bit of housing security. So yeah. So it's it's yes.\n\nYeah. Yeah. Yeah. So we'd yeah. She just pays rent.\n\nAnd, yeah, it's probably, to be perfectly honest, not set up to maximize everything, but it it, you you know, it it it's, you know, eventually I mean, and it's a unit, so I know there's probably not a lot of capital growth there or whatever. But, anyway, it is what it is, and it's where we're at. So and I think there's I think someone else has bought a unit in the same, and she she's got it as an investment property. We're probably our daughter pays probably it'd be submarket for the rent. But by the time you take in all the fees and stuff for real estate, we're not too far behind the ball.\n\nNo. No. No. Not no. Not at all, actually.\n\nNo. I actually wouldn't know anything in Sydney that you get close to breaking even, to be perfectly honest. But that's okay. It is what it is. And, I mean, I'm sure if I put that money into my soup, it would actually have the growth would be better than what this would be.\n\nThat's okay. It's okay. I know where I'm at, and I and I understand it. Yeah. Yep.\n\nSo we financed the whole lot, and the property was $6.70. Yep. Essentially. Yeah. Yeah.\n\nCorrect. Correct. Yeah. It would be. I suppose.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. We've we've, yeah, we've actually got which is the process. Just in because we refinanced our home loan just yet a bit of interest rate as well recently, And we've never had a a previous home loan didn't have any offset accounts.\n\nSo we have lots of offsets now. So we've probably got about 30,000 in savings. But, yeah, we thought that mails will work for us, and it sits there and but we're when we refinanced, I kept the how do I say this? I really hope to have the home loan paid off in ten years. So I've kept the repayments the same into that loan.\n\nDo you know what I mean? Like, the extra is not sitting in an offset. I still want that working in any extra fee of some benefit to us, if that makes sense. Yep. Yep.\n\nYep. Yep. No. No. Nope.\n\nYep. Still in? Oh, no. No. Okay.\n\nOh, that's much nicer. I'm earning about a 110 now. Oh, it's about a 108. Yeah. Yep.\n\nNo. It probably goes all into offsets. So I yeah. So my my wage goes straight into pay mortgages and and, yeah, it sits in and then it draws off that offset into everything else. Greg's, he puts extra also into the offset to for the difference for the investment line, and then he just sticks other money wherever it needs to go or whatever.\n\nYeah. Okay. Yeah. It does that affect. Yeah.\n\nYep. So the income which one out of pocket or the life? Which one do you wanna look at? Sure. Yeah.\n\nOkay. So I've got the out of pocket one, I think it is. Yes. Yep. Yep.\n\nOkay. Yes. Yes. Yes. Yep.\n\nNo. No. That's fine. So that is yep. Yep.\n\nYep. Yep. Yep. Okay. Sure.\n\nYep. Okay. Yep. Right. Yep.\n\nCorrect. Yep. Yeah. She said it's prob yeah. Prob I mean, I don't care if it's all not covered, but a really good chunk of the other property would be lovely.\n\nYou know? If something happens to me, Greg's got a good income, that that won't be a problem, but I just don't ever want to be an issue. Yep. Okay. Sure.\n\nSure. Perfect. Thank you. Sure. I mean, I suppose yeah.\n\nJust yeah. Yeah. I guess it wouldn't hurt. Can I actually ask, though, when it says life cover buyback option, what does that mean? Mhmm.\n\nYep. Yep. Yep. Yep. Right.\n\nRight. Got you. Yep. Cool. Yep.\n\nNo worries. Perfect. Yep. Yep. Yep.\n\nWith the income protection cover, just so I get my head around it again, 163. My option. What do I have? Blah blah blah blah blah. So the $4.04 $5.03 is so I'm just quickly looking.\n\nSo after ninety days, I can claim the $4.04 $5.03. Yep. Five. Yep. Right.\n\nRight. Yep. Yep. Yep. Yeah.\n\nSure. Yeah. Yeah. That would be lovely. Thank you.\n\nYep. Absolutely. Absolutely. No worries. Now I had been yeah.\n\nI had been putting a little bit extra into the super, but I stopped that when we bought the investment property because it's just gonna go over there. It's probably a better way to do it, but yeah. I don't know. I probably do. Yeah.\n\nYep. Yep. Yep. And you never miss that. Yes.\n\nI I I'd be more than happy to do that. Yes. Because it's I'm always of the belief you actually what you get you manage on. Do you know what I mean? So if you take a little bit before it hits anything, you still seem to manage.\n\nNo. I'd I'd be very happy to do something like that. Yes. Yeah. Well, that's it.\n\nWhat you don't know, you don't spend. Perfect. Yeah. I do. Yep.\n\nI'm I'm pretty sure we do, and but I'm going to check, and I probably will update my will actually because now my kids are all older. There's a lot of stuff in there that can get these taken back out. But, yeah, I'm pretty sure I had a power of attorney. Yes. But I will double check that.\n\nNo. Nope. Nope. Absolutely. Yes.\n\nAdding for performance Version. Oh, yep. Yep. Yep. Got it.\n\nYeah. Yeah. Yep. Yeah. Cool.\n\nYep. Yep. Yep. Yep. Right.\n\nPerfect. Yep. Right. Yep. Got you.\n\nYep. Yep. Yep. Yep. Yep.\n\nRight. Right. Yep. Yep. Yep.\n\nYep. Yep. Perfect. Okay. Okay.\n\nSure. Right. I'm high I'm happy with higher fee, higher returns. Yep. Sure.\n\nPerfect. Okay. My super is I don't have a lot of super. I'm happy to be quite risky about it. Yep.\n\nYep. Yep. Right. Yep. Yep.\n\nYes. Yeah. Yep. No. I'd I'd be happy with something like that.\n\nI mean, that sounds awful, but Greg's Super is quite reasonable. We have a lot of equity in our house. Like, there's a lot of fallback positions for us. Sure. Thank you.\n\nLovely. Yep. Nice. Oh, congratulations. Oh, perfect.\n\nPerfect. Oh, and that is not a problem with me at all. That's fine. No worries at all. No.\n\nNo. No. No. Very happy. Yep.\n\nYep. Yep. Not a problem at all. No. No.\n\nAll good. Probably. I do so much signing online. So yeah. So happy for me to sign?\n\nGo ahead and sign. Yep. So oh, yep. Yep. Yep.\n\nThat oh, Oh, look at that. Oh, god. I love it. After your date's gone in. Next document.\n\nSo option to provide tax file number, you guys would have that, though, wouldn't you? Perfect. Yep. Yep. Done.\n\nThat's fine. Done. Validate. Yeah. Perfect.\n\nSorry. It's just loading. Just taking its time. Yeah. I know.\n\nDone. All done. No. No. You've been a great help.\n\nThank you so very much. Yep. No. No worries at all. And, yeah, good luck with the birth of your daughter.\n\nWhat an amazing time. No. No worries. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.05730017274618149},{"text":"Fantastic.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.7505327463150024},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.5016065935293833},{"text":"Yeah.","start":14.335,"end":14.835,"sentiment":"neutral","sentiment_score":-0.2120177447795868},{"text":"I just got back from a holiday yesterday, so I'm a bit sad.","start":14.895,"end":17.795,"sentiment":"negative","sentiment_score":-0.41254447859067184}],"sentiment":"neutral","sentiment_score":-0.17170754035836772,"num_words":19,"start":0.96,"end":17.795},{"sentences":[{"text":"Absolutely.","start":21.695,"end":22.195,"sentiment":"neutral","sentiment_score":-0.24686279892921448},{"text":"It feels like you haven't been 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word?","start":58.620003,"end":59.84,"sentiment":"neutral","sentiment_score":-0.014346953295171262}],"sentiment":"neutral","sentiment_score":0.019202039654677112,"num_words":12,"start":38.13,"end":59.84},{"sentences":[{"text":"A word and numbers, you can't tell, can you?","start":60.780003,"end":63.04,"sentiment":"neutral","sentiment_score":-0.019231054414477613},{"text":"Oh, sure.","start":69.98,"end":70.695,"sentiment":"neutral","sentiment_score":0.014544099103659391},{"text":"Yeah.","start":72.455,"end":72.695,"sentiment":"neutral","sentiment_score":0.008777640759944916},{"text":"No.","start":72.695,"end":72.854996,"sentiment":"neutral","sentiment_score":-0.004140052944421768},{"text":"That's it.","start":72.854996,"end":73.335,"sentiment":"neutral","sentiment_score":-0.002172136097215116}],"sentiment":"neutral","sentiment_score":-0.009579865060125788,"num_words":15,"start":60.780003,"end":73.335},{"sentences":[{"text":"No worries.","start":73.335,"end":73.895,"sentiment":"neutral","sentiment_score":0.02536378614604473},{"text":"So date of birth is the 05/25/1974.","start":73.895,"end":76.715,"sentiment":"neutral","sentiment_score":0.010469028992312295},{"text":"It's 300 Diamond Swamp Road, Meadow Flat 2795.","start":81.495,"end":84.75,"sentiment":"neutral","sentiment_score":0.018156899604946375},{"text":"Diamond.","start":90.35,"end":90.85,"sentiment":"neutral","sentiment_score":0.019021086394786835},{"text":"Yep.","start":90.99,"end":91.49,"sentiment":"neutral","sentiment_score":0.02766348049044609}],"sentiment":"neutral","sentiment_score":0.01662897573489892,"num_words":19,"start":73.335,"end":91.49},{"sentences":[{"text":"Which is the address.","start":92.03,"end":93.01,"sentiment":"neutral","sentiment_score":0.018330764956772327},{"text":"I I could yeah.","start":95.55,"end":98.11,"sentiment":"neutral","sentiment_score":0.010723368264734745},{"text":"Yeah.","start":98.11,"end":98.43,"sentiment":"neutral","sentiment_score":0.011285360902547836},{"text":"That's no.","start":98.43,"end":100.025,"sentiment":"neutral","sentiment_score":-0.007077986374497414},{"text":"No.","start":100.025,"end":100.104996,"sentiment":"neutral","sentiment_score":-0.01769537478685379}],"sentiment":"neutral","sentiment_score":0.007970878854393959,"num_words":12,"start":92.03,"end":100.104996},{"sentences":[{"text":"300Diamond is fine.","start":100.104996,"end":101.645,"sentiment":"neutral","sentiment_score":0.026708208645383518},{"text":"Just say that the prompt can just be the usual password because then I know exact password.","start":101.784996,"end":108.924995,"sentiment":"neutral","sentiment_score":-0.0029065409565673154},{"text":"Yeah.","start":110.025,"end":110.525,"sentiment":"neutral","sentiment_score":-0.005662960931658745},{"text":"For most stuff, not for everything.","start":110.744995,"end":112.265,"sentiment":"neutral","sentiment_score":-0.023252385047574837},{"text":"But yeah.","start":112.265,"end":113.255,"sentiment":"neutral","sentiment_score":-0.004978171084076167}],"sentiment":"neutral","sentiment_score":-0.00429035116243979,"num_words":29,"start":100.104996,"end":113.255},{"sentences":[{"text":"Yes.","start":122.43,"end":122.93,"sentiment":"positive","sentiment_score":0.351921021938324},{"text":"Yeah.","start":133.005,"end":133.245,"sentiment":"neutral","sentiment_score":0.1075710654258728},{"text":"No worries.","start":133.245,"end":133.645,"sentiment":"neutral","sentiment_score":0.13768037036061287},{"text":"I'll just grab my glasses so I can read 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there?","start":177.11,"end":178.01,"sentiment":"neutral","sentiment_score":0.015013257041573524}],"sentiment":"neutral","sentiment_score":0.014232985146746441,"num_words":37,"start":139.645,"end":178.01},{"sentences":[{"text":"Oh, oh, sweet.","start":178.71,"end":180.89,"sentiment":"neutral","sentiment_score":-0.09511433883259694},{"text":"I I went nude.","start":181.83,"end":183.85,"sentiment":"neutral","sentiment_score":-0.12257963977754116},{"text":"Yes.","start":189.07501,"end":189.57501,"sentiment":"neutral","sentiment_score":-0.0016545094549655914},{"text":"Yes.","start":190.115,"end":190.615,"sentiment":"neutral","sentiment_score":0.019470488652586937},{"text":"No.","start":209.06001,"end":209.3,"sentiment":"neutral","sentiment_score":-0.13415132462978363}],"sentiment":"neutral","sentiment_score":-0.08919969210401177,"num_words":10,"start":178.71,"end":209.3},{"sentences":[{"text":"No.","start":209.3,"end":209.54001,"sentiment":"neutral","sentiment_score":-0.13074089586734772},{"text":"Just to go through that sort of stuff and probably look at upping one of the insurances maybe if it does to the yeah.","start":209.54001,"end":220.565,"sentiment":"neutral","sentiment_score":-0.1351812876140078},{"text":"Just checking that, 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most.","start":253.065,"end":254.685,"sentiment":"positive","sentiment_score":0.4451947609583537},{"text":"So yeah.","start":255.225,"end":259.53,"sentiment":"neutral","sentiment_score":0.16563123930245638},{"text":"Look.","start":260.07,"end":260.57,"sentiment":"neutral","sentiment_score":-0.06009729206562042}],"sentiment":"neutral","sentiment_score":0.18942956668748098,"num_words":22,"start":248.505,"end":260.57},{"sentences":[{"text":"But