{"metadata":{"transaction_key":"deprecated","request_id":"019df5bc-63b6-7663-94f8-d01e1a6b6fb7","sha256":"c990deccba4837d17b03201ab363b095702f549dd45ce440c60b7877c86773d9","created":"2026-05-05T01:24:20.987Z","duration":1139.7599,"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":3940,"output_tokens":98},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4379,"output_tokens":4388},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4379,"output_tokens":460}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, David. Larissa here from OQ Financial. How are you going? That's good. Can't complain for a Tuesday. Did you have the luxury of having yesterday off with a public holiday? Half your luck. That's pretty half decent amount of time off. Fair. Of course. Of course. You do. Well, that's good. You got to enjoy the public holiday with everyone off as well. No. You oh, why is are you stuck stuck doing the doing the hard yakko while everyone else is off enjoying themselves? Good. I was giving you a call today so I could go through and present to you the recommendations and the advice following your discussions with my colleague, Janice, late last year, early this year. Perfect. Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to complete security for me, just full name, date of birth, and address. Fantastic. You say that like you've said it before. Now the basically, what I was sort of, I guess, calling for was to kinda go through where you're at and where, like, we wanna sort of, I guess, alter things to to put you into a little bit of a better position. So when you spoke with Dennis, you guys discussed increasing your insurance from where it currently sits up to that sort of $2,000,000 mark. We did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit. But you sit just below 1.2 mil. So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider. Tal actually provides you with the best service in terms of your occupation. Not a lot of other providers were gonna give us their those decent rates and keep you, you know, with with a benefit that's befitting your occupation because you're sort of in that mine and that you're in that mining sector. Obviously, I have to be, you know, aware of of making sure that we're keeping you covered to the same definition that you currently hold. Because with with your total permanent disability, there are definitions that are lesser than what you currently hold, and we wouldn't wanna, you know, replace your your current benefit with something less than. So the best outcome for your insurance to move it up into that $2,000,000 mark is actually to just increase your current policy. It still requires, like, an up like, application with TAO, but it means that your current benefit doesn't become affected, and that new benefit just basically gets added on to the actual policy. So going from, you know, 1.187489 and 10¢ over to the 2,000,000 does obviously increase the premiums that little bit. But you go from basically net per annum is 1,439 over to 2,344. So it's not an astronomically large difference, you know, sort of $900 sort of difference between the two premiums, but you're gonna have that $2,000,000 worth of cover for the life and the total permanent disability benefit. That's still in line with what you wanted to do? You still wanted to go ahead with that 2,000,000? Yeah. Yeah. Yeah. Absolutely. Perfect. So that that that part and parcel of what the recommendation was. So we did quite extensive research into, you know, seeing whether there were other providers. Tel still gonna hit the nail on the head there. The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is. But you came out as a high growth investor, so you have plenty of time left on the market before you're looking to access the funds, and you're sort of, you know, willing to take a little bit of that that volatile risk. Not too too much, but still willing to take that little bit of risk. So we've just kind of realigned the portfolio. When we've realigned it, we've actually we've taken it into consideration any potential, like, capital gains tax that would be applicable in moving, but we've also looked at trying to make the overall portfolio cost less for you as well. So looking at some of the sort of cheaper assets that we could invest in. So that way, you know, you're not paying a lot of money for assets, you know, or or or stocks and shares that you're investing in. We were able to cut the price on your investments down quite considerably, which is good. So we're we're saving a bit of money there from from your actual investment fee on your account. So about $260 a year. So that's a bit of a savings in your back pocket. And, historically, the the performance of the funds that we're we're moving you into have done about 6% better historically over a rolling three year average. So we've got a better performance history on our on our side as well. And we're just sort of removing some of those underlying funds like the Bennelong Australian asset. It's a that that fund is a managed fund, and the fund's manager, Bennelong, have a really high conviction in the assets that they've chosen. And, unfortunately, the assets or the stocks and shares that they're invested in just aren't really pulling their weight, and Bennelong aren't willing to make any massive changes to the fund. They're basically standing behind the the decisions they've made, and they're not sort of tweaking it as the market's changing. As you know, the market moves, the market changes, and we need to be a little bit fluid with it. But Bennelong aren't willing to kinda change their their their funds or that fund specifically to keep up with the time. So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading. Because, again, the market does move and change, and we have to keep up with it as we as we roll along. Yeah. Okay. No. No. Yeah. Okay. No. Perfect. Well, I've emailed you with, like, the statement of advice document that basically details the advice. So it outlines those two major recommendations for the the change to your underlying investments and also the increase to your life insurance policy. Outside of that, the one thing I did, I guess, wanna raise with you was that currently your super fund doesn't have a beneficiary nomination on it, which means that it in yeah. Just, you know, help the wife out a little bit, make sure that it's nice and easy if anything happens to you, that it's a easier application. Yeah. And do it. Do you need me to send the the forms to you again? Yeah. That's okay. Do you want me to email them to you? Yeah. And then you can print them. Do them at work. Force one of the guys at work to sign it as a witness for you. Just show me the paperwork. Perfect. Do do you want me to yeah. Exactly. Do you want me to pre fill it with, like, your wife's information so that way it's as friendly as possible? Yeah. I got you. I get it. Oh, beautiful. What car are you playing with? V g t s. Oh, as v e. Oh, okay. Nice. You gotta hold him. Lovely. Rebuilding the motor? Or oh, you I have another client that was out at the Rocky Nats last week as well. So you were racing, were you? I love. So what did we do to the motor? Yeah. Just plugged it too hard, I assume. Oh, nothing wrong with that. As long as you had fun and you're willing to put the labor into fixing it. That's it. Now just to confirm, like, your wife's name's Suzanne, it is s u z a n n e? And do you know her date of birth? Where would we be without Facebook? 13581. Perfect. And she lives at the same house as yourself, and she shares the last name with you. I will fill that all out. Now I am recommending that you do nominate her as a 100% whilst you do have the three littlers. When they get when they get older, they do. Like, while they're young, realistically like, while they're tax dependents, all you're doing is forcing your wife to have to fill out four times the amount of paperwork that she would otherwise have to fill out to basically get the money. Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax. Whereas your wife will never pay a cent of tax on on benefit because she'll always be a tax dependent being your wife. And, realistically, she's gonna use the money to look after your kids anyway. So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy. Just nominate nominate her and keep the paperwork to a minimum. Perfect. So I'll fill out the documents. I'll email them through to you. And and that way, you just print them out while you're at work, sign it in front of two of the guys, get them to sign it. Everyone dates it on the same date. You can't witness a document if we're dating on three separate dates to make sure it's all dated the same. And so long as your wife is not a a witness, which if you're doing it at work, she's not going to be, then we're all good. Perfect. So I will email them to you. And then outside of that, I sent you an email with the documents. So once you sign those documents, we can organize to get that application done where my colleague, Jack, would basically give you a call and run through the personal statement for the, the increase. Now, obviously, today is your last day before you go on swing. So I'm assuming you're on swing from, basically, the fifth until the eleventh, twelfth. Oh, sorry. '6 to okay. So six till the thirteenth. Alright. So how about would the fourteenth or fifteenth, so that's a Thursday, Friday, work for you? I know that that generally works pretty well for for Jack being able to sort of do those applications later in the week. Alright. Let me just bring up his calendar so I can just confirm what his availability is. You've pretty much, they got free reign. So on that Thursday, Friday, what do you have a sort of best time? No. It doesn't matter. Alright. Well, let's just keep it sort of same time, and let's go that 11:11AM on Thursday the fourteenth. Perfect. Alright. I will book that in now. So that way, Jack can give you a call, go through that pal application, and and get that all done for you. Alright? Perfect. If you have any questions between, like, now and then with regards to the documents, feel free to email. But, otherwise, you're more than welcome to obviously ask Jack when you when you get to that point. So if you're able to look over those documents that I've emailed you and then sign them and get them back, that way I can get that investment change happening on your account, and and we can get that all implemented for you. Yeah. Fantastic. Did you have any other questions at all? Alright. Perfect. No. Excellent. Well, I will let you go finish rebuilding the motor. Are we about to drop it back in, or are we still we've pulled it out completely? Fair. Well, I've rebuilt one motor, and that was because I cracked the head in it, and it was like an old '94 Corolla. And I can say that it was kind of fun, to be honest. It's been a a good couple of decades since I've had a chance to get my hands into a car and, you know, do all the things. I used I used to service it myself, replace the shocks a couple times. Yeah. I had to do two engine rebuilds because it turns out that all of the water pipes were absolutely cracked through it because, you know, it was a it it was a 20 year old car and took it to the mechanic, and they were like, no. You're you're flogging it. It's your fault. It's your fault. And I ended up pulling it all apart, finding all the cracked pipe hoses in it, and realized what had gone wrong and decided I didn't I didn't trust, yeah, decided I didn't trust anyone and did it myself. A little bit much. Yeah. No. That's fair. Yeah. Oh, so not not too bad. Yeah. No. No. No. Send it below. Yeah. I would. Definitely. No. Well, I will leave you to it. Good luck, and I hope the rebuild goes well. But, yeah, any questions, give us a call. Absolutely. No problems at all, David. You have a good one. 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David. Larissa here from OQ Financial. How are you going? That's good. Can't complain for a Tuesday.\n\nDid you have the luxury of having yesterday off with a public holiday? Half your luck. That's pretty half decent amount of time off. Fair. Of course.\n\nOf course. You do. Well, that's good. You got to enjoy the public holiday with everyone off as well. No.\n\nYou oh, why is are you stuck stuck doing the doing the hard yakko while everyone else is off enjoying themselves? Good. I was giving you a call today so I could go through and present to you the recommendations and the advice following your discussions with my colleague, Janice, late last year, early this year. Perfect. Before I jump into it, I do need to let you know that our calls are recorded.\n\nAnd if I could just get you to complete security for me, just full name, date of birth, and address. Fantastic. You say that like you've said it before. Now the basically, what I was sort of, I guess, calling for was to kinda go through where you're at and where, like, we wanna sort of, I guess, alter things to to put you into a little bit of a better position. So when you spoke with Dennis, you guys discussed increasing your insurance from where it currently sits up to that sort of $2,000,000 mark.\n\nWe did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit. But you sit just below 1.2 mil. So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider. Tal actually provides you with the best service in terms of your occupation. Not a lot of other providers were gonna give us their those decent rates and keep you, you know, with with a benefit that's befitting your occupation because you're sort of in that mine and that you're in that mining sector.\n\nObviously, I have to be, you know, aware of of making sure that we're keeping you covered to the same definition that you currently hold. Because with with your total permanent disability, there are definitions that are lesser than what you currently hold, and we wouldn't wanna, you know, replace your your current benefit with something less than. So the best outcome for your insurance to move it up into that $2,000,000 mark is actually to just increase your current policy. It still requires, like, an up like, application with TAO, but it means that your current benefit doesn't become affected, and that new benefit just basically gets added on to the actual policy. So going from, you know, 1.187489 and 10¢ over to the 2,000,000 does obviously increase the premiums that little bit.\n\nBut you go from basically net per annum is 1,439 over to 2,344. So it's not an astronomically large difference, you know, sort of $900 sort of difference between the two premiums, but you're gonna have that $2,000,000 worth of cover for the life and the total permanent disability benefit. That's still in line with what you wanted to do? You still wanted to go ahead with that 2,000,000? Yeah.\n\nYeah. Yeah. Absolutely. Perfect. So that that that part and parcel of what the recommendation was.\n\nSo we did quite extensive research into, you know, seeing whether there were other providers. Tel still gonna hit the nail on the head there. The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is. But you came out as a high growth investor, so you have plenty of time left on the market before you're looking to access the funds, and you're sort of, you know, willing to take a little bit of that that volatile risk. Not too too much, but still willing to take that little bit of risk.\n\nSo we've just kind of realigned the portfolio. When we've realigned it, we've actually we've taken it into consideration any potential, like, capital gains tax that would be applicable in moving, but we've also looked at trying to make the overall portfolio cost less for you as well. So looking at some of the sort of cheaper assets that we could invest in. So that way, you know, you're not paying a lot of money for assets, you know, or or or stocks and shares that you're investing in. We were able to cut the price on your investments down quite considerably, which is good.\n\nSo we're we're saving a bit of money there from from your actual investment fee on your account. So about $260 a year. So that's a bit of a savings in your back pocket. And, historically, the the performance of the funds that we're we're moving you into have done about 6% better historically over a rolling three year average. So we've got a better performance history on our on our side as well.\n\nAnd we're just sort of removing some of those underlying funds like the Bennelong Australian asset. It's a that that fund is a managed fund, and the fund's manager, Bennelong, have a really high conviction in the assets that they've chosen. And, unfortunately, the assets or the stocks and shares that they're invested in just aren't really pulling their weight, and Bennelong aren't willing to make any massive changes to the fund. They're basically standing behind the the decisions they've made, and they're not sort of tweaking it as the market's changing. As you know, the market moves, the market changes, and we need to be a little bit fluid with it.\n\nBut Bennelong aren't willing to kinda change their their their funds or that fund specifically to keep up with the time. So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading. Because, again, the market does move and change, and we have to keep up with it as we as we roll along. Yeah. Okay.\n\nNo. No. Yeah. Okay. No.\n\nPerfect. Well, I've emailed you with, like, the statement of advice document that basically details the advice. So it outlines those two major recommendations for the the change to your underlying investments and also the increase to your life insurance policy. Outside of that, the one thing I did, I guess, wanna raise with you was that currently your super fund doesn't have a beneficiary nomination on it, which means that it in yeah. Just, you know, help the wife out a little bit, make sure that it's nice and easy if anything happens to you, that it's a easier application.\n\nYeah. And do it. Do you need me to send the the forms to you again? Yeah. That's okay.\n\nDo you want me to email them to you? Yeah. And then you can print them. Do them at work. Force one of the guys at work to sign it as a witness for you.\n\nJust show me the paperwork. Perfect. Do do you want me to yeah. Exactly. Do you want me to pre fill it with, like, your wife's information so that way it's as friendly as possible?\n\nYeah. I got you. I get it. Oh, beautiful. What car are you playing with?\n\nV g t s. Oh, as v e. Oh, okay. Nice. You gotta hold him.\n\nLovely. Rebuilding the motor? Or oh, you I have another client that was out at the Rocky Nats last week as well. So you were racing, were you? I love.\n\nSo what did we do to the motor? Yeah. Just plugged it too hard, I assume. Oh, nothing wrong with that. As long as you had fun and you're willing to put the labor into fixing it.\n\nThat's it. Now just to confirm, like, your wife's name's Suzanne, it is s u z a n n e? And do you know her date of birth? Where would we be without Facebook? 13581.\n\nPerfect. And she lives at the same house as yourself, and she shares the last name with you. I will fill that all out. Now I am recommending that you do nominate her as a 100% whilst you do have the three littlers. When they get when they get older, they do.\n\nLike, while they're young, realistically like, while they're tax dependents, all you're doing is forcing your wife to have to fill out four times the amount of paperwork that she would otherwise have to fill out to basically get the money. Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax. Whereas your wife will never pay a cent of tax on on benefit because she'll always be a tax dependent being your wife. And, realistically, she's gonna use the money to look after your kids anyway. So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy.\n\nJust nominate nominate her and keep the paperwork to a minimum. Perfect. So I'll fill out the documents. I'll email them through to you. And and that way, you just print them out while you're at work, sign it in front of two of the guys, get them to sign it.\n\nEveryone dates it on the same date. You can't witness a document if we're dating on three separate dates to make sure it's all dated the same. And so long as your wife is not a a witness, which if you're doing it at work, she's not going to be, then we're all good. Perfect. So I will email them to you.\n\nAnd then outside of that, I sent you an email with the documents. So once you sign those documents, we can organize to get that application done where my colleague, Jack, would basically give you a call and run through the personal statement for the, the increase. Now, obviously, today is your last day before you go on swing. So I'm assuming you're on swing from, basically, the fifth until the eleventh, twelfth. Oh, sorry.\n\n'6 to okay. So six till the thirteenth. Alright. So how about would the fourteenth or fifteenth, so that's a Thursday, Friday, work for you? I know that that generally works pretty well for for Jack being able to sort of do those applications later in the week.\n\nAlright. Let me just bring up his calendar so I can just confirm what his availability is. You've pretty much, they got free reign. So on that Thursday, Friday, what do you have a sort of best time? No.\n\nIt doesn't matter. Alright. Well, let's just keep it sort of same time, and let's go that 11:11AM on Thursday the fourteenth. Perfect. Alright.\n\nI will book that in now. So that way, Jack can give you a call, go through that pal application, and and get that all done for you. Alright? Perfect. If you have any questions between, like, now and then with regards to the documents, feel free to email.\n\nBut, otherwise, you're more than welcome to obviously ask Jack when you when you get to that point. So if you're able to look over those documents that I've emailed you and then sign them and get them back, that way I can get that investment change happening on your account, and and we can get that all implemented for you. Yeah. Fantastic. Did you have any other questions at all?\n\nAlright. Perfect. No. Excellent. Well, I will let you go finish rebuilding the motor.\n\nAre we about to drop it back in, or are we still we've pulled it out completely? Fair. Well, I've rebuilt one motor, and that was because I cracked the head in it, and it was like an old '94 Corolla. And I can say that it was kind of fun, to be honest. It's been a a good couple of decades since I've had a chance to get my hands into a car and, you know, do all the things.\n\nI used I used to service it myself, replace the shocks a couple times. Yeah. I had to do two engine rebuilds because it turns out that all of the water pipes were absolutely cracked through it because, you know, it was a it it was a 20 year old car and took it to the mechanic, and they were like, no. You're you're flogging it. It's your fault.\n\nIt's your fault. And I ended up pulling it all apart, finding all the cracked pipe hoses in it, and realized what had gone wrong and decided I didn't I didn't trust, yeah, decided I didn't trust anyone and did it myself. A little bit much. Yeah. No.\n\nThat's fair. Yeah. Oh, so not not too bad. Yeah. No.\n\nNo. No. Send it below. Yeah. I would.\n\nDefinitely. No. Well, I will leave you to it. Good luck, and I hope the rebuild goes well. But, yeah, any questions, give us a call.\n\nAbsolutely. No problems at all, David. You have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, David.","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.12404650449752808},{"text":"Larissa here from OQ Financial.","start":4.3199997,"end":5.68,"sentiment":"neutral","sentiment_score":0.14838375747203827},{"text":"How are you going?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.19307153671979904},{"text":"That's good.","start":8.559999,"end":9.36,"sentiment":"positive","sentiment_score":0.6730051040649414},{"text":"Can't complain for a Tuesday.","start":9.36,"end":10.98,"sentiment":"neutral","sentiment_score":0.20349866151809692}],"sentiment":"neutral","sentiment_score":0.22921119216415617,"num_words":18,"start":3.28,"end":10.98},{"sentences":[{"text":"Did you have the luxury of having yesterday off with a public holiday?","start":12.975,"end":17.075,"sentiment":"neutral","sentiment_score":0.032901705171053224},{"text":"Half your luck.","start":26.27,"end":28.37,"sentiment":"neutral","sentiment_score":0.13377453883488974},{"text":"That's pretty half decent amount of time off.","start":28.67,"end":31.490002,"sentiment":"neutral","sentiment_score":0.11530382558703423},{"text":"Fair.","start":35.39,"end":35.89,"sentiment":"neutral","sentiment_score":0.1034805178642273},{"text":"Of course.","start":35.95,"end":36.59,"sentiment":"neutral","sentiment_score":0.10409529507160187}],"sentiment":"neutral","sentiment_score":0.07641287023822467,"num_words":27,"start":12.975,"end":36.59},{"sentences":[{"text":"Of course.","start":36.59,"end":37.07,"sentiment":"neutral","sentiment_score":0.14319442957639694},{"text":"You do.","start":37.07,"end":37.73,"sentiment":"neutral","sentiment_score":0.17515220493078232},{"text":"Well, that's good.","start":39.285,"end":40.345,"sentiment":"positive","sentiment_score":0.42320844531059265},{"text":"You got to enjoy the public holiday with everyone off as well.","start":40.885002,"end":43.625,"sentiment":"positive","sentiment_score":0.3734634766976039},{"text":"No.","start":47.845,"end":48.085,"sentiment":"neutral","sentiment_score":-0.2195412516593933}],"sentiment":"neutral","sentiment_score":0.30841695368289945,"num_words":20,"start":36.59,"end":48.085},{"sentences":[{"text":"You oh, why is are you stuck stuck doing the doing the hard yakko while everyone else is off enjoying themselves?","start":48.085,"end":61.8,"sentiment":"neutral","sentiment_score":-0.2284949194817316},{"text":"Good.","start":65.175,"end":65.675,"sentiment":"neutral","sentiment_score":0.29203736782073975},{"text":"I was giving you a call today so I could go through and present to you the recommendations and the advice following your discussions with my colleague, Janice, late last year, early this year.","start":66.055,"end":78.03,"sentiment":"neutral","sentiment_score":0.1492822726859766},{"text":"Perfect.","start":78.03,"end":78.53,"sentiment":"neutral","sentiment_score":0.26853713393211365},{"text":"Before I jump into it, I do need to let you know that our calls are recorded.","start":80.03,"end":83.329994,"sentiment":"neutral","sentiment_score":0.05844843935440568}],"sentiment":"neutral","sentiment_score":0.024748674770062033,"num_words":74,"start":48.085,"end":83.329994},{"sentences":[{"text":"And if I could just get you to complete security for me, just full name, date of birth, and address.","start":83.46999,"end":88.77,"sentiment":"neutral","sentiment_score":0.07090833820402623},{"text":"Fantastic.","start":99.635,"end":100.135,"sentiment":"positive","sentiment_score":0.4145073890686035},{"text":"You say that like you've said it before.","start":101.875,"end":103.495,"sentiment":"neutral","sentiment_score":0.18325330317020416},{"text":"Now the basically, what I was sort of, I guess, calling for was to kinda go through where you're at and where, like, we wanna sort of, I guess, alter things to to put you into a little bit of a better position.","start":107.15,"end":120.285,"sentiment":"neutral","sentiment_score":-0.008842059909257778},{"text":"So when you spoke with Dennis, you guys discussed increasing your insurance from where it currently sits up to that sort of $2,000,000 mark.","start":120.525,"end":131.505,"sentiment":"neutral","sentiment_score":0.0020251886453479524}],"sentiment":"neutral","sentiment_score":0.030907255519802373,"num_words":96,"start":83.46999,"end":131.505},{"sentences":[{"text":"We did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit.","start":131.88501,"end":140.09999,"sentiment":"neutral","sentiment_score":-0.04651089342167744},{"text":"But you sit just below 1.2 mil.","start":140.4,"end":142.66,"sentiment":"neutral","sentiment_score":-0.05576233086841447},{"text":"So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider.","start":143.51999,"end":155.435,"sentiment":"neutral","sentiment_score":0.023514303290063425},{"text":"Tal actually provides you with the best service in terms of your occupation.","start":156.135,"end":159.915,"sentiment":"positive","sentiment_score":0.46399177267001224},{"text":"Not a lot of other providers were gonna give us their those decent rates and keep you, you know, with with a benefit that's befitting your occupation because you're sort of in that mine and that you're in that mining sector.","start":161.26001,"end":174.72,"sentiment":"neutral","sentiment_score":0.20464682579040527}],"sentiment":"neutral","sentiment_score":0.10705731856788314,"num_words":129,"start":131.88501,"end":174.72},{"sentences":[{"text":"Obviously, I have to be, you know, aware of of making sure that we're keeping you covered to the same definition that you currently hold.","start":175.96501,"end":181.905,"sentiment":"neutral","sentiment_score":-0.036163520775735376},{"text":"Because with with your total permanent disability, there are definitions that are lesser than what you currently hold, and we wouldn't wanna, you know, replace your your current benefit with something less than.","start":182.445,"end":192.15,"sentiment":"neutral","sentiment_score":-0.1258984205849243},{"text":"So the best outcome for your insurance to move it up into that $2,000,000 mark is actually to just increase your current policy.","start":193.65,"end":201.26999,"sentiment":"neutral","sentiment_score":0.1540975962644038},{"text":"It still requires, like, an up like, application with TAO, but it means that your current benefit doesn't become affected, and that new benefit just basically gets added on to the actual policy.","start":202.05,"end":214.345,"sentiment":"neutral","sentiment_score":0.17666826419758075},{"text":"So going from, you know, 1.187489 and 10¢ over to the 2,000,000 does obviously increase the premiums that little bit.","start":215.52501,"end":228.65,"sentiment":"neutral","sentiment_score":0.05173384986425701}],"sentiment":"neutral","sentiment_score":0.03983838106260488,"num_words":134,"start":175.96501,"end":228.65},{"sentences":[{"text":"But you go from basically net per annum is 1,439 over to 2,344.","start":228.87,"end":235.865,"sentiment":"neutral","sentiment_score":0.021368814202455375},{"text":"So it's not an astronomically large difference, you know, sort of $900 sort of difference between the two premiums, but you're gonna have that $2,000,000 worth of cover for the life and the total permanent disability benefit.","start":235.865,"end":249.325,"sentiment":"neutral","sentiment_score":0.0484258453990962},{"text":"That's still in line with what you wanted to do?","start":251.84999,"end":253.53,"sentiment":"neutral","sentiment_score":0.2460850641131401},{"text":"You still wanted to go ahead with that 2,000,000?","start":253.53,"end":255.47,"sentiment":"neutral","sentiment_score":0.12937602483563954},{"text":"Yeah.","start":257.45,"end":257.95,"sentiment":"neutral","sentiment_score":0.13063065707683563}],"sentiment":"neutral","sentiment_score":0.08322023408753532,"num_words":70,"start":228.87,"end":257.95},{"sentences":[{"text":"Yeah.","start":258.16998,"end":258.49,"sentiment":"neutral","sentiment_score":0.1702798306941986},{"text":"Yeah.","start":258.49,"end":258.81,"sentiment":"neutral","sentiment_score":0.27904173731803894},{"text":"Absolutely.","start":258.81,"end":259.31,"sentiment":"positive","sentiment_score":0.476531445980072},{"text":"Perfect.","start":261.29,"end":261.79,"sentiment":"positive","sentiment_score":0.5308471322059631},{"text":"So that that that part and parcel of what the recommendation was.","start":262.01,"end":266.395,"sentiment":"neutral","sentiment_score":0.32558249433835346}],"sentiment":"positive","sentiment_score":0.33523062989115715,"num_words":16,"start":258.16998,"end":266.395},{"sentences":[{"text":"So we did quite extensive research into, you know, seeing whether there were other providers.","start":266.395,"end":270.095,"sentiment":"neutral","sentiment_score":0.08751681620875994},{"text":"Tel still gonna hit the nail on the head there.","start":270.79498,"end":273.615,"sentiment":"neutral","sentiment_score":-0.014672665297985077},{"text":"The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is.","start":274.235,"end":300.595,"sentiment":"neutral","sentiment_score":-0.003317820691112159},{"text":"But you came out as a high growth investor, so you have plenty of time left on the market before you're looking to access the funds, and you're sort of, you know, willing to take a little bit of that that volatile risk.","start":300.595,"end":313.40997,"sentiment":"neutral","sentiment_score":0.19828836723815563},{"text":"Not too too much, but still willing to take that little bit of risk.","start":314.11,"end":317.235,"sentiment":"neutral","sentiment_score":-0.019581798996244158}],"sentiment":"neutral","sentiment_score":0.0608566262765436,"num_words":151,"start":266.395,"end":317.235},{"sentences":[{"text":"So we've just kind of realigned the portfolio.","start":317.955,"end":320.055,"sentiment":"neutral","sentiment_score":0.18787890672683716},{"text":"When we've realigned it, we've actually we've taken it into consideration any potential, like, capital gains tax that would be applicable in moving, but we've also looked at trying to make the overall portfolio cost less for you as well.","start":320.59497,"end":334.21,"sentiment":"neutral","sentiment_score":0.13567662043496967},{"text":"So looking at some of the sort of cheaper assets that we could invest in.","start":334.34998,"end":340.12997,"sentiment":"neutral","sentiment_score":0.2677130291859309},{"text":"So that way, you know, you're not paying a lot of money for assets, you know, or or or stocks and shares that you're investing in.","start":340.50998,"end":348.955,"sentiment":"neutral","sentiment_score":0.31181610834140044},{"text":"We were able to cut the price on your investments down quite considerably, which is good.","start":349.175,"end":355.275,"sentiment":"positive","sentiment_score":0.6611260324716568}],"sentiment":"neutral","sentiment_score":0.28220025567071777,"num_words":105,"start":317.955,"end":355.275},{"sentences":[{"text":"So we're we're saving a bit of money there from from your actual investment fee on your account.","start":355.69,"end":360.51,"sentiment":"positive","sentiment_score":0.5055866166949272},{"text":"So about $260 a year.","start":362.41,"end":364.67,"sentiment":"positive","sentiment_score":0.36694117188453673},{"text":"So that's a bit of a savings in your back pocket.","start":364.81,"end":367.29,"sentiment":"neutral","sentiment_score":0.2670728489756584},{"text":"And, historically, the the performance of the funds that we're we're moving you into have done about 6% better historically over a rolling three year average.","start":367.29,"end":377.835,"sentiment":"positive","sentiment_score":0.3984993931192618},{"text":"So we've got a better performance history on our on our side as well.","start":377.835,"end":383.48,"sentiment":"positive","sentiment_score":0.38770743353026255}],"sentiment":"positive","sentiment_score":0.40083722417821754,"num_words":74,"start":355.69,"end":383.48},{"sentences":[{"text":"And we're just sort of removing some of those underlying funds like the Bennelong Australian asset.","start":383.94,"end":388.2,"sentiment":"neutral","sentiment_score":0.11964521021582186},{"text":"It's a that that fund is a managed fund, and the fund's manager, Bennelong, have a really high conviction in the