a lot of people are doing it tough out there.","start":262.79,"end":264.63,"sentiment":"neutral","sentiment_score":-0.2982304407791658},{"text":"That's for 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help.","start":1582.785,"end":1583.665,"sentiment":"positive","sentiment_score":0.5647848784923554}],"sentiment":"neutral","sentiment_score":0.3110687106847763,"num_words":10,"start":1574.945,"end":1583.665},{"sentences":[{"text":"Thank you so very much.","start":1583.665,"end":1584.84,"sentiment":"positive","sentiment_score":0.784495222568512},{"text":"Yep.","start":1589.5599,"end":1590.0599,"sentiment":"neutral","sentiment_score":0.16936585307121277},{"text":"No.","start":1591.08,"end":1591.58,"sentiment":"neutral","sentiment_score":-0.007317045703530312},{"text":"No worries at all.","start":1595.24,"end":1596.44,"sentiment":"neutral","sentiment_score":0.32083551585674286},{"text":"And, yeah, good luck with the birth of your daughter.","start":1596.44,"end":1599.1799,"sentiment":"positive","sentiment_score":0.6246236443519593}],"sentiment":"positive","sentiment_score":0.5530525441503241,"num_words":21,"start":1583.665,"end":1599.1799},{"sentences":[{"text":"What an amazing time.","start":1599.2129,"end":1601.793,"sentiment":"positive","sentiment_score":0.8040357679128647},{"text":"No.","start":1602.9729,"end":1603.4729,"sentiment":"neutral","sentiment_score":-0.02958562970161438},{"text":"No worries.","start":1603.6129,"end":1604.0929,"sentiment":"neutral","sentiment_score":0.06060480698943138},{"text":"Thank you.","start":1604.0929,"end":1604.408,"sentiment":"positive","sentiment_score":0.4441199153661728},{"text":"See you later.","start":1604.408,"end":1605.2329,"sentiment":"positive","sentiment_score":0.3652767539024353}],"sentiment":"positive","sentiment_score":0.44098642903069657,"num_words":12,"start":1599.2129,"end":1605.2329},{"sentences":[{"text":"Bye.","start":1605.2928,"end":1605.7928,"sentiment":"neutral","sentiment_score":0.16655975580215454}],"sentiment":"neutral","sentiment_score":0.16655975580215454,"num_words":1,"start":1605.2928,"end":1605.7928}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Susan. It's Tommy here, senior adviser from. How are you going today?\n\nChannel 1: Fantastic. How are you?\n\nChannel 0: I'm living the dream. It's beautiful, cold, and wet just the way we like it. What about your end?\n\nChannel 1: Yeah. I just got back from a holiday yesterday, so I'm a bit sad.\n\nChannel 0: Oh, no. The old post holiday blues.\n\nChannel 1: Absolutely. It feels like you haven't been anywhere.\n\nChannel 0: I know. I know. It resets very quickly, doesn't it?\n\nChannel 1: It sure does. Sure does. But no. Otherwise, yeah, without the same. Cold, wet, miserable.\n\nBut, anyway, all good.\n\nChannel 0: Perfect. Perfect time to do an annual review for your superannuation.\n\nChannel 1: Mhmm. Absolutely. Absolutely.\n\nChannel 0: So what I'm gonna do today is I've got a bit of an email pack that I'm just prepping up to send for review.\n\nChannel 1: Right.\n\nChannel 0: In the meantime, do you mind if I just quickly check security with you?\n\nChannel 1: Of course.\n\nChannel 0: Perfect. Do you remember your Oakview password by any chance?\n\nChannel 1: Not a clue. Is it just a word? A word and numbers, you can't tell, can\n\nChannel 0: For\n\nChannel 1: you?\n\nChannel 0: some reason, we don't have a prompt on there. So what I'll do is I'll just check date of birth and address, and then I'll add the prompt\n\nChannel 1: Oh, sure.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: No. That's\n\nChannel 0: Because\n\nChannel 1: it. No worries.\n\nChannel 0: once\n\nChannel 1: So date\n\nChannel 0: you\n\nChannel 1: of birth is the\n\nChannel 0: have\n\nChannel 1: 05/25/1974.\n\nChannel 0: k. And address?\n\nChannel 1: It's 300 Diamond Swamp Road, Meadow Flat 2795.\n\nChannel 0: Perfect. Alright. So the the password is actually 300Diamond.\n\nChannel 1: Diamond. Yep. Which is the\n\nChannel 0: Yep.\n\nChannel 1: address.\n\nChannel 0: So so do you want\n\nChannel 1: I\n\nChannel 0: me\n\nChannel 1: I\n\nChannel 0: to leave\n\nChannel 1: could\n\nChannel 0: it as 300 Diamond or\n\nChannel 1: yeah.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: Diamond?\n\nChannel 1: That's\n\nChannel 0: And I can put a prompt in.\n\nChannel 1: no. No. 300Diamond is fine. Just say that\n\nChannel 0: Yeah.\n\nChannel 1: the prompt can just be the usual password\n\nChannel 0: The\n\nChannel 1: because then I know\n\nChannel 0: usual\n\nChannel 1: exact\n\nChannel 0: platform.\n\nChannel 1: password. Yeah. For most stuff, not\n\nChannel 0: Perfect.\n\nChannel 1: for everything. But yeah.\n\nChannel 0: Now I'm just gonna check a couple of things as well before I send this through to you. Do you have access to your BigPond email to look onto the documents with me today?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So when I get those through, we'll update a few details. I'll go through your superannuation with you, and then we'll go through a couple of the attachments together.\n\nChannel 1: Yeah. No worries. I'll just grab my glasses so I can read it.\n\nChannel 0: That is\n\nChannel 1: Okay. Here\n\nChannel 0: no\n\nChannel 1: it is.\n\nChannel 0: worries at all.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Alright. So I'm just gonna pop your email address in here.\n\nChannel 1: Oh, actually, I'm just gonna move into a different room, which is I mean, my Wi Fi, but I'll just if the connection doesn't work, I'll call you back.\n\nChannel 0: No. That's no worries at all. And you've got our 1300 number just to call through to the main line, and we'll pick it up from there?\n\nChannel 1: You still there? Oh,\n\nChannel 0: Yeah. I've still got you. It went choppy for\n\nChannel 1: oh, sweet.\n\nChannel 0: a half a second, but I've got you.\n\nChannel 1: I I went nude.\n\nChannel 0: No. It's always away. You find that one corner of the house.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Alright. So I'm gonna get this through to you in a moment. And, Susan, just while you're getting set up on the computer there, is there anything in particular you're hoping to get out of this year's review?\n\nChannel 1: No. No. Just to go through that sort of stuff and probably look at upping one of the insurances maybe if it does to the yeah. Just checking that, actually. It's about it.\n\nChannel 0: Yep. Perfect. Alright. So what I'll do is I'll get this accent through to you. It's usually pretty instant.\n\nOnce it comes through, it's the first time with our new system, it may go to your spam box. Just keep an eye out there as well.\n\nChannel 1: Okay.\n\nChannel 0: And that should be coming through in about twenty seconds.\n\nChannel 1: No\n\nChannel 0: And\n\nChannel 1: worries.\n\nChannel 0: other than that, has everything been going okay for you\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: financially?\n\nChannel 1: Yeah. Yeah. Nothing another good pay rise will be fixed, but, no, everything's okay. Certainly a lot better\n\nChannel 0: Yeah.\n\nChannel 1: than most. So\n\nChannel 0: This day and age, that would be very welcome, wouldn't it?\n\nChannel 1: yeah. Look. But a lot of people are doing it tough out there. That's for sure.\n\nChannel 0: Yeah. Absolutely. And I talk to them every day. There's there's it's pretty much across the board at this point, so it wouldn't surprise me.\n\nChannel 1: Yeah. Yep. Okay.\n\nChannel 0: Now has that popped through already?\n\nChannel 1: Yes. It's a request. Hang on. My content\n\nChannel 0: Yep.\n\nChannel 1: Requested a signature on a document.\n\nChannel 0: Yep. So don't hit any sign buttons now. That's\n\nChannel 1: Okay.\n\nChannel 0: just for, like, service agreement, but at the bottom\n\nChannel 1: Cool.\n\nChannel 0: is all of\n\nChannel 1: Yep.\n\nChannel 0: the annual review pack attachments. So\n\nChannel 1: Yep.\n\nChannel 0: what I've sent through is physical performance, your insurance certificates, financial services guide update,\n\nChannel 1: Yep.\n\nChannel 0: and a couple little visual documents there as well. Now\n\nChannel 1: Perfect.\n\nChannel 0: goals wise, we had you wanting to retire a little bit earlier if possible,\n\nChannel 1: Yeah.\n\nChannel 0: not waiting till 67, probably 63 if possible,\n\nChannel 1: Yeah.\n\nChannel 0: and about a thousand dollars a week. And the main focus was basically just pay on the mortgage, maybe get an investment property, and then just have that nice stable base. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: about right?\n\nChannel 1: Yeah. So\n\nChannel 0: Sensational.\n\nChannel 1: I probably\n\nChannel 0: Anything else?\n\nChannel 1: no. No. That's look. If it's I mean, it's I know that all those things are not particularly achievable necessarily, but it's it's a goal. But we actually did we did purchase an investment property, oh, just about a month or two ago.\n\nChannel 0: Congratulations.\n\nChannel 1: I'm gonna say that no. Well, no. I'm saying that loosely. We purchased it just like a lot of people, I suppose, just to be one of our daughters a bit of housing security.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: yeah. So\n\nChannel 0: do they\n\nChannel 1: it's\n\nChannel 0: kind\n\nChannel 1: it's\n\nChannel 0: of rent it out on your\n\nChannel 1: yes.\n\nChannel 0: behalf\n\nChannel 1: Yeah.\n\nChannel 0: kind of thing?\n\nChannel 1: Yeah. Yeah. So we'd yeah. She just pays rent. And, yeah, it's probably, to be perfectly honest, not set up to maximize everything, but\n\nChannel 0: Yeah.\n\nChannel 1: it it, you you know, it it it's, you know, eventually I mean, and it's a unit, so I know there's probably not a lot of capital growth there or whatever. But, anyway,\n\nChannel 0: Yeah.\n\nChannel 1: it is what it is, and it's where we're at. So and I think there's I think someone else has bought a unit in the same, and she she's got it as an investment property. We're probably our daughter pays probably it'd be submarket for the rent. But by the time you take in all the fees and stuff for real estate, we're not too far behind the ball.\n\nChannel 0: Yeah. Cool. So it's getting close to breaking even there, so not too\n\nChannel 1: No.\n\nChannel 0: bad\n\nChannel 1: No.\n\nChannel 0: on the cash\n\nChannel 1: No.\n\nChannel 0: flow.\n\nChannel 1: Not no. Not at all, actually. No. I actually wouldn't know anything in Sydney that you get close to breaking even, to\n\nChannel 0: Yeah.\n\nChannel 1: be perfectly\n\nChannel 0: I hit\n\nChannel 1: honest.\n\nChannel 0: that\n\nChannel 1: But\n\nChannel 0: a lot\n\nChannel 1: that's\n\nChannel 0: at\n\nChannel 1: okay.\n\nChannel 0: the moment.\n\nChannel 1: It is what it is. And, I mean, I'm sure if I put that money into my soup, it would actually have the growth would be better than what this would be. That's okay. It's okay.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Can\n\nChannel 1: know\n\nChannel 0: I\n\nChannel 1: where\n\nChannel 0: just\n\nChannel 1: I'm\n\nChannel 0: quickly\n\nChannel 1: at, and I\n\nChannel 0: check\n\nChannel 1: and\n\nChannel 0: the\n\nChannel 1: I understand it.\n\nChannel 0: in terms of, like, property value and debt owing on that property,\n\nChannel 1: Yeah.\n\nChannel 0: could\n\nChannel 1: Yep.\n\nChannel 0: you just give me a bit of a a rough estimate on those?\n\nChannel 1: So we financed the whole lot, and\n\nChannel 0: Six\n\nChannel 1: the property was $6.70. Yep.\n\nChannel 0: 70,000, and you've got that full amount on there essentially, and that's\n\nChannel 1: Essentially.\n\nChannel 0: been leveraged\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: off your home.\n\nChannel 1: Correct. Correct.\n\nChannel 0: Okay. So the home was previously 480,000 mowing. Do you know what the total combined would be? Would it be around that 1.15?\n\nChannel 1: Yeah. It would be.\n\nChannel 0: Yep.\n\nChannel 1: I suppose.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Alright.\n\nChannel 1: Yep. Yep. Yep. Yep. Yep.\n\nYep.\n\nChannel 0: Perfect. The only other assets we had listed was just a motor vehicle, and I'm just wondering if you have any have you managed to build up any like, emergency fund savings? Any\n\nChannel 1: Yeah. We've\n\nChannel 0: cash or\n\nChannel 1: we've,\n\nChannel 0: anything like that?\n\nChannel 1: yeah, we've actually got which is the process. Just in because we refinanced our home loan just yet a bit of interest rate as well recently, And we've never had a a previous home loan didn't have any offset accounts. So we have lots of offsets now. So we've probably got about 30,000 in savings.