assets that they've chosen.","start":389.30002,"end":398.78497,"sentiment":"positive","sentiment_score":0.381613055691123},{"text":"And, unfortunately, the assets or the stocks and shares that they're invested in just aren't really pulling their weight, and Bennelong aren't willing to make any massive changes to the fund.","start":398.78497,"end":408.32498,"sentiment":"negative","sentiment_score":-0.6697182770698301},{"text":"They're basically standing behind the the decisions they've made, and they're not sort of tweaking it as the market's changing.","start":408.78497,"end":415.53998,"sentiment":"neutral","sentiment_score":-0.3180358476936817},{"text":"As you know, the market moves, the market changes, and we need to be a little bit fluid with it.","start":415.75998,"end":420.5,"sentiment":"neutral","sentiment_score":-0.2321201056241989}],"sentiment":"neutral","sentiment_score":-0.18133692767670645,"num_words":112,"start":383.94,"end":420.5},{"sentences":[{"text":"But Bennelong aren't willing to kinda change their their their funds or that fund specifically to keep up with the time.","start":420.56,"end":427.535,"sentiment":"neutral","sentiment_score":-0.2408434408051627},{"text":"So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading.","start":427.535,"end":438.755,"sentiment":"neutral","sentiment_score":0.08936546601959176},{"text":"Because, again, the market does move and change, and we have to keep up with it as we as we roll along.","start":439.06,"end":444.6,"sentiment":"neutral","sentiment_score":0.05549115450544791},{"text":"Yeah.","start":458.035,"end":458.535,"sentiment":"neutral","sentiment_score":-0.07186716794967651},{"text":"Okay.","start":475.825,"end":476.325,"sentiment":"neutral","sentiment_score":-0.2188490331172943}],"sentiment":"neutral","sentiment_score":-0.010013424586959002,"num_words":82,"start":420.56,"end":476.325},{"sentences":[{"text":"No.","start":497.12,"end":497.62,"sentiment":"negative","sentiment_score":-0.6010210514068604},{"text":"No.","start":498.4,"end":498.9,"sentiment":"negative","sentiment_score":-0.6307582855224609},{"text":"Yeah.","start":501.295,"end":501.795,"sentiment":"neutral","sentiment_score":-0.1287180483341217},{"text":"Okay.","start":512.02997,"end":512.52997,"sentiment":"neutral","sentiment_score":0.24899521470069885},{"text":"No.","start":512.58997,"end":512.99,"sentiment":"neutral","sentiment_score":0.20412273705005649}],"sentiment":"neutral","sentiment_score":-0.18147588670253753,"num_words":5,"start":497.12,"end":512.99},{"sentences":[{"text":"Perfect.","start":512.99,"end":513.49,"sentiment":"positive","sentiment_score":0.4272840619087219},{"text":"Well, I've emailed you with, like, the statement of advice document that basically details the advice.","start":514.02997,"end":520.58997,"sentiment":"neutral","sentiment_score":0.24864215590059757},{"text":"So it outlines those two major recommendations for the the change to your underlying investments and also the increase to your life insurance policy.","start":520.58997,"end":536.375,"sentiment":"neutral","sentiment_score":0.2199090082819263},{"text":"Outside of that, the one thing I did, I guess, wanna raise with you was that currently your super fund doesn't have a beneficiary nomination on it, which means that it in yeah.","start":537.875,"end":551.89,"sentiment":"neutral","sentiment_score":0.02545626958211263},{"text":"Just, you know, help the wife out a little bit, make sure that it's nice and easy if anything happens to you, that it's a easier application.","start":552.11005,"end":560.485,"sentiment":"neutral","sentiment_score":0.19017653001679313}],"sentiment":"neutral","sentiment_score":0.15503166298760046,"num_words":101,"start":512.99,"end":560.485},{"sentences":[{"text":"Yeah.","start":565.745,"end":566.245,"sentiment":"neutral","sentiment_score":-0.05457349121570587},{"text":"And do it.","start":578.8,"end":579.86,"sentiment":"neutral","sentiment_score":0.042571938286225},{"text":"Do you need me to send the the forms to you again?","start":580.32,"end":583.54,"sentiment":"neutral","sentiment_score":-0.003442866106828054},{"text":"Yeah.","start":588.145,"end":588.54504,"sentiment":"neutral","sentiment_score":-0.016713570803403854},{"text":"That's okay.","start":588.54504,"end":589.36505,"sentiment":"neutral","sentiment_score":0.057237280532717705}],"sentiment":"neutral","sentiment_score":0.006820469506477055,"num_words":19,"start":565.745,"end":589.36505},{"sentences":[{"text":"Do you want me to email them to you?","start":589.42505,"end":592.86505,"sentiment":"neutral","sentiment_score":0.04958274546596739},{"text":"Yeah.","start":592.86505,"end":593.18506,"sentiment":"neutral","sentiment_score":0.077635258436203},{"text":"And then you can print them.","start":593.18506,"end":594.625,"sentiment":"neutral","sentiment_score":0.09159456565976143},{"text":"Do them at work.","start":594.625,"end":595.42505,"sentiment":"neutral","sentiment_score":0.08262782171368599},{"text":"Force one of the guys at work to sign it as a witness for you.","start":595.42505,"end":599.22,"sentiment":"neutral","sentiment_score":0.07316155259807905}],"sentiment":"neutral","sentiment_score":0.07146805535469736,"num_words":35,"start":589.42505,"end":599.22},{"sentences":[{"text":"Just show me the paperwork.","start":600.18,"end":601.48,"sentiment":"neutral","sentiment_score":-0.013144164904952049},{"text":"Perfect.","start":605.93994,"end":606.33997,"sentiment":"positive","sentiment_score":0.41284650564193726},{"text":"Do do you want me to yeah.","start":606.33997,"end":609.54,"sentiment":"neutral","sentiment_score":0.15104001121861593},{"text":"Exactly.","start":609.54,"end":610.04,"sentiment":"neutral","sentiment_score":0.17371097207069397},{"text":"Do you want me to pre fill it with, like, your wife's information so that way it's as friendly as possible?","start":610.74,"end":618.20496,"sentiment":"neutral","sentiment_score":0.16466312110424042}],"sentiment":"neutral","sentiment_score":0.1438869221402066,"num_words":35,"start":600.18,"end":618.20496},{"sentences":[{"text":"Yeah.","start":624.345,"end":624.825,"sentiment":"neutral","sentiment_score":0.07267119735479355},{"text":"I got you.","start":624.825,"end":625.70496,"sentiment":"neutral","sentiment_score":0.07865055402119954},{"text":"I get it.","start":625.70496,"end":626.605,"sentiment":"neutral","sentiment_score":0.06402474952240785},{"text":"Oh, beautiful.","start":634.24005,"end":635.06,"sentiment":"positive","sentiment_score":0.385770320892334},{"text":"What car are you playing with?","start":635.12006,"end":636.74005,"sentiment":"neutral","sentiment_score":0.07923874507347743}],"sentiment":"neutral","sentiment_score":0.11651134801407655,"num_words":15,"start":624.345,"end":636.74005},{"sentences":[{"text":"V g t s.","start":641.135,"end":644.175,"sentiment":"neutral","sentiment_score":-0.002869899501092732},{"text":"Oh, as v e.","start":644.175,"end":646.51495,"sentiment":"neutral","sentiment_score":0.0009908034699037671},{"text":"Oh, okay.","start":648.735,"end":649.475,"sentiment":"neutral","sentiment_score":0.15335550531744957},{"text":"Nice.","start":649.535,"end":650.01495,"sentiment":"positive","sentiment_score":0.3849872946739197},{"text":"You gotta hold him.","start":650.01495,"end":651.15497,"sentiment":"neutral","sentiment_score":0.19480963051319122}],"sentiment":"neutral","sentiment_score":0.09756136288245519,"num_words":15,"start":641.135,"end":651.15497},{"sentences":[{"text":"Lovely.","start":652.91,"end":653.41,"sentiment":"positive","sentiment_score":0.33436089754104614},{"text":"Rebuilding the motor?","start":653.63,"end":654.75,"sentiment":"neutral","sentiment_score":0.03489589753250281},{"text":"Or oh, you I have another client that was out at the Rocky Nats last week as well.","start":654.75,"end":665.57,"sentiment":"neutral","sentiment_score":0.003795219585299492},{"text":"So you were racing, were you?","start":667.235,"end":669.335,"sentiment":"neutral","sentiment_score":0.004482212942093611},{"text":"I love.","start":671.635,"end":672.455,"sentiment":"neutral","sentiment_score":0.11997893452644348}],"sentiment":"neutral","sentiment_score":0.025807122979313136,"num_words":30,"start":652.91,"end":672.455},{"sentences":[{"text":"So what did we do to the motor?","start":673.395,"end":675.015,"sentiment":"neutral","sentiment_score":-0.023914494668133557},{"text":"Yeah.","start":687.16,"end":687.48,"sentiment":"neutral","sentiment_score":-0.1250430941581726},{"text":"Just plugged it too hard, I assume.","start":687.48,"end":689.25995,"sentiment":"neutral","sentiment_score":-0.2084510965006692},{"text":"Oh, nothing wrong with that.","start":692.455,"end":693.895,"sentiment":"neutral","sentiment_score":-0.06646132431924343},{"text":"As long as you had fun and you're willing to put the labor into fixing it.","start":693.895,"end":697.435,"sentiment":"neutral","sentiment_score":-0.05431208929803688}],"sentiment":"neutral","sentiment_score":-0.08045450749656034,"num_words":37,"start":673.395,"end":697.435},{"sentences":[{"text":"That's it.","start":703.175,"end":704.155,"sentiment":"neutral","sentiment_score":-0.018416378647089005},{"text":"Now just to confirm, like, your wife's name's Suzanne, it is s u z a n n e?","start":705.30005,"end":712.52,"sentiment":"neutral","sentiment_score":0.009849126347237162},{"text":"And do you know her date of birth?","start":713.78,"end":715.4,"sentiment":"neutral","sentiment_score":-0.0019545857794582844},{"text":"Where would we be without Facebook?","start":745.825,"end":747.365,"sentiment":"neutral","sentiment_score":-0.04482370646049579},{"text":"13581.","start":754.24005,"end":755.60004,"sentiment":"neutral","sentiment_score":0.012501156888902187}],"sentiment":"neutral","sentiment_score":-0.0037607500329613686,"num_words":35,"start":703.175,"end":755.60004},{"sentences":[{"text":"Perfect.","start":755.60004,"end":755.92004,"sentiment":"neutral","sentiment_score":0.17558446526527405},{"text":"And she lives at the same house as yourself, and she shares the last name with you.","start":755.92004,"end":760.82,"sentiment":"neutral","sentiment_score":0.055464132634155894},{"text":"I will fill that all out.","start":761.92004,"end":763.46,"sentiment":"neutral","sentiment_score":0.2573773389061292},{"text":"Now I am recommending that you do nominate her as a 100% whilst you do have the three littlers.","start":763.84,"end":771.09503,"sentiment":"neutral","sentiment_score":0.32578612574817317},{"text":"When they get when they get older, they do.","start":776.67505,"end":778.67505,"sentiment":"neutral","sentiment_score":-0.03754132861892382}],"sentiment":"neutral","sentiment_score":0.16374621509860915,"num_words":52,"start":755.60004,"end":778.67505},{"sentences":[{"text":"Like, while they're young, realistically like, while they're tax dependents, all you're doing is forcing your wife to have to fill out four times the amount of paperwork that she would otherwise have to fill out to basically get the money.","start":778.67505,"end":789.82996,"sentiment":"neutral","sentiment_score":-0.11923494569321232},{"text":"Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax.","start":790.20996,"end":803.055,"sentiment":"neutral","sentiment_score":-0.02549288732310136},{"text":"Whereas your wife will never pay a cent of tax on on benefit because she'll always be a tax dependent being your wife.","start":803.055,"end":809.07,"sentiment":"neutral","sentiment_score":0.08965169128192507},{"text":"And, realistically, she's gonna use the money to look after your kids anyway.","start":809.71,"end":813.89,"sentiment":"neutral","sentiment_score":0.15564347058534622},{"text":"So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy.","start":815.31,"end":824.475,"sentiment":"positive","sentiment_score":0.35134074554361144}],"sentiment":"neutral","sentiment_score":0.06338835474076297,"num_words":136,"start":778.67505,"end":824.475},{"sentences":[{"text":"Just nominate nominate her and keep the paperwork to a minimum.","start":824.475,"end":828.575,"sentiment":"neutral","sentiment_score":0.28240901231765747},{"text":"Perfect.","start":831.435,"end":831.935,"sentiment":"positive","sentiment_score":0.5917800664901733},{"text":"So I'll fill out the documents.","start":832.15497,"end":833.435,"sentiment":"neutral","sentiment_score":0.28334170828262967},{"text":"I'll email them through to you.","start":833.435,"end":835.195,"sentiment":"neutral","sentiment_score":0.25002333770195645},{"text":"And and that way, you just print them out while you're at work, sign it in front of two of the guys, get them to sign it.","start":835.195,"end":841.76,"sentiment":"neutral","sentiment_score":0.21424617259590714}],"sentiment":"neutral","sentiment_score":0.24868855172512577,"num_words":51,"start":824.475,"end":841.76},{"sentences":[{"text":"Everyone dates it on the same date.","start":841.76,"end":843.54,"sentiment":"neutral","sentiment_score":0.1992061287164688},{"text":"You can't witness a document if we're dating on three separate dates to make sure it's all dated the same.","start":843.92,"end":848.82,"sentiment":"neutral","sentiment_score":0.04602854587137699},{"text":"And so long as your wife is not a a witness, which if you're doing it at work, she's not going to be, then we're all good.","start":849.04,"end":855.875,"sentiment":"neutral","sentiment_score":0.06045561473540686},{"text":"Perfect.","start":858.255,"end":858.735,"sentiment":"positive","sentiment_score":0.44414854049682617},{"text":"So I will email them to you.","start":858.735,"end":860.51495,"sentiment":"neutral","sentiment_score":0.20434341260365077}],"sentiment":"neutral","sentiment_score":0.09390109427453529,"num_words":62,"start":841.76,"end":860.51495},{"sentences":[{"text":"And then outside of that, I sent you an email with the documents.","start":860.815,"end":866.2,"sentiment":"neutral","sentiment_score":0.10474582532277474},{"text":"So once you sign those documents, we can organize to get that application done where my colleague, Jack, would basically give you a call and run through the personal statement for the, the increase.","start":866.2,"end":879.925,"sentiment":"neutral","sentiment_score":0.11832945246030302},{"text":"Now, obviously, today is your last day before you go on swing.","start":879.985,"end":884.165,"sentiment":"neutral","sentiment_score":0.03873986843973398},{"text":"So I'm assuming you're on swing from, basically, the fifth until the eleventh, twelfth.","start":884.305,"end":888.805,"sentiment":"neutral","sentiment_score":0.03658092913350889},{"text":"Oh, sorry.","start":891.12,"end":891.94,"sentiment":"neutral","sentiment_score":0.02864451054483652}],"sentiment":"neutral","sentiment_score":0.08558930084109306,"num_words":75,"start":860.815,"end":891.94},{"sentences":[{"text":"'6 to okay.","start":892.08,"end":895.68,"sentiment":"neutral","sentiment_score":0.013329322449862957},{"text":"So six till the thirteenth.","start":895.68,"end":896.98004,"sentiment":"neutral","sentiment_score":0.01550005581229925},{"text":"Alright.","start":898.24005,"end":898.64,"sentiment":"neutral","sentiment_score":0.08052034676074982},{"text":"So how about would the fourteenth or fifteenth, so that's a Thursday, Friday, work for you?","start":898.64,"end":904.385,"sentiment":"neutral","sentiment_score":0.064529187977314},{"text":"I know that that generally works pretty well for for Jack being able to sort of do those applications later in the week.","start":904.385,"end":911.445,"sentiment":"neutral","sentiment_score":0.25327907502651215}],"sentiment":"neutral","sentiment_score":0.14699779846705496,"num_words":48,"start":892.08,"end":911.445},{"sentences":[{"text":"Alright.","start":914.64,"end":915.12,"sentiment":"neutral","sentiment_score":0.1712497919797897},{"text":"Let me just bring up his calendar so I can just confirm what his availability is.","start":915.12,"end":919.7,"sentiment":"neutral","sentiment_score":0.14316618349403143},{"text":"You've pretty much, they got free reign.","start":923.2,"end":924.8,"sentiment":"neutral","sentiment_score":0.16432042952094758},{"text":"So on that Thursday, Friday, what do you have a sort of best time?","start":924.8,"end":930.655,"sentiment":"neutral","sentiment_score":0.050114479448114126},{"text":"No.","start":933.275,"end":933.515,"sentiment":"neutral","sentiment_score":0.0016196295619010923}],"sentiment":"neutral","sentiment_score":0.11065061734272884,"num_words":39,"start":914.64,"end":933.515},{"sentences":[{"text":"It doesn't matter.","start":933.515,"end":934.495,"sentiment":"neutral","sentiment_score":0.00895919743925333},{"text":"Alright.","start":934.955,"end":935.355,"sentiment":"neutral","sentiment_score":0.07594239711761475},{"text":"Well, let's just keep it sort of same time, and let's go that 11:11AM on Thursday the fourteenth.","start":935.355,"end":943.055,"sentiment":"neutral","sentiment_score":0.06895716240008672},{"text":"Perfect.","start":946.34,"end":946.84,"sentiment":"positive","sentiment_score":0.6437239646911621},{"text":"Alright.","start":947.22003,"end":947.62,"sentiment":"positive","sentiment_score":0.5338208079338074}],"sentiment":"neutral","sentiment_score":0.10506640355257939,"num_words":24,"start":933.515,"end":947.62},{"sentences":[{"text":"I will book that in now.","start":947.62,"end":950.2,"sentiment":"positive","sentiment_score":0.4998178581396739},{"text":"So that way, Jack can give you a call, go through that pal application, and and get that all done for you.","start":950.5,"end":959.615,"sentiment":"positive","sentiment_score":0.5294281352650035},{"text":"Alright?","start":959.615,"end":960.115,"sentiment":"positive","sentiment_score":0.3476104140281677},{"text":"Perfect.","start":961.855,"end":962.355,"sentiment":"positive","sentiment_score":0.5837633609771729},{"text":"If you have any questions between, like, now and then with regards to the documents, feel free to email.","start":962.89496,"end":967.555,"sentiment":"neutral","sentiment_score":0.2049676156357715}],"sentiment":"positive","sentiment_score":0.3973894815663902,"num_words":49,"start":947.62,"end":967.555},{"sentences":[{"text":"But, otherwise, you're more than welcome to obviously ask Jack when you when you get to that point.","start":967.855,"end":971.85,"sentiment":"neutral","sentiment_score":0.30928414894474876},{"text":"So if you're able to look over those documents that I've emailed you and then sign them and get them back, that way I can get that investment change happening on your account, and and we can get that all implemented for you.","start":972.32996,"end":985.575,"sentiment":"positive","sentiment_score":0.38426660105239513},{"text":"Yeah.","start":988.455,"end":988.955,"sentiment":"neutral","sentiment_score":0.27928605675697327},{"text":"Fantastic.","start":989.815,"end":990.315,"sentiment":"positive","sentiment_score":0.6405553221702576},{"text":"Did you have any other questions at all?","start":990.375,"end":992.235,"sentiment":"neutral","sentiment_score":0.21938886865973473}],"sentiment":"positive","sentiment_score":0.3488102937248391,"num_words":71,"start":967.855,"end":992.235},{"sentences":[{"text":"Alright.","start":994.53503,"end":995.03503,"sentiment":"neutral","sentiment_score":0.18680763244628903},{"text":"Perfect.","start":995.09503,"end":995.59503,"sentiment":"positive","sentiment_score":0.4932677447795868},{"text":"No.","start":1004.15,"end":1004.55005,"sentiment":"neutral","sentiment_score":-0.022208034992218018},{"text":"Excellent.","start":1004.55005,"end":1005.05005,"sentiment":"positive","sentiment_score":0.3493043780326843},{"text":"Well, I will let you go finish rebuilding the motor.","start":1005.11005,"end":1008.25,"sentiment":"neutral","sentiment_score":0.12208763509988785}],"sentiment":"neutral","sentiment_score":0.1591462908046586,"num_words":14,"start":994.53503,"end":1008.25},{"sentences":[{"text":"Are we about to drop it back in, or are we still we've pulled it out completely?","start":1009.925,"end":1014.185,"sentiment":"neutral","sentiment_score":0.006040860926184584},{"text":"Fair.","start":1018.565,"end":1019.065,"sentiment":"neutral","sentiment_score":0.02516542747616768},{"text":"Well, I've rebuilt one motor, and that was because I cracked the head in it, and it was like an old '94 Corolla.","start":1020.485,"end":1025.225,"sentiment":"neutral","sentiment_score":-0.13347976460405017},{"text":"And I can say that it was kind of fun, to be honest.","start":1025.75,"end":1029.8301,"sentiment":"neutral","sentiment_score":0.29538102791859555},{"text":"It's been a a good couple of decades since I've had a chance to get my hands into a car and, you know, do all the things.","start":1029.8301,"end":1038.4249,"sentiment":"neutral","sentiment_score":0.01198347292288586}],"sentiment":"neutral","sentiment_score":0.015078180360343352,"num_words":81,"start":1009.925,"end":1038.4249},{"sentences":[{"text":"I used I used to service it myself, replace the shocks a couple times.","start":1038.8849,"end":1042.9049,"sentiment":"neutral","sentiment_score":-0.027898802688079222},{"text":"Yeah.","start":1045.445,"end":1045.6849,"sentiment":"neutral","sentiment_score":-0.0629073828458786},{"text":"I had to do two engine rebuilds because it turns out that all of the water pipes were absolutely cracked through it because, you know, it was a it it was a 20 year old car and took it to the mechanic, and they were like, no.","start":1045.6849,"end":1056.9501,"sentiment":"neutral","sentiment_score":-0.19995175761745332},{"text":"You're you're flogging it.","start":1056.9501,"end":1058.0701,"sentiment":"neutral","sentiment_score":-0.32534443587064743},{"text":"It's your fault.","start":1058.0701,"end":1058.63,"sentiment":"neutral","sentiment_score":-0.2829098602135976}],"sentiment":"neutral","sentiment_score":-0.173932326849604,"num_words":69,"start":1038.8849,"end":1058.63},{"sentences":[{"text":"It's your fault.","start":1058.63,"end":1059.53,"sentiment":"neutral","sentiment_score":-0.23419577380021414},{"text":"And I ended up pulling it all apart, finding all the cracked pipe hoses in it, and realized what had gone wrong and decided I didn't I didn't trust, yeah, decided I didn't trust anyone and did it myself.","start":1060.7101,"end":1071.605,"sentiment":"neutral","sentiment_score":-0.22101156069682196},{"text":"A little bit much.","start":1082.7201,"end":1083.6001,"sentiment":"neutral","sentiment_score":-0.04233209043741226},{"text":"Yeah.","start":1083.6001,"end":1084.1001,"sentiment":"neutral","sentiment_score":-0.015940122306346893},{"text":"No.","start":1084.3201,"end":1084.48,"sentiment":"neutral","sentiment_score":-0.07911977916955948}],"sentiment":"neutral","sentiment_score":-0.19971721774588028,"num_words":48,"start":1058.63,"end":1084.48},{"sentences":[{"text":"That's fair.","start":1084.48,"end":1085.3,"sentiment":"neutral","sentiment_score":-0.049732934683561325},{"text":"Yeah.","start":1094.9751,"end":1095.4751,"sentiment":"neutral","sentiment_score":-0.03333659842610359},{"text":"Oh, so not not too bad.","start":1096.175,"end":1098.435,"sentiment":"neutral","sentiment_score":-0.09061192472775777},{"text":"Yeah.","start":1103.95,"end":1104.45,"sentiment":"neutral","sentiment_score":-0.20371457934379575},{"text":"No.","start":1105.5499,"end":1106.0499,"sentiment":"neutral","sentiment_score":-0.21178430318832395}],"sentiment":"neutral","sentiment_score":-0.09927026351744478,"num_words":11,"start":1084.48,"end":1106.0499},{"sentences":[{"text":"No.","start":1106.9099,"end":1107.4099,"sentiment":"neutral","sentiment_score":-0.24332338571548465},{"text":"No.","start":1111.23,"end":1111.3899,"sentiment":"neutral","sentiment_score":-0.07698771357536316},{"text":"Send it below.","start":1111.3899,"end":1112.2899,"sentiment":"neutral","sentiment_score":-0.048583243042230606},{"text":"Yeah.","start":1115.965,"end":1116.2849,"sentiment":"neutral","sentiment_score":0.00522976741194725},{"text":"I would.","start":1116.2849,"end":1116.9249,"sentiment":"neutral","sentiment_score":0.05141248553991318}],"sentiment":"neutral","sentiment_score":-0.04475076124072075,"num_words":8,"start":1106.9099,"end":1116.9249},{"sentences":[{"text":"Definitely.","start":1116.9249,"end":1117.4249,"sentiment":"neutral","sentiment_score":0.19645345211029053},{"text":"No.","start":1121.725,"end":1122.225,"sentiment":"neutral","sentiment_score":-0.07545900344848633},{"text":"Well, I will leave you to it.","start":1123.325,"end":1125.245,"sentiment":"neutral","sentiment_score":0.08718753978610039},{"text":"Good luck, and I hope the rebuild goes well.","start":1125.245,"end":1127.6649,"sentiment":"neutral","sentiment_score":0.19829176366329193},{"text":"But, yeah, any questions, give us a call.","start":1128.0449,"end":1130.065,"sentiment":"neutral","sentiment_score":0.12060180213302374}],"sentiment":"neutral","sentiment_score":0.13387490450762785,"num_words":26,"start":1116.9249,"end":1130.065},{"sentences":[{"text":"Absolutely.","start":1132.64,"end":1133.14,"sentiment":"positive","sentiment_score":0.7185366153717041},{"text":"No problems at all, David.","start":1133.2001,"end":1134.16,"sentiment":"positive","sentiment_score":0.6622661232948304},{"text":"You have a good one.","start":1134.16,"end":1135.22,"sentiment":"positive","sentiment_score":0.7486390471458435},{"text":"Bye.","start":1136.88,"end":1137.38,"sentiment":"neutral","sentiment_score":-0.10517512261867525}],"sentiment":"positive","sentiment_score":0.6389906120796999,"num_words":12,"start":1132.64,"end":1137.38}]}}]},{"alternatives":[{"transcript":"Hello? Des speaking. Yeah. Pretty good. That's it. Yeah. Yeah. Oh, yeah. I've been off work for well, I'll go back tomorrow, so I had seven days off. Yeah. We work seven and seven. Yeah. Yeah. Which is a which is a change because, generally, you don't. Generally, every every everyone else is on holidays, and it's like, fuck. I gotta be at work. Yep. Anyway, it's all good. Yep. Yep. Yep. It's the 1995, and my address, David John Tanza, and my address is North Strathise Street, Mount Edward, Queensland 4626. Yeah. You're fine. Yep. Yep. Yep. Yeah. Right. Yeah. Yeah. If I can. Okay. Yeah. Yep. Yeah. Yeah. No. That's all good. You guys do what you gotta do. Like like like I've sort of said to to the previous ones and stuff, like, I'm being honest with you. I I don't really think I'm ever gonna get me sleep. So, look, you yeah. Just do what you gotta do, and it it it happens to be that I get it. Like, when I'm older, yeah, beauty. But if I don't, I don't, like, so yeah. I'm not really like, I'm being honest with you. I'm not really worried about it in the sense of putting any money into it. That's that's what I've said. Like, I've said that to the said to the other ones because I've well, I can't remember who it was. Someone last year asked me about, you know, putting extra money into it, and I just said, no. I'm I'm I'm not interested in doing that, but I'm more than happy, like, if you guys whatever you, yeah, need to do to make it make it grow, whatever you gotta do, just, yeah, just do it and go for it. Yep. Yeah. And I'll I'll be in black, and I should do that. I I hate I hate paperwork, and I know I'm in the wrong business to hate paperwork, like, being in the minds, but I I absolutely hate paperwork, and that's why I'm just like, I'm over. I I don't like doing it. But, yes, I have got it from my finger and, yes, do that. Yeah. I I I probably lost some of this for me. Yeah. Yep. Yeah. That's probably not that's not bad audio. Yeah. Yeah. I'll do that. It'll cost you a bit of a year. Yeah. Right, Right. Now you're talking more. So I'm a car bloke. I love cars. That's what I'm doing at the present moment. I'm just not I'm putting a motor back together. VEGDS. No. VEGTS. Yeah. Yes. Yeah. We we did a little bit of damage sort of rocking that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Just a just a few few little bit of damage. Just a nothing made and made, but I'm after make it upset. Yeah. Yeah. No. Yeah. Oh, I I still got a mortgage and working and all that. Yep. Yep. It let me get whether the thirteenth or the fifteenth of the fifth. It's this month or not that. '81. Shit. Shit. Facebook's got it. Yeah. Thirteenth to the fifth 81. Yep. Yep. Yeah. Yeah. It shouldn't. Because the other because the other other bloke said to me, apparently, they pay tax on that. Yeah. Yep. Yeah. Yep. Sounds good. Yeah. Florida. Sounds good. Yeah. Till the till the when till the when the yep. Yeah. That should do. Yeah. That should work. Oh, it doesn't really matter. Nah. Yeah. Right on. Yep. Yeah. Right. No dramas at all. I can do that. No. No. I think that was pretty much it. Yeah. What I was what I needed to order, that was, yeah, that was about it. Oh, I just got my hands off at the moment. Billingales. Yep. Yeah. Yeah. Go from there and pick it back up. That's it. That's exactly it. That's why I am yeah. I do most of my work now. So except tune it because it's like yeah. I don't. Yeah. Oh, well, I spent 35 on this motor and yeah. And then we've got broken valve springs and bent valves and yeah. And then no. But in a set of brand new heads, what just got put on it, so I'm not very happy. You spent $5.05 grand on a set of heads and the and then he he take them back. They're stuffed. Yeah. But, anyway, it's all good. No. Damn it. Yep. No worries then. All good. Thank you. All day. 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Des speaking. Yeah. Pretty good. That's it.\n\nYeah. Yeah. Oh, yeah. I've been off work for well, I'll go back tomorrow, so I had seven days off. Yeah.\n\nWe work seven and seven. Yeah. Yeah. Which is a which is a change because, generally, you don't. Generally, every every everyone else is on holidays, and it's like, fuck.\n\nI gotta be at work. Yep. Anyway, it's all good. Yep. Yep.\n\nYep. It's the 1995, and my address, David John Tanza, and my address is North Strathise Street, Mount Edward, Queensland 4626. Yeah. You're fine. Yep.\n\nYep. Yep. Yeah. Right. Yeah.\n\nYeah. If I can. Okay. Yeah. Yep.\n\nYeah. Yeah. No. That's all good. You guys do what you gotta do.\n\nLike like like I've sort of said to to the previous ones and stuff, like, I'm being honest with you. I I don't really think I'm ever gonna get me sleep. So, look, you yeah. Just do what you gotta do, and it it it happens to be that I get it. Like, when I'm older, yeah, beauty.\n\nBut if I don't, I don't, like, so yeah. I'm not really like, I'm being honest with you. I'm not really worried about it in the sense of putting any money into it. That's that's what I've said. Like, I've said that to the said to the other ones because I've well, I can't remember who it was.\n\nSomeone last year asked me about, you know, putting extra money into it, and I just said, no. I'm I'm I'm not interested in doing that, but I'm more than happy, like, if you guys whatever you, yeah, need to do to make it make it grow, whatever you gotta do, just, yeah, just do it and go for it. Yep. Yeah. And I'll I'll be in black, and I should do that.\n\nI I hate I hate paperwork, and I know I'm in the wrong business to hate paperwork, like, being in the minds, but I I absolutely hate paperwork, and that's why I'm just like, I'm over. I I don't like doing it. But, yes, I have got it from my finger and, yes, do that. Yeah. I I I probably lost some of this for me.\n\nYeah. Yep. Yeah. That's probably not that's not bad audio. Yeah.\n\nYeah. I'll do that. It'll cost you a bit of a year. Yeah. Right, Right.\n\nNow you're talking more. So I'm a car bloke. I love cars. That's what I'm doing at the present moment. I'm just not I'm putting a motor back together.\n\nVEGDS. No. VEGTS. Yeah. Yes.\n\nYeah. We we did a little bit of damage sort of rocking that. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Just a just a few few little bit of damage. Just a nothing made and made, but I'm after make it upset. Yeah. Yeah.\n\nNo. Yeah. Oh, I I still got a mortgage and working and all that. Yep. Yep.\n\nIt let me get whether the thirteenth or the fifteenth of the fifth. It's this month or not that. '81. Shit. Shit.\n\nFacebook's got it. Yeah. Thirteenth to the fifth 81. Yep. Yep.\n\nYeah. Yeah. It shouldn't. Because the other because the other other bloke said to me, apparently, they pay tax on that. Yeah.\n\nYep. Yeah. Yep. Sounds good. Yeah.\n\nFlorida. Sounds good. Yeah. Till the till the when till the when the yep. Yeah.\n\nThat should do. Yeah. That should work. Oh, it doesn't really matter. Nah.\n\nYeah. Right on. Yep. Yeah. Right.\n\nNo dramas at all. I can do that. No. No. I think that was pretty much it.\n\nYeah. What I was what I needed to order, that was, yeah, that was about it. Oh, I just got my hands off at the moment. Billingales. Yep.\n\nYeah. Yeah. Go from there and pick it back up. That's it. That's exactly it.\n\nThat's why I am yeah. I do most of my work now. So except tune it because it's like yeah. I don't. Yeah.\n\nOh, well, I spent 35 on this motor and yeah. And then we've got broken valve springs and bent valves and yeah. And then no. But in a set of brand new heads, what just got put on it, so I'm not very happy. You spent $5.05 grand on a set of heads and the and then he he take them back.\n\nThey're stuffed. Yeah. But, anyway, it's all good. No. Damn it.\n\nYep. No worries then. All good. Thank you. All day.