\n\nChannel 0: Perfect. All just split between the different offset accounts.\n\nChannel 1: But, yeah, we thought that mails will work for us, and it sits there and but we're when we refinanced, I kept the how do I say this? I really hope to have the home loan paid off in ten years. So I've kept the repayments\n\nChannel 0: Yep.\n\nChannel 1: the same into that loan. Do you know what I mean? Like, the extra is not sitting in an offset. I still want that working in any extra fee of some benefit to us, if that makes sense.\n\nChannel 0: Yeah. Absolutely\n\nChannel 1: Yep.\n\nChannel 0: does.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Alright. And the last thing I wanted to check with you, I'm assuming there's been no change, obviously, in address, email, phone,\n\nChannel 1: No.\n\nChannel 0: and\n\nChannel 1: No.\n\nChannel 0: still still married with Greg with no new dependents.\n\nChannel 1: Nope.\n\nChannel 0: And just in terms of occupation, so we had you teaching at a correctional center\n\nChannel 1: Yep.\n\nChannel 0: earning about\n\nChannel 1: Still\n\nChannel 0: 70\n\nChannel 1: in?\n\nChannel 0: thousand.\n\nChannel 1: Oh, no. No. Okay. Oh, that's much nicer. I'm earning about a 110 now.\n\nChannel 0: Fantastic. Love\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: it's\n\nChannel 0: hear\n\nChannel 1: about a 108. Yeah.\n\nChannel 0: it. Alright.\n\nChannel 1: Yep.\n\nChannel 0: I'll go I'll go specific. I'll go a 108. Alrighty. That's pretty good. And do you put anything like, obviously, you've got the extra repayments into the mortgage.\n\nIs there anything else that you put into in terms of surplus cash flow and the savings where you like every pay, a $102,100 goes off to here, or is it all just kind of bills and into the offset?\n\nChannel 1: No. It probably goes all into offsets. So I yeah. So my my wage goes straight into pay mortgages and and, yeah, it sits in and then it draws off that offset into everything else. Greg's, he puts extra also into the offset to for the difference for the investment line, and\n\nChannel 0: Yep.\n\nChannel 1: then he just sticks other money wherever it needs to go or whatever. Yeah.\n\nChannel 0: There's\n\nChannel 1: Okay.\n\nChannel 0: cash.\n\nChannel 1: Yeah. It does that affect. Yeah.\n\nChannel 0: Yep. Perfect. Okay. So if you can go on to the insurance certificates with me just to start with, we have two there at the bottom of that email.\n\nChannel 1: Yep. So the income\n\nChannel 0: So\n\nChannel 1: which one out of pocket or the life? Which one do you wanna look at?\n\nChannel 0: either one's fine. I've got both of them up in front of me. I just wanted to show you kind of what you've got and what we may need to adjust.\n\nChannel 1: Sure. Yeah. Okay. So I've got the out of pocket one, I think it is. Yes.\n\nYep.\n\nChannel 0: Yep. So that should be about $42 a month, and that's\n\nChannel 1: Yep.\n\nChannel 0: your they call it critical illness or trauma cover,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Yes.\n\nChannel 0: that's your, like, heart attack, stroke, cancer, that kind of thing.\n\nChannel 1: Yes. Yes.\n\nChannel 0: K? Now that cover amount in premium obviously changes every year, and\n\nChannel 1: Yep.\n\nChannel 0: you've got an anniversary that's just gone by on the May 8. So just double checking that that premium hasn't jumped up too much to become unaffordable for you.\n\nChannel 1: No. No. That's fine.\n\nChannel 0: Perfect. And then if you can open up the other certificate on just having a look at the life and disability insurance to start with.\n\nChannel 1: So that is yep. Yep.\n\nChannel 0: K. So it's gone up to $3.06. And then after the premium rebate, it goes down to 3,000 flat just about.\n\nChannel 1: Yep.\n\nChannel 0: That comes out of the super. And then\n\nChannel 1: Yep.\n\nChannel 0: if you go down, you've got the life, the TPD, the income protection.\n\nChannel 1: Yep.\n\nChannel 0: Now one thing that I've got to be very careful on is we can look at, like, increasing the cover a little bit. But once you hit that sort of mid fifties and start approaching 60, that jumps up very quickly. So\n\nChannel 1: Okay.\n\nChannel 0: I need to have a bit of a balancing act with you over the next five to ten years.\n\nChannel 1: Sure.\n\nChannel 0: So at the moment, 621,800 for the life insurance, a\n\nChannel 1: Yep.\n\nChannel 0: little bit less for the TBD because what we've done here is it's linked the TBD and the trauma to your life insurance to make it more affordable.\n\nChannel 1: Okay.\n\nChannel 0: So they kind of share that same pool of funds, and\n\nChannel 1: Yep.\n\nChannel 0: then there's, you know, buyback options and so on so you can claim on both for all three. K?\n\nChannel 1: Right.\n\nChannel 0: So in terms of the previous mortgage, like, the the mortgage that you've\n\nChannel 1: Yep.\n\nChannel 0: got for your home, it's gonna cover that portion, but not the investment portion there as\n\nChannel 1: Correct.\n\nChannel 0: well. Are\n\nChannel 1: Yep.\n\nChannel 0: you thinking of just kind of bumping it up to, like, a million flats or cover the whole debt? What are you kind of thinking?\n\nChannel 1: Yeah. She said it's prob yeah. Prob I mean, I don't care if it's all not covered, but a really good chunk of the other property would be lovely. You know? If something happens\n\nChannel 0: Okay.\n\nChannel 1: to me, Greg's got a good income, that that won't be a problem, but I just don't ever want to be an\n\nChannel 0: Yeah.\n\nChannel 1: issue.\n\nChannel 0: So what I might do is I'll do a bit of a quote for\n\nChannel 1: Yep.\n\nChannel 0: one mill, bump it up. I'm kind of thinking just based on proportions, it's probably gonna be about $750 extra coming out of the super for that\n\nChannel 1: Okay.\n\nChannel 0: is what I can kind of guesstimate. And then because your income's gone up, your contributions have gone up, so I'll just make sure that the premiums aren't too high compared to your contributions in growth.\n\nChannel 1: Sure. Sure. Perfect. Thank you.\n\nChannel 0: No worries. Outside of that, would you like me to look around to see if there's any other insurer that we should consider that may be offering a better deal? Because I'll do an operation quote with Compass, but do you want me to kind of shop around as well?\n\nChannel 1: Sure. I mean, I suppose yeah. Just yeah. Yeah. I guess it wouldn't hurt.\n\nCan I actually ask, though, when it says life cover buyback option, what does that mean? Mhmm.\n\nChannel 0: So when I was mentioning before that your TPD, which is your total disability, and\n\nChannel 1: Yep.\n\nChannel 0: your trauma are linked to your life insurance.\n\nChannel 1: Yep.\n\nChannel 0: So what happens is, let's say, you have a heart attack\n\nChannel 1: Yep.\n\nChannel 0: and your trauma insurance pays out that $60,000 to you,\n\nChannel 1: Yep.\n\nChannel 0: it'll then reduce your life insurance by $60,000.\n\nChannel 1: Right.\n\nChannel 0: And then\n\nChannel 1: Right.\n\nChannel 0: the buyback, after a period of time, will fill it back up again.\n\nChannel 1: Got you. Yep. Cool. Yep. No worries.\n\nPerfect.\n\nChannel 0: Same thing with CBD, permanent disability,\n\nChannel 1: Yep.\n\nChannel 0: pulls it down, fills it up, and then as long as there's a gap in between in time frame for the fill up to occur, then you can claim on both.\n\nChannel 1: Yep. Yep. With\n\nChannel 0: Perfect.\n\nChannel 1: the income protection cover, just so I get my head around it again, 163. My option. What do I have? Blah blah blah blah blah. So the $4.04 $5.03 is so I'm just quickly looking.\n\nSo after\n\nChannel 0: Yep. So\n\nChannel 1: ninety days, I can claim the $4.04 $5.03.\n\nChannel 0: Yeah. Per month. So if you're out of work for ninety days due to illness or injury, it'll\n\nChannel 1: Yep.\n\nChannel 0: kick in monthly amount of that, and that's gross. That's before tax. So think of\n\nChannel 1: Five.\n\nChannel 0: it as just under $1,000 a week net of tax,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Right.\n\nChannel 0: that goes up to three years maximum per injury or illness.\n\nChannel 1: Right.\n\nChannel 0: So technically speaking, because the cover's maximum is 70% of your income, it was covering an income of 76,000\n\nChannel 1: Yep.\n\nChannel 0: and 70% of that.\n\nChannel 1: Yep.\n\nChannel 0: Again, that then looks like it's underinsured compared to what we could be covered for with your income.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: But, again, pricing as well is a is a consideration there.\n\nChannel 1: Sure.\n\nChannel 0: So I can definitely have a look at an increase there as well.\n\nChannel 1: Yeah. Yeah. That would be lovely. Thank you.\n\nChannel 0: And then I'm gonna be very careful in terms of projections because if I've increased both of them, it's gonna\n\nChannel 1: Yep.\n\nChannel 0: slow down the growth of the server a little bit.\n\nChannel 1: Absolutely. Absolutely. No worries.\n\nChannel 0: Perfect.\n\nChannel 1: Now I had\n\nChannel 0: So\n\nChannel 1: been yeah. I had\n\nChannel 0: yep.\n\nChannel 1: been putting a little bit extra into the super, but I stopped that when we bought the investment property because it's just gonna go over there. It's probably\n\nChannel 0: Yeah.\n\nChannel 1: a better\n\nChannel 0: Yep.\n\nChannel 1: way to do it, but yeah. I don't know.\n\nChannel 0: Do you have any capacity to put in a little extra salary sacrifice wise to help cover some of the premiums?\n\nChannel 1: I probably do. Yeah.\n\nChannel 0: K. Because I'm kind of thinking, like, as a bit of a rule of thumb, based on your new tax bracket, if you\n\nChannel 1: Yep.\n\nChannel 0: put in, say, $50 a week just as an example, that\n\nChannel 1: Yep.\n\nChannel 0: probably cost you about 35 in your take home pay.\n\nChannel 1: Yep. And you never miss\n\nChannel 0: K?\n\nChannel 1: that.\n\nChannel 0: So if that seems like a reasonable map, I can kind of add that into the projections and kinda show you the difference that that would make.\n\nChannel 1: Yes. I I I'd be more than happy to do that. Yes. Because it's I'm always of the belief you actually what you get you manage on. Do you know what I mean?\n\nSo if\n\nChannel 0: Yeah.\n\nChannel 1: you take a little bit before it hits anything, you still seem to manage. No. I'd I'd be very happy to do something like that. Yes.\n\nChannel 0: Perfect. It's kinda like forced savings, and it tends to work well for a lot of\n\nChannel 1: Yeah. Well, that's it. What you don't know, you don't spend.\n\nChannel 0: people. Yep. That's exactly right. If\n\nChannel 1: Perfect.\n\nChannel 0: I go down just briefly to your estate planning, we have we did have a note, and I'm just double checking with the new system that you did have a will in place.\n\nChannel 1: Yeah. I do.\n\nChannel 0: K. Now do you remember putting in place a power of attorney where if you're in the hospital, someone can act on your behalf\n\nChannel 1: Yep.\n\nChannel 0: to talk to\n\nChannel 1: I'm\n\nChannel 0: the doctors, all that kind of thing?\n\nChannel 1: I'm pretty sure we do, and but I'm going to check, and I probably will update my will actually because now my kids are all older. There's a lot of stuff in there that can get these taken back out. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I'm pretty sure I had a power of attorney. Yes. But I will double check that.\n\nChannel 0: Perfect. Alrighty. So any questions so far on the insurance\n\nChannel 1: No.\n\nChannel 0: or what state planning?\n\nChannel 1: Nope. Nope.\n\nChannel 0: Alright. And you're still happy, I'm assuming, for grade three listed as your beneficiary for the super and the life insurance?\n\nChannel 1: Absolutely. Yes.\n\nChannel 0: Perfect. Alrighty. Now do you have the sub 24 performance report handy in that email too?\n\nChannel 1: Adding for performance Version. Oh, yep. Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Got it.\n\nChannel 0: Now I'm extremely impressed with how your service handled the recent market drop that\n\nChannel 1: Yeah.\n\nChannel 0: happened in March from what happened overseas in the oil\n\nChannel 1: Yeah.\n\nChannel 0: crisis.\n\nChannel 1: Yep.\n\nChannel 0: Your extra contributions did this really amazing thing where as the market dropped, they kept coming in a lot higher and bought into the market for whatever back up.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: So what's essentially happened was twelve months ago, you were at 77,000. Now you're just\n\nChannel 1: Yep.