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.013142700307071207},{"text":"Des speaking.","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.01925704162567854},{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.38775378465652466},{"text":"Pretty good.","start":7.12,"end":7.94,"sentiment":"positive","sentiment_score":0.640757828950882},{"text":"That's it.","start":11.92,"end":12.615,"sentiment":"neutral","sentiment_score":0.06700846552848816}],"sentiment":"neutral","sentiment_score":0.23186789464671165,"num_words":8,"start":1.4399999,"end":12.615},{"sentences":[{"text":"Yeah.","start":17.974998,"end":18.215,"sentiment":"neutral","sentiment_score":0.034428637474775314},{"text":"Yeah.","start":18.215,"end":18.615,"sentiment":"neutral","sentiment_score":0.04020613059401512},{"text":"Oh, 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on.","start":944.17,"end":944.81,"sentiment":"neutral","sentiment_score":0.13902483880519867},{"text":"Yep.","start":944.81,"end":945.135,"sentiment":"neutral","sentiment_score":0.31516793370246887},{"text":"Yeah.","start":986.10004,"end":986.34,"sentiment":"neutral","sentiment_score":0.15193895995616913},{"text":"Right.","start":986.34,"end":986.66003,"sentiment":"neutral","sentiment_score":0.1393977552652359}],"sentiment":"neutral","sentiment_score":0.16391477485497793,"num_words":6,"start":943.85,"end":986.66003},{"sentences":[{"text":"No dramas at all.","start":986.66003,"end":988.02,"sentiment":"neutral","sentiment_score":0.08941368944942951},{"text":"I can do that.","start":988.02,"end":989.0,"sentiment":"neutral","sentiment_score":0.20846492424607277},{"text":"No.","start":993.06,"end":993.46,"sentiment":"neutral","sentiment_score":-0.01599961146712303},{"text":"No.","start":993.46,"end":993.96,"sentiment":"neutral","sentiment_score":0.022553542628884315},{"text":"I think that was pretty much it.","start":994.66003,"end":996.9,"sentiment":"positive","sentiment_score":0.41394296288490295}],"sentiment":"neutral","sentiment_score":0.24092171330224066,"num_words":17,"start":986.66003,"end":996.9},{"sentences":[{"text":"Yeah.","start":996.9,"end":997.4,"sentiment":"neutral","sentiment_score":0.08322304487228394},{"text":"What I was what I needed to order, that was, yeah, that was about it.","start":998.075,"end":1003.615,"sentiment":"neutral","sentiment_score":-0.03955037208894888},{"text":"Oh, I just got my hands off at the moment.","start":1014.42,"end":1016.18,"sentiment":"neutral","sentiment_score":-0.10213824436068535},{"text":"Billingales.","start":1016.18,"end":1016.68,"sentiment":"neutral","sentiment_score":-0.02029992640018463},{"text":"Yep.","start":1019.77997,"end":1020.27997,"sentiment":"neutral","sentiment_score":0.02271516434848309}],"sentiment":"neutral","sentiment_score":-0.05460713364716087,"num_words":28,"start":996.9,"end":1020.27997},{"sentences":[{"text":"Yeah.","start":1037.7301,"end":1038.2301,"sentiment":"neutral","sentiment_score":-0.014442253857851028},{"text":"Yeah.","start":1066.62,"end":1067.12,"sentiment":"neutral","sentiment_score":-0.14356598258018494},{"text":"Go from there and pick it back up.","start":1067.34,"end":1069.2,"sentiment":"neutral","sentiment_score":-0.25148752331733704},{"text":"That's it.","start":1072.06,"end":1072.54,"sentiment":"neutral","sentiment_score":-0.09299319609999657},{"text":"That's exactly it.","start":1072.54,"end":1073.5,"sentiment":"neutral","sentiment_score":-0.01669417756299178}],"sentiment":"neutral","sentiment_score":-0.16039848985771338,"num_words":15,"start":1037.7301,"end":1073.5},{"sentences":[{"text":"That's why I am yeah.","start":1073.5,"end":1075.02,"sentiment":"neutral","sentiment_score":-0.006407836824655533},{"text":"I do most of my work now.","start":1075.02,"end":1076.88,"sentiment":"neutral","sentiment_score":0.024011684847729548},{"text":"So except tune it because it's like yeah.","start":1076.9401,"end":1081.705,"sentiment":"neutral","sentiment_score":-0.052085302071645856},{"text":"I don't.","start":1081.925,"end":1082.505,"sentiment":"neutral","sentiment_score":-0.11398613452911377},{"text":"Yeah.","start":1082.805,"end":1083.305,"sentiment":"neutral","sentiment_score":-0.030454121530056}],"sentiment":"neutral","sentiment_score":-0.023437660754374836,"num_words":23,"start":1073.5,"end":1083.305},{"sentences":[{"text":"Oh, well, I spent 35 on this motor and yeah.","start":1085.205,"end":1089.945,"sentiment":"neutral","sentiment_score":-0.05776426680386067},{"text":"And then we've got broken valve springs and bent valves and yeah.","start":1090.405,"end":1094.22,"sentiment":"neutral","sentiment_score":-0.08758659288287163},{"text":"And then no.","start":1096.22,"end":1099.58,"sentiment":"neutral","sentiment_score":-0.079902783036232},{"text":"But in a set of brand new heads, what just got put on it, so I'm not very happy.","start":1099.58,"end":1104.72,"sentiment":"neutral","sentiment_score":-0.22405847907066345},{"text":"You spent $5.05 grand on a set of heads and the and then he he take them back.","start":1106.46,"end":1113.855,"sentiment":"neutral","sentiment_score":-0.15679062778751054}],"sentiment":"neutral","sentiment_score":-0.14431826668160577,"num_words":62,"start":1085.205,"end":1113.855},{"sentences":[{"text":"They're stuffed.","start":1113.855,"end":1114.595,"sentiment":"negative","sentiment_score":-0.4788610190153122},{"text":"Yeah.","start":1118.415,"end":1118.915,"sentiment":"neutral","sentiment_score":0.17241576313972473},{"text":"But, anyway, it's all good.","start":1118.975,"end":1120.515,"sentiment":"neutral","sentiment_score":0.3194688603281975},{"text":"No.","start":1125.68,"end":1125.92,"sentiment":"neutral","sentiment_score":-0.008340533822774887},{"text":"Damn it.","start":1125.92,"end":1126.66,"sentiment":"neutral","sentiment_score":-0.006890425458550453}],"sentiment":"neutral","sentiment_score":0.07181060381911018,"num_words":11,"start":1113.855,"end":1126.66},{"sentences":[{"text":"Yep.","start":1130.2749,"end":1130.5149,"sentiment":"neutral","sentiment_score":0.16782817244529724},{"text":"No worries then.","start":1130.5149,"end":1131.2349,"sentiment":"neutral","sentiment_score":0.305692861477534},{"text":"All good.","start":1131.2349,"end":1131.6349,"sentiment":"positive","sentiment_score":0.6200678646564484},{"text":"Thank you.","start":1131.6349,"end":1132.2949,"sentiment":"positive","sentiment_score":0.7855629026889801},{"text":"All day.","start":1135.3148,"end":1135.7949,"sentiment":"positive","sentiment_score":0.5154262483119965}],"sentiment":"positive","sentiment_score":0.4927020788192749,"num_words":10,"start":1130.2749,"end":1135.7949},{"sentences":[{"text":"Bye.","start":1135.7949,"end":1136.2949,"sentiment":"positive","sentiment_score":0.3338768184185028}],"sentiment":"positive","sentiment_score":0.3338768184185028,"num_words":1,"start":1135.7949,"end":1136.2949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Des speaking.\n\nChannel 0: Hi, David. Larissa here from OQ Financial. How are you going?\n\nChannel 1: Yeah. Pretty good.\n\nChannel 0: That's good. Can't complain for a Tuesday.\n\nChannel 1: That's it.\n\nChannel 0: Did you have the luxury of having yesterday off with a public holiday?\n\nChannel 1: Yeah. Yeah. Oh, yeah. I've been off work for well, I'll go back tomorrow, so I had seven days off.\n\nChannel 0: Half your luck. That's pretty half decent amount of time off.\n\nChannel 1: Yeah. We work seven and seven.\n\nChannel 0: Fair. Of course. Of course. You do. Well, that's good.\n\nYou got to enjoy the public holiday with everyone off as well.\n\nChannel 1: Yeah. Yeah. Which is a which is a change because, generally, you don't. Generally,\n\nChannel 0: No. You\n\nChannel 1: every every everyone else is on holidays, and it's like, fuck. I gotta be at work.\n\nChannel 0: oh, why is are you stuck stuck doing the doing the hard yakko while everyone else is off enjoying themselves?\n\nChannel 1: Yep. Anyway, it's all good.\n\nChannel 0: Good. I was giving you a call today so I could go through and present to you the recommendations and the advice following your discussions with my colleague, Janice, late last year, early this year.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to complete security for me, just full name, date of birth, and address.\n\nChannel 1: Yep. It's the 1995, and my address, David John Tanza, and my address is North Strathise Street, Mount Edward, Queensland 4626.\n\nChannel 0: Fantastic. You say that like you've said it before.\n\nChannel 1: Yeah. You're fine.\n\nChannel 0: Now the basically, what I was sort of, I guess, calling for was to kinda go through where you're at and where, like, we wanna sort of, I guess, alter things to to put you into a little bit of a better position. So when you spoke with Dennis, you guys discussed increasing your insurance from where it currently sits up to that sort of $2,000,000 mark. We\n\nChannel 1: Yep.\n\nChannel 0: did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit. But you sit just below 1.2 mil. So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider. Tal actually provides you with the best service in terms of your occupation. Not a lot of other providers were gonna give us their those decent rates and keep you, you know, with with a benefit that's befitting your occupation because you're sort of in that mine and that you're in that mining sector.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, I have to be, you know, aware of of making sure that we're keeping you covered to the same definition that you currently hold. Because with with your total permanent disability, there are definitions that are lesser than what you currently hold, and we wouldn't wanna, you know, replace your your current benefit with something less than. So the best outcome for your insurance to move it up into that $2,000,000 mark is actually to just increase your current policy. It still requires, like, an up like, application with TAO, but it means that your current benefit doesn't become affected, and that new benefit just basically gets added on to the actual policy. So going from, you know, 1.187489 and 10¢ over to the 2,000,000 does obviously increase the premiums that little bit.\n\nBut you go from basically net per annum is 1,439 over to 2,344. So it's not an astronomically large difference, you know, sort of $900 sort of difference between the two premiums,\n\nChannel 1: Yep.\n\nChannel 0: but you're gonna have that $2,000,000 worth of cover for the life and the total permanent disability benefit.\n\nChannel 1: Yeah. Right.\n\nChannel 0: That's still in line with what you wanted to do? You still wanted to go ahead with that 2,000,000?\n\nChannel 1: Yeah. Yeah. If I can.\n\nChannel 0: Yeah. Yeah. Yeah. Absolutely. Perfect.\n\nSo that that that part and parcel of what the recommendation was. So we did quite extensive research into, you know, seeing whether there were other providers. Tel still gonna hit the nail on the head there. The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is. But you came out as a high growth investor, so you have plenty of time left on the market before you're looking to access the funds, and you're sort of, you know, willing to take a little bit of that that volatile risk.\n\nNot too too much, but still willing to take that little bit of risk. So we've just kind of realigned the portfolio. When we've realigned it, we've actually we've taken it into consideration any potential, like, capital gains tax that would be applicable in moving, but we've also looked at trying to make the overall portfolio cost less for you as well. So looking at some of the sort of cheaper assets that we could invest in. So that way, you know, you're not paying a lot of money for assets, you know, or or or stocks and shares that you're investing in.\n\nWe were able to cut the price on your investments down quite considerably, which is good. So we're we're saving a bit of money there from from your actual investment fee on your account. So about $260 a year. So that's a bit of\n\nChannel 1: Okay.\n\nChannel 0: a\n\nChannel 1: Yeah.\n\nChannel 0: savings in your back pocket. And, historically, the the performance of the funds that we're we're moving you into have done about 6% better historically over a rolling three year average. So we've got a better performance history on our on our side as well. And we're just sort of removing some of those underlying funds like the Bennelong Australian asset. It's a that that fund is a managed fund, and the fund's manager, Bennelong, have a really high conviction in the assets that they've chosen.\n\nAnd, unfortunately, the assets or the stocks and shares that they're invested in just aren't really pulling their weight, and Bennelong aren't willing to make any massive changes to the fund. They're basically standing behind the the decisions they've made, and they're not sort of tweaking it as the market's changing. As you\n\nChannel 1: Yep.\n\nChannel 0: know, the market moves, the market changes, and we need to be a little bit fluid with it. But Bennelong aren't willing to kinda change their their their funds or that fund\n\nChannel 1: Yeah.\n\nChannel 0: specifically to keep up with the time. So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading. Because, again, the market does move and change, and we have to keep up with it as we as we roll along.\n\nChannel 1: Yeah. No. That's all good. You guys do what you gotta do. Like like like I've sort of said to to the previous ones and stuff, like, I'm being honest with you.\n\nI\n\nChannel 0: Yeah.\n\nChannel 1: I don't really think I'm ever gonna get me sleep. So, look, you yeah. Just do what you gotta do, and it it it happens to be that I get it. Like, when I'm older, yeah, beauty. But if I don't, I don't, like, so yeah.\n\nI'm not\n\nChannel 0: Okay.\n\nChannel 1: really like, I'm being honest with you. I'm not really worried about it in the sense of putting any money into it. That's that's what I've said. Like, I've said that to the said to the other ones because I've well, I can't remember who it was. Someone last year asked me about, you know, putting extra money into it, and I just said, no.\n\nChannel 0: No.\n\nChannel 1: I'm I'm\n\nChannel 0: No.\n\nChannel 1: I'm not interested in doing that, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm more than happy, like, if you guys whatever you, yeah, need to do to make it make it grow, whatever you gotta do, just, yeah, just do it and go for it.\n\nChannel 0: Okay. No. Perfect. Well, I've emailed you with, like, the statement of advice document that basically details the advice. So it outlines those two major recommendations for the the change to your underlying investments and also the increase to your life insurance\n\nChannel 1: Yep.\n\nChannel 0: policy. Outside of that, the one thing I did, I guess, wanna raise with you was that currently your super fund doesn't have a beneficiary nomination on it, which\n\nChannel 1: Yeah.\n\nChannel 0: means\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: I'll\n\nChannel 0: it\n\nChannel 1: I'll\n\nChannel 0: in\n\nChannel 1: be in black, and I should do that.\n\nChannel 0: yeah. Just, you know, help the wife out a little bit, make sure that it's nice and easy if anything happens to you, that it's a\n\nChannel 1: I I\n\nChannel 0: easier\n\nChannel 1: hate\n\nChannel 0: application.\n\nChannel 1: I hate paperwork, and I know I'm in the wrong business to hate paperwork, like, being in the minds, but\n\nChannel 0: Yeah.\n\nChannel 1: I I absolutely hate paperwork, and that's why I'm just like, I'm over. I I don't like doing it. But, yes, I have got it from my finger and, yes, do that.\n\nChannel 0: And do it. Do you need me to send the the forms to you again?\n\nChannel 1: Yeah. I I I probably lost some of this for me.\n\nChannel 0: Yeah. That's okay. Do you want me to email them to\n\nChannel 1: Yeah. Yep.\n\nChannel 0: you? Yeah. And then you can print them. Do them at work. Force one of the guys at work to sign it as a witness for you.\n\nJust\n\nChannel 1: Yeah.\n\nChannel 0: show\n\nChannel 1: That's\n\nChannel 0: me\n\nChannel 1: probably\n\nChannel 0: the paperwork.\n\nChannel 1: not that's not bad audio. Yeah. Yeah. I'll do that.\n\nChannel 0: Perfect. Do do\n\nChannel 1: It'll\n\nChannel 0: you want\n\nChannel 1: cost\n\nChannel 0: me\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: a bit of a year.\n\nChannel 0: yeah. Exactly. Do you want me to pre fill it with, like, your wife's information so that way it's as friendly as possible?\n\nChannel 1: Yeah. Right, Right. Now you're talking more. So\n\nChannel 0: Yeah. I got you. I get it.\n\nChannel 1: I'm a car bloke. I love cars. That's what I'm doing at the present moment. I'm just not I'm putting a motor back together.\n\nChannel 0: Oh, beautiful. What car are you playing with?\n\nChannel 1: VEGDS.\n\nChannel 0: V g t\n\nChannel 1: No.\n\nChannel 0: s. Oh, as v e.\n\nChannel 1: VEGTS. Yeah.\n\nChannel 0: Oh, okay. Nice. You gotta hold him.\n\nChannel 1: Yes.\n\nChannel 0: Lovely. Rebuilding the motor? Or\n\nChannel 1: Yeah. We we did a little bit of damage sort of rocking that.\n\nChannel 0: oh, you I have another client that was out at the Rocky Nats last week as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: you were racing, were you?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: love.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So what did\n\nChannel 1: Yeah.\n\nChannel 0: we do to\n\nChannel 1: Yeah.\n\nChannel 0: the motor?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Just a just a few few little bit of damage.\n\nJust a nothing made and made, but I'm after make it upset.\n\nChannel 0: Yeah. Just plugged it too hard, I assume.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh, nothing wrong with that. As\n\nChannel 1: No.\n\nChannel 0: long as you had fun and you're willing to\n\nChannel 1: Yeah.\n\nChannel 0: put the labor into fixing it.\n\nChannel 1: Oh, I I still got a mortgage and working and all that.\n\nChannel 0: That's it. Now just to confirm, like, your wife's name's Suzanne, it is s u z a n n e?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And do you know her date of birth?\n\nChannel 1: It let me get whether the thirteenth or the fifteenth of the fifth. It's this month or not that. '81. Shit. Shit.\n\nFacebook's got it.\n\nChannel 0: Where would we be without Facebook?\n\nChannel 1: Yeah. Thirteenth to the fifth 81.\n\nChannel 0: 13581. Perfect. And she lives at the same house as yourself, and\n\nChannel 1: Yep.\n\nChannel 0: she shares the last name with you.\n\nChannel 1: Yep.\n\nChannel 0: I will fill that all out. Now I am recommending that you do nominate her as a 100% whilst you do have\n\nChannel 1: Yeah.\n\nChannel 0: the three\n\nChannel 1: Yeah. It shouldn't. Because\n\nChannel 0: littlers.\n\nChannel 1: the other because the other other bloke said to me, apparently, they pay tax on that.\n\nChannel 0: When they get when they get older, they do. Like, while they're young, realistically like, while they're tax dependents, all you're doing is forcing your wife to have to fill out four times the amount of paperwork that she would otherwise have to fill out to basically get the money. Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax. Whereas your wife will never pay a cent of tax\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: Yep.\n\nChannel 0: on benefit because she'll always be a tax dependent being your wife. And, realistically, she's gonna use the money to look after your kids anyway. So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy. Just nominate nominate her and keep the paperwork to a minimum.\n\nChannel 1: Yeah. Yep. Sounds good.\n\nChannel 0: Perfect. So I'll fill out the documents. I'll email them through to you. And and that way, you just print them out while you're at work, sign it in front of two of the guys, get them to sign it. Everyone dates it on the same date.\n\nYou can't witness a document if we're dating on three separate dates to make sure it's all\n\nChannel 1: Yeah.\n\nChannel 0: dated the same. And so long as your wife is not a a witness, which if you're doing it at work, she's not going to be, then we're all good.\n\nChannel 1: Florida. Sounds good.\n\nChannel 0: Perfect. So I will email them to you. And then outside of that, I sent you an email with the documents. So once you sign those documents, we can organize to get that application done where my colleague, Jack, would basically give you a call and run through the personal statement for the, the increase. Now, obviously, today is your last day before you go on swing.\n\nSo I'm assuming you're on swing from, basically, the fifth until the eleventh, twelfth.\n\nChannel 1: Yeah. Till\n\nChannel 0: Oh, sorry.\n\nChannel 1: the\n\nChannel 0: '6\n\nChannel 1: till\n\nChannel 0: to\n\nChannel 1: the when till the when the\n\nChannel 0: okay. So six till the thirteenth.\n\nChannel 1: yep.\n\nChannel 0: Alright. So how about would the fourteenth or fifteenth, so that's a Thursday, Friday, work for you? I know that that generally works pretty well for for Jack being able to sort of do those applications later in the week.\n\nChannel 1: Yeah. That should do. Yeah. That should work.\n\nChannel 0: Alright. Let me just bring up his calendar so I can just confirm what his availability is. You've pretty much, they got free reign. So on that Thursday, Friday, what do you have a sort of best time?\n\nChannel 1: Oh, it doesn't really matter. Nah.\n\nChannel 0: No. It doesn't matter. Alright. Well, let's just keep it sort of same time, and let's go that 11:11AM on Thursday the fourteenth.\n\nChannel 1: Yeah. Right on. Yep.\n\nChannel 0: Perfect. Alright. I will book that in now. So that way, Jack can give you a call, go through that pal application, and and get that all done for you. Alright?\n\nPerfect. If you have any questions between, like, now and then with regards to the documents, feel free to email. But, otherwise, you're more than welcome to obviously ask Jack when you when you get to that point. So if you're able to look over those documents that I've emailed you and then sign them and get them back, that way I can get that investment change happening on your account, and and we can get that all implemented for you.\n\nChannel 1: Yeah. Right. No dramas at all. I can do\n\nChannel 0: Yeah.\n\nChannel 1: that.\n\nChannel 0: Fantastic. Did you have any other questions at all?\n\nChannel 1: No. No.\n\nChannel 0: Alright.\n\nChannel 1: I think\n\nChannel 0: Perfect.\n\nChannel 1: that was pretty much it. Yeah. What I was what I needed to order, that was, yeah, that was about it.\n\nChannel 0: No. Excellent. Well, I will let you go finish rebuilding the motor. Are we about to drop it back in, or are we still we've pulled it out completely?\n\nChannel 1: Oh, I just got my hands off at the moment. Billingales.\n\nChannel 0: Fair.\n\nChannel 1: Yep.\n\nChannel 0: Well, I've rebuilt one motor, and that was because I cracked the head in it, and it was like an old '94 Corolla. And I can say that it was kind of fun, to be honest. It's been a a good couple of decades since I've had a chance to get my hands into a car and, you know, do\n\nChannel 1: Yeah.\n\nChannel 0: all the things. I used I used to service it myself, replace the shocks a couple times. Yeah. I had to do two engine rebuilds because it turns out that all of the water pipes were absolutely cracked through it because, you know, it was a it it was a 20 year old car and took it to the mechanic, and they were like, no. You're you're flogging it.\n\nIt's your fault. It's your fault. And I ended up pulling it all apart, finding all the cracked pipe hoses in it, and realized what had gone wrong and\n\nChannel 1: Yeah. Go from\n\nChannel 0: decided\n\nChannel 1: there\n\nChannel 0: I\n\nChannel 1: and\n\nChannel 0: didn't\n\nChannel 1: pick it back\n\nChannel 0: I didn't\n\nChannel 1: up.\n\nChannel 0: trust, yeah, decided I didn't trust anyone and did it myself.\n\nChannel 1: That's it. That's exactly it. That's why I am yeah. I do most of my work now. So except tune it because it's like yeah.\n\nI don't.\n\nChannel 0: A\n\nChannel 1: Yeah.\n\nChannel 0: little bit much. Yeah. No. That's fair.\n\nChannel 1: Oh, well, I spent 35 on this motor and yeah. And then we've got broken valve springs and bent valves and yeah.\n\nChannel 0: Yeah. Oh,\n\nChannel 1: And\n\nChannel 0: so\n\nChannel 1: then\n\nChannel 0: not not too bad.\n\nChannel 1: no. But in a set of brand new heads, what just got put on it, so I'm not very\n\nChannel 0: Yeah.\n\nChannel 1: happy.\n\nChannel 0: No.\n\nChannel 1: You spent\n\nChannel 0: No.\n\nChannel 1: $5.05 grand on a set of heads and the and\n\nChannel 0: No.\n\nChannel 1: then\n\nChannel 0: Send it below.\n\nChannel 1: he he take them back. They're stuffed.\n\nChannel 0: Yeah. I would. Definitely.\n\nChannel 1: Yeah. But, anyway, it's all good.\n\nChannel 0: No. Well, I will leave you to it. Good luck,\n\nChannel 1: No.\n\nChannel 0: and I\n\nChannel 1: Damn\n\nChannel 0: hope\n\nChannel 1: it.\n\nChannel 0: the rebuild goes well. But, yeah, any questions, give us a call.\n\nChannel 1: Yep. No worries then. All good. Thank you.\n\nChannel 0: Absolutely. No problems at all, David. You have a good one.\n\nChannel 1: All day. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.013142700307071207},{"text":"Des speaking.","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.01925704162567854}],"sentiment":"neutral","sentiment_score":0.01721892785280943,"channel":1,"num_words":3,"start":1.4399999,"end":2.6599998},{"sentences":[{"text":"Hi, David.","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.12404650449752808},{"text":"Larissa here from OQ Financial.","start":4.3199997,"end":5.68,"sentiment":"neutral","sentiment_score":0.14838375747203827},{"text":"How are you going?","start":5.68,"end":6.58,"sentiment":"neutral","sentiment_score":0.19307153671979904}],"sentiment":"neutral","sentiment_score":0.16020890393040396,"channel":0,"num_words":11,"start":3.28,"end":6.58},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.38775378465652466},{"text":"Pretty good.","start":7.12,"end":7.94,"sentiment":"positive","sentiment_score":0.640757828950882}],"sentiment":"positive","sentiment_score":0.5564231475194296,"channel":1,"num_words":3,"start":6.8799996,"end":7.94},{"sentences":[{"text":"That's good.","start":8.559999,"end":9.36,"sentiment":"positive","sentiment_score":0.6730051040649414},{"text":"Can't complain for a Tuesday.","start":9.36,"end":10.98,"sentiment":"neutral","sentiment_score":0.20349866151809692}],"sentiment":"positive","sentiment_score":0.33764335938862394,"channel":0,"num_words":7,"start":8.559999,"end":10.98},{"sentences":[{"text":"That's it.","start":11.92,"end":12.615,"sentiment":"neutral","sentiment_score":0.06700846552848816}],"sentiment":"neutral","sentiment_score":0.06700846552848816,"channel":1,"num_words":2,"start":11.92,"end":12.615},{"sentences":[{"text":"Did you have the luxury of having yesterday off with a public holiday?","start":12.975,"end":17.075,"sentiment":"neutral","sentiment_score":0.032901705171053224}],"sentiment":"neutral","sentiment_score":0.032901705171053224,"channel":0,"num_words":13,"start":12.975,"end":17.075},{"sentences":[{"text":"Yeah.","start":17.974998,"end":18.215,"sentiment":"neutral","sentiment_score":0.034428637474775314},{"text":"Yeah.","start":18.215,"end":18.615,"sentiment":"neutral","sentiment_score":0.04020613059401512},{"text":"Oh, yeah.","start":18.615,"end":19.275,"sentiment":"neutral","sentiment_score":0.055513884872198105},{"text":"I've been off work for well, I'll go back tomorrow, so I had seven days off.","start":20.135,"end":24.72,"sentiment":"neutral","sentiment_score":0.030094344285316765}],"sentiment":"neutral","sentiment_score":0.033358602318912745,"channel":1,"num_words":20,"start":17.974998,"end":24.72},{"sentences":[{"text":"Half your luck.","start":26.27,"end":28.37,"sentiment":"neutral","sentiment_score":0.13377453883488974},{"text":"That's pretty half decent amount of time off.","start":28.67,"end":31.490002,"sentiment":"neutral","sentiment_score":0.11530382558703423}],"sentiment":"neutral","sentiment_score":0.12034129283644936,"channel":0,"num_words":11,"start":26.27,"end":31.490002},{"sentences":[{"text":"Yeah.","start":32.239998,"end":32.64,"sentiment":"neutral","sentiment_score":0.05351673439145088},{"text":"We work seven and seven.","start":32.64,"end":34.18,"sentiment":"neutral","sentiment_score":0.05158061310648918}],"sentiment":"neutral","sentiment_score":0.05190329998731613,"channel":1,"num_words":6,"start":32.239998,"end":34.18},{"sentences":[{"text":"Fair.","start":35.39,"end":35.89,"sentiment":"neutral","sentiment_score":0.1034805178642273},{"text":"Of course.","start":35.95,"end":36.59,"sentiment":"neutral","sentiment_score":0.10409529507160187},{"text":"Of course.","start":36.59,"end":37.07,"sentiment":"neutral","sentiment_score":0.14319442957639694},{"text":"You do.","start":37.07,"end":37.73,"sentiment":"neutral","sentiment_score":0.17515220493078232},{"text":"Well, that's good.","start":39.285,"end":40.345,"sentiment":"positive","sentiment_score":0.42320844531059265}],"sentiment":"neutral","sentiment_score":0.22179897129535675,"channel":0,"num_words":10,"start":35.39,"end":40.345},{"sentences":[{"text":"You got to enjoy the public holiday with everyone off as well.","start":40.885002,"end":43.625,"sentiment":"positive","sentiment_score":0.3734634766976039}],"sentiment":"positive","sentiment_score":0.3734634766976039,"channel":0,"num_words":12,"start":40.885002,"end":43.625},{"sentences":[{"text":"Yeah.","start":43.844997,"end":44.245,"sentiment":"neutral","sentiment_score":0.017112549394369125},{"text":"Yeah.","start":44.245,"end":44.565,"sentiment":"neutral","sentiment_score":-0.006722874939441681},{"text":"Which is a which is a change because, generally, you don't.","start":44.565,"end":47.305,"sentiment":"neutral","sentiment_score":-0.10792139714414423},{"text":"Generally,","start":47.684998,"end":48.165,"sentiment":"neutral","sentiment_score":-0.07967023551464081}],"sentiment":"neutral","sentiment_score":-0.08974399497466427,"channel":1,"num_words":14,"start":43.844997,"end":48.165},{"sentences":[{"text":"No.","start":47.845,"end":48.085,"sentiment":"neutral","sentiment_score":-0.2195412516593933},{"text":"You","start":48.085,"end":48.585,"sentiment":"neutral","sentiment_score":-0.283964604139328}],"sentiment":"neutral","sentiment_score":-0.25175292789936066,"channel":0,"num_words":2,"start":47.845,"end":48.585},{"sentences":[{"text":"every every everyone else is on holidays, and it's like, fuck.","start":48.165,"end":51.684998,"sentiment":"neutral","sentiment_score":-0.29696706343780865},{"text":"I gotta be at work.","start":51.684998,"end":52.74,"sentiment":"neutral","sentiment_score":-0.29376369118690493}],"sentiment":"neutral","sentiment_score":-0.2959660096094012,"channel":1,"num_words":16,"start":48.165,"end":52.74},{"sentences":[{"text":"oh, why is are you stuck stuck doing the doing the hard yakko while everyone else is off enjoying themselves?","start":54.58,"end":61.8,"sentiment":"neutral","sentiment_score":-0.22572143524885177}],"sentiment":"neutral","sentiment_score":-0.22572143524885177,"channel":0,"num_words":20,"start":54.58,"end":61.8},{"sentences":[{"text":"Yep.","start":62.18,"end":62.58,"sentiment":"neutral","sentiment_score":0.028181910514831543},{"text":"Anyway, it's all good.","start":62.58,"end":64.04,"sentiment":"neutral","sentiment_score":0.30035919323563576}],"sentiment":"neutral","sentiment_score":0.2459237366914749,"channel":1,"num_words":5,"start":62.18,"end":64.04},{"sentences":[{"text":"Good.","start":65.175,"end":65.675,"sentiment":"neutral","sentiment_score":0.29203736782073975},{"text":"I was giving you a call today so I could go through and present to you the recommendations and the advice following your discussions with my colleague, Janice, late last year, early this year.","start":66.055,"end":78.03,"sentiment":"neutral","sentiment_score":0.1492822726859766}],"sentiment":"neutral","sentiment_score":0.15336098968982698,"channel":0,"num_words":35,"start":65.175,"end":78.03},{"sentences":[{"text":"Yep.","start":77.875,"end":77.955,"sentiment":"neutral","sentiment_score":0.08163084834814072},{"text":"Yep.","start":77.955,"end":78.455,"sentiment":"neutral","sentiment_score":0.12949630618095398}],"sentiment":"neutral","sentiment_score":0.10556357726454735,"channel":1,"num_words":2,"start":77.875,"end":78.455},{"sentences":[{"text":"Perfect.","start":78.03,"end":78.53,"sentiment":"neutral","sentiment_score":0.26853713393211365},{"text":"Before I jump into it, I do need to let you know that our calls are recorded.","start":80.03,"end":83.329994,"sentiment":"neutral","sentiment_score":0.05844843935440568},{"text":"And if I could just get you to complete security for me, just full name, date of birth, and address.","start":83.46999,"end":88.77,"sentiment":"neutral","sentiment_score":0.07090833820402623}],"sentiment":"neutral","sentiment_score":0.07053493071151407,"channel":0,"num_words":38,"start":78.03,"end":88.77},{"sentences":[{"text":"Yep.","start":88.97,"end":89.45,"sentiment":"neutral","sentiment_score":0.03941377252340317},{"text":"It's the 1995, and my address, David John Tanza, and my address is North Strathise Street, Mount Edward, Queensland 4626.","start":89.45,"end":99.104996,"sentiment":"neutral","sentiment_score":0.04728466384112835}],"sentiment":"neutral","sentiment_score":0.04690985949266525,"channel":1,"num_words":21,"start":88.97,"end":99.104996},{"sentences":[{"text":"Fantastic.","start":99.635,"end":100.135,"sentiment":"positive","sentiment_score":0.4145073890686035},{"text":"You say that like you've said it before.","start":101.875,"end":103.495,"sentiment":"neutral","sentiment_score":0.18325330317020416}],"sentiment":"neutral","sentiment_score":0.20894820160335964,"channel":0,"num_words":9,"start":99.635,"end":103.495},{"sentences":[{"text":"Yeah.","start":103.884995,"end":104.284996,"sentiment":"neutral","sentiment_score":0.12231631577014924},{"text":"You're fine.","start":104.284996,"end":105.025,"sentiment":"neutral","sentiment_score":0.13372068107128143}],"sentiment":"neutral","sentiment_score":0.12991922597090402,"channel":1,"num_words":3,"start":103.884995,"end":105.025},{"sentences":[{"text":"Now the basically, what I was sort of, I guess, calling for was to kinda go through where you're at and where, like, we wanna sort of, I guess, alter things to to put you into a little bit of a better position.","start":107.15,"end":120.285,"sentiment":"neutral","sentiment_score":-0.008842059909257778},{"text":"So when you spoke with Dennis, you guys discussed increasing your insurance from where it currently sits up to that sort of $2,000,000 mark.","start":120.525,"end":131.505,"sentiment":"neutral","sentiment_score":0.0020251886453479524},{"text":"We","start":131.88501,"end":132.125,"sentiment":"neutral","sentiment_score":0.02310211770236492}],"sentiment":"neutral","sentiment_score":-0.004536793101578951,"channel":0,"num_words":68,"start":107.15,"end":132.125},{"sentences":[{"text":"Yep.","start":131.93,"end":132.43,"sentiment":"neutral","sentiment_score":-0.0028073196299374104}],"sentiment":"neutral","sentiment_score":-0.0028073196299374104,"channel":1,"num_words":1,"start":131.93,"end":132.43},{"sentences":[{"text":"did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit.","start":132.125,"end":140.09999,"sentiment":"neutral","sentiment_score":-0.04929541386663914},{"text":"But you sit just below 1.2 mil.","start":140.4,"end":142.66,"sentiment":"neutral","sentiment_score":-0.05576233086841447},{"text":"So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider.","start":143.51999,"end":155.435,"sentiment":"neutral","sentiment_score":0.023514303290063425},{"text":"Tal actually provides you with the best service in terms of your occupation.","start":156.135,"end":159.915,"sentiment":"positive","sentiment_score":0.46399177267001224},{"text":"Not a lot of other providers were gonna give us their those decent rates and keep you, you know, with with a benefit that's befitting your occupation because you're sort of in that mine and that you're in that mining sector.","start":161.26001,"end":174.72,"sentiment":"neutral","sentiment_score":0.20464682579040527}],"sentiment":"neutral","sentiment_score":0.107713218574645,"channel":0,"num_words":128,"start":132.125,"end":174.72},{"sentences":[{"text":"Yep.","start":175.49501,"end":175.99501,"sentiment":"neutral","sentiment_score":0.05736411735415459}],"sentiment":"neutral","sentiment_score":0.05736411735415459,"channel":1,"num_words":1,"start":175.49501,"end":175.99501},{"sentences":[{"text":"Obviously, I have to be, you know, aware of of making sure that we're keeping you covered to the same definition that you currently hold.","start":175.96501,"end":181.905,"sentiment":"neutral","sentiment_score":-0.036163520775735376},{"text":"Because with with your total permanent disability, there are definitions that are lesser than what you currently hold, and we wouldn't wanna, you know, replace your your current benefit with something less than.","start":182.445,"end":192.15,"sentiment":"neutral","sentiment_score":-0.1258984205849243},{"text":"So the best outcome for your insurance to move it up into that $2,000,000 mark is actually to just increase your current policy.","start":193.65,"end":201.26999,"sentiment":"neutral","sentiment_score":0.1540975962644038},{"text":"It still requires, like, an up like, application with TAO, but it means that your current benefit doesn't become affected, and that new benefit just basically gets added on to the actual policy.","start":202.05,"end":214.345,"sentiment":"neutral","sentiment_score":0.17666826419758075},{"text":"So going from, you know, 1.187489 and 10¢ over to the 2,000,000 does obviously increase the premiums that little bit.","start":215.52501,"end":228.65,"sentiment":"neutral","sentiment_score":0.05173384986425701}],"sentiment":"neutral","sentiment_score":0.03983838106260488,"channel":0,"num_words":134,"start":175.96501,"end":228.65},{"sentences":[{"text":"But