\n\nChannel 0: shy of 96,000. So it's\n\nChannel 1: Yep.\n\nChannel 0: kind of going up nicely quickly.\n\nChannel 1: Yep.\n\nChannel 0: And then in the recent situation, you had it drop all the way down to let me just quickly check this one date. That went to 90,000, and then\n\nChannel 1: Yep.\n\nChannel 0: it bounced immediately back up to that $95.07 $9.05 within a few weeks.\n\nChannel 1: Right. Perfect.\n\nChannel 0: Now how you kind\n\nChannel 1: Yep.\n\nChannel 0: of read these performance reports is all of your investment options are listed here, and the right hand side has the percentage returns if that rings a bell.\n\nChannel 1: Right. Yep. Got you. Yep.\n\nChannel 0: K? So all of them are pretty well positive in the double digits. You can see a lot of twenties along there\n\nChannel 1: Yep.\n\nChannel 0: where\n\nChannel 1: Yep.\n\nChannel 0: the infrastructure, the agriculture, the gold, the American shares, everything's up really high. The only two that aren't up high is that bank hybrid in the middle,\n\nChannel 1: Yep. Yep.\n\nChannel 0: which is about that 4%. That's your defensive asset in terms of policy.\n\nChannel 1: Right.\n\nChannel 0: So that's supposed to do about 4%. The one at the top is the only one that currently concerns me, which is the Australian shares portion, which has actually dropped 21.7%.\n\nChannel 1: Right. Yep. Yep.\n\nChannel 0: So if you go to the next page, it'll have your whole portfolio across the one line.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And basically, just shy of a 9% return after fees, which is basically exactly what you want for a growth portfolio as a long term average.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: What I would like to do is I just I really need to replace that one option because\n\nChannel 1: Okay.\n\nChannel 0: that drop is a little bit higher than all the other Australian shares options, and it it's kind of fallen out of the pack, that one option.\n\nChannel 1: Okay. Sure.\n\nChannel 0: So I do have one question for you. There's no wrong answers here. And, of course, I'll make a recommendation, but we can choose between any style of investment, and Hub has the most investment options in the country.\n\nChannel 1: Right.\n\nChannel 0: So just to kind of shortlist that a little bit, do you have a preference between low fee investments or paying a bit higher fee to try and get a higher return?\n\nChannel 1: I'm high I'm happy with higher fee, higher returns.\n\nChannel 0: Cool. So that's the current style where we're blending both of those, and\n\nChannel 1: Yep.\n\nChannel 0: I can basically just compare an alternative that is doing better in that space for you.\n\nChannel 1: Sure. Perfect.\n\nChannel 0: The last question I had regarding the super was just in terms of risk level.\n\nChannel 1: Okay. My\n\nChannel 0: Now\n\nChannel 1: super\n\nChannel 0: your\n\nChannel 1: is I don't have a lot of super. I'm happy to be quite risky about it.\n\nChannel 0: yeah. So I have to, again, balance two things, which is if we're gonna retire in November, but then again, you wanna catch the super up, usually a growth profile, which you're in a growth, which is four\n\nChannel 1: Yep.\n\nChannel 0: out of five.\n\nChannel 1: Yep.\n\nChannel 0: That's recommended for eight to nine years,\n\nChannel 1: Yep.\n\nChannel 0: and high growth is recommended for, say, nine to ten years or above.\n\nChannel 1: Right.\n\nChannel 0: So you do just have enough time to do a period of growth within a high growth setting and continuously buy into the market. Once you've gotten\n\nChannel 1: Yep.\n\nChannel 0: about six or seven years of good growth, we then\n\nChannel 1: Yep.\n\nChannel 0: start to reduce your risk level down.\n\nChannel 1: Yes.\n\nChannel 0: So instead of 90 shares in property, we can start reducing that as you go to pension phase.\n\nChannel 1: Yeah. Yep. No. I'd I'd be happy with something like that. I mean, that sounds awful, but Greg's Super is quite reasonable.\n\nWe have a lot of equity in our house. Like, there's a lot of fallback positions for\n\nChannel 0: Yep.\n\nChannel 1: us.\n\nChannel 0: Okay. Perfect. So I'll compare a high growth portfolio with a bit of a a fix up on a couple of options,\n\nChannel 1: Sure.\n\nChannel 0: and I'll add in the different insurance premiums as well as the salary expense.\n\nChannel 1: Thank you. Lovely.\n\nChannel 0: Perfect. So what I've got to do from here basically is we're gonna research those comparisons, put your plans together over the next couple of weeks.\n\nChannel 1: Yep.\n\nChannel 0: And then I'm actually going on leave in about a week's time because\n\nChannel 1: Nice.\n\nChannel 0: I have my third baby is coming on the eleventh\n\nChannel 1: Oh,\n\nChannel 0: of\n\nChannel 1: congratulations.\n\nChannel 0: June. Thank you. So we've got two boys and we got a daughter on the way, so I'm going paternity leave.\n\nChannel 1: Oh, perfect. Perfect.\n\nChannel 0: But as the guide, because I don't have all the assets, shall we say, I'm only gonna take a couple of weeks and then a little bit little bit more further in the year. So basically, what I'm saying, Susan, is I'll get you booked in as soon as I get.\n\nChannel 1: Oh, and that is not a problem with me at all. That's fine. No worries\n\nChannel 0: Appreciate\n\nChannel 1: at all.\n\nChannel 0: that. Thank you.\n\nChannel 1: No.\n\nChannel 0: Any questions on the direction so far? Because, obviously, I'll put\n\nChannel 1: No.\n\nChannel 0: it in a plan for you to read through, but does it\n\nChannel 1: No.\n\nChannel 0: make sense?\n\nChannel 1: No. Very happy.\n\nChannel 0: Perfect. The last thing is we included your updated service agreement there.\n\nChannel 1: Yep.\n\nChannel 0: We've got there's no change in the fees, 1.65% that gets spread across monthly payments. And, again, no lock in for the twelve months, but it's just a consent so that we can still interact with the Superfund on your\n\nChannel 1: Yep.\n\nChannel 0: behalf.\n\nChannel 1: Yep. Not\n\nChannel 0: Alrighty.\n\nChannel 1: a problem\n\nChannel 0: Any\n\nChannel 1: at\n\nChannel 0: questions\n\nChannel 1: all.\n\nChannel 0: on that?\n\nChannel 1: No. No. All good.\n\nChannel 0: Cool. Susan, have you ever used our new Odoo sign? Have you ever seen these emails with the purple buttons before?\n\nChannel 1: Probably.\n\nChannel 0: Cool.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: it's\n\nChannel 1: so much\n\nChannel 0: just\n\nChannel 1: signing\n\nChannel 0: like a\n\nChannel 1: online.\n\nChannel 0: DocuSign.\n\nChannel 1: So yeah.\n\nChannel 0: Yep.\n\nChannel 1: So happy\n\nChannel 0: So\n\nChannel 1: for\n\nChannel 0: you're\n\nChannel 1: me to\n\nChannel 0: used\n\nChannel 1: sign?\n\nChannel 0: to it.\n\nChannel 1: Go ahead and sign. Yep. So oh, yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yes, please.\n\nChannel 1: That oh, Oh, look at that. Oh, god. I love it. After your date's gone in. Next document.\n\nSo option to provide tax file number, you guys would have that, though, wouldn't you?\n\nChannel 0: Yeah. So what\n\nChannel 1: Perfect.\n\nChannel 0: we've got for these forms is\n\nChannel 1: Yep.\n\nChannel 0: a consent to hold the tax phone number.\n\nChannel 1: Yep. Done. That's fine. Done. Validate.\n\nChannel 0: And then there'll be a pop up to download a signed copy to your record.\n\nChannel 1: Yeah. Perfect. Sorry. It's just\n\nChannel 0: Sensational.\n\nChannel 1: loading. Just taking its time.\n\nChannel 0: Hey. The Wi Fi has held up pretty good in the reception, so that's been good.\n\nChannel 1: Yeah.\n\nChannel 0: And I've\n\nChannel 1: I\n\nChannel 0: just had\n\nChannel 1: know.\n\nChannel 0: it come through spring, so thank you for that.\n\nChannel 1: Done. All done.\n\nChannel 0: Alright, Susan. Do you have any questions for me before I let you go and enjoy the end of your week?\n\nChannel 1: No. No. You've been a great help. Thank you so very much.\n\nChannel 0: Amazing. We'll send the usual feedback text message if\n\nChannel 1: Yep.\n\nChannel 0: you don't mind. And\n\nChannel 1: No.\n\nChannel 0: outside of that, I will talk to you again in a few weeks to go through your plan.\n\nChannel 1: No worries at all. And, yeah, good luck with the birth of your daughter. What an amazing\n\nChannel 0: Thank you. Thank\n\nChannel 1: time.\n\nChannel 0: you so much, Susan. I'll talk to you\n\nChannel 1: No.\n\nChannel 0: soon.\n\nChannel 1: No worries. Thank you. See you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.05730017274618149}],"sentiment":"neutral","sentiment_score":0.05730017274618149,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Good morning, Susan.","start":2.6399999,"end":3.6,"sentiment":"positive","sentiment_score":0.3730466067790985},{"text":"It's Tommy here, senior adviser from.","start":3.6,"end":5.52,"sentiment":"neutral","sentiment_score":0.28711385776599246},{"text":"How are you going today?","start":5.52,"end":6.58,"sentiment":"neutral","sentiment_score":0.32700193524360655}],"sentiment":"neutral","sentiment_score":0.3197737602250917,"channel":0,"num_words":14,"start":2.6399999,"end":6.58},{"sentences":[{"text":"Fantastic.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.7505327463150024},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.5016065935293833}],"sentiment":"positive","sentiment_score":0.5638381317257881,"channel":1,"num_words":4,"start":6.8799996,"end":8.34},{"sentences":[{"text":"I'm living the dream.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.6536142528057098},{"text":"It's beautiful, cold, and wet just the way we like it.","start":9.84,"end":12.88,"sentiment":"positive","sentiment_score":0.5322333330457861},{"text":"What about your end?","start":12.88,"end":14.099999,"sentiment":"neutral","sentiment_score":0.05392540991306305}],"sentiment":"positive","sentiment_score":0.4570908060199336,"channel":0,"num_words":19,"start":8.88,"end":14.099999},{"sentences":[{"text":"Yeah.","start":14.335,"end":14.835,"sentiment":"neutral","sentiment_score":-0.2120177447795868},{"text":"I just got back from a holiday yesterday, so I'm a bit sad.","start":14.895,"end":17.795,"sentiment":"negative","sentiment_score":-0.41254447859067184}],"sentiment":"negative","sentiment_score":-0.39822114046130863,"channel":1,"num_words":14,"start":14.335,"end":17.795},{"sentences":[{"text":"Oh, no.","start":18.975,"end":19.615,"sentiment":"negative","sentiment_score":-0.37517648935317993},{"text":"The old post holiday blues.","start":19.615,"end":21.475,"sentiment":"negative","sentiment_score":-0.3938946485519409}],"sentiment":"negative","sentiment_score":-0.3885466030665806,"channel":0,"num_words":7,"start":18.975,"end":21.475},{"sentences":[{"text":"Absolutely.","start":21.695,"end":22.195,"sentiment":"neutral","sentiment_score":-0.24686279892921448},{"text":"It feels like you haven't been anywhere.","start":22.415,"end":24.035,"sentiment":"negative","sentiment_score":-0.34838021653039114}],"sentiment":"negative","sentiment_score":-0.33569053933024406,"channel":1,"num_words":8,"start":21.695,"end":24.035},{"sentences":[{"text":"I know.","start":25.055,"end":25.615,"sentiment":"neutral","sentiment_score":-0.18420583754777908},{"text":"I know.","start":25.615,"end":25.935,"sentiment":"neutral","sentiment_score":-0.13907555490732193},{"text":"It resets very quickly, doesn't it?","start":25.935,"end":27.955,"sentiment":"neutral","sentiment_score":-0.12241507942477863}],"sentiment":"neutral","sentiment_score":-0.13810532614588739,"channel":0,"num_words":10,"start":25.055,"end":27.955},{"sentences":[{"text":"It sure does.","start":27.730001,"end":28.53,"sentiment":"neutral","sentiment_score":0.005215307076772054},{"text":"Sure does.","start":28.53,"end":29.17,"sentiment":"neutral","sentiment_score":0.022838439792394638},{"text":"But no.","start":29.17,"end":29.650002,"sentiment":"neutral","sentiment_score":-0.07780636101961136},{"text":"Otherwise, yeah, without the same.","start":29.650002,"end":30.93,"sentiment":"neutral","sentiment_score":-0.1472341760993004},{"text":"Cold, wet, miserable.","start":30.93,"end":31.990002,"sentiment":"neutral","sentiment_score":-0.24922736485799155}],"sentiment":"neutral","sentiment_score":-0.10520952641963958,"channel":1,"num_words":15,"start":27.730001,"end":31.990002},{"sentences":[{"text":"But, anyway, all good.","start":32.21,"end":33.43,"sentiment":"neutral","sentiment_score":0.22687040269374847}],"sentiment":"neutral","sentiment_score":0.22687040269374847,"channel":1,"num_words":4,"start":32.21,"end":33.43},{"sentences":[{"text":"Perfect.","start":33.03,"end":33.53,"sentiment":"positive","sentiment_score":0.480818510055542},{"text":"Perfect time to do an annual review for your superannuation.","start":33.670002,"end":36.41,"sentiment":"positive","sentiment_score":0.45992977619171144}],"sentiment":"positive","sentiment_score":0.4618287519975142,"channel":0,"num_words":11,"start":33.03,"end":36.41},{"sentences":[{"text":"Mhmm.","start":35.97,"end":36.47,"sentiment":"neutral","sentiment_score":0.07625783234834671},{"text":"Absolutely.","start":37.33,"end":37.83,"sentiment":"neutral","sentiment_score":0.19196376204490664},{"text":"Absolutely.","start":38.13,"end":38.63,"sentiment":"neutral","sentiment_score":0.188497930765152}],"sentiment":"neutral","sentiment_score":0.15223984171946844,"channel":1,"num_words":3,"start":35.97,"end":38.63},{"sentences":[{"text":"So what I'm gonna do today is I've got a bit of an email pack that I'm just prepping up to send for review.","start":39.67,"end":45.335,"sentiment":"neutral","sentiment_score":0.17256515535215536}],"sentiment":"neutral","sentiment_score":0.17256515535215536,"channel":0,"num_words":24,"start":39.67,"end":45.335},{"sentences":[{"text":"Right.","start":45.704998,"end":46.204998,"sentiment":"neutral","sentiment_score":0.07727976143360138}],"sentiment":"neutral","sentiment_score":0.07727976143360138,"channel":1,"num_words":1,"start":45.704998,"end":46.204998},{"sentences":[{"text":"In the meantime, do you mind if I just quickly check security with you?","start":46.355,"end":49.655,"sentiment":"neutral","sentiment_score":0.04489352820175035}],"sentiment":"neutral","sentiment_score":0.04489352820175035,"channel":0,"num_words":14,"start":46.355,"end":49.655},{"sentences":[{"text":"Of course.","start":49.704998,"end":50.445,"sentiment":"neutral","sentiment_score":0.08552125841379166}],"sentiment":"neutral","sentiment_score":0.08552125841379166,"channel":1,"num_words":2,"start":49.704998,"end":50.445},{"sentences":[{"text":"Perfect.","start":51.074997,"end":51.475,"sentiment":"neutral","sentiment_score":0.14844933152198792},{"text":"Do you remember your Oakview password by any chance?","start":51.475,"end":54.375,"sentiment":"neutral","sentiment_score":0.047756688255402774}],"sentiment":"neutral","sentiment_score":0.05782595258206129,"channel":0,"num_words":10,"start":51.074997,"end":54.375},{"sentences":[{"text":"Not a clue.","start":56.504997,"end":57.324997,"sentiment":"neutral","sentiment_score":-0.04488698889811834},{"text":"Is it just a word?","start":58.620003,"end":59.84,"sentiment":"neutral","sentiment_score":-0.014346953295171262},{"text":"A word and numbers, you can't tell, can","start":60.780003,"end":62.54,"sentiment":"neutral","sentiment_score":-0.01984681561589241}],"sentiment":"neutral","sentiment_score":-0.022823141131084412,"channel":1,"num_words":16,"start":56.504997,"end":62.54},{"sentences":[{"text":"For","start":62.449997,"end":62.69,"sentiment":"neutral","sentiment_score":-0.014678658917546272}],"sentiment":"neutral","sentiment_score":-0.014678658917546272,"channel":0,"num_words":1,"start":62.449997,"end":62.69},{"sentences":[{"text":"you?","start":62.54,"end":63.04,"sentiment":"neutral","sentiment_score":-0.014304964803159235}],"sentiment":"neutral","sentiment_score":-0.014304964803159235,"channel":1,"num_words":1,"start":62.54,"end":63.04},{"sentences":[{"text":"some reason, we don't have a prompt on there.","start":62.69,"end":64.61,"sentiment":"neutral","sentiment_score":-0.06017228215932846},{"text":"So what I'll do is I'll just check date of birth and address, and then I'll add the 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sure.","start":69.98,"end":70.695,"sentiment":"neutral","sentiment_score":0.014544099103659391}],"sentiment":"neutral","sentiment_score":0.014544099103659391,"channel":1,"num_words":2,"start":69.98,"end":70.695},{"sentences":[{"text":"on","start":71.935,"end":72.435,"sentiment":"neutral","sentiment_score":0.006512783467769623}],"sentiment":"neutral","sentiment_score":0.006512783467769623,"channel":0,"num_words":1,"start":71.935,"end":72.435},{"sentences":[{"text":"Yeah.","start":72.455,"end":72.695,"sentiment":"neutral","sentiment_score":0.008777640759944916}],"sentiment":"neutral","sentiment_score":0.008777640759944916,"channel":1,"num_words":1,"start":72.455,"end":72.695},{"sentences":[{"text":"there.","start":72.534996,"end":73.034996,"sentiment":"neutral","sentiment_score":0.0031525520607829094}],"sentiment":"neutral","sentiment_score":0.0031525520607829094,"channel":0,"num_words":1,"start":72.534996,"end":73.034996},{"sentences":[{"text":"No.","start":72.695,"end":72.854996,"sentiment":"neutral","sentiment_score":-0.004140052944421768},{"text":"That's","start":72.854996,"end":73.175,"sentiment":"neutral","sentiment_score":-0.00373092177323997}],"sentiment":"neutral","sentiment_score":-0.003935487358830869,"channel":1,"num_words":2,"start":72.695,"end":73.175},{"sentences":[{"text":"Because","start":73.134995,"end":73.634995,"sentiment":"neutral","sentiment_score":-0.002026837319135666}],"sentiment":"neutral","sentiment_score":-0.002026837319135666,"channel":0,"num_words":1,"start":73.134995,"end":73.634995},{"sentences":[{"text":"it.","start":73.175,"end":73.335,"sentiment":"neutral","sentiment_score":-0.0006133504211902618},{"text":"No 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the","start":74.455,"end":75.015,"sentiment":"neutral","sentiment_score":0.009414562955498695}],"sentiment":"neutral","sentiment_score":0.009414562955498695,"channel":1,"num_words":4,"start":74.455,"end":75.015},{"sentences":[{"text":"have","start":74.935,"end":75.435,"sentiment":"neutral","sentiment_score":0.007955669425427914}],"sentiment":"neutral","sentiment_score":0.007955669425427914,"channel":0,"num_words":1,"start":74.935,"end":75.435},{"sentences":[{"text":"05/25/1974.","start":75.015,"end":76.715,"sentiment":"neutral","sentiment_score":0.012210466898977757}],"sentiment":"neutral","sentiment_score":0.012210466898977757,"channel":1,"num_words":1,"start":75.015,"end":76.715},{"sentences":[{"text":"k.","start":79.895004,"end":80.375,"sentiment":"neutral","sentiment_score":0.0075791943818330765},{"text":"And 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tax file number, you guys would have that, though, wouldn't you?","start":1528.44,"end":1532.14,"sentiment":"neutral","sentiment_score":0.058151744306087494}],"sentiment":"neutral","sentiment_score":0.058151744306087494,"channel":1,"num_words":15,"start":1528.44,"end":1532.14},{"sentences":[{"text":"Yeah.","start":1533.065,"end":1533.385,"sentiment":"neutral","sentiment_score":0.05185849964618683},{"text":"So what","start":1533.385,"end":1533.865,"sentiment":"neutral","sentiment_score":0.07235795445740223}],"sentiment":"neutral","sentiment_score":0.06552480285366376,"channel":0,"num_words":3,"start":1533.065,"end":1533.865},{"sentences":[{"text":"Perfect.","start":1533.64,"end":1534.14,"sentiment":"neutral","sentiment_score":0.17187973856925964}],"sentiment":"neutral","sentiment_score":0.17187973856925964,"channel":1,"num_words":1,"start":1533.64,"end":1534.14},{"sentences":[{"text":"we've got for these forms 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later.","start":1604.408,"end":1605.2329,"sentiment":"positive","sentiment_score":0.3652767539024353},{"text":"Bye.","start":1605.2928,"end":1605.7928,"sentiment":"neutral","sentiment_score":0.16655975580215454}],"sentiment":"neutral","sentiment_score":0.2839799327775836,"channel":1,"num_words":8,"start":1603.6129,"end":1605.7928},{"sentences":[{"text":"Bye.","start":1606.173,"end":1606.673,"sentiment":"neutral","sentiment_score":-0.12164761126041412}],"sentiment":"neutral","sentiment_score":-0.12164761126041412,"channel":0,"num_words":1,"start":1606.173,"end":1606.673}]},"summary":{"result":"success","short":"During a conversation between a senior adviser from a company called Senior Care and a customer, they discuss updating the customer's insurance policy and financial goals. They also discuss updating the customer's retirement plans and savings, including extra repayments and surplus cash flow. The agent provides information on the process and mentions a retirement goal. They also discuss the customer's income and retirement plans, including a life insurance policy and retirement plan. The agent recommends a growth portfolio for the customer and emphasizes reducing risk levels in a high growth setting. They briefly discuss the recent market drop and offer a service agreement and feedback text messages. The conversation ends with the speaker thanking the caller and wishing them a good weekend."},"intents":{"segments":[{"text":"Perfect time to do an annual review for your superannuation.","start_word":97,"end_word":106,"intents":[{"intent":"Set up review","confidence_score":0.004133121}]},{"text":"Now I'm just gonna check a couple of things as well before I send this through to you. Do you have access to your BigPond email to look onto the documents with me today? Yes. Perfect.","start_word":320,"end_word":355,"intents":[{"intent":"Check documents","confidence_score":0.19511627},{"intent":"Send document through","confidence_score":0.014614861},{"intent":"Check outlook","confidence_score":0.00034756472},{"intent":"Check status","confidence_score":0.062108915}]},{"text":"Do you have access to your BigPond email to look onto the documents with me today?","start_word":337,"end_word":352,"intents":[{"intent":"Access bigpond email","confidence_score":0.102240145}]},{"text":"So when I get those through, we'll update a few details. I'll go through your superannuation with you, and then we'll go through a couple of the attachments together. 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Like, the extra is not sitting in an offset. I still want that working in any extra fee of some benefit to us, if that makes sense. Yeah.","start_word":1460,"end_word":1517,"intents":[{"intent":"Discuss and confirm benefits of extra repayments","confidence_score":0.00063264277}]},{"text":"Is there anything else that you put into in terms of surplus cash flow and the savings where you like every pay, a $102,100 goes off to here, or is it all just kind of bills and into the offset? No.","start_word":1637,"end_word":1677,"intents":[{"intent":"Asking about expenses for insurance","confidence_score":1.5415232e-7},{"intent":"Explaining benefits of insurance","confidence_score":0.0019431885}]},{"text":"No. It probably goes all into offsets. So I yeah. So my my wage goes straight into pay mortgages and and, yeah, it sits in and then it draws off that offset into everything else. Greg's, he puts extra also into the offset to for the difference for the investment line, and Yep. then he just sticks other money wherever it needs to go or whatever. Yeah.","start_word":1676,"end_word":1742,"intents":[{"intent":"Asserting cost discrepancy","confidence_score":0.000003746757}]},{"text":"Greg's, he puts extra also into the offset to for the difference for the investment line, and Yep. then he just sticks other money wherever it needs to go or whatever. Yeah.","start_word":1711,"end_word":1742,"intents":[{"intent":"Offering alternative coverage options","confidence_score":0.00020337664}]},{"text":"So it's gone up to $3.06. And then after the premium rebate, it goes down to 3,000 flat just about.","start_word":1963,"end_word":1982,"intents":[{"intent":"Explaining comparison of premiums","confidence_score":0.000027149857}]},{"text":"if you go down, you've got the life, the TPD, the income protection. Yep. Now one thing that I've got to be very careful on is we can look at, like, increasing the cover a little bit. But once you hit that sort of mid fifties and start approaching 60, that jumps up very quickly. So Okay.","start_word":1994,"end_word":2050,"intents":[{"intent":"Resolve coverage issue","confidence_score":0.00069442205}]},{"text":"Outside of that, would you like me to look around to see if there's any other insurer that we should consider that may be offering a better deal?","start_word":2346,"end_word":2373,"intents":[{"intent":"Offer better deal","confidence_score":0.044181723}]},{"text":"Can I actually ask, though, when it says life cover buyback option, what does that mean? Mhmm.","start_word":2408,"end_word":2424,"intents":[{"intent":"Ask about life insurance coverage","confidence_score":0.24772772},{"intent":"Inquire about coverage amount","confidence_score":0.00070207875}]},{"text":"the income protection cover, just so I get my head around it again, 163. My