you go from basically net per annum is 1,439 over to 2,344.","start":228.87,"end":235.865,"sentiment":"neutral","sentiment_score":0.021368814202455375},{"text":"So it's not an astronomically large difference, you know, sort of $900 sort of difference between the two premiums,","start":235.865,"end":242.925,"sentiment":"neutral","sentiment_score":-0.020839451567122812}],"sentiment":"neutral","sentiment_score":-0.0036923435982316732,"channel":0,"num_words":32,"start":228.87,"end":242.925},{"sentences":[{"text":"Yep.","start":243.59,"end":244.09,"sentiment":"neutral","sentiment_score":0.06443410366773605}],"sentiment":"neutral","sentiment_score":0.06443410366773605,"channel":1,"num_words":1,"start":243.59,"end":244.09},{"sentences":[{"text":"but you're gonna have that $2,000,000 worth of cover for the life and the total permanent disability benefit.","start":244.505,"end":249.325,"sentiment":"neutral","sentiment_score":0.12153921441899405}],"sentiment":"neutral","sentiment_score":0.12153921441899405,"channel":0,"num_words":18,"start":244.505,"end":249.325},{"sentences":[{"text":"Yeah.","start":250.015,"end":250.25499,"sentiment":"neutral","sentiment_score":0.11383135616779327},{"text":"Right.","start":250.25499,"end":250.75499,"sentiment":"neutral","sentiment_score":0.1724894493818283}],"sentiment":"neutral","sentiment_score":0.1431604027748108,"channel":1,"num_words":2,"start":250.015,"end":250.75499},{"sentences":[{"text":"That's still in line with what you wanted to do?","start":251.84999,"end":253.53,"sentiment":"neutral","sentiment_score":0.2460850641131401},{"text":"You still wanted to go ahead with that 2,000,000?","start":253.53,"end":255.47,"sentiment":"neutral","sentiment_score":0.12937602483563954}],"sentiment":"neutral","sentiment_score":0.19080183498169245,"channel":0,"num_words":19,"start":251.84999,"end":255.47},{"sentences":[{"text":"Yeah.","start":256.255,"end":256.655,"sentiment":"neutral","sentiment_score":0.11387331783771516},{"text":"Yeah.","start":256.655,"end":256.975,"sentiment":"neutral","sentiment_score":0.12106458842754364},{"text":"If I can.","start":256.975,"end":257.79498,"sentiment":"neutral","sentiment_score":0.12610297898451486}],"sentiment":"neutral","sentiment_score":0.12264936864376068,"channel":1,"num_words":5,"start":256.255,"end":257.79498},{"sentences":[{"text":"Yeah.","start":257.45,"end":257.95,"sentiment":"neutral","sentiment_score":0.13063065707683563},{"text":"Yeah.","start":258.16998,"end":258.49,"sentiment":"neutral","sentiment_score":0.1702798306941986},{"text":"Yeah.","start":258.49,"end":258.81,"sentiment":"neutral","sentiment_score":0.27904173731803894},{"text":"Absolutely.","start":258.81,"end":259.31,"sentiment":"positive","sentiment_score":0.476531445980072},{"text":"Perfect.","start":261.29,"end":261.79,"sentiment":"positive","sentiment_score":0.5308471322059631}],"sentiment":"neutral","sentiment_score":0.31746616065502165,"channel":0,"num_words":5,"start":257.45,"end":261.79},{"sentences":[{"text":"So that that that part and parcel of what the recommendation was.","start":262.01,"end":266.395,"sentiment":"neutral","sentiment_score":0.32558249433835346},{"text":"So we did quite extensive research into, you know, seeing whether there were other providers.","start":266.395,"end":270.095,"sentiment":"neutral","sentiment_score":0.08751681620875994},{"text":"Tel still gonna hit the nail on the head there.","start":270.79498,"end":273.615,"sentiment":"neutral","sentiment_score":-0.014672665297985077},{"text":"The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is.","start":274.235,"end":300.595,"sentiment":"neutral","sentiment_score":-0.003317820691112159},{"text":"But you came out as a high growth investor, so you have 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account.","start":355.69,"end":360.51,"sentiment":"positive","sentiment_score":0.5055866166949272},{"text":"So about $260 a year.","start":362.41,"end":364.67,"sentiment":"positive","sentiment_score":0.36694117188453673},{"text":"So that's a bit 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all out.","start":761.92004,"end":763.46,"sentiment":"neutral","sentiment_score":0.2573773389061292},{"text":"Now I am recommending that you do nominate her as a 100% whilst you do have","start":763.84,"end":769.09503,"sentiment":"positive","sentiment_score":0.3808925896883011}],"sentiment":"positive","sentiment_score":0.3472066122022542,"channel":0,"num_words":22,"start":761.92004,"end":769.09503},{"sentences":[{"text":"Yeah.","start":769.205,"end":769.445,"sentiment":"neutral","sentiment_score":0.11619724333286284}],"sentiment":"neutral","sentiment_score":0.11619724333286284,"channel":1,"num_words":1,"start":769.205,"end":769.445},{"sentences":[{"text":"the 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bloke said to me, apparently, they pay tax on that.","start":770.645,"end":775.75995,"sentiment":"neutral","sentiment_score":-0.060975011670961976}],"sentiment":"neutral","sentiment_score":-0.060975011670961976,"channel":1,"num_words":16,"start":770.645,"end":775.75995},{"sentences":[{"text":"When they get when they get older, they do.","start":776.67505,"end":778.67505,"sentiment":"neutral","sentiment_score":-0.03754132861892382},{"text":"Like, while they're young, realistically like, while they're tax dependents, all you're doing is forcing your wife to have to fill out four times the amount of paperwork that she would otherwise have to fill out to basically get the money.","start":778.67505,"end":789.82996,"sentiment":"neutral","sentiment_score":-0.11923494569321232},{"text":"Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax.","start":790.20996,"end":803.055,"sentiment":"neutral","sentiment_score":-0.02549288732310136},{"text":"Whereas your wife will never pay a cent of 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being your wife.","start":806.175,"end":809.07,"sentiment":"neutral","sentiment_score":0.17426476813852787},{"text":"And, realistically, she's gonna use the money to look after your kids anyway.","start":809.71,"end":813.89,"sentiment":"neutral","sentiment_score":0.15564347058534622},{"text":"So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy.","start":815.31,"end":824.475,"sentiment":"positive","sentiment_score":0.35134074554361144},{"text":"Just nominate nominate her and keep the paperwork to a 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you.","start":833.435,"end":835.195,"sentiment":"neutral","sentiment_score":0.25002333770195645},{"text":"And and that way, you just print them out while you're at work, sign it in front of two of the guys, get them to sign it.","start":835.195,"end":841.76,"sentiment":"neutral","sentiment_score":0.21424617259590714},{"text":"Everyone dates it on the same date.","start":841.76,"end":843.54,"sentiment":"neutral","sentiment_score":0.1992061287164688}],"sentiment":"neutral","sentiment_score":0.23342680645749925,"channel":0,"num_words":47,"start":831.435,"end":843.54},{"sentences":[{"text":"You can't witness a document if we're dating on three separate dates to make sure it's 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good.","start":849.04,"end":855.875,"sentiment":"neutral","sentiment_score":0.06045561473540686}],"sentiment":"neutral","sentiment_score":0.061519959041227895,"channel":0,"num_words":30,"start":847.83997,"end":855.875},{"sentences":[{"text":"Florida.","start":856.39996,"end":856.89996,"sentiment":"neutral","sentiment_score":0.1419752538204193},{"text":"Sounds good.","start":856.95996,"end":857.86,"sentiment":"positive","sentiment_score":0.4666733145713806}],"sentiment":"positive","sentiment_score":0.3584406276543935,"channel":1,"num_words":3,"start":856.39996,"end":857.86},{"sentences":[{"text":"Perfect.","start":858.255,"end":858.735,"sentiment":"positive","sentiment_score":0.44414854049682617},{"text":"So I will email them to you.","start":858.735,"end":860.51495,"sentiment":"neutral","sentiment_score":0.20434341260365077},{"text":"And then outside of that, I sent you an email with the documents.","start":860.815,"end":866.2,"sentiment":"neutral","sentiment_score":0.10474582532277474},{"text":"So once you sign those documents, we can organize to get that application done where my colleague, Jack, would basically give you a call and run through the personal statement for the, the increase.","start":866.2,"end":879.925,"sentiment":"neutral","sentiment_score":0.11832945246030302},{"text":"Now, obviously, today is your last day before you go on swing.","start":879.985,"end":884.165,"sentiment":"neutral","sentiment_score":0.03873986843973398}],"sentiment":"neutral","sentiment_score":0.11528847705739648,"channel":0,"num_words":67,"start":858.255,"end":884.165},{"sentences":[{"text":"So I'm assuming you're on swing from, basically, the fifth until the eleventh, 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She emphasizes the importance of increasing their policy to cover permanent disability benefits and realigning their portfolio to reduce risk. The agent emphasizes the importance of being flexible with risk and suggests printing forms and putting money in the fund. They also recommend nominating someone as a 100% employer while keeping the paperwork to a minimum. The agent sends necessary documents and plans to organize an appointment for the customer to sign them."},"intents":{"segments":[{"text":"did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit. But you sit just below 1.2 mil. So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider.","start_word":333,"end_word":406,"intents":[{"intent":"Compare policies","confidence_score":0.0018757887}]},{"text":"The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is.","start_word":714,"end_word":782,"intents":[{"intent":"Review portfolio and discuss asset investments","confidence_score":1.6132661e-8}]},{"text":"specifically to keep up with the time. So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading.","start_word":1149,"end_word":1192,"intents":[{"intent":"Update fund","confidence_score":0.003079842},{"intent":"Determine purpose of call","confidence_score":0.000032877913}]},{"text":"So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading.","start_word":1156,"end_word":1192,"intents":[{"intent":"Refresh portfolio","confidence_score":0.034248684}]},{"text":"Do you want me to email them to Yeah. Yep. you? Yeah.","start_word":1609,"end_word":1620,"intents":[{"intent":"Email and print forms","confidence_score":0.0032081997}]},{"text":"Rebuilding the motor? Or Yeah.","start_word":1770,"end_word":1774,"intents":[{"intent":"Rebuild motor","confidence_score":0.07981323}]},{"text":"Now I am recommending that you do nominate her as a 100% whilst you do have Yeah.","start_word":2030,"end_word":2046,"intents":[{"intent":"Noinate female as 100%","confidence_score":0.0041813985},{"intent":"Express preference for 100%","confidence_score":0.000058908765},{"intent":"Explain purpose of nomination","confidence_score":0.0009432078}]},{"text":"Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax.","start_word":2120,"end_word":2149,"intents":[{"intent":"Explain tax exemptions","confidence_score":0.0011794321}]},{"text":"on benefit because she'll always be a tax dependent being your wife. And, realistically, she's gonna use the money to look after your kids anyway. So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy. Just nominate nominate her and keep the paperwork to a minimum. Yeah.","start_word":2163,"end_word":2228,"intents":[{"intent":"Explain benefit of having children","confidence_score":0.03199095},{"intent":"Explain benefits of nominate woman and keep paperwork","confidence_score":3.846659e-8}]},{"text":"So I will email them to you. And then outside of that, I sent you an email with the documents.","start_word":2331,"end_word":2350,"intents":[{"intent":"Email documents","confidence_score":0.054070566},{"intent":"Send documents to wife","confidence_score":0.00962851}]},{"text":"So how about would the fourteenth or fifteenth, so that's a Thursday, Friday, work for you?","start_word":2433,"end_word":2448,"intents":[{"intent":"Confirm time","confidence_score":0.0055192993}]},{"text":"Let me just bring up his calendar so I can just confirm what his availability is. You've pretty much, they got free reign. So on that Thursday, Friday, what do you have a sort of best time?","start_word":2481,"end_word":2517,"intents":[{"intent":"Confirm availability","confidence_score":0.29573226}]},{"text":"If you have any questions between, like, now and then with regards to the documents, feel free to email. But, otherwise, you're more than welcome to obviously ask Jack when you when you get to that point. So if you're able to look over those documents that I've emailed you and then sign them and get them back, that way I can get that investment change happening on your account, and and we can get that all implemented for you.","start_word":2583,"end_word":2662,"intents":[{"intent":"Review documents and get application done","confidence_score":0.000002550836},{"intent":"Provide assistance","confidence_score":0.059415795},{"intent":"Provide information about documents","confidence_score":0.0004113186}]},{"text":"Did you have any other questions at all? No.","start_word":2675,"end_word":2683,"intents":[{"intent":"Answer questions","confidence_score":0.17957357}]}]},"sentiments":{"segments":[{"text":"Hello? Des speaking. Hi, David. Larissa here from OQ Financial. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.12368752807378768},{"text":"Yeah. Pretty good. That's good.","start_word":14,"end_word":18,"sentiment":"positive","sentiment_score":0.6060683727264404},{"text":"Can't complain for a Tuesday. That's it. Did you have the luxury of having yesterday off with a public holiday? Yeah. Yeah. Oh, yeah. I've been off work for well, I'll go back tomorrow, so I had seven days off. Half your luck. That's pretty half decent amount of time off. Yeah. We work seven and seven. Fair. Of course. Of course. You do.","start_word":19,"end_word":82,"sentiment":"neutral","sentiment_score":0.08251092582941055},{"text":"Well, that's good. You got to enjoy the public holiday with everyone off as well.","start_word":83,"end_word":97,"sentiment":"positive","sentiment_score":0.3849441707134247},{"text":"Yeah. Yeah. Which is a which is a change because, generally, you don't. Generally, No. You every every everyone else is on holidays, and it's like, fuck. I gotta be at work. oh, why is are you stuck stuck doing the doing the hard yakko while everyone else is off enjoying themselves? Yep. Anyway, it's all good. Good. I was giving you a call today so I could go through and present to you the recommendations and the advice following your discussions with my colleague, Janice, late last year, early this year. Yep. Yep. Perfect. Before I jump into it, I do need to let you know that our calls are recorded. And if I could just get you to complete security for me, just full name, date of birth, and address. Yep. It's the 1995, and my address, David John Tanza, and my address is North Strathise Street, Mount Edward, Queensland 4626.","start_word":98,"end_word":250,"sentiment":"neutral","sentiment_score":-0.011161595582962036},{"text":"Fantastic.","start_word":251,"end_word":251,"sentiment":"positive","sentiment_score":0.4145073890686035},{"text":"You say that like you've said it before. Yeah. You're fine. Now the basically, what I was sort of, I guess, calling for was to kinda go through where you're at and where, like, we wanna sort of, I guess, alter things to to put you into a little bit of a better position. So when you spoke with Dennis, you guys discussed increasing your insurance from where it currently sits up to that sort of $2,000,000 mark. We Yep. did some we did some research on whether it would be better for you to undertake a new policy versus possibly increasing your current benefit. But you sit just below 1.2 mil. So we had a look at other providers around that are available on the market to see whether there was, you know, a benefit to, you know, maybe rewriting or or, you know, taking up a new policy with a different provider.","start_word":252,"end_word":405,"sentiment":"neutral","sentiment_score":0.009870849731196831},{"text":"Tal actually provides you with the best service in terms of your occupation.","start_word":406,"end_word":418,"sentiment":"positive","sentiment_score":0.46635901927948},{"text":"Not a lot of other providers were gonna give us their those decent rates and keep you, you know, with with a benefit that's befitting your occupation because you're sort of in that mine and that you're in that mining sector. Yep. Obviously, I have to be, you know, aware of of making sure that we're keeping you covered to the same definition that you currently hold. Because with with your total permanent disability, there are definitions that are lesser than what you currently hold, and we wouldn't wanna, you know, replace your your current benefit with something less than. So the best outcome for your insurance to move it up into that $2,000,000 mark is actually to just increase your current policy. It still requires, like, an up like, application with TAO, but it means that your current benefit doesn't become affected, and that new benefit just basically gets added on to the actual policy. So going from, you know, 1.187489 and 10<unk> over to the 2,000,000 does obviously increase the premiums that little bit. But you go from basically net per annum is 1,439 over to 2,344. So it's not an astronomically large difference, you know, sort of $900 sort of difference between the two premiums, Yep. but you're gonna have that $2,000,000 worth of cover for the life and the total permanent disability benefit. Yeah. Right. That's