option.","start_word":2548,"end_word":2563,"intents":[{"intent":"Discuss income coverage","confidence_score":0.0004686413}]},{"text":"So technically speaking, because the cover's maximum is 70% of your income, it was covering an income of 76,000 Yep. and 70% of that. Yep.","start_word":2655,"end_word":2679,"intents":[{"intent":"Confirm coverage maximum and maximum","confidence_score":0.0000010296362}]},{"text":"Again, that then looks like it's underinsured compared to what we could be covered for with your income. Yep.","start_word":2681,"end_word":2699,"intents":[{"intent":"Comparing income","confidence_score":0.000056183555}]},{"text":"So I can definitely have a look at an increase there as well. Yeah.","start_word":2712,"end_word":2725,"intents":[{"intent":"Discussing price increase","confidence_score":0.050662905}]},{"text":"And then I'm gonna be very careful in terms of projections because if I've increased both of them, it's gonna Yep. slow down the growth of the server a little bit. Absolutely.","start_word":2733,"end_word":2764,"intents":[{"intent":"Expressing concern about server growth","confidence_score":0.016114945}]},{"text":"Do you have any capacity to put in a little extra salary sacrifice wise to help cover some of the premiums? I probably do.","start_word":2819,"end_word":2842,"intents":[{"intent":"Discussing salary sacrifice","confidence_score":0.2538185}]},{"text":"It's kinda like forced savings, and it tends to work well for a lot of Yeah.","start_word":2987,"end_word":3002,"intents":[{"intent":"Discussing potential savings","confidence_score":0.002304679}]},{"text":"I'm pretty sure we do, and but I'm going to check, and I probably will update my will actually because now my kids are all older. There's a lot of stuff in there that can get these taken back out. But, yeah, Yep.","start_word":3092,"end_word":3134,"intents":[{"intent":"Update will","confidence_score":0.48534945}]},{"text":"So any questions so far on the insurance No. or what state planning?","start_word":3153,"end_word":3165,"intents":[{"intent":"Discuss insurance","confidence_score":0.066960245},{"intent":"Provide information","confidence_score":0.0027508244}]},{"text":"Now I'm extremely impressed with how your service handled the recent market drop that Yeah. happened in March from what happened overseas in the oil Yeah. crisis. Yep. Your extra contributions did this really amazing thing where as the market dropped, they kept coming in a lot higher and bought into the market for whatever back up. Yeah.","start_word":3218,"end_word":3275,"intents":[{"intent":"Discuss market decline","confidence_score":0.00074603525}]},{"text":"So I do have one question for you. There's no wrong answers here. And, of course, I'll make a recommendation, but we can choose between any style of investment, and Hub has the most investment options in the country. Right.","start_word":3586,"end_word":3625,"intents":[{"intent":"Evaluate investment options","confidence_score":0.34260106}]},{"text":"So I have to, again, balance two things, which is if we're gonna retire in November, but then again, you wanna catch the super up, usually a growth profile, which you're in a growth, which is four Yep. out of five. Yep.","start_word":3736,"end_word":3777,"intents":[{"intent":"Review retirement plans","confidence_score":0.0020202158}]},{"text":"So basically, what I'm saying, Susan, is I'll get you booked in as soon as I get.","start_word":4059,"end_word":4075,"intents":[{"intent":"Book in","confidence_score":0.004032304}]},{"text":"Any questions on the direction so far?","start_word":4097,"end_word":4103,"intents":[{"intent":"Answer questions on direction","confidence_score":0.00034764156}]},{"text":"The last thing is we included your updated service agreement there. Yep. We've got there's no change in the fees, 1.65% that gets spread across monthly payments. And, again, no lock in for the twelve months, but it's just a consent so that we can still interact with the Superfund on your Yep. behalf. Yep.","start_word":4128,"end_word":4182,"intents":[{"intent":"Include service agreement","confidence_score":0.665507}]},{"text":"Susan, have you ever used our new Odoo sign? Have you ever seen these emails with the purple buttons before? Probably. Cool.","start_word":4198,"end_word":4219,"intents":[{"intent":"Check email","confidence_score":0.0012405548}]},{"text":"we've got for these forms is Yep. a consent to hold the tax phone number. Yep. Done.","start_word":4296,"end_word":4312,"intents":[{"intent":"Provide consent for signing","confidence_score":0.03155331}]},{"text":"Validate. And then there'll be a pop up to download a signed copy to your record. Yeah.","start_word":4316,"end_word":4332,"intents":[{"intent":"Validate sign","confidence_score":0.036574062}]},{"text":"And then there'll be a pop up to download a signed copy to your record. Yeah.","start_word":4317,"end_word":4332,"intents":[{"intent":"Download signed copy","confidence_score":0.52234507}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05730017274618149},{"text":"Good morning, Susan.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3693590760231018},{"text":"It's Tommy here, senior adviser from. How are you going today?","start_word":4,"end_word":14,"sentiment":"neutral","sentiment_score":0.309196412563324},{"text":"Fantastic. How are you? I'm living the dream. It's beautiful, cold, and wet just the way we like it.","start_word":15,"end_word":33,"sentiment":"positive","sentiment_score":0.57856285572052},{"text":"What about your end? Yeah.","start_word":34,"end_word":38,"sentiment":"neutral","sentiment_score":-0.01815657690167427},{"text":"I just got back from a holiday yesterday, so I'm a bit sad. Oh, no. The old post holiday blues.","start_word":39,"end_word":58,"sentiment":"negative","sentiment_score":-0.41242778301239014},{"text":"Absolutely.","start_word":59,"end_word":59,"sentiment":"neutral","sentiment_score":-0.24686279892921448},{"text":"It feels like you haven't been anywhere.","start_word":60,"end_word":66,"sentiment":"negative","sentiment_score":-0.34371012449264526},{"text":"I know. I know. It resets very quickly, doesn't it? It sure does. Sure does. But no. Otherwise, yeah, without the same. Cold, wet, miserable. But, anyway, all good.","start_word":67,"end_word":95,"sentiment":"neutral","sentiment_score":-0.07571529597043991},{"text":"Perfect. Perfect time to do an annual review for your superannuation.","start_word":96,"end_word":106,"sentiment":"positive","sentiment_score":0.4399009943008423},{"text":"Mhmm. Absolutely. Absolutely. So what I'm gonna do today is I've got a bit of an email pack that I'm just prepping up to send for review. Right. In the meantime, do you mind if I just quickly check security with you? Of course. Perfect. Do you remember your Oakview password by any chance? Not a clue. Is it just a word? A word and numbers, you can't tell, can For you? some reason, we don't have a prompt on there. So what I'll do is I'll just check date of birth and address, and then I'll add the prompt Oh, sure. on Yeah. there. No. That's Because it. No worries. once So date you of birth is have the 05/25/1974. k. And address? It's 300 Diamond Swamp Road, Meadow Flat 2795. Perfect. Alright. So the the password is actually 300Diamond. Diamond. Yep. Which is Yep. the address. So so do you want I me I to leave could it as 300 Diamond or yeah. just Yeah. Diamond? That's And I can put a prompt in. no. No. 300Diamond is fine. Just say that Yeah. the prompt can just be the usual password The because then I know usual exact platform. password. Yeah. For most stuff, not Perfect. for everything. But yeah. Now I'm just gonna check a couple of things as well before I send this through to you. Do you have access to your BigPond email to look onto the documents with me today?","start_word":107,"end_word":352,"sentiment":"neutral","sentiment_score":0.034965799106815},{"text":"Yes. Perfect. So when I get those through, we'll update a few details.","start_word":353,"end_word":365,"sentiment":"positive","sentiment_score":0.39281588792800903},{"text":"I'll go through your superannuation with you, and then we'll go through a couple of the attachments together. Yeah. No worries. I'll just grab my glasses so I can read it. That is Okay. Here no it is. worries at all. Yep. Okay. Alright. So I'm just gonna pop your email address in here. Oh, actually, I'm just gonna move into a different room, which is I mean, my Wi Fi, but I'll just if the connection doesn't work, I'll call you back. No. That's no worries at all. And you've got our 1300 number just to call through to the main line, and we'll pick it up from there? You still there? Oh, Yeah. I've still got you. It went choppy for oh, sweet. a half a second, but I've got you. I I went nude. No. It's always away. You find that one corner of the house. Yes. Yes. Alright. So I'm gonna get this through to you in a moment. And, Susan, just while you're getting set up on the computer there, is there anything in particular you're hoping to get out of this year's review? No. No. Just to go through that sort of stuff and probably look at upping one of the insurances maybe if it does to the yeah. Just checking that, actually. It's about it. Yep.","start_word":366,"end_word":588,"sentiment":"neutral","sentiment_score":0.024184057489037514},{"text":"Perfect.","start_word":589,"end_word":589,"sentiment":"positive","sentiment_score":0.34266793727874756},{"text":"Alright. So what I'll do is I'll get this accent through to you. It's usually pretty instant. Once it comes through, it's the first time with our new system, it may go to your spam box. Just keep an eye out there as well. Okay. And that should be coming through in about twenty seconds. No And worries. other than that, has everything been going okay for you Yeah. Yeah. Yeah. financially? Yeah. Yeah. Nothing another good pay rise will be fixed, but, no, everything's okay.","start_word":590,"end_word":675,"sentiment":"neutral","sentiment_score":0.14153414964675903},{"text":"Certainly a lot better Yeah.","start_word":676,"end_word":680,"sentiment":"positive","sentiment_score":0.5037633180618286},{"text":"than most.","start_word":681,"end_word":682,"sentiment":"neutral","sentiment_score":0.239568829536438},{"text":"So This day and age, that would be very welcome, wouldn't it?","start_word":683,"end_word":694,"sentiment":"positive","sentiment_score":0.3872931301593781},{"text":"yeah. Look. But a lot of people are doing it tough out there. That's for sure. Yeah.","start_word":695,"end_word":711,"sentiment":"neutral","sentiment_score":-0.15494108200073242},{"text":"Absolutely.","start_word":712,"end_word":712,"sentiment":"positive","sentiment_score":0.3770595192909241},{"text":"And I talk to them every day. There's there's it's pretty much across the board at this point, so it wouldn't surprise me. Yeah. Yep. Okay. Now has that popped through already? Yes. It's a request. Hang on. My content Yep. Requested a signature on a document. Yep. So don't hit any sign buttons now. That's Okay. just for, like, service agreement, but at the bottom Cool. is all of Yep. the annual review pack attachments. So Yep. what I've sent through is physical performance, your insurance certificates, financial services guide update, Yep. and a couple little visual documents there as well.","start_word":713,"end_word":814,"sentiment":"neutral","sentiment_score":0.12872830033302307},{"text":"Now Perfect.","start_word":815,"end_word":816,"sentiment":"positive","sentiment_score":0.4019187390804291},{"text":"goals wise, we had you wanting to retire a little bit earlier if possible, Yeah. not waiting till 67, probably 63 if possible, Yeah. and about a thousand dollars a week. And the main focus was basically just pay on the mortgage, maybe get an investment property, and then just have that nice stable base. Does that sound Yep. about right? Yeah. So Sensational. I probably Anything else? no. No. That's look. If it's I mean, it's I know that all those things are not particularly achievable necessarily, but it's it's a goal. But we actually did we did purchase an investment property, oh, just about a month or two ago. Congratulations. I'm gonna say that no. Well, no. I'm saying that loosely. We purchased it just like a lot of people, I suppose, just to be one of our daughters a bit of housing security. Okay. So And yeah. So do they it's kind it's of rent it out on your yes. behalf Yeah. kind of thing? Yeah. Yeah. So we'd yeah. She just pays rent. And, yeah, it's probably, to be perfectly honest, not set up to maximize everything, but Yeah. it it, you you know, it it it's, you know, eventually I mean, and it's a unit, so I know there's probably not a lot of capital growth there or whatever. But, anyway, Yeah. it is what it is, and it's where we're at. So and I think there's I think someone else has bought a unit in the same, and she she's got it as an investment property. We're probably our daughter pays probably it'd be submarket for the rent. But by the time you take in all the fees and stuff for real estate, we're not too far behind the ball. Yeah. Cool. So it's getting close to breaking even there, so not too No. bad No. on the cash No. flow. Not no. Not at all, actually. No. I actually wouldn't know anything in Sydney that you get close to breaking even, to Yeah. be perfectly I hit honest. that But a lot that's at okay. the moment. It is what it is. And, I mean, I'm sure if I put that money into my soup, it would actually have the growth would be better than what this would be. That's okay. It's okay. Yeah. I Can know I where just I'm quickly at, and I check and the I understand it. in terms of, like, property value and debt owing on that property, Yeah. could Yep. you just give me a bit of a a rough estimate on those? So we financed the whole lot, and Six the property was $6.70. Yep. 70,000, and you've got that full amount on there essentially, and that's Essentially. been leveraged Yeah. Yeah. off your home. Correct. Correct. Okay. So the home was previously 480,000 mowing. Do you know what the total combined would be? Would it be around that 1.15? Yeah. It would be. Yep. I suppose. Yep. Yes. Alright. Yep. Yep. Yep. Yep. Yep. Yep.","start_word":817,"end_word":1326,"sentiment":"neutral","sentiment_score":0.03868553099752057},{"text":"Perfect.","start_word":1327,"end_word":1327,"sentiment":"positive","sentiment_score":0.3994327187538147},{"text":"The only other assets we had listed was just a motor vehicle, and I'm just wondering if you have any have you managed to build up any like, emergency fund savings? Any Yeah. We've cash or we've, anything like that? yeah, we've actually got which is the process. Just in because we refinanced our home loan just yet a bit of interest rate as well recently, And we've never had a a previous home loan didn't have any offset accounts. So we have lots of offsets now. So we've probably got about 30,000 in savings.","start_word":1328,"end_word":1422,"sentiment":"neutral","sentiment_score":0.05083947256207466},{"text":"Perfect.","start_word":1423,"end_word":1423,"sentiment":"positive","sentiment_score":0.4882224202156067},{"text":"All just split between the different offset accounts. But, yeah, we thought that mails will work for us, and it sits there and but we're when we refinanced, I kept the how do I say this? I really hope to have the home loan paid off in ten years. So I've kept the repayments Yep. the same into that loan. Do you know what I mean? Like, the extra is not sitting in an offset. I still want that working in any extra fee of some benefit to us, if that makes sense. Yeah. Absolutely Yep. does. Yep. Yep. Yep. Alright. And the last thing I wanted to check with you, I'm assuming there's been no change, obviously, in address, email, phone, No. and No. still still married with Greg with no new dependents. Nope. And just in terms of occupation, so we had you teaching at a correctional center Yep. earning about Still 70 in? thousand. Oh, no. No. Okay.","start_word":1424,"end_word":1584,"sentiment":"neutral","sentiment_score":0.0707765594124794},{"text":"Oh, that's much nicer. I'm earning about a 110 now. Fantastic.","start_word":1585,"end_word":1595,"sentiment":"positive","sentiment_score":0.45258596539497375},{"text":"Love Oh, to it's hear about a 108. Yeah. it. Alright. Yep. I'll go I'll go specific. I'll go a 108.","start_word":1596,"end_word":1616,"sentiment":"neutral","sentiment_score":0.09289077669382095},{"text":"Alrighty. That's pretty good.","start_word":1617,"end_word":1620,"sentiment":"positive","sentiment_score":0.5427151918411255},{"text":"And do you put anything like, obviously, you've got the extra repayments into the mortgage. Is there anything else that you put into in terms of surplus cash flow and the savings where you like every pay, a $102,100 goes off to here, or is it all just kind of bills and into the offset? No. It probably goes all into offsets. So I yeah. So my my wage goes straight into pay mortgages and and, yeah, it sits in and then it draws off that offset into everything else. Greg's, he puts extra also into the offset to for the difference for the investment line, and Yep. then he just sticks other money wherever it needs to go or whatever. Yeah. There's Okay. cash. Yeah. It does that affect. Yeah. Yep.","start_word":1621,"end_word":1752,"sentiment":"neutral","sentiment_score":0.026672697033394463},{"text":"Perfect.","start_word":1753,"end_word":1753,"sentiment":"positive","sentiment_score":0.497942715883255},{"text":"Okay. So if you can go on to the insurance certificates with me just to start with, we have two there at the bottom of that email. Yep. So the income So which one out of pocket or the life? Which one do you wanna look at? either one's fine. I've got both of them up in front of me. I just wanted to show you kind of what you've got and what we may need to adjust. Sure. Yeah. Okay. So I've got the out of pocket one, I think it is. Yes. Yep. Yep. So that should be about $42 a month, and that's Yep. your they call it critical illness or trauma cover, Okay. and Yes. that's your, like, heart attack, stroke, cancer, that kind of thing. Yes. Yes. K? Now that cover amount in premium obviously changes every year, and Yep. you've got an anniversary that's just gone by on the May 8. So just double checking that that premium hasn't jumped up too much to become unaffordable for you. No. No. That's fine.","start_word":1754,"end_word":1931,"sentiment":"neutral","sentiment_score":0.0027661363128572702},{"text":"Perfect.","start_word":1932,"end_word":1932,"sentiment":"positive","sentiment_score":0.4595833718776703},{"text":"And then if you can open up the other certificate on just having a look at the life and disability insurance to start with. So that is yep. Yep. K. So it's gone up to $3.06. And then after the premium rebate, it goes down to 3,000 flat just about. Yep. That comes out of the super. And then Yep. if you go down, you've got the life, the TPD, the income protection. Yep. Now one thing that I've got to be very careful on is we can look at, like, increasing the cover a little bit. But once you hit that sort of mid fifties and start approaching 60, that jumps up very quickly. So Okay. I need to have a bit of a balancing act with you over the next five to ten years. Sure. So at the moment, 621,800 for the life insurance, a Yep. little bit less for the TBD because what we've done here is it's linked the TBD and the trauma to your life insurance to make it more affordable. Okay. So they kind of share that same pool of funds, and Yep. then there's, you know, buyback options and so on so you can claim on both for all three. K? Right. So in terms of the previous mortgage, like, the the mortgage that you've Yep. got for your home, it's gonna cover that portion, but not the investment portion there as Correct. well. Are Yep. you thinking of just kind of bumping it up to, like, a million flats or cover the whole debt? What are you kind of thinking? Yeah. She said it's prob yeah. Prob I mean, I don't care if it's all not covered, but a really good chunk of the other property would be lovely. You know? If something happens Okay. to me, Greg's got a good income, that that won't be a problem, but I just don't ever want to be an Yeah. issue. So what I might do is I'll do a bit of a quote for Yep. one mill, bump it up. I'm kind of thinking just based on proportions, it's probably gonna be about $750 extra coming out of the super for that Okay. is what I can kind of guesstimate. And then because your income's gone up, your contributions have gone up, so I'll just make sure that the premiums aren't too high compared to your contributions in growth. Sure. Sure.","start_word":1933,"end_word":2340,"sentiment":"neutral","sentiment_score":0.04612953665063662},{"text":"Perfect. Thank you.","start_word":2341,"end_word":2343,"sentiment":"positive","sentiment_score":0.6157390475273132},{"text":"No worries. Outside of that, would you like me to look around to see if there's any other insurer that we should consider that may be offering a better deal? Because I'll do an operation quote with Compass, but do you want me to kind of shop around as well? Sure. I mean, I suppose yeah. Just yeah. Yeah. I guess it wouldn't hurt. Can I actually ask, though, when it says life cover buyback option, what does that mean? Mhmm. So when I was mentioning before that your TPD, which is your total disability, and Yep. your trauma are linked to your life insurance. Yep. So what happens is, let's say, you have a heart attack Yep. and your trauma insurance pays out that $60,000 to you, Yep. it'll then reduce your life insurance by $60,000. Right. And then Right. the buyback, after a period of time, will fill it back up again. Got you. Yep. Cool. Yep. No worries.","start_word":2344,"end_word":2504,"sentiment":"neutral","sentiment_score":0.039669062942266464},{"text":"Perfect.","start_word":2505,"end_word":2505,"sentiment":"positive","sentiment_score":0.4746160507202149},{"text":"Same thing with CBD, permanent disability, Yep. pulls it down, fills it up, and then as long as there's a gap in between in time frame for the fill up to occur, then you can claim on both. Yep. Yep.","start_word":2506,"end_word":2545,"sentiment":"neutral","sentiment_score":0.18092036247253415},{"text":"With Perfect.","start_word":2546,"end_word":2547,"sentiment":"positive","sentiment_score":0.3488064706325531},{"text":"the income protection cover, just so I get my head around it again, 163. My option. What do I have? Blah blah blah blah blah. So the $4.04 $5.03 is so I'm just quickly looking. So after Yep. So ninety days, I can claim the $4.04 $5.03. Yeah. Per month. So if you're out of work for ninety days due to illness or injury, it'll Yep. kick in monthly amount of that, and that's gross. That's before tax. So think of Five. it as just under $1,000 a week net of tax, Yep. and Right. that goes up to three years maximum per injury or illness. Right. So technically speaking, because the cover's maximum is 70% of your income, it was covering an income of 76,000 Yep. and 70% of that. Yep. Again, that then looks like it's underinsured compared to what we could be covered for with your income. Yep. Yeah. But, again, pricing as well is a is a consideration there. Sure. So I can definitely have a look at an increase there as well. Yeah. Yeah.","start_word":2548,"end_word":2726,"sentiment":"neutral","sentiment_score":-0.004259932203499298},{"text":"That would be lovely. Thank you.","start_word":2727,"end_word":2732,"sentiment":"positive","sentiment_score":0.6932733058929443},{"text":"And then I'm gonna be very careful in terms of projections because if I've increased both of them, it's gonna Yep. slow down the growth of the server a little bit. Absolutely. Absolutely. No worries. Perfect. Now I had So been yeah. I had yep. been putting a little bit extra into the super, but I stopped that when we bought the investment property because it's just gonna go over there. It's probably Yeah. a better Yep. way to do it, but yeah. I don't know. Do you have any capacity to put in a little extra salary sacrifice wise to help cover some of the premiums? I probably do. Yeah. K. Because I'm kind of thinking, like, as a bit of a rule of thumb, based on your new tax bracket, if you Yep. put in, say, $50 a week just as an example, that Yep. probably cost you about 35 in your take home pay. Yep. And you never miss K? that. So if that seems like a reasonable map, I can kind of add that into the projections and kinda show you the difference that that would make.","start_word":2733,"end_word":2923,"sentiment":"neutral","sentiment_score":0.015177861787378788},{"text":"Yes. I I I'd be more than happy to do that.","start_word":2924,"end_word":2934,"sentiment":"positive","sentiment_score":0.53770911693573},{"text":"Yes. Because it's I'm always of the belief you actually what you get you manage on. Do you know what I mean? So if Yeah. you take a little bit before it hits anything, you still seem to manage. No. I'd I'd be very happy to do something like