still in line with what you wanted to do? You still wanted to go ahead with that 2,000,000? Yeah. Yeah. If I can. Yeah. Yeah. Yeah.","start_word":419,"end_word":675,"sentiment":"neutral","sentiment_score":0.08289555460214615},{"text":"Absolutely. Perfect.","start_word":676,"end_word":677,"sentiment":"positive","sentiment_score":0.5036892890930176},{"text":"So that that that part and parcel of what the recommendation was. So we did quite extensive research into, you know, seeing whether there were other providers. Tel still gonna hit the nail on the head there. The other side of things that we looked into was we actually looked at your your hub twenty four portfolio and how it's invested and just made some some little tweaks to the investments that you hold just to kind of remove some of those a little bit aggressive or under performing funds and just sort of reweight the portfolio to better align with where your investment tolerance is. But you came out as a high growth investor, so you have plenty of time left on the market before you're looking to access the funds, and you're sort of, you know, willing to take a little bit of that that volatile risk. Not too too much, but still willing to take that little bit of risk. So we've just kind of realigned the portfolio. When we've realigned it, we've actually we've taken it into consideration any potential, like, capital gains tax that would be applicable in moving, but we've also looked at trying to make the overall portfolio cost less for you as well. So looking at some of the sort of cheaper assets that we could invest in. So that way, you know, you're not paying a lot of money for assets, you know, or or or stocks and shares that you're investing in.","start_word":678,"end_word":928,"sentiment":"neutral","sentiment_score":0.13672606991344238},{"text":"We were able to cut the price on your investments down quite considerably, which is good. So we're we're saving a bit of money there from from your actual investment fee on your account. So about $260 a year.","start_word":929,"end_word":967,"sentiment":"positive","sentiment_score":0.5580757260322571},{"text":"So that's a bit of Okay. a Yeah. savings in your back pocket.","start_word":968,"end_word":980,"sentiment":"neutral","sentiment_score":0.24231413006782532},{"text":"And, historically, the the performance of the funds that we're we're moving you into have done about 6% better historically over a rolling three year average. So we've got a better performance history on our on our side as well.","start_word":981,"end_word":1020,"sentiment":"positive","sentiment_score":0.3946466445922851},{"text":"And we're just sort of removing some of those underlying funds like the Bennelong Australian asset.","start_word":1021,"end_word":1036,"sentiment":"neutral","sentiment_score":0.12846651673316956},{"text":"It's a that that fund is a managed fund, and the fund's manager, Bennelong, have a really high conviction in the assets that they've chosen.","start_word":1037,"end_word":1061,"sentiment":"positive","sentiment_score":0.3919719159603119},{"text":"And, unfortunately, the assets or the stocks and shares that they're invested in just aren't really pulling their weight, and Bennelong aren't willing to make any massive changes to the fund.","start_word":1062,"end_word":1092,"sentiment":"negative","sentiment_score":-0.6708300709724426},{"text":"They're basically standing behind the the decisions they've made, and they're not sort of tweaking it as the market's changing. As you Yep. know, the market moves, the market changes, and we need to be a little bit fluid with it.","start_word":1093,"end_word":1133,"sentiment":"neutral","sentiment_score":-0.27353689074516296},{"text":"But Bennelong aren't willing to kinda change their their their funds or that fund Yeah.","start_word":1134,"end_word":1148,"sentiment":"negative","sentiment_score":-0.34433674812316895},{"text":"specifically to keep up with the time. So we're definitely backing out of that that asset and making a couple of little tweaks and changes within the portfolio that you have just to sort of update it, refresh it with where the market's heading. Because, again, the market does move and change, and we have to keep up with it as we as we roll along. Yeah. No. That's all good. You guys do what you gotta do. Like like like I've sort of said to to the previous ones and stuff, like, I'm being honest with you. I Yeah. I don't really think I'm ever gonna get me sleep. So, look, you yeah. Just do what you gotta do, and it it it happens to be that I get it. Like, when I'm older, yeah, beauty. But if I don't, I don't, like, so yeah. I'm not Okay. really like, I'm being honest with you. I'm not really worried about it in the sense of putting any money into it. That's that's what I've said. Like, I've said that to the said to the other ones because I've well, I can't remember who it was.","start_word":1149,"end_word":1344,"sentiment":"neutral","sentiment_score":-0.032165102660655975},{"text":"Someone last year asked me about, you know, putting extra money into it, and I just said, no. No. I'm I'm No. I'm not interested in doing that, but Yeah.","start_word":1345,"end_word":1374,"sentiment":"negative","sentiment_score":-0.47575512528419495},{"text":"I'm more than happy, like, if you guys whatever you, yeah, need to do to make it make it grow, whatever you gotta do, just, yeah, just do it and go for it.","start_word":1375,"end_word":1407,"sentiment":"positive","sentiment_score":0.7969436645507812},{"text":"Okay. No.","start_word":1408,"end_word":1409,"sentiment":"neutral","sentiment_score":0.22655898332595825},{"text":"Perfect.","start_word":1410,"end_word":1410,"sentiment":"positive","sentiment_score":0.4272840619087219},{"text":"Well, I've emailed you with, like, the statement of advice document that basically details the advice. So it outlines those two major recommendations for the the change to your underlying investments and also the increase to your life insurance Yep. policy. Outside of that, the one thing I did, I guess, wanna raise with you was that currently your super fund doesn't have a beneficiary nomination on it, which Yeah. means And that I'll it I'll in be in black, and I should do that. yeah. Just, you know, help the wife out a little bit, make sure that it's nice and easy if anything happens to you, that it's a I I easier hate application. I hate paperwork, and I know I'm in the wrong business to hate paperwork, like, being in the minds, but Yeah. I I absolutely hate paperwork, and that's why I'm just like, I'm over. I I don't like doing it. But, yes, I have got it from my finger and, yes, do that. And do it. Do you need me to send the the forms to you again? Yeah. I I I probably lost some of this for me. Yeah. That's okay. Do you want me to email them to Yeah. Yep. you? Yeah. And then you can print them. Do them at work. Force one of the guys at work to sign it as a witness for you. Just Yeah. show That's me probably the paperwork. not that's not bad audio. Yeah. Yeah. I'll do that.","start_word":1411,"end_word":1663,"sentiment":"neutral","sentiment_score":0.03994215652346611},{"text":"Perfect.","start_word":1664,"end_word":1664,"sentiment":"positive","sentiment_score":0.41284650564193726},{"text":"Do do It'll you want cost me you to a bit of a year. yeah. Exactly. Do you want me to pre fill it with, like, your wife's information so that way it's as friendly as possible? Yeah. Right, Right. Now you're talking more. So Yeah. I got you. I get it. I'm a car bloke.","start_word":1665,"end_word":1720,"sentiment":"neutral","sentiment_score":0.11182880667703492},{"text":"I love cars.","start_word":1721,"end_word":1723,"sentiment":"positive","sentiment_score":0.3976309299468994},{"text":"That's what I'm doing at the present moment. I'm just not I'm putting a motor back together.","start_word":1724,"end_word":1740,"sentiment":"neutral","sentiment_score":-0.10166435688734056},{"text":"Oh, beautiful.","start_word":1741,"end_word":1742,"sentiment":"positive","sentiment_score":0.385770320892334},{"text":"What car are you playing with? VEGDS. V g t No. s. Oh, as v e. VEGTS. Yeah. Oh, okay.","start_word":1743,"end_word":1762,"sentiment":"neutral","sentiment_score":0.03195555508136749},{"text":"Nice.","start_word":1763,"end_word":1763,"sentiment":"positive","sentiment_score":0.3849872946739197},{"text":"You gotta hold him. Yes.","start_word":1764,"end_word":1768,"sentiment":"neutral","sentiment_score":0.17810362577438354},{"text":"Lovely.","start_word":1769,"end_word":1769,"sentiment":"positive","sentiment_score":0.33436089754104614},{"text":"Rebuilding the motor? Or Yeah. We we did a little bit of damage sort of rocking that. oh, you I have another client that was out at the Rocky Nats last week as well. Yeah. Yeah. So Yeah. you were racing, were you? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I Yeah. love. Yeah. Yeah. Yeah. So what did Yeah. we do to Yeah. the motor? Yeah. Yeah. Yeah. Yeah. Just a just a few few little bit of damage. Just a nothing made and made, but I'm after make it upset. Yeah. Just plugged it too hard, I assume. Yeah. Yeah. Oh, nothing wrong with that. As No. long as you had fun and you're willing to Yeah. put the labor into fixing it. Oh, I I still got a mortgage and working and all that. That's it. Now just to confirm, like, your wife's name's Suzanne, it is s u z a n n e? Yep. Yep. And do you know her date of birth? It let me get whether the thirteenth or the fifteenth of the fifth. It's this month or not that. '81. Shit. Shit. Facebook's got it. Where would we be without Facebook? Yeah. Thirteenth to the fifth 81. 13581. Perfect. And she lives at the same house as yourself, and Yep. she shares the last name with you. Yep. I will fill that all out.","start_word":1770,"end_word":2029,"sentiment":"neutral","sentiment_score":-0.016989696025848388},{"text":"Now I am recommending that you do nominate her as a 100% whilst you do have Yeah.","start_word":2030,"end_word":2046,"sentiment":"positive","sentiment_score":0.3583599627017975},{"text":"the three Yeah. It shouldn't. Because littlers. the other because the other other bloke said to me, apparently, they pay tax on that. When they get when they get older, they do. Like, while they're young, realistically like, while they're tax dependents, all you're doing is forcing your wife to have to fill out four times the amount of paperwork that she would otherwise have to fill out to basically get the money. Once they become older and, you know, we're looking at nontax dependents, and, generally, that's 18 plus or with an exemption could be up to 25, they would pay tax. Whereas your wife will never pay a cent of tax Yeah. on Yep. on benefit because she'll always be a tax dependent being your wife. And, realistically, she's gonna use the money to look after your kids anyway.","start_word":2047,"end_word":2187,"sentiment":"neutral","sentiment_score":-0.005855785217136145},{"text":"So because you have, I guess, what's called a nuclear family, so mom, dad, and the kids, and everything's, you know, kosher, we can make it nice and easy.","start_word":2188,"end_word":2216,"sentiment":"positive","sentiment_score":0.34820693731307983},{"text":"Just nominate nominate her and keep the paperwork to a minimum. Yeah.","start_word":2217,"end_word":2228,"sentiment":"neutral","sentiment_score":0.2749037444591522},{"text":"Yep. Sounds good. Perfect.","start_word":2229,"end_word":2232,"sentiment":"positive","sentiment_score":0.49746426939964294},{"text":"So I'll fill out the documents. I'll email them through to you. And and that way, you just print them out while you're at work, sign it in front of two of the guys, get them to sign it. Everyone dates it on the same date. You can't witness a document if we're dating on three separate dates to make sure it's all dated Yeah. the same. And so long as your wife is not a a witness, which if you're doing it at work, she's not going to be, then we're all good. Florida.","start_word":2233,"end_word":2327,"sentiment":"neutral","sentiment_score":0.13146871328353882},{"text":"Sounds good. Perfect.","start_word":2328,"end_word":2330,"sentiment":"positive","sentiment_score":0.4491111934185028},{"text":"So I will email them to you. And then outside of that, I sent you an email with the documents. So once you sign those documents, we can organize to get that application done where my colleague, Jack, would basically give you a call and run through the personal statement for the, the increase. Now, obviously, today is your last day before you go on swing. So I'm assuming you're on swing from, basically, the fifth until the eleventh, twelfth. Yeah. Till Oh, sorry. the '6 till to the when till the when the okay. So six till the thirteenth. yep. Alright. So how about would the fourteenth or fifteenth, so that's a Thursday, Friday, work for you? I know that that generally works pretty well for for Jack being able to sort of do those applications later in the week. Yeah. That should do. Yeah. That should work. Alright. Let me just bring up his calendar so I can just confirm what his availability is. You've pretty much, they got free reign. So on that Thursday, Friday, what do you have a sort of best time? Oh, it doesn't really matter. Nah. No. It doesn't matter. Alright. Well, let's just keep it sort of same time, and let's go that 11:11AM on Thursday the fourteenth. Yeah. Right on. Yep.","start_word":2331,"end_word":2550,"sentiment":"neutral","sentiment_score":0.09939602965658362},{"text":"Perfect. Alright. I will book that in now. So that way, Jack can give you a call, go through that pal application, and and get that all done for you. Alright? Perfect.","start_word":2551,"end_word":2582,"sentiment":"positive","sentiment_score":0.5162160992622375},{"text":"If you have any questions between, like, now and then with regards to the documents, feel free to email. But, otherwise, you're more than welcome to obviously ask Jack when you when you get to that point.","start_word":2583,"end_word":2619,"sentiment":"neutral","sentiment_score":0.2500389814376831},{"text":"So if you're able to look over those documents that I've emailed you and then sign them and get them back, that way I can get that investment change happening on your account, and and we can get that all implemented for you.","start_word":2620,"end_word":2662,"sentiment":"positive","sentiment_score":0.3771500587463379},{"text":"Yeah. Right. No dramas at all. I can do Yeah.","start_word":2663,"end_word":2672,"sentiment":"neutral","sentiment_score":0.13925613462924957},{"text":"that. Fantastic.","start_word":2673,"end_word":2674,"sentiment":"positive","sentiment_score":0.5141042470932007},{"text":"Did you have any other questions at all? No. No. Alright.","start_word":2675,"end_word":2685,"sentiment":"neutral","sentiment_score":0.15439338982105255},{"text":"I think Perfect. that was pretty much it.","start_word":2686,"end_word":2693,"sentiment":"positive","sentiment_score":0.42727771401405334},{"text":"Yeah. What I was what I needed to order, that was, yeah, that was about it. No.","start_word":2694,"end_word":2710,"sentiment":"neutral","sentiment_score":-0.02470057676820194},{"text":"Excellent.","start_word":2711,"end_word":2711,"sentiment":"positive","sentiment_score":0.3493043780326843},{"text":"Well, I will let you go finish rebuilding the motor. Are we about to drop it back in, or are we still we've pulled it out completely? Oh, I just got my hands off at the moment. Billingales. Fair. Yep. Well, I've rebuilt one motor, and that was because I cracked the head in it, and it was like an old '94 Corolla. And I can say that it was kind of fun, to be honest. It's been a a good couple of decades since I've had a chance to get my hands into a car and, you know, do Yeah. all the things. I used I used to service it myself, replace the shocks a couple times. Yeah. I had to do two engine rebuilds because it turns out that all of the water pipes were absolutely cracked through it because, you know, it was a it it was a 20 year old car and took it to the mechanic, and they were like, no. You're you're flogging it. It's your fault. It's your fault. And I ended up pulling it all apart, finding all the cracked pipe hoses in it, and realized what had gone wrong and Yeah. Go from decided there I and didn't pick it back I didn't up. trust, yeah, decided I didn't trust anyone and did it myself. That's it. That's exactly it. That's why I am yeah. I do most of my work now. So except tune it because it's like yeah. I don't. A Yeah. little bit much. Yeah. No. That's fair. Oh, well, I spent 35 on this motor and yeah. And then we've got broken valve springs and bent valves and yeah. Yeah. Oh, And so then not not too bad. no. But in a set of brand new heads, what just got put on it, so I'm not very Yeah. happy. No. You spent No. $5.05 grand on a set of heads and the and No. then Send it below. he he take them back.","start_word":2712,"end_word":3047,"sentiment":"neutral","sentiment_score":-0.10227895878432762},{"text":"They're stuffed.","start_word":3048,"end_word":3049,"sentiment":"negative","sentiment_score":-0.4788610339164734},{"text":"Yeah. I would. Definitely. Yeah. But, anyway, it's all good. No. Well, I will leave you to it. Good luck, No. and I Damn hope it. the rebuild goes well. But, yeah, any questions, give us a call. Yep. No worries then.","start_word":3050,"end_word":3091,"sentiment":"neutral","sentiment_score":0.1535017043352127},{"text":"All good. Thank you. Absolutely. No problems at all, David. You have a good one. All day. Bye.","start_word":3092,"end_word":3109,"sentiment":"positive","sentiment_score":0.6462919116020203},{"text":"Bye.","start_word":3110,"end_word":3110,"sentiment":"neutral","sentiment_score":0.2393854558467865}],"average":{"sentiment":"neutral","sentiment_score":0.06309181011690264}}}}