that. Yes.","start_word":2935,"end_word":2985,"sentiment":"neutral","sentiment_score":0.08025568723678589},{"text":"Perfect.","start_word":2986,"end_word":2986,"sentiment":"positive","sentiment_score":0.3405642509460449},{"text":"It's kinda like forced savings, and it tends to work well for a lot of Yeah. Well, that's it. What you don't know, you don't spend. people. Yep. That's exactly right. If Perfect. I go down just briefly to your estate planning, we have we did have a note, and I'm just double checking with the new system that you did have a will in place. Yeah. I do. K. Now do you remember putting in place a power of attorney where if you're in the hospital, someone can act on your behalf Yep. to talk to I'm the doctors, all that kind of thing? I'm pretty sure we do, and but I'm going to check, and I probably will update my will actually because now my kids are all older. There's a lot of stuff in there that can get these taken back out. But, yeah, Yep. I'm pretty sure I had a power of attorney. Yes. But I will double check that.","start_word":2987,"end_word":3150,"sentiment":"neutral","sentiment_score":0.04297045930629459},{"text":"Perfect.","start_word":3151,"end_word":3151,"sentiment":"positive","sentiment_score":0.48622792959213257},{"text":"Alrighty. So any questions so far on the insurance No. or what state planning? Nope. Nope. Alright. And you're still happy, I'm assuming, for grade three listed as your beneficiary for the super and the life insurance? Absolutely. Yes.","start_word":3152,"end_word":3190,"sentiment":"neutral","sentiment_score":0.17165416479110718},{"text":"Perfect.","start_word":3191,"end_word":3191,"sentiment":"positive","sentiment_score":0.44436848163604736},{"text":"Alrighty. Now do you have the sub 24 performance report handy in that email too? Adding for performance Version. Oh, yep. Yep. Yep.","start_word":3192,"end_word":3214,"sentiment":"neutral","sentiment_score":0.09890084713697432},{"text":"Perfect.","start_word":3215,"end_word":3215,"sentiment":"positive","sentiment_score":0.41049283742904663},{"text":"Got it. Now I'm extremely impressed with how your service handled the recent market drop that Yeah. happened in March from what happened overseas in the oil Yeah. crisis. Yep. Your extra contributions did this really amazing thing where as the market dropped, they kept coming in a lot higher and bought into the market for whatever back up. Yeah. Cool. So what's essentially happened was twelve months ago, you were at 77,000. Now you're just Yep. shy of 96,000. So it's Yep.","start_word":3216,"end_word":3298,"sentiment":"neutral","sentiment_score":0.14738018810749054},{"text":"kind of going up nicely quickly.","start_word":3299,"end_word":3304,"sentiment":"positive","sentiment_score":0.4204041361808777},{"text":"Yep. And then in the recent situation, you had it drop all the way down to let me just quickly check this one date. That went to 90,000, and then it Yep. bounced immediately back up to that $95.07 $9.05 within a few weeks. Right.","start_word":3305,"end_word":3349,"sentiment":"neutral","sentiment_score":0.07330179959535599},{"text":"Perfect.","start_word":3350,"end_word":3350,"sentiment":"positive","sentiment_score":0.49594396352767944},{"text":"Now how you kind Yep. of read these performance reports is all of your investment options are listed here, and the right hand side has the percentage returns if that rings a bell. Right. Yep. Got you. Yep. K?","start_word":3351,"end_word":3389,"sentiment":"neutral","sentiment_score":0.10609915317633212},{"text":"So all of them are pretty well positive in the double digits. You can see a lot of twenties along there Yep.","start_word":3390,"end_word":3411,"sentiment":"positive","sentiment_score":0.4572208523750305},{"text":"where Yep.","start_word":3412,"end_word":3413,"sentiment":"neutral","sentiment_score":0.17700526118278503},{"text":"the infrastructure, the agriculture, the gold, the American shares, everything's up really high.","start_word":3414,"end_word":3426,"sentiment":"positive","sentiment_score":0.3692745566368103},{"text":"The only two that aren't up high is that bank hybrid in the middle, Yep. Yep. which is about that 4%. That's your defensive asset in terms of policy. Right. So that's supposed to do about 4%. The one at the top is the only one that currently concerns me, which is the Australian shares portion, which has actually dropped 21.7%. Right. Yep. Yep. So if you go to the next page, it'll have your whole portfolio across the one line. Yep. Yep. And basically, just shy of a 9% return after fees, which is basically exactly what you want for a growth portfolio as a long term average. Yep. Perfect. What I would like to do is I just I really need to replace that one option because Okay. that drop is a little bit higher than all the other Australian shares options, and it it's kind of fallen out of the pack, that one option. Okay. Sure. So I do have one question for you. There's no wrong answers here. And, of course, I'll make a recommendation, but we can choose between any style of investment, and Hub has the most investment options in the country. Right. So just to kind of shortlist that a little bit, do you have a preference between low fee investments or paying a bit higher fee to try and get a higher return?","start_word":3427,"end_word":3657,"sentiment":"neutral","sentiment_score":-0.011230901814997196},{"text":"I'm high I'm happy with higher fee, higher returns. Cool. So that's the current style where we're blending both of those, and Yep. I can basically just compare an alternative that is doing better in that space for you.","start_word":3658,"end_word":3696,"sentiment":"positive","sentiment_score":0.3773685693740845},{"text":"Sure.","start_word":3697,"end_word":3697,"sentiment":"neutral","sentiment_score":0.3049868941307068},{"text":"Perfect.","start_word":3698,"end_word":3698,"sentiment":"positive","sentiment_score":0.4629557728767395},{"text":"The last question I had regarding the super was just in terms of risk level. Okay. My Now super your is I don't have a lot of super. I'm happy to be quite risky about it. yeah. So I have to, again, balance two things, which is if we're gonna retire in November, but then again, you wanna catch the super up, usually a growth profile, which you're in a growth, which is four Yep. out of five. Yep. That's recommended for eight to nine years, Yep. and high growth is recommended for, say, nine to ten years or above. Right. So you do just have enough time to do a period of growth within a high growth setting and continuously buy into the market. Once you've gotten Yep. about six or seven years of good growth, we then Yep. start to reduce your risk level down. Yes. So instead of 90 shares in property, we can start reducing that as you go to pension phase. Yeah. Yep. No. I'd I'd be happy with something like that. I mean, that sounds awful, but Greg's Super is quite reasonable. We have a lot of equity in our house. Like, there's a lot of fallback positions for Yep. us. Okay.","start_word":3699,"end_word":3906,"sentiment":"neutral","sentiment_score":0.06836444325745106},{"text":"Perfect.","start_word":3907,"end_word":3907,"sentiment":"positive","sentiment_score":0.3594840466976166},{"text":"So I'll compare a high growth portfolio with a bit of a a fix up on a couple of options, Sure. and I'll add in the different insurance premiums as well as the salary expense.","start_word":3908,"end_word":3942,"sentiment":"neutral","sentiment_score":0.1954197883605957},{"text":"Thank you. Lovely. Perfect.","start_word":3943,"end_word":3946,"sentiment":"positive","sentiment_score":0.5690613985061646},{"text":"So what I've got to do from here basically is we're gonna research those comparisons, put your plans together over the next couple of weeks. Yep. And then I'm actually going on leave in about a week's time because Nice. I have my third baby is coming on the eleventh Oh, of congratulations. June.","start_word":3947,"end_word":4000,"sentiment":"neutral","sentiment_score":0.22580453753471377},{"text":"Thank you.","start_word":4001,"end_word":4002,"sentiment":"positive","sentiment_score":0.48756274580955505},{"text":"So we've got two boys and we got a daughter on the way, so I'm going paternity leave.","start_word":4003,"end_word":4020,"sentiment":"neutral","sentiment_score":0.21814075112342832},{"text":"Oh, perfect. Perfect.","start_word":4021,"end_word":4023,"sentiment":"positive","sentiment_score":0.4026681184768677},{"text":"But as the guide, because I don't have all the assets, shall we say, I'm only gonna take a couple of weeks and then a little bit little bit more further in the year. So basically, what I'm saying, Susan, is I'll get you booked in as soon as I get. Oh, and that is not a problem with me at all.","start_word":4024,"end_word":4085,"sentiment":"neutral","sentiment_score":0.07360333312422998},{"text":"That's fine. No worries Appreciate at all. that. Thank you.","start_word":4086,"end_word":4095,"sentiment":"positive","sentiment_score":0.45502227544784546},{"text":"No. Any questions on the direction so far? Because, obviously, I'll put No. it in a plan for you to read through, but does it No. make sense? No. Very happy.","start_word":4096,"end_word":4126,"sentiment":"neutral","sentiment_score":0.00938116293400526},{"text":"Perfect.","start_word":4127,"end_word":4127,"sentiment":"positive","sentiment_score":0.4369063377380371},{"text":"The last thing is we included your updated service agreement there. Yep. We've got there's no change in the fees, 1.65% that gets spread across monthly payments. And, again, no lock in for the twelve months, but it's just a consent so that we can still interact with the Superfund on your Yep. behalf. Yep. Not Alrighty. a problem Any at questions all. on that? No. No. All good. Cool. Susan, have you ever used our new Odoo sign? Have you ever seen these emails with the purple buttons before? Probably. Cool. I So do it's so much just signing like a online. DocuSign. So yeah. Yep. So happy So for you're me to used sign? to it. Go ahead and sign. Yep. So oh, yep. Yep. Yep. Yep. Yes, please. That oh, Oh, look at that. Oh, god.","start_word":4128,"end_word":4266,"sentiment":"neutral","sentiment_score":0.09898121654987337},{"text":"I love it.","start_word":4267,"end_word":4269,"sentiment":"positive","sentiment_score":0.45919913053512573},{"text":"After your date's gone in. Next document. So option to provide tax file number, you guys would have that, though, wouldn't you? Yeah. So what Perfect. we've got for these forms is Yep. a consent to hold the tax phone number. Yep. Done. That's fine. Done. Validate. And then there'll be a pop up to download a signed copy to your record. Yeah. Perfect. Sorry. It's just Sensational. loading. Just taking its time. Hey.","start_word":4270,"end_word":4343,"sentiment":"neutral","sentiment_score":0.1120716780424118},{"text":"The Wi Fi has held up pretty good in the reception, so that's been good.","start_word":4344,"end_word":4358,"sentiment":"positive","sentiment_score":0.419950395822525},{"text":"Yeah. And I've I just had know.","start_word":4359,"end_word":4365,"sentiment":"neutral","sentiment_score":0.22228574752807617},{"text":"it come through spring, so thank you for that.","start_word":4366,"end_word":4374,"sentiment":"positive","sentiment_score":0.37745511531829834},{"text":"Done. All done. Alright, Susan. Do you have any questions for me before I let you go and enjoy the end of your week? No. No.","start_word":4375,"end_word":4400,"sentiment":"neutral","sentiment_score":0.16521702821438128},{"text":"You've been a great help. Thank you so very much. Amazing.","start_word":4401,"end_word":4411,"sentiment":"positive","sentiment_score":0.6368676424026489},{"text":"We'll send the usual feedback text message if Yep. you don't mind. And No. outside of that, I will talk to you again in a few weeks to go through your plan.","start_word":4412,"end_word":4443,"sentiment":"neutral","sentiment_score":0.1980307549238205},{"text":"No worries at all. And, yeah, good luck with the birth of your daughter. What an amazing Thank you. Thank time. you so much, Susan.","start_word":4444,"end_word":4468,"sentiment":"positive","sentiment_score":0.6090691089630127},{"text":"I'll talk to you No. soon. No worries.","start_word":4469,"end_word":4476,"sentiment":"neutral","sentiment_score":0.11775530874729156},{"text":"Thank you. See you later.","start_word":4477,"end_word":4481,"sentiment":"positive","sentiment_score":0.4112549722194672},{"text":"Bye. Bye.","start_word":4482,"end_word":4483,"sentiment":"neutral","sentiment_score":0.14494983851909635}],"average":{"sentiment":"neutral","sentiment_score":0.07